Loading...
The URL can be used to link to this page
Your browser does not support the video tag.
Home
My WebLink
About
Insurance Certificate: Kittelson & Associates, Inc
Client#:763494KITTEASC ACORD,n, CERTIFICATE OF LIABILITY INSURANCE DATE(MM/DD/YYYY) , 12/28/2021 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER.THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND,EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW.THIS CERTIFICATE OF INSURANCE DOES NOT'CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S),AUTHORIZED REPRESENTATIVE OR PRODUCER,AND THE CERTIFICATE HOLDER. IMPORTANT:If the certificate holder is an ADDITIONAL INSURED,the policy(ies)must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED,subject to the terms and conditions of the policy,certain policies may require an endorsement.A statement on this certificate does not confer any rights to the certificate holder in lieu of such endorsement(s). PRODUCER CONTACT Please See Below: USI Insurance Services NW PR (A/C,No,Ext):206 441-6300 FAX No): 610-362-8530 601 Union Street,Suite 1000 ADDRIESS: Seattle.PLCertRequest@usi.com Seattle,WA 98101 INSURER(S)AFFORDING COVERAGE NAIL# INSURER A:Hanover Insurance Company 22292 INSUREDINSURER B:Allmerica Financial Benefit Ins.Co. 41840 Kittelson&Associates,Inc. INSURER C:XL Specialty Insurance Company 37885 851 SW 6th Avenue,Suite 600 Portland,OR 97204 INSURER D: INSURER E: INSURER F: COVERAGES CERTIFICATE NUMBER: REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR ADDL SUBR POLICY EFF POLICY EXP LTR TYPE OF INSURANCE INSR WVD POLICY NUMBER (MM/DD/YYYY) (MM/DD/YYYY) LIMITS A X COMMERCIAL GENERAL LIABILITY X X ZD2D78128003 01/01/2022 01/01/2023 EACH OCCURRENCE $1,000,000 CLAIMS-MADE X OCCUR PREMISESO(ERENTED occu ence) $100,000 _ X Stop Gap MED EXP(Any one person) $10,000 PERSONAL&ADV INJURY $1,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $2,000,000 PRO- POLICY X ECT LOC PRODUCTS-COMP/OP AGG $2,000,000 OTHER: Stop Gap/EL $1,000,000 B AUTOMOBILE LIABILITY X X AW2D78128704 01/01/2022 01/01/2023 EoaBcdeDSINGLELIMIT $1,000,000 X ANY AUTO - BODILY INJURY(Per person) $ OWNED SCHEDULED AUTOS ONLY AUTOS BODILY INJURY(Per accident) $ X AUTOS ONLY X NON-OWNED PROPERTY DAMAGE AUTOS ONLY (Per accident) $ $ A X UMBRELLA LIAB X OCCUR X X UH2D78128103 01/01/2022 01/01/2023 EACH OCCURRENCE $5,000,000 _ EXCESS LIAB CLAIMS-MADE (Follow Form) AGGREGATE $5,000,000 DED X RETENTION$O $ B WORKERS COMPENSATION X WM2D78128903 01/01/2022 01/01/2023 X PER 0TH- ND EMPLOYERS'LIABILITY Y/N STATUTE ER OFFICERR/MEMBER EXCLUDED?ECUTIVE N N/A E.L.EACH ACCIDENT $1,000,000 (Mandatory In NH) E.L.DISEASE-EA EMPLOYEE $1,000,000 If yes,describe under DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT $1,000,000 C Professional X DPR9987381 01/01/2022 01/01/2023 $5,000,000 per claim Liability $5,000,000 annl aggr. Incl.Pollution DESCRIPTION OF OPERATIONS/LOCATIONS/VEHICLES(ACORD 101,Additional Remarks Schedule,may be attached If more space is required) **Please Note: The limits shown above may not represent the full limits of coverage carried by the Named Insured,but are shown as evidence that coverage is carried with limits at least as high as is required by contract.** RE:KAI PN 24505-Ashland TSP Update.The General Liability and Automobile Liability policies include an automatic Additional Insured endorsement that provides Additional Insured status to City of Ashland,Oregon, (See Attached Descriptions) CERTIFICATE HOLDER CANCELLATION City of Ashland SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN 20 East Main Street ACCORDANCE WITH THE POLICY PROVISIONS. Ashland,OR 97520-0000 AUTH,O-RIZED REPRESENTATIVE c ©1988-2015 ACORD CORPORATION.All rights reserved. ACORD 25(2016/03) 1 of 2 The ACORD name and logo are registered marks of ACORD #S34448545/M34447056 P1DZP DESCRIPTIONS (Continued from Page 1) and its elected officials,officers and employees,only when there is a written contract that requires such status,and only with regard to work performed on behalf of the named insured.The General Liability and Automobile Liability contain a special endorsement with Primary and Noncontributory wording,when required by written contract.The General Liability,Automobile Liability,Workers Compensation and Professional Liability policies include an endorsement providing that 30 days notice of cancellation will be given to the Certificate Holder by the Insurance Carrier.The Umbrella Liability policy follows form of underlying liability. SAGITTA 25.3(2016/03) 2 of 2 #S34448545/M34447056 NOTICE OF CANCELLATION TO DESIGNATED ENTITY(S) (Including Nonpayment of Premium) This endorsement modifies insurance provided under the following: WORKERS' COMPENSATION AND EMPLOYERS' LIABILITY INSURANCE POLICY SCHEDULE Name of Designated Entity Mailing Address or Email Address Number Days Notice ANY PERSON OR THE ADDRESS FOR THAT 30 ORGANIZATION TO WHOM PERSON OR ORGANIZATION (SEE FORM 331-0230 INCLUDED IN SUCH WRITTEN FOR COMPLETE NAME) REQUEST FROM YOU TO US Information required to complete this Schedule, if not shown above, will be shown in the Declarations. If we cancel this policy for any reason, including nonpayment of premium, we will give written notice of such can- cellation to the Designated Entity(s) shown in the Schedule. Such notice may be delivered or sent by any means of our choosing. The notice to the Designated Entity(s)will state the effective date of cancellation. Unless otherwise noted in the Schedule above, such notice will be provided to the Designated Entity(s) no more than the number of days in advance of the effective date of cancellation that we are required to provide to the Named Insured for such cancellation. If the reason for cancellation is nonpayment of premium, however, we will provide ten days notice. Such notice of cancellation is solely for the purpose of informing the Designated Entity(s) of the effective date of cancellation and does not grant, alter, or extend any rights or obligations under this policy. ALL OTHER TERMS AND CONDITIONS OF THIS POLICY REMAIN UNCHANGED. This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated. (The information below is required only when this endorsement is issued subsequent to preparation of the policy.) Endorsement Effective 01/01/2022 Policy No. WM2D78128903 Insured Kittelson &Associates, Inc. Insurance Company Allmerica Financial Benefit Insurance Company �'fi� 1111„ Countersigned By Page 1 of 1 331-0341 09 11 Includes copyrighted materials from ISO, Inc. 2003 MANUSCRIPT FORM THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. IT IS AGREED THAT THE COMPLETE NAME FOR THE NOTICE OF CANCELLATION TO THE DESIGNATED ENTITY(S) FORM 331-0341(09/11) IS AS FOLLOWS: DESIGNATED ENTITY: ANY PERSON OR ORGANIZATION TO WHOM YOU HAVE AGREED IN A WRITTEN CONTRACT THAT NOTICE OF CANCELLATION OR NON-RENEWAL OF THIS POLICY WILL BE GIVEN, BUY ONLY IF: 1. YOU SEND US A WRITTEN REQUEST TO PROVIDE SUCH NOTICE, INCLUDING THE NAME AND ADDRESS OF SUCH PERSON OR ORGANIZATION,AFTER THE FIRST INSURED RECEIVES FROM US OF CANCELLATION OR NON-RENEWAL OF THIS POLICY;AND 2. WE RECEIVE SUCH WRITTEN REQUEST AT LEAST 14 DAYS BEFORE THE BEGINNING OF THE APPLICABLE NUMBER OF DAYS SHOWN IN THIS SCHEDULE. Nothing herein contained shall be held to vary,alter,waive or extend any of the terms,conditions,agreements or limitation of the policy other than as above states. (Completion of the following,including countersignature,is required to make this endorsement effective only when it is issued subsequent to preparation of the Policy.) Effective 01/01/2022 this endorsement forms a part of Policy No. WM2D78128903 Issued to Kittelson &Associates Inc By Allmerica Financial Benefit Insurance Company ei �/;� !/ Date of Issue • Countersigned by / Authori/ed Representative of the Company 331-0230 1003 Page 1 of 1 POLICY: ZD2D78128003 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. GOLD PROPERTY BROADENING ENDORSEMENT This endorsement modifies insurance provided under the following: WILDING'AND PERSONAL PROPERTY COVERAGE FORM CAUSES OF LOSS—SPECIAL FORM BUSINESS INCOME (AND EXTRA EXPENSE) COVERAGE FORM BUSINESS INCOME (AND EXTRA EXPENSE) COVERAGE FORM—ACTUAL LOSS SUSTAINED The following is added to C. Limits Of Insurance of Building and Personal Property Coverage Form CP 00 10: The limits applicable to the Coverages included in this endorsement may either be in addition to or included within the applicable Limits of Insurance.For application of the limits, refer to each coverage within this endorsement. Refer to SECTION V — DEFINITIONS of this endorsement for additional words or phrases which appear in quotation marks as they have special meanings. I. COVERAGES A. Scheduled Coverages The coverages in this endorsement amend the coverage provided under the Building and Personal Property Coverage Form, Causes of Loss — Special Form, Business Income (and Extra Expense) Coverage Form and Business Income (and Extra Expense) Coverage - Actual Loss Sustained through new coverages and substitute coverage grants. These coverages are subject to the provisions applicable to this policy, except where amended within this endorsement. If any of the property covered by this endorsement is also covered under any other provisions of the policy of which this endorsement is made a part, or if more than one coverage under this endorsement applies, in the event of loss or damage, you may choose only one of these coverages to apply to that loss.The most we will pay in this case is the limit of insurance applying to the coverage you select. Coverages included in this endorsement apply either separately to each described premises or on an `occurrence" basis. Refer to each coverage within this endorsement for application of coverage. Limits of Amended Limits Insurance of Insurance Page 1. Additional Covered Property Included N/A 3 2. Brands & Labels Included N/A 4 3. Broadened Building Coverage Included N/A 4 4. Broadened Business Personal Property Included N/A 4 5. Building Limit- Inflation Guard Included N/A 5 6. Business Income& Extra Expense from Dependent Properties $150,000 $ 5 7. Catastrophe Allowance $50,000 N/A 5 8. Computer and Funds Transfer Fraud $15,000 $ 6 9. Consequential Loss to Stock Included N/A 6 10. Contract Penalties $50,000 $ 6 11. Debris Removal $250,000 $ 6 12. Denial of Access to Premises Included N/A 7 13. E-Commerce $10,000 $ 7 14. Electronic Data Processing Equipment Included N/A 8 15. Employee Theft including ERISA Compliance $100,000 $ 8 16. Employee Tools and Work Clothing $25,000 $ 10 17. Expediting Expense $50,000 $ 11 18. Extended Business Income 180 Days N/A 11 411-0793 04 14 Includes copyrighted materials of Insurance Services Offices,Inavith its permission Page 1 of 39 ZD2 D781280 01 0901120 (b) Acceptance of fraudulent bills of "occurrence" in total for the removal of lading or shipping receipts. all windblown debris under this The most we will Extension is $10,000 or the Limit of (2) pay under this Insurance shown in the Amended additional coverage is$50,000 for any Limits Section of this Endorsement. one "occurrence" or the Limit of Insurance shown in the Amended 61. Worldwide Property Off-Premises Limits Section of this Endorsement. The following is added to A. Coverage, 59. Water Damage, Other Liquids, Powder Paragraph 5. Coverage Extensions of or Molten Material Damage Building and Personal Property Coverage F. Additional Coverage Extensions, Form CP 00 10: Paragraph 2. of Causes of Loss— Special Worldwide Property Off-Premises Form CP 10 30 is replaced by the (1) You may extend the insurance that following: applies to your Business Personal 2. Water Damage, Other Liquids, Property and Personal Property of Powder or Molten Material Damage Others to apply to that property while it a. If loss or damage caused by or is temporarily outside the coverage resulting from covered water territory if it is: damage or other liquid, powder or (a) Temporarily at a location you do molten material damage loss not own, lease or operate; occurs,we will also pay the cost to (b) Temporarily on display or exhibit tear out and replace any part of at any fair, trade show or the building or structure, or, in the exhibition; case of underground pipes, lawns, shrubs or paved areas, to repair (c) Samples of your"stock"in trade in damage to the system or the custody of your sales • appliance from which the water or representatives; or other substance escapes. (d) While "in transit" between the b. Payment under this Additional described premises and a location Coverage is included within the described in (a), (b) or(c) above. applicable Limit of Insurance. The (2) The most we will pay for loss or maximum we will pay for loss or damage under this Extension is damage to lawns,shrubs or paved $75,000 or the Limit of Insurance areas is $50,000 per "occurrence" shown in the Amended Limits Section or the Limit of Insurance shown in of this Endorsement. the Amended Limits Section of (3) This Extension provides an additional this Endorsement. amount of insurance. THIS IS NOT FLOOD INSURANCE OR PROTECTION FROM AN Coverages:included. =within 4the °Blanket INUNDATION OF SURFACE Ciro itaofilnsurance WATER, HOWEVER CAUSED. 1. Accounts Receivable 60. Windblown Debris The following is added to A. Coverage, The following is added to A. Coverage, Paragraph 4. Additional Coverages of Paragraph 5. Coverage Extensions of Building and Personal Property Coverage Form CP 00 10: Building and Personal Property Coverage Form CP 00 10: Accounts Receivable Windblown Debris (1) We will pay for loss or damage caused (1) We will pay your reasonable expenses by or resulting from a Covered Cause R eivs to your records of Accounts to remove the windblown debris R (including trees) from the described eceivable. premises, if it is carried to the Accounts Receivable means: described premises from the premises (a) All amounts due from your of others by wind, during the policy customers that you are unable to period. collect; (2) The most we will pay in any one (b) Interest charges on any loan 411-0793 04 14 Includes copyrighted materials of Insurance Services Offices,Inc.with its permission Page 28 of 39 ZD2 D781280 01 0901120 maintenance of data c. Valuable Papers and Records processing equipment or (Other Than Electronic Data) component parts. (1) You may extend the insurance (b) Errors or omissions in processing that applies to Your Business or copying. But if errors or Personal Property to apply to omissions in processing or direct physical loss or damage to copying results in fire or explosion, "valuable papers and records"that we will pay for the direct loss or you own, or that are in your care, damage caused by the fire or custody or control caused by a explosion; Covered Cause of Loss. This (c) Erasure of "research and Extension includes the cost to development documentation";or research, replace or restore the lost information that previously (d) Unauthorized instructions to existed on "valuable papers and transfer property to any person or records" for which duplicates do place. not exist. (4) Coverage provided by this Extension (2) The following Exclusions do not does not apply to "research and apply to this Coverage Extension: development documentation" which exist as"electronic data". (a) Earth Movement; and (5) We will not pay for loss or damage to (b) Water. "research and. development (3) The most we will pay under this documentation" until you actually Extension for loss or damage in any replicate such documentation. Repairs one "occurrence" at a described or replication must be made as soon premises is subject to the Blanket as reasonably possible after the loss Coverage Limit of Insurance or the or damage, but in no event later than Limit of Insurance shown in the two years after the loss or damage Amended Limits Section of this unless we grant an extension in writing Endorsement. prior to the expiration of the two-year IV. VALUATION period. (6) We will not pay for loss or damage to A. E. Loss Conditions, Paragraph 7. Valuation, "research and development subparagraph b. of Building and Personal documentation"applicable to: Property Coverage Form CP 00 10 is replaced by the following: (a) Products that are obsolete; b. If the Limit of Insurance for Building (b) Existing products you have satisfies the Additional Condition, withdrawn from the market; or Coinsurance, and the cost to repair or (c) Existing products you have not replace the damaged building property is sold in the last twelve months prior $2,500 or less, we will pay the cost of to the loss. building repairs or replacement. (7) Regardless of the number of insured The cost of building repairs or replacement locations involved, the most we will does not include the increased cost pay under this Extension for loss or attributable to enforcement of any damage in any one "occurrence" at a ordinance or law regulating the described premises is subject to the construction, use or repair of any property. Blanket Coverage Limit of Insurance However, the following property will be or the Limit of Insurance shown in the valued at the actual cash value even when Amended Limits Section of this attached to the building: Endorsement. (1) Awnings or floor coverings; Valuable Papers,and k Records--(Other` (2) Appliances ' for refrigerating, (Than Electronic Data)) ventilating, cooking, dishwashing or A. Coverage, Paragraph 5. Coverage laundering; Extensions, subparagraph c. of Building (3) Outdoor equipment or furniture; or and Personal Property Coverage Form CP 00 10 is replaced by the following: (4) Retaining walls. B. The following is added to E. Loss Conditions, 411-0793 04 14 Includes copyrighted material of Insurance Services Office,Inc.with its permission. Page 32 of 39 ZD2 D781280 01 0901120 m. "Fine Arts" will not pay more than the amount for We will pay the lesser of: which you are legally liable;or (1) The market value at the time of loss or (2) The amount you actually spend to damage; repair or replace lost or damaged "prototypes" used for the same (2) The reasonable cost of repair or purpose. restoration to the condition immediately before the covered loss or s. "Research and development damage;or documentation": (3) The cost of replacement with We will not pay more than the least of the substantially identical property. following amounts: For pairs or sets,we will either: (1) Your cost actually spent to reproduce or replace anylost or damaged "research and (a) Repair p ' p part to development documentation" from restore the value and condition of back-up files or original source the pair or set to that immediately documents; before the covered loss or damage; or (2) The reasonable cost necessary to research, repair, restore, recreate, (b) Pay the difference between the reconstitute, reproduce or replace value of the pair or set before and "research and development after the covered loss or damage. documentation", used for the same n. Property of Others — our payment for loss product, to their condition immediately of or damage to personal property of before the loss or damage; others will only be for the account of the (3) If identical "research and development owners of the property. We may adjust documentation" cannot be purchased, losses with the owners of lost or damaged the cost to purchase such property if other than you. If we pay the documentation of comparable kind, owners, such payments will satisfy your functionality and quality; or claims against us for the owners' property. (4) The amount you actually spend to We will not pay the owners more than their research, repair, restore, recreate, financial interest in the Covered Property. reconstitute, reproduce or replace o. We may elect to defend you against suits "research and development arising from claims of owners or property. documentation", used for the same- We will do this at our expense. product. p. Labor, materials and services that you But we will not pay more than the cost to furnish or arrange on personal property of restore "research and development others are valued based on the actual cost documentation" to its condition of the labor, materials and services. immediately prior to the loss. Finished "stock" you manufactured at the q. (Ut, 'DEFINITIONS selling price less discounts and expenses The following is added to Paragraph H. of Building you otherwise would have had. and Personal Property Coverage Form CP 00 10: r. "Prototypes" H. Definitions We will not pay more than the lesser of the 1. "Antiques" means an object having value following amounts: because its: (1) The replacement cost of such property used for the same product, but only if a. Craftsmanship is in the style or fashion replacement cost is shown as of former times; and applicable to Personal Property in the b. Age is 100 years or older. Declarations. 