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HomeMy WebLinkAboutInsurance Certificate: Tristar Insurance Group Inc (2) ARD® CERTIFICATE OF LIABILITY INSURANCE °ATE`MM,°°"YYY) 2/2/2023 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 rights to the certificate holder In lieu of such endorsement(s). • - PRODUCER - - -- CONTACT - -- _ - NAME: Cert Requests Arthur J.Gallagher Risk Management Services, LLC PHONE FAX 500 N. Brand Boulevard (A/C.No,E:xO: (A/C,No): Suite 100 ADDRESS: certrequests@ajg.com " Glendale CA 91203 INSURER(S)AFFORDING COVERAGE NAIC a INSURER A:Zurich American Insurance Company 16535 INSURED TRISINS-03 INSURER B:Great American E&S Insurance Company 37532 TRISTAR Insurance Group, Inc. 100 Oceangate Avenue,Suite 700 INSURER c:XL Specialty Insurance Company 37885 Long Beach, CA 90802 INSURER D:Endurance American Specialty Ins Co 41718 INSURER E:American Guarantee and Liability Ins Co 26247 INSURER F:American Zurich Insurance Company - 40142 . COVERAGES CERTIFICATE NUMBER:2099202628 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. ILTR TYPE OF INSURANCE INSD SUBR POLICY NUMBER POLICY EFF POLICY EXP LIMITS (MM/DD/YYYY) (MM/DD/YYYY) F X COMMERCIAL GENERAL LIABILITY Y CP0554360210 1/1/2023 1/1/2024 EACH OCCURRENCE $1,000,000 , DAMAGE TO RENTED CLAIMS-MADE X OCCUR PREMISES Ea occurrence) $1,000,000 _ MED EXP(Any one person) $10,000 _ PERSONAL&ADV INJURY $1,000,000 _ GE 'L AGGREGATE LIMIT APPLIES PER: - GENERAL AGGREGATE $2,000,000 POLICY PRO X ,LOC PRODUCTS-COMP/OPAGG $2,000,000 JECT _ - OTHER: $ A AUTOMOBILE LIABILITY Y CP0554360210 1/1/2023 1/1/2024 COMBINED SINGLE LIMIT $1,000,000 (Ea aTSIdent)_ X ANY AUTO - ' BODILY INJURY(Per person) $ OWNED SCHEDULED BODILY INJURY(Per accident) $ AUTOS ONLY AUTOS _ X Al UREDTOS ONLY X NOAUTN-OWNEONLY D PROPERTY DAMAGE (Per accident) $ A _ OS Comp.&Coll Ded. $1,000. E X UMBRELLA LIAB X OCCUR L AUC554347909 1/1/2023 1/1/2024 EACH OCCURRENCE _ $10,000,000 EXCESS LIAB CLAIMS-MADE AGGREGATE $10,000,000 DEO RETENTION$ $ WORKERS COMPENSATION • PER OTH- AND EMPLOYERS'LIABILITYY/N STATUTE ER ANYPROPRIETOR/PARTNER/EXECUTIVE N/A• E.L.EACH ACCIDENT $ OFFICEI�/MEMBER EXCLUDED? (Mandatory in NH) E.L DISEASE-EA EMPLOYEE $ If yes,describe under , DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT $ C Crime/Fidelity ELU188147-23 1/31/2023 1/31/2024 , Aggregate 10,000,000 B Errors&Omissions TER 4495228 1/31/2023 1/31/2024 Aggregate 10,000,000 O Cyber • PRV30003483202 •1/31/2023 ' 1/31/2024 Aggregate 5,000,000 DESCRIPTION OF OPERATIONS/LOCATIONS/VEHICLES(ACORD 101,Additional Remarks Schedule,may be attached If more spice is required). City of Ashland is named additional insured under General Liability and Automobile Liability as respects their interest in the operations of the Named Insured. CERTIFICATE HOLDER CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN City of Ashland • ACCORDANCE WITH THE POLICY.PROVISIONS. 90 N. Mountain Ave. Ashland OR 97520 AUTHORIZED REPRESENTATIVE USA ' I P0014/11)/V/7 . ©1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25(2016/03) The ACORD"name and logo are registered marks of ACORD Arthur J. Gallagher Risk Management Services, LLC 500 N Brand Boulevard, Suite 100 Glendale CA 91203 MDG2023 00004311 03 1iiyiuiuIi1u11I11111111ii"1iu111uIiimillili11yulllulylulii '..:,.1: City of Ashland 90 N. Mountain Ave. Ashland, OR 97520' We-are"providing-you with a-Certificate of.Insurance confirming our client's coverage. Want to get certificates of insurance faster'? "Go Green with Gallagher" by receiving digital copies of certificates via e-mail in the future. Or, do you no longer require a certificate of insurance for our client? Please contact us at 001.UpdateMyEmail@AJd.com and provide the followinginformation for processing - 1. Confirmation that a certificate of insurance is no longer required; or 2. E-mail address to send future certificates of insurance in lieu of U.S. Mail delivery 3. Insured Code: 'TRISINS-03 4. This Certificate Number: 2099202628 To learn more about the Insurance and Risk Management.Services offered by Gallagher, please visit us at.www.ajg.corn/us/about-us/how-we-work/core-360. `.. Gallagher does not share your 6-:mail as.detailed "in.our privacy.policy found:at httpS:// www:ajgcom/us/privacy-policy/.- - 0 Coverage Extension Endorsement ZURICH® Policy No. Eff.Date of Pol. Exp.Date of Pol. Eff.Date of End. Producer No. Add!Prem. Return Prem. CPO 5543602-10 01/01/2023 01/01/2024 18183000 INCL THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. •••• This endorsement modifies insurance provided under the: Business Auto Coverage Form ' Motor Carrier Coverage Form A. Amended Who Is An Insured 1. The following is added to the Who Is An Insured Provision in Section II—Covered Autos Liability Coverage: The following are also"insureds": a. Any "employee" of yours is an "insured" while using a covered 'auto" you don't own, hire or borrow for acts performed within the scope of employment by you. Any "employee Of,yours is also an "insured" while operating an ''auto hired or rented tincler.,a contract or agreement in an "employees name, with your permission,while performing duties related to the conduct of your business. b. Anyone volunteering services to you is an "insured" while using'a covered "auto you don't own, hire or borrow to transport your clients or other persons in activities necessary to your business. c. Anyone else who furnishes an"auto" referenced in Paragraphs A.1 A.and A.1.b.in this endorsement. d. Where and to the extent permitted by law,any person(s) or organization(s)where required by written contract or written agreement with you executed prior to any"accident", including those person(s) or organization(s) directing your work pursuant to such written contract or written agreement with you, provided the"accident" arises out of operations governed by such contract or agreement and only up to the limits required in the written contract or written agreement,or the Limits of Insurance shown in the Declarations,whichever is less. 2. The following is added to the Other Insurance Condition in the Business Auto Coverage Form and the Other, Insurance—Primary and Excess Insurance Provisions Condition in the Motor Carrier Coverage Form: Coverage for any person(s) or organization(s),where required by written contract or written agreement with you executed prior to any"accident",will apply on a primary and non-contributory bsis and any insurance maintained by the additional"insured"will apply on an excess basis. However, in no event will this coverage extend beyond the terms and conditions of the Coverage Form. 1. B. Amendment—Supplementary Payments Paragraphs a.(2) and a.