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HomeMy WebLinkAboutInsurance Certificate: Mountain View Paving Inc A ® 9oCERTIFICATE OF LIABILITY INSURANCE DATE(MM/ 021 DD/YYYY) 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(les)must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER CONTACT Ward Insurance Agency Inc. PHONE Kim Schnetzky FAX PO Box 10167 (AIC,No.Ext):541-687-1117 I(A/C,No):541-342-8280 Eugene OR 97440 ADDRREss: kim©wardinsurance.net INSURER(S)AFFORDING COVERAGE NAIC# INSURER A:Cincinnati Casualty 28665 INSURED 14229 INSURER B: Mountain View Paving Inc PO Box 508 INSURER C: Talent OR 97540 INSURER D: INSURER E: • INSURER F: COVERAGES CERTIFICATE NUMBER:1502128274 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 I INDICATED. NOTWITHSTANDING ANY REQUIRWENT,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. ,, IS LTR TYPE OF INSURANCE Nw SD VD POLICY NUMBER UBR POLICY EFF POLICY EXP (MMIDD/YYYY) (MM/DDIYYYY) LIMITS A X COMMERCIAL GENERAL LIABILITY Y Y EPP 0404007 9/25/2021 9/25/2022 EACH OCCURRENCE $1,000,000 CLAIMS-MADE X OCCUR DAMAGE TO RENTED PREMISES(Ea occurrence) $500,000 MED EXP(Any one person) $10,000 PERSONAL&ADV INJURY, $1,000,000 _ GEN'LAGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE _ $2,000,000 _ POLICY X PRO- LOC PRODUCTS-COMP/OP AGG $2,000,000 JECT OTHER: $ A AUTOMOBILE LIABILITY Y Y EPP 0404007 9/25/2021 9/25/2022 COMBINED SINGLE LIMIT $1,000,000 (Ea accident) X ANY AUTO BODILY INJURY(Per person) $ OWNED SCHEDULED BODILY INJURY(Per accident) $ AUTOS ONLY AUTOS _ — X HIRED X NON-OWNED PROPERTY DAMAGE $ AUTOS ONLY _ AUTOS ONLY (Per accident) $ A X UMBRELLA LIAB X OCCUR EPP 0404007 9/25/2021 9/25/2022 EACH OCCURRENCE $1,000,000 EXCESS LIAB CLAIMS-MADE AGGREGATE $1,000,000 DED RETENTION$ $ WORKERS COMPENSATION PER OTH- AND EMPLOYERS'LIABILITY Y/N STATUTE ER ANYPROPRIETOR/PARTNER/EXECUTIVEN/A E.L.EACH ACCIDENT $ OFFICER/MEMBER EXCLUDED? (Mandatory In NH) E.L.DISEASE-EA EMPLOYEE $ If yes,describe under DESCRIPTION OF OPERATIONS below _ E.L.DISEASE-POLICY LIMIT $ DESCRIPTION OF OPERATIONS/LOCATIONS/VEHICLES (ACORD 101,Additional Remarks Schedule,may be attached if more space Is required) Certificate holder and all entities required by written contract are included as additional insureds on a primary and non-contributory basis with waiver of subrogation as respects to the general liability including completed operations and auto liability,including waiver of subrogation as required by written contract per attached endorsements.Subject to policy limits,terms,conditions and exclusions. CERTIFICATE HOLDER CANCELLATION 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. 90 N. Mountain • Ashland OR 97520 AUTHORIZED REPRESENTATIVE USA -L V o- ,..tea I N , ©1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25(2016/03) The ACORD name and logo are registered marks of ACORD THIS ENDORSEMENT CHANGES THE POLICY.PLEASE READ IT CAREFULLY. b. By way of an edition of an ISO addi- 2. With respect to the insurance afforded to tional insured endorsement that in- the additional insureds described in Para- cludes arising out of your ongoing graph B.1.,the following additional exclu- CONTRACTORS ADDITIONAL INSURED-AUTOMATIC STATUS operations or arising out of "your sions apply: AND AUTOMATIC WAIVER OF SUBROGATION work This insurance does nota pply to: then the phrase caused, in whole or in WHEN REQUIRED IN WRITTEN CONTRACT,AGREEMENT, part,by in Paragraph A.1.a.and/or Para- a. "Bodily injury","property damage"or • graph A.1.b.above,whichever applies,is "personal and advertising injuryaris- PERMIT OR AUTHORIZATION replaced by the phrase arising out of. ing out of operations performed for the federal government,state or mu- 3. With respect to the insurance afforded to nicipality;or This endorsement modifies insurance provided under the following: the additional insureds described in Para- graph A.1.,the following additional exclu- b. "Bodily injury"or"property damage" • sion applies: included within the "products- COMMERCIAL GENERAL LIABILITY COVERAGE PART completed operations hazard." This insurance does not apply to"bodily injury", "property damage" or "personal C. The insurance afforded to additional insureds A. Additional Insured - Owners, Lessees Or cluded in the "products-completed and advertising injury"arising out of the described in Paragraphs A.and B.: Contractors-Automatic Status For Other operations hazard",but only if: rendering of,or the failure to render,any 1. Only applies to the extent permitted by Parties When Required In Written Contract professional architectural, engineering or law;and Or Agreement With You (1) The Coverage Part to which this surveying services,including: endorsement is attached pro- 2. Will not be broader than that which you 1. Section II - Who Is An Insured is vides coverage for"bodily injury" a. The preparing,approving or failing to are required by the written contract,writ- _ • amended to include as an additional in- - or "property damage" included prepare or approve, maps, shop ten agreement, written permit or written sured any person or organization you within the "products-completed drawings,opinions,reports,surveys, authorization to provide for such addition- have agreed in writing in a contract or operations hazard";and field orders,change orders or draw- al insured;and agreement to add as an additional in- ings and specifications;or sured on this Coverage Part. Suchper- (2) The written contract or written 3. Does not I to anyg . g apply person,organiza- or organization(s) is an additional agreement requires you to pro- b. Supervisory,inspection,architectural tion,state,governmental agency or sub- insured only with respect to liability for: vide additional insured coverage or engineering activities.' division or political subdivision specifically included within the "products- named as an additional insured for the . a. "Bodily injury","property damage"or completed operations hazard" This exclusion applies even r the claims "personal and advertising injury" for that person or organization. against any insured allege negligence or same project in the schedule of an en- against dorsement added to this Coverage Part. other wrongdoing in the supervision, hir- caused, in whole or in part, by the If the written contract or written ing,employment,training or monitoring of performance of your ongoing opera- D. With respect to the insurance afforded to the tions by you or on your behalf,under agreement requires you to provide others by that insured,if the"occurrence" additional insureds described in Paragraphs that written contract or written additional insured coverage included which caused the"bodily injury"or"prop- A.and B.,the following is added to Section III agreement.Ongoing operations does within the"products-completed oper- erty damage", or the offense which Limits Of Insurance: not apply to"bodily injury"or"proper- ations hazard"for a specified length caused the"personal and advertising inju- ty damage"occurring after: of time for that person or organiza- ry",involved the rendering of,or the fail- The most we will pay on behalf of the addi- tion, the "bodily injury" or "property ure to render,any professional architec- tional insured is the amount of insurance: (1) All work, including materials, damage"must occur prior to the ex tural,engineering or surveying services. parts or equipment furnished in piration of that period of time in order 1. Required by the written contract,written connection with such work, on for this insurance to apply. 