2. "Banking premises" means the interior of However, when replacement with that portion of any building occupied by a identical property is impossible or banking institution or similar safe unnecessary, the amount of loss will depository. be based on the cost to replace with 3. "Communicable disease" means a similar property used to perform the bacterial micro-organism transmitted same functions. Property of others will through human contact with food. be valued in the same manner, but we 411-0793 04 14 Includes copyrighted materials of Insurance Services Offices, Inc.with its permission Page 34 of 39 ZD2 D781280 01 0901120 premises, including: promotional expenses. (1) Payroll;and 46. "Software"means: (2) The amount of charges which are a. "Media"; the legal obligation of the tenant(s) b. "Electronic data"; but would otherwise be your obligations. c. "Programs and applications'; and 41. "Research and development d. "Proprietary programs". documentation" means written evidence of 47. "Spoilage" means any detrimental change facts, information, processes, concepts or in physical state of "perishable goods". formulas that are directly related to the Detrimental change includes, but is not development of new products or limited to, thawing of frozen goods, enhancement of existing products. Written warming of refrigerated goods, evidence includes written papers, plans, solidification of liquid or molten material, manuscripts, written or inscribed chemical reactions to material in process, documents or plans. and reduction in value of time sensitive "Research and development materials. documentation" does not include "valuable 48. "Theft" means the unlawful taking of papers and records", accounts receivable property to the deprivation of the insured. or"media", "software"or"data". 49. "Transfer account" means an account 42. "Research and development operations" maintained by you at a financial institution means your business activities that are from which you can initiate the transfer, directly related to the development of new payment or delivery of "money" and products or the enhancement of existing "securities": products. a. By means of electronic, telegraphic, 43. "Scientific and professional equipment" cable, teletype, telefacsimile or means medical, engineering, veterinary, telephone instructions communicated measurement, recording, analyzing or directly through an electronic funds similar equipment. transfer system;or 44. "Securities" means negotiable and b. By means of written instructions nonnegotiable instruments or contracts establishing the conditions under representing either "money" or property which such transfers are to be initiated and includes: by such financial institution through an a. Tokens, tickets, revenue and other electronic funds transfer system. stamps (whether represented by actual (50..,"Valuable papers and records"'means:) stamps or unused value in a meter) in a. Inscribed, printed or written: current use; and b. Evidences of debt issued in (1) Documents; connection with credit or charge cards, (2) Manuscripts;and which cards are not issued by you. (3) Records but does not include"money". including abstracts, books, deeds, 45. "Soft cost expenses" means additional: drawings, films, maps or mortgages; a. Realty taxes and other assessments and that you incur for the period of time b. Similar items stored electronically. that construction has been extended But, "valuable papers and records" does beyond the projected completion date; not mean "money" or "securities". b. Interest on money borrowed to finance construction, remodeling, renovation or repair; and c. Advertising, public relations and ALL OTHER TERMS, CONDITIONS,AND EXCLUSIONS REMAIN UNCHANGED. 411-0793 04 14 Includes copyrighted materials of Insurance Services Offices,Inc.with its permission Page 39 of 39 POLICY: ZD2D78128003 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COMMERCIAL GENERAL LIABILITYBROADENING:`ENDORSEMENT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SUMMARY OF COVERAGES 1. Additional'Insured by Contract,Agreement or Permit Included 2. Additional Insured Primary and Non-Contributor ) Included 3. Blanket Waiver of Subrogation) Included 4. Bodily Injury Redefined Included 5. Broad Form Property Damage—Borrowed Equipment, Customers Goods&Use of Elevators Included 6. Knowledge of Occurrence Included 7. Liberalization Clause Included 8. Medical Payments—Extended Reporting Period Included 9. Newly Acquired or Formed Organizations-Covered until end of policy period Included 10. Non-owned Watercraft 51 ft. 11. Supplementary Payments Increased Limits - Bail Bonds $2,500 - Loss of Earnings $1000 12. Unintentional Failure to Disclose Hazards Included 13. Unintentional Failure to Notify Included This endorsement amends coverages provided under the Commercial General Liability Coverage Part through new coverages, higher limits and broader coverage grants. 1. Additional Insured by Contract, Agreement or (1) "Your work" for the additional insured(s) Permit designated in the contract, agreement or The following is added to SECTION II — WHO IS permit; AN INSURED: (2) Premises you own, rent, lease or occupy; Additional Insured by Contract, Agreement or or Permit (3) Your maintenance, operation or use of a. Any person or organization with whom you equipment leased to you. agreed in a written contract, written agreement b. The insurance afforded to such additional or permit that such person or organization to insured described above: add an additional insured on your policy is an (1) Only applies to the extent permitted by additional insured only with respect to liability law; and for "bodily injury", "property damage", or "personal and advertising injury" caused, in (2) Will not be broader than the insurance whole or in part, by your acts or omissions, or which you are required by the contract, the acts or omissions of those acting on your agreement or permit to provide for such behalf, but only with respect to: additional insured. 421-2915 06 15 Includes copyrighted material of Insurance Services Office,Inc.,with its permission. Page 1 of 4 (3) Applies on a primary basis if that is advertising injury" involved the rendering required by the written contract, written of or failure to render any professional agreement or permit. services by or for you. (4) Will not be broader than coverage d. With respect to the insurance afforded to provided to any other insured. these additional insureds, the following is (5) Does not apply if the "bodily injury", added to SECTION III — LIMITS OF "property damage" or "personal and INSURANCE: advertising injury" is otherwise excluded The most we will pay on behalf of the from coverage under this Coverage Part, additional insured for a covered claim is the including any endorsements thereto. lesser of the amount of insurance: c. This provision does not apply: 1. Required by the contract, agreement or (1) Unless the written contract or written permit described in Paragraph a.; or agreement was executed or permit was 2. Available under the applicable Limits of issued prior to the "bodily injury", "property Insurance shown in the Declarations. damage", or "personal injury and This endorsement shall not increase the advertising injury". applicable Limits of Insurance shown in the (2) To any person or organization included as Declarations. an insured by another endorsement 2. Additional Insured — Primary and Non- issued by us and made part of this Contributory Coverage Part. The following is added to SECTION IV — (3) To any lessor of equipment: COMMERCIAL GENERAL LIABILITY (a) After the equipment lease expires; or CONDITIONS, Paragraph 4. Other insurance: (b) If the "bodily injury", "property Additional Insured — Primary and Non- damage", "personal and advertising Contributory injury" arises out of sole negligence of If you agree in a written contract, written the lessor agreement or permit that the insurance provided to (4) To any: any person or organization included as an (a) Owners or other interests from. whom Additional Insured under SECTION II — WHO IS land has been leased which takes AN INSURED, is primary and non-contributory, place after the lease for the land ex- the following applies: pires; or If other valid and collectible insurance is available (b) Managers or lessors of premises if: to the Additional Insured for a loss covered under Coverages A or B of this Coverage Part, our (i) The occurrence takes place after obligations are limited as follows: you cease to be a tenant in that premises; or a. Primary Insurance (ii) The "bodily injury", "property This insurance is primary to other insurance damage", "personal injury" or that is available to the Additional Insured "advertising injury" arises out of which covers the structural alterations, new con- Additional Insured as a Named Insured. We struction or demolition operations will not seek contribution from any other performed by or on behalf of the insurance available to the Additional Insured manager or lessor. except: (5) To "bodily injury", "property damage" or (1) For the sole negligence of the Additional "personal and advertising injury" arising Insured; out of the rendering of or the failure to (2) When the Additional Insured is an render any professional services. Additional Insured under another primary This exclusion applies even if the claims liability policy; or against any insured allege negligence or (3) when b. below applies. other wrongdoing in the supervision, hiring, employment, training or monitoring If this insurance is primary, our obligations are of others by that insured, if the not affected unless any of the other insurance "occurrence" which caused the "bodily is also primary. Then, we will share with all injury"or"property damage"or the offense that other insurance by the method described which caused the "personal and in c. below. 421-2915 06 15 Includes copyrighted material of Insurance Services Office,Inc.,with its permission. Page 2 of 4 b. Excess Insurance insurer contributes equal amounts until it has (1) This insurance is excess over any of the paid its applicable limit of insurance or none of other insurance, whether primary, excess, the loss remains, whichever comes first. If any contingent or on any other basis: of the other insurance does not permit contribution by equal shares, we will contribute (a) That is Fire, Extended Coverage, by limits. Under this method, each insurer's Builder's Risk, Installation Risk or share is based on the ratio of its applicable similar coverage for"your work"; limit of insurance to the total applicable limits (b) That is Fire insurance for premises of insurance of all insurers rented to the Additional Insured or 3. Blanket Waiver of Subrogation temporarily occupied by the Additional Insured with permission of the owner; The following is added to SECTION IV — COMMERCIAL GENERAL LIABILITY (c) That is insurance purchased by the CONDITIONS, Paragraph 8. Transfer Of Rights Additional Insured to cover the Of Recovery Against\Others To Us: Additional Insured's liability as a tenant for "property damage" to We waive any right of recovery we may have premises rented to the Additional against any person or organization with whom you Insured or temporarily occupied by the have a written contract that requires such waiver Additional with permission of the because of payments we make for damage under owner; or this coverage form. The damage must arise out of your activities under a written contract with that (d) If the loss arises out of the person or organization. This waiver applies only to maintenance or use of aircraft, "autos" the extent that subrogation is waived under a or watercraft to the extent not subject written contract executed prior to the "occurrence" to Exclusion g. of SECTION I — or offense giving rise to such payments. COVERAGE A — BODILY INURY AND PROPERTY DAMAGE 4. Bodily Injury Redefined LIABILITY. SECTION V — DEFINITIONS, Definition 3. "bodily (2) When this insurance is excess, we will injury" is replaced by the following: have no duty under Coverages A or B to 3. "Bodily injury" means bodily injury, sickness or defend the insured against any"suit" if any disease sustained by a person including death other insurer has a duty to defend the resulting from any of these at any time. "Bodily insured against that "suit". If no other injury" includes mental anguish or other insurer defends, we will undertake to do mental injury resulting from "bodily injury". so, but we will be entitled to the insured's 5. Broad Form Property Damage — Borrowed rights against all those other insurers. Equipment, Customers Goods, Use of (3) When this insurance is excess over other Elevators Insurance, we will pay only our share of a. SECTION I—COVERAGES, COVERAGE A— the amount of the loss, if any, that BODILIY INJURY AND PROPERTY exceeds the sum of: DAMAGE LIABILITY, Paragraph 2. (a) The total amount that all such other Exclusions subparagraph j. is amended as insurance would pay for the loss in the follows: absence of this insurance; and Paragraph 4 does not apply to " ( ) PP Y Property (b) The total of all deductible and self damage" to borrowed equipment while at a insured amounts under all that other jobsite and not being used to perform insurance. operations. We will share the remaining loss, if any, Paragraphs (3), (4) and (6) do not apply to with any other insurance that is not "property damage"to "customers goods"while described in this Excess Insurance on your premises nor do they apply to the use provision and was not bought specifically of elevators at premises you own, rent, lease to apply in excess of the Limits of or occupy. Insurance shown in the Declarations of b. The following is added to SECTION V — this Coverage Part. DEFINTIONS: c. Method Of Sharing 24. "Customers goods" means property of If all of the other insurance permits your customer on your premises for the contribution by equal shares,we will follow this purpose of being: method also. Under this approach each 421-2915 06 15 Includes copyrighted material of Insurance Services Office,Inc.,with its permission. Page 3 of 4 a. worked on; or 10. Non-Owned Watercraft b. used in your manufacturing process. SECTION I — COVERAGES, COVERAGE A c. The insurance afforded under this provision is BODILY INJURY AND PROPERTY DAMAGE excess over any other valid and collectible LIABILITY, Paragraph 2. Exclusions, property insurance (including deductible) subparagraph g.(2) is replaced by the following: available to the insured whether primary, g. Aircraft, Auto Or Watercraft excess, contingent (2) A watercraft you do not own that is: 6. Knowledge of Occurrence (a) Less than 51 feet long; and The following is added to SECTION IV — (b) Not being used to carry persons or COMMERCIAL GENERAL LIABILITY property for a charge; CONDITIONS, Paragraph 2. Duties in the Event of Occurrence, Offense, Claim or Suit: This provision applies to any person who, with your consent, either uses or is e. Notice of an "occurrence", offense, claim or responsible for the use of a watercraft. "suit" will be considered knowledge of the insured if reported to an individual named 11. Supplementary Payments Increased Limits insured, partner, executive officer or an SECTION I — SUPPLEMENTARY PAYMENTS "employee" designated by you to give us such COVERAGES A AND B, Paragraphs 1.b. and a notice. 1.d. are replaced by the following: 7. Liberalization Clause 1.b.Up to $2,500 for cost of bail bonds required The following is added to SECTION IV — because of accidents or traffic law violations COMMERCIAL GENERAL LIABILITY arising out of the use of any vehicle to which CONDITIONS: the Bodily Injury Liability Coverage applies. We do not have to furnish these bonds. Liberalization Clause 1.d.All reasonable expenses incurred by the If we adopt any revision that would broaden the insured at our request to assist us in the coverage under this Coverage Form without investigation or defense of the claim or "suit", additional premium, within 45 days prior to or including actual loss of earnings up to$1000 a during the policy period, the broadened coverage day because of time off from work. will immediately apply to this Coverage Part. 8. Medical Payments — Extended Reporting 12. Unintentional Failure to Disclose Hazards Period The following isadded to SECTION IV — COMMERCIAL GENERAL LIABILITY a. SECTION I—COVERAGES, COVERAGE C— CONDITIONS, Paragraph 6. Representations: MEDICAL PAYMENTS, Paragraph 1. Insuring Agreement, subparagraph a.(3)(b) We will not disclaim coverage under this Coverage is replaced by the following: Part if you fail to disclose all hazards existing as of the inception date of the policy provided such (b) The expenses are incurred and reported failure is not intentional. to us within three years of the date of the accident; and 13. Unintentional Failure to Notify b. This coverage does not apply if COVERAGE The following is added to SECTION IV — C — MEDICAL PAYMENTS is excluded either COMMERCIAL GENERAL LIABILITY by the provisions of the Coverage Part or by CONDITIONS, Paragraph 2. Duties in the Event endorsement. of Occurrence, Offense, Claim or Suit: 9. Newly Acquired Or Formed Organizations Your rights afforded under this policy shall not be SECTION II — IS AN INSURED, Paragraph prejudiced if you fail to give us notice of an is replaced by WHOthe following: "occurrence", offense, claim or"suit", solely due to 3.a. your reasonable and documented belief that the a. Coverage under this provision is afforded until "bodily injury" or"property damage" is not covered the end of the policy period. under this policy. ALL OTHER TERMS, CONDITIONS,AND EXCLUSIONS REMAIN UNCHANGED. 421-2915 06 15 Includes copyrighted material of Insurance Services Office,Inc.,with its permission. Page 4 of 4 POLICY: ZD2D78128003 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AGGREGATE LIMITS OF INSURANCE PER PROJECT AND PER LOCATION WITH CAP This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Policy Aggregate: $ 10,000,000 (If no entry appears above, information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement.) A. The following is added to SECTION III — LIMITS or "locations", is the Policy Aggregate Limit OF INSURANCE, paragraph 2.: identified in the Schedule above. The General Aggregate Limit applies separately B. This endorsement does not apply to damages to: included in the "products-completed operations a. Construction projects away from premises hazard". owned or rented to you; and C. For the purposes of this endorsement, the b. Each"location" owned by or rented to you. following definition is added to SECTION V — DEFINITIONS: If the Schedule above is completed, however, a Policy Aggregate Limit applies. The most we will 1. "Location" means premises involving the same pay for the sum of all damages, except for or connecting lots, or premises whose damages included in the "products-completed connection is interrupted only by a street, operations hazard", regardless of the number of roadway, waterway or right-of-way of a insureds, claims made or "suits" brought, persons railroad. or organizations making claims or bringing "suits", ALL OTHER TERMS, CONDITIONS, AND EXCLUSIONS REMAIN UNCHANGED. 