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HomeMy WebLinkAboutInsurance Certificate: Sandler SAND02C OP ID: CDL ~R~f CERTIFICATE OF LIABILITY INSURANCE DATE(MMIDD/YYYY) 09/22/2015 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER NAM CONTACTE - ; Cathy Damstra-Lepley, CIC United Risk Solutions, Inc. PHONE 541-494-7725 nlc, No : 541-245-1112 PO Box 936 (A/C, N° EXt): - Medford, OR 97501-0067 AE-MAIL DDRESS: linda.lane@unitedrisk.com INSURER(S) AFFORDING COVERAGE _ NAIC # _ INSURERA:The Cincinnati Insurance 10677 INSURED Allan Frank Sandier & INSURERB: Sallie Rose Sandler INSURER C PO Box 306 Ashland, OR 97520 INSURER D : _ INSURER E : _ - INSURER F : COVERAGES CERTIFICATE NUMBER: REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR ADDL SUBR' POLICY EFF POLICY EXP LTR TYPE OF INSURANCE POLICY NUMBER MM/DDIYYYY MM/DDIYYYY LIMITS A X I COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $ _ 1,000,000 DAMA E T RENTED CT _I CLAIMS-MADE OCCUR X ICAP5221546 f 06/11/2015 06111/2016 PREMISES Ea occurrence _ 500,00 ~ MED EXP (Any one person) 10,00 PERSONAL & ADV INJURY $ 1,000,000 GEN'L AGGREGATE LIMIT APPLIES PER'. GENERAL AGGREGATE$ - 2 000+000 PRO- PRODUCTS - COMPIOPAGG $ 2,000,00 X POLICY LOC OTHER: $ COMBINED SINGLE LIMIT $ AUTOMOBILE LIABILITY Ea accident ANY AUTO BODILY INJURY (Per person)) ALL OWNED r SCHEDULED BODILY INJURY (Per accident) $ AUTOS I- AUTOS ERTY DAMAGE NON-OWNED Per P paccident HIRED AUTOS AUTOS $ UMBRELLA LIAB OCCUR EACH OCCURRENCE. $ _ E $ _ ~ . EXCESS LIAB CLAIMS-MADEAGGREGATE DED RETENTION $ $ STATUTE_ COMPENSATION 1 WORKERS ,N/A. IPER OTH- AND EMPLOYERS' LIABILITY E.L EACH ACCT ER _ ANY PROPRIETOR/PARTNER/EXECUTIVE ❑ DENT _ - OFFICER/MEMBER EXCLUDED? it PLOYEE, $ - EA EM Y (Mandatory in NH E DISEASE ) If yes. des~riLe under DESCRIPTION OF OPERATIONS below E.L. DISEASE -POLICY LIMIT $ I i DESCRIPTION OF OPERATIONS / LOCATIONS I VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) Re: Airspace License General liability additional insured coverage is included when required by a written contract subject to policy form, GA210,02/07. All coverage is subject to policy terms, conditions and exclusions. CERTIFICATE HOLDER CANCELLATION CITAS03 SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN City of Ashland ACCORDANCE WITH THE POLICY PROVISIONS. its, officers, employees and agents AUTHORIZED REPRESENTATIVE 20 E. Main St. Ashland, OR 97520-1814 © 1988-2014 ACORD CORPORATION. All rights reserved. ACORD 25 (2014/01) The ACORD name and logo are registered marks of ACORD THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COMMERCIAL GENERAL LIABILITY BROADENED ENDORSEMENT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Endorsement - Table of Contents: Coverage: Begins on Page. 1. Employee Benefit Liability Coverage .................................................................................................2 2. Unintentional Failure to Disclose Hazards .........................................................................................7 3. Damage to Premises Rented to You 7 4. Supplementary Payments ..................................................................................................................9 5. Medical Payments ..............................................................................................................................9 6. 180 Day Coverage for Newly Formed or Acquired Organizations .....................................................9 7. Waiver of Subrogation .......................................................................................................................9 8. Automatic Additional Insured - Specified Relationships: .................................................................9 • Managers or Lessors of Premises; • Lessor of Leased Equipment; • Vendors; and • State or Political Subdivisions - Permits Relating to Premises 9. Property Damage to Borrowed Equipment ......................................................................................12 10. Employees as Insureds - Specified Health Care Services: 12 • Nurses; • Emergency Medical Technicians; and • Paramedics 11. Broadened Notice of Occurrence ....................................................................................................12 B. Limits of Insurance: The Commercial General Liability Limits of Insurance apply to the insurance provided by this endorse- ment, except as provided below: 1. Employee Benefit Liability Coverage Each Employee Limit: $ 1,000,000 Aggregate Limit: $ 