4. This Paragraph A.does not apply to addi- agreement, written permit or written au- the project-(other than service, tional insureds described in Paragraph B. thorization described in Paragraphs A. maintenance or repairs) to be If the written contract or written and B.;or P B. Additional Insured-State Or Governmental performed b or on behalf of the agreement requires you to provide additional insureds)at the Iota- additional insured coverage for a Agency Or Subdivision Or Political Subdi- 2. Available under the applicable Limits of vision -Automatic Status When Required Insurance shown in the Declarations; tion of the covered operations person or organization per only ISO has been completed;or additional insured endorsement form In Written Permits Or Authorizatiort5 whichever is less. number CG 20 10.without specifying 1. Section II - Who Is An Insured is (2) That portion of"your work"out of an edition date,and without specifi- amended to include as an additional in- This endorsement shall not increase the appli- which the injury or damage aris- cally requiring additional insured sured any state or governmental agency cable Limits of Insurance shown in the Decla- es has been put to its intended coverage included within the"prod- or subdivision or political subdivision you rations. use by any person or organiza- ucts-completed operations hazard", have agreed in writing in a contract, E. Section IV- Commercial General Liability tion other than another contrac- this Paragraph b.does not apply to agreement,permit or authorization to add Conditions is amended to add the following: tor or subcontractor engaged in ..that person or organization. as an additional insured on this Coverage performing operations for a prin- Part.Such state or governmental agency Automatic Additional Insured Provision cipal as apart of the samepro- 2. If the'written contract or written agree- orp men( described in Paragraph 1. above subdivision or political subdivision is an ject;and g p additional insured only with respect to op- This insurance applies only if the"bodily inju- specifically requires you to provide addi- erasions performed by you or on your be- ry"or"property damage"occurs,or the"per- b. "Bodily injury"or"property damage" tional_°insured coverage to that person or half for which the state or governmental sonal and advertising injury"offense is corn- caused,in whole or in part,by"your organization: agency or subdivision or political subdivi- milted: work" performed under that written contract or written agreement and in a. Arising out of your ongoing opera- sion issued,in writing.a contract,agree- 1. During the policy period;and tions or arising out of"your work";or ment,permit or authorization. Includes copyrighted material of Insurance Includes copyrighted material of Insurance GA 472 09 18 Services Office,Inc..with its permission. Page 1 of 3 GA 472 09 18 Services Office,Inc.,with its permission. Page 2 of 3 ' 2. Subsequent to your execution of the writ- As used in this endorsement,wrap-up insur- ten contract or written agreement,or the 'ance means any insurance provided by a con- issuance of a written permit or written au- solidated(wrap-up)insurance program. thorization, described in Paragraphs A. andPrimary And Noncontributory Insurance When Required By Written Contract, F. Except when G.below applies,the following is Agreement,Permit Or Authorization ' added to Section IV-Commercial General Liability Conditions, 5. Other Insurance, Except'when wrap-up insurance applies to the and supersedes any provision to the contrary: - claim or"suit"on behalf of the additional in- sured,this insurance is primary to and will not When Other Additional Insured Coverage seek contribution from any other insurance r Applies On An Excess Basis available to the additional insured described in • This insurance is primary to other insurance Paragraphs A.and B.provided that: available to the additional insured described in 1. The additional insured is a Named In- , Paragraphs A.and B.except: sured under such other insurance;and _ • 1. As otherwise,_provided in Section IV - 2. You have agreed in writing in a contract, Commercial General Liability Condi- agreement, permit or authorization de- ..' of tions.5.Other Insurance,b.Excess In- scribed in Paragraph A.or B.that this in- - ;sr. t< surance;or surance would be primary and would not ..lu i,:•., 2. For any other-valid and collectible incur- seek contribution from any other incur- ance available to the additional insured as ance available to the additional insured. an additional insured by attachment of all As used in this endorsement,wrap-up incur- endorsement to another insurance policy ance means any insurance provided by a con- that is written on an excess basis.In such solidated(wrap-up)insurance program. • case,this insurance is also excess. H. Section IV1-Commercial General Liability G. The following is added to Section IV-Com- Conditions, 9. Transfer Of Rights Of Re- mercial General'-Liability Conditions, 5. covery Against Others To Us is amended by Other Insurance;and supersedes any provi- the addition of the following: - sion to the contrary: We waive any right of recovery we may have Primary Insurance When Required By Writ- against any additional insured under this en- ten Contract,-Agreement, Permit Or Au- dorsement against whom you have agreed to thorization waive such right of recovery in a written con- when,wrap-up applies to tract,written agreement,written permit or writ- Exceptx im hent'suit"raobehalf insuranceothe additional thein7 ten authorization because of payments we clmake for injury or damage arising out of your cured,this insurance is primary to any other insurance available to the additional insured ongoingoperationsor"your work"done under written described in Paragraphs A.and B.provided a contract,written agreement,written that: permit or written authorization. However,our rights may only be waived prior to the"occur- 1. The additional insured is a Named In- rence"giving rise to the injury or damage for sured under such other insurance;and which we make payment under this Coverage Part.The insured must do nothing after a loss 2. You have agreed in writing in a contract, to impair our rights.At our request,the insured agreement, permit or authorization de- will bring"suit"or transfer those rights to us . scribed in Paragraph A.or B.that this in- and help us enforce those rights. surance would be primary to any other in- surance available to the additional in- sured. • — • • Includes copyrighted material of Insurance GA 472 0918 Services Office,Inc.,with its permission. Page 3 of 3 THIS ENDORSEMENT CHANGES THE POLICY.PLEASE READ IT CAREFULLY. b. Loss Of Earnings:$ 500 5. Medical Payments CONTRACTORS'COMMERCIAL GENERAL LIABILITY Medical Expense Limit:$10,000 BROADENED ENDORSEMENT 9. Property Damage To Borrowed Equipment Each Occurrence Limit $10,000 This endorsement modifies insurance provided under the following: Deducible Amount: $ 250 16. Voluntary Property Damage Coverage(Coverage a.)And Care, Custody Or Control Liability COMMERCIAL GENERAL LIABILITY COVERAGE PART Coverage(Coverage b.) Limits Of Insurance A. Endorsement-Table of Contents: Coverage a. $1,000 Each Occurrence Coverage: Begins on Page: $5,000 Aggregate 1. Employee Benefit Liability Coverage Coverage b.$5,000'Each Oc .jrrence unless otherwise stated$ 2. Unintentional Failure To Disclose Hazards........._........_..._........................._........_..............9 Deductible Amount(Each Ocairrence) 3. Damage To Premises Rented To You...._........_..._..._........................._........_....._................9 Coverage a.$250 4. Supplementary Payments 10 Coverage b.$250 unless otherwise stated$ 5. Medical Payments.............._..._.........._......................................._........................................10 6. 180 Day Coverage For Newly Formed Or Acquired Organizations...._......................._....10 COVERAGE PREMIUM BASIS RATE ADVANCE PREMIUM 7. Waiver Of Subrogation 11 (a) Area (For Limits in Excess of (For Limits in Excess of 8. AutomaticAddklonalInsured-SpecifiedRelationships: 11 (b) Payroll $5,000) $5,000) • Managers Or Lessors Of Premises; (c) Gross Sales • Lessor Of Leased Equipment; (d) Units • Vendors; (e) Other • State Or Governmental Agency Or Subdivision Or Political Subdivision-Permits b. Care, Custody Or Or Authorizations Relating To Premises;and Control $ • Mortgagee,Assignee Or Receiver TOTAL ANNUAL PREMIUM 9. Property Damage To Borrowed Equipment.............._............................._..................... 14 10. Employees As Insureds-Specified Health Care Services And Good Samaritan Services 15 11. Broadened Notice Of Occurrence 15 12. Nonowned Aircraft 15 13. Bodily Injury Redefined 15 14. Expected Or Intended Injury Redefined 15 15. Former Employees As Insureds............................._....._........