421-3635 07 16 Includes copyrighted materials of Insurance Services Office,Inc.,with its permission. Page 1 of 1 POLICY:ZD2D78128003 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BLANKET ADDITIONAL INSURED BY CONTRACT OR AGREEMENT -WITH PRODUCTS-COMPLETED OPERATIONS COVERAGE This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following is added to SECTION II —WHO IS (2) Will not be broader than the insurance AN INSURED: which you are required by the contract, Additional Insured — Written Contract, agreement or permit to provide for such Agreement or Permit additional insured. a. Any person or organization as required by a (3) Is primary to and will not seek contribution written contract, agreement or permit to add from any other insurance available to such as an additional insured on your policy is an additional insured provided that: additional insured but only with respect to (a) The additional insured is a Named liability for "bodily injury", "property damage", Insured under such other insurance; or"personal and advertising injury"caused, in and whole or in part, by your acts or omissions, or (b) You have agreed in writing in a the acts or omissions of those acting on your contract or agreement that this behalf, and only with respect to: insurance would be primary and would (1) "Your work" for the additional insured(s) not seek contribution from any other designated in the contract, agreement or insurance available to the additional permit; insured. (2) Premises you own, rent,lease or occupy; (4) Will not be broader than coverage (3) Your maintenance, operation or use of provided to any other insured. equipment leased to you; or (5) Does not apply if the "bodily injury", (4) "Your work" for the additional insured(s). "property damage" or "personal and designated in the contract, agreement or advertising injury" is otherwise excluded permit including"bodily injury"or"property from coverage under this Coverage Part, damage" included in the "products- including any endorsements thereto. completed operations hazard" provided d. This provision does not apply: that: (1) Unless the written contract or agreement (a) This Coverage Part provides such was executed or permit was issued prior coverage; and to the "bodily injury", "property damage", (b) The written contract, agreement or or"personal and advertising injury". permit requires such coverage for the (2) To any person or organization included as additional insured. an insured by another endorsement b. If the written contract or agreement specifically issued by us and made part of this requires you to add an additional insured to Coverage Part. your policy via endorsement CG 20 10 11 85, (3) If the"bodily injury", "property damage", or CG 20 10 10 93, CG 20 10 03 97, CG 20 10 "personal and advertising injury"arises out 10 01 or endorsement CG 20 37 10 01, then of sole negligence of the additional the words "caused in whole or in part by"' in insured. parageph a. above are replaced by the words (4) To any lessor of equipment: "arising out of'. c. The insurance afforded to such additional (a) After the equipment lease expires; or insured described above: (b) If the "bodily injury", "property damage", or"personal and advertising (1) Only applies to the extent permitted by injury"arises out of sole negligence of law. the lessor 421-4490 10 18 Includes copyrighted material of Insurance Services Office,Inc.,with its permission. Page 1 of 2 Copyright 2017 The Hanover Insurance Company.All Rights Reserved. (5) To any: other wrongdoing in the supervision, (a) Owners or other interests from whom hiring, employment,training or monitoring land has been leased if the of others by that insured, if the "occurrence" takes place or the "occurrence" which caused the "bodily offense is committed after the lease injury"or"property damage"or the offense for the land expires; or which caused the "personal and advertising injury" involved the rendering (b) Managers or lessors of premises if: of or failure to render any professional (i) The occurrence takes place after services by or for you. you cease to be a tenant in that B. With respect to the insurance afforded to these premises; or additional insureds, the following is added to (ii) The "bodily injury", "property SECTION III —LIMITS OF INSURANCE: damage", "personal and The most we will pay on behalf of the additional advertising injury" arises out of insured for a covered claim is the lesser of the structural alterations, new con- amount of insurance: struction or demolition operations performed by or on behalf of the 1. Required by the written contract, agreement or manager or lessor. permit described in paragraph A.a.; or (6) To "bodily injury", "property damage" or 2. Available under the applicable Limits of "personal and advertising injury" arising Insurance shown in the Declarations or any out of the rendering of or the failure to endorsement to this policy. render any professional services. This endorsement shall not increase the This exclusion applies even if the claims applicable Limits of Insurance shown in the against any insured allege negligence or Declarations. ALL OTHER TERMS, CONDITIONS, AND EXCLUSIONS REMAIN UNCHANGED. 421-4490 10 18 Includes copyrighted material of Insurance Services Office,Inc.,with its permission. Page 2 of 2 Copyright 2017 The Hanover Insurance Company.All RightsReserved. POLICY:AW2-D781287-04 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BUSINESS AUTO COVERAGE BROADENING ENDORSEMENT This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by the endorsement. 1. CANCELLATION EXTENSION d. Any business entity for which you have a financial interest greater Paragraph A. CANCELLATION 2. b. of the than 50% of the voting stock or COMMON POLICY CONDITIONS is otherwise-have a controlling replaced with the following: interest after the effective date of b. 60 days before the effective date this policy or that is newly of cancellation if we cancel for acquired or formed by you during any other reason. the term of this policy. SECTION I -COVERED AUTOS The coverage provided by this provision is afforded until 2. EMPLOYEE HIRED "AUTOS" expiration or termination of this Description Of Covered Auto policy,whichever occurs earlier. Designation Symbols; Symbol 8 is replaced by the following: The coverage provided by this provision does not apply to any 8 = Hired "Autos"Only - Only those"autos" business entity described in d. you lease, hire, rent or borrow; including above that qualifies as an "autos"your employee hires at your insured under any other direction,for the purpose of conducting your automobile liability policy issued business. This does not include any"auto" to that business entity as a you lease, hire, rent, or borrow from any of named insured or would have your"employees"or partners or members of been an insured except for the their households. exhaustion of the policy limits or the insolvency of the insurer. SECTION II -LIABILITY COVERAGE The coverage provided by this 3. BROADENED NAMED INSURED provision does not apply to "bodily injury" nor"property The following is added to the SECTION II- damage"arising from an LIABILITY COVERAGE, Paragraph 1.Who accident that occurred prior to Is An Insured provision: your acquiring or forming the business entity described in d. above. Includes copyrighted material of Insurance Services Office, Inc.with its permission. Copyright, Insurance Services Office, Inc., 1996 461-0155 (9-97) 4. EMPLOYEES AS INSUREDS SECTION III-PHYSICAL DAMAGE COVERAGE. The following is added to the SECTION II - LIABILITY COVERAGE, Paragraph 1.Who 7. EXPENSE OF RETURNING A STOLEN Is An Insured provision: "AUTO"and SIGN COVERAGE e. Any employee of yours is an The following is added to SECTION III- "insured"while using a covered PHYSICAL DAMAGE COVERAGE, A.1. "auto"you do not own, hire or COVERAGE: borrow in your business or your personal affairs. d. Expense Of Returning A Stolen "Auto" 5. SUPPLEMENTARY PAYMENTS We will pay for the expense of The following amends SECTION II - returning a covered "auto"to you. LIABILITY COVERAGE, Paragraph 2. Coverage Extensions provision: e. Sign Coverage Paragraph (2) is replaced by the following: We will pay for loss to signs, (2) Up to$2500 for cost of bail bonds murals, paintings or graphics, (including bonds for related traffic as part of equipment, which are law violations)required because displayed on a covered "auto". of an "accident"we cover. We do not have to furnish these bonds. The most we will pay for"loss"in any one "accident"is the lesser of: Paragraph (4) is replaced by the following: (4) All reasonable expenses incurred t The actual cash value of by the"insured"at our request, the property as of the including actual loss of earnings time of the"loss"; or up to$500 a day because of time 2. The cost of repairing or off from work. replacing the damaged or stolen property with other 6. AMENDED FELLOW EMPLOYEE property of like kind and EXCLUSION quality; or 3. $2,000. The following is added to the SECTION II- LIABILITY COVERAGE, B. Exclusions 8. GLASS BREAKAGE DEDUCTIBLE Paragraph 5. Fellow Employee exclusion: The following is added to SECTION III- This exclusion does not apply if the PHYSICAL DAMAGE COVERAGE A. "bodily injury"arises from the use of a COVERAGE paragraph 3. Glass covered "auto"you own or hire. This Breakage-Hitting a Bird or Animal - coverage is excess over any other Falling Objects or Missiles: collectible insurance Any deductible shown in the Declarations as applicable to the Includes copyrighted material of Insurance Services Office, Inc.with its permission. Copyright, Insurance Services Office, Inc., 1996 461-0155 (9-97) covered "auto"will not apply to glass direction,for the purpose of breakage if such glass is repaired, conducting your business,for a rather than replaced. period of 30 days or less, of like kind and use as the"autos"you 9. TRANSPORTATION EXPENSE own, subject to the following: Paragraph 4. Coverage Extension. of The most we will pay for any one SECTION III -PHYSICAL DAMAGE loss is the lesser of the following: COVERAGE,A. COVERAGE is replaced with the following: a. $50,000 per accident, or b. cash value, or 4. Coverage Extension c. the cost of repair, We will pay up to$50 per day to a minus the deductible equal to the maximum of$1500 for temporary lowest deductible applicable to any transportation expense incurred by owned"auto"for that coverage. you because of the total theft of a Any deductible shown in the covered "auto"of the private Declarations does not apply to passenger type. We will pay only "loss"caused by fire or lightning. for those covered "autos"for which Subject to the limit and deductible you carry either Comprehensive or stated above,we will provide Specified Causes of Loss coverage equal to the broadest Coverage. We will pay for coverage provided to any covered temporary transportation expenses "auto"you own,that is applicable to incurred during the period beginning the loss. 24 hours after the theft and ending, regardless of the policy's expiration, If the loss arises from an accident when the covered "auto"is returned for which you are legally liable and to use or we pay for its"loss". the lessor incurs an actual financial loss from that accident,we will 10. HIRED AUTO PHYSICAL DAMAGE cover the lessor's actual financial loss of use of the hired "auto"for a The following is added to SECTION III - period of up to seven consecutive PHYSICAL DAMAGE COVERAGE,A. days from the date of the accident, COVERAGE: subject to a limit of$1,000 per accident. 5. Hired Auto Physical Damage 11. AUDIO,VISUAL AND DATA If hired "autos"are covered "autos" ELECTRONIC EQUIPMENT for Liability Coverage and if Physical COVERAGE Damage Coverage of Comprehensive, Specified Causes The following is added to SECTION III - of Loss, or Collision is provided PHYSICAL DAMAGE COVERAGE,A. under this Coverage Form for any COVERAGE: "auto"you own,then the Physical Damage Coverage(s) provided is 6. Audio,Visual and Data Electronic extended to"autos"you hire without Equipment Coverage a driver or your employee hires, without a driver, at your We will pay for"loss"to any electronic equipment that receives Includes copyrighted material of Insurance Services Office, Inc.with its permission. Copyright, Insurance Services Office, Inc., 1996 461-0155 (9-97) or transmits audio, visual or data signals and that is not designed b. Permanently installed solely for the reproduction of sound. in the opening of the dash This coverage applies only if the or console normally used equipment is permanently installed by the manufacturer for the in the covered "auto"at the time of installation of a radio. the"loss"or the equipment is removable from a housing unit With respect to coverage herein,the which is permanently installed in the LIMIT OF INSURANCE provision of covered "auto'at the time of the PHYSICAL DAMAGE COVERAGE "loss", and such equipment is is replaced by the following: designed to be solely operated by use of the power from the"auto's" 1. The most we will pay for all electrical system, in or upon the "loss"to audio, visual or data covered "auto", including its electronic equipment and any antennas and other accessories. accessories used with this However,this does not include equipment as a result of any tapes, records or discs. one"accident"is the lesser of The exclusions that apply to a. The actual cash value of PHYSICAL DAMAGE COVERAGE, the damaged or stolen except for the exclusion relating to property as of the time of Audio, Visual and Data Electronic the"loss"; or Equipment, also apply to coverage b. The cost of repairing or provided herein. In addition,the replacing the damaged or following exclusions apply: stolen property with other property of like kind and We will not pay, under this quality; or coverage,for either any electronic c. $500. equipment or accessories used with such electronic equipment that is: 2. An adjustment for depreciation and physical 1. Necessary for the normal condition will be made in operation of the covered determining actual cash value "auto"or the monitoring of at the time of the"loss". the covered "auto's" operating system; or 3. Deductibles applicable to PHYSICAL DAMAGE 2. Both: COVERAGE, do not apply to this Audio, Visual and Data a. An integral part of the Electronic Equipment same unit housing any Coverage. sound reproducing equipment designed If there is other coverage provided solely for the by this policy for audio,visual and reproduction of sound if the data electronic equipment, the sound reproducing coverage provided herein is equipment is permanently installed in the covered "auto", and Includes copyrighted material of Insurance Services Office, Inc.with its permission. Copyright, Insurance Services Office, Inc., 1996 461-0155 (9-97) excess. However, you may elect to covered "auto". If"loss" is apply the limit or any portion thereof caused by theft,this of coverage provided herein to pay number of days is added any deductible that is applicable to the number of days it under the provisions of the other takes to locate the covered coverage. "auto"and transport it to a repair shop. 12. RENTAL REIMBURSEMENT and MATERIAL TRANSFER EXPENSE 2. 60 days. The following is added to SECTION III- Our payment is limited to the lesser PHYSICAL DAMAGE COVERAGE,A. of the following amounts: COVERAGE: 1. Necessary and actual 7. Rental Reimbursement and expenses incurred, Material Transfer Expense including loss of use. This coverage provides only those 2. $3000. Physical Damage Coverages where a premium is shown in the This auto rental expense coverage Declarations. It applies only to a does not apply while there are covered "auto"described or spare or reserve"autos"available to designated to which the Physical you for your operations. Damage Coverages apply. If"loss"results from the total theft of We will pay for auto rental expenses a covered "auto"of the private and the expenses, incurred by you passenger type,we will pay under because of"loss"to a covered this coverage only that amount of "auto",to remove and transfer your your rental reimbursement materials and equipment from the expenses which is not already covered "auto". Payment applies in provided for under the SECTION addition to the otherwise applicable III -PHYSICAL DAMAGE amount of each coverage you have COVERAGE, A.4. Coverage on a covered "auto". No Extension. deductibles apply to this coverage. 13. AIRBAG COVERAGE We will pay only for those auto rental expenses incurred during the The following is added to SECTION III - policy period beginning 24 hours PHYSICAL DAMAGE COVERAGE, B. after the"loss"and ending, Exclusions, paragraph 3. regardless of the policy's expiration, with the lesser of the following The portion of this exclusion relating to number of days: mechanical or electrical breakdown does not apply to the accidental discharge of an 1. The number of days airbag. This coverage is excess of other reasonably required to collectible insurance or warranty. No repair or replace the deductible applies to this Airbag Coverage. Includes copyrighted material of Insurance Services Office, Inc.with its permission. Copyright, Insurance Services Office, Inc., 1996 461-0155 (9-97) 14. AUTO LOAN PHYSICAL DAMAGE imposed under a lease for excessive use, EXTENSION abnormal wear and tear or high mileage; security deposits not refunded by the lessor; The following is added to SECTION III- cost for extended warranties, Credit Life PHYSICAL DAMAGE COVERAGE, C. Insurance, Health, Accident or Disability Limit Of Insurance provision: Insurance purchased with the loan; and carry over balances from previous leases. When a"loss"results in a total loss to a covered auto you own for which a Loss This coverage applies only to the initial Payee is designated in this policy,the most lease for the covered "auto"which has not we will pay for"loss" in any one"accident" is previously been leased. This coverage is the greater of: excess over all other collectible insurance. 1. The actual cash value of the SECTION IV-CONDITIONS damaged or stolen property as of the time of the"loss"; or 16. DUTIES IN THE EVENT OF ACCIDENT, CLAIM,SUIT OR LOSS 2. The outstanding balance of the initial loan, less any amounts for The following is added to SECTION IV- taxes, overdue payments, overdue BUSINESS AUTO CONDITIONS,A. Loss payment charges, penalties, Conditions,2. Duties In The Event Of interest, any charges for early Accident, Claim, Suit Or Loss: termination of the loan, costs for Credit Life Insurance, Health, d. Knowledge of any"accident", Accident or Disability Insurance claim, "suit"or"loss"will be purchased with the loan, and deemed knowledge by you when carry-over balances from previous notice of such "accident", loans. claim, "suit"or"loss"has been received by: 15. AUTO LEASE PHYSICAL DAMAGE EXTENSION (1) You, if you are an individual; (2) Any partner or insurance The following is added to SECTION III- manager if you are a PHYSICAL DAMAGE COVERAGE, C. partnership; or Limit Of Insurance provision: (3) An executive officer or insurance manager if you are If, because of damage, destruction or theft a corporation. of a covered"auto",which is a long-term leased "auto", the lease agreement between (17. BLANKET.WAIVER OF) you and the lessor is terminated, "we"will (SUBROGATION) pay the difference between the amount paid under paragraph C. LIMIT OF INSURANCE Paragraph 5.Transfer Of Rights Of 1. or 2. and the amount due at the time of Recovery Against Others To Us, "loss"under the terms of the lease SECTION IV-BUSINESS AUTO agreement applicable to the leased "auto" CONDITIONS, A. Loss Conditions is which you are required to pay: less any fees replaced by the following: to dispose of the auto; any overdue payments;financial penalties Includes copyrighted material of Insurance Services Office, Inc. with its permission. Copyright, Insurance Services Office, Inc., 1996 461-0155 (9-97) 5. Transfer Of Rights Of Recovery 19. HIRED AUTO—WORLDWIDE Against Others To Us COVERAGE If any person or organization to or The following is added to SECTION IV- for whom we make payment under Business Auto Conditions, B.General this Coverage Form has rights to Conditions, paragraph 7. Policy Period, recover damages from another, Coverage Territory provision: which have not been waived through the execution of an "insured e. Outside the coverage territory contract",written agreement, or described in a., b., c., and d. permit, prior to the"accident"or above for an "accident"or"loss" "loss"giving rise to the payment, resulting from the use of a those rights to recover damages covered "auto"you hire, without a from another are transferred to us. driver, or your employee hires That person or organization must do without a driver, at your direction, everything necessary to secure our for the purpose of conducting your rights and must do nothing after the business,for a period of 30 days "accident"or"loss" to impair them. or less, provided the suit is brought within The United States 18. UNINTENTIONAL FAILURE TO of America or its territories or DISCLOSE INFORMATION possessions. The following is added to SECTION IV SECTION V-DEFINITIONS BUSINESS AUTO CONDITIONS. B. General Conditions, paragraph 2. 