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HomeMy WebLinkAboutInsurance Certificate: Bumgardners Landscape Management Inc. i ® DATE (MM/DD/YYYY) A CERTIFICATE OF LIABILITY INSURANCE 3/14/2018 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 CONTACT NAME: Sheryl Wlrts Protectors Insurance, LLC PHONE FAX P.O. BOX 4669 (A/c, NQ_ Ext): (541)842-2968 (A/C, No): (541)772-1906 E-MAIL Medford OR 97504 AD6RESSSherYIA@,protectorsins.com - INSURER(S) AFFORDING COVERAGE NAIC f! _ INSURER A : Ohio Security Insurance 24082 - INSURED BUMGA-1 INSURER B : Ohio Casualty Insurance 24074 Bumgardners Landscape Management Inc 1750 Delta Waters Rd INSURER C : SAIF Corporation 524113 Suite 102, PMB 308 INSURER D: Medford OR 97504-1611 INSURER E: INSURER F : COVERAGES CERTIFICATE NUMBER: 24761059 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. ADDL'SU 1R POLICY EFF POLICY EXP INSR LTR TYPE OF INSURANCE POLICY NUMBER MM/DD/YYYV MM/DD/YYYY LIMITS A GENERAL LIABILITY Y N BKS54732181 1115/2018 111512019 EACH OCCURRENCE $ 1,000.000 _ DAMAGE TO RENTE X D COMMERCIAL GENERAL LIABILITY PREMISES Ea occurrence $ 1,000.000 _ CLAIMS-MADE a OCCUR MED EXP (Any one person) $ 15,000 _ J CT PERSONAL & ADV INJURY $ 1,000.000 GENERAL AGGREGATE $ 2,000,000 GENT AGGREGATE LIMIT APPLIES PER. PRODUCTS - COMP/OP AGG $ 2,000.000 X POLICY PRO- 71 LOC $ A AUTOMOBILE LIABILITY Y N i BAS55193881 1/15/2018 1/1512019 COMBINED SINGLE LIMIT - Ea accident $1,000,000 I X ' 1 ANY AUTO BODILY INJURY (Per person) $ ALL OWNED SCHEDULED AUTO S AUTOS BODILY INJURY (Per accident) $ ( - ~ NON-OWNED PROPERTY DAMAGE $ HIRED AUTOS AUTOS Per accident)_ r7 F ; I I - $ B X UMBRELLA LIAB X OCCUR j US054732181 111512018 1/1512019 EACH OCCURRENCE $ 1,0_00.000 EXCESS LIAB CLAIMS-MADE AGGREGATE i DED X RETENTION $ 10 000 $ C WORKERS COMPENSATION N 980528 4/1/2018 41112019 X WC STATU- 0TH-' AND EMPLOYERS' LIABILITY ER E.L. EACH ACCIDENT $ 1,000,000 ANY PROPRIETOR/PARTNER/EXECUTIVE YIN OFFICER/MEMBER EXCLUDED? ❑ N/A (Mandatory in NH) E.L. DISEASE - EA EMPLOYE $ 1,000,000 If yes, describe under DESCRIPTION OF OPERATIONS below E.L. DISEASE - POLICY LIMIT $1 000,000 I i I i DESCRIPTION OF OPERATIONS I LOCATIONS I VEHICLES (Attach ACORD 101, Additional Remarks Schedule, If more space is required) Landscaping Operations Additional insured per attached policy forms CA8810 for Auto and CG18810 for General Liability CERTIFICATE HOLDER CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. City of Ashland 20 E Main St Ashland OR 97520 AUTHORIZED REPRESENTATIVE © 1988-2010 ACORD CORPORATION. All rights reserved. ACORD 25 (2010105) The ACORD name and logo are registered marks of ACORD COMMERCIAL AUTO (2) If Lhe Limits of Insurance of any other insurance policy have been exhausted; or CA 88100110 (3) To "bodily injury" or 'property damage' that occurred before you acquired or formed the THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. organ¢a6m BUSINESS AUTO COVERAGE ENHANCEMENT ENDORSEMENT 2 EMPLOYEES AS INSUREDS SECTION II - LIABILITY COVERAGE, paragraph A.1. -WHO IS AN INSURED Is amended to include the following This endorsement modifies insurance provided under the following as an insured: f. Any -employee, of yours while using a covered 'W6* you do not own, hire or borrow but only for acts BUSINESS AUTO COVERAGE FORM within the scope of their employment by you. Insurance provided by this endorsement is excess over With respect to coverage afforded by this endorsement the provislons of the policy apply unless modified by the any other insurance avail able to any'employee'. endorsement g. An 'employee of yours while operating an 'auto' hired or borrowed under a written contract or agreement in that employee's' name, with your permission, while performing duties related to the COVERAGE INDEX conduct of your business and within the scope of their employment Insurance provided by this SUBJECT PROVISION NUMBER endorsement is excess over any other insurance available to me'erriployee'. 3. ADDITIONAL INSURED BY CONTRACT, AGREEMENT OR PERMIT ADDITIONAL INSURED BY CONTRACT, AGREEMENT OR PERMIT 3 ACCIDENTAL AIRBAG DEPLOYMENT 12 SECTION 11- LIABILITY COVERAGE, paragraph A.I. -WHO IS AN INSURED is amended to include the AMENDED DUTIES IN THE EVENT OF ACCIDENT, CLAIM, SUITOR LOSS 18 folkwdng as an insured: AMENDED FELLOW EMPLOYEE EXCLUSION 5 In. Arty person or organization with respect to the operation, malrdenance or use of a covered 'auto', AUDIO, VISUAL AND DATA ELECTRONIC EQUIPMENT COVERAGE 13 provided that you and such person or organization have agreed in a written contract, agreement, or BROAD FORM INSURED 1 pormit issued to you by goverrxrxxtta' or public authority, to add such person, or organization, or BODILY INJURY REDEFINED 21 govommental or public authority to this policy as on 'insured'. EMPLOYEES AS INSUREDS (including employee hired auto) 2 EXTENDED CANCELLATION CONDITION 22 However, such person or organization is an 'insured*: EXTRA EXPENSE - BROADENED COVERAGE 10 GLASS REPAIR -WAVER OF DEDUCTIBLE 15 (1) Only with respect to the operation, maintenance or use a covered' ; HIRED AUTO PHYSICAL DAMAGE(includi hired auto) 6 (2) exOnly for'bodily ecuted the injury' or'property a damage' caused by an "accident' b h takes place after you n9 employee rled ted the written contract ntract or or agreement or the permit it has has been en issued to you; and HIRED AUTO COVERAGE TERRITORY 20 LOAN I LEASE GAP 14 (3) Only for the ducat on at that contract, agreement or permit PARKED AUTO COLLISION COVERAGE (WAVER OF DEDUCTIBLE) 16 4. SUPPLEMENTARY PAYMENTS PERSONAL EFFECTS COVERAGE 11 PHYSICAL DAMAGE - ADDITIONAL TRANSPORTATION EXPENSE COVERAGE 8 SECTION 