3,000,000 Deductible: $ 1,000 3. Damage to Premises Rented to You The lesser of: a. The Each Occurrence Limit shown in the Declarations; or b. $500,000 unless otherwise stated $ 4. Supplementary Payments a. Bail bonds: $ 1,000 b. Loss of earnings: $ 350 5. Medical Payments Medical Expense Limit: $ 10,000 9. Property Damage to Borrowed Equipment Each Occurrence Limit: $ 10,000 Deductible: $ 250 GA 210 02 07 Page 1 of 12 a) You did not have C. Coverages knowledge of a 1. Employee Benefit Liability Coverage claim or "suit" on or before the effective a. The following is added to SECTION I date of this en- - COVERAGES: Employee Benefit dorsement. Liability Coverage. You will be (1) Insuring Agreement deemed to have knowledge of a (a) We will pay those sums that claim or "suit" the insured becomes legally when any "author- obligated to pay as dam- ized representa- ages caused by any act, er- tive"; ror or omission of the in- sured, or of any other per- i) Reports all, or son for whose acts the in- any part, of the sured is legally liable, to act, error or which this insurance applies. omission to us We will have the right and or any other duty to defend the insured insurer; against any "suit" seeking those damages. However, ii) Receives a we will have no duty to de- written or ver- fend against any "suit" seek- bal demand or ing damages to which this claim for dam- insurance does not apply. ages because We may, at our discretion, of the act, er- investigate any report of an ror or omis- act, error or omission and sion; and settle any claim or "suit" that may result. But: b) There is no other applicable insur- 1) The amount we will pay ance. for damages is limited as described in SEC- (2) Exclusions TION III - LIMITS OF This insurance does not apply to: INSURANCE; and 2) Our right and duty to (a) Bodily Injury, Property defend ends when we Damage or Personal and have used up the appli- Advertising Injury cable limit of insurance "Bodily injury", "property in the payment of judg- damage" or "personal and ments or settlements. advertising injury". No other obligation or liabil- (b) Dishonest, Fraudulent, ity to pay sums or perform Criminal or Malicious Act acts or services is covered unless explicitly provided for Damages arising out of any under Supplementary Pay- intentional, dishonest, ments. fraudulent, criminal or mali- cious act, error or omission, (b) This insurance applies to committed by any insured, damages only if the act, er- including the willful or reck- ror or omission, is negli- less violation of any statute. gently committed in the "administration" of your "em- (c) Failure to Perform a Con- ployee benefit program"; tract and Damages arising out of fail- Occurs during the policy ure of performance of con- period; or tract by any insurer. 2) Occurred prior to the ef- (d) Insufficiency of Funds fective date of this en- dorsement provided: Damages arising out of an insufficiency of funds to GA 210 02 07 Page 2 of 12 meet any obligations under (j) Employment-Related Prac- any plan included in the tices employee benefit program". Any liability arising out of (e) Inadequacy of Perfonn- any: ance of Investment / Ad- vice Given With Respect (1) Refusal to employ; to Participation (2) Termination of employ- Any claim based upon: ment; 1) Failure of any invest- (3) Coercion, demotion, ment to perforrn; evaluation, reassign- ment, discipline, defa- 2) Errors in providing in- mation, harassment, formation on past per- humiliation, discrimina- formance of investment tion or other employ- vehicles; or ment-related practices, acts or omissions; or 3) Advice given to any person with respect to (4) Consequential liability that person's decision to as a result of (1), (2) or participate or not to par- (3) above. ticipate in any plan in- cluded in the "employee This exclusion applies benefit program". whether the insured may be held liable as an employer (f) Workers' Compensation or in any other capacity and and Similar Laws to any obligation to share Any claim arising out of your damages with or repay someone else who must pay failure to comply with the damages because of the in- mandatory provisions of any jury workers' compensation, un- employment compensation (3) Supplementary Payments insurance, social security or disability benefits law or any SECTION I - COVERAGES, similar law. SUPPLEMENTARY PAYMENTS - COVERAGES A AND B also (g) ERISA apply to this Coverage. Damages for which any in- b. Who is an Insured sured is liable because of li- ability imposed on a fidud- As