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2022/06/23 Complete Paperless Solutionso.Go' COVERAGES CERTIFICATE OF LIABILITY INSURANCE CERTIFICATE NUMBER: 22 23 MasteTCeTt REVISION NUMBER DATE {MM/DO/YYYY) 06t08t2022 THIS CERTIFICATE IS ISSUEO AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTENO ORALTER 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: lf the certificate holder is an ADOITIONAL INSURED, the policy(ies) must have ADDITTONAL INSURED provisions or be endorsed lf SUBROGATION lS WAIVED, subiect to the terms and condilions of the policy, certain policies may requiro an endo.sement. A statemont on this certificate does not confe. rights to the certificate holde. in lieu of such endoEement(s). PROOUCER Roberl Harris lnsurance Agency, lnc Lic #0216736 3150 Brislol Sl , Su te 200 Costa Mesa cA 92626 NAME PHONE (714) 619-4480 (714)619 4481 AOORESS:arlene@reharris com rNs uRERls) aFFoR0tNG covERAGE tNsuRERA. Travelers Casualty lnsurance Co ofAmerica Complete Paperless Solutions 5130 E La Palma Ave Ste 206 cA 92807-2078 29424 |NSURERc. Lloyds of London INSURER D INSURER E INSURER F THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED IO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED NOTWTHSTANDING ANY REQUIRE!IENI, TER[I OR CONDI-TION OF ANY CONTRACT OR OTHER DOCUI\4ENT WTH RESPECT TO WTIICH THLS CERTIFICATE IIIAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCR BED HEREIN IS SUB.]ECT TO ALL THE TER[,4S, EXCLUSIONSAND CONDITIONS OF SUCH POLICIES LIII,4ITS SHOI.^A MAY HAVE BEEN REDUCED BY PAID CLAIIIIS INSR LTR TYPE OF INSURANCE INSD LIMITS EACI-] OCCURR ENC E $ 2,000 000 DAMAGE TO RENIED PREMTSES (Eaoccurence)$ 300 000 i,iEO ExP (Any one person)$ 5 000 PERSONAL&ADV NJURY $ 2 000,000 GENERALAGGREGATE $ 4,000,000 PRODUCTS COI,IP/OPAGG $ 4,000 000 COM MERCIA L G ENERAL LIABILIry .LATMS MADE ffi o""r* GEN'LAGGREGATE LIM TAPPLIES PER LOC OTHERI JECT 68088847614 4612312022 06t23t2023 DEENC s COMBINEO S NGLE LIM T s 2.000 000 BOD LY INJURY (Per lercon)S BOD LY INJURY (Pe/ accrden0 s ow,r.JEoAUTOS ONLY H]REDAUTOS ONLY SCHEDULEDAUTOS NON-O!\4!ED AUTOS ONLY AUTOIMOBILE LIABILITY 68088847614 06123t2022 4612312A23 I EACH OCCURRENCE sUMBRELLA TIAB OCCUR CLAIII,IS.MADE AGGREGAIE 5 DED RETENT ON S sxlOTH E L EACHACCiDENT $ 1 000,000 E L DISEASE. EA EMPLOYEE $ 1 000,000 B WORKERS COMPENSATION AND EM PLOYERS' LIABILIry ANY PROPRIETOR/PARTNER/EXECUT VEOFFCER/MEMBER EXCLUDEO? DESCR PTION OF OPERATIONS below 72\\ECZX9262 o6t23t2022 0612312023 EL D SEASE . POLICY L MIT $ 1 000,000 C Professional Lrability Claims Made Polcy TBD 0612312022 06123t2023 Each Cla m Aggregate Each Cla m Deductible $2 000 000 $2 000 000 $10 000 OESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES {ACORD '101, Add ltlon.l Rem.*s Schedule, may be attached ll moe sp.ce is Equired) City ofMenlfee and its officers, employees, agenls and authorized volunleers areAddilronal lnsuredswith respects to ihe GeneralLiab lty perthe attachedpolicy forms CANCELLATION PROVISION 30 Day Notice/ Except 1o Day Notice for Non-Payrnent oI Premium CANCELLATION PROVISION: 3O Day Notice/ Except 1o-Day Notrce for Non-Paymentof Premium IxIIII CERTIFICATE HOLDER CANCELLATION City of N,lenifee 29844 Haun Road cA 92586 SHOULDAT{Y OF THE AAOVE OESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. AtiTHORIzED REPRESENTATIV€ ACORD 25 (2016/03) 19046 txsURER B . Harlford Casualty lns Co S O 1988-2015 ACORD CORPORATION. All rights reserved. The ACORD name and logo are regislered marks ofACORD TABLE OF CONTENTS COMMERCIAL GENERAL LIABILITY COVERAGE FORM cG Tl 00 02 19 SECTION I- COVERAGES Beginning on Page Coverage A - Bodily lnjury and Property Damage Liability lnsuring Agreement 1 Exclusions 2 Coverage B - Personal and Advertising lnjury Liability lnsuring Agreement Exclusions ............. 6 .6 Coverage C - Medical Payments lnsuring Agreement Exclusions ............. 9 9 Supplementary Payments 0 SECTION II - WHO IS AN INSURED 11 SECTION III _ LIMITS OF INSURANCE 13 SECTION IV - COI\4MERCIAL GENERAL LIABILITY CONOITIONS ..,,.....13 Bankruptcy.......t5 Duties ln The Event Of Occurrence, Offense, Claim Or Suit .., 13 Legal Action Against Us ...........14 15 It 16 Other lns urance Premium Audit Representalions Separation Of lnsureds ...'16 Transfer Of Rights Of Recovery Against Others To Us ................__.........16 ',.....,......''. 16When We Do Not Renew SECTION V - DEFINITIONS .....16 cG T0 34 02 19 COMMERCIAL GENERAL LIABILIry COMMERCIAL GENERAL LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage. Read the €ntire 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 lnsured shown in the Declarations, and any other person or organization qualifying as a Named lnsured 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 lt - Who ts An lnsured. Other words and phrases that appear in quotation marks have special meaning. Refer to Section V -Definitions. SECTION I - COVERAGES COVERAGE A - BODILY INJURY AND PROPERry DAMAGE LIABILIry 1. lnsuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as damages because of "bodily injury" or "property damage,, to which this insurance applies. We will have the right and duty to defend the insured against any "suit" seeking those damages. However, we will have no duty to delend the insured against any "suit" seeking damages for ,,bodily injury" or nproperty damage" to which this insurance does not apply. We may, at our discretion, investigate any 'occurrence" and settle any claim or "suit" that may result. But: (1) The amount we will pay for damages is limited as described in Section lll - Limits Of lnsurance; and (2) Our right and duty to defend end when wehave used up the applicable limit ot insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C. No other obligation or liability to pay sums or p€rform acts or services is covered unlessexplicitly provided for under Supplementary Payments. b. This insurance applies to "bodily injury,' and "property damage" only if: @ 20'17 The Travelers lndemnity Company Att flghls reserved. lncludca copyrightcd rnaterialol lNuranca Scrvic€s Oflice, lnc. wilh its permission (1) The "bodily injury" or ,'property damage. is caused by an "occurrence" that takes place in the "coverage territory"; (2) The "bodily injury" or ''propeny damage,, occurs during the policy period; and (3) Prior to the policy period, no insured listed under Paraqraph 1. of Section ll - Who lsAn lnsured and no "employee" authorizedby you to give or receive notice of an "occurrence" or claim knew that the ,,bodily injury" or "property damage" had occurred, in whole or in part. lf such a listed insured or authorized "employee" knew, prior to thepolicy period, thar the ,,bodily iniury', or'property damage" occurred, then any continuation, change or resumption of such "bodily injury' or ''property damage,, during or after lhe policy period will be deemed to have been known prior to the policy period. c. "Bodily injury" or "property damage,' which occurs during the policy period and was not,prior to the policy period, known to have occurred by any insured listed under paragraph 1. of Section ll - Who ls An lnsured or any "employee" authorized by you to give or receive notice of an "occurrence" or claim, includes any continuation. change or resumption of that "bodily injury" or "property damage,, after the end of the policy period. d. "Bodily injury" or "property damage,, will be deemed to have been known to have occurredat the earliest time when any insured listed under Paragraph 1. of Section ll - Who ls An lnsured or any "employee" authorized by you togive or receive notice of an "occurrence,, or claim: (1) Reports all, or any part, of the ,'bodily injury" or "property damage" to us or any olher insurer; (2) Receives a written or verbal demand or claim for damages because of the "bodily rnjury" or "property damage,,; or (3) Becomes aware by any other means that "bodily injury" or "property damage,, has occurred or has begun to occur. Page 1 of 21cG T1 00 02 19 COMMERCIAL GENERAL LIABILIry e, Damages because of "bodily injury'' include damages claimed by any person or organization for care, loss of services or death resuhing at any time from the "bodily injury'. 2. Exclusions This insurance does not apply to: a. Expected Or lntended lnjury "Bodily injury" or "property damage" expected or intended from the standpoint of the insured. This exclusion does not apply to "bodily iniury" or "property damage" resulting from the use of reasonable force to protect persons or property. b. contractual Liability "Bodily injury" or "property damage" for whichthe 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 isan "insured contracl", provided that the "bodily injury" or "property damage" occurs subsequent to the execution of the contract or agreernent. Solely for the purposes of liability assumed in an 'insured contract", reasonable altorneys' fees and necessary litigation expenses incurred by or for a party other than an insured will be deemed to bedamages because of "bodily injury" or "property damage", provided that: (a) Liability to such party for, or for the cost of, that party's defense has also been assumed in the same ''insured contract"; and (b) Such attorneys' fees and litigation expenses are for defense of that party against a civil or alternative disputeresolution proceeding in which damages to which this insurance applies are alleged. c. Liquor Liability "Bodily injury" or "property damage,' for which any insured may be held liable by reason of: (1) Causing or contributing to the intoxication of any person; (2) The furnishing of alcoholic beverages to aperson under the legal drinking age or under the influence of alcohol; or (3) Any statute. ordinance or regulation relatingto the sale, gift, distribution or use of alcoholic beverages. This exclusion applies only if you are in the business of manufacturing, distributing, selling, serving or furnishing alcoholic beverages. Forthe purposes of this exclusion, permitting a person to bring alcoholic beverages on your premises. ,or consumption on your premises, whelher or not a fee is charged or a license is required for such activity, is not by itsell considered the business of selling, serving or furnishing alcoholic beverages. d. Workers' Compensation And Similar Laws Any obligation of the insured under a workers,compensation, disability benefits or unemployment compensation law or any similar law. e. Employer's Liability ''Bodily injury" to: (1) An "employee" of the insured arising out ol and in the course of: (a) Employment by the insured: or (b) Performing duties related to the conduct of the insured's business: or (2) The spouse, child, parent, brother or sisterof that "employee" as a consequence of Paragraph (1) above. This ex€lusion applies whether the insured may be liable as an employer or in any other capacity and to any obligation to share damages with or repay someone else who must pay damages because of the injury. This exclusion does not apply to liability assumed by the insured under an "insured contract". f. Pollution (1) "Bodily injury" or "property damage" arisingout of the actual, alleged or threatened discharge, dispersal, seepage. migration, release or escape of "pollutants": (a) At or 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 byor originating from equipment that O 2017 The Travele6 lndemnity Company. AI .ight! relcrved. lncludes copyrighted material of ln3uranc€ Services Officr, lnc. with lts permission Page 2 ol 21 cG T1 00 02 19 is used to heat, cool or dehumidirythe building, or produced by or originating from equipmenl 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 po,icy as an additional insured with 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 occupied by, or rented or loaned to, any insured, other than that additional insured; or (iii) "Bodily damage" COMMERCIAL GENERAL LIABILITY to pertorm the normal electrical, hydraulic or mechanical functions necessary for the operation of "mobile equipment" or its parts, if such fuels, lubricants or other operating fluids escape from a vehicle pan designed to hold, storeor receive them. This exception does not apply if the "bodily injury,, or "property damage" arises out ol the intentional discharge, dispersal or release of the fuels, lubricants or other operating fluids, or if such fuels, lubricants or other operating fluids are brought on or to tha premises, site or location with the