(4) of the Coverage Extensions Provision in Section II — Covered-Autos Liability Coverage are replaced by the following: (2) Up to$5,000 for the cost of bail bonds (including bonds for related traffic law violations) required because of an "accident"we cover. We do not have to furnish these bonds. (4) All reasonable expenses incurred by the "insured" at our request, including actual loss of earnings up to$500 a day because of time off from work. 11-CA-424-F CW(04/14) Includes copyrighted material of Insurance Services Office,Inc.,with its permission. Page 1 of 6 C. Fellow Employee Coverage The Fellow Employee Exclusion contained in Section II—Covered Autos Liability Coverage does not apply. D. Driver Safety Program Liability.and Physical Damage Coverage 1. The following is added to the Racing Exclusion in Section.Il—Covered Autos Liability Coverage: This exclusion does not apply to covered "autos"participating in a driver safety programevent, such as, but not limited to, auto or truck rodeos and other auto or truck agility demonstrations.- 2: The following is added to Paragraph 2. in the Exclusions of Section III-Physical Damage Coverage of the Business Auto Coverage Form and Paragraph 2.b. in the Exclusions, of.Section IV — Physical Damage Coverage of the Motor Carrier Coverage Form: This exclusion does not apply to covered "autos"participating in a driver safety program event, such as, but not limited to, auto or truck rodeos and other auto or truck agility demonstrations. 0 E. Lease or Loan Gap Coverage The following is added to the Coverage Provision of the Physical Damage Coverage Section: Lease Or Loan Gap Coverage In the event of'a total "loss" to a covered "auto", we will pay any unpaid amount due on the lease or loan for a' covered"auto", less: a. Any amount paid under the Physical Damage Coverage Section of the Coverage:Form;.and b. Any: (1) Overdue lease or loan payments at the time of the"loss"; (2) Financial penalties imposed under a lease for excessive use,abnormal wear and tear or high mileage; (3) Security deposits not returned by the lessor; (4) Costs for extended warranties, credit life insurance, health, accident or disability insurance purchased with the loan or lease;and (5) Carry-over balances from previous leases or loans.' F. Towing and Labor Paragraph A.2.of the Physical Damage Coverage Section is replaced by the following: We will pay up to$75 for towing and labor costs incurred each time a covered"auto" of the private passenger type is disabled However,the labor must be performed at the place of disablement. G. Extended Glass Coverage The following is added to Paragraph A3'.a.of the Physical Damage Coverage Section: If glass must be replaced,the deductible shown in the Declarations will apply. However,'if glass can be repaired and is actually repaired rather than replaced, the deductible will be waived. You have the option of having the glass repaired rather than replaced. H. Hired Auto Physical.Damage—Increased Loss of Use Expenses The Coverage Extension for Loss Of Use Expenses in the Physical Damage Coverage Section is replaced by the following: Loss Of Use Expenses For Hired Auto Physical Damage,we will pay expenses for which an"insured",becomes legally responsible to pay for loss of use of a vehicle rented or hired without a driver under a written rental contract or written rental agreement: We, will pay for loss of use expenses if caused by: U-CA-424-F'CW(04/14) Includes copyrighted material.of Insurance Services Office,Inc.,with its permission. Page 2 of 6 (1) Other than collision only if the Declarations indicate that Comprehensive'Coverage is provided for any covered. "auto"; (2) Specified Causes Of Loss only if the Declarations indicate that Specified Causes Of Loss Coverage is provided for any covered"auto";or (3) Collision only if the Declarations indicate that Collision Coverage is provided for any covered"auto". However,the most we will pay for any expenses for loss of use is$100 per day,to al maximum of$3000. I. Personal Effects Coverage The following is addedto the Coverage Provision of the Physical Damage Coverage Section: Personal Effects Coverage • a. We will pay up to$750 for"loss"to personal effects which are: (1) Personal property owned by an"insured";and (2) In or on a covered"auto". b. Subject to Paragraph a.above,the amount to be paid for"loss"to personaleffects will be based on the lesser of: (1) The reasonable cost to replace;or . (2) The actual cash value. c. The coverage provided in Paragraphs a. and b. above, only applies in the event of a total theft of a covered "auto". No deductible applies to this coverage. However, we will not pay for"loss" to personal effects of any of the following: (1) Accounts, bills, currency, deeds, evidence of debt, money, notes, securities, or commercial paper or other documents of value. (2) Bullion, gold, silver, platinum, or other precious alloys or metals; furs or fur garments; jewelry, watches, preciousor semi-precious stones. ' (3) Paintings,statuary and other works of art. . (4) Contraband or property in the course of illegal transportation or trade. (5) Tapes, records, discs or other similar devices used with audio,visual or data electronic equipment. Any coverage provided by this Provision is excess over any other insurance coverage available for the same"loss J. Tapes;Records and Discs Coverage 1. The Exclusion in Paragraph B.4.a. of.Section III -Physical Damage Coverage in the Business Auto Coverage Form and the Exclusion in Paragraph B.2.c. of Section IV—Physical Damage Coverage in the Motor Carrier. Coverage Form does not apply. 2. The following is added to Paragraph 1:a. Comprehensive Coverage under the Coverage Provision of the, Physical Damage Coverage Section: - We will pay for"loss" to tapes, records, discs or other similar devices used with audio, visual or data electronic equipment. We will pay only if the tapes, records,discs or other similar audio,visual or data electronic devices: (a) Are the propertyofan"insured";and S (b) Are in a covered"auto"at the time of"loss". The most we will pay for such "loss" to tapes, records, discs or other similar devices is $500. The Physical Damage Coverage Deductible Provision does not apply to such"loss". , U-CA-424-F CW(04/14) Includes copyrighted material of Insurance Services'Office,Inc.,with its permission. . Page 3 of 6. K. Airbag Coverage The Exclusion in Paragraph B.3.a.of Section III—Physical Damage Coverage in the Business Auto Coverage Form and the Exclusion in Paragraph B.4.a..of Section IV—Physical Damage Coverage in the Motor Carrier Coverage Form does not apply to the accidental discharge of an airbag. L. Two or More Deductibles The following is added to the Deductible Provision of the Physical Damage Coverage Section: If an accident is covered both by this policy or Coverage Form and by another policy or Coverage Form issued to you by us,the following applies for each covered"auto"on a per vehicle basis: 1. If the deductible on this policy or Coverage Form is the smaller(or smallest)deductible, it will be waived;or 2. If the deductible on this