_..._...................._..._..._ 15 16. Voluntary Property Damage-Coverage And Care,Custody Or Control Liability Coverage 16 17. Broadened Contractual Liability-Work Within 50'Of Railroad Property 17 18. Alienated Premises 17 B. Limits Of Insurance: • The Commercial General Liability Limits of Insurance apply to the insurance provided by this endorse- el pin ment,except as provided below: ,• o• b� 1. Employee Benefit Liability Coverage tow. Each Employee Limit: $1,000,000 .lh• 1. Aggregate Limit: $3,000,000 Deductible Amount: $ 1,000 • a, 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: $2,500 • Incudes copyrighted material of Insurance Incudes copyrighted material of Insurance GA 233 0917 Services Office,Inc.,with its permission. Page 1 of 17 GA 233 0917 Services Office,Inc.,with Its permission. Page 2 of 17 C. Coverages this endorsement pro- (d) Insufficiency Of Funds (I) Taxes,Fines Or Penalties 1. Employee Benefit LiabilityCoverage vided: Damages arisingout of an Taxes,fines or 9 9 penalties,in- a) You did not have insufficiency of funds to cluding those imposed un- a. The folloCoveraowsng is added to Section I- knowledge of a meet any obligations under der the Internal Revenue : - claim or"suit'on or any plan inducted in the Code or any similar state or Employee Benefit'Liability Cover- before the'first ef- "employee benefit program". local law. age fective date of this • endorsement. (e) Inadequacy Of Perfor- (j) Employment-Related Prac- (1) Insuring Agreement . mance Of Invest- - tices You will be menVAdvice Given With (a) We will pay those sums that deemed to have Respect To Participation Any liability arising out of ' the insured becomes legally knowledge of a any: obligated to pay as damag- claim or "suit' Any daim based upon: es caused by any act,error when any"author- (1) Refusal to employ; or omission of the insured, ized representa- 1) Failure of any invest- or of anyother P ment to perform; (2) Termination of employ person for five'; ment; whose ads the insured is 2) Errors in providing in- legally liable, to which this I) Reports all, or formation on past per- (3) Coercion, demotion, insurance.applies. We will any part,of the formance of investment evaluation, reassign- have the right and duty to ad, error or vehicles;or ment, disdpine, defa- • defend the insured against omission to us motion, harassment, any "suit' seeking those or any other 3) Advice given to any humiliation, discrimina- damages However,we will insurer, person with respect to tion or other employ- have no duty to defend that person's decision to ment-related practices, 'against any suit' seeking II) Receives a participate par- acts or omissions;or written or ver- tidpate ate annotto damages to which this in- bat demand or tdpatin any plan in- • cluded in the"employee (4) Consequential liability surance'does not apply.We claim for dam- may,at our discretion, in- benefitprogram" ages because . as a result of(1),(2)or vestigate any report of an of the act, er- (f) Workers' Compensation (3)above. ad, error.or omission and ror or omis- And Similar Laws This exclusion applies settle any claim or."suit'that • sion;and whether the insured may be •mayresult.But: Any claim arising out of your held liable as an employer 1) The amount wea will pay b) There is no other failure to comply with the or in any other capacity and for damages limited once. insur- mandatory provisions of any - to any obligation to share once. workers' compensation, un- damages with or repay as described in Section employment compensationo n someone else who must pay III,- Limits Of Insur- (2) Exclusions - insurance,soda)security or damages because of the in- ance;and disabilitybenefits law or any insurance does not apply to: jury 2) Our right and duty to similar law. • -:defend ends when we (a) Bodily Injury, Property .. (3) Supplementary Payments ..have used upthe li- Damage Or Personal And (g) ERISA PP Section I - Coverages, Sup- • -cable limit of insurance • Advertising Injury Damages for which any in- plementary Payments-Cover- In the payment of judg- 'Bodily injury", "property sured is liable because of li- ages A And B also-apply to this ments or settlements. damage" or "personal and ability imposed on a fidud- Coverage. No other obligation or liabil- advertising injury". ary by the'Employee Re b. Who Is An Insured ity to pay sums or perform tirement Income Security (b) Dishonest, Fraudulent, Act of 1974, as now or ads••or services is covered Criminal Or Malicious Act hereafter amended, or by As respects Employee Benefit Lia- s unless explicitly provided for any similar federal,state or AnitI Coed is replaced Section It-Who I. under Supplementary Damages arising out of any local laws. An Insured is by the follow. Payments. intentional, dishonest, ing: ' fraudulent, criminal or mali- (h) Available Benefits (1) ou are designated in the Dec- (b) This insurance applies to cious act,error or omission, If y g damages only if the ad,er- committed by any insured, Any daim for benefits to the !orations as: ror or omission,is negligent- includingthe willful or reds- extent that such benefits are (a) As use ar you and your ly committed in the"admin- less violation of any statute. available, with reasonable spouse are insureds,but on- ' istratiorf'of your"employee effort and cooperation of the ly with respect to the con- "benefit program";and (c) Failure To Perform A Con- insured,from the'applicable accrued of a business of which 1) Occurs during the policy tract funds aued or other col- you are the sole owner. !edible insurance: period;or #: Damages arising out of fail- ure of performance of con- (b) A partnership or joint en- 2)' Occurred prior to the tract by any ihsurer. ture, you are an insured. "first effective date" of Your members, your part- - Includes copyrighted material of Insurance Includes copyrighted material of Insurance GA 233 0917 Services Office,Inc.,with Its permission. Page 3 of 17 GA 233 0917 ,Services Office,Inc.,with fts permission. Page 4 of 17 ners,and their spouses are zation.However,coverage under (b) A series of related acts,er- tification of the action taken, also insureds but only with this provision: rors or omissions, regard- you shall promptly reim- respect to the conduct of less of the amount of time burse us for such part of the your business. (a) Is afforded only until the that lapses between such Deductible Amount as we 180th day after you acquire ads,errors or omissions; have paid. (c) A limited liability company, or form the organization or you are an insured. Your the end of the policy period, negligently committed in the d. Additional Conditions members are also insureds, whichever is earlier;and "administration"of your"employ- As respects Employee but only with respect to the eebenefit program'. pe Benefit Lia- conduct of your business (b) Does not apply to any ad, bility Coverage,Section IV-Corn- Your managers are in- error or omission that was However,the amount paid under merclal General Liability Condi- sureds,but only with respect committed before you ac- - this endorsement shall not ex- tions is amended as follows: to their duties as your man- quired or formed the organi- ceed,and will be sutject to the agars. zation. limits and restrictions that apply '(1) Item 2.Duties In The Event Of c. Limits Of Insurance to the payment of benefits in any Occurrence,Offense,Claim Or (d) An organization other than a plan included in the"employee p by following: partnership,joint venture or As respects Employee Benefit Lia- benefit program.' 2. Duties In The Event Of An limited liability company,you bility Coverage,Section 111-Limits Act,Error Or Omission,Or are an insured.Your"execu- Of Insurance is replaced by the fol- (4) Deductible Amount Claim Or Suit five officers" and directors lowing: (a) Our obligation to pay dam- are insureds, but only with ages on behalf:of the in- a. You must see to it that respect to their duties as (1) The Limits of Insurance shown in sured applies only to the we are notified as soon your officers or directors. Section B.Limits Of Insurance, amount of damages in ex- as practicable of an act, Your stockholders are also 1. Employee Benefit Liability cess of the -Deductible error or omission which insureds, but only with re- Coverage and the rules below fix Amount stated in the Deda- may result in a daim. sped to their liability as the most we will pay regardless rations as applicable to To the extent possible, - stockholders. of the number of. Each Employee.The limits notice should include: (e) A trust,you are an insured. Insureds; of insurance shall not be re (a) (1) What the act,error Your trustees are also in- duced by the amount of this or omission was sureds,but only with respect (b) Claims made or "suits" deductible. and when it on- to their duties as trustees. • brought; (b) The Deductible Amount - - curred;and (2) Each of the following is also an (c) Persons or organizations stated in the Declarations .