respects Employee Benefit Liabil- ary by the Employee Re- ity Coverage, SECTION II - WHO IS tirement Income Security AN INSURED is deleted in its entirety Act of 1974, as now or and replaced by the following: hereafter amended, or by (1) If you are designated in the Dec- any similar federal, state or larations as: local laws. (h) Available Benefits (a) An individual, you and your spouse are insureds, but Any claim for benefits to the only with respect to the con- extent that such benefits are duct of a business of which available, with reasonable you are the sole owner. effort and cooperation of the insured, from the applicable t (b) partnership or joint en- ure, you are an insured. funds accrued or other col- Your members, your part- lectible insurance. ners, and their spouses are (1) Taxes, Fines or Penalties also insureds but only with respect to the conduct of Taxes, fines or penalties, in- your business. cluding those imposed un- der the Internal Revenue (c) A limited liability company, Code or any similar state or you are an insured. Your local law. members are also insureds, but only with respect to the conduct of your business. GA 210 02 07 Page 3 of 12 Your managers are insur- quired or formed the organi- eds, but only with respect to zation. their duties as your manag- c. Limits of Insurance ers. (d) An organization other than a As respects Employee Benefit Liabil- partnership, joint venture or ity Coverage, SECTION III - LIMITS limited liability company, you OF INSURANCE is deleted in its en- are an insured. Your "ex- tirety and replaced by the following: ecutive officers" and direc- (1) The Limits of Insurance shown in tors are insureds, but only Section B. Limits of Insurance, with respect to their duties 1. Employee Benefit Liability as your officers or directors. Coverage and the rules below fix Your stockholders are also the most we will pay regardless insureds, but only with re- of the number of spect to their liability as stockholders. (a) Insureds; (e) A trust, you are an insured. (b) Claims made or "suits" Your trustees are also in- brought; sureds, but only with respect to their duties as trustees. (c) Persons or organizations making daims or bringing (2) Each of the following is also an "suits"; insured: (d) Acts, errors or omissions; or (a) Each of your "employees" who is or was authorized to (e) Benefits included in your administer your "employee "employee benefit program". benefit program". (2) The Aggregate Limit shown in (b) Any persons, organizations Section B. Limits of Insurance, or "employees" having 1. Employee Benefit Liability proper temporary authoriza- Coverage of this endorsement is tion to administer your "em- the most we will pay for all dam- ployee benefit program" if ages because of acts, errors or you die, but only until your omissions negligently committed legal representative is ap- in the "administration" of your pointed. "employee benefit program". (c) Your legal representative if (3) Subject to the limit described in you die, but only with re- (2) above, the Each Employee spect to duties as such. Limit shown in Section B. Limits That representative will have of Insurance, 1. Employee all your rights and duties Benefit Liability Coverage of under this Coverage Part. this endorsement is the most we will pay for all damages sus- (3) Any organization you newly ac- tained by any one "employee", quire or form, other than a part- including damages sustained by nership, joint venture or limited such "employee's" dependents liability company, and over which and beneficiaries, as a result of you maintain ownership or major- ity interest, will qualify as a (a) An act, error or omission; or Named Insured if no other similar (b) A series of related acts, er- insurance applies to that organi- rors or omissions, regard- zation. However, coverage un- less of the amount of time der this provision: that lapses between such (a) Is afforded only until the acts, errors or omissions, 180th day after you acquire negligently committed in the or form the organization or "administration" of your "em- the end of the policy period, ployee benefit program". whichever is earlier; and (b) Does not apply to any act, However, the amount paid under error or omission that was this endorsement shall not ex- committed before you ac- ceed, and will be subject to the limits and restrictions that apply to the payment of benefits in any GA 210 02 07 Page 4 of 12 plan included in the "employee 2. Duties in the Event of an benefit program". Act, Error or