policy or Coverage Form is not the smaller(or smallest) deductible, it will be reduced by the amount of the smaller(or smallest)deductible. M. Physical Damage•-Comprehensive Coverage—Deductible The following is added to the Deductible Provision of the Physical Damage Coverage Section: Regardless of the number of covered"autos"damaged or stolen,the maximum deductible that will be applied to Comprehensive Coverage for all "loss"from any one cause is$5,000 or the deductible shown in the Declarations, whichever is greater. N. Temporary Substitute Autos—Physical Damage 1. The following is added to Section I—Covered Autos: Temporary Substitute Autos—Physical Damage If Physical Damage Coverage is provided by this Coverage Form on your owned covered "autos", the following types of vehicles are also covered"autos"for Physical Damage Coverage: Any "auto" you do not own when used with the permission of its owner as a temporary substitute for a covered "auto"you do own but is out of service because of its: 1. Breakdown; 2. Repair; 3. Servicing; 4. "Loss";or 5. Destruction. 2. The following is added to the Paragraph A.Coverage Provision of the Physical Damage Coverage Section: Temporary Substitute Autos—Physical Damage We will pay the owner for"loss"to the temporary substitute"auto"unless the"loss" results from fraudulent acts or omissions on your part. If we make any payment to the owner,we will obtain the owner's rights against any other party.. The deductible for the temporary substitute "auto" will be the same as the deductible for the covered "auto" it replaces. O. Amended Duties In The Event Of Accident,Claim,Suit Or Loss Paragraph a.of the Duties In The Event Of Accident,Claim,Suit Or Loss Condition is replaced by the following: a. In the event of"accident",claim, "suit"or"loss",you must give us or our authorized representative prompt notice of the "accident", claim, "suit" or"loss". However, these duties only apply when the "accident", claim, "suit" or "loss"is known to you(if you are an individual),a partner(if you area partnership),a member(if you are a limited liability company) or an executive officer or insurance manager (if you are a corporation). The failure of any U-CA-424-F CW(04/14) Includes copyrighted material of Insurance Services Office,Inc.,with its permission. Page 4 of 6 agent,servant or employee of the"insured"to notify us of any"accident",claim,:"suit"or"loss"shall not invalidate the insurance afforded by this policy. Include,as soon as practicable: (1) How, when and where the "accident or"loss" occurred and if a claim is made or "suit is brought, written notice of the claim or"suit"including,but not limited to,the date and detailsofsuch claim or"suit"; (2) The insured s' name and address;and (3) To the extent possible,the names and addresses of any injured persons and witnesses. If you report an "accident', claim, "suit" or loss to another insurer when you;should have reported to us, your failure to report to us will not be seen as a violation of these amended duties provided you give us notice as soon as practicable after the fact of the delay becomes known to you. P. Waiver of Transfer Of Rights Of Recovery Against Others To Us , The following is added to the Transfer Of Rights Of Recovery Against Others To Us Condition: This Condition does not apply to the extent required of you by a written contract,executed prior to any"accident" or "loss",provided that the"accident or loss arises out of operations contemplated by such contract. This waiver only • applies to the person or organization designated in the contract. Q. Employee Hired Autos—Physical Damage Paragraph b.of the Other Insurance Condition in the Business Auto Coverage Form and Paragraph f.of the Other Insurance—Primary and Excess Insurance Provisions Condition in the Motor Carrier Coverage Form are replaced by the following: For Hired Auto Physical Damage Coverage,the following are deemed to be covered"autos"you own: (1) Any covered"auto"you lease, hire, rent or borrow;and (2) Any covered'"auto"hired or rented under a written contract or written agreement entered into by an"employee"or elected or appointed official with your permissionwhile being operated within the course and 'Scope of that "employee's"employment by you or that elected or appointed official's duties as respect their obligations to you. However, any"auto"that is leased,hired, rented or borrowed with a driver is not a covered"auto". R. Unintentional Failure to Disclose Hazards The following is added to the Concealment,Misrepresentation Or Fraud Condition: However,we will not deny coverage under this Coverage Form if you unintentionally: (1) Fail to disclose any hazards existing at the inception date of this Coverage Form;or (2) Make an error,omission, improper description of"autos"or other misstatement of information. You must notify us as soon as possible after the discovery of any hazards or any other information that was not provided to us prior to the acceptance of this policy. S. Hired Auto—World Wide Coverage Paragraph 7a.(5)of the Policy Period,Coverage Territory Condition is replaced by the following: (5) Anywhere in the world if a covered"auto"is leased, hired, rented or borrowed for a period of 60 days or less, • T. Bodily Injury Redefined The definition of"bodily injury"in the Definitions Section is replaced by the following: "Bodily injury" means bodily injury, sickness or disease, sustained by a person including death or mental anguish, resulting from any of these at any time. Mental anguish means any type of mental or emotional illness or disease. U-CA-424-F CW(04/14) Includes copyrighted material of Insurance Services Office,Inc.,with its permission. Page 5 of 6 U. Expected Or Intended Injury The Expected Or Intended Injury Exclusion in Paragraph B.Exclusions under Section II-Covered Auto Liability Coverage is replaced by the following: Expected Or.Intended Injury "Bodily injury" or"property damage" expected or intended from the standpoint of the "insured". This exclusion does not apply to "bodily injury" or "property damage" resulting fromthe use of reasonable force to protect persons or property. V. Physical Damage-Additional Temporary Transportation Expense Coverage Paragraph A.4.a.of Section III-Physical Damage Coverage is replaced by the following: 4. Coverage Extensions a. Transportation Expenses We will pay up to$50 per day to a maximum of$1,000 for temporary transportation expense incurred by you because of the total theft of a covered "auto of the private passenger type. We will pay only for those covered "autos"for which you carry either Comprehensive or Specified Causes.of Loss Coverage. We will pay for temporary transportation expenses incurredduring the period beginning 48 hours after the theft and ending, regardless of the policy's expiration, when the covered "auto" is returned to use,or we pay for its "loss". W. Replacement