20. MENTAL ANGUISH Concealment, Misrepresentation Or Fraud: Paragraph C. "Bodily injury", SECTION V- DEFINITIONS is replaced by the following: Your unintentional error in disclosing, or failure to disclose, any material fact C. "Bodily injury" means bodily injury, existing after the effective date of this sickness or disease sustained by a Coverage Form shall not prejudice your person including death or mental rights under this Coverage Form. anguish resulting from any of these. However,this provision does not affect our right to collect additional premium or exercise our right of cancellation or nonrenewal. Includes copyrighted material of Insurance Services Office, Inc.with its permission. Copyright, Insurance Services Office, Inc., 1996 461-0155 (9-97) POLICY:AW2-D781287-04 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BLANKET ADDITIONAL INSURED - PRIMARY AND NON-CONTRIBUTORY This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM A. The following is added to SECTION II — LIABILITY COVERAGE, Paragraph A.1. Who Is If you agree in a written contract, written An Insured: agreement or written permit that the insurance Additional Insured if Required by Contract provided to a person or organization who qualifies If you agree in a written contract, written as an additional "insured" under SECTION II — agreement or written permit that a person or LIABILITY COVERAGE, Paragraph A.1. Who Is organization be added as an additional "insured" An Insured, subparagraph Additional Insured if under this Coverage Part, such person or Required by Contract is primary and non- organization is an "insured"; but only to the extent contributory, the following applies: that such person or organization qualifies as an The liability coverage provided by this Coverage "insured"under paragraph A.1.c. of this Section. Part is primary to any other insurance available to If you agree in a written contract, written the additional "insured" as a Named Insured. We agreement or written permit that a person or will not seek contribution from any other insurance organization be added as an additional "insured" available to the additional "insured"except: under this Coverage Part, the most we will pay on (1) For the sole negligence of the additional behalf of such additional "insured" is the lesser of: "insured"; or (1) The Limits of Insurance for liability coverage (2) For negligence arising out of the ownership, specified in the written contract, written maintenance or use of any "auto" not owned agreement or written permit; or by the additional "insured" or by you, unless (2) The Limits of Insurance for Liability Coverage that "auto" is a "trailer" connected to an "auto" shown in the Declarations applicable to this owned by the additional"insured"or by you; or Coverage Part. (3) When the additional "insured" is also an Such amount shall be part of and not in addition to additional "insured" under another liability the Limits of Insurance shown in the Declarations policy. applicable to this Coverage Part. Regardless of C. This endorsement will apply only if the "accident" the number of covered "autos", "insureds", occurs: premiums paid, claims made or vehicles involved 1. During the policy period; in the "accident", the most we will pay for the total of all damages and "covered pollution cost or 2. Subsequent to the execution of the written expense" combined resulting from any one contract or written agreement or the issuance "accident" is the Limit of Insurance for Liability of the written permit; and Coverage shown in the Declarations. 3. Prior to the expiration of the period of time that B. The following is added to SECTION IV — the written contract, written agreement or BUSINESS AUTO CONDITIONS, Paragraph B. written permit requires such insurance to be General Conditions, subparagraph .5. Other provided to the additional"insured". Insurance: D. Coverage provided to an additional "insured" will Primary and Non-Contributory not be broader than coverage provided to any other"insured" under this Coverage Part. ALL OTHER TERMS, CONDITIONS,AND EXCLUSIONS REMAIN UNCHANGED. Page 1 of 1 461-0478 12 12 Includes copyrighted material of ISO Insurance Services Office,Inc.,with its permission EiHnover Insurance Group_ SCHEDULE OF UNDERLYING POLICIES Insured: KITTELSON&ASSOCIATES Effective on and after 01/01/22 12:01 A.M.Standard Time This Schedule is part of Policy Number: UH2D78128103 CARRIER, POLICY NUMBER&PERIOD TYPE OF POLICY APPLICABLE LIMITS OR AMOUNT OF INSURANCE (a) Carrier:Hanover Insurance CO. Commercial General Liability $1,000,000 Occurrence/Each Claim Policy Number:ZD2D78128003 0 Owned Autos $1,000,000 Personal Injury Policy Period: 01/01/2022-01/01/2023 0 Non-owned&Hired Autos $1,000,000 Advertising Injury $2,000,000 General Aggregate Incl in Gen Agg Product/Completed Operations Aggregate FOREIGN (a) Carrier:HANOVER INSURANCE CO. Commercial General Liability $2,000,000 Occurrence/Each Claim Policy Number:ZH2H86795100 ❑ Owned Autos $2,000,000 Personal Injury Policy Period: 01/01/2022-01/01/2023 0 Non-owned&Hired Autos $2,000,000 Advertising Injury $4,000,000 General Aggregate $4,000,000 Product/Completed Operations Aggregate (b) Carrier:ALLMERICA FINANCIAL BENEFITS Comprehensive Automobile Bodily Injury and Property Damage Liability Combined: INS.CO. Liability including Policy Number:AW2D78128704 Owned Autos $1,000,000 Each Accident Policy Period: 01/01/2022-01/01/2023 ❑X Non-Owned&Hired Autos Bodily Injury $ Each Person $ Each Accident Property Damage: $ Each Accident (c) Carrier: Garage Liability Bodily Injury and Property Damage Liability Combined: Policy Number: ❑ Dealers Each Accident Policy Period: El Service Garage Operations $ Auto Only $ Other than Auto Only $ Aggregate Garage Operations $ Other than Auto Only An"X"marked in the box provided indicates these broadening or optional coverage are provided in the Underlying Insurance 475-0003 12 14 Page 4 Includes copyrighted material of Insurance Services Office, Inc.with its permission Agent 4The Hanover Insurance Group.. (d) Carrier:ALLMERICA FINANCIAL BENEFITS Standard Workers' Compensation Coverage B—Employers Liability INS. CO. &Employers'Liability Policy Number:WM2D78128903 Bodily Injury by Accident Policy Period: 01/01/2022-01/01/2023 $1,000,000 Each Accident NEW YORK ONLY: Bodily Injury by Disease The Umbrella Coverage for $1,000,000 Each Employee Workers'Compensation and $1,000,000 Aggregate Employers Liability is not applicable in situations where an employee is subject to the New York Workers'Compensation Law. (e) Carrier: Liquor Liability $ Each Common Cause Policy Number: $ Other Policy Period: $ Aggregate $ Other (f) Carrier: Professional Liability $ Each Occurrence Policy Number: $ Each Claim • Policy Period: $ Other $ Aggregate $ Other (g) Carrier: Directors&Officers Liability $ Each Occurrence Policy Number: $ Each Claim Policy Period: $ Other $ Aggregate $ Other (h) Carrier: MASSACHUSETTS BAY INS. CO Stop Gap Liability Bodily Injury by Accident Policy Number:ZD2D78128002 $ 1,000,000 Each Accident Policy Period: 01/01/2021-01/01/2022 Bodily Injury by Disease $ 1,000,000 Each Employee $ 1,000,000 Aggregate (i) Carrier: Abuse and Molestation $ Each Occurrence Policy Number: $ Each Claim Policy Period: $ Other $ Aggregate (j) Carrier: Foreign $ Each Occurrence Policy Number: $ Each Claim Policy Period: $ Other $ Aggregate (k) Carrier: MASSACHUSETTS BAY Employee Benefits Liability $ Each Occurence INSURANCE COMPANY Policy Number:ZD2D78128002 $1,000,000 Each Claim Policy Period:01/01/2021-01/01/2022 $ Other $2,000,000 Aggregate 475-0003 12 14 Page 5 Includes copyrighted material of Insurance Services Office, Inc.with its permission Agent POLICY: UH2D78128103 (HANOVER COMMERCIAL FOLLOW FORM EXCESS AND) (UMBRELLA POLICY) Various provisions of this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered. We will not pay sums or perform acts or services unless explicitly provided for in this policy. Throughout this policy the words you and your refer to the Named Insured shown in the Declarations and any other person or organization qualifying as a Named Insured under this policy.The words we, us and our refer to the Company providing this insurance. Other words and phrases that appear in quotation marks have special meaning. Refer to the Definitions Section of this policy. (I. INSURING AGREEMENTS) e. We have no obligation under this (1. Coverage A Follow Form Excess Liability) insurance with respect to any claim or (Insuring Agreements "suit"settled without our consent. a. We will pay on behalf of the insured those f. This policy does not apply to any part of sums in excess of the "underlying loss within the Limit of Insurance of insurance" which the insured becomes "underlying insurance", or any related legally obligated to pay as damages, costs or expenses. provided: g. No other obligation or liability to pay sums (1) Such damages are covered by or perform acts or services is covered "underlying insurance"; unless explicitly provided for under section II. DEFENSE AND SETTLEMENT and (2) The event which triggers coverage on section V. SUPPLEMENTAL the"underlying insurance"takes place PAYMENTS. during the policy period of this insurance, and 2. Coverage B —Umbrella Liability Insuring Agreement (3) The applicable Limit of Insurance of the "underlying insurance" is a. We will pay on behalf of the insured those exhausted by payment of judgments, sums in excess of the "retained limit" settlements,related costs or expenses shown in the Declarations which the for damages also covered under this insured becomes legally obligated to pay policy. We will not pay if the Limit of as damages because of "bodily injury", Insurance of"underlying insurance" is "property damage", "personal injury" and exhausted by payment for damages to "advertising injury"to which this coverage which this insurance does not also applies, provided: apply. (1) The: b. We will not pay damages that the (a) "Bodily injury" or "property "underlying insurance" does not pay for damage" is caused by an any reason other than exhaustion of limits "occurrence"; or of the"underlying insurance" by payment (b) "Personal injury" and "advertising of judgments, settlements, related costs or injury" is caused by an offense expenses. arising out of your business; c. The terms and conditions of the Which took place within the coverage "underlying insurance" in effect at the territory as described in section IV. inception of this policy apply unless they COVERAGE TERRITORY; are inconsistent with the terms and conditions of this policy. (2) The "bodily injury" or "property d. The amount we will pay for damages is damage" occurs during the policy period, and the offense causing limited as described in section VI. LIMITS "personal injury"or"advertising injury" OF INSURANCE. is first committed during our policy period; and 475-0001 01 18 Includes copyrighted material of Insurance Services Office,Inc.,with its permission. Page 2 of 20 Copyright 2017 The Hanover Insurance Group, Inc.All Rights Reserved. POLICY:AW2-D781287-04 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DESIGNATED INSURED This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM GARAGE COVERAGE FORM MOTOR CARRIER COVERAGE FORM TRUCKERS COVERAGE FORM With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by this endorsement. This endorsement identifies person(s) or organization(s) who are "insureds" under the Who Is An Insured Provision of the Coverage Form. This endorsement does not alter coverage provided in the Coverage Form. This endorsement changes the policy effective on the inception date of the policy unless another date is indicated below. Endorsement Effective: 01/01/2022 Countersigned By: fa" Named Insured: I Kittelson &Associates, Inc. (Authorized Representative) SCHEDULE Name of Person(s) or Organization(s): BLANKET ADDITIONAL INSURED PER WRITTEN AGREEMENT, CONTRACT OR PERMIT (If no entry appears above, information required to complete this endorsement will be shown in the Decla- rations as applicable to the endorsement.) Each person or organization shown in the Schedule is an "insured" for Liability Coverage, but only to the extent that person or organization qualifies as an "insured" under the Who Is An Insured Provision con- tained in Section II of the Coverage Form. CA 20 48 02 99 Copyright, Insurance Services Office, Inc., 1998 Page 1 of 1 POLICY: ZD2D78128003 COMMERCIAL GENERAL LIABILITY CG 00 01 0413 COMMERCIAL GENERAL LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage. (2) The "bodily injury" or "property damage" Read the entire policy carefully to determine rights, occurs during the policy period; and duties and what is and is not covered. (3) Prior to the policy period, no insured listed Throughout this policy the words "you" and "your" under Paragraph 1. of Section II — Who Is refer to the Named Insured shown in the Declarations, An Insured and no "employee" authorized and any other person or organization qualifying as a by you to give or receive notice of an Named Insured under this policy. The words "we", "occurrence" or claim, knew that the "bodily "us" and "our" refer to the company providing this injury" or "property damage" had occurred, insurance. in whole or in part. If such a listed insured The word "insured"means any person or organization or authorized "employee" knew, prior to the qualifying as such under Section II — Who Is An policy period, that the "bodily injury" or Insured. "property damage" occurred, then any Other words and phrases that appear in quotation continuation, change or resumption of such marks have special meaning. Refer to Section V — orr after ter y injury"thery or "property damage" during Definitions. policy period will be deemed to have been known prior to the policy period. SECTION I—COVERAGES c. "Bodily injury" or "property damage" which COVERAGE A—BODILY INJURY AND PROPERTY occurs during the policy period and was not, DAMAGE LIABILITY prior to the policy period, known to have 1. Insuring Agreement occurred by any insured listed under Paragraph 1. of Section II —Who Is An Insured a. We will pay those sums that the insured or any"employee" authorized by you to give or becomes legally obligated to pay as damages receive notice of an "occurrence" or claim, because of"bodily injury" or"property damage" includes -any continuation, change or to which this insurance applies. We will have resumption of that "bodily injury" or "property the right and duty to defend the insured against damage"after the end of the policy period. any "suit" seeking those damages. However, d. "Bodily injury" or "property damage" will be we will have no duty to defend the insured against any "suit" seeking damages for "bodily deemed to have been known to have occurred injury" or "property damage" to which this at the earliest time when any insured listed insurance does not apply. We may, at our under Paragraph 1. of Section II —Who Is An discretion, investigate any "occurrence" and Insured or any"employee"authorized by you to settle any claim or"suit"that may result. But: give por receive notice of an "occurrence" or clai (1) The amount we will pay for damages. is (1) Reports all, or any part, of the"bodily injury" limited as described in Section III — Limits or "property damage" to us or any other Of Insurance; and insurer; (2) Our right and duty to defend ends when we have used up the applicable limit of (2) Receives a written or verbal demand or insurance in the payment of judgments or claim for damages because of the "bodily settlements under Coverages A or B or injury"or"property damage"; or medical expenses under Coverage C. (3) Becomes aware by any other means that No other obligation or liability to pay sums or "bodily injury" or "property damage" has perform acts or services is covered unless occurred or has begun to occur. explicitly provided for under Supplementary e. Damages because of "bodily injury" include Payments—Coverages A and B. damages claimed by any person or b. This insurance applies to "bodily injury" and organization for care, loss of services or death "property damage"only if: resulting at any time from the"bodily injury". (1) The "bodily injury" or "property damage" is caused by an "occurrence" that takes place in the"coverage territory"; CG 00 01 04 13 ©Insurance Services Office, Inc., 2012 Page 1 of 16 2. Exclusions This exclusion applies even if the claims This insurance does not apply to: against any insured allege negligence or other wrongdoing in: a. Expected Or Intended Injury (a) The supervision, hiring, employment, "Bodily injury" or "property damage" expected training or monitoring of others by that or intended from the standpoint of the insured. insured; or This exclusion does not apply to "bodily injury" resulting from the use of reasonable force to (b) Providing or failing to provide protect persons or property. transportation with respect to any person that may be under the influence b. Contractual Liability of alcohol; "Bodily injury" or "property damage" for which if the "occurrence" which caused the "bodily the insured is obligated to pay damages by injury" or "property damage", involved that reason of the assumption of liability in a which is described in Paragraph (1), (2) or (3) contract or agreement. This exclusion does not above. apply to liability for damages: However, this exclusion applies only if you are (1) That the insured would have in the absence in the business of manufacturing, distributing, of the contract or agreement; or selling, serving or furnishing alcoholic (2) Assumed in a contract or agreement that is beverages. For the purposes of this exclusion, an "insured contract", provided the "bodily permitting a person to bring alcoholic injury" or "property damage" occurs beverages on your premises, for consumption subsequent to the execution of the contract on your premises, whether or not a fee is or agreement. Solely for the purposes of charged or a license is required for such liability assumed in an "insured contract", activity, is not by itself considered the business reasonable attorneys' fees and necessary of selling, serving or furnishing alcoholic litigation expenses incurred by or for a party beverages. other than an insured are deemed to be d. Workers'Compensation And Similar Laws damages because of "bodily injury" or "property damage", provided: Any obligation of the insured under a workers' compensation, disability benefits or (a) Liability to such party for, or for the cost unemployment compensation law or any of, that party's defense has also been similar law. assumed in the same "insured contract"; e. Employer's Liability (b) Such attorneys' fees and litigation "Bodily injury"to: expenses are for defense of that party (1) An "employee" of the insured arising out of against a civil or alternative dispute and in the course of: resolution proceeding in which damages (a) Employment by the insured; or to which this insurance applies are alleged. (b) Performing duties related to the conduct c. Liquor Liability of the insured's business; or "Bodily injury" or "property damage" for which (2) The spouse, child, parent, brother or sister of that "employee" as a consequence of any insured may be held liable by reason of: Paragraph (1)above. (1) Causing or contributing to the intoxication of This exclusion applies whether the insured any person; may be liable as an employer or in any other (2) The furnishing of alcoholic beverages to a capacity and to any obligation to share person under the legal drinking age