intent that they be discharged, dispersed or released as part ot the operations being performed bysuch insured, conlractor or subcontractor; (ii) "Bodily injury" or "properry 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 iniury" or "property damage" arising out of heat, smoke or fumes from a ''hostile fire'': or (e) At or from any premises, site or location on which any insured or any contractors or subcontraclors working direclly or indirectly on any insured,sbehalf are or were at any timeperforming operations to test for, monitor, clean up, remove, contain, treat. detoxit or neutralize, or in any way respond to, or assess the effects of, "pollutants". (2) Any loss, cost or expense arising out of any: (a) Request, demand, order or statutory or regulatory requirement that any insuredor others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the etfects of, "pollutants"; or injury" arising fumes "propertyof heat,a "hostile or out fromsmoke or fire"; (b) At or from any premises, sile or location which is or was at any time used by or for any insured or others forthe handling, storage, disposal, processing or treatment of waste; (c) lf such "pollutants" are or were at anytime transported, handled, stored, treated, disposed of, or processed as waste by or for: (i) Any insured: or (ii) Any person or organization forwhom you may be legally responsible; (d) At or 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 ''pollutants" are brought on or to the premises, site or location in connection with such operations by such insured, contractor or subcontractor. However, this subparagraph does not apply to: (i) "Bodily injury" or "property damage" arising out of the escapeof fuels, lubricants or other operatlng fluids which are needed O 2017 The Travelr.s lndemnity Company All right3 rrserved l.rclude3 copyrighled mat€rial ot lnsurance SeMces Office, lnc. with its permission cG T1 00 02 19 Page 3 of 21 COMMERCIAL GENERAL LIABILIry (b) Claim or suit by or on behalf of any governmental authority or any otherperson or organization because ol testing for, monitoring, cleaning up,removing, containing, treating. detoxifying or neutralizing, or in any way responding to, or assessing the effects of, "pollutants'. g. Aircraft, Auto Or Watercraft "Bodily injury" or "property damage" arising outof the ownership, maintenance, use or 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 lhe 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" involvedthe ownership, maintenance, use or entrustment to others of any aircraft, "auto" or watercraft that is owned or operated by or rented or loaned to any insured. This exclusion does not apply to: (1) A watercraft while ashore on premises you own or rent: (2) A watercraft you do not own that is: (a) 50 feet long or less: and (b) Not being used to carry any person or property for a charge; (3) Parking an "auto" on, or on the ways 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 @ntract" for the ownership, maintenance or use of aircraft or watercraft: (5) "Bodily injury" or "property damage" arising out of: (a) The operation of machinery or equipment that is attached to, or part of, a land vehicle that would qualify as "mobile equipment" under the definitionof "mobile equipment" if such land vehicle were not subject to a compulsory or financial responsibility law, or other motor vehicle insurance law, where it is licensed or principally garaged: or (b) The operation of any o, the machinery or equipment listed in Paragraph t.(2) or f.(3) of rhe definition of .mobile equipment"; or (6) An aircraft that is: (a) Chartered with a pilot to any insured: (b) Not owned by any insured; and (c) Not being used to carry any person or property for a charge. h. Mobile Equipment "Bodily injury" or "property damage" arising out of: (1) The transponation of "mobile equipment,,by an "auto" owned or operated by or rented or loaned to any insured; or (2) The use of "mobile equipment" in, or while in practice for, or while being prepared for, any prearranged racing, speed, demolition, or stunting activity i. War "Bodily injury" or "property damage" arising out of: (1) War, including undeclared or civil war; (2) Warlike action by a military force, including action in hindering or delending against anactual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or (3) lnsurrection, rebellion, revolution, usurped power, or action taken by governmental authority in hindering or defending against any of these. j. Damage To Property "Property damage" to: (1) Properly you own, rent, or occupy, including any costs or expenses incurred by you, or any other person, organization orentity, lor repair. replacement, enhancement, restoration or maintenance of such property for any reason, including prevention of injury to a person or damage to anothefs property; (2) Premises you sell, give away or abandon, if the "property damage" arises out of any part of those premises; (3) Property loaned to you; (4) Personal property in the care, custody or control of the insured; Page 4 of 21 cG T1 00 02 19O 2017 The T.avclc6 lndemnity Company A! righls reoerved lncludes copyflghtcd matorial ol lnsuranc€ Servicls Oflic€ hc with ils pemigson (5) That particular part of real property onwhich 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 (6) That particular part of any property that must be restored, repaired or replaced because "your work" was incorrectly performed on it. Paragraphs (1). (3) and (4) of this exclusion do not apply to "premises damage". A separate lirnit of insurance applies to 'premises damage" as described in Paragraph 6. of Section lll - Limits Of lnsurance. 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 exclusion do not apply to liability assumed under a sidetrack agreement. Paragraph (6) of this exclusion does not apply to "property damage" included in the "products- completed operations hazard". k. Damag€ To Your Product "Property damage" to "your product" arising out of it or any parl of it. l. Damage To Your Work "Property damage" to "your work" arising out of it or any part of it and included in the "products- completed operations hazard". This exclusion does not apply if the damaged work or the work out of which the damage arises was performed on your behalf by a subcontractor m. Damage To lmpaired Property Or Property Not Physically lnjured "Property damage" to "impaired propedy" or property that has not been physically injured, arising out or: (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 conlract or agreement in accordance with its terms. This exclusion does not apply to the loss of useof other property arising out of sudden and O 20'! 7 Thc Trav6lers lndemnity Company All rights reserved lncluder copyrighted material of lnsurancc Services Oflice, lnc. w[h its permission COI\,4MERCIAL GENERAL LIABILIry accidental physical injury to "your product" or "your work'' after it has been put to its intended use. Recall Of Products, Work Or lmpaired Propeily Damages claimed for any loss, cost or expense incuned by you or others for the loss of use.withdrawal, recall, inspection. repair, replacement, adjustment, removal or disposal of: (1) 'Your product": (2) "Your work"; or (3) "lmpaired property"; if such product, work, or property is withdrawn or recalled from the market or from use by any person or organization because of a known or suspected defect, deficiency, inadequacy or dangerous condition in it. o, Personal And Advertising tnjury "Bodily in1ury" arising out of "personal and advertising injury". p. Electronic Data Damages arising out of the loss of, loss of use of, damage to, corruption of, inability to access. or inability to manipulate "electronic data". However, this exclusion does not apply to liability for damages because of "bodily inpry". q. Unsolicited Communication "Bodily injury" or "property damage' arising out of any actual or alleged violation of any law that .estricts or prohibits the sendilg, transmitting or distributing oi''unsolicited communtation". r. Access Or Disclosure Of Conidfenital Or Personal lnformation "Bodily injury" or "property damage'' arising our o, any access to or disclosure of any person'sor organization's confidential or personal information. s. Asbestos (1) "Bodily injury'' or "properly damage" arising out o, the actual or alleged presence or actual, alleged or threatened dispersal of asbestos, asbestos fibers or products containing asbestos, provUed that the "bodily injury" or "property damage" is caused or contributed to by the hazardous properties of asbestos. n cG Tt 00 02 19 Paqe 5 of 21 COMMERCIAL GENERAL LIABILITY (2) "Bodily inlury" or "property damage" arising out of the actual or alleged presence or actual, alleged or threatened dispersal of any solid, liquid, gaseous or thermal irritantor contaminant, including smoke, vapors, soot, fumes, acids, alkalis, chemicals and wasle, and that are part of any claim or "suit'' which also alleges any "bodily injury"or "property damage" described in Paragraph (1) above. (3) Any loss, cost or expense arising out of any: (a) Request, demand, order or statutory or regulatory requirement that any insured or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, orassess the effects of, asbestos, asbestos fibers or products containing asbestos: or (b) Claim or suit by or on behalf of anygovernmental authority or any other person or organization because of testing for, monitoring, cleaning up,removing. containing, treating, detoxilying or neutralizing, or in any way responding to, or assessing the effects of, asbestos, asbestos fibers or products containing asbestos. t, Employment-RelatedPractices "Bodily injury" to: (1) A person arising out of any: (a) Refusal to employ that person; (b) Termination of that person's employment; or (c) Employment.related practice, policy,act or omission. such as coercion, demotion, evaluation, reassignment, discipline, failure to promote oradvance, harassment, humiliation, discrimination, libel, slander, violationof the person's right of privacy, malicious prosecution or false arrest, detention or imprisonment applied to or directed at that person, regardless of whether such practice, policy, act or omission occurs, is applied or is committed before, during or after the time of that person's employment; or (2) The spouse, child, parent, brother or sister of that person as a consequence of ,,bodily injury" to that person at whom any of the employment-related practices described in Paragraph (a). (b),or (c) above is directed. This exclusion applies whether the insured may be liable as an employer or in any other capacity and to any obligation to share damages with or repay someone else who must pay damages because of the ,'bodily injury,,. Exclusions c. through n. do not apply to ',premises damage". A separate limit of insurance applies to "premises damage" as described in paragraph 6. of Section lll - Limits Of lnsurance. COVERAGE B _ PERSONAL AND ADVERTISING INJURY LIABILITY 1. lnsuring 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 will have no duty to defend the insured against any"suit" seeking damages for ',personal and advertising injury" to which this insurance doesnot apply. We may, at our discretion, investigate any offense and settle any claim or "suit" that may result. But: (1) The amount we will pay for damages is Iimited as described in Section llt - Limits Of lnsurance; and (2) Our right and duty to defend end when wehave used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C. No other obligation or liability to pay sums orperform acts or services is covered unlessexplicitly prov,ded Jor under Supplementary Payments, b. This insurance applies to "personal and advertising injury" caused by an offense arising out of your busaness but only if the offense was committed in the "coverage territory" during the policy period. 