(2) The names and insured: making daims or bringing applies to all damages sus- _ addresses of any- "Suits"; tained.by any one"employ- one who may suf- (a) a (a) Each of your "employees" ee",including such"employ- fer damages as a who is or wee authorized to (d) Acts,errors or omissions;or ee's"dependents and bene- result of the ad, administer your "employeefidaries,because of all acts, (e) "employee induded inyourerror or omission. benefit program"; errors or omissions to which "employee benefit program". (b) Any persons, organizations this insurance applies. b. If a daim is made or or"employees" (2) The Aggregate Limit shown in "suit'is brought against having prop- Section B.Limits Of Insurance, (c) The terms of this insurance, any assured,you must: er temporary authorization 1. Employee Benefit bility including those with respect Liability to administer your"employ- ee benefit program" if you Coverage of this endorsement to:is J". (1) Immediately record die,but only until your legal the most we will pay for all dam the 1) Our right an'tt duty to claim or he "ssuuif'fand ages because of ads,errors or defend the insured representative is appointed; omissions negligently committed the date received; or in the "administration" of your again .han41 q.'suits" and seekingthg5e;rdamag- c Your legal representative if "employee benefit program". es;aid ecq (2) Notify us as soon you die, but only with re- (3) Subject to the limit described in w�.,, as practicable. sped to duties as such.That 2) Your dutik apct the du- (2) above, the Each Employee ties of representative will have allany uothin in-e You must see to it that Limit shown in Section B.Limits volved insured', in the we receive written no- your rights and duties under Of Insurance, 1. Employee this Coverage Part. eventmiof,an act,error or ce of the claim "suit' Benefit Liability Coverage of omission,or claim; as soon as practicable. (3) Any organization you newly ac- this endorsement is the most we quire or form,other than a part- will pay for all damages sus- apply irrespective of the ap- c. You and any other in- nership,joint venture or limited faired by any one "employee", plication of the Deductible volved insured must: liability company,and over which including damages sustained by Amount. you maintain ownership or major- such "employee's" dependents (1) Immediately send ity interest, will qualify as a and beneficiaries,as a result of: (d) We may pay any part or all us copies of any NNamed Insured if no other similar of the Deductible Amount to demands, notices, amed n applies to that organi- (a) An act,error or omission;or effect settlement of any summonses or le- claim or"suit'and,upon no- -gal -'papers re- Includes copyrighted material of Insurance Includes copyrighted material of Insurance GA 233 0917 Services Office,Inc.,with ds permission. 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Unintentional Failure To Disclose Haz- 2) Rust or other cor- 2) Basements, you with permission of ands rasion, decay, de- whether paved or the owner, terioration, hidden not;or Section IV-Commercial General Liabg- or latent defect or - b. in the case of damage Ity Conditions, 7. Representations is any quality in 3) Doors,windows or by fire,explosion,light- amended by the addition of the following: property that taus other openings. ping, smoke or soot, Based on our dependence upon your rep- es it to damage or (c) 'Property damage" caused while rented to you;or resentations as to existing hazards,if un- destroy itself by or resulting from water c. In,the case of damage intentionally you should fail to disclose all 3) Smog; that leaks or flows from by water, while rented such hazards at the inception date of your plumbing,heating,air condi- to and occupied by you. policy,we will not reject coverage under 4) Mechanical break- tioning, fire protection sys- this Coverage Part based solely on such • down, including terns, or other'equipment, (2) The most we will pay is limited as failure. rupture or bursting caused by or resulting from described in Section B. Limits caused by centrif- freezing,unless:. Of Insurance, 3. Damage To 3. Damage To Premises Rented To You ugal force; Premises Rented To You of this () You did your best to endorsement. a. The last Paragraph of 2.Exclusions 5) Settling, cracking, maintain heat in the under Section I-Coverage A-Bod- shrinking or ex- building or structure;or 4. Supplementary Payments Ily Injury And Property Damage LI- pension; Under Section I -Supplementary Pa ability is replaced by the following: (II) You drained the equip PP rY y- Exdusions c.through do not I 6) Nesting or infesta- ment and shut off the ments-Coverages A And B: g q• apply tion, or discharge water supply'if the heat to"property damage'by fire,explo- a. Paragraph 2.is replaced by the fd- sion, lightning, smoke or soot to or release of waste was not maintained. lowing: products or sacro- premises while rented to you or tern- tions, by insects, (d) "Property damage"to: Up to the limit shown in Section B. porarily occupied by you with permis- birds, rodents or Limits Of Insurance,4.a.Bail Bonds sion of the owner, for which the (i) Plumbing, heating, air amount we will payis limited to the other animals;or conditioning,fire proteo- of this endorsement for cost of bail bonds required because of accidents Damage To-Premises Rented To 7) Presence, growth, tion systems, or other q You Limit as described in Section III proliferation, equipment'or appliano- or traffic law violations arising out of -Limits Of Insurance. spread or any ac- es;or the use of any vehicle to which the Bodily Injury Liability Coverage ap- b. The insurance provided under Sec- tivity of fungus,in- (Ii) The interior of any plies.We do not have to furnish these F cluding mold or buildng or structure,or bonds. tion I-Coverage A-Bodily Injury mildew, and any in And Property Damage Liability ap- mycotoxins, to personal or property e, b. Paragraph 4.is replaced bythe fol- hes to"propertydamage"arisingout y the building structure, p P P 9 spares, scents or caused by or resulting lowing: of water damage to premises that are byproducts� pro- from rain,snow,sleet or both rented to and occupied by you. duced or released ice, whether driven byAll insured ate expenses incurred by by fungi. the insured our orrequesteto assist hus e (1) As-respects Water Damage Le- wind or not. in the investigation or defense of the gal Liability,as provided in Para- (b) Property damage" caused c. Limit Of Insurance claim or'Suit",including actual loss of graph 3.b.above: directly or indirectly by any earnings up to the limit shown in Sec- The exclusions under Section I- of the following: With respect to the insurance afford- tion B. Limits Of Insurance, 4.b. Coverage A-Bodily Injury And Earthquake, volcanic ed in Paragraphs 3.a.and 3.b.above, Loss Of Earnings of this endorsement Property Damage Liability, 2. (� the Damage To Premisffs'Rented per day because of time off from P rty 9 ity, eruption, landslide or To You Limit as shown kWthe Decla- work. Exclusions, other than I. War any other earth move- rations is amended asfolloarti and the Nuclear Energy Liabil- ment; " -i; 5. Medical Payments Ity Exclusion(Broad Form),are (1) Paragraph 6. of.-3ggtlon 111 - deleted and the following are (I) Water that backs up or Limits Of InsuranuieElb.repiaced The Medical Expense Limit of Any One added: overflows or is other- the Person as stated in the Declarations is wise discharged from a by following: X'`'` amended to the limit shown in Section B. This insurance does not apply to: sewer, drain, sump, 6. Subject to Paraph 5. Limits Of Insurance, 5. Medical Pay- (a) 'Property damage": sump pump or related above, the D age To ments of this endorsement equipment; Premises Rented To You (I) Assumed in any con- Limit is the most'we will pay 6. 