of a Private Passenger Auto with a Hybrid or Alternative Fuel Source Auto The following is added to Paragraph A.Coverage of the Physical Damage Coverage Section: •, In the event of a total"loss"to a covered "auto" of the private passenger type that is replaced with a hybrid 'auto" or "auto" powered by an alternative fuel source of the private passenger type, we will pay an additional 10%of the cost of the replacement "auto", excluding tax, title, license, other fees and any aftermarket vehicle upgrades, up to a maximum of$2500. The covered"auto" must be replaced by a hybrid"auto"or an "auto powered by an alternative fuel source within 60 calendar days of the payment of the"loss"and evidenced by a billof sale ornew vehicle lease, agreement. To qualify as a hybrid "auto",the"auto"must be powered by a conventional gasoline engine and another source of propulsion power. The other source of propulsion power must be electric, hydrogen, propane, solar or natural gas; either compressed or liquefied. To qualify as an "auto" powered by an alternative fuel source, the "auto" must be powered by a source of propulsion power other than a conventional gasoline engine. An "auto" solely propelled by biofuel, gasoline or diesel fuel or any blend thereof is not an"auto"powered by an alternative fuel source. X. Return of Stolen Automobile The following is added to the Coverage Extension Provision of the Physical Damage Coverage Section:. If a covered"auto"is stolen and recovered, we will pay the cost of transport to return the"auto"to you. We will pay only for those covered"autos"for which you carry either Comprehensive or Specified Causes of Loss Coverage. All other terms,conditions, provisions and exclusions of this policy remain the same. U-CA-424-F CW(04'/14)' Includes copyrighted material of Insurance Services Office,Inc.,with its permission. Page 6 of 6 Financial Institutions Enhancement Endorsement ZURICH® THIS ENDORSEMENT CHANGES THE POLICY.PLEASE.READ IT,CAREFULLY. Policy No. CPO 5543602-10, Effective Date:` 01/01/2023. This endorsement modifies insuranceprovided under the: Commercial General Liability Coverage Part °"v A. Broadened Named Insured 1. The following is added to Section II-Who Is An Insured: Any organization of yours that is formed or constituted as of the effective date of this Coverage Part, including any joint venture, partnership, limited liability partnership or limited liability company,which is not shown in the Declarations,,will qualify as a Named'Insured so long as you: a. Maintain an ownership interest of more than.50%of such organization;. b. Directly or indirectly have the right to elect, appoint or designate a majority of the directors, managers or equivalent executives of such organization pursuant to a.written contract or pursuant to the bylaws, charter, operatingagreement.or similar document for such organization;or c. Are required by written contract or written agreement to provide insurance for such organization as a Named Insured. However,such organization will not qualify as a Named Insured under this provision if it: a. Is also'an insured under another policy, other than a policy written to apply'specifically in excessof this Coverage Part;or b. Would be an insured under another,policy but for its termination,or the exhaustion of its limits of insurance. 2. The last paragraph of Section Il -Who Is An Insured does not apply to'this'provision to the extent that such ' paragraph would conflict with this provision. ' B. Newly Acquired or Formed Organizations as Named Insureds 1. Paragraph 3.of Section II-Who Is An Insured is replaced by the following: 3. Any organization you newly acquire or form during the policy period will qualifyas a Named Insured if there is no other similar insurance available to that organization so long as you: a. Maintain an ownership interest of more than 50%of such organization; ` b. Directly or indirectly have the right to elect, appoint or designate a majority of the directors, managers or equivalent executives of such organization pursuant to a written contract or pursuant to the bylaws, charter,operating agreement or similar document for such organization;'or - c. Are required by written contract or written agreement to provide insurance for such organization. However: a. Coverage under this provision is afforded only until the end of the,policy period; b. Coverage A does not apply to'bodily injury" or:'property damage" that occurred before you acquired or formed the organization;and U-GL-2218-A CW(08/21) Includes copyrighted material of Insurance Services Office,Inc.,with its permission. Page 1 of 13. ' ' c. Coverage B does'not apply to "personal and advertising injuryarising out of an offense committed before you acquired or'formed'the organization. An additional premium will apply in accordance with our rules and rates in effect on the date you acquired or formed the organization. 2. The last paragraph of Section II Who Is An Insured does not apply to this provision to the extent that such paragraph would conflict with this•provision. C. Insured Status-Employees Paragraph 2.a.(1)of Section II-Who Is An Insured is replaced by the following: 2. Each of the following is also an insured: a. Your "volunteer workers" only while performing duties related to the conduct of your business, or your "employees", other than either your"executive officers" (if you are an organization other than a partnership, joint venture or limited liability company)or your managers(if you are a limited liabilitycompany),but only for acts within the scope of their employment by you or while performing duties related to the conduct of your business. However, none of these"employees"or"volunteer workers"are insureds for: (1) "Bodily injury"or"personal and advertising injury": (a) To you,to your partners or members (if you are a partnership or joint venture), to,your members (if you are a limited liability company),to a co-"employee"while in the course of his or her employment or performing duties related to the conduct of your business, or to your other"volunteer workers" while performing duties related to the conduct of your business; (b) To the spouse, child, parent, brother or sister of that co-"employee" or "volunteer worker" as a consequence of Paragraph(1)(a)above; (c) For which there is any obligation to share damages with or repay someone else who'must pay damages because of the injury described in Paragraphs(1)(a)or(b)above;or (d) Arising out of his or her providing or failing to provide professional health care services. However: Paragraphs (1)(a) and (1)(d) do not apply to "bodily injury" arising•outof his or her providing or failing to provide: (i) Medical or paramedical servicesto persons performed by any physician, dentist, nurse, emergency medical technician, paramedic or other licensed, medical care person employed by you to provide such services,or