2. Exclusions This insurance does not apply to: a. Knowing Violation Of Rights Of Another "Personal and advertising injury" caused by orat the direction of the insured with the knowledge that the act would violate the rightsof another and would inflict "personal and advertising injury". O 2017 The Trav.lers lndemnrty Company A[ righls reseNed. lncludes copyr(lhled material of lnsurance Servic€s Office, lnc. with its permEsion Page 6 of 21 cG T1 00 02 19 This exclusion does not apply to "personal injury" caused by malicious prosecution. b. Material Published With Knowledge Of Falsity "Personal and advertising injury" arising out of oral or written publication, including publication by electronic means, of material, if done by or at the direction of the insured with knowledge of its falsity. c. Material Published Or Used Prior To Policy Period (1) "Personal and advertising injury" arising outof oral or written publication, including publication by electronic means, of material whose first publication took place before the beginning ol the poltcy period; or (2) "Advertising injury" arising out o{ infringement of copyright, "title" or "slogan"in your "advertisement" whose first infringement in your "advertisement" was committed before the beginning of the policy period. d. Criminal Acts "Personal and advertising injury" arising out of a criminal act committed by or at the direction of the insured. e. Contractual Liability "Personal and advertising injury" for which the insured has assumed liability in a contract or agreement. This exclusion does not apply to liability for damages: (1) That the insured would have in the absence of the contract or agreement: or (2) Because of "personal injury" assumed by you in a contracl or aqreement that is an "insured contract'', provided that the "personal injury" is caused by an offense committed subsequent to the execution of the contract or agreement, Solely for the purposes of liability assumed by you in an "insured contract", reasonable attorneys' fees and necessary litigation expenses incurred by or for a party other than an insured will be deemed to be damages because of "personal iniury", provided that: (a) Liability to such party tor, or for the cost of, that party's defense has also been assumed by you in the same "insured contract"; and (b) Such attorneys' fees and litigation expenses are for defense of that party COMMERCIAL GENERAL LIABILITY against a civil or alternative disputeresolution proceeding in which damages to which this insurance applies are alleged. f. Breach Of Contract "Advertising injury" arising out of a breach of contract. g. Quality Or Performance Of Goods - Failure To Conform To Statements "Advertising injury" arising out of rhe failure ofqoods, products or services to conform with any statement of quality or performance made in your "advertisement". h, Wrong Description Of Prices "Advertising injury" arising out of the wrong description of the price of goods, products or services stated in your "advertisement". i, lntellectualPioperty "Personal and advertising injury" arising out of any actual or alleged infringement or violation of any of the following rights or laws, or any other "personal and advertising injury" alleged in any claim or "suit" that also alleges any such infringement or violationl (1) Copyrightj (2) Patentl (3) Trade dress; (4) Trade name: (5) Trademark: (6) Trade secret: or (7) Other intellectual property rights or laws. This exclusion does not apply to: (1) "Advertising injury" arising out of any actualor alleged infringement or violation of anothefs copyright, "title" or "slogan" in your "advertisement": or (2) Any other "personal and advertising injury,, alleged in any claim or "suit'' that also alleges any such infringement or violation of another's copyright, "title" or "slogan', in your "advertisement". j. lnsureds ln Media And lnternet Type Businesses "Personal and advertising injury" caused by an offense committed by an insured whose business is: (1) Advertising,'broadcasting" or publishing; O 2017 Th€ T.avelers lndemnity Company. All rights reseNed. lncludes copyrbhted mate.ial of lnsurance Servaces ffice, tnc. with its permission cG T1 00 02 19 Page 7 of 21 COMMERCIAL GENERAL LIABILITY (2) Designing or determining content of websites for others; or (3) An lnternet search, access. content or service provider. However, this exclusion does not apply to Paragraphs a.(1), (2) and (3) of the definition of "personal injury''. For the purposes of this exclusion: (1) Creating and producing correspondence written in the conduct of your business, bulletins, financial or annual reports, or newsletters about your goods, products orservices will not be considered the business of publishing; and (2) The placing of frames, borders or links, or advertising, for you or others anywhere on the lnternet will not, by itself, be considered the business of advertising, "broadcasting" or publishing. k. Electronic Chatrooms Or Bulletin Boards "Personal and advertising injury" arising out ofan electronic chatroom or bulletin board the insured hosts or owns, or over which the insured exercises control. l. Unauthorized Use Of Another's Name Or Product "Personal and advertising injury" arising out ofthe unauthorized use of another's name or product in your e-mail address, domain name or metatag, or any other similar tactics to mislead another's potential customers. m. Pollution "Personal and advertising injury" arising out ofthe actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of "pollutants" at any time. n. Pollution-Related Any loss, cost or expense arising out of any: (1) Request, demand, order or statutory or regulatory requirement that any insured or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of, "pollutants"; or (2) Claim or suit by or on behalf of any governmenlal authority or any other personor organization because of testing for,monitoring, cleaning up, removing,containing, treating, detoxifying or neutralizing, or in any way responding to,or assessing the effects of, "pollutants,'. o. War "Personal and advertising iniury" arising out of: (1) War, including undeclared or civil wari (2) Warlike action by a military force, including action in hindering or defending against anactual or expected attack, by any government, sovereign or other authority using military personnel or other agents: or (3) lnsurrection, rebellion, revolution, usurpedpower, or action taken by governmental authority in hindering or defending against any of these. p, UnsollciledCommunication "Personal and advertising injury" arising out of any actual or alleged violation of any law that restricts or prohibits the sending, transmitting or distributing of "unsolicited communication*. q, Access Or Disclosure OI Confidenital Or Personal lnformation "Personal and advertising injury" arising out of any access to or disclosure of any person's ororganization's confidential or personal information. r. Asbestos (1) "Personal and advertising injury" arising out of the actual or alleqed presence or actual, alleged or threatened dispersal of asbestos, asbestos fibers or products containing asbestos, provided that the "personal and advertising injury" is caused or contributed to by the hazardous properties of asbestos. (2) ''Personal and advertising injury" arising out of the actual or alleged presence or actual, alleged or threatened dispersal of any solid,liquid, gaseous or thermal irritant or contaminant, including smoke, vapors, soot. fumes, acids, alkalis, chemicals and waste, and that are part of any claim or "suit" which also alleges any "personal and advertising injury" described in Paragraph (1) above. (3) Any loss, cost or expense arising out of any: (a) Request, demand, order or statutory or regulatory requirement that any insured or others test for. monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or Page I of 21 cG T1 00 02 19O2017 The Travelers lndemnity Company. All rights r6served. lncludes copyrighted matcrial ol lNuranac Scrvic€s Ottice, lnc. wllh lts pcrmis3ion assess the effects of, asbestos, asbestos fibers or products containing asbestos; or (b) Claim or suit by or on behalf of any governmental authority or any other person or organization because of testing for, monitoring, cleaning up,removing, containing, treating,detoxiling or neutralizing, or in any way responding to, or assessing the effects of, asbestos, asbestos fibers or products containing asbestos. Employment-Related Practices "Personal injury" to: (1) A person arising out of any: (a) Refusal to employ that person; (b) Termination of that ernployment; or person's (€) Employment-related practice, policy,act or omission, such as coercion, demotion, evaluation, reassignment, discipline, failure to promote oradvance, harassment, humiliation, discrimination, libel, slander, violationof the person's right of privacy, malicious prosecution or false arrest, detention or imprisonment applied to or directed at that person, regardless of whether such practice, policy, act or omission occurs, is applied or is committed before, during or after the time of that person's employment; or (2) The spouse. child, parent. brorher or sisterof that person as a consequence of "personal injury" to that person at whomany of the employment-related practices described in Paragraph (a), (b), or (c) above is directed. This exclusion applies whether the insured may be liable as an employer or in any other capacity and to any obligation to share damages with or repay someone else who must pay damages because of the "personal injury". COVERAGE C - MEOICAL PAYMENTS 1. lnsuring Agreement a. We will pay medical expenses as described below for "bodily injury" caused by an accident:(1) On premises you own or rent; (2) On ways next to premises you own or renu or COMMERCIAL GENERAL LIABI LIry (3) Because of your operations: provided that: (a) The accident takes place in the ,,coverage territory" and during the policy period; (b) The expenses are incurred and reported tous within one year of the date of the accident; and (c) 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 regardless offault. These payments will not exceed the applicable limir of insurance. We will pay reasonable expenses for: (1) First aid administered at rhe time of an accident; (2) Necessary medical, surgical, X-ray anddental services, including prosthetic devices; and (3) Necessary ambulance, hospital, professional nursing and funeral services. 2. Exclusions We will not pay expenses lor "bodily injury,': a, Any lnsured To any insured, except ''volunteer workers,,. b. Hired Person To a person hired to do work for or on behalf ol any insured or a tenant of any insured. c. lnjury On Normally Occupied premises To a person injured on that part of premisesyou own or rent that the person normally occupies. d. Workers' Compensation And Slmilar Laws To a person, whether or not an ,,employee,' of any insured, if beneflts for the "bodily injury,'are payable or must be provided under a workers, compensation or disability benefits law or a similar law. e. AthleticsActivities To a person injured while practicing, instructingor participating in any physical exercises or games, sports, or athletic contests. f. Products.CompletedOperationsHazard lncluded within the ,'products-completed operations hazard". g. Coverage A Exclusions Excluded under Coverage A. s O 2017 The Trevolers lndemnity Company. Alt rights reserved. lncludes copyrighled materal o, lnsurance Servic€s Offic€, lnc. with it5 permission cG T1 00 02 19 Page 9 of 21 COMt\4ERCIAL GENERAL LIABILITY SUPPLEMENTARY PAYMENTS 1. We will pay, with respect to any claim we investigate or settle, or any "suit'' against an insured we defend: a. All expenses we incur. b. up to $2,500 for the cost of bail bonds required because of accidents or traffic law violations arising out of the use of any vehicle to which the Bodily Injury Liability Coverage applies. We do not have to furnish these bonds. c. The cost of bonds to release attachments, but only for bond amounts within the applicable limit of insurance. We do not have to furnish these bonds. d. All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of the claim or "suit', including actual loss of earnings up to $500 a day because of time off from work. e. All coun costs taxed against the insured in the "suit". However. these payments do not include attorneys' fees or attorneys' expenses taxed against the insured. f. Pre.iudgment interest awarded againsl the insured on that part of the judgment we pay. tf we make an offer to pay the applicable limit of insurance, we wili not pay any preiudgment interest based on that period of time after the offer. g. All interest on the full amount of any judgment that accrues after entry of the .iudgment andbefore we have paid, offered to pay, or deposited in court the part of the .iudgment that is within the applicable limit of insurance. These payments will not reduce the limits of insurance. 