Omission, or (4) Deductible Amount Claim or Suit (a) Our obligation to pay dam- a. You must see to it that we are notified as soon ages on behalf of the in- as practicable of an act, sured applies only to the error or omission which amount of damages in ex- in a daim. cess of the deductible may result To the extent possible, amount stated in the Decla- notice should include: rations as applicable to Each Employee. The limits (1) What the act, error of insurance shall not be re- or omission was duced by the amount of this and when it oc- deductible. curred; and (b) The deductible amount (2) The names and stated in the Declarations addresses of any- applies to all damages sus- one who may suf- tained by any one "em- fer damages as a ployee", including such "em- result of the act, ployee's" dependents and error or omission. beneficiaries, because of all acts, errors or omissions to b. If a daim is made or which this insurance applies. "suit" is brought against (c) The terms of this insurance, any insured, you must: including those with respect (1) Immediately record to: the specifics of the claim or "suit" and 1) Our right and duty to the date received; defend the insured and against any "suits" seeking those dam- (2) Notify us as soon ages; and as practicable. 2) Your duties, and the du- You must see to it that ties of any other in- we receive written no- volved insured, in the tice of the daim or "suit" event of an act, error or as soon as practicable. omission, or claim, c. You and any other in- apply irrespective of the ap- volved insured must: plication of the deductible (1) Immediately send amount. us copies of any (d) We may pay any part or all demands, notices, of the deductible amount to summonses or le- effect settlement of any gal papers re- claim or "suit" and, upon no- ceived in connec- tification of the action taken, tion with the daim you shall promptly reim- or "suit"; burse us for such part of the (2) Authorize us to ob- deductible amount as we tain records and have paid. other information; d. Additional Conditions (3) Cooperate with us As respects Employee Benefit Li- in the investigation ability Coverage, SECTION IV - or settlement of the COMMERCIAL GENERAL LIABIL- claim or defense ITY CONDITIONS is amended as fol- against the "suit"; lows: and (1) Item 2. Duties in the Event of (4) Assist us, upon our Occurrence, Offense, Claim or request, in the en- Suit is deleted in its entirety and forcement of any replaced by the following: right against any GA 210 02 07 Page 5 of 12 person or organi- limit of insurance to the zation which may total applicable limits of be liable to the in- insurance of all insur- sured because of ers. an act, error or omission to which c. No Coverage this insurance may This insurance shall not also apply. cover any loss for which d. No insured will, except the insured is entitled to at that insured's own recovery under any cost, voluntarily make a other insurance in force payment, assume any previous to the effective obligation, or incur any date of this Coverage expense without our Part. consent. e. Additional Definitions (2) Item 5. Other Insurance is de- As respects Employee Benefit Li- leted in its entirety and replaced ability Coverage, SECTION V - by the following: DEFINITIONS is amended as follows: 5. Other Insurance (1) The following definitions are If other valid and collectible added: insurance is available to the 1. "Administration" means: insured for a loss we cover under this Coverage Part, a. Providing information to our obligations are limited as "employees", including follows: their dependents and beneficiaries, with re- a. Primary Insurance spect to eligibility for or This insurance is pri- scope of "employee mary except when c. benefit programs"; below applies. If this b. Interpreting the "em- insurance is primary, ployee benefit pro- our obligations are not grams"; affected unless any of the other insurance is c. Handling records in also primary. Then, we connection with the will share with all that "employee benefit pro- other insurance by the grams"; or method described in b. below. d. Effecting, continuing or terminating any "em- b. Method of Sharing ployee's" participation in any benefit included in If all of the other insur- the "employee benefit ance permits contribu- program". tion by equal shares, we will follow this However, "administration" method also. Under does not include: this approach each in- surer contributes equal a. Handling payroll deduc- amounts until it has tions; or paid its applicable