volunteering.for you to provide such services;or (ii) "Good Samaritan Acts" performed by any non-licensed medical care person employed by you or volunteering for you, So long as such "employee" or "volunteer worker" is performing duties related to the conduct of your business. "Good Samaritan Acts means any assistance of a medical nature rendered or provided in an emergency situation for which no remuneration is demanded or received. ' Paragraphs(1)(a), (b)and,(c)do not apply to any"employee" designated as a supervisor or higher in rank, with respect to "bodily injury" to co-"employees". As used in this provision,"employees" designated as a supervisor or higher in rank means only"employees"who are authorized by you to exercise direct or indirect supervision or control over"employees"or"volunteer workers"and the manner in which work is performed. D. Insured Status—Amateur Athletic Participants Section II—Who Is An Insured is amended to include as an insured any person you sponsor while participating in amateur athletic activities. However, no such person is an insured for: a. "Bodily injuryto: ' (1) Your"employee", "volunteer worker" or any person you sponsor while-participating in such amateur athletic activities;or (2) You, any partner or member (if you are a partnership or joint venture), or any member (if you are a limited liability company)while participating in such amateur athletic activities;or U-GL-2218-A CW(08/21) Includes copyrighted.material of Insurance Services Office,Inc.,with its permission. ' - Page 2 of 13 b. "Property damage" to property owned by, occupied or used by, rented to, in the care, custody or control°of, or over which the physical control is being exercised for any purpose by:. (1) Your"employee", "volunteer worker"or any person you sponsor;or (2) You, any partner or member(if you are a partnership or joint venture), or,any member(if you are a limited ' liability company). E. Additional Insureds—Lessees of Premises 1. Section II —Who Is An.Insured is amended to include as an additional insured any person or organization who leases or rents a part of the premises you own or manage who youare required to add as an additional insured on this policy under a written contract or written agreement,but only with respect to liability arising out of your, ownership maintenance or repair of that part of the premises which is not reserved forthe exclusive use or occupancy of such person or organization or any other tenant or lessee." • However,the insurance afforded to such additional insured: a. Only applies to the extent permitted by law;and b. Will not be broader than that which you are required by the written contract or written agreement to provide • for such additional insured; and. c. Ends when the person or organization ceases to lease or rent premises'from you. 2. With respect to the insurance afforded to the additional insuredsunder this endorsement,the following is added to Section III-Limits Of.Insurance: The most we will pay on behalf of the additional insured is the amount of insurance: a. Required by the written,contract or written agreement referenced in Subparagraph E.1 of this endorsement; or b. Available under the applicable Limits of Insurance shown in the Declarations, • whichever is less. This Paragraph E.shall not increase the applicable Limits of Insurance shown in the Declarations: F. Additional Insured—Vendors 1. The following change applies if this Coverage Part provides insurance to you for "bodily injury" and "property damage" included in the"products-completed operations hazard": • Section II — Who Is An Insured is amended to include as an additional insured any person or organization (referred to throughout this Paragraph F. as vendor) who you have agreed in a written contract or written • agreement, prior to loss, to name as an additional insured, but only with respect to"bodily injury" or "property damage" arising out of "your products" which are distributed or sold in the regular course of the vendor's business. . However,the insurance afforded to such vendor: • • a. Only applies to the extent permitted by law;and b. Will not be broader than that which you are required by the written contract or written agreement to provide • for such vendor. 2. With respect to the insurance afforded to these vendors,the following additional;exclusions apply: a. The insurance afforded.the"vendor does not apply to: (1) "Bodily injury"or"property damage"for which the vendor is obligated to pay-damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages that the vendor would have in the absence ofthe contract or agreement; (2) Any express warranty unauthorized by you; (3) Any physical or chemical change in the productmade intentionally bythe vendor; (4) Repackaging, except when unpacked solely for the purpose of inspection, demonstration, testing, or the substitution of parts under instructions from the manufacturer, and then repackaged in the original container; • U-GL-2218-A CW(08/21) Includes copyrighted material of Insurance Services Office,Inc.,with its permission. Page 3 of 13 i (5) Any failure to make such inspections,adjustments,tests or servicing as the vendor has agreed to make or normally undertakes to make in the usual course of business, in connection with the distribution or sale of the products; (6) Demonstration, installation, servicing or repair operations, except such operations performed at the vendor's premises in connection with the sale of the product; (7) Products which,after distribution or sale by you,have been labeledor relabeled or used as a container, part or ingredient of any other thing or substance by or for the vendor;or (8) "Bodily injury"or"property damage"arising out of the sole negligence of the vendor for its own acts or omissions or those of its employees or anyone else acting on its behalf. However,this exclusion does not apply to: (a) The exceptions contained in Subparagraphs(4)or(6);.or (b) Such inspections, adjustments, tests or servicing as the vendor has agreed to make or normally. undertakes to make in.the'usual course of business, in connection with the distribution or sale of the products. b. This insurance does not apply to any insured person or organization, from whom you have acquired such products,or any ingredient, part or container,entering into,accompanying orcontaining such products. c. This insurance does not apply toany of"your products"for which coverage is excluded under this Coverage Part. 3. With respect to the insurance afforded to the vendor under this Paragraph F.,the following is added to Section III —Limits Of Insurance: The most we will pay on behalf of the vendor is the amount of insurance: a. Required by the written contract or written agreement referenced in Subparagraph F.1. of this endorsement; or b. Available under the applicable Limits of Insurance shown in the Declarations, whichever is less. This Paragraph F.shall not increase the applicable Limits of Insurance shown in the Declarations. G. Additional Insured—Managers,Lessors or Governmental Entity . 