2. lf we defend an insured against a ,'suit,, and an indemnitee of the insured is also named as a party to the "suit", we will defend that indemniree if all of the following conditions are met: a. The ''suh" 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 conlract"; d. The allegations in the 'suit" and the information we know aboul the "occurrence" or offense are such that no conflict appears to exist between the interests of the insured and the interests ol the indemnitee; e. The indemnitee and the insured ask us toconduct and control the defense of that indemnitee against such "suit" and agree that we can assign the same counsel to defend the insured and the indemnitee: and f. The indemnitee: (1) Agrees in writing to: (a) Cooperate with us in the investigalion, settlement or defense of the ,,suit',: (b) lmmediately send us copies of any demands, notices. summonses or legal papers received in connection with the,,suit.: (c) Notify any other insurer whose coverage is available to the indemnitee: and (d) Cooperate with us with respect to coordinating other applicable insurance available to the indemnitee: and (2) Provides us with written authorization to: (a) Obtain records and other information related to the,'suit,,: and (b) Conduct and control the defense of the indemnitee in such "suit". So long as the above conditions are met, attorneys,fees jncurred by us in the defense of that indemnitee, necessary litigation expenses incurred by us and necessary litigation expenses incurred bythe indemnitee at our request will be paid as Supplementary Payments. Notwithstanding the provisions of Paragraph 2.b.(Z) of Section I -Coverages - Coverage A - Bodily lnjury And Property Damage Liability or Paragraph 2.e. of Section l- Coverages - Coverage B - personal And Advertising lnjury Liability, such payments will not be deemed to be damages for ,'bodily injury,,, "property damage" or "personal injury", and will not reduce the limits of insurance. Our obligation to defend an insured's indemnitee and to pay for attorneys' fees and necessary litigation expenses as Supplementary paymenti ends when: @ 2017 The Travelsrs lndemnity Company All righl! regervcd lncludes copyrighted mal€rial of lnsurance Services Ofllce, lnc wilh ils p.rmission Page 10 of 21 cG T1 00 02 19 COMMERCIAL GENERAL LIABILITY workers" while performing dutiesrelated to the conduct of your business; (b) To the spouse, child, parent, brother orsister of that co-"employee" or "volunteer worker" as a consequence of Paragraph (1Xa) above; (c) For which there is any obligation to share damages with or repay someone else who must pay damages because of the injury described in Paragraph (1)(a) or (b) above: or (d) Arising out of his or her providing or failing to provide professional health care services. Unless you are in the business or occupaiion of providing professional health care services, Paragraphs (1Xa), (b), (c) and (d) above do not app! to "bodily injury" arising out of providing or failing to provide first aid or "Good Samaritan services" byany of your "employees" or "volunteer workers", other than an employed or volunteer doctor. Any such "employees" or "volunteer workers" providing or failing toprovide first aid or "Good Samaritan services" during their work hours for you will be deemed to be acting within the scope of their employment by you or performing duties related to the conduct of your business, (Z) "Property damage" to property: (a) Owned, occupied or used by: (b) Rented lo, in the care, custody or control of, or over which physical control is being exercised for any purpose by: you, any of your "employees", "volunteer workers", any partner or member (if you area pannership or joint venture), or any member (if you are a limited liability company). b. Any person (other than your "employee" or "volunteer worke/'), or any organization, while acting as your real estate manager. c, Any person or organization having proper temporary custody of your property if you die, but only: (1) With respect to liability arising out of the maintenance or use of that property; and (2) Until your legal representative has been appointed. O 20'17 The Traveler! lndcmnity Company. A[ righb r$e.ved. lncludes copyrbhted materialof lNurancs Scrvtc.s Ofiicc. lnc. with its permission. cG T1 00 02 19 Page 11ot21 a. We have used up the applicable limit ot insurance in the payment of judgments, seulements or medical expenses; or b. The conditions set forth above, or the terms of the agreement described in Paragraph f, above, are no longer met. SECTION II - WHO IS AN INSUREO 1. lf you are designaled in the Declarations as: a. An individual, you and your spouse are insureds, but only with respect to the conducl of a business of which you are the sole owner. b. A partnership or joint venture, you are an insured. Your members, your partners, and their spouses are also insureds, but only with respect to the conduct of your business. c. A lirnited liability company, you are an insured. Your members are also insureds. but only with respect to the conduct of your business. Your managers are insureds, but only with respect to their duties as your managers. d. An organization other than a pannership, joint venture or limited liability company, you are an insured. Your "executive officers" and directors are insureds, but only wlth respect to their duties as your officers or directors. Your stockholders are also insureds, but only with respect to their liability as stockholders. e. A trust. you are an insured. Your lrustees are also insureds, but only with respect to their duties as trustees. 2. Each of lhe 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 offacers" (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 conductof your business, However, none of these "employees" or "volunteer workers" are insureds for: (1) "Bodily injury" or "personal injury": (a) To you, to your partners or members (il you are a partnership or joint venture), to your members (if you are a limited liability company), to a coJ'employee" while in lhe course of his or her employment or performing duties related to the conduct of your business, or to your other "volunteer COMMERCIAL GENERAL LIABILIry d. Your legal representative if you die, but onlywith respect to duties as such. That representative will have all your rights and duties under this Coverage Part. e. Any person or organization that, with your express or implied consent, either uses or is responsible for the use of a watercraft that you do not own that is: (1) 50 feet long or less; and (2) Not being used to carry any person or property for a charge. 3. Any organization you newly acquire or form, other than a partnership, joint venture or limired liability company, and of which you are the sole owner or in which you maintain an ownership interest of more than 50%, will qualify as a Named tnsured if there isno other similar insurance available to that organization. However: a. Coverage under this provision is afforded only until the 180th day after you acquire or form the organization or the end of the policy period, whichever is earlier: b. Coverage A does not apply to "bodily injury,' or "property damage" that occurred before you acquired or formed the organization: and c. Coverage B does not apply to ''personal and advertising injury" arising out of an offense committed before you acquired or formed the organization. For the purposes of Paragraph 1. of Section ll -Who ls An lnsured, each such organization will be deemed to be designated in the Declarations as: a. An organization, other than a partnership, joint venture or limited liability company; or b. A trusu as indicated in its name or the documents that govern its structure- 4. Any person or organization that is a premises owner, manager or lessor and that you have aqreed in a written contract or agreement to include as anadditional insured on this Coverage part is an insured, but only with respect to liability lor "bodily injury", "property damage" or "personal and advertising iniury'' that: a. ls "bodily iniury" or 'property damage" that occurs, or is "personal and advertising injury',caused by an otfense that is committed, subsequent to the signing of that contract or agreement; and b. Arises out of the ownership, maintenance or use of that part of any premises leased to you. The insurance provided to such premises owner,manager or lessor is subiect to the following provisions; a. The limits of insurance provided to suchpremises owner, manager or lessor will be the minimum limits that you agreed to provide in thev/ritten contract or agreement, or the limits shown in the Declarations, whichever are less. b. The insurance provided to such premises owner, manager or lessor does not apply to: (1) Any "bodily injury" or "property damage,, that occurs, or "personal and advertising injury'' caused by an offense that ii committed, 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 such premises owner, manager or lessor, 5. Any person or organization that is an equipment lessor and lhat you have agreed in a written contract or agreement to include as an additional insured onthis Coverage Part is an insured, but only with respect to liability for ,'bodily injury,,, ,,property damage", or "personal and advertising injury,i that: a. ls "bodily injury" or "property damage', that occurs, or is "personal and advertising injury,,caused by an offense that is committed, subsequent to the signing of that contract or agreement; and b, ls caused, in whole or in part, by your acts or omissions in the maintenance, ope,ation or use of equipment leased to you by such equipment lessor. The insurance provided to such equipment lessor is subject lo the following provisions: a. The limits of insurance provided to such equipment lessor will be the minimum limits that you agreed to provide in the written contract or agreement, or the limits shown in the Declarations, whichever are less. b. The insurance provided to such equipment lessor does not apply to any "bodily injury,, or "property damage" that occurs, or ,,personal and advertising injury" caused by an offensethat is committed, after the equipment lease expires. No person or organization is an insured with respect tothe conduct of any current or past partnership, joint Paqe 12 of 21 cG Tl 00 02 19O 2017 The Travelcrs lndlmnily Company. All righls reserved. lncludc! copyrightcd male.ial ol lnsurance Servic€s Oflice, lnc. with ils pembsion. COMMERCIAL GENERAL LIABILITY The amount shown for the Damage Premises Rented To You Limit in Declarations of this Coverage Part; or a To the O mi7 The Travele6 lndemnity Company All rght6 rescrvcd lncludca copyrightcd malerial ol lnsurancs Servic€s Officc lnc wilh its permissio.r b. $300,000 if no amount is shown for the Oamage To Premises Rented To you Limit in the Declarations of this Coverage part. 7. Subject to Paragraph 5. above, the Medical 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 lnsurance of this Coverage part apply separately to each consecutive annual period and to any remaining period of less than 12 months, startinq withthe beginning of the policy period shown in the Declaralions, unless the policy period is extended after issuance for an additional period of less than j2 months. ln that case, the additional period will be deemed part of the last preceding period for purposes of delermining the Limits of lnsurance. SECTION IV - COMMERCIAL GENERAL LIABILIry CONDITIONS 1. Bankruptcy Bankruptcy or insolvency of the insured or of the insured's estate will not relieve us of our obligations under this Coverage Part, 2. Outies ln The Event Of Occurrence, Offense, Claim Or Suit a. You must see to it that we are notified as soon as practicable of an "occurrence" or an offense which may result in a claim. To the extent possible, notice should include: (1) How, when and where the .occurrence,' or otfense took place; (2) The names and addresses of any injured persons and witnesses; and (3) The nature and location of any injury or damage arising out of the "occurrence,, or offense. b. ll a claim is made or "suit" is brought against any insured, you must: (1) lmmediately 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) lmmediately send us copies of demands, notices, summonses orpapers received in connection with claim or "suit": any legal the cG Tl 00 02 19 Page 'l 3 of 21 venture or limited liability company that is not shown asa Named lnsured in the Oeclarations. This paragraph does not apply to any such partnership, ioint venture or limited liability company that otherwise qualifies as an insured under Section ll - Who ls An lnsured. SECTION III - LIMITS OF INSURANCE 1. The Limits of lnsurance shown in the Declarations and the rules below fix the most we will pay reqardless of the number of: a, lnsureds: b. Claims made or "suits" brought; or c. Persons or organizations making claims or bringing "suits". 