limit b. The failure to effect or of insurance or none of maintain any insurance the loss remains, or adequate limits of whichever comes first. coverage of insurance, If any of the other in- including but not limited suranoe does not permit to unemployment insur- contribution by equal ance, social security shares, we will contrib- benefits, workers' com- ute by limits. Under this pensation and disability method, each insurer's benefits. share is based on the 2. "Cafeteria plans" means ratio of its applicable plans authorized by applica- GA 210 02 07 Page 6 of 12 ble law to allow "employees" insurance applies are al- to elect to pay for certain leged. "Suit" includes: benefits with pre-tax dollars. a. An arbitration proceed- 3. "Employee benefit pro- ing in which such dam- grams" means a program ages are claimed and to providing some or all of the which the insured must following benefits to "em- submit or does submit ployees", whether provided with our consent; through a "cafeteria plan" or otherwise: b. Any other alternative dispute resolution pro- a. Group life insurance; ceeding in which such group accident or health damages are claimed insurance; dental, vision and to which the in- and hearing plans; and sured submits with our flexible spending ac- consent; or counts; provided that no one other than an "em- c. An appeal of a civil pro- ployee" may subscribe ceeding. to such benefits and g, "Employee" means a person such benefits are made actively employed, formerly generally available to employed, on leave of ab- those "employees" who sence or disabled, or retired. satisfy the plan's eligibil- Employee" includes a ity requirements; "leased worker". "Em- b. Profit sharing plans, ployee" does not include a employee savings "temporary worker". plans, employee stock 2. Unintentional Failure to Disclose Haz- ownership plans, pen- ards sion plans and stock subscription plans, pro- SECTION IV - COMMERCIAL GENERAL vided that no one other LIABILITY CONDITIONS, 7. Representa- than an "employee" tions is hereby amended by the addition may subscribe to such of the following: benefits and such bene- fits are made generally Based on our dependence upon your rep- available to all "employ- resentations as to existing hazards, if un- ees" who are eligible intentionally you should fail to disclose all under the plan for such such hazards at the inception date of your benefits; policy, we will not reject coverage under this Coverage Part based solely on such c. Unemployment insur- failure. ance, social security benefits, workers' com- 3. Damage to Premises Rented to You pensation and disability a. The last Subparagraph of SECTION benefits; and - COVERAGES, COVERAGE A. d. Vacation plans, includ- BODILY INJURY AND PROPERTY ing buy and sell pro- DAMAGE LIABILITY, 2. Exclusions grams; leave of ab- is hereby deleted and replaced by the sence programs, includ- following: ing military, maternity, family, and civil leave; Exclusions c. through q, do not apply tuition assistance plans; to damage by fire, explosion, light- transportation and ning, smoke or soot to premises while health club subsidies. rented to you or temporarily occupied by you with permission of the owner. (2) The following definitions are de- leted in their entirety and re- b. The insurance provided under SEC- placed by the following: TION I - COVERAGES, COVERAGE A. BODILY INJURY AND PROP- 21. "Suit" means a civil proceed- ERTY DAMAGE LIABILITY applies ing in which money dam- to "property damage" arising out of ages because of an act, er- water damage to premises that are ror or omission to which this both rented to and occupied by you. GA 210 02 07 Page 7 of 12 (1) As respects Water Damage Le- flowing or seeping gal Liability, as provided in Para- through: graph 3.b. above: a) Foundations, walls, The exclusions under SECTION I floors or paved - COVERAGES, COVERAGE A. surfaces; BODILY INJURY AND PROP- b) Basements, ERTY DAMAGE LIABILITY, 2. whether paved or Exclusions, other than i. War not; or and the Nuclear Energy Liabil- ity Exclusion, are deleted and c) Doors, windows or the following are added: other openings. This insurance does not apply to: (c) Loss caused by or resulting (a) "Property damage": from water that leaks or flows from plumbing, heat- 1) Assumed in any con- ing, air conditioning, or fire tract; or protection systems caused by or resulting from freezing, 2) Loss caused by or re- unless: sulting from any of the following: 1) You did your best to maintain heat in the a) Wear and tear; building or