1. Section II Who Is An Insured is amended to include as an additional insured any person or organization who is a manager,,lessor or governmental entity who you are required to add as an additional insured on this policy under a written contract,written agreement or permit, but only with respect to liability for"bodily injury";"property damage"or"personal and advertising injury"caused, in whole or in part, by: a. 'Your acts or omissions;or b. The acts or omissions of those acting on your behalf;and . resulting directly from: a. Operations performed by you or on your behalf for which the state or political subdivision has issued apermit; b. Ownership, maintenance, occupancy or use of premises by you;or c. Maintenance,operation or use by you of equipment leased to you by such,person or organization. However,the insurance afforded to such additional insured: a. Only applies to the extent permitted by law;and b. Will not be broader than that which you are required by the written contract or written agreement to provide for such additional insured. 2. This provision does not apply: a. Unless the written contract or written agreement has been executed, or the permit has been issued, prior to the"bodily injury", "property damage"or offense that caused"personal and advertising injury"; b. To any person or organization included as an insured under Paragraph 3.of Section II—Who Is An Insured; U-GL-2218-ACW(08/21) Includes copyrighted material of Insurance Services Office,Inc.,with Its permission. Page 4 of 13 c. To any lessor of equipment if the"occurrence"or offense takes place after the equipment lease expires; d. To any: (1) Owners or other interests from whom land has been leased by you;or (2) Managers or lessors of premises, if: (a) The"occurrence" or offense takes place after the expiration of the lease or you cease to be a tenant in that premises; (b) The"bodily injury", "property damage" or"personal and advertising injury"arises outof the structural alterations, new construction or demolition operations performed by or on behalf of the manager or lessor;or (c) The premises are excluded under this Coverage Part. 3. With respect to the insurance afforded to the additional insureds under this Paragraph G., the following is added to Section III Limits Of Insurance: The most we will pay on behalf of the additional insured is the amount of insurance: a. Required by the written contract or written agreement referenced in Subparagraph G.1. of this endorsement; or b. Available under the applicable Limits of Insurance shown in the Declarations, whichever is less. This Paragraph G.shallnot increase the applicable Limits of Insurance shown inithe Declarations. H. Additional Insured—Other Persons or Organizations 1. Section II—Who Is An Insured is amended to include as an insuredany person or organization who does not qualify as an additional insured under Paragraphs E.through Paragraph G. of this endorsement so long as you are required to`add such person or.organization as an additional insured on this policy under a written contract or written agreement, but only with respect to liability for "bodily injury", "property damage" or "personaland advertising injury"caused,in whole or in part,by: a. Your acts or omissions;or . b. The acts or omissions of those acting on your behalf. However,the insurance afforded to such additional insured: a. Only applies to-the extent permitted,by law;and b. Will not be broader than that which you are required by the written contract or written agreement to provide' for such additional insured. 2. With respect to the insurance afforded to the additional insureds under this Paragraph H.,the following additional exclusions'apply: The insurance afforded to the additional insured under this Paragraph.H. doesnot apply to any person, or organization: a. For"bodily injury","property damage"or"personal and advertising injury"arising out of the rendering or failure to render any professional service;. . b. For"bodily injury"or"property damage"included in the"products-completed operations hazard";or c. Who is scheduled as an additional insured under another endorsement attached to this policy. 3. With respect to the insurance afforded to the additional insureds under this Paragraph H., the following is added to Section III—Limits Of Insurance: The most we will pay on behalf of the additional insured is the amount of insurance: a. Required by the written contract or written agreement referenced in Subparagraph H.1.of this endorsement; or ra• U-GL-2218-A CW(08/21-) Includes copyrighted material of Insurance Services Office,Inc.,with its permission. .Page 5 of 13. b. Available under the applicable Limits of Insurance shown in.the Declarations, whichever is less. This Paragraph H.shall not increase the applicable Limits of Insurance shown in the Declarations. I. Damage to Premises Rented or Occupied by You 1. The last paragraph under Paragraph 2. Exclusions of Section I _Coverage A— Bodily Injury And Property Damage Liability is replaced by the following: Exclusions c. through n. do not apply to "property damage" to premises while rented to you or temporarily occupied by you with permission of the owner. A separate Damage To Premises Rented To You Limit of Insurance applies to this coverage as described in Section III-Limits Of Insurance. 2. Paragraph 6.of Section III=Limits Of Insurance is replaced by the following: 6. Subject to Paragraph 5.above,the Damage To Premises Rented To You Limit is the most we will pay under Coverage A for damages because of "property damage" to any one premises while rented to you or temporarily occupied by you with permission of the owner. J. Broadened Contractual Liability The"insured contract"definition under the Definitions Section is replaced by the following: "Insured contract" means: a. A contract for a lease of premises. However,that portion of the contract for a lease of premises that indemnifies any person or organization for"property damage"to premises while rented to you or temporarily occupied by you with permission of the owner is not an "insured contract"; b. A sidetrack agreement; c. Any easement or license agreement; d. An obligation, as required by ordinance, to indemnify a municipality, except in connection withwork for a municipality; e. An elevator maintenance agreement; f. That part of any other contract or agreement pertaining to your business (including an indemnification of a municipality in connection with work performed for a municipality) under which.you assume the tort liability of another party to pay for"bodily injury","property damage",or"personal and advertising injury"to a third person or organization. Tort liability means a liability that would be