180 Day Coverage For Newly Formed tract or agreement or (ii)Water under the ground under Coverage A-Bodily Or Acquired Organizations surface pressing on,or Injury And PropertyDam- (Ii) Caused by or resulting flowing or seeping aJ ryamendedes Section aII - Who Is An Insured is from any of the follow- through: becausee bof"property as follows: darn- ing: age" onepremises: Subparagraph re- 1) Foundations,walls, 9' any p graph a. of Paragraph 3. is 1) Wear and tear; floors or paved a. While rented to you, or placed by the following: surfaces; temporarily occupied by a. Insurance under this provision is af- • forded only unti the 180th day after Includes copyrighted material of Insurance Includes copyrighted material of Insurance GA 233 0917 Services Office,Inc.,with its permission. Page 9 of 17 GA 233 0917 Services Office,Inc.,with its permission. Page 10 of 17 c you acquire or form the organization use of that part of the prem- vendor's business, subject or repair opera- or the end of the policy period, uses leased to you, subject to the following additional tions, except such whichever is earlier; to the following additional exclusions .operations per- exclusions: - ' formed at the ven- 7. Waiver Of Subrogation (I) The insurance afforded This insurance does not ap- the vendor•does not • conn premises in Section IV-Commercial General Liabg- sale octheion roh the; ity Conditions,9.Transfer Of Rights Of ply to: apply to: ri' sale of the product; Recovery Against Others To•Us is (i) Any"occurrence"which 1) "Bodily„,injury' or 7) Products which,af- amended by the addition of the following: takes place after you "property damage" cease to be a tenant in for which the yen- ter dibstribution h or We waive any right of recovery we may sale labeled you, have re- have against any person or organization that premises; dor is o tg es to against whom you have agreed to waive (Ii) Structural alterations, pay da'ages by been or reasgn: the as- • labeled or used as such right of recovery in a written contract new construction or a container,part or or agreement because of payments we demolition operations sumpt ofi of liability ingredient of any make for injury or damage arising out of performed by or on be in a contract Thisor stanc thing for your ongoing operations or'your work" half of such additional exdL m 9 fk, stance by or for the done under a written contract or agree- insured. appiyyto. jjoes not • vendor;or • ment with that-person or organization and daMagapply ao.ilthaty for or included in the"products-completed oper- (b) Lessor Of Leased Equip- vendor t9.lhat the 8) "Bodily injury' e" aliens hazard".However, our rights may meet .vendor Wlluld have "property damage" only be waived prior to the"occurrence" in contract of arising out of the giving rise to the injury or damage for Any person or organization the contract or • 'sole negligence of which we make payment under this Coo- from whom you lease agreement; the vendor for its p.y equipment when you and own acts br omis- erage Part.The insured must do nothing such person(s)or organiza- 2) Any express war- • ' sions or those of after a loss to impair our rights.At our re- tion(s)have agreed per Par- _ ranty unauthorized •" its employees or quest,the insured will bring"suit'or trans- agraph 8.a.(1) of this en- by you; anyone else acting fer those rights to us and help us enforce dorsement to provide insur- on its behalf.How those rights. • 3) Any physical or . once.Such person(s)or or- ever,this exclusion chemical change in • 8. Automatic Additional Insured--Sped- ganization(s) are insureds the product made does not apply to: • fled Relationships • ' ' • only with respect to liability intentionally by the • "bodily injury', 'property vendor; a) The excep- forned a. The following is added to Section II- damage" or "personal and tions r graphs Who Is An insured: advertising injury'caused,in 4) Repackaging, ex- in Paragraphs (1) Any person(s)or organization(s) whole or in part, by your kept when un- of) (I)ts4)or en) maintenance, operation or packed'solely for described in Paragraph 8.a.(2)of use of equipment leased to the purpose of in- dorsement;or this endorsement(hereinafter re- you by such person(s)or or- spection, demon- b) Such ins ferred to as additional insured) ganization(s).A person's or station;testing,or P� whom you are required to add as organization's status as an the substitution of tions, a s or r an additional insured under this additional insured under this parts under in- mevicits,tests s Coverage Part•by reason of a the vendorng as written contract, written agree- endorsement ends agreement when manufacturer, fromer, the their contract or manufacturer, and the has ment, written permit or written with you for such leased then repackaged in agreed to authorization. equipment ends. However, the original con- • make or nor- y under- (2) Only the following persons or or- this insurance does not ap- tamer; takes ms to make ganizations are additional in- ply to any "occurrence" • which takesplace after the 5) Any failure to make to the usual sureds under this endorsement, . such..inspections, course of and insurance coverageprovided equipment lease expires. aclustrnents, tests g business, in to such additional insureds is lira- (c) Vendors or servicing as the connection ited as provided herein: vendor has agreed with the distri- Or Lessors Of Any person or organization to make or normal- bution or sale (a) Managers 9 (referred to below as van- Iy undertakes to of the prod- Premises dor) with whom you haw ,ucts. course manager or lessor of a agreed per Paragraph s•in the usual course of bush- I This insurance does not premises leased to you with 8.a.(1)of this endorsement ness,in-connection whom you have agreed per to provide insurance,but on- with the distribution apply to any insured I with respect to'bodily in- person or organization: Paragraph 8.a.(1)of this en- y y or sale of the dorsement to provide insur- jury" or "property damage" products; 1) 'From whom you • ance, but only with respect arising out of'your products" have acquired which are distributed or sold 6) Demonstration, in-to liability arising'out of thesuch products, or in ownership, maintenance or the regular course of the saltation,servicing any ingredient,part Includes copyrighted material of Insurance Includes copyrighted material of Insurance GA 233 0917 Services Office,Inc.,with is permission. Page 11 of 17 GA 233 0917 Services Office,Inc,with is permission. Page 12 of 17 • or container,enter- (e) Mortgagee, Assignee Or in Paragraph 8.a.(1)of this en- tion I-Coverage A-Bodily Injury ing into,accanpa- Receiver dorsement;or And Property Damage Liability: nying or containing such products;or Any person or organization (2) Available under the:applicable f Paragraphs(3)and(4)of this exclu- with whom you have agreed Limits of Insurance shown in the sion do not apply to tools or equip- _ 2) When liability in- per Paragraph 8.a.(1)of this Declarations; ment loaned to you,provided they are cluded within the endorsement to provide in- not being used to perform operations 'products- surance, but only with re- whichever is less. at the time of loss. completed opera- sped to their liability as tons hazard" has mortgagee,assignee,or re- This endorsement Li shall not increase b. With respect to the insurance dorse- been excluded'un- sewer and arising out of the the applicable Limits of Insuranceed by this section of the endorse- shown in the Declarations.• ment, the followingadditional rovi- der this Coverage ownership, maintenance, or P Part with respect to use of the premises by you. c. Section IV - Commercial General sions apply: such products. However, this insurance Liability Conditions is amended to (1) The Limits of Insurance shown in State Or Governmental does not apply to structural include the following: p by (d) alterations,new construction the Declarations are replaced Agency Or Subdivision Or and demolition operations Automatic Additional Insured Pro- the limits designated in Section Political Subdivision - vision B. Limits Of Insurance, 9. performed by or for that per- a Permits Or Authorizations son or organization. Property Damage To Borrowed Relating To Premises This insurance applies only if the Equipment of this endorsement rage provid- Any state or governmental (3) The insurance be o addi-a "bodiloccurs,or the"pr er"property and adverttiis edth byfnth s endord to se ent.These tional insureds described in Par- P agency or subdivision or p0- agraph 8.a.(1) of this endorse- ing injury'offense is committed: limits are inclusive of and not in litical subdivision with which ment: addition to the limits being re- you have agreed per Para- (1) During the policy period;and placed.The Limits of Insurance graph 8.a.(1) of this en- ':(a) Only applies to the extent (2) Subsequent to your execution of shown in Section B. Limits Of dorsement to provide insur- permitted by law;and the written contract or written Insurance,9.Property Damage ance, subject to the follow- agreement,or the issuance of a - To Borrowed Equipment of this (b) Will not be broader than that ing additional provision: endorsement fix the most we will which you are required by written permit or written authori- This insurance applies only the written contract, written zation, described in Paragraph pay in any one"occurrence"re- with-respect to the following - agreement,written permit or 8.a.