or damages with or repay someone else who under the influence of alcohol; or must pay damages because of the injury. (3) Any statute, ordinance or regulation relating This exclusion does not apply to liability to the sale, gift, distribution or use of assumed by the insured under an "insured alcoholic beverages. contract". Page 2 of 16 ©Insurance Services Office, Inc., 2012 CG 00 01 0413 f. Pollution (d) At or from any premises, site or location (1) "Bodily injury" or "property damage" arising on which any insured or any contractors out of the actual, alleged or threatened or subcontractors working directly or discharge, dispersal, seepage, migration, indirectly on any insured's behalf are release or escape of"pollutants": performing operations if the "pollutants" are brought on or to the premises, site (a) At or from any premises, site or location or location in connection with such which is or was at any time owned or operations by such insured, contractor occupied by, or rented or loaned to, any or subcontractor. However, this insured. However, this subparagraph subparagraph does not apply to: does not apply to: (i) "Bodily injury" or "property damage"e" (i) "Bodily injury" if sustained within a arising out of the escape of fuels, building and caused by smoke, lubricants or other operating fluids fumes, vapor or soot produced by or which are needed to perform the originating from equipment that is normal electrical, hydraulic or used to heat, cool or dehumidify the mechanical functions necessary for building, or equipment that is used to the operation of "mobile equipment" heat water for personal use, by the or its parts, if such fuels, lubricants building's occupants or their guests; or other operating fluids escape from (ii) "Bodily injury" or "property damage" a vehicle part designed to hold, store for which you may be held liable, if or receive them. This exception does you are a contractor and the owner not apply if the "bodily injury" or or lessee of such premises, site or "property damage" arises out of the location has been added to your intentional discharge, dispersal or policy as an additional insured with release of the fuels, lubricants or respect to your ongoing operations other operating fluids, or if such performed for that additional insured fuels, lubricants or other operating at that premises, site or location and fluids are brought on or to the such premises, site or location is not premises, site or location with the and never was owned or occupied intent that they be discharged, by, or rented or loaned to, any dispersed or released as part of the insured, other than that additional operations being performed by such insured; or insured, contractor or subcontractor; (iii) "Bodily injury" or "property damage" (ii) "Bodily injury" or "property damage" arising out of heat, smoke or fumes sustained within a building and from a"hostile fire"; caused by the release of gases, (b) At or from any premises, site or location fumes or vapors from materials which is or was at any time used by or brought into that building in for any insured or others for the connection with operations being handling, storage, disposal, processing performed by you or on your behalf or treatment of waste; by a contractor or subcontractor; or (c) Which are or were at any time (iii) "Bodily injury" or "property damage" transported, handled, stored, treated, arising out of heat, smoke or fumes disposed of, or processed as waste by from a"hostile fire". or for: (e) At or from any premises, site or location (i) Any insured; or on which any insured or any contractors or subcontractors working directly or (ii) Any person or organization for whom indirectly on any insured's behalf are you may be legally responsible; or performing operations if the operations are to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of, "pollutants". CG 00 01 04 13 ©Insurance Services Office, Inc., 2012 Page 3 of 16 (2) Any loss, cost or expense arising out of (5) "Bodily injury" or "property damage" arising any: out of: (a) Request, demand, order or statutory or (a) The operation of machinery or regulatory requirement that any insured equipment that is attached to, or part of, or others test for, monitor, clean up, a land vehicle that would qualify under remove, contain, treat, detoxify or the definition of "mobile equipment" if it neutralize, or in any way respond to, or were not subject to a compulsory or assess the effects of, "pollutants"; or financial responsibility law or other (b) Claim or suit by or on behalf of a motor vehicle insurance law where it is governmental authority for damages licensed or principally garaged; or because of testing for, monitoring, (b) The operation of any of the machinery cleaning up, removing, containing, or equipment listed in Paragraph f.(2) or treating, detoxifying or neutralizing, or in f.(3) of the definition of "mobile any way responding to, or assessing the equipment". effects of, "pollutants". h. Mobile Equipment However, this paragraph does not apply to "Bodily injury" or"property damage"arising out liability for damages because of "property of: damage"that the insured would have in the absence of such request, demand, order or (1) The transportation of"mobile equipment" by statutory or regulatory requirement, or such an "auto"owned or operated by or rented or claim or "suit" by or on behalf of a loaned to any insured; or governmental authority. (2) The use of "mobile equipment" in, or while g. Aircraft,Auto Or Watercraft in practice for, or while being prepared for, "Bodily injury" or"property damage"arising out any prearranged racing, speed, demolition, or stunting activity. of the ownership, maintenance, use or entrustment to others of any aircraft, "auto" or i. War watercraft owned or operated by or rented or "Bodily injury" or "property damage", however loaned to any insured. Use includes operation caused, arising,directly or indirectly, out of: and "loading or unloading". (1) War, including undeclared or civil war; This exclusion applies even if the claims (2) Warlike action by a military force, including against any insured allege negligence or other action in hindering or defending against an wrongdoing in the supervision, hiring, actual or expected attack, by any employment, training or monitoring of others by government, sovereign or other authority that insured, if the "occurrence" which caused using military personnel or other agents;or the "bodily injury" or "property damage" involved the ownership, maintenance, use or (3) Insurrection, rebellion, revolution, usurped entrustment to others of any aircraft, "auto" or power, or action taken by governmental watercraft that is owned or operated by or authority in hindering or defending against rented or loaned to any insured. any of these. This exclusion does not apply to: j. Damage To Property (1) A watercraft while ashore on premises you "Property damage"to: own or rent; 1 Propertyyou own, rent, or occupy, including (2) A watercraft you do not own that is: any costs or expenses incurred by you, or (a) Less than 26 feet long; and any other person, organization or entity, for repair, replacement, enhancement, (b) Not being used to carry persons or restoration or maintenance of such property property for a charge; for any reason, including prevention of (3) Parking an "auto" on, or on the ways next injury to a person or damage to another's to, premises you own or rent, provided the property; "auto" is not owned by or rented or loaned (2) Premises you sell, give away or abandon, if to you or the insured; the "property damage" arises out of any (4) Liability assumed under any "insured part of those premises; contract"for the ownership, maintenance or (3) Property loaned to you; use of aircraft or watercraft;or Page 4 of 16 ©Insurance Services Office, Inc., 2012 CG 00 01 0413 (4) Personal property in the care, custody or This exclusion does not apply to the loss of use control of the insured; of other property arising out of sudden and (5) That particular part of real property on accidental physical injury to "your product" or which you or any contractors or "your work"after it has been put to its intended subcontractors working directly or indirectly use. on your behalf are performing operations, if n. Recall Of Products,Work Or Impaired the "property damage" arises out of those Property operations;or Damages claimed for any loss, cost or (6) That particular part of any property that expense incurred by you or others for the loss must be restored, repaired or replaced of use, withdrawal, recall, inspection, repair, because "your work" was incorrectly replacement, adjustment, removal or disposal performed on it. of: Paragraphs (1), (3) and (4) of this exclusion do (1) "Your product"; not apply to "property damage" (other than (2) "Your work";or damage by fire) to premises, including the contents of such premises, rented to you for a (3) "Impaired property"; period of seven or fewer consecutive days. A if such product, work, or property is withdrawn separate limit of insurance applies to Damage or recalled from the market or from use by any To Premises Rented To You as described in person or organization because of a known or Section III—Limits Of Insurance. suspected defect, deficiency, inadequacy or Paragraph (2) of this exclusion does not apply dangerous condition in it. if the premises are "your work" and were never o. Personal And Advertising Injury occupied, rented or held for rental by you. "Bodily injury" arising out of "personal and Paragraphs (3), (4), (5) and (6) of this advertising injury". exclusion do not apply to liability assumed p. Electronic Data under a sidetrack agreement. Paragraph (6) of this exclusion does not apply Damages arising out of the loss of, loss of use to"property damage" included in the "products- of, damage to, corruption of, inability to access, completed operations hazard". or inability to manipulate electronic data. k. Damage To Your Product However, this exclusion does not apply to liability for damages because of"bodily injury". "Property damage"to"your product"arising out As used in this exclusion, electronic data of it or any part of it. means information, facts or programs stored as I. Damage To Your Work or on, created or used on, or transmitted to or "Property damage"to "your work"arising out of from computer software, including systems and it or any part of it and included in the "products- applications software, hard or floppy disks, CD- completed operations hazard". ROMs, tapes, drives, cells, data processing devices or any other media which are used This exclusion does not apply if the damaged with electronically controlled equipment. work or the work out of which the damage arises was performed on your behalf by a q. Recording And Distribution Of Material Or subcontractor. Information In Violation Of Law m. Damage To Impaired Property Or Property "Bodily injury" or "property damage" arising Not Physically Injured directly or indirectly out of any action or "Property damage" to "impaired property" or omission that violates or is alleged to violate: property that has not been physically injured, (1) The Telephone Consumer Protection Act arising out of: (TCPA), including any amendment of or (1) A defect, deficiency, inadequacy or addition to such law; dangerous condition in "your product" or (2) The CAN-SPAM Act of 2003, including any "your work"; or amendment of or addition to such law; (2) A delay or failure by you or anyone acting (3) The Fair Credit Reporting Act (FCRA), and on your behalf to perform a contract or any amendment of or addition to such law, agreement in accordance with its terms. including the Fair and Accurate Credit Transactions Act(FACTA); or CG 00 01 04 13 ©Insurance Services Office, Inc., 2012 Page 5 of 16 (4) Any federal, state or local statute, 2. Exclusions ordinance or regulation, other than the This insurance does not apply to: TCPA, CAN-SPAM Act of 2003 or FCRA and their amendments and additions, that a. Knowing Violation Of Rights Of Another addresses, prohibits, or limits the printing, "Personal and advertising injury" caused by or dissemination, disposal, collecting, at the direction of the insured with the recording, sending, transmitting, knowledge that the act would violate the rights communicating or distribution of material or of another and would inflict "personal and information. advertising injury". Exclusions c. through n. do not apply to damage b. Material Published With Knowledge Of by fire to premises while rented to you or Falsity temporarily occupied by you with permission of the "Personal and advertising injury" arising out of owner.A separate limit of insurance applies to this oral or written publication, in any manner, of coverage as described in Section III — Limits Of material, if done by or at the direction of the Insurance. insured with knowledge of its falsity. COVERAGE B—PERSONAL AND ADVERTISING c. Material Published Prior To Policy Period INJURY LIABILITY 1. Insuring Agreement "Personal and advertising injury" arising out of oral or written publication, in any manner, of a. We will pay those sums that the insured material whose first publication took place becomes legally obligated to pay as damages before the beginning of the policy period. because of"personal and advertising injury" to d. Criminal Acts which this insurance applies. We will have the right and duty to defend the insured against "Personal and advertising injury" arising out of any "suit" seeking those damages. However, a criminal act committed by or at the direction we will have no duty to defend the insured of the insured. against any "suit" seeking damages for e. Contractual Liability "personal and advertising injury" to which this "Personal and advertising injury" for which the insurance does not apply. We may, at our insured has assumed liability in a contract or discretion, investigate any offense and settle any claim or"suit"that may result. But: agreement. This exclusion does not apply to The amount we will liability for damages that the insured would (1) pay for damages is have in the absence of the contract or limited as described in Section III — Limits agreement. Of Insurance; and f. Breach Of Contract (2) Our right and duty to defend end when we "Personal and advertising injury" arising out of have used up the applicable limit of a breach of contract, except an implied insurance in the payment of judgments or contract to use another's advertising idea in settlements under Coverages A or B or your"advertisement". medical expenses under Coverage C. No other obligation or liability to pay sums or g. Quality Or Performance Of Goods—Failure perform acts or services is covered unless To Conform To Statements explicitly provided for under Supplementary "Personal and advertising injury" arising out of Payments—Coverages A and B. the failure of goods, products or services to b. This insurance applies to "personal and conform with any statement of quality or advertising injury"caused by an offense arising performance made in your"advertisement". out of your business but only if the offense was h. Wrong Description Of Prices committed in the "coverage territory"during the "Personal and advertising injury" arising out of policy period. the wrong description of the price of goods, products or services stated in your "advertisement". Page 6 of 16 ©Insurance Services Office, Inc., 2012 CG 00 01 04 13 i. Infringement Of Copyright, Patent, n. Pollution-related Trademark Or Trade Secret Any loss, cost or expense arising out of any: "Personal and advertising injury" arising out of (1) Request, demand, order or statutory or the infringement of copyright, patent, regulatory requirement that any insured or trademark, trade secret or other intellectual others test for, monitor, clean up, remove, property rights. Under this exclusion, such contain, treat, detoxify or neutralize, or in other intellectual property rights do not include any way respond to, or assess the effects the use of another's advertising idea in your of, "pollutants"; or "advertisement". (2) Claim or suit by or on behalf of a However, this exclusion does not apply to governmental authority for damages infringement, in your "advertisement", of because of testing for, monitoring, cleaning copyright, trade dress or slogan. up, removing, containing, treating, j. Insureds In Media And Internet Type detoxifying or neutralizing, or in any way Businesses responding to, or assessing the effects of, "Personal and advertising injury" committed by "pollutants". an insured whose business is: o. War (1) Advertising, broadcasting, publishing or "Personal and advertising injury", however telecasting; caused, arising, directly or indirectly, out of: (2) Designing or determining content of web (1) War,including undeclared or civil war; sites for others; or (2) Warlike action by a military force, including (3) An Internet search, access, content or action in hindering or defending against an service provider. actual or expected attack, by any However, this exclusion does not apply to government, sovereign or other authority Paragraphs 14.a., b. and c. of "personal and using military personnel or other agents; or advertising injury" under the Definitions (3) Insurrection, rebellion, revolution, usurped section. power, or action taken by governmental For the purposes of this exclusion, the placing authority in hindering or defending against of frames, borders or links, or advertising, for any of these. you or others anywhere on the Internet, is not p. Recording And Distribution Of Material Or by itself, considered the business of Information In Violation Of Law advertising, broadcasting, publishing or "Personal and advertising injury" arising telecasting. directly or indirectly out of any action or k. Electronic Chatrooms Or Bulletin Boards omission that violates or is alleged to violate: "Personal and advertising injury" arising out of (1) The Telephone Consumer Protection Act an electronic chatroom or bulletin board the (TCPA), including any amendment of or insured hosts, owns, or over which the insured addition to such law; exercises control. (2) The CAN-SPAM Act of 2003, including any I. Unauthorized Use Of Another's Name Or amendment of or addition to such law; Product (3) The Fair Credit Reporting Act (FCRA), and "Personal and advertising injury" arising out of any amendment of or addition to such law, the unauthorized use of another's name or including the Fair and Accurate Credit product in your e-mail address, domain name Transactions Act(FACTA); or or metatag, or any other similar tactics to (4) Any federal, state or local statute, mislead another's potential customers. ordinance or regulation, other than the m. Pollution TCPA, CAN-SPAM Act of 2003 or FCRA "Personal and advertising injury" arising out of and their amendments and additions, that the actual, alleged or threatened discharge, addresses, prohibits, or limits the printing, dispersal, seepage, migration, release or dissemination, disposal, collecting, escape of"pollutants"at any time. recording, sending, transmitting, communicating or distribution of material or information. CG 00 01 04 13 ©Insurance Services Office, Inc., 2012 Page 7 of 16 COVERAGE C—MEDICAL PAYMENTS d. Workers' Compensation And Similar Laws 1. Insuring Agreement To a person, whether or not an "employee" of a. We will pay medical expenses as described any insured, if benefits for the "bodily injury" below for"bodily injury"caused by an accident: are payable or must be provided under a workers' compensation or disability benefits (1) On premises you own or rent; law or a similar law. (2) On ways next to premises you own or rent; e. Athletics Activities or To a person injured while practicing, instructing (3) Because of your operations; or participating in any physical exercises or provided that: games,sports, or athletic contests. (a) The accident takes place in the f. Products-Completed Operations Hazard "coverage territory"and during the policy Included within the "products-completed period; operations hazard". (b) The expenses are incurred and reported g. Coverage A Exclusions to us within one year of the date of the Excluded under Covera a A. accident; and g (c) The injured person submits to SUPPLEMENTARY PAYMENTS—COVERAGES A examination, at our expense, by AND B physicians of our choice as often as we 1. We will pay, with respect to any claim we reasonably require. investigate or settle, or any "suit" against an b. We will make these payments regardless of insured we defend: fault. These payments will not exceed the a. All expenses we incur. applicable limit of insurance. We will pay b. Up to $250 for cost of bail bonds required reasonable expenses for: because of accidents or traffic law violations (1) First aid administered at the time of an arising out of the use of any vehicle to which accident; the Bodily Injury Liability Coverage applies. We (2) Necessary medical, surgical, X-ray and do not have to furnish these bonds. dental services, including prosthetic c. The cost of bonds to release attachments, but devices; and only for bond amounts within the applicable (3) Necessary ambulance, hospital, limit of insurance. We do not have to furnish professional nursing and funeral services. these bonds. 