structure; or b) Rust, corrosion, 2) You drained the equip- fungus, decay, de- ment and shut off the terioration, hidden water supply if the heat or latent defect or was not maintained. any quality in prop- erty that causes it (d) Loss to or damage to: to damage or de- stroy itself; 1) Plumbing, heating, air conditioning, fire protec- t) Smog; tion systems, or other equipment or appli- d) Mechanical break- antes; or down including rupture or bursting 2) The interior of any caused by cen- building or structure, or trifugal force; to personal property in the building or structure e) Settling, cracking, caused by or resulting shrinking or ex- from rain, snow, sleet or pansion; or ice, whether driven by f) Nesting or infesta- wind or not. tion, or discharge c. Limit of Insurance or release of waste products or secre- The Damage to Premises Rented to tions, by insects, You Limit as shown in the Declara- birds, rodents or tions is amended as follows: other animals. (2) Paragraph 6. of SECTION III - (b) Loss caused directly or indi- LIMITS OF INSURANCE is rectly by any of the follow- hereby deleted and replaced by ing: the following: 1) Earthquake, volcanic 6. Subject to 5. above, the eruption, landslide or Damage to Premises any other earth move- Rented to You Limit is the ment; most we will pay under COVERAGE A. BODILY 2) Water that backs up or INJURY AND PROPERTY overflows from a sewer, DAMAGE LIABILITY for drain or sump; damages because of "prop- 3) Water under the ground erty damage" to premises surface pressing on, or while rented to you or tem- porarily occupied by you GA 210 02 07 Page 8 of 12 with permission of the 7. Waiver of Subrogation owner, arising out of any one "occurrence" to which SECTION IV - COMMERCIAL GENERAL this insurance applies. LIABILITY CONDITIONS, 9. Transfer of Rights of Recovery Against Others to (3) The amount we will pay is limited Us is hereby amended by the addition of as described in Section B. Lim- the following: its of Insurance, 3. Damage to Premises Rented to You of this We waive any right of recovery we may endorsement. have because of payments we make for injury or damage arising out of your ongo- 4. Supplementary Payments ing operations or "your work" done under Under SECTION I -COVERAGE, SUP- a written contract requiring such waiver PLEMENTARY PAYMENTS - COVER- with that person or organization and in- AGES AAND B: cluded in the "products-completed opera- tions hazard". However, our rights may a. Paragraph 2. is replaced by the fol- only be waived prior to the "occurrence" lowing: giving rise to the injury or damage for which we make payment under this Cov- Up to the limit shown in Section B. erage Part. The insured must do nothing Limits of Insurance, 4.a. Bail Bonds after a loss to impair our rights. At our re- of this endorsement for cost of bail quest, the insured will bring "suit" or trans- bonds required because of accidents fer those rights to us and help us enforce or traffic law violations arising out of those rights. the use of any vehicle to which the Bodily Injury Liability Coverage ap- 8. Automatic Additional Insured - Speck plies. We do not have to furnish fied Relationships these bonds. a. The following is hereby added to b. Paragraph 4. is replaced by the fol- SECTION If -WHO IS AN INSURED: lowing: (1) Any person or organization de- All reasonable expenses incurred by scribed in Paragraph 8.a.(2) be- the insured at our request to assist us low (hereinafter referred to as in the investigation or defense of the additional insured) whom you are claim or "suit", including actual loss of required to add as an additional earnings up to the limit shown in Sec- insured under this Coverage Part tion B. Limits of Insurance, 4.b. by reason of Loss of Earnings of this endorsement (a) A written contract or agree- per day because of time off from ment; or work. 5. Medical Payments (b) An oral agreement or con- tract where a certificate of The Medical Expense Limit of Any One insurance showing that per- Person as stated in the Declarations is son or organization as an amended to the limit shown in Section B. additional insured has been Limits of Insurance, 5. Medical Pay- issued, ment of this endorsement. is an insured, provided: 6. 