11- LIABILITY COVERAGE, Coverage Extensions, 2a. Supplementary Payments, paragraphs RENTAL REIMBURSEMENT 9 (2) and (4) are replaced by the fa'towing: SUPPLEMENTARY PAYMENTS 4 TOWING AND LABOR 7 (21 Up to 53,000 for cost of bail bonds (including bonds for related traffic violations) required because of UNINTENTIONAL FAILURE TO DISCLOSE HAZARDS 17 an 'accident' we cover. We do not have to furnish these bonds. WAVER OF TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US 19 (4) All reasonable expenses incurred by the insured at our request including actual loss of earnings up to $500 a day because of time off from work SECTION II - LIABILITY COVERAGE is amended as follows: 6" AMENDED FELLOW EMPLOYEE EXCLUSION 1. BROAD FORM INSURED In those Jurisdictions where, by law, fellow employees are not entitled to the protection afforded to the SECTION II - LIABILITY COVERAGE, paragraph A.I. -WHO IS AN INSURED is amended to Ind ude the employer by the workers compensation exclusivity rule, or similar protection, the following provision is add following as an insured: added: SECTION 11- LIABILITY, exclusion B.6. FELLOW EMPLOYEE does not apply tf the bodily injury' results d. Any legally incorporated entity of which you own more than 50 percent of the voting stock during the from the use of a covered'auto' you own or hire. policy period. However, 'insured" does not include any organization that (1) is a partnership or joint venture; or SECTION Ill - PHYSICAL DAMAGE COVERAGE Is amended as follows: (2) 1s an insured under any other automobile policy; or 6. HIRED AUTO PHYSICAL DAMAGE (3) Has exhausted ft Limit of Insurance under any other automobile policy. Paragraph d. (2) of this provision does not apply to a policy written to apply specifically in excess of Paragraph AA. Coverage Extensions of SECTION III - PHYSICAL DAMAGE COVERAGE, is amended this policy. by adding the following: If hired 'autos' are covered "autos" for UaNlity Coverage, and if Comprehensive, Specified Causes of e. Any organization you newly acquire or forth, other than a partnership or joint venture, of which you Loss or Collision coverage are provided under the Business Auto Coverage Form for any'auW you own, own more than 50 percent of the voting stock This automatic coverage is afforded only for 180 days then the Physical Damage coverages provided are extended to -autos-: from the date of acquisition or formation. However, coverage under this provision does riot apply. (1) If there is similar insurance or a self-insured retention pan available to that organization: You hire, rent or borrow, or 0 MuttuN kritlflrn[e a AN 02010 Liberty Murua: kmumnm company. An rgMS reserved. CA SS 10 01 10 Inc>udss mpyrlghted materlai 0(1n m. Servtcea OMoq With Ito pertnMSIM. Page 2 of 7 0201 CA 88 10 01 10 Inrtudes mpy Men metMmarsvrsa ee rv n. N righ~ , win pemriaWOn. Pagel 01 7 b. Your "employee' hires or rents under a written contractor agreement in that "employee's' name, but 9. RENTAL REIMBURSEMENT only if the damage occurs while the vehicle Is being used in the conduct of your business, SECTION III - PHYSICAL DAMAGE COVERAGE, A. COVERAGE, is amended by adding the following: subject to the following limit and deductible: a. We will pay up to $75 per day for rentsl reimbursement expanses incurred by you for the rental of an A. The most we will pay for "loss' in any one'accident or "loss" is the smallest ot. 'auto' because of 'accident or 'loss", to an 'auto" for which we also pay a 'loss' under Comprehensive, Specified Causes of Loss or Collision Coverages. We will pay only for those (1) S50 D0o or expenses incurred after the first 24 hours following the 'accident or "loss' to the covered "auto." (2) The actual cash value of the damaged or stolen property as of the time of the "loW: or b, be tat Reimbursement will be based on the rental of3 omparrabllet the lcle, which in many cases may uY l per day, and will only be allowed i period of time it should take to (3) The cost of repairing or replacing the damaged or stolen property with other property of Ilco kind repair or replace the vehicle with reasonable speed and similar quality, up to a maximum of 30 days. and qualty, c. We will also pay up to $500 for reasonable and necessary expenses incurred by you to remove and minus a deductible. replace your tools and equipment from the covered'auto% B. The deductibie will be equal to the largest deductible applicable to any owned 'auto' for that d. This coverage does not apply unless you have a business necessity that other 'autos' available for coverage your use and operation cannot fill. C. Subject to the limit, deductible and excess provisions described in this provision, we will provide e. If "toss' results from the total theft of a covered 'auto' of the private passenger type, we will pay under this coverage only that amount of your rental reimbursement expenses which is not already provided coverage equal to the broadest coverage applicable to any covered 'auto' you own. under Paragraph 4 Coverage Extension. D. Subject to a maximum of $750 per'aocident, we will also cover the actual loss of use of the hired f. No deductible applies to this coverage. 