2. Exclusions d. All reasonable expenses incurred by the insured at our request to assist us in the We will not pay expenses for"bodily injury": investigation or defense of the claim or "suit", a. Any Insured including actual loss of earnings up to $250 a To any insured, except"volunteer workers". day because of time off from work. b. Hired Person e. All court costs taxed against the insured in the "suit". However, these payments do not include To a person hired to do work for or on behalf of attorneys' fees or attorneys' expenses taxed any insured or a tenant of any insured. against the insured. c. Injury On Normally Occupied Premises f. Prejudgment interest awarded against the To a person injured on that part of premises insured on that part of the judgment we pay. If you own or rent that the person normally we make an offer to pay the applicable limit of occupies. insurance, we will not pay any prejudgment interest based on that period of time after the offer. Page 8 of 16 ©Insurance Services Office, Inc., 2012 CG 00 01 04 13 g. All interest on the full amount of any judgment So long as the above conditions are met, that accrues after entry of the judgment and attorneys' fees incurred by us in the defense of before we have paid, offered to pay, or that indemnitee, necessary litigation expenses deposited in court the part of the judgment that incurred by us and necessary litigation expenses is within the applicable limit of insurance. incurred by the indemnitee at our request will be These payments will not reduce the limits of paid as Supplementary Payments. insurance. Notwithstanding the provisions of Paragraph 2.b.(2) of Section I — Coverage A — Bodily Injury 2. If we defend an insured against a "suit" and an And Property Damage Liability, such payments will indemnitee of the insured is also named as a party not be deemed to be damages for "bodily injury" to the "suit", we will defend that indemnitee if all of and "property damage" and will not reduce the the following conditions are met: limits of insurance. a. The "suit" against the indemnitee seeks Our obligation to defend an insured's indemnitee damages for which the insured has assumed and to pay for attorneys' fees and necessary the liability of the indemnitee in a contract or litigation expenses as SupplementaryPayments agreement that is an "insured contract"; ends when we have used up the applicable limit of b. This insurance applies to such liability insurance in the payment of judgments or assumed by the insured; settlements or the conditions set forth above, or c. The obligation to defend, or the cost of the the terms of the agreement described in defense of, that indemnitee, has also been Paragraph f. above, are no longer met. assumed by the insured in the same "insured SECTION II—WHO IS AN INSURED contract"; 1. If you are designated in the Declarations as: d. The allegations in the"suit" and the information a. An individual, you and your spouse are we know about the "occurrence" are such that insureds, but only with respect to the conduct no conflict appears to exist between the of a business of which you are the sole owner. interests of the insured and the interests of the indemnitee; b. A partnership or joint venture, you are an e. The indemnitee and the insured ask us to insured. Your members, your partners, and their spouses are also insureds, but only with conduct and control the defense of that respect to the conduct of your business. indemnitee against such "suit" and agree that we can assign the same counsel to defend the c. A limited liability company, you are an insured. insured and the indemnitee; and Your members are also insureds, but only with respect to the conduct of your business. Your f. The indemnitee: managers are insureds, but only with respect (1) Agrees in writing to: to their duties as your managers. (a) Cooperate with us in the investigation, d. An organization other than a partnership, joint settlement or defense of the"suit"; venture or limited liability company, you are an (b) Immediately send us copies of any insured. Your"executive officers" and directors demands, notices, summonses or legal are insureds, but only with respect to their papers received in connection with the duties as your officers or directors. Your "suit"; stockholders are also insureds, but only with respect to their liability as stockholders. (c) Notify any other insurer whose coverage e. A trust, you are an insured. Your trustees are is available to the indemnitee;and also insureds, but only with respect to their (d) Cooperate with us with respect to duties as trustees. coordinating other applicable insurance available to the indemnitee; and (2) Provides us with written authorization to: (a) Obtain records and other information related to the"suit"; and (b) Conduct and control the defense of the indemnitee in such "suit". CG 00 01 04 13 ©Insurance Services Office, Inc., 2012 Page 9 of 16 2. Each of the following is also an insured: c. Any person or organization having proper a. Your"volunteer workers" only while performing temporary custody of your property if you die, duties related to the conduct of your business, but only: or your "employees", other than either your (1) With respect to liability arising out of the "executive officers" (if you are an organization maintenance or use of that property; and other than a partnership,joint venture or limited (2) Until your legal representative has been liability company) or your managers (if you are appointed. a limited liability company), but only for acts within the scope of their employment by you or d. Your legal representative if you die, but only while performing duties related to the conduct with respect to duties as such. That of your business. However, none of these representative will have all your rights and "employees" or "volunteer workers" are duties under this Coverage Part. insureds for: 3. Any organization you newly acquire or form, other (1) "Bodily injury" or "personal and advertising than a partnership, joint venture or limited liability injury": company, and over which you maintain ownership (a) To you, to your partners or members (if or majority interest, will qualify as a Named Insured if there is no other similar insurance you are a partnership or joint venture), available to that organization. However: to your members (if you are a limited liability company), to a co-"employee" a. Coverage under this provision is afforded only while in the course of his or her until the 90th day after you acquire or form the employment or performing duties related organization or the end of the policy period, to the conduct of your business, or to whichever is earlier; your other "volunteer workers" while b. Coverage A does not apply to "bodily injury" or performing duties related to the conduct "property damage" that occurred before you of your business; acquired or formed the organization; and (b) To the spouse, child, parent, brother or c. Coverage B does not apply to "personal and sister of that co-"employee" or advertising injury" arising out of an offense "volunteer worker" as a consequence of committed before you acquired or formed the Paragraph (1)(a) above; organization. (c) For which there is any obligation to No person or organization is an insured with respect share damages with or repay someone to the conduct of any current or past partnership,joint else who must pay damages because of venture or limited liability company that is not shown the injury described in Paragraph (1)(a) as a Named Insured in the Declarations. or(b)above; or SECTION III—LIMITS OF INSURANCE (d) Arising out of his or her providing or 1. The Limits of Insurance shown in the Declarations failing to provide professional health and the rules below fix the most we will pay care services. regardless of the number of: (2) "Property damage"to property: a. Insureds; (a) Owned, occupied or used by; b. Claims made or"suits" brought; or (b) Rented to, in the care, custody or c. Persons or organizations making claims or control of, or over which physical control bringing "suits". is being exercised for any purpose by; you, any of your "employees", "volunteer 2. The General Aggregate Limit is the most we will workers", any partner or member(if you are pay for the sum of: a partnership or joint venture), or any a. Medical expenses under Coverage C; member (if you are a limited liability b. Damages under Coverage A, except damages company). because of"bodily injury"or"property damage" b. Any person (other than your "employee" or included in the "products-completed operations "volunteer worker"), or any organization while hazard"; and acting as your real estate manager. c. Damages under Coverage B. Page 10 of 16 ©Insurance Services Office, Inc., 2012 CG 00 01 04 13 3. The Products-Completed Operations Aggregate (3) The nature and location of any injury or Limit is the most we will pay under Coverage A for damage arising out of the "occurrence" or damages because of "bodily injury" and "property offense. damage" included in the "products-completed b. If a claim is made or "suit" is brought against operations hazard". any insured, you must: 4. Subject to Paragraph 2. above, the Personal And (1) Immediately record the specifics of the Advertising Injury Limit is the most we will pay claim or"suit"and the date received; and under Coverage B for the sum of all damages because of all "personal and advertising injury" (2) Notify us as soon as practicable. sustained by any one person or organization. You must see to it that we receive written 5. Subject to Paragraph 2. or 3. above, whichever notice of the claim or "suit" as soon as applies, the Each Occurrence Limit is the most we practicable. will pay for the sum of: c. You and any other involved insured must: a. Damages under Coverage A; and (1) Immediately send us copies of any b. Medical expenses under Coverage C demands, notices, summonses or legal because of all "bodily injury" and "property papers received in connection with the damage"arising out of any one"occurrence". claim or"suit"; 6. Subject to Paragraph 5. above, the Damage To (2) Authorize us to obtain records and other Premises Rented To You Limit is the most we will information; pay under Coverage A for damages because of (3) Cooperate with us in the investigation or "property damage" to any one premises, while settlement of the claim or defense against rented to you, or in the case of damage by fire, the"suit"; and while rented to you or temporarily occupied by you (4) Assist us, upon our request, in the with permission of the owner. enforcement of any right against any 7. Subject to Paragraph 5. above, the Medical person or organization which may be liable Expense Limit is the most we will pay under to the insured because of injury or damage Coverage C for all medical expenses because of to which this insurance may also apply. "bodily injury"sustained by any one person. d. No insured will, except at that insured's own The Limits of Insurance of this Coverage Part apply cost, voluntarily make a payment, assume any separately to each consecutive annual period and to obligation, or incur any expense, other than for any remaining period of less than 12 months, starting first aid,without our consent. with the beginning of the policy period shown in the 3. Legal Action Against Us Declarations, unless the policy period is extended No person or organization has a right under this after issuance for an additional period of less than 12 Coverage Part: months. In that case, the additional period will be deemed part of the last preceding period for purposes a. To join us as a party or otherwise bring us into of determining the Limits of Insurance. a"suit"asking for damages from an insured; or SECTION IV—COMMERCIAL GENERAL LIABILITY b. To sue us on this Coverage Part unless all of CONDITIONS its terms have been fully complied with. 1. Bankruptcy A person or organization may sue us to recover on Bankruptcy or insolvency of the insured or of the an agreed settlement or on a final judgment insured's estate will not relieve us of our against an insured; but we will not be liable for obligations under this Coverage Part. damages that are not payable under the terms of this Coverage Part or that are in excess of the 2. Duties In The Event Of Occurrence, Offense, applicable limit of insurance.An agreed settlement Claim Or Suit means a settlement and release of liability signed a. You must see to it that we are notified as soon by us, the insured and the claimant or the as practicable of an "occurrence" or an offense claimant's legal representative. which may result in a claim. To the extent possible, notice should include: (1) How, when and where the "occurrence" or offense took place; (2) The names and addresses of any injured persons and witnesses; and CG 00 01 04 13 ©Insurance Services Office, Inc., 2012 Page 11 of 16 4. Other Insurance (3) When this insurance is excess over other If other valid and collectible insurance is available insurance, we will pay only our share of the to the insured for a loss we cover under amount of the loss, if any, that exceeds the Coverages A or B of this Coverage Part, our sum of: obligations are limited as follows: (a) The total amount that all such other a. Primary Insurance insurance would pay for the loss in the This insurance is primary except when absence of this insurance; and Paragraph b. below applies. If this insurance is (b) The total of all deductible and self- primary, our obligations are not affected unless insured amounts under all that other any of the other insurance is also primary. insurance. Then, we will share with all that other (4) We will share the remaining loss, if any, insurance by the method described in with any other insurance that is not Paragraph c. below. described in this Excess Insurance b. Excess Insurance provision and was not bought specifically to apply in excess of the Limits of Insurance (1) This insurance is excess over: shown in the Declarations of this Coverage (a) Any of the other insurance, whether Part. primary, excess, contingent or on any c. Method Of Sharing other basis: If all of the other insurance permits contribution (i) That is Fire, Extended Coverage, by equal shares, we will follow this method Builder's Risk, Installation Risk or also. Under this approach each insurer similar coverage for"your work"; contributes equal amounts until it has paid its (ii) That is Fire insurance for premises applicable limit of insurance or none of the loss rented to you or temporarily remains,whichever comes first. occupied by you with permission of If any of the other insurance does not permit the owner; contribution by equal shares, we will contribute (iii) That is insurance purchased by you by limits. Under this method, each insurer's to cover your liability as a tenant for share is based on the ratio of its applicable "property damage" to premises limit of insurance to the total applicable limits of rented to you or temporarily insurance of all insurers. occupied by you with permission of 5. Premium Audit the owner; or a. We will compute all premiums for this (iv) If the loss arises out of the Coverage Part in accordance with our rules maintenance or use of aircraft, and rates. "autos"or watercraft to the extent not subject to Exclusion g. of Section I— b. Premium shown in this Coverage Part as Coverage A — Bodily Injury And advance premium is a deposit premium only. Property Damage Liability. At the close of each audit period we will compute the earned premium for that period (b) Any other primary insurance available to and send notice to the first Named Insured. you covering liability for damages The due date for audit and retrospective arising out of the premises or premiums is the date shown as the due date operations, or the products and on the bill. If the sum of the advance and audit completed operations, for which you premiums paid for the policy period is greater have been added as an additional than the earned premium, we will return the insured. excess to the first Named Insured. (2) When this insurance is excess,we will have c. The first Named Insured must keep records of no duty under Coverages A or B to defend the information we need for premium the insured against any "suit" if any other computation, and send us copies at such times insurer has a duty to defend the insured as we mayrequest. against that "suit". If no other insurer defends, we will undertake to do so, but we 6. Representations will be entitled to the insured's rights By accepting this policy, you agree: against all those other insurers. a. The statements in the Declarations are accurate and complete; Page 12 of 16 ©Insurance Services Office, Inc., 2012 CG 00 01 04 13 b. Those statements are based upon However, "auto" does not include "mobile representations you made to us; and equipment". c. We have issued this policy in reliance upon 3. "Bodily injury" means bodily injury, sickness or your representations. disease sustained by a person, including death 7. Separation Of Insureds resulting from any of these at any time. Except with respect to the Limits of Insurance, and 4. "Coverage territory"means: any rights or duties specifically assigned in this a. The United States of America (including its Coverage Part to the first Named Insured, this territories and possessions), Puerto Rico and insurance applies: Canada; a. As if each Named Insured were the only b. International waters or airspace, but only if the Named Insured;and injury or damage occurs in the course of travel b. Separately to each insured against whom claim or transportation between any places included is made or"suit" is brought. in Paragraph a.above; or 8. Transfer Of Rights Of Recovery Against Others c. All other parts of the world if the injury or To Us damage arises out of: If the insured has rights to recover all or part of (1) Goods or products made or sold by you in any payment we have made under this Coverage the territory described in Paragraph a. Part, those rights are transferred to us. The above; insured must do nothing after loss to impair them. (2) The activities of a person whose home is in At our request, the insured will bring "suit" or the territory described in Paragraph a. transfer those rights to us and help us enforce above, but is away for a short time on your them. business;or 9. When We Do Not Renew (3) "Personal and advertising injury" offenses If we decide not to renew this Coverage Part, we that take place through the Internet or will mail or deliver to the first Named Insured similar electronic means of communication; shown in the Declarations written notice of the provided the insured's responsibility to pay nonrenewal not less than 30 days before the damages is determined in a"suit"on the merits, in expiration date. the territory described in Paragraph a. above or in If notice is mailed, proof of mailing will be sufficient a settlement we agree to. proof of notice. 5. "Employee" includes a "leased worker". SECTION V—DEFINITIONS "Employee" does not include a "temporary worker". 