180 Day Coverage for Newly Forted or (a) The written or oral contract Acquired Organizations or agreement is: SECTION II - WHO IS AN INSURED is 1) Currently in effect or amended as follows: becomes effective dur- Subparagraph a. of Paragraph 4. is ing the policy period; hereby deleted and replaced by the fol- and lowing: 2) Executed prior to an a. Insurance under this provision is af- "occurrence" or offense forded only until the 180th day after to which this insurance you acquire or form the organization would apply; and or the end of the policy period, which- (b) They are not specifically ever is earlier; named as an additional in- sured under any other provi- sion of, or endorsement GA 210 02 07 Page 9 of 12 added to, this Coverage the following additional ex- Part. clusions: (2) Only the following persons or or- 1) The insurance afforded ganizations are additional insur- the vendor does not eds under this endorsement, and apply to: insuranoe coverage provided to such additional insureds is lim- a) "Bodily injury" or ited as provided herein: "property damage- for which the ven- (a) The manager or lessor of a dor is obligated to premises leased to you with pay damages by whom you have agreed per reason of the as- Paragraph 8.a.(1) above to sumption of liability provide insurance, but only in a contract or with respect to liability aris- agreement. This ing out of the ownership, exclusion does not maintenance or use of that apply to liability for part of a premises leased to damages that the you, subject to the following vendor would have additional exclusions: in the absence of the contract or This insurance does not ap- agreement; ply to: b) Any express war- 1) Any "occurrence" which ranty unauthorized takes place after you by you; cease to be a tenant in that premises. c) Any physical or chemical change in 2) Structural alterations, the product made new construction or intentionally by the demolition operations vendor; performed by or on be- half of such additional d) Repackaging, insured. unless unpacked solely for the pur- (b) Any person or organization pose of inspection, from which you lease demonstration, equipment with whom you testing, or the sub- have agreed per Paragraph stitution of parts 8.a.(1) above to provide in- under instructions surance. Such person(s) or from the manufac- organization(s) are insureds turer, and then re- solely with respect to their packaged in the liability arising out of the original container; maintenance, operation or use by you of equipment e) Any failure to make leased to you by such per- such inspections, son(s) or organization(s). adjustments, tests However, this insurance or servicing as the does not apply to any "oc- vendor has agreed currence" which takes place to make or nor- after the equipment lease mally undertakes expires. to make in the usual course of (c) Any person or organization business, in con- (referred to below as ven- nection with the dor) with whom you have distribution or sale agreed per Paragraph of the products; 8.a.(1) above to provide in- surance, but only with re- f) Demonstration, in- spect to "bodily injury" or stallation, servicing "property damage" arising or repair opera- out of "your products" which tions, except such are distributed or sold in the operations per- regular course of the ven- formed at the ven- dor's business, subject to dor's premises in GA 210 02 07 Page 10 of 12 connection with the 2) The construction, erec- sale of the product; tion, or removal of ele- vators; or g) Products which, af- ter distribution or 3) The ownership, mainte- sale by you, have nance, or use of any been labeled or re- elevators covered by labeled or used as this insurance. a container, part or ingredient of any (3) Any insurance provided to an other thing or sub- additional insured designated stance by or for the under Paragraph 8.a.(2) Sub- vendor. paragraphs (a), (b) and (d) does not apply to "bodily injury", 2) This insurance does not "property damage" or "personal apply to any insured and advertising injury" arising out person or organization: of the sole negligence or willful misconduct of the additional in- a) From whom you sured or their agents, "employ have acquired ees" or any other representative such products, of the additional insured. any ingredient, part rt or container, enter- b. SECTION IV - COMMERCIAL GEN- ing into, accompa- ERAL LIABILITY CONDITIONS is nying or containing hereby amended as follows: such products; or Condition 5. Other Insurance is b) When liability in- amended to include: cluded within the "products- (1) Where required by a written con- completed opera- tract or agreement, this insur- tions hazard" has ance is primary and / or noncon- been excluded un- tributory as respects any other der this Coverage insurance policy issued to the Part with respect to additional insured, and such such products. other insurance policy shall be excess and / or noncontributing, (d) Any state or political subdi- whichever applies, with this in- vision with which you have surance. agreed per Paragraph 8.a.