2. The General Aggregate Limit is the most we will pay for the sum of: a. Medical expenses under Coverage c: b. Damages under Coverage A, except damages because of "bodily inlury" or "property damage,, included in the "products-completed operations hazard"; and c. Damages under Coverage B. 3. The Products-Completed Operations Aggregate Limit is the most we will pay under Coverage A for damages because oI "bodily injury" and "properly damage" included in the "products-completed operations hazard". 4. Subject to Paragraph 2. above, the Personal And Advertising lnjury Limit is the most we will pay under Coverage B for the sum of all damages because of all "personal injury" and "advertising injury" sustained by any one person or organization. 5. Subject to Paragraph 2. or 3. above, whichever applies, the Each Occurrence Limit is the most we will pay for the sum of: a. Damages under Coverage A; and b. Medical expenses under Coverage C: because of all "bodily injury" and "property damage" arising out of any one "occurrence'. For the purposes of determining the appticableEach Occurrence Limit, all related acts oromissions committed in providing or failing to provide first aid or "Good Samaritan services,, toany one person will be deemed to be one "occurrence". 6. Subject to Paragraph 5. above, the Damage To Premises Rented To You Limit is the most we will pay under Coverage A for damages because of "premises damage' to any one premises. The Damage To Premises Rented To You Limit will be: COI',4MERCIAL GENERAL LIABILITY (2) Authorize us to obtain records and other information: (3) Cooperate with us in the investigation or settlement of the claim or defense against the ''suit": and (4) Assist us, upon our request, in the enforcement of any right against any person or organization which may be liable to the insured because of injury or damage to which this insurance may also apply. d. No insured will, except at lhat insured's own cost, voluntarily make a payment, assume any obligation, or incur any expense, other than for first aid, without our consent. e. The following provisions apply to Paragraph a. above, but only {or purposes of the insurance provided under this Coverage part to you or any insured listed in Paragraph 1. or 2. of Section lt - Who ls An lnsured: (1) Notice to us of such "occurrence'' or offense must be given as soon as practicable only after the "occurrence" or offense is known to you (if you are an individual), any of your parlners or members who is an individual (if you are a partnership or joint venture), any of your managers who is an individual (if you are a limited liability company), any of your "executive officers" or directors (if you arean organization other than a partnership, joint venture, or limited liability company), any of your trustees who is an individual (ifyou are a trust) or any "employee" 3. authorized by you to give notice of an "occurrence" or otfense. 2) lf you are a partnership, ,oint venture, limited liability company or trust, and noneof your partners, joint venture members, managers or trustees are individuals, notice to us of such "occurrence' or offense must be given as soon as practicable only after the "occurrence" or offense is known by: (a) Any individual who is: (i) A partner or member of any partnership or joint venture: (ii) A manager of any limited liability company: (iii) An executive officer or director of any other organization: or (iv) A trustee of any trust: that is your partner, joint venture member, manager or trustee: or (b) Any employee authorized by suchpartnership, joint venture, limitedliability company, trust or other organization to give notice of an "occurrence" or offense. (3) Notice to us of such "occurrence" or offense will be deemed to be given as soon as practicable if it is given in good faith assoon as practicable to your workers, compensation insurer. This applies only if you subsequently give notice to us of the"occurrence" or offense as soon aspracticable after any of the persons described rn Paragraph e.(1) or (Z) above discovers that the "occurrence', or offense may result in sums to which the insuranceprovided under this Coverage part may apply. However, if this policy includes an endorsement that provides limlted coverage for "bodily injury,, or "propeny damage" or pollution costs arisingout of a discharge, release or escape of "pollutants'' which contains a requirement that the dlscharge, release or escape of "pollutants,, must be reported to us within a specific numberof days after its abrupt commencement, this Paragraph e. does not affect that requirement. Legal Action Against Us No person or organization has a right under this Coverage Part: a. To ioin us as a party or otherwise bring us into a "suit" asking for damages from an insured: or b. To sue us on this Coverage Part unless all of its terms have been fully complied with, A person or organization may sue us to recover on an agreed settlement or on a final judgment againstan insured; but we will not be liable for damagesthat are not payable under the terms of this Coverage Pan or that are in excess of the applicable limit of insurance. An agreed settlement means a settlement and release of liability signed by us, the insured, and the claimant or the claimant,s legal representative. @ 2017 The Travelers lndemnity Company AI righB reserved. lncludes copyrighted male.ialof lnsurance Services Ofiice, lnc. wilh its permission Page '14 of 21 cG Tl 00 02 19 4. Other lnsurance lf valid and collectible other insurance ls available to the insured for a loss we cover under Coverages A or B of this Coverage Part, our obligations are limited as described in Paragraphs a, and b, below. As used anywhere in this Coverage Part, other insurance means insurance, or the funding of losses, that is provided by, through or on behalf of: (i) Another insurance company: (ii) Us or any of our afflliated insurance companies, except when the Non cumulation of Each Occurence Limit provision of Paragraph 5, of Section lll - Limits Of lnsurance or the Non cumulation of Personal and Advertising lnjury Limit provision of Paragraph 4. of Section lll -Limits of lnsurance applies because the Amendment - Non Cumulation Of Each Occurrence Limit Of Liability And Non Cumulation Of Personal And Advertising tnjury Limit endorsement is included in this policy: (iii) Any risk retention group; or (iv)Any self-insurance method or program, in which case the insured will be deemed to be the provider of other insurance. Other insurance does not include umbrella insurance, or excess insurance, that was bought specifically to apply in excess of the Limits of lnsurance shown in the Declarations of this Coverage Part, As used anywhere in this Coverage Part, other insurer means a provider of other insurance. As used in Paragraph c, below, insurer means a provider of insurance. a. Primary lnsurance This insurance is primary except when Paragraph b. below applies, lf 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, except when Paragraph d. below applies. b. Excess lnsurance (1) This insurance is excess over: (a) Any of the other insurance, whetherprimary, excess, contingent or on any other basis: (i) That is Fire, Extended Coverage, Builder's Risk, lnstallation Risk or similar coverage for ,'your work,,: @ 2017 The Travelers lndemnig Company A rights resewed. lncludes copyrighted malerial o, lnsurance Servrces Otflce, lnc with ils permission COMMERCIAL GENERAL LIABILITY (ii) That is insurance for "premises damage": (iii) lf the loss arises out of the maintenance or use of aircraft, "autos" or watercraft to the extent not subject to any exclusion in this Coverage Part that applies to aircraft, "autos" or watercraft: (iv) That is insurance available to apremises owner, manager or lessor that qualifies as an insured under Paragraph 4. of Section ll -Who ls An lnsured, except v,rhen Paragraph d. below applies; or (v) That is insurance available to an equipment lessor that qualifies as an insured under Paragraph 5. of Section ll - Who ls An lnsured, except when Paragraph d. below applies. (b) Any of the other insurance, whether primary, excess, contingent or on any other basis, that is available to theinsured when the insured is an additional insured, or is any other insured that does not qualify as anamed insured, under such other insurance. (2) When this insurance is excess, we will have no duty under Coverages A or B to defend the insured against any "suit'' if any other insurer has a duty to defend the insured against that "suit". lf no other insurer defends, we will undenake to do so, but we will be entitled to the insured's rights against all those other insurers. (3) When this insurance is excess over other insurance, we will pay only our share of 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 total of all deductible and setf- insured amounts under all that other insurance. (4) We will share the remaining loss, if any, with any other insurance that is notdescribed in this Excess lnsurance provision and was not bought specifically to apply in excess of the Limits of lnsurance shown in the Declarations of this Coverage Part. cG T1 00 02 19 Page 15 of 21 COMMERCIAL GENERAL LIABILITY c. Method Of Sharing lf all of the other insurance permits contribution by equal shares, we will follow this method also. Under this approach each insurer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains, whichever comes first, lf any of the other insurance does not permit contribution by equal shares, we will contribute by limits. Under this method, each insure/s share is based on the ralio of its applicable limitof insurance to the total applicable limits of insurance of all insurers. d. Primary And Non.Contributory lnsurance lf RequireC By Written Contract lf you specifically agree in a written contract or agreement that the insurance afforded to an insured under this Coverage Part must apply ona primary basis, or a primary and non- contributory basis, this insurance is primary to other insurance that is available to such insured which covers such insured as a named insured. and we will not share whh that other insurance, provided that: (1) The "bodily injury''or "property damage" for which coverage is sought occurs; and (2) The "personal and advertising injury" for which coverage is sought is caused by an offense that is committed; subsequent to the signing of that contract or agreement by you. 5. Premium Audit a. We will compute all premiums for this Coverage 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 earned premium for that period and send notice to the first Named lnsured. The due date for audit and retrospective premiums is the date shown as the due date on the bill. lf the sum o, the advance and audh premiums paid for the policy period is great€r than the earned premium, we will return the excess to the first Named lnsured. c. The first Named lnsured musl keep records ofthe 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; b. Those statements are based upon representations you made to us; and c, We have issued this policy in reliance upon your representations. The unintentional omission of, or unintenlional error in, any information provided by you which we relied upon in issuing this policy will not prejudice your rights under this insurance. However, this provision does not affect our right to collect additional premium or to exercise our rights of cancellation or nonrenewal in accordance with applicable insurance laws or regulations. 7. Separation Of lnsu?eds Except with respect to the Limits of lnsurance, and any righls or duties specifically assigned in this Coverage Part to the lirst Named lnsured, this insurance applies: a. As if each Named lnsured were the only Named lnsured: and b. Separately to each insured against whom claim is made or "suit" is brought. 8. Transfer Ol RiEhts Of Recovery Against Others To Us lf 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. 