imposed by law in the absence of any contract or agreement. Paragraph f.does not include that part of any contract or agreement: (1) That indemnifies an architect, engineer or surveyor for injury or damage arising out of: (a) Preparing, approving, or failing to prepare or approve,maps, shop drawings, opinions, reports, surveys, field orders, change orders or drawings and specifications;or (b) Giving directions or instructions, or failing to give them, if that is the primary cause of the injury or damage;or (2) Under which the insured, if an architect, engineer or surveyor, assumes liability for an injury or damage arising out of the insured's rendering or failure to render professional services, including those listed in Paragraph(1)above and supervisory, inspection, architectural or engineering activities. K. Limited Contractual Liability Coverage—Personal and Advertising Injury 1. Exclusion e.of Section I—Coverage B—Personal And Advertising Injury Liability is replaced by the following: This insurance does not apply to: e. Contractual Liability "Personal and advertising injury" for which the insured is obligatedto pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages: U-GL-2218-A CW(08/21) Includes copyrighted material of Insurance Services Office,Inc.,with its permission.. Page 6 of 13 (1) That the insured would have in the absence of the contract or agreement;or (2) Assumed in a written contract or written, agreement that is an;"insured contract", provided the "personal and advertising injury"occurs subsequent to the execution of the written contract or written agreement. Solely for purposes of liability so assumed in such "insured contract", reasonable attorneysfees and necessary litigation expenses incurred by or for a party other than an insured are deemed to be damages because of"personal and advertising injury", provided: (a) Liability to such party for, or for the cost of, that party s defense has also been assumed in the same written contract or written agreement; and (b) Such attorneys' fees and litigation expenses are for defense of that party against a civil or alternative dispute resolution proceeding in which damages to which this insurance applies are , alleged. 2. Paragraph 2.d.of.Section I,—Supplementary Payments—Coverages A and.B is replaced by the following: vg d. The allegations in the"suit"and the information we know about the"occurrence" or offense are such that no conflict appears to exist between the interests of the insured and the interests of the indemnitee; 3. The following is added to the paragraph directly following Paragraph 2.f.; of Section I — Supplementary Payments—Coverages A and B: Notwithstanding the provisions of Paragraph 2.e.(2) of Section I—Coverage B Personal And Advertising Injury ' Liability, such payments will not be deemed to be damages for "personal and advertising injury" and will not reduce the limits of insurance. L. Supplementary Payments The following changes apply to Supplementary Payments—Coverages A and B: 1. Paragraphs 1.b.and 1.d.are replaced by the following: b. Up to$5,000 for the cost of bail bonds required because of accidents or traffic law violations arising out of the use of any vehicle to which the Bodily Injury Liability Coverage applies. We do not have to furnish these bonds. d. All reasonable expenses incurred by the insured at,our request to assist us in the investigation or defense of the claim or"suit", including actual loss of earnings up to$1,000 a day because of time off from work. 2. The following Paragraph is added to Paragraph 1.: . At your option, up to $500 for "property damage" to an "auto" resulting from contact with your drive through facility or automated teller machine, provided the "auto" is not owned by or rented to you or any insured. Such payment will not reduce the limits of insurance. M. Broadened Property Damage 1. Property Damage to Contents of Premises Rented Short-Term The paragraph directly following Paragraph (6) in Exclusion j. of Section I —Coverage A— Bodily Injury And Property Damage Liability is replaced by the following: Paragraphs (1), (3)and (4) of this exclusion do not apply to "property damage" to premises including "property • damage" to the contents of such premises, rented to you under a rental agreement for a period of 14 or fewer consecutive days. A separate Limit of Insurance applies to Damage to Premises Rented to You as described in Section HI—Limits Of Insurance. 2. Elevator Property Damage a. The following is added to Exclusion j. of Section I —Coverage A — Bodily Injury And Property Damage Liability: Paragraphs (3) and (4) of this exclusion do not apply to "property damage" arising out of the use of an elevator at premises you own, rent or occupy. b. The following is added to Section III—Limits Of Insurance: Subject to Paragraph 5. above, the most we will pay under Coverage A for damages because of "property damage" to property loaned to you or personal property in the care, custody or control of the insured arising , out of the use of an elevator at premises you own, rent or occupy'is$25,009 per"occurrence". U-GL-2218-A CW(08/21) Includes copyrighted material of Insurance Services Office,Inc.,with its permission. Page 7 of 13 3. Property Damage to Borrowed Equipment a. The following is added to Exclusion j. of Section I — Coverage A Bodily Injury And Property Damage Liability: Paragraph(4)of this exclusion does not apply to"property damage"to equipment you borrow from others. b. The following is added to Section III—Limits Of Insurance: Subject to.Paragraph 5. above, the most we will pay under Coverage A for damages because of "property damage"to equipment you borrow from others is$25,000 per"occurrence". N. ,Expected.or Intended Injury or Damage Exclusion a.of Section I—Coverage A Bodily Injury And Property:Damage Liability is,replaced by the following: This insurance does not apply to: a. Expected Or Intended Injury Or Damage "Bodily injury"or"property damage"expected•or intended from the standpoint of the insured. This exclusion does not apply to"bodily injury or"property damage" resulting from the use of"reasonable force to protect persons or property. 