'auto' If it results from an 'accident'. you are legally liable and the lessor Incurs an actual financial less For the purposes of this endorsement provision, materials and equipment do not Include 'personal effects" as defined in provision 11. E. This coverage extension does not apply to: 10, EXTRA EXPENSE - BROADENED COVERAGE (1) Any "auto' that is hired, rented or borrowed with a driver, or Under SECTION III - PHYSICAL DAMAGE COVERAGE, A. COVERAGE, we will pay for the expense of (2) Any'aute that is hired, rented or borrowed from your "employee. returning a stolen covered'auto" to you. The maximum amount we will pay Is $1,000. For the purposes of this provision, SECTION V - DEFINITIONS is amended by adding the following: 11. PERSONAL EFFECTS COVERAGE A. SECTION Ill - PHYSICAL DAMAGE COVERAGE, A. COVERAGE, is amended by adding the 'Total loss' means a'loes' in which the cost of repairs plus the salvage value exceeds the actual cash following: value. If you have purchased Comprehensive Coverage on this policy for an "auto" you own and that "auto 7. TOWING AND LABOR is stolen, we will pay, without application of a deductible, up to 5600 for'personal effects' stolen with OV'auto.* SECTION III - PHYSICAL DAMAGE COVERAGE, paragraph A.Z Towing, is amended by the addition of the following: The Insurance provided under this provision is excess over any other collectible insurance. We will pay towing and labor costs incurred, up to line limits shown below, each time a covered 'auto B. SECTION V - DEFINITIONS is amended by adding the following. classified and rated as a private passenger type,'light truck" or'medium truck' is disabled: For the purposes of this provision, ' oral effects" mean tangible roPere property that is worn or carried by a. For private passenger type vehicles, we will pay up to $50 per disablement an Insured.' "Personal effects" does not include tools, equipment, jewelry, money or securities. 12. ACCIDENTAL AIRBAG DEPLOYMENT b. For'light treks', we will pay up to $50 par disablement. 'tsght trucks' arc trucks that have a gross vehicle weight (GVW) o(10,000 pounds or less. SECTION Ill - PHYSICAL DAMAGE COVERAGE. B. EXCLUSIONS Is amended by adding the following. G For medium bucks' , we will pay up to $150 per d'Isablernent. 'Medium trucks' are trucks that have a H you have purchased Comprehensive or Collision Coverage under this policy, the exclusion for 'loss' gross vehicle weight (GVW) of 10,001 - 20,0D0 pounds. relating to mechanical breakdown does not apply to the accidental discharge of an airbag. However, the labor rivet be performed aril the prate of d sablemeru Any insurance we provide shall be excess over any other collectible -insurance or reimbursement by manufacturers warranty. However, we agree to pay any deductible applicable to the other coverage or (L PHYSICAL DAMAGE. ADDfrIONAL TRANSPORTATION EXPENSE COVERAGE warranty. Paragraph A.4.2., Coverage Extension of SECTION Ill - PHYSICAL DAMAGE COVERAGE, Is arnertded 13. AUDIO, VISUAL AND DATA ELECTRONIC EQUIPMENT COVERAGE to provide a limit of $50 per day and a maximum limit Of $1,500 SECTION III - PHYSICAL DAMAGE COVERAGE, B. EXCLUSIONS, exception paragraph a. to exclusions 4.c, and 4.d. Is deleted and replaced with the following: =10 Ub" wutuW IrurYanre Corrtpany. AI rii nismv d. CA 99 10 01 10 hxClWea mpyrghted materiat of in-mhcA Smites Drfix, Wth Ib pem"Sim Pago 3 of 7 CA 8810 01 10 rncw C201 0 Laarty MO.* Muronee ce O eii. Its ad, copyr opyrighted rrubrbl of Irtsurarxe SeMm mlma Dlflw. with iN Its pmNnxort Pogo 4 of 7 Exclusion 4.c and 4.d. do not apply tc: 1S. GLASS REPAIR - WAIVER OF DEDUCTIBLE of SECTION III - PHYSICAL DAMAGE COVERAGE is amended by the Paragraph Deductible a. Electronic equipment that receives or transmits audio, visual or data signals, whether or not designed addition of the e following: following: solely for the reproduction of sound, if the equipment is permanently Installed In tic covered'auto" at the time of the "loss' and such equipment it designed to be solely opomted by use of the power from No deductible applies to glass damage it the glass is repaired rather than replaced. the 'auto's" electilcal system, in or upon the covered 'auto- and physical damage coverages are provided fur the covered 'auto` or 16. PARKED AUTO COLLISION COVERAGE (WAIVER OF DEDUCTIBLE) Paragraph D. Deductible of SECTION III - PHYSICAL DAMAGE COVERAGE is amended by the If the 'loss occurs solely to audio, visual or data electronic equipment or accessories used with this addition of the followng: equiprnent, thm our obligation to pay for, repair. return or replace damaged or stolen property will be reduced try a $100 deductible. The deductible does not apply to 'loss' caused by collision to such covered "auto' of the private passenger type or light weight truck with a gross vehicle weight of 10,000 lb& or less as defined by the 14. LOAN I LEASE GAP COVERAGE manufacturer as maximum loaded weight the 'auto' is designed to carry while it is: A Paragraph C., LIMIT OF INSURANCE of SECTION Ili - PHYSICAL DAMAGE COVERAGE is a. In the charge of an "Insured: amerWed by adding the following: b. Legally parked; and c. Unoccupied. The most we will pay for a 'total loss' to a covered 'auto' owned by or leased to you in any one 'accident' is the greater of the: The'bss" must be reported to the police authorities within 24 hours of known damage. The total amount of the damage to the covered "auto' must exceed the deductible shown in the 1. Balance due under the terms of the loan or lease to which the damaged covered 'auto' is subject Declarations. at the time of the 'loss less the amount of. a. Overdue payments and financial penalties associated with these payments as of the date of This provision does not apply to any 'loss' If the covered 'auto is in the charge of any person or the'lose, organization engaged in the automobile business. b. Financial penalties imposed under a lease due to high mileage, excessive use or abnormal SECTION IV - BUSINESS AUTO CONDITIONS is amondod as follows: wear and tear, e. Costs for extended warranties, Credit Life Insurance, Health, Accident or Disability Insurance 