(1) above to provide in- (2) Any insurance provided by this surance, subject to the fol- endorsement shall be primary to lowing additional provision: other insurance available to the additional insured except: This insurance applies only with respect to the following (a) As otherwise provided in hazards for which the state SECTION IV - COMMER- or political subdivision has CIAL GENERAL LIABILITY issued a permit in connec- CONDITIONS, 5. Other In- tion with premises you own, surance, b. Excess Insur- rent or control and to which ance; or this insurance applies: (b) For any other valid and col- 1) The existence, mainte- lectible insurance available nance, repair, construc- to the additional insured as tion, erection, or re- an additional insured by at- moval of advertising tachment of an endorsement signs, awnings, cano- to another insurance policy pies, cellar entrances, that is written on an excess coal holes, driveways, basis. In such case, the manholes, marquees, coverage provided under hoist away openings, this endorsement shall also sidewalk vaults, street be excess. banners, or decorations 9. Property Damage to Borrowed Equip- and similar exposures; ment or a. The following is hereby added to Ex- clusion j. Damage to Property of GA 210 02 07 Page 11 of 12 Paragraph 2., Exclusions of SEC- (b) SECTION IV - COMMER- TION I - COVERAGES, COVERAGE CIAL GENERAL LIABILITY A. BODILY INJURY AND PROP- CONDITIONS, 2. Duties in ERTY DAMAGE LIABILITY. the Event of Occurrence, (3) and (4) of this exclu- Offence, Claim or Suit, ap- Paragraphs plies to each claim or "suit" sion do not apply to tools or equip- irrespective of the amount. ment loaned to you, provided they are not being used to perform operations (c) We may pay any part or all at the time of loss. of the deductible amount to effect settlement of any b. With respect to the insurance pro- claim or "suit" and, upon no- vided by this section of the endorse- tification of the action taken, ment, the following additional provi- you shall promptly reim- sions apply: burse us for such part of the (1) The Limits of Insurance shown in deductible amount as has the Declarations are replaced by been paid by us. the limits designated in Section 10. Employees as Insureds - Specified B. Limits of Insurance, 9. Health Care Services Property Damage to Borrowed Equipment of this endorsement It is hereby agreed that Paragraph with respect to coverage pro- 2.a.(1)(d) of SECTION II - WHO IS AN vided by this endorsement. INSURED, does not apply to your "em- These limits are inclusive of and ployees" who provide professional health not in addition to the limits being care services on your behalf as duly li- replaced. The Limits of Insur- censed: ance shown in Section B. Limits of Insurance, 9. Property Dam- a. Nurses; age to Borrowed Equipment of b. Emergency Medical Technicians; or this endorsement fix the most we will pay in any one "occurrence" c. Paramedics, regardless of the number of: in the jurisdiction where an "occurrence" (a) Insureds; or offense to which this insurance applies (b) Claims made or "suits" takes place. brought; or 11. Broadened Notice of Occurrence (c) Persons or organizations Paragraph a. of SECTION IV - COM- making claims or bring MERCIAL GENERAL LIABILITY COW "suits". DITIONS, 2. Duties in the Event of Oc- currence, Offence, Claim or Suit is (t) Deductible hereby deleted and replaced by the fol- (a) Our obligation to pay dam- lowing: ages on your behalf applies a. You must see to it that we are notified only to the amount of dam- as soon as practicable of an "occur- ages for each "occurrence" rence" or an offense which may result which are in excess of the in a claim. To the extent possible, deductible amount stated in notice should include: Section B. Limits of Insur- ance, 9. Property Damage (1) How, when and where the "oc- to Borrowed Equipment of currence" or offense took place; this endorsement. The lim- its of insurance will not be (2) The names and addresses of reduced by the application any injured persons and wit- of such deductible amount. nesses; and (3) The nature and location of any injury or damage arising out of the "occurrence" or offense. This requirement applies only when the "occurrence" or offense is known to an "authorized representative". GA 210 02 07 Page 12 of 12