9, When We Do Not Renew lf we decide nol to renew this Coverage Part, we will mail or deliver to the first Named lnsured shown inthe Declarations written notice of the nonrenewal not less than 30 days before the expiration date. lf notice is mailed, proof of mailing will be sufticient proof of notice. SECTION V - DEFINITIONS 1. "Advertisement" means a notice that is broadcast or published to the general public or specific market segments about your goods, products or servicesfor the purpose of attracting customers or supporters- For the purposes of this definition: a. Notices that are published include material placed on the lnternet or on similar electronic means of communication; and b, Regarding websites, only that part of a website that is about your goods, products or servicesfor the purposes of attracting customers or supporters is considered an advertisement. O 2017 Th€ Travelers lndcmnity Company. All.tghtr rcaervcd. lncludcs copyrighted male.ial o, lnlurance Servicca Office, lnc. with (E permission Page 16 of 21 cG T1 00 02 19 2. "Advertising injury": a. Means injury caused by one or more of the following offenses: (1) Oral or written publication, including publication by electronic means, of material in your "advertisement" that slanders orlibels a person or organization or disparages a person's or organization's goods, products or services, provided that the claim is made or the "suit" is brought by a person or organization that claims to have been slandered or libeled, or that claims to have had its goods, products or services disparaged; (2) Oral or written publication, including publication by electronic means, of material in your "advertisement" that: (a) Appropriates a person's name, voice, photograph or likeness; or (b) Unreasonably places a person in a false light; or (3) lnfringement of copyright, "title" or ,,slogan,, in your "advertisement", provided that the claim is made or the "suit', is brought by aperson or organization that claims ownership of such copyright, "title,, or "slogan". b. lncludes "bodily injury" caused by one or moreof the offenses described in Paragraph a. above. 3. "Auto" means: a. A land motor vehicle, trailer or semitrailer designed for travel on public roads, including any attached machinery or 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. However, "auto" does not include ,,mobile equipment". 4. "Bodily injury" means: a. Physical harm, including sickness or disease, sustained by a person; or b. Mental anguish, injury or illness, or emotionaldistress, resulting at any time from such physical harm, sickness or disease. 5. 'Broadcasting" means transmitting any audio or visual material for any purpose: a. By radio or television: or (2) Other entertainment, educational, instructional, music or news programming being transmitted; or (3) Advertising transmitted with any of such programming. 6. "Coverage territory" means: a, The United States of America (including its terrilories and possessions), puerto Rico-and Canada: b, lnternational waters or airspace, but only if the injury or damage occurs in the course o1 travelor transportation between any places included in Paragraph a, above; or b. ln, by or with any other electronic means of communication, such as the lnternet, if that material is part of: (1) Radio or television transmitted; programming being c. All other parts of the world if the damage arises out of: rnJUry or (1) Goods or products made or sold by you inthe territory described in paragraph a. above; (2) The activities of a person whose home is inthe territory described in paragraph a. above, but is away for a short time on your business; or (3) "Personal and adverrising injury', offensesthat take place through the lnternet or similar electronic means of communication; provided the insured's responsibility to pay damages is determined in a "suit', on the merits in the territory described in Paragraph a. above, or in a settlement we agree to. 7. "Electronic data" means information, facts orprograms stored as or on, created or used on. or transmilted to or from computer software (includirg systems and applications software), hard or floppydisks, CD-ROMS, tapes. drives, cells, dataprocessing devices or any other media which are used with electronically controlled equipment. 8. "Employee" includes a "leased worker". ',Employee', does not include a "temporary workef,. 9, "Executive officef' means a person holding any ofthe officer positions created by your charter, constitution, bylaws or any other similar governing documenl. @ 20i7 The Travelers lndcmnity Company. All rlghts reserved. lncludeB copyrighted malerial oI lnsurance Servic€s Olfice, lnc. wilh its permlssion cG T1 00 02 19 Page 17 ol ?1 COMMERCIAL GENERAL LIABILIry COMMERCIAL GENERAL LIABILIry 10. ''Good Samaritan services" means any emergency medical services for which no compensation is demanded or received. 11. "Hostile fire" means a fire which becomes uncontrollable or breaks out from where it was intended to be. 12. "lmpaired property" means tangible property, other than "your product" or "your work", that cannot be used or is less useful because: a. lt 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, ad.iustment or removal of "your product" or "your work" or your fulfilling the terms of the contract or agreement. 13. "lnsured 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 "premises damage" is not an "insured contract"; b. A sidetrack agreement; c. Any easement or license agreement, except in connection with construction or demolition operations on or within 50 feet of a raikoad; d, An obligation, as required by ordinance, to indemnify a municipality, except in conneclion with work for a municipality; e. An elevator maintenance agreement: f, That part of any other contract or agreement pertaining to your business (including an indemnification of a municipality in connection with work performed for a municipality) under which you assume the tort liability of anotherpa(y to pay for "bodily injury", "property damage" or "personal injury" to a third person or organization. Tort liability means a liability that would be imposed by law in the absence of any contract or agreement. Paragraph f. does not include that part of any contract or agreement: (1) That indemnifies a railroad for "bodily injury" or "property damage" arising out of construction or demolition operations, within 50 feet of any railroad property and affecting any railroad bridge or trestle, tracks, roadbeds, crossing; tunnel, underpass or (2) That indemnifies an architect, engineer or surveyor for injury or damage arising out of: (a) Preparing. approving, or failing toprepare or approve, maps, shop drawings, opinions, reports, suNeys, field orders, change orders or drawings and specifications: or (b) Giving directions or instructions, orfailing to give them, if rhat is rhe primary cause of the iniury or damage: or (3) Under which the insured, if an architect, engineer or surveyor, assumes liability {oran inlury or damage arising out of theinsured's rendering or failure to render professional services, including those listed in Paragraph (2) above and supervisory, inspection, architectural or engineering activities. 14. "Leased worke/'means a person leased to you by a labor leasing firm under an agreement between you and the labor leasing firm. to perform duties related to the conduct of your business. "Leased worker', does not include a "temporary worker". 15. "Loading or unloading" means the handling of property: a, After it is moved from the place where it is accepted for movement into or onto an aircratt, watercraft or "aulo": b. While it is in or on an aircraft, watercraft ornauto'; or c. While it is being moved from an aircraft, watercraft or ''auto" to the place where it is finally delivered; but "loading or unloading" does not include the movement of property by means of a mechanical device, olher than a hand vuck. that is not attached to the aircraft, walercraft or "auto". l6. "Mobile equipment" means any of the tollowingtypes of land vehicles, including any attached machinery or equipment: a. Bulldozers, farm machinery, forklifts and other vehicles designed for use principalty off public roads; b. Vehicles maintained for use solely on or next to premises you own or rentl c, Vehicles that travel on crawler treads; @ 2017 Th! Travelers lndcmnity Company AI rights rese.ved. lncludes copydghtcd malc.ial ol lnsuEnce Servaces Offrce. lnc with its pe.mEslon Paqe l8 of 21 cG T1 00 02 19 d. Vehicles, whether self-propelled or not, maintained primarily to provide mobility to permanently 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 prirnarily to provide mobility topermanently altached equipment ot the following types: (1) Air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical exploration, lighting and well servicing equipment: or (2) Cherry pickers and similar devices used to raise or lower workers; f. Vehicles not described in Paragraph a,, b., c. or d. above maintained primarily for purposes other than the transportation of persons or cargo. However, sellpropelled vehicles with thefollowing 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) Street cleaningi (2) Cherry pickers and similar devices mounted on automobile or truck chassis and used to raise or lower workers: and (3) Air compressors. pumps and generators, including spraying, welding, building cleaning, geophysical exploration, lighting and well servicing equipment. However, "mobile equipment" does not include any land vehicle that is subject to a compulsory or financial responsibility law, or other motor vehicle insurance law, where it is licensed or principally garaged. Such land vehicles are considered "autos". 17. "Occurrence" means: a. An accident, including continuous or repeated exposure to substantially the same general harmful conditions; or COMMERCIAL GENERAL LIABILIry b. An act or omission committed in providing or failing to provide first aid or "Good Samaritan services" to a person, unless you are in thebusiness or occupation of providing professional health care services. 18, "Personal and advertising injury" means "personal injury" or "advertising injury". 19. "Personal injury": a. Means injury, other than "advertising injury", caused by one or more of the following offenses: (1) False arrest. detention or imprisonment: (2) Malicious prosecution: (3) The wrongful eviction from, wrongful entry into, o/ inyasion of the right of private occupancy of a room, dwelling or premises that a person occupies, provided that the wrongful eviction, wrongful entry or invasionoI the right of private occupancy is committed by or on behalf of the owner, landlord or lessor of that room, dwelling or premises; (4) Oral or written publication, including publication by electronic means, of materialthat slanders or libels a person or organization or disparages a person's or organization's goods, products or services, provided that the claim is made or the "suit" is brought by a person or organization that claims to have been slandered or libeled. or lhat claims to have had its goods, products or services disparaged: or (5) Oral or written publication, including publication by electronic means, of materiat that: (a) Appropriates a person's name, voice, photograph or likeness; or (b) Unreasonably places a person in a false light. b. lncludes ''bodily injury" caused by one or moreof the offenses described in Paragraph a. above. 20. "Pollutants" mean any solid, liquid, gaseous or lhermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis. chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed. @ 20'17 The Travelers lndemnity Company. All rhhls rescrved. Includes copyrighted materialof lnsurance Servic€s Otllce, lnc with its permission Page19of21cG T1 00 02 19 21. "Premises damage" means: a. With respect to the first paragraph of the exceptions in Exclusion j. of Section I -Coverage A - Bodily lnjury And property Damage Liability, "property damage" to anypremises while rented to you for a period of seven or fewer consecutive days, including thecontents of such premises; or b. With respect to the exception to Exclusions c. through n. in the last paragraph of paragraph 2. of Section I - Coverage A - Bodily tnjury And Property Damage Liability, ,,property damage,' to any premises while rented to you for a period of more than seven consecutive days, or while temporarily occupied by you with permission of the owner, caused by: (1) Fire; (2) Explosion: (3) Lightning; (4) Smoke resulting from fire, exptosion or lighrning; or (5) Water. But "premises damage" under this paragraph b, does not include "property damage', to any premises caused by: (1) Rupture, bursting, or operation of pressure relief devices; (2) Rupture or bursting due lo expansion or swelling of the contents of any buildinq or structure caused by or resulting from water; or (3) Explosion of steam boilers. steam pipes, steam engines or steam turbines. 