(1). gardless of the number of: l hazards for which the state written authorization to pro- (a) Insureds; or governmental agency or vide for such additional in- d. Section CIV- Cions is amendedial Genasral Liability Conddlons is as (b) Claims made or "suits" subdivision or political sub- sured;and follows: • division has issued a permit brought;or . or authorization in conned (c) Does not apply to any per- Condition 5. Other Insurance is tion with premises you own, son, organization, vendor, amended to include: (e) Persons or organizations rent or control and to which state, governmental agency making claims or bringing or--subdivision orpolitical PrimaryAnd NoncontributoryIn- 'suits". - this insurance applies: subdivision, specifically surance (2) Deductible Clause (I) The existence, mainte- named as an additional in- nance,repair,construc- . sured under any other provi- This insurance is primary to and will (a) Our obligation to pay darn- lion,erection or removal sion of, or endorsement not seek contribution from any other ages on your behalf applies of advertising signs, added to, this Coverage insurance available to an.edditional only to the amount of dam- awnings,canopies,cel- Part, provided such other insured per Paragraph 8.a(1)of this ages for each"ocaurence" lar entrances, coal provision or endorsement endorsement provided thafiou- which are in excess of the holes, driveways, man- covers the injury or damage , ',. Deductible Amount stated in holes, marquees, hoist for which this insurance ap- (1) Na daInsuredsi edl �ndinersu is a Section B.Limits Of Insur- Namd under such other away openings, side- - plies. insurance;and c ance, 9.Property Damage walk vaults,street ban- To Borrowed Equipment of ners or decorations and b. With respect to the insurance afford- (2) You have agreed in writing similar exposures;or ed to the additional insureds de- contract, a greemen t or this insurance will The limits pce g tp�permit of insurance will not be re- saibed in Paragraph 8.a.(1) of this authorization describgd In 8.a.(2) duoed by the application of (10 The construction, erec- endorsement,the following is added of this endorsement that this in- such deductible amount. tion or removal of eleva- to Section III-Limits Of Insurance: surance would be primary and c tors;or (b) Section IV - Commercial The most we will pay on behalf of the would not seek contribution from General LiabilityCondi- (iii)The ownership,mainte- additional insured is the amount of in- any other insurance available to nance or use of any el- surance: the additional insured. tions, 2. Duties In The - evators covered by this Event Of Occurrence, Of- insurance. (1) Required by the written contract, 9. Property Damage To Borrowed Equip- fence, Claim Or Suit, ap, written agreement,written permit ment plies to each claim or"suit' or written authorization describedirrespective of the amount. a. The following is added to Exclusion 2.J.Damage To Property under Sec- Includes copyrighted material of Insurance Includes copyrighted material of Insurance GA 233 0917 Services Office,Inc.,with ds permission. Page 13 of 17 GA 233 0917 • Services Office,Inc.,with its permission. Page 14 of 17 (c) We may pay any part or all 12. Nonowned Aircraft 16. Voluntary Property Damage Coverage (2) Exclusions of the deductible amount to The followingis added to Exclusion 2. a. Coverage D -VoluntaryPropertyThis insurance does not I to effect settlement of any 9• 9 apply claim or"suit'and,upon no- Aircraft,Auto Or Watercraft under Sec- Damage Coverage "property damage that would be tification of the action taken, tion I-Coverage A-Bodily Injury And excluded by Coverage A-Bodl- you shall promptly calm- Property Damage Liability: Section I-Coverages is amended to ly injury And Property Damage include the following: Liability,2.Exclusions,except burse us for such part of theitY eP This exclusion does not apply to an for.Damage To Property, air- deductible amount as has craft you do not own,provided that: (1) Insuring Agreement ) 9 par- been ar been paid by us. agraphs(3),(4),(5)and(6), k. a. The pilot in command holds a current (a) We will pay the cost to re- Damage To Your Product,and 10. Employees As insureds - Specified effective certificate,issued by a duly pair or replace "property I.Damage To Your Work. Health Care Services And Good Samar- constituted authority of the United damage"to proppfty of oth- [tan Services.. States of America or Canada,desig- ers arising out*operations (3) Definitions natio thatperson as a commerdal or incidental to your,business For Paragraph 2.a.(1)(d) under Section II - g when: M purposes of Voluntary Who is An Insured does riot apply to: airline transport pilot; - Property Damage Coverage a. Your"employees"who provide pro- b. The aircraft is rented with a trained, 1) Damageais caused by only,the following definitions un- der crew;and you; ;c 4 Section V-Definitions are fessional health care services on your paid11/...,, replaced by the following: behalf as a:duly licensed nurse, G The aircraft does not transport per- 2) Damage'occuswhile in emergency medical technician or sons or cargo for a charge. your possesgyon. 16. 'Occurrence means an in- paramedic in the jurisdiction where an q•{• cident,including continuous "occurrence"or offense to which this 13. Bodily Injury Redefined At your written regfrest,we or repeated exposure to insurance applies takes place;'or will make this payment re- substantially the same gen- Section V-Definitions,4."Bodily injury' gardless of whether you are eral harmful conditions that b. Your"employees"or'volunteer work- is replaced by the following: at fault for the "property result in"property damage". ers",other than an employed or vol- damage". unteer doctor, providing first aid or 4. "Bodily injury"means bodily harm or 20. 'Property damage" means good samaritan services during'their injury, sickness, disease, disability, If you, at our request, re- physical injury to tangible work hours for you will be deemed to humiliation,shock,fright,mental an- place, or make any repairs property.-"Electronic data"is be acting within the scope of their guish or mental injury,including care, to, damaged property of not tangible property, and employment by you or performing du- loss of services or death resulting others, the amount we will "property damage"does not ties related to the conduct of your from any of these at any time. pay under Voluntary Prop- include disappearance, ab- business. •• 14. Expected Orintended In u Redefined arty Damage'Coverage will straction or theft. Injury be determined by your actu 11. Broadened Notice Of Occurrence The last sentence of Exclusion 2.a.Ex- al oust to replace or repair b. Care,Custody Or Control Liability acted Or Intended Injury - the damaged property, ex- Coverage Paragraph a. of Condition 2. Duties P j ry under Seceluding anyprofit or over-The Event Of Occurrence, Offensee,, tion I-Coverage A-Bodily injury And For purposes of the coverage provid- Claim Or Suit under Section IV-Com- Property Damage Liability is replaced by head. -- ed by Care,Custody Or Control LI- mercial General Liability Conditions is the fdlowing: Any payment we make un- ability Coverage in this endorsement replaced by the following: This exclusion does not apply to"bodily der Voluntary Property only: a. You must see to it that we are notified injury"or"property damage"resulting from Damage Coverage shall not (1) Section I-Coverage A-Bodily the use of reasonable force toprotect be interpreted as an admis- as soon as practicable of an"occur- Per- Injury And Property Damage sons or ro sion of liability by you or by canoe"or an offense which may resultproperty. Liability, 2.' Exclusions, J. Subpara- in a daim.To the extent possible,no us. Damage To Property,tice should include: 15. Former Employees As Insureds - It shall beyour du graphs(3),(4)and(5)do not ap- The duty,'not our g P ( ) P The following is added to Paragraph 2. duty,to defend any claim or ply to'property damage"to the (1) How,when and where the"oc- under Section II-Who Is An Insured: "suit'to which this insurance property of others described currence"or offense took place; applies. therein. 