1. "Advertisement" means a notice that is broadcast or published to the general public or specific 6. "Executive officer" means a person holding any of market segments about your goods, products or the officer positions created by your charter, services for the purpose of attracting customers or constitution, bylaws or any other similar governing supporters. For the purposes of this definition: document. a. Notices that are published include material 7. "Hostile fire" means one which becomes placed on the Internet or on similar electronic uncontrollable or breaks out from where it was means of communication; and intended to be. b. Regarding web sites, only that part of a web 8. "Impaired property" means tangible property, other site that is about your goods, products or than "your product" or "your work", that cannot be services for the purposes of attracting used or is less useful because: customers or supporters is considered an a. It incorporates "your product" or "your work" advertisement. that is known or thought to be defective, 2. "Auto"means: deficient, inadequate or dangerous; or a. A land motor vehicle, trailer or semitrailer b. You have failed to fulfill the terms of a contract designed for travel on public roads, including or agreement; any attached machinery or equipment;or if such property can be restored to use by the b. Any other land vehicle that is subject to a repair, replacement, adjustment or removal of compulsory or financial responsibility law or "your product" or "your work" or your fulfilling the other motor vehicle insurance law where it is terms of the contract or agreement. licensed or principally garaged. CG 00 01 04 13 ©Insurance Services Office, Inc., 2012 Page 13 of 16 9. "Insured contract"means: 10."Leased worker" means a person leased to you by a. A contract for a lease of premises. However, a labor leasing firm under an agreement between that portion of the contract for a lease of you and the labor leasing firm, to perform duties premises that indemnifies any person or related to the conduct of your business. "Leased organization for damage by fire to premises worker"does not include a"temporary worker". while rented to you or temporarily occupied by 11."Loading or unloading" means the handling of you with permission of the owner is not an property: "insured contract"; a. After it is moved from the place where it is b. A sidetrack agreement; accepted for movement into or onto an aircraft, c. Any easement or license agreement, except in watercraft or"auto"; connection with construction or demolition b. While it is in or on an aircraft, watercraft or operations on or within 50 feet of a railroad; "auto"; or d. An obligation, as required by ordinance, to c. While it is being moved from an aircraft, indemnify a municipality, except in connection watercraft or "auto" to the place where it is with work for a municipality; finally delivered; e. An elevator maintenance agreement; but "loading or unloading" does not include the f. That part of any other contract or agreement movement of property by means of a mechanical pertaining to your business (including an device, other than a hand truck, that is not indemnification of a municipality in connection attached to the aircraft,watercraft or"auto". with work performed for a municipality) under 12."Mobile equipment" means any of the following which you assume the tort liability of another types of land vehicles, including any attached party to pay for "bodily injury" or "property machinery or equipment: damage"to a third person or organization. Tort a. Bulldozers, farm machinery, forklifts and other liability means a liability that would be imposed vehicles designed for use principally off public by law in the absence of any contract or roads; agreement. Paragraph f. does not include that part of any b. Vehicles maintained for use solely on or next to premises you own or rent; contract or agreement: (1) That indemnifies a railroad for"bodily injury" c. Vehicles that travel on crawler treads; or "property damage" arising out of d. Vehicles, whether self-propelled or not, construction or demolition operations,within maintained primarily to provide mobility to 50 feet of any railroad property and permanently mounted: affecting any railroad bridge or trestle, (1) Power cranes, shovels, loaders, diggers or tracks, road-beds, tunnel, underpass or drills; or crossing; (2) Road construction or resurfacing equipment (2) That indemnifies an architect, engineer or such as graders, scrapers or rollers; surveyor for injury or damage arising out of: e. Vehicles not described in Paragraph a., b., c. (a) Preparing, approving, or failing to or d. above that are not self-propelled and are prepare or approve, maps, shop maintained primarily to provide mobility to drawings, opinions, reports, surveys, permanently attached equipment of the field orders, change orders or drawings following types: and specifications; or (1) Air compressors, pumps and generators, (b) Giving directions or instructions, or including spraying, welding, building failing to give them, if that is the primary cleaning, geophysical exploration, lighting cause of the injury or damage; or and well servicing equipment;or (3) Under which the insured, if an architect, (2) Cherry pickers and similar devices used to engineer or surveyor, assumes liability for raise or lower workers; an injury or damage arising out of the f. Vehicles not described in Paragraph a., b., c. insured's rendering or failure to render or d. above maintained primarily for purposes professional services, including those listed other than the transportation of persons or in (2) above and supervisory, inspection, cargo. architectural or engineering activities. Page 14 of 16 ©Insurance Services Office, Inc., 2012 CG 00 01 0413 However, self-propelled vehicles with the 16."Products-completed operations hazard": following types of permanently attached equipment are not "mobile equipment" but will a. Includes all "bodily injury" and "property damage" occurring away from premises you be considered "autos": own or rent and arising out of"your product"or (1) Equipment designed primarily for: "your work"except: (a) Snow removal; (1) Products that are still in your physical (b) Road maintenance, but not construction possession; or or resurfacing; or (2) Work that has not yet been completed or (c) Street cleaning; abandoned. However, "your work" will be deemed completed at the earliest of the (2) Cherry pickers and similar devices mounted following times: on automobile or truck chassis and used to raise or lower workers; and (a) When all of the work called for in your contract has been completed. (3) Air compressors, pumps and generators, When all of the work to be done at the including spraying, welding, building (b) cleaning, geophysical exploration, lighting job site has been completed if your and well servicing equipment. contract calls for work at more than one However, "mobile equipment" does not include job site. any land vehicles that are subject to a compulsory (c) When that part of the work done at a job or financial responsibility law or other motor site has been put to its intended use by vehicle insurance law where it is licensed or any person or organization other than principally garaged. Land vehicles subject to a another contractor or subcontractor compulsory or financial responsibility law or other working on the same project. motor vehicle insurance law are considered Work that may need service, maintenance, "autos". correction, repair or replacement, but which 13."Occurrence" means an accident, including is otherwise complete, will be treated as continuous or repeated exposure to substantially completed. the same general harmful conditions. b. Does not include "bodily injury" or "property 14."Personal and advertising injury" means injury, damage"arising out of: including consequential "bodily injury", arising out (1) The transportation of property, unless the of one or more of the following offenses: injury or damage arises out of a condition in a. False arrest, detention or imprisonment; or on a vehicle not owned or operated by you, and that condition was created by the b. Malicious prosecution; "loading or unloading" of that vehicle by any c. The wrongful eviction from, wrongful entry into, insured; or invasion of the right of private occupancy of (2) The existence of tools, uninstalled a room, dwelling or premises that a person equipment or abandoned or unused occupies, committed by or on behalf of its materials; or owner, landlord or lessor; (3) Products or operations for which the d. Oral or written publication, in any manner, of classification, listed in the Declarations or in material that slanders or libels a person or a policy Schedule, states that products- organization or disparages a person's or completed operations are subject to the organization's goods, products or services; General Aggregate Limit. e. Oral or written publication, in any manner, of 17."Property damage" means: material that violates a person's right of privacy; a. Physical injury to tangible property, including all resulting loss of use of that property. All f. The use of another's advertising idea in your such loss of use shall be deemed to occur at "advertisement"; or the time of the physical injury that caused it; or g. Infringing upon another's copyright, trade dress b. Loss of use of property tan ible g' that is not or slogan in your"advertisement". physically injured. All such loss of use shall be 15."Pollutants" mean any solid, liquid, gaseous or deemed to occur at the time of the thermal irritant or contaminant, including smoke, "occurrence"that caused it. vapor, soot, fumes, acids, alkalis, chemicals and For the purposes of this insurance, electronic data waste. Waste includes materials to be recycled, is not tangible property. reconditioned or reclaimed. CG 00 01 04 13 ©Insurance Services Office, Inc., 2012 Page 15 of 16 As used in this definition, electronic data means b. Includes: information, facts or programs stored as or on, created or used on, or transmitted to or from ti(1) Warranties or representations made at any computer software, including systems and durability,me with respect no the fitness, quality,yor applications software, hard or floppy disks, CD- performance or use of "your ROMs, tapes, drives, cells, data processing product"; and devices or any other media which are used with (2) The providing of or failure to provide electronically controlled equipment. warnings or instructions. 18."Suit" means a civil proceeding in which damages c. Does not include vending machines or other because of "bodily injury", "property damage" or property rented to or located for the use of "personal and advertising injury" to which this others but not sold. insurance applies are alleged. "Suit"includes: 22."Your work": a. An arbitration proceeding in which such a. Means: damages are claimed and to which the insured (1) Work or operations performed by you or on must submit or does submit with our consent; your behalf; and or b. Any other alternative dispute resolution (2) Materials, parts or equipment furnished in proceeding in which such damages are connection with such work or operations. claimed and to which the insured submits with b. Includes: our consent. (1) Warranties or representations made at any 19."Temporary worker" means a person who is time with respect to the fitness, quality, furnished to you to substitute for a permanent durability, performance or use of "your "employee" on leave or to meet seasonal or short- work";and term workload conditions. (2) The providing of or failure to provide 20."Volunteer worker" means a person who is not warnings or instructions. your"employee", and who donates his or her work and acts at the direction of and within the scope of duties determined by you, and is not paid a fee, salary or other compensation by you or anyone else for their work performed for you. 21."Your product": a. Means: (1) Any goods or products, other than real property, manufactured, sold, handled, distributed or disposed of by: (a) You; (b) Others trading under your name; or (c) A person or organization whose business or assets you have acquired; and (2) Containers (other than vehicles), materials, parts or equipment furnished in connection with such goods or products. Page 16 of 16 ©Insurance Services Office, Inc., 2012 CG 00 01 0413 POLICY:ZD2D78128003 COMMERCIAL GENERAL LIABILITY CG 24 17 10 01 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CONTRACTUAL LIABILITY - RAILROADS This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Scheduled Railroad: Designated Job Site: as required by written contract agreement or permit as required by written contract agreement or permit (If no entry appears above, information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement) With respect to operations performed for, or affecting, Paragraph f. does not include that part of any a Scheduled Railroad at a Designated Job Site, the contract or agreement: definition of "insured contract" in the Definitions sec- (1) That indemnifies an architect, engineer or tion is replaced by the following: surveyor for injury or damage arising out of: 9. "Insured Contract"means: (a) Preparing, approving or failing to pre- a. A contract for a lease of premises. However, pare or approve maps, shop drawings, that portion of the contract for a lease of prem- opinions, reports, surveys, field orders, ises that indemnifies any person or organiza- change orders or drawings and specifi- tion for damage by fire to premises while rented cations; or to you or temporarily occupied by you with fail- permission of the owner is not an "insured con- (b) Giving directions or instructions, or ing to give them, if that is the primary tract"; cause of the injury or damage; b. A sidetrack agreement; (2) Under which the insured, if an architect, c. Any easement or license agreement; engineer or surveyor, assumes liability for d. An obligation, as required by ordinance, to an injury or damage arising out of the in indemnify a municipality, except in connection sured's rendering or failure to render pro- with work for a municipality; fessional services, including those listed in Paragraph (1) above and supervisory, in- e. An elevator maintenance agreement; spection, architectural or engineering activi- f. That part of any other contract or agreement ties. pertaining to your business (including an in- demnification of a municipality in connection with work performed for a municipality) under which you assume the tort liability of another party to pay for "bodily injury" or"property dam- age" to a third person or organization. Tort li- ability means a liability that would be imposed by law in the absence of any contract or agreement. CG 24 17 10 01 ©ISO Properties, Inc., 2000 Page 1 of 1 ❑ POLICY:AW2D78128704 I ZD2D78128003 I UH2D78128103 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NOTICE OF CANCELLATION to designated ENTITY(S) (Including Nonpayment of Premium) This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART HANOVER COMMERCIAL FOLLOW FORM EXCESS AND UMBRELLA POLICY COMMERCIAL PROPERTY COVERAGE PART BUSINESS AUTO COVERAGE FORM BUSINESSOWNERS COVERAGE FORM SCHEDULE Name of Designated Entity Mailing Address or Email Address Number Days Notice Any Person or Organization to The Address for that person or organization 30 Whom you have agreed in a written included contract in such written request from you to us. (See form 221-0163) (Information required to complete this Schedule, if not shown above, will be shown in the Declarations.) If we cancel this policy for any reason, including more than the number of days in advance of the nonpayment of premium, we will give written notice of effective date of cancellation that we are required to such cancellation to the Designated Entity(s) shown in provide to the Named Insured for such cancellation. If the Schedule. Such notice may be delivered or sent by the reason for cancellation is nonpayment of premium, any means of our choosing. The notice to the however,we will provide ten days notice. Designated Entity(s) will state the effective date of Such notice of cancellation is solely for the purpose of cancellation. informing the Designated Entity(s) of the effective date Unless otherwise noted in the Schedule above, such of cancellation and does not grant, alter, or extend any notice will be provided to the Designated Entity(s) no rights or obligations under this policy. ALL OTHER TERMS AND CONDITIONS OF THIS POLICY REMAIN UNCHANGED. 401-1236 12 14 Includes copyrighted material of Insurance Services Office,Inc.,with its permission Page 1 of 1 POLICY:AW2D78128704 I ZD2D78128003 I UH2D78128103 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ THIS CAREFULLY. It is agreed that the following complete wording for from 401-1236: Any person or Organization to Whom you have agreed in a written contract that notice of cancellation or non-renewal of this policy will be given, but only if: 1. You send us a written request to provide such notice, including the Name and Address of such person or organization, after the First Named Insured receives notice from us of Cancellation or Non-Renewal of this policy; and 2. We receive such written request at least 14 days before the beginning of the applicable number of days shown in this schedule. Nothing herein contained shall be held to vary, alter,waive or extend any of the terms,conditions,agreements or limitations of the policy other than as above stated. (Completion of the following, including countersignature, is required to make this endorsement effective only when it is issued subsequent to preparation of the Policy.) Issued to Kittelson &Associates Inc. By Massachusetts Bay Insurance Company Countersigned by Authorized Representative of the Company 221-0163 (4-90) POLICY: DPR9987381 PROFESSIONAL, ENVIRONMENTAL AND NETWORK SECURITY LIABILITY POLICY— � ARCHITECTS, CONSULTANTS AND ENGINEERS THIS IS A"CLAIMS-MADE AND REPORTED" POLICY.THIS POLICY REQUIRES THAT A CLAIM BE MADE AGAINST THE INSURED DURING A POLICY YEAR AND REPORTED TO THE COMPANY, IN WRITING, DURING THAT POLICY YEAR OR AUTOMATIC EXTENDED REPORTING PERIOD. CERTAIN STATES MANDATE SPECIFIC WARNINGS, EXCEPTIONS OR CONDITIONS MODIFYING THE TERMS AND CONDITIONS OF THIS POLICY. PLEASE READ THIS POLICY CAREFULLY, INCLUDING THE DECLARATIONS AND ALL ENDORSEMENTS. THIS POLICY CONTAINS PROVISIONS THAT LIMIT THE AMOUNT OF CLAIM EXPENSES THE COMPANY IS RESPONSIBLE TO PAY IN CONNECTION WITH CLAIMS. CLAIM EXPENSES SHALL BE SUBJECT TO ANY APPLICABLE DEDUCTIBLE AMOUNT. THE PAYMENT OF CLAIM EXPENSES WILL REDUCE THE LIMITS OF LIABILITY STATED IN ITEM 3. 'OF THE DECLARATIONS. In consideration of the payment of the Policy Premium stated in Item 5. of the Declarations, and in reliance upon the statements contained in the Application and any other supplemental materials and information submitted to the Company with respect to this Policy, and subject to all the terms and conditions of this Policy, the Company agrees with the NAMED INSURED as follows: I. INSURING AGREEMENTS A. Professional Liability The Company agrees to pay on behalf of the INSURED all sums in excess of the Deductible, subject to the Policy Limits of Liability, that the INSURED becomes legally obligated to pay as DAMAGES and/or CLAIM EXPENSES as a result of any CLAIM(S) first made against the INSURED during a POLICY YEAR and first reported to the Company, in writing, during that POLICY YEAR or within sixty(60)days after the end of that POLICY YEAR,provided that: 1. The CLAIM(S)arises out of a WRONGFUL ACT; 2. Such WRONGFUL ACT was committed or alleged to have been committed on or after the applicable Retroactive Date(s)stated in Item 6. of the Declarations; and 3. Prior to the ANNIVERSARY DATE stated in Item 7. of the Declarations, none of the INSURED'S directors, officers, principals, partners or insurance managers knew or should have known that such WRONGFUL ACT might give rise to a CLAIM(S). B. Contractors Pollution Legal Liability The Company agrees to pay on behalf of the INSURED all sums in excess of the Deductible, subject to the Policy Limits of Liability, that the INSURED becomes legally obligated to pay as DAMAGES and/or CLAIM EXPENSES as a result of any CLAIM(S) first made against the INSURED during a POLICY YEAR and first reported to the Company, in writing, during that POLICY YEAR or within sixty(60)days after the end of that POLICY YEAR,provided that: 1. The CLAIM(S) is for POLLUTION CONDITIONS arising out of the performance of CONTRACTING SERVICES rendered by or on behalf of the INSURED; 2. The CONTRACTING SERVICES out of which the POLLUTION CONDITIONS arise were performed on or after to the applicable Retroactive Date(s) stated. in Item 6. of the Declarations; and LDD 050 1116 Page 1 of 16 12/12/2019 6:16:40 PM ©2016 X.L.America, Inc. All Rights Reserved. May not be copied without permission. 