22. "Products-completed operations hazard,,: a. lncludes all "bodily injury" and ,,property damage" occurring away from premises you own or rent and arising out of ,,your product,, or "your work" except: COMMERCIAL GENERAL LIABILIry (1) Products that are possession; or strll in your physical (2) Work that has not yet been completed orabandoned. However, .your work,' will bedeemed completed at the earliest of the following times: (a) When all of the work called for in your contract has b€en completed. (b) When all of the work to be done at thejob site has been completed if your contract calls for work at more than one job site, (c) When that part of the work done at ajob site has been put to its intended use by any person or organization otherthan another contractor or subcontractor working on the sameproject. Work that may need service, maintenance, correction. repair or replacement. but whichis otheMise complete, will be treated as completed. b. Does not include "bodily injury,, or ,,property damage" arising out of: (1) The transportation of property, unless the injury or damage arises out of a condition inor on a vehicle not owned or operated byyou, and that condition was created by the "loading or unloading,,of that vehicle by any insured; (2) The existence of tools, unlnstalledequipment or abandoned or unused materials; or (3) Products or operations for \r{hich the classification, listed in the Declarations orin a policy Schedule, states that products- completed operations are subject to theceneral Aggregate Limit. 23. "Property damage" means: a, Physical injury to tangible property, including allresulting loss of use of that property. All auch loss of use will be deemed to occur at the time ofthe physical inJUry that caused it; or b. Loss of use of tangible property that is notphysically injured. All such loss of use will be deemed to occur at the time of the ,,occurrence,, that caused it. For the purposes of this insurance, .eleclronic data,, is not tangible property. 24. "Slogan": a. Means a phrase that others use for the purpose of attracting attention in their advertisjng. b. Does not include a phrase used as, or in, the name of: (1) Any person or organization, other than you; or (2) Any business, or any of the premises, goods, products, services or work, of any person or organization, other than you. O 2017 The Traveh.s Indcmnity Company. All rights raserved. lncludes copyrighled malerial of lniuranc! Services Office, lnc with its permEsion cG T1 00 02 19Page 20 of 21 COMMERCIAL GENERAL LIABILIry 25. "Suh" means a civil proceeding in which damages because of 'bodily injury'', 'property damage', or "personal and advertising injury" to which this insurance applies are alleged. "suit' includes: a. An arbitration proceeding in which such damages are claimed and to which the insured must submit or does submit with our consent: or b. Any other alternative dispute resolution proceeding in which such damages are claimedand to which the insured submits with our consent. 26. ''Temporary worker" means a person who is furnished to you to substitute for a permanent "employee" on leave or to meet seasonal or short- term workload conditions. 27. "Title" means a name of a literary or artistic work. 28, "Unsolicited communicalion,' means any communication, in any form, that the recipient ofsuch communication did not specilically request to receive. 29. "Volunteer worker" means a person who is not your "employee", and who donates his or her work andacts at the direction of and within the scope of duties determined by you, and is not paid a fee, salary or other compensation by you or anyone else for their work performed for you. 30. "Your product": a. Means: (1) Any goods or products, other than realproperly, manufactured, sold, handled. distributed or disposed of by: (a) You: (b) Others trading under your name; or (c) A person or organization whose business or assets you have acquired; and (2) Containers (other than vehicles), materials,parts or equipment furnished in connection with such goods or products. b. lncludes: (1) Warranties or representations made al any time. with respect to the fitness, quality, durability, performance or use of ,your product"; and (2) The providing of or failure to provide warnings or instructions. c. Does not include vending machines or otherproperty rented to or located for the use ofothers but not sold. 31. "Your work": a. Means: (1) Work or operations performed by you or onyour behatf; and (2) Materials, parts or equipment furnished in connection with such work or operations, b. lncludes: (1) Warranties or representations made at anytime with respect to the fitness, quatiti, durability, performance or use of ,,your work": and (2) The providing of or failure to provide warnings or instructions. O 2017 The Travelers lndemnity Company All righle ,Gserved lncludes copyrighted material ot Insuranc! SeNlcca Oflice. lnc. with its permission cG T1 00 02 19 Page 21 of 21 COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. XTEND ENDORSEMENT FOR TECHNOLOGY This endorsement modifies insurance provided under lhe following: COMMERCIAL GENERAL LIABILIry COVERAGE PART GENERAL OESCRIPTION OF COVERAGE - This endorsement broadens coverage. However, coverage lor any injury, damage or medical expenses described in any of the provisions of this endorsement may be excluded oi limited by another endorsement to this Coverage Part and these coverage broadening provisioni do not appty tothe extent that coverage is excluded or limited by such an endorsement. The following listing is a general coverage description only. Read all lhe provisions of this endo/sement and the resl of your policy carefully to determine rights. duties, and what is and is not covered. A. Non-Owned Watercraft - 75 Feet Long Or Less B. Who ls An lnsured - Unnamed Subsidiaries C, Who ls An lnsured - Employees - Supewisory Positions D, Who ls An lnsured - Newly Acquired Or Formed Limited Liability Companies E. Who ls An lnsured - Liability For Conduct Of Unnamed Parlnerships Or Joint Venlures F. Elanket Additional lnsured - Persons Or Organizations For Your Ongoing Operations As Required By Written Contract Or Agreemenl G. Blankel Additional lnsured - 8road Form Vendors H. Blanket Additional lnsured - Controtring lnterest PROVTSTONS A. NON.OWNED WATER CRAFT - 75 FSET LONG OR LESS 1. The following replaces Paragraph (2) ol Exclusion 9., Aircraft, Auto Or Watercraft,in Paragraph 2. ol SECTTON I - COVERAGES - COVERAGE A - BODILY INJURY AND PROPERW DAMAGE LIABILITY: (2) A watercraft you do not own that is: (a) 75 feet long or less: and (b) Not being used to carry any person or propeny for a charge; 2. The following replaces Paragraph 2.o. ot SECTION II - WHO IS AN INSURED: c. Any pe6on or organization that, with your express or implied consent. eilher uses ot l. Blanket Additional lnsured Assignees, Successors Or Receivers Mortgagees J. Blankel Additional lnsu.ed - Govemmental Entities - Permits Or Authorizations Relating To Premises K. Blanket Additional lnsured - Governmental Enlities - Permits Or Authorizations Relating To Operations L,. Medical Payments - lncreased Limit M. Blanket waiver O, Subrogation N. Contractual Liability - Railroads O. Damage To Premises Rented To You cG Dtt 17 02 19 O irotT fhr T ,rbrl lndcmnity Comprtry. At right! llac.vad. lrdudca crpry.ightrd IndarSl ot lnturtnca Srrvirt OtfEa. llc, r.Jtr ib ,lanni|.lolt. Page 1 of5 is responsible lor the use of a watercraft thal you do not own that is: (1) 75 teet long or less; and (2) Not being used to carry any person or propeny for a charge. B. WHO IS AN INSURED - UNNAMED SUASIDIARIES The following is added to SECT|Oi{ lt - WHO tS AN INSURED: Any of your subsidiaries, olher than a partnership or i)int venlure, that is not shown as a Named lnsured in the Declarations is a Named lnsured if: a. You are the sole owner of, or mainlain an ownership interest of more than 50% in, such subsidiary on the lirsl day of the policy period; and b. Snch subsijiary is not an insured under similar olher insurance. COMMERCIAL GENERAL LIABILITY No such subsidiary is an insured for 'bodily injury' or 'ploperty damage' thal occurred, or "personaland advertising injury' caused by an offense committed: a. Before you maintained an ownership interest of more lhan 50% in such subsidiary; or b. After lhe date, if any. during the policy period lhat you no longer maintain an ownership interest of more lhan 50% in such subsidiary. For purposes of Paragraph 1. of Section ll - Whols An lnsured, each such subsidiary will be deemed to be designated in the Declarations as: a. A limited liability company: b. An organization olher than a parlnership, ,ioint venture or limited liability company: or c. A lrusl: as indicated in its name or lhe documents lhat govern its structure. C, WHO IS AN ]NSURED - EMPLOYEES _ SUPERVISORY POSITIONS The following is added to Paragraph 2.a.(1) o, SECTIO N II - WHO IS AN INSUREO: Paragraphs (1Xa), (b) and (c) above do not apply to 'bodily injury'' to a co.'employee' while in the course of the co-'employee's" employmenl by you arising out ol work by any of your "employees' who hold a supervisory position. o. wl{o ts AN tNsuRED - NEWLY ACQUTRED OR FOR MEO LIM]TED LA]BILITY COMPANIES The following replaces Paragraph 3. of SECTION II - WHO IS AN INSURED: 3. Any orgarization you newly acquire or form, other than a partnership or ioint venture, and of which you are the sole owner or in which you maintain an ownership inleresl oI more lhan 50%, will qualify as a Named lnsured il there is no other similar insurance available to lhat organization. However: a, Coyerage under this provision is afforded only: (1) Unlil the l80th day after you acquire or lorm lhe organization or the end of the policy period, whichever is eadier, if you do not report such organization in wriling to us within 180 days after you acquire or form it; or (2) Until the end of the policy period, when that date is later than 180 daysafter you acquire or form such organizalion, i, you rcport such organization in writing lo us within 180 days after you acquire or form it; b, Coverage A does not apply to "bodily inju4y'' or "property damage' lhat occurred before you acquired or formed the organizalion: and c. Coverage I does not apply to "personal and advertising inju4yf' arising oul of an offense commiited before you acquired or formed the organlzation. For the purposes of Paragraph 1. of Section ll - Who ls An lnsuted. each such organizationwill be deemed to be designated in the Declarations as: a. A limited liability company; b. An organization. other than a pannership, joint ventu.e or limited liability company: or c. A |rusl; as indicated in its name or the documents that govern its structure. E. WHO IS AN INSUREO - LAIBILTY FOR CONOUCT OF UNNAMEO PARTIiTERSHIP SO R JOINT VENTURES The following replaces the last paragraph of SECTION II - WHO IS AN INSURED: No person or organization is an insured with respect to the conduct of any currenl or past partnership or joinl venture that is nol shown as aNamed lnsured in the Declarations. This paragraph does not apply to any such pa.tnership or ioint venture that otherwise qualifies as an insured under Section ll - Who ls An lnsured. F. ateitxel ADDtTtoNAL tNsuRED_ PERSONS OR ORGANIZATIONS FOR YOUR ONGOING OPERATIONS AS REQUIRED BY WRITTEN CONTRACT OR AGREEMENT The following is added to SECnON tt - WHO tS AN INSUREO: Any person or organization that is not otherwise an insured under this Coverage Pan and that you have agreed in a written conlract or agreemenl lo include as an additional insured on this Coverage Part is an insured, but only with respect to liability for "bodily injury' or "property damage' that: a, Occurs subsequent lo the signing of that conlract or agreemenu and b. ls caused, in whole or in pan, by your acts or omissions in the pe,formance of your ongoing operations to which that conlract or Page 2 of 5 O 