17, UNINTENTIONAL FAILURE TO DISCLOSE HAZARDS purchased with the loan or lease, d. Transfer or rollover balances from previous bans or leasos, SECTION IV- BUSINESS AUTO CONDITIONS, Paragraph B.2. is amended by adding the following: e. Final payment due under a "Balloon Loan', If you unintentionally fail to disclose any hazards, exposures or material facts existing as of the inception L The dollar amount of any unrepaired damage which occurred prior to the 'local loss of a date or renewal date of the Business Auto Coverage Form, the coverage afforded by this policy w ll not covered "auto'. be prejudiced. g. Security deposits not refunded by a lessor, h. All refunds payable or paid to you as a insult of the early termination of a lease agremrart or However, you must report the undisclosed hazard of exposure as soon as practicable after its discovery, as a result of the early termination of any warranty or extended service agreement on a and we have the right to collect additional premium far any such hazard or exposure. covered 'auto_. 18. AMENDED DUTIES IN THE EVENT OF ACCIDENT, CLAIM, SUIT, OR LOSS r. Any amount representing taxes, SECTION IV - BUSINESS AUTO CONDITIONS, paragraph A.2.a. Is replaced in its onUraty by the J. Loan or lease termination fees; or following: 2. The actual cash value of the damage or stolen property as of the time of the loss'. a. In the event of'accidenY, claim,'sulY or'lose. you must promptly notify us when it is known to: An adjustment far depreciation and physical condition will be made in determining the actual cash 1 . You, if you are an individual; value at the time of the'loss'. This adjustment is not applicable In Texas. 2 A partner, if you are a partnership; B. ADDITIONAL CONDITIONS 3• Member, if you area limited liability company; 4. An executive officer or the 'employee* designated by the Named Insured to give such notice, if This coverage applies only to the original lean for which the covered "auto" that incurred the loss you are a corporation. serves as collateral, or lease written on the covered 'auto'that incurred the loss. To the extent possible, notice to us should Include: C. SECTION V- DEFINITIONS is changed by adding the follovring. (1) How, when and where the'accident' or'loss" took place; (2) The'insurrds" name and address; and As used in this endorsement provision, the Wowing definitions apply (3) The names and addresses of any injured persons and witnesses. 'Total loss' means a 'loss" in which the cost of repairs plus the salvage value exceeds the actual 19. WAIVER OF TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US cash value. SECTION IV - BUSINESS AUTO CONDITIONS, paragraph A.S. Transfer of Rights of Recovery Against A'balloon loan' Is one with periodic payments that are InsuffiClent to repay the balance over the tern Others to Us, Is amended by the a0dltlon of the following; of the ban, thereby requiring a large final payment If the person or organization has waived those rights before an 'accident or "toss', our rights are waived also. 02010 Liberty rnrmmi Irlauraetn Comaa". An Nine men ved. ozolo Uber y Ntu va Insu area Company. au r ghts rose voe. CA 8810 01 10 Includes copyrghted mrierlsl W Inwrarmca Secvxas Office. corn its muemtlcabn. Pogo 5 of 7 CA 88 10 01 10 mdudes copfripr:ted mate s: of Inwran Services Omm, with its pemisslpn. Page 6 of 7 20. HIRED AUTO COVERAGE TERRITORY SECTION IV - BUSINESS AUTO CONDITIONS, paragraph B.7., Policy Period, Coverage Territory, is amended by the addition of the following: L Fora AW hired 30 days or less, the coverage territory is anywhere in the worid. provided that the Insureds responsibility to pay for damages is determined in a 'su'2', on the merits, In the United States, the territories and possessions of the United States of America, Puerto Rico or Canada or in a settlement we agree to. This extension of coverage does not apply to an 'auto hired, )eased, rented or borrowed with a drives. SECTION V -DEFINITIONS Is amondod as follows: 21. BODILY INJURY REDEFINED Under SECTION V - DEFINTIONS, definition C. is replaced by the following: 'Bodily injury means physical injury, sickness or disease sustained by a person. including mental anguish, mental Injury, shock fright or death resulting from any of these at any time. COMMMON POLICY CONDITIONS 22. EXTENDED CANCELLATION CONDITION COMMON POLICY CONDITIONS, paragraph A- CANCELLATION condition applies except as follows: If we cancel for any reason other than nonpayment of premium, we Mn marl to the fkst Named insured written notice of cancellation at least 60 days before the effective date of cancellation. This provision does not apply In those states wtilch require more than 60 days prior notice of cancellation. 02010 Lb" Mutual Insurance Company. An ngMn roaenred. CA 88 10 01 10 trdAw copynydad nwerbl of Inwrame Sam= Ofnce, Min ft p-l"-. Page 7 of 7 COMMERCIAL GENERAL LIABILITY s CO 88 10 04 13 With respect to coverage afforded by this endorsement, the provisions of the policy apply unless modified by the endorsement. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. A. NON-OWNED AIRCRAFT COMMERCIAL GENERAL LIABILITY EXTENSION Under Paragraph 2. Exclusions or section I - Coverage A • Bodily Injury And Property Damage Usblgiy, exclusion q. Asrerart, Auto Or Watercraft does notapply to an aircraft provided: This endorsement modifies insurance provided under the following: 1. It Is not owned by any insured; COMMERCIAL GENERAL LIABILITY COVERAGE PART 2. it is hired, chartered or loaned with a trained paid crew; 3. The pilot In command holds a currently effective certificate, Issued by the duly constituted authority of the United States of America or Ca nada, designating her or him a commercial or airline pilot; and NJ DEx 4. his not being used to carry persons or property for a charge, SUBJECT PAGE However, the Insurance afforded by this provision does not apply If there is available to the Insured other valid and collectible Insurance, whether primary, excess (other than Insurance written to apply specifically NON-OWNED AIRCRAFT 2 In excess of this policy), contingent or an any other basis. that would also apply to the loss covered under ' this provision. NON-OWNED WATERCRAFT 2 B. NON-OWNED WATERCRAFT PROPERTY DAMAGE LIABILITY- ELEVATORS 2 Under Parag raph 2. Exclusions of Section I - Coverage A - Bodily Injury And Property Damage Liability, Subparagraph (2) of exclusion q. Aircraft, Auto Or Watercraft Is replaced by the fallowing: EXTENDED DAMAGE TO PROPERTY RENTED TO YOU (Tenant's Property Damage) 2 This exclusion does not apply lo: MEDICAL PAYMENTS EXTENSION 3 (2) Awatercraft you do not own that Is: EXTENSION OF SUPPLEMENTARY PAYMENTS -COVERAGES A AND B 3 (a) Lass than 52 feet long; and (b) Not being used to carry persons or properly for a charge. ADDITIONAL INSUREDS -By CONTRACT, AGREEMENT 0R PERMIT 3 C. PROPERTY DAMAGE LIABILITY-ELEVATORS PRIMARY AND NON-CONTRIBUTORY- ADDITIONAL INSURED EXTENSION 6 1. Under Paragraph 2. Exclusions of Section I - Coverage A - Bodily Injury And Property Damage Llabll- Ity, Subparagraphs (3), (4) and (6) of exclusion J. Damage 7o Property do not apply If such "property ADOfTIONALINSUREOS • EXTENDED PROTECTION OF YOUR 'LIMITS OF INSURANCE' B de mass" results from the use of elevators. For the purpose of this provision, elevators do not Include vehicle lifts. Vehicle lifts are lifts or hoists used In eutonsobffe service or repair operations. 7FICE INSURED WHO IS - AN INSURED-INCIDENTAL MEDICAL EA MANAGEMENT D WHO IS AN 2. The following Is added to Section IV . Commercial General Liability Conditions. Condition 4. Other FELLOW EMPLOYEE EXTENSION • MANAGEMENT EMPLOYEES 6 Insurance, Paragraph It. Excess insurance: NEWLY FORMED OR ADDITIONALLY ACQUIRED ENTITIES 7 The Insurance afforded by this provision of this endorsement Is excess over any property Insurance, - FAILURE TO DISCLOSE whether primary, excess, contingent Dion any other basis. HAZARDS AND PRIOR OCCURRENCES 7 0. EXTENDED DAMAGE TO PROPERTY RENTED TO YOU (Tenant's Property Damage) KNOWLEDGE OF OCCURRENCE, OFFENSE, CLAIM OR SUIT 7 It Damage To Premises Rented To You Is not otherwise excluded from this Coverage Part: LIBERALIZATION CLAUSE 7 1. Under Paragraph Z Exclusions of Section l - CoverageA-Bodily Injury and Property Damaga Llabluty. a. The fourth from the last paragraph of exclusion J. Damage To Property is replaced by the follow- BODILY INJURY REDEFINED 7 Ing: Paragraphs (1)• (3) a nd (4) of this exclusion do not apply to "property damage" (other than do Mafia EXTENDED PROPERTY DAMAGE B by fire, lightning, explosion, smoke, or leakage from an automatic fire protection system) to: WAIVER OF TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERSTO US - B (1) Premises rented to you for a period of7or fewer consecutive days; or WHEN REQUIRED IN A CONTRACT OR AGREEMENT WITH YOU (iq Contents that you rent or lease as part of a premises rental or lease agreement for a period of more than 7 days. Paragraphs (1), (3) and (4) of this exclusion do not apply to "property damage" to contents of promises rented to you for a period of 7 or fewer consecutive days. A separate limit of Insurance applies to this coverage as described In Section 111 - Limits of Insurance. 4 2011 LrEaM MYtutl a,scrarca a 2010 LibenY W. 3l lnaar1- C08B100413 o~.eer c"o.r;ar:ee marenal of hsvrena sar.^ces ~i~~.Inc.x`N ire oermisrian Paget of8 CG 88100413 trdudeS wprrgm.4rnittul o(I-rarces-kes erne, kN,nth it, perMSS:an. Page 2of8 b. The Is sl paragraph of subsection 2. Exclusions is replaced by the following: b. Premises or facilities rented by you or used by you; or Exclusions C. through n. do not apply to damage by fire, lightning, explosion, smoke or leakage from automatic fire protection systems to premises while rentedto you or temporarily occupled by c. The maintenance, operation or use by you of equipment rented or leased to you by such person or you with permission of the owner. A separate limit of Insurance applies to Damage To Premises organization; or Rented To You asdescdbed In $*often DI - Umits Of Insurance. Of. Operations performed by you or on your behalf for which the slate at political subdivision has 2. Paragraph fi. under Section 111-Limits Of Insurance Is replaced by the fallowing! Issued a permit subject to the following additional provisions: 1 This insurance does not apply to 'bodily Injury", 'property damage", or "personal and ad- to To mises 8. Subject Paragraph above,the Damage Pra Rented To You Limit Is the most we will O verVsing injury" arising out ofthe operations performed for the state or political subdivision; pay undeer r Coverage A f for damages Decavse o of f "propperty erty damage" to: e. Any one premtse: (2) This Insurance does not apply to "bodily Injury" or "property damage' Included within the (1) Whllelanlecitoymor "completed operations harard". (2) While rented to you or temporarily occupied by you with permission of the owner for 13) Insurance applies to premises you own, rent, of control but only with respect to the following damage by fire, lightning, explosion, smoke or leakage from automatic protection Sys• hazards: tems; or (a) The existence, maintenance, repair, construction., eredlon, or removal of advertising b. Contents that you rent or tease as part of a Premises rental or tease