2. The specific nature and extent of the injury or damage that has been sustained; and 3. How the INSURED first became aware of such CIRCUMSTANCE(S), then any CLAIM(S) that may subsequently be made against the INSURED arising out of such reported CIRCUMSTANCE(S)shall be deemed to have been made on the date first written notice of the CIRCUMSTANCE(S) was received by the Company. This right conferred upon the INSURED in this Paragraph shall terminate at the end of the POLICY PERIOD and shall not exist during the Automatic Extended Reporting Period or Optional Extended Reporting Period. XI. OTHER CONDITIONS A. Cancellation This Policy may be canceled by the NAMED INSURED by surrender thereof to the Company or any of its authorized agents or by mailing to the Company written notice stating when thereafter the cancellation shall be effective.This Policy may be canceled by the Company by mailing to the NAMED INSURED, at the address stated in Item 1. of the Declarations, written notice stating when, not less than thirty (30) days thereafter (or ten (10) days thereafter for non-payment of premium), such cancellation shall be effective. The mailing of notice as aforesaid shall be sufficient proof of notice. The time of surrender or the effective date and hour of cancellation stated in the notice shall become the end of the POLICY PERIOD. Delivery of such written notice either by the NAMED INSURED or by the Company shall be equivalent to mailing. If this Policy is canceled, earned premium shall be computed in accordance with the Company's guidelines with respect to cancellation. Premium adjustment may be made either at the time cancellation is effected or as soon as practicable after cancellation becomes effective, but payment or tender of unearned premium is not a condition of cancellation. B. Action Against The Company No action may be brought against the Company unless, as a condition precedent thereto, there shall have been full compliance with all of the terms of this Policy, nor until the amount of the INSURED'S obligation to pay shall have been finally determined either by judgment against the INSURED in a contested proceeding after final judgment has been rendered and any appeal decided, or by written agreement of the INSURED, the claimant and the Company. No person or organization shall have any right under this Policy to join the Company as a party to any action against the INSURED to determine the INSURED'S liability, nor shall the INSURED or the INSURED'S legal representative join the Company in such action. Bankruptcy or insolvency of the INSURED or the INSURED'S estate shall not relieve the Company of any of its obligations hereunder. C. Assignment This Policy may not be assigned or transferred without written consent of the Company. D. Subrogation In the event of any payment under this Policy, the Company shall be subrogated to all the INSURED'S rights of recovery therefor against any person or organization, and the INSURED shall execute and deliver instruments and papers and do whatever else is necessary to secure such rights.The INSURED shall do nothing after a CLAIM(S)to prejudice such rights. However, it is agreed that the Company waives its rights of subrogation under this Policy against clients of the INSURED as respects any CLAIM(S) arising from PROFESSIONAL SERVICES, or CONTRACTING SERVICES under the client's contract requiring waiver of subrogation, but only to the extent required by written contract. LDD 050 1116 Page 15 of 16 12/12/2019 6:16:40 PM ©2016 X.L.America, Inc. All Rights Reserved. May not be copied without permission. This endorsement, effective 12:01 a.m., 01/01/22 forms a part of Policy No.DPR9987381 Issued to Kittelson&Associates, Inc. by XL Specialty Insurance Company. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. POLICY CANCELLATION—NOTICE TO DESIGNATED ENTITIES This endorsement modifies insurance provided under the following: PROFESSIONAL, ENVIRONMENTAL AND NETWORK SECURITY LIABILITY POLICY—ARCHITECTS, CONSULTANTS AND ENGINEERS Section XI. OTHER CONDITIONS, Paragraph A. Cancellation is amended by the addition of the following: In the event that the Company cancels this Policy for any statutorily permitted reason other than non- payment of premium,the Company agrees to provide thirty(30)days' notice of cancellation of this Policy to any entity with whom the NAMED INSURED agreed in a written contract or agreement would be provided with notice of cancellation of this Policy, provided that: 1. The Company receives, at least fifteen (15) days prior to the date of cancellation, a written request from the NAMED INSURED to provide notice of cancellation to entities designated by the NAMED INSURED to receive such notice and; 2. The written request includes the name and address of each person or entity designated by the NAMED INSURED to receive such notice. This endorsement does not apply to non-renewal of the Policy,cancellation at the INSURED'S request, or to cancellation of the Policy for non-payment of premium to the Company or to a premium finance company authorized to cancel the Policy. Furthermore, nothing contained in this endorsement shall be construed to provide any rights under the Policy to the entities receiving notice of cancellation pursuant to this endorsement, nor shall this endorsement amend or alter the effective date of cancellation stated in the cancellation notice issued to the NAMED INSURED. All other terms and conditions of the Policy remain unchanged. LDD 452 1116 Page 1 of 1 12/12/2019 6:16:40 PM ©2016 X.L.America, Inc. All Rights Reserved. May not be copied without permission. WORKERS' COMPENSATION AND EMPLOYERS' LIABILITY INSURANCE POLICY WC 00 03 13 WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT This endorsement changes the policy to which it is attached effective on the inception date of the policy unless a different date is indicated below. (The following"attaching clause"need be completed only when this endorsement is issued subsequent to preparation of the policy.) This endorsement, effective on 01/01/2022 standard time,forms a part of Policy No. WM2D78128903 of the Allmerica Financial Benefit Insurance Company (NAME OF INSURANCE COMPANY) issued to Kittelson &Associates, Inc. Authorized Representative We have the right to recover our payments from anyone liable for an injury covered by this policy. We will not enforce our right against the person or organization named in the Schedule.This agreement applies only to the extent that you perform work under a written contract that requires you to obtain this agreement from us.'F This agreement shall not operate directly or indirectly to benefit anyone not named in the Schedule. Schedule AK,AZ,DC,FL,ID,IL,MD,MA,MO,NY,NC,OR,PA,VA THIS ENDORSEMENT APPLIES AS A BLANKET WAIVER OF SUBROGATION FOR THOSE PARTIES HAVING A WRITTEN CONTRACT WITH THE POLICYHOLDER REQUIRING A WAIVER OF SUBROGATION FOR WORKERS COMPENSATION COVERAGE OF THE POLICYHOLDERS EMPLOYEES. WC 00 03 13 Copyright 1983 National Council on Compensation Insurance Page 1 of 1 • WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT—CALIFORNIA We have the right to recover our payments from anyone liable for an injury covered by this policy.We will not enforce our right against the person or organization named in the Schedule. (This agreement applies only to the extent that you perform work under a written contract that requires you to obtain this agreement from us.) You must maintain payroll records accurately segregating the remuneration of your employees while engaged in the work described in the Schedule. The additional premium for this endorsement shall be 2%of the California workers'compensation premium otherwise due on such remuneration. Schedule Person or Organization Job Description APPLIES AS BLANKET WAIVER FOR THOSE HAVING A WRITTEN CONTRACT WITH THE POLICY- HOLDER REQUIRING WOS FOR WC POLICYHOLDER EMPLOYEES. This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated. (The information below is required only when this endorsement is issued subsequent to preparation of the policy.) Endorsement Effective 01/01/2022 Policy No. WM2D78128903 Insured KITTELSON &ASSOCIATES, Insurance Company ALLMERICA FINANCIAL ASSOCIATES, iNC. INC. Countersigned By �� �,• 9 fr � WC 04 03 06(Ed 04-84) WORKERS' COMPENSATION AND EMPLOYERS' LIABILITY INSURANCE POLICY WC 00 01 06 A(Ed.4-92) LONGSHORE AND HARBOR WORKERS' COMPENSATION ACT COVERAGE ENDORSEMENT This endorsement changes the policy to which it is attached effective on the inception date of the policy unless a different date is indicated below. (The following"attaching clause"need be completed only when this endorsement is issued subsequent to preparation of the policy.) This endorsement, effective on 01/01/2022 at 12:01 A.M. standard time,forms a part of (Date) Policy No. WM2D78128903 of the Allmerica Financial Benefits Insurance Company (NAME OF INSURANCE COMPANY) issued to Kittelson &Associates, Inc. q(0-1/1---07Qrs— Authorized Representative This endorsement applies only to work subject to the Longshore and Harbor Workers' Compensation Act in a state shown in the Schedule.The policy applies to that work as though that state were listed in Item 3.A. of the Information Page. General Section C.Workers' Compensation Law is replaced by the following: C. Workers'Compensation Law Workers' Compensation Law means the workers'or workmen's compensation law and occupational disease law of each state or territory named in Item 3.A. of the Information Page and the Longshore and Harbor Workers' Compensation Act(33 USC Sections 901-950). It includes any amendments to those laws that are in effect during the policy period. It does not include any other federal worker's or workmen's compensation law, other federal occupational disease law or the provisions of any law that provide nonoccupational disability benefits. Part Two (Employers' Liability Insurance), C. Exclusions.,exclusion 8., does not apply to work subject to the Longshore and Harbor Workers' Compensation Act. This endorsement does not apply to work subject to the Defense Base Act, the Outer Continental Shelf Lands Act, or the Nonappropriated Fund Instrumentalities Act. Schedule Longshore and Harbor Workers' State Compensation Act Coverage Percentage NY 78.8% VA 73.0% The rates for classifications with code numbers not followed by the letter"F"are rates for work not ordinarily subject to the Longshore and Harbor Workers' Compensation Act. If this policy covers work under such classifications, and if the work is subject to the Longshore and Harbor Workers'Compensation Act, those non-F classification rates will be increased by the Longshore and Harbor Workers' Compensation Act Coverage Percentage shown in the Schedule. WC 419(4-92) WC 00 01 06 A(Ed.4-92) Copyright 1983, 1991 National Council on Compensation Insurance. Page 1 of 1 TEXAS WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT This endorsement applies only to the insurance provided by the policy because Texas is shown in Item 3.A. of the Information Page. We have the right to recover our payments from anyone liable for an injury covered by this policy.We will not enforce our right against the person or organization named in the Schedule, but this waiver applies only with respect to bodily injury arising out of the operations described in the Schedule where you are required by a written contract to obtain this waiver from us. This endorsement shall not operate directly or indirectly to benefit anyone not named in the Schedule. The premium for this endorsement is shown in the Schedule. Schedule 1. ❑ Specific Waiver Name of person or organization Blanket Waiver Any person or organization for whom the Named Insured has agreed by written contract to furnish this waiver. 2. Operations:ALL TEXAS OPERATIONS 3. Premium: The premium charge for this endorsement shall be 2 percent of the premium developed on payroll in connection with work performed for the above person(s)or organization(s)arising out of the operations described. 4. Advance Premium: This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated. (The information below is required only when this endorsement is issued subsequent to preparation of the policy.) Endorsement Effective 01/01/2022 Policy No WM2D78128903 Insured Klttelson &Associates Inc. � Allmerica Financial Benefit Insurance Company ,r� I' . Insurance Company Countersigned by l Page 1 of 1 WC 42 03 04 B(Ed.6-14)©Copyright 2014 National Council on Compensation Insurance,Inc.All Rights Reserved. 1 W M2 D78128903 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. WORKERS' COMPENSATION BROAD FORM ENDORSEMENT This endorsement modifies insurance provided under the following: WORKERS' COMPENSATION AND EMPLOYERS' LIABILITY INSURANCE POLICY With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by the endorsement. SECTION I: WORKERS' COMPENSATION AND If we adopt a change in this form that would EMPLOYERS' LIABILITY CHANGES broaden the coverage of this form without extra A. Part One — WORKERS' COMPENSATION charge, the broader coverage will apply to this INSURANCE, D. We Will Also Pay; and Part policy when the change becomes effective in your Two—EMPLOYERS' LIABILITY INSURANCE, E. state. We Will Also Pay is replaced by the following: SECTION II: VOLUNTARY COMPENSATION AND We Will Also Pay EMPLOYERS' LIABILITY COVERAGE We will also pay these costs, in addition to other A. How This Insurance Applies amounts payable under this insurance, as part of This insurance applies to bodily injury by accident any claim, proceeding, or suit we defend: or bodily injury by disease. Bodily injury includes 1. Reasonable expenses incurred at our request, resulting death: including loss of earnings; 1. The bodily injury must be sustained by an 2. Premiums for bonds to release attachments employee included in the group of employees and for appeal bonds in bond amounts up to described in the Schedule; the limit of our liability under this insurance; 2. The bodily injury must arise out of and in the 3. Litigation costs taxed against you; course of employment necessary or incidental to work in a state listed in the Schedule; 4. Interest on a judgment as required by law until we offer the amount due under this insurance; 3. The bodily injury must occur in the United and States of America, its territories or possessions, or Canada, and may occur 5. Expenses we incur. elsewhere if the employee is a United States B. Part Three — OTHER STATES INSURANCE, A. or Canadian citizen temporarily away from How This Insurance Applies, paragraph 4. is those places; replaced by the following: 4. Bodily injury by accident must occur during the 4. If you have work on the effective date of this policy period; or policy in any state not listed in Item 3.A. of the 5. Bodily injury by disease must be caused or Information Page, coverage will not be aggravated by the conditions of the afforded for that state unless we are notified employee's employment. The employee's last within sixty days. day of last exposure to the conditions causing C. Part Six — CONDITIONS, C. Transfer of Your or aggravating such bodily injury by disease Rights and Duties is replaced by the following: must occur during the policy period. C. Transfer of Your Rights and Duties B. We Will Pay Your rights or duties under this policy may not 1. We will pay an amount equal to the benefits be transferred without our written consent. If that would be required of you if you and your you die and we receive notice within sixty employees described in the Schedule were days after your death, we will cover your legal subject to the workers' compensation law representative as insured. shown in the Schedule. We will pay those D. The following is added to Part Six — amounts to the persons who would be entitled CONDITIONS, F. Liberalization: to them under the law. WC990301 B 03 16 Page of Includes copyrighted material of National Council on Compensation Insurance,Inc.with its permission. Copyright,NCCI Holdings,Inc. 2. We will pay the additional expenses of 4. The following additional Exclusions are added repatriating an employee to the United States to Part Two — EMPLOYERS' LIABILITY, of America as a result of bodily injury to the Section C. Exclusions: employee. This insurance does not cover: C. Exclusions a. Bodily injury intentionally caused or This insurance does not cover: aggravated by you or, in Ohio, bodily 1. Any obligation imposed by a workers' injury resulting from an act which is compensation or occupational disease law, or determined to have been committed by any similar law; or you with the belief that the injury is substantially certain to occur; 2. Bodily injury intentionally caused or aggravated by you. b. Bodily injury sustained by any member of the flying crew of any aircraft; or D. Before We Pay c. Any claim for bodily injury with respect to Before we pay benefits to the persons entitled to which you are deprived of common law them, they must: defenses or are subject to penalty 1. Release you and us, in writing, of all because of your failure to secure your responsibility for the injury or death; obligations under the workers' 2. Transfer to us their right to recover from others compensation law or laws of a state who may be responsible for the injury or shown in Paragraph A. death; and H. Coverage provided under SECTION II of this 3. Cooperate with us and do everything endorsement does not apply in New Jersey or necessary to enable us to enforce the right to Wisconsin. recover from others. SECTION III—ADDITIONAL CONDITION If the persons entitled to the benefits of this Unintentional Failure to Disclose Hazards insurance fail to do those things, our duty to pay If you unintentionally fail to disclose all existing ends at once. If they claim damages from you or hazards at the inception date of your policy, we will not from us for the injury or death, our duty to pay deny coverage under this policy because of such ends at once. failure. E. Recovery From Others SECTION IV—COVERAGE TERRITORY If we make a recovery from others,we will keep an Schedule of Covered States amount equal to our expenses of recovery and the benefits we paid. We will pay the balance to the A. This endorsement applies only in those states persons entitled to it. If the persons entitled to the listed in item 3.A. of the Information Page on the benefits of this insurance make a recovery from effective date of the applicable state approval. others, they must reimburse us for the benefits we paid them. F. Employers' Liability Insurance Part Two — EMPLOYERS' LIABILITY INSURANCE applies to bodily injury covered by this endorsement as though the State of Employment shown in the Schedule were shown in Item 3.A. of the Information Page. G. EMPLOYERS!♦ '_ LIABILITY , . `STOP ;.t -GAP (COVERAGE 1. This coverage applies only in North Dakota, Ohio,Washington, and Wyoming. 2. Part One — WORKERS' COMPENSATION INSURANCE does not apply to work in states shown in Paragraph 1.above. 3. Part Two — EMPLOYERS' LIABILITY INSURANCE applies in the states shown in Paragraph 1. as though they were shown in Item 3.A. of the Information Page. WC 99 03 01 B 03 16 Page 2 of 2 Includes copyrighted material of National Council on Compensation Insurance,Inc.with its permission. Copyright,NCCI Holdings,Inc. USI INSURANCE SERVICES CERTIFICATE RETURN MAIL PROCESSING PO BOX 629035 EL DORADO HILLS CA 95762-9035 EEEEEE CITY OF ASHLAND 20 E MAIN ST ASHLAND OR 97520-1814