2. Each of the following is also an in- ' (2) The names and addresses of sured: No other obligation or Habil- (2) It shall be your duty,not our duty, any injured persons and wit- ity to pay sums,or perform to defend any daim or"suit'to nesses;and Any of your former"employees", di- acts or services is covered. which this insurance applies. rectors, managers, members, part- (3) The nature and location of any nets or"executive officers",including (b) This insurance applies to No other obligation or liability to irjury or damage arising out of but not limited to retired,disabled or "property damage"only if pay sums or perform acts or ser- the"occurrence"or offense. those on leave of absence,but only vices is covered. • ' This requirement applies only when for acts within the scope of their em- 1) The"property damage" the"occurrence"or offense is known ployment by you or for duties related takes place in the"cov_ This Paragraph (2) supersedes any provision'in'the Coverage erage territory';and to an"authorized representative". to the conduct of your business. Part to the contrary. 2) The"property damage" occurs during the policy (3)."Property'damage" for which period. Care,Custody Or Control Lia- bility Coverage provides cover- Includes copyrighted material of Insurance Includes copyrighted material of Insurance GA 233 0917 Services Office,Inc.,with is permission. Page 15 of 17 GA 233 0917 Services Office,Inc.,with its permission. Page 16 of 17 age shall be deemed to be (3) The Voluntary Property Dam-. . caused by an "occurrence"but age Coverage,Aggregate Limit shall not serve to limit or restrict Of Insurance is the most we will the applicability of any exclusion , pay for the sum of all damages . for"property damage"under this under Voluntary Property Coverage Part. Damage•Coverage. This limit c. Limits Of Insurance And Deducts- applies separately to each"cov- erage term". bles For purposes of the coverage provid- (4) Deductible Clause ed by Voluntary Property Damage (a) Our obligation to pay dam- Coverage and Care, Custody Or ages on your behalf applies Control Liability Coverage,Section only to the amount of dam- III-Limits Of Insurance is amended ages for each"occurrence" , to include the following: which are in excess of the (1) •The Limits of Insurance shown in • Deductible Amount stated for the applicable coverage the Declarations are replaced by in the Schedule. The limits • the limits designated in Section of insurance will not be re- B. Limits Of Insurance, 16. duced by the application of Voluntary Property Damage such Deductible Amount. ' Coverage And Care, Custody Or Control Liability Coverage, ' • (b) Section IV - Commercial in this endorsement.These limits General Liability Condi- are inclusive of,and not in addi- tions, 2. Duties In The tion to,the limits being replaced. Event Of Occurrence, Of- The Limits of Insurance shown in fense, Claim Or Suit, ap- the Schedule fix the most we will plies to each claim or"suit' pay regardless of the number of: irrespective of the amount. (a) Insureds, (c) We may pay any part or all , Claims made or "suits" of the Deductible Amount to (b) effect settlement of any brought;or claim or"suit'and,upon no- (c) Persons or organizations tification of the action taken, making claims or bringing you shall promptly reim- "suits". burse us for such part of the • Deductible Amount as has (2) (a) Subject to (3) below, the ,. been paid by us. Voluntary Property Dam- 17. Broadened Contractual LiabilityWork 50' Dam- age Coverage,Each Occurs Within Of Railroad Property rence Limit Of Insurance is the most we will pay for the Section V-Definitions,12.."Insured con- sum of damages under Vol- tract"is amended as follows: untary Property Damage ,d a„ Coverage; a. Paragraph c.is replaced by the fol- '(Cl'.; (b) The Care,Custody Or Con- lowing: 1 0.. trol Liability Coverage, c. Any easement or license agree- Each Occurrence Limit Of ment; uT Insurance is the most we will pay for the sum of damages b. Paragraph f.(1)is deleted in its entire- Gln', . under Care, Custody Or h' Control Liability Coverage; 18. Alienated Premises because of all"property damage" Exclusion 2j. Damage to Property, arising out of any one "occur- Paragraph(2)under Section I-Cover- rence". age A -.Bodily Injury And Property • Damage Liability does not apply if the premises are"your Hark". Includes copyrighted material of Insurance GA 233 0917 Services Office,Inc.,with its permission. Page 17 of 17 THIS ENDORSEMENT CHANGES THE POLICY.PLEASE READ IT CAREFULLY. However, any "auto" that is leased, a. Is effective on the date of acquisition hired,rented or borrowed with a driver or formation,and is afforded for 180 is not a covered"auto". days after such date; CinciPlus® E. Audio, Visual and Data Electronic Equip- b. Does nota I to "bodilyinjury" or BUSINESS AUTO XC+® ment q p "property damage"resultig roan "accident" that occurred before you SECTION III - PHYSICAL DAMAGE COV- (EXPANDED COVERAGE PLUS) ERAGE, C. Limit of Insurance is amended acquired or formed the organization; ENDORSEMENT by adding the following:• c. Does not apply to any newly acquired 4. The most we will pay for all"loss"to au- or formed organization that is a joint venture or partnership;and dio, visual or data electronic equipment This endorsement modifies insurance provided by the following: and any accessories used with this d. Does not apply to an insured under • ' equipment as a result of any one "acci- any other automobile liability policy, BUSINESS AUTO COVERAGE FORM dent"is the lesser of: or would be an insured under such a a. The actual cash value of the dam- policy but for the termination of such • aged or stolen property as of the time policy or the exhaustion of such poli- With respect to the coverage provided by this endorsement,the provisions of the Coverage Form apply unless of the"accident"; cy's limits of insurance. modified by this endorsement. • b. The cost of repairing or replacing the 3. Any of your "employees" while using a damaged or stolen property with oth- covered "auto" in your business or your A. Blanket Waiver of Subrogation This provision does not apply unless the valid er property of like kind and quality;or personal affairs,provided you do not own, written contract has been: hire or borrow that"auto". SECTION IV - BUSINESS AUTO CONDI- c. $2,500. Supple- TIONS,A. Loss Conditions,5.Transfer of 1. Executed prior to the accident causing G. Liability Coverage Extensions -Rights of Recovery Against Others to Us is "bodily injury"or"property damage";and Provided the equipment,at the time of the mentary Payments-Higher Limits amended by the addition of the following: 2. Is still in force at the time of the"accident" "loss"is: SECTION II - LIABILITY COVERAGE, A. We waive any right of recovery we may have causing "bodily injury"or"property dam- a. Permanently installed in or upon the Coverage,2.Coverage Extensions,a.Sup- against any person or organization because of age". covered"auto"in a housing,opening plementary Payments is amended by: payments we make for "bodily injury" or or other location that is not normally "propertydamage"arisingout of the operation D. Employee Hired Auto 1. for bail Replacing the with$$2,000 Limit Insurance 9 P used by the "auto" manufacturer for for bail bonds $4,000 in(2);and of a covered"auto"when you have assumed 1. Changes in Liability Coverage the installation of such equipment; liability for such "bodily injury" on"property 2. Replacing the$250 Limit of Insurance for damage"under an "insured contract",provid- The following is added to the Section II- b. Removable from a permanently in- reasonable expenses with$500 in(4). ed the"bodily injury"or"propeity damage"oc- Liability Coverage, A. Coverage, 1. stalled housing unit as described in curs subsequent to the execution or the "in- Who is an Insured: Paragraph 2.a.above;or H. Amended Fellow Employee Exclusion sured contract". An "employee" of yours is an "insured" c. An integral part of such equipment. SECTION II-LIABILITY COVERAGE,B.Ex- - B. Noncontributory Insurance while operating an"auto"hired or rented F. Who is an Insured-.Amended follows: ns,5.Fellow Employee is modified as under a contract or agreement in that follow SECTION IV - BUSINESS AUTO CONDI- "employee's"name,with your permission, SECTION II - LIABILITY COVERAGE, A Exclusion 5.Fellow Employee TIONS,B.General Conditions,5.