agreement. signs, awnings, canopies, cellar entrances, coal holes, driveways, manholes, marquees, 3. As regards coverage provided by this provision D. EXTENDED DAMAGE TO PROPERTY RENTED TO hoist away openings, sidewalk vaults, street banners, or decorations and similar expo- YOU (Tenant's Property Damage) -Paragraph fl.a. of Definitions is replaced with the following: sur es; or B.a. A contract for a lease of premises. However, that portion of the contract for a lease of premises (b) The construction, erection, arremoval ofelevators; or that Indemnifies any person or organization for damage by fire, lightning, explosion, smoke, or (c) The ownership, maintenance, or use crony elevators Covered by this Insurance. leakage from automatic fire protection systems to premises while rented to you or temporarily occupied by you with the permission of the owner, or (or damage to contents of such premises However: that are Included lnyour premises rental or lease agreement, Is noun"Insured contract". 1. The insurance affofdad to Such additional Insured only applies to The extent permitted bylaw; and E. MEDICAL PAYMENTS EXTENSION 2. If coverage provided to the additional insured Is required by a contract or agreement, the Insur- if Coverage C Medical Payments Is not otherwise excluded, the Medical Payments provided by this policy ante afforded to such additional Insured will not be broader than that which you are required by are emended as follows: the contract or agreemenlto provide for such additional Insured. Under Paragraph s. Insuring Agreement of Section I. Coverage C - Medical Payments, Subparagraph With respect to Paragraph i.a, above, a persons or organization's status as an additional Insured (b) of Paragraph a. Is repgced by the following: under this endorsement ends when: (b) The expenses are Incurred and reported within three years of the date of the occident; end (i) Artwork, Including material$, parts or equipment furnished In nncdbymonhehw Lion the project (other than service, maintenance or repairs) to be perform F. EXTENSION OFSUPPLE65ENTARY PAYMENTS-COVERAGESAANDB additional Insured(s) atthe location of the covered operations has been completed; or 1. Under Supplementary Payments. Coverages A and B, Paragraph 1.b. Is replaced by the following: (2) That portion of 'your work" out of which the injury or damage arises has been put to Its b. Up to $3.000 for cost of ball bonds required because of accidents or traffic law violations arising Intended use by any person or organization other than another Contractor or subcontractor out of the use of any vehicle to which the Bodily Injury Liability Coverage applies. We do not have engaged In performing operations fora principal as a part of the same project to furnish these bonds. With respecl to Paragraph 1.6. above, a person's or organization's status as an additional insured under this endorsement ends when their written contract or written agreement with you for Such 2. Paragraph t.d.ls replaced by the following: premises or laclg6es ends. d. All reasonable expenses Incurred by the Insured at our request to assist us In the Investigation or defense the claim or "suit", Including actual loss of earnings up to $500 a day because of time Nth respecta to paragraph I.e. above, this Insurance does not apply to any "occuumce" which takes ic take place after the equipment rental lease agreement has expired or you have returned such equipment of/fromw work. to the lessor. G. ADDITIONAL INSUREDS-BY CONTRACT, AGREEMENT OR PERMIT The Insurance provided by this endorsement applies only if the written contractor written agreement 1. Paragraph 2. under Section 11- Who Is An Insured Is amended to Include at an insured any person or Is signed prior to the "bodily Injury" or "property damage". organization whom you have agreed to add as an additional Insured In a written contract, written We have no duty to defend on additional tnsured under this endorsement until we receive written agreement or permit. Such person or organization Is an additional insured but only with respect to We h of s "suit" by the additional insured s red! and In his endor b. of Condition 2. Dudes ri the vent Of Occurrence, Offense, Claim Or Suit under Section IV -Commercial General Liability Condi• or of in part for by: "bodily Injury", "property damage" or "personal end advertising Injury" caused In whole Enotice a Paragraph In in pa trans. a. Your acts or omissions, or the acts or omissions of those acting on your behalf, In the performance of your on going operations for the additional Insured that are the subject of the written contract or written agreement provided that the "bodily Injury" or "property damage" occurs, or the "per, sonal and advertising Injury" Is committed, subsequent to the clgning of such written contract or written agreement; or 6 2013 Lame V.rtvrl k.ra.rnn _ _ _ 2. With respect to the Insurance provided by this endorsement, the following are added to Paragraph 2- b. The following Is added to Paragraph It. Excess Insurance: Exclusions under Section I - Coverage A - Bodily injury And Property Damage Liability-. When a written contract or written agreement, other than a premises lease, facilities rental contract or This Insurance does net apply lo: agreement, an equipment rental or lease Contract or agreement, or permit issued by a state or political a. "Bodily Injury" or "property damage" arising from the sole negligence of the additional Insured. subdivision between you and an additional Insured does not require this Insurance to be primary or primary and non-contributory, this insurance Is excess over any other insurance for which the addl- b. "Bodily Injury" or "properly damage" that occurs prior to you commencing operations at the tonal insured is designated as a Named insured. location where such "bodily injury" or "property damage" occurs. ss C. "Bodily injury", "property damage" or "personal and advertising injury" arising out of the render- Regardless of the written agreement between you and an additional Insured, this other basis or insurance Is which excess the Ing of, or the failure to render, any professional architectural, engineering or surveying services, over any other Insurance whether primary, excess, condngenl or policies, othher f edditlonal Incur ad has been added as an additional insured an other poes. Including: (1) The preparing, approving, or falling to prepare or approve, maps, shop drawings, opinions, I. ADDITIONAL INSUREDS - EXTENDED PROTECTION OF YOUR "LIMITS OF INSURANCE" reports, surveys, field orders, change orders or drawings and specifications; or This provision applies to any person or organization who qualifies as an additional Insured under any form (2) Supervisory. Inspection, architectural or engineering activities. Of endorsement under this policy. This exclusion applies even It the claims Against any Insured allege negligence or other wrongdoing In 1. The following is added to Condition 2. Duties In The Event Of OCCerfence,Offanel, CIaimef Suil: the supervision, hiring, employment, training or monitoring of others by that Insured, if the "occur- rams" which caused the "bodily Injury" or "properly damage", or the offense which caused the An additional insured under this endorsementwill as soon a s praaICAVO: "personal and advertising injury", Involved the rendering of, or"failure to render, any professional architectural, engineering or surveying services. a. Give written netce of an "occurrence" or an offense that may result in a claim or "suit" under this Insurance to us; d. 'Bodily Injury' or "property damage" occurring after: b. Tender the defense and Indemnity of any claim or "suit' to all insurers whom also have (1) All work, Including materiels, pads or equipment furnished In connection with such work, on Insurance available to the additional insured; and the project (other than service, maintenance or repalrs) to be performed by or on behalf of the e, Agree to make available any other insurance which the additional Insured has for a toss we additional Insured(s) At the location of the covered operations has been completed; or cover under this Coverage Part. (2) That portion of "your work' out of which the Injury or damage arises has been put to Its Of. We have no duty to defend or Indemnify an additional Insured under this endorsement uAITI Intended use by any person or organization other than another contractor or subcontractor we receive written notice bra "suit" by the additional Insured. engaged in performing operationsfor a principal as a part of the same project 2. The limits of Insurance applicable to the additional insured are those specified In a written contract e. Any person or organization specifically designated as an additional insured for ongoing operations or written agreement or the limits of Insurance as stated In the Declarations of this policy and by a separate ADDITIONAL INSURED -OWNERS, LESSEES OR CONTRACTORS endorsement is- defined In Section Ill - Limits of insurance of this policy, whichever are less. These Ilmils are sued by us and made a pert of this policy. Inclusive of and not in addition to the limits of Insurance available under this policy. 3. With respect to the Insurance afforded to these additional insureds, the following is added to Section BI J. WHO IS AN INSUREO -INCIDENTAL MEDICAL ERRORS I MALPRACTICE - Limits Of Insurance: WHO IS AN INSURED • FELLOW EMPLOYEE EXTENSION - MANAGEMENT EMPLOYEES If Coverage provided to the additional Insured Is required by a contract or agreement, the most we will Paragraph 2.a.(1) of Section 11- Who Is An Insured is replaced with the following: pay on behalf of the additional Insured Is the amount of imwame: a. Required by the contract or agreement; or (1) "Bodlly Injury" or" personal and advertising injury": b. Available under the applicable Llmlls of Insurance shown In the Declarations; (a) To you, to your partners or members (if you area partnership or joint venture). to your members (it whichever Is less. you are a hmlted liability company), to a co-'employee" whlle in the courts of his or her employ This endorsement shall not increase the applicable Limits of Insurance shown In the Declarations. ment or performing duties related to the conduct of your business, or to your other "volunteer workers" while performing duties related to the conduct of your business; H. PRIMARY AND NON-CONTRIBUTORY ADDITIONAL INSURED EXTENSION jb) To the spouse, child, parent, brother or sister of that co'employee" of 'volunteer worker" es a This provision applies to any person or orga nization who qualifies as on additional Insured under any form consequence of Paragraph (1) (a) above; or endorsement under this policy. jc) For which there is any obligation to share damages with or repay someone else who must pay Condition 4. Other insurance or SECTION IV - COMMERCIAL GENERAL LIABILITY CONDITIONS la amend- damages because of the Injury described In Paragraphs (1) (a) or (b) above; or ed as follows: jr!) Arising out of his or her providing or falling to provide professional health care services. However, The followln Is added to if you are, not In the business or providing professional health care services or providing profas a. - 9 Paragraph a. Primary Insurance: sional health Cara personnel to others, or If coverage for providing professional