2017 fhc T,rvalart lndamnlty Company, Al dglir rc,arvad. lrchrdar copydghtcd rn tc.ial ot l.ru,rnca Scrv'rc.. Of,lcr,lnc, wilh tta Dsrnbrbn. cG D{ 17 02 19 agreement applies or the acts or omissions ofany pe6on or organization performing suchop€rations on your behalr. The limits of insurance provided to such insuredwill be the minimum limils that you agreed toprovide in the wfilten contract or-agree-menl, orthe limits shown in the Declarationi, whichever are less. G. ATANKET ADDITIONAL INSURED - BROAD FORM VENDORS The following is added ro sEcTtoN lt _ wHo !sAN INSURED: Any person or organization that is a vendor andthat you have agreed in a written contracl oragreement to include as an additional insured onthis Coverage .Part is an insured, but only withrespect.to. liability for ,bodily injury. o, ,propeny oamage" that: a. Occurs subsequent to the signing of that contract or agreement; and b. Arises out of ',your products,, that aredistributed or sold in the regular course ofsuch vendor's business. The insutance provided to such yendor is subjectto the following provisions: a, The limits of insurance provided to suchvendor will be the minimum limits that you agreed to provide in the wriuen contraci oragreement, or the limits shown in theDeclarations, whichever are less. b. The insurance provided to such vendor does not apply to: (1) Any express warranly not authorized byyou or any distribution or sale lor apurpose not authorized by you; (2) Any change in ',your products' made by such vendor; (3) Repackaging, unless unpacked solely for the purpose of inspection, demonstraiion, testing,.or the substitution o, parts underinstructions from the manufacturer, andthen repackaged in the originalcontainer; (4) Any failure to make such insp€ctions,adjustments, tests or servi;ing asvendors agree to pedorm or noimallyundertake. to perform in the regular course of business, in connection witf, thedist.ibrrtion o, sale of ,,your products,,; (5) Oemonslration. installation, servicing orrepair operations, ex.ept such op€rations performed at such vendo/s premases inconneciion with the sale of ,,your products'i or (6) "Your products" that, after distribution orsale by you, have been labeled orrelabeled or used as a container, part oringredient of any other thing or subitance by or on behalf of such vendor_ Coverage under this provision does not apply to: a, Any pe.son or organization from whom vouhave acquired 'your products.. or anvingredient, parl or container entering intd.accompanying or containing such pr6Oucts: or b, Any vendor for which coverage as anadditional insured specifically is scieduled byenoorsement- BLANKET AOD]TIONAL INSUREO CONTROLLING INTEREST 1. The following is added to SECTTON [ _ WHO IS AN INSURED: Any person or organization that has flnancial go_nlqol 9f you is an insured with respect toliabiliry for "bodily injury,,, "property dimage;or "personal and advertising iniury', lhat ari;s out of: a, Such financial control: or b. Such person,s or organization,sownership. maintenance or use ofpremises leased to or occupied by you. The insurance provided to such person ororganization does not appv to structuralatteralions, new construction or demolitionoperations performed by or on behalf of suchperson or organization. 2. The following is added to paragraph 4. ofSECTION II - WHO IS AN INSURED: This . paragraph does not apply to anypremises owner, manager or lessor that haifinancial control of you. BLANKET ADDITIONAL INSURED MORTGAGEES, ASSIGNEES, SUCCESSORS OR RECEIVERS The follo,ving is added to SECTTON ll _ WHO tSAN INSURED: Any person or organization that is a ,norfgagee,assrgnee. successor or receiver and that youhave agreed in a wrilten contract or agreemerit toinclude as an addrtional insured on this Cor"r"g;Part is an insured. but only with respect ao t; COMMERCIAL GENERAL LIABILIry H CG D4 17 02 19 O 2017_ThG Trlrcbrr lndcmoity Company. AI righlt rolervcd.roc.rudar copr.ightod mrreriar or ln!ur.n; s6rrtt'olr,ca:ni. *itt iiipcrmirrion.Page 3 of 5 COMMERCIAL GENERAL LIABI LITY liability as mortgagee, assignee, successor or receiver for .bodily injury", "property damage" or 'personal and advenising injury" thal: a. ls "bodily injury" or "property damage" that occurs, or is "personal and adverlising injury" caused by an offense that is committed. subsequenl to the signing of thal contract or agreemenl; and b. Arises out d lhe ownership, maintenance or use of the premises for which that mortgagee, assignee, successor or receiver is required under that contracl or agreement to be included as an additional insured on this Coverage Part. The insurance provided to such mortgagee, assignee, strcessor or receiver is subjecl lo lhe following provisions: .. The limils of insurance provided to such mortgagee, assignee, successor or receiver will be the minimurn limits that you agreed to provide in the wrilten contracl o( agreement,or the limits shown in the Declarations, whichever are less. b. The insurance provided to such person or organization does not apply to: (1) Any "bodily iniury" or "prope(y damage"thal occurs. or any "personal and advertising injury" caused by an oflense lhat is committed, after such contract or agreement is no longer in effect; or (2) Any "bodily injury'', 'property damage" or "personal and advenising injury" arising out of any structural alteralions, new conslruction or demolition operations pe.formed by or on behalf of such morlgagee, assignee, successor or receiver. J. BLANKET ADDITIONAL INSURED GOVERNMENTAL ENTITIES - PERMITS OR AUTHORIZATIONS RELATING TO PREtt,IISES The following is added to SECTION ll - WHO lS AN INSURED: Any governmenlal entity that has issued a permit or aulho.ization with respect Uc premises owned or occupied by, or rented or loaned lo, you and thal you are required by any ordinance, law, building code or written conlract or agreement to Include as an additional insured on this Coverage Part is an insured, but only with respect to liability for "bodily injury". "property damage" or "pe.sonaland advertising injury" arising out of the exislence. ownership, use, maintenance, repair, construction, e.eclion or removal ol any of lhe following for which that govemmental entity has issued such permil o. authorhation: advertising signs, awnings, canopies, cellar entrances, coal holes, driveways, manholes, marguees, hcist away openings, sidewalk vaults, elevators, slreet banners or decotations. K. BI-ANXET ADDITIONAL INSURED GOVERNMENTAL ENTIIES - PER]IIITS OR AUTHORIZATIONS RELANNG TO OPER. ATIONS The following is added lo SECTION ll - WHO E AIII INSURED: Any governmental entity that has issued a permitor aulhorization with respect to operalions performed by you or on your behall and that you are required by any ordinance, law, building codes waitlen conlract o. agreement to include as an additional insured on this Coverage Part is an insured, but only with respect to liability for "bodilyinjury", "property damage" o. "personal and advertising inju4/ arising out of such operations. The insurance provided lo such governmenlal enthy does not apply to: a. Any "bodily injury", "property damage' or "personal and advertising iniury' arising out of operations performed ,or the governmental enlity; or b. Any "bodily iniury" or "property damage"included in the "products.completed operalions hazard, L. MEDICAL PAYMENTS - INCREASED LIMIT The following replaces Paragraph 7, of SECTTON III - LIMITS OF INSURANCE: 7. Subiect to Paragraph 5, above, the Medical Expense Limit is the most we will pay under Coverage C for all medical expenses becauseot 'bodily injury" sustained by any one person, and will be the higher of: a. 910,000: or b. The amounl shown in the Declarations of this Coverage Pan for Medical Expense Limit. M. BLANKET WAIVER OF SUBROGATION The following is added to Paragraph 8,, Transfcr Ot Rlghtr Of Rccovcry Against Olhcrs To Us, o, SECTION IV - COMMERCIAL GENERAL UABILITY CONOITIONS:ll the insured has agreed in a contract d agreemenl to waive lhat insured's right c, recovery against any person or organizalion, ne Page 4 of 5 O 201? Tha Tnvlltn lodaMily Coftr.ny. AI dghtr rclarv.d. lncludcr coprrigrlcd n'rrLri.l ol lnlurmc. Sarviscr Olfcc, lns. with lr Fmilrio.t cG Da 17 02 19 waive our right of recovery against such person or organization, but only for payments we make because of: a. "Aodily injur/ or "prope(y damage,' that occur9; or b. "Personal and advertising injury' caused by an otfense that is committedl subsequent to the execution of the contract or agreement. N, CONTRACTUAL LIABILITY - RAILROADS 1. The following replaces paragraph c. of thedefinition of ',insured contract" in the DEFIN|TIONS Section: c. Any easement or license agreement; 2. Paragraph f.(1) of the delinition ol "insured contracl" in the DEFINITIONS Secrion isdeleted. DAMAGE TO PREMISES RENTEO TO YOU The following replaces the definition of ,,premises damage" in the DEF|NInONS Section: "Premises damage' means ,,property damage. to: a. Any premises while reoted to you orlemporarily occupied by you with permission ol the owner: or b. The contents ol any prembes while suchpremises is rented to you, if you rent suchpremises for a period of seven or fewer consecutive days. COMMERCIAL GENERAL LIABILIry o cG Dtt 17 02 19 O mt7 Thr Travdcr! tnd?mnity Compuy. A[ rEht3 rc&rvod.Includcs copyri9hl.d mrt3rht ot lnaunncs S.rvjccr'Olfica-lnc with itr r,€ImBtion Page 5 of 5 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Policy Number: 72 WEC 2X9262 Endorsement Number: Effective Date: 06123121 Effective hour is the same as stated on the lnformation Page of the policy N a m ed I n s u re d a n d Ad d re s s : tBY ?iT EIff^. Xi?sssrs o L u rr o N s L LC ANAHEIM CA 92807 We have the right to recover our payments from anyone liable for an injury covered by this policy. We will not enforce our right against the person or organjzation named in the Schedule. (This agreement applies only to the extent that you perform work under a written contract that requires you to obtain this agreement from us.) You must maintain payroll records accurately segregating the remuneration of your employees while engaged in the work described in the Schedule The additional premium for this endorsement shall be 2 % of the California workers' compensation premium otherwise due on such remuneration. SCHEDULE Person or Organization Job Description Any person or organization from whom you are required by written contract or agreement to obtain this waiver of rights from us Countersigned by Authorized Representative Form WC 04 03 06 Process Date:05/14l21 (1) Printed in U.S.A Policy Expiration Dalei 06123122 'tr- WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT - CALIFORNIA tr THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NOTICE OF CANCELLATION TO CERTTFICATE HOLDER(S) Policy Number: 72 WEC 2X9262 Endorsement Number: Effective Oale: 06123121 Effective hour is the same as stated on the lnformation Page of the policy Named rnsured and Address: ,i,r:r^Y}:.tit"Iffiit"ttt ?1'r'lrroNs LLC This policy is subject to the following additional Conditions: A. lf this policy is cancelled by the Company, other thanfor non-payment of premium, notice of such cancellation will be provided at least thirty (30) days in advance of the cancellation effective date to the certificate holde(s) with mailing addresses on file with the agent of record or the Company. B. lf this policy is cancelled by the Company for non-payment of premium, or by the insured, notice of such cancellation will be provided within ten (10) days of the cancellation effectave date to the certificate holde(s) with mailing addresses on file with the agent of record or the Company. lf notice is mailed, proof of mailing to the last known mailing address of the certificate holde(s) on file with the agent of record or the Company will be sufficient proof of notice. Any notification rights provided by this endorsement apply only to active certificate holde(s) who were issued a certificate of insurance applicable to this policy's term. Failure to provide such notice to the certificate holde(s) will not amend or extend the date the cancellation becomes effective, nor will it negate cancellation of the policy. Failure to send notice shall impose no liability ofany kind upon the Company or its agents or representatives. Form WC 99 03 94 Printed in U.S.A Process Date: 05i 14l21 O 201 1, The Hartford Policy Expiration Date'. 04123122