-Other In- while performingduties related to the is deleted. surance c.is replaced by the following: by adding the Who is : Insured is amended conduct of your business. by adding following: I. Hired Auto-Physical Damage c. Regardless of the provisions of Par- 2. Changes in General Conditions The following are"insureds": If hired"autos"are covered"autos"for Liability agraph a. above, this Coverage Coverage,then Comprehensive and Collision . Form's Liability Coverage is primary SECTION IV- BUSINESS AUTO CON- 1. Any subsidiary which is a legally incorpo- Physical Damage Coverages as provided un- and we will not seek contribution DITIONS, B. General Conditions, 5. rated entity of which you own a financial der SECTION III - PHYSICAL DAMAGE from any other insurance for any Iia- Other Insurance is amended by replac- interest of more than 50% of the voting COVERAGE of this Coverage Part are ex- bility assumed under an "insured ing Paragraph 5.b.with the following: stock on the effective date of this cover- tended to"autos"you hire, subject to the fol- contract"-that requires liability to be b. For Hired Auto Physical Damage age form. lowing: assumed on a primary,noncontributo- Y 9 ry basis. Coverage the following are deemed However, the insurance afforded by this 1. The most we will pay for "loss" to any to be covered"autos"you own: provision does not apply to any subsidiary hired"auto"is$50,000 or the actual cash C. Additional Insured by Contract ' that is an "insured" under any other au- value or cost to repair or replace,which- (1) Any covered "auto" you lease, tomobile liability policy, or would be an P p SECTION II - LIABILITY COVERAGE, A. hire,rent or borrow;and "insured"under such policy but for fermi- ever is the least,minus a deductible. Coverage,I.Who is an Insured is amended nation of such policyor the exhaustion of 2. The deductible will be equal to the largest to include as an insured any person or organi- (2) Any covered "auto" hired or q 9 zation with which you have agreed in a valid rented by your"employee"under such policy's limits of insurance. deductible applicable to any owned"auto" written contract to provide insurance as is af- a contract in that individual"em_ for that coverage,or$1,000,whichever is to ee's" name, withyourper- 2. Any organization that is newly acquired or forded by this policy. - P Y formed by you and over which you main- less. mission,while performing duties tain majority ownership. The insurance 3. Hired Auto -Physical Damage coverage This provision is limited to.the scope of the related.to the conduct of your provided by this provision: - is excess over any other collectible insur- valid written contract. business. ance. Includes copyrighted material of ISO Includes copyrighted material of ISO AA 288 01 16 Properties,Inc.,with its permission. Page 1 of 4 AA 288 01 16 Properties,Inc.,with its permission. Page 2 of 4 4. Subject to the above limit,deductible,and K. Transportation Expense-Higher Limits 2. SECTION V-DEFINITIONS is amended P. Unintentional Failure to Disclose Hazards excess provisions we will provide cover- by adding the following, but only for the age equal to the broadest coverage appli- SECTION III - PHYSICAL DAMAGE COV- purposes of this Loan or Lease Gap SECTION IV - BUSINESS AUTO CONDI- cable to anycovered "auto"you own in- ERAGE, A. Coverage, 4. Coverage Exten- TIONS,B. General Conditions,2.Conceal- sured Coverage: under this policy. sions is amended by replacing $20 per day ment, Misrepresentation or Fraud is with $50 per day, and $600 maximum with "Total loss" means a "loss" in which the amended by adding the following: Coverage includes loss of use of that hired au- $1,500 maximum in Extension a.Transpor- cost of repairs plus the salvage value ex- to. provided it results from an "accident"for tation Expenses. ceeds the actual cash value. However,if you unintentionally fail to disclose which you are legally liable and as a result of any hazards existing on the effective date of • which a monetary loss is sustained by the L. Airbag Coverage N. Glass Repair-Waiver of Deductible this Coverage Form,we will not deny cover- leasing or rental concern. The most we will SECTION III - PHYSICAL DAMAGE COV- SECTION III - PHYSICAL DAMAGE COV- age under this Coverage Form because of pay for any one"accident"is$3,000. ERAGE, B. Exclusions,3.a.is amended by ERAGE,D.Deductible is amended by adding such failure. If a limit for Hired Auto-Physical Damage is adding the following: the following: Q. Mental Anguish Resulting from Bodily Inju- shown in the Schedule,then that limit replac- However, the mechanical and electrical No deductible applies to glass damage if the ry es,and is not added to,the$50,000 limit indi- breakdown portion of this exclusion does not glass is repaired in a manner acceptable to us SECTION V-DEFINITIONS,C."Bodily inju- cated above. apply to.the accidental discharge of an airbag. rather than replaced. ry"is deleted in its entirety and replaced by J. Rental Reimbursement This coverage for airbags is excess over any the following: other collectible insurance or warranty. O. Duties-in-the-Event-of-an Accident,Claim, SECTION III - PHYSICAL DAMAGE is Suit or Loss-Amended "Bodily injury"means bodily injury,sickness or amended by adding the following: M. Loan or Lease Gap Coverage disease sustained by a person,including men- talSECTION IV - BUSINESS AUTO CONDI- anguish and death sustained by the same 1. We will pay for rental reimbursement ex- 1. `SECTION III - PHYSICAL DAMAGE TIONS,A.Loss Conditions,2.Duties in the person that results from such bodily injury, penses incurred by you for the rental of COVERAGE, C. Limit of Insurance is Event of Accident,Claim,Suit or Loss,a.is sickness or disease. "Bodily injury"does not an"auto"because of a"loss"to a covered deleted in its entirety and replaced by the amended by adding the following: include mental anguish or death that does not "auto".Payment applies in addition to the following, but only for private passenger result from bodilysickness or disease. type"autos'with an original loan or lease, This condition applies only when the asci- m1ury, otherwise applicable amount of each cov- yp g dent"or"loss"is known to: erage you have on a covered"auto".No and only in the event of a "total loss"to R. Coverage for Certain Operations in Con- deductible applies to this coverage. such a private passenger type"auto": 1. You,if you are an individual: nection with Railroads 2. We will pay only for those expenses in- a. The most we will pay for"loss"in any 2. A partner,if you are a partnership; With respect to the use of a covered"auto"in curred during the policy period beginning one"accident"is the greater of. ., operations for or affecting a railroad: 24 hours after the"loss"and ending,re- or 3. An executive officer or insurance manag- (1) The amount due under the terms if you are a corporation; 1. Section V-Definitions,H."Insured con- gardless of the policy's expiration, with of the lease or loan to which er, p tract",1.c.is amended to read: the lesser of the following number of your covered private passenger 4. A member or manager,if you are a lim- days: type"auto"is subject,but will not ited liability company. c. An easement or license agreement; a. The number of days reasonably re- include: 2. Section V-Definitions,H."Insured con- quired to repair the covered"auto".If (a) Overdue lease or loan pay- tract",2.a.is deleted. "loss"is caused by theft,this number ments; of days is added to the number of days it takes to locate the covered (b) Financial penalties imposed "auto"and return it to you;or under the lease due to high mileage, excessive use or b. 30 days. abnormal wear and tear; • 3. Our payment is limited to the lesser of the (c) Security deposits not re • - following amounts: funded by the lessor; a. Necessary and actual expenses in- (d) Costs for extended warran- curred;or ties, Credit Life Insurance, b. $50 per day. Health,Accident or Disabil- ity Insurance purchased 4. This coverage does not apply while there with the loan or lease;and are spare or reserve"autos"available to you for your operations. (e) Carry-over balances from previous loans or leases,or . 5. We will pay under this coverage only that amount of your rental reimbursement ex- (2) Actual cash value of the stolen - penses which is not already provided for or damaged property. under SECTION III - PHYSICAL DAM- b. An adjustment for depreciation and AGE COVERAGE, A. Coverage, 4. physical condition will be made in de- Coverage Extensions. termining actual cash value at the time of"loss". Includes copyrighted material of ISO Includes copyrighted material of ISO AA 288 01 16 Properties,Inc.,with its permission. Page 3 of 4 AA 288 01 16 Properties,Inc.,with its permission. Page 4 of 4