health Cara ser- If on additional Insured's policy has an Other Insurance provision making Its Policy excess, and you vices Is not otherwise excluded by separate endorsement, this provision IParsgraph Idj) does not have agreed in a written contact or written agreement to provide the additional insured coverage ona apply. primary and noncontributory basis, this policy shall be primary and we will not seek contribution from Paragraphs (a) and (b) above do not applyto "bodty Injury' or "personal and advertising Injury"caused by the edditlonal Insured's policy for damages we cover. an "employee" who Is acting In a supervisory capacity for you. Supervisory capacity as used herein means the "employee's" job responsibilities assigned by you, Includes the direct supervision of other "employ- ees" of yours. However, none of these "employees" are Insureds for "bodily Injury" of "personal and m 2x13 UbsM L!fiJ+l lns:ranee 0 2013Gbawhl^, lnwrfnoa CO 88 to 04 13 lWrJcf eopydghmd-WW OIeswr -u ssMcaf oNn,me.w.tn xs pvml..ton Page 5 of 8 C6 88 10 0413 4vLdn COpYd9hUd rr•flerifl el LAY r-SW:<ef OTN-Ne,xkli k-P- ff ^n. Page 5 of B advertising Injury" arising out of their willful conduct, which Is defined as the purposeful orwillful intent to cause "bodily Injury" or "personal and advertising Injury", or caused In whole or In part by their intoxica- P. EXTENDED PROPERTY DAMAGE tlon by liquor or controlled substances. Exclusion a. of COVERAGE A. BODILY INJURY AND PROPERTY DAMAGE LIABILITY Is replaced by the The coverage provided by provislon J. is excess over any other valid and collectable insurance available to following; your "employee", a. Expected Or Intended Injury X. NEWLY FORMED OR AODITIONALLYACOUIRED ENTITIES "Bodily Injury" or "property damage' expected or Intended from the standpoint of the Insured. Paragraph 3.of Section II- Who 1s An insured Is replaced bythe following: This exclusion does not apply to 'bodily Injury" or "property damage" resulting from the use of 3. Any organization you newly acquire or form and over which you maintain ownership or majority reasonable force to protect persons of properly. Interest, will quality as a Named Insured If there Is no other similar Insurance available to that G. WAIVER OF TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US - WHEN REQUIRED IN A organization. However; CONTRACT OR AGREEMENT WITH YOU a. Covaraga under this provision Is afforded only until the expiration of the policy period in which the enlitywas acquired orformed byyou; Under Section IV - commercial General Liability Conditions, the following Is added to Condition S. Trans- b. Coverage A does not apply to "bodily Injury" or "property damage" that occurred before you for of flights or Recovery Against Others TO Us: acquired or formed the organization; and We waive any tight of recovery we may have against a person or organization because of payments we c. Coverage B does not apply to "personal and advertising Injury" arising out of an offense make for Injury or damage arising out or your ongoing operations or "your work' done under a committed before you acquired or formed the organization. contract with that person or organization and included In the "products-completed opeollons hazard" d. Records and descriptions of operations must be malntalned by the first Named Insured. provided' 1. You and that person or organization have agreed In writing in a contract or agreement that you No person or organization Is an Insured with respect to the conduct of any current or past partnership, joint waive such rights against that person or organization; and venture or limited liability company that Is not shown as a Named Insured In the Declarations or gvattea 2. The Injury or damage occurs subsequent to the execution of the written contract or written agree- as an Insured under this provision. meet. L. FAILURE TO DISCLOSE HAZARDS AND PRIOR OCCURRENCES Under Section IV - Commercial General Liability Conditions, the following Is added to Condition 8. Rapre- sentations: Your failure to disclose all hazards or prior "occurrences" existing a s of the Inception date of the policy shall not prejudice the coverage afforded by this policy provided such failure to disclose all hazards or prior "occurrences" Is not Intentional. M. KNOWLEDGE OF OCCURRENCE, OFFENSE, CLAIM OR SUIT Under Section IV - Commercial General Liability Conditions, the following Is added to Condition 2. Duties In The Event of Occurrence, Offense, Claim Or Suit: Knowledge of an "occurrence", offense, claim or "suit" by an agent, servant or "employee" of any Insured shall not In itself constitute knowledge of the insured unless an Insured listed under Paragraph 1. of Section Il - Who Is An Insured or a person who has been designated by them to receive reports Of "occurrences", offenses, claims or "suits" shall have received such notice from the agent, servant or "employee", N. LIBERALIZATION CLAUSE If we revise this Commercial General Liability Extension Endorsement 10 provide more coverage without additional premlum cha rge, your policy will automatically provide the coverage as of the day the revision Is effective In your stale. 0. BODILY INJURY REDERNEO Under Section V - Definftens, Definition 3. Is replaced by the following: 3. "Bodily Injury' means physical Injury, sickness or disease sustained by a parson, This Includes li mental anguish, mental Injury, shock, fright or death that results from such physical Injury, sick- nest ordisease. e 20th LWfrtrr 6-ires Ofrce O 2017 Li;<M a•;,N+IL Wr+,xv CG 88/00413 IedudH xern9"rod male!ul of inNMKV Sarvkef Offip,tnc, rnh its pvmhfion. PaQeJofB o/Sw. Lx.x+tliu turn: n:en. Pege8 gf8