0. Definitions—Bodily Injury and Property Damage . The"bodily injury"and"property damage"definitions under the Definitions Section are replaced by the following: "Bodily injury" means bodily injury, sickness or disease sustained by a person, including mental anguish, mental injury,shock,fright or death sustained by that person which results from that bodily injury,sickness or disease. "Property damage"means: a. Physical injury to tangible property,including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it;or b. Loss of use of tangible property that is not physically injured. All such loss of use shall be deemed to occur at the time of the"occurrence"that caused it. For the purposes of this insurance,electronic data is not tangible property. As used in this definition,electronic data means information,facts or programs stored as or on,created or used on,or transmitted to or from computer software, including systems and applications software, hard or floppy disks, CD-ROMs, tapes, drives, cells, data processing devices or any other media which are used with electronically controlled equipment. However, tangible property does not include money, currency, coin, bank notes, Federal Reserve notes, money orders, travelers checks, instruments or contracts that represent money or an interest in property, including but not limited to certificated and uncertificated securities, negotiable instruments, certificates of deposit, drafts, checks, acceptances, evidence of debt, security agreements, withdrawal orders, certificates of origin or title, letters of credit, warrants, scrip; contracts, bills of lading,insurance policies,'abstracts of title,deeds, and mortgages on real estate, revenue and other stamps,tokens, unsold lottery tickets,books of account and other records,gems,jewelry,precious metals in bars or ingots,and all other property of-a similar nature. P. Non-Owned Aircraft,Auto and Watercraft Exclusion g.of Section I-Coverage A—Bodily Injury And Property Damage Liability is replaced by the following: This insurance does not apply to: g. Aircraft,Auto Or Watercraft "Bodily injury" or"property damage" arising out of the ownership, maintenance, use or entrustment to others of any aircraft,"auto"or watercraft owned or operated by or rented or loaned to any insured. Use includes operation and "loading or unloading". This exclusion applies even..if the claims against any insured allege negligence or other wrongdoing in the supervision,hiring,employment,training or monitoring of others by that insured,if the'occurrence"which caused the"bodily injury"or"property damage" involved the ownership,maintenance,use or entrustment to others of any aircraft, "auto"or watercraft that is owned or operated by or rented or loaned to any insured. U-GL-2218-A CW(08/21) Includes copyrighted material of Insurance Services Office,Inc.,with its permission. Page 8 of 13 • This exclusion does not apply to: (1) A watercraft while ashore on premises you own or rent;. (2) A watercraft you do,not own that is: (a) Less than 75 feet long;and. (b) Not being used to carry persons for a charge; (3) Parking an "auto" on,or on the ways next to, premises you own or rent, provided the"auto is not owned by or rented or loaned to you or the insured; (4) Liability assumed under any"insured contract"for the ownership, maintenance or use of aircraft or watercraft; (5) An aircraft that is hired or chartered by you:or loanedto you,with a paid and licensed crew,and is not owned . inwhole or in part by an insured;or (6) "Bodily injury or"property damage"arising out of: (a) The operationof machinery or equipment that is attached to, or part of, a land vehicle that would qualify under the definition of"mobile equipment"if it were not subject to a compulsory or financial responsibility law or other motor vehicle insurance law,where it is licensed'orprincipally garaged;or (b) The operation of any of the machinery or equipment listed in Paragraph f.(2)or f.(3)of the definition of. "mobile equipment". Q. Definitions—Leased Worker,Temporary Worker.and Labor Leasing Firm , 1. The "leased worker' and "temporary worker" definitions under the Definitions Section are replaced by the following: "Leased worker" means a person leased to you by a""labor leasing firm"under a written agreement between you and the"labor leasing firm", to perform duties relatedto the conduct of your business. "Leased worker"does not include a"temporary worker". "Temporary"worker means a person who is furnished to you to support or supplement your work force during "employee" absences, temporary skill shortages, upturns or downturns in business or to meet seasonal or short-term workload conditions. "Temporary worker does not include a"leased worker". 2. .The following definition is added to the Definitions Section: "Labor leasing firm"means any person or organization who hires out workers to others, including any: a. Employment agency,contractor or services; b. Professional employer organization;or c. Temporary help service. R. Definition—Mobile Equipment • Paragraph f:.of the"mobile equipment"definition under the Definitions Section is replaced by the following: f. Vehicles not described in Paragraph a., b., c. or d. above maintained primarily for purposes other than the transportation of persons or cargo. However, self-propelled vehicles with the following types of permanently attached equipment, exceeding a combined gross vehicle weight of 1000 pounds,are not"mobile equipment"but will be considered"autos (1) Equipment designed primarily for: (a) Snow removal; (b) Road maintenance,but not construction or resurfacing;or (c) Street cleaning; , (2) Cherry pickers and similar devices mounted on automobile or truck chassis and used to raise or;lower workers; and (3) Air compressors, pumps and generators, including spraying; welding; building cleaning, geophysical exploration,lighting and well servicing equipment: U-GL-2218-A`CW(08/21) Includes copyrighted material of Insurance Services Office,Inc.,with its permission. Page 9 of 13 S. Definitions—Your Product and.Your.Work The"your product"and"your work"definitions under the Definitions Sectionarereplaced by the following: "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. b. Includes: (1) Warranties or representations madeat any time with respect to the fitness, quality, durability, performance, use, handling, maintenance,operation or safety of"your product"; and (2) The providing of or failure to provide warnings or instructions. c. Does not include vending machines or other property rented to or located for the use of others but not sold. "Your work": a. Means: (1) Work,services or operations performed by you or on your behalf;and (2) Materials, parts or equipment furnished in connection with such work,services or operations. b. Includes: (1) Warranties or representations made at any time with respect tothe,fitness,quality, durability, performance, use, handling;maintenance, operation or safety of"your work";and (2) The providing of or failure to provide warnings or instructions. T. Expanded Personal and Advertising Injury Definition 1. The"personal and advertising injury"definition under the Definitions Section is replaced by the following: "Personal and advertising injury" means injury, including consequential "bodily injury",arising out`of one or more of the following offenses: a. False arrest,detention or imprisonment; b. Malicious prosecution; C. The wrongful eviction from, wrongful entry into, or invasionof the right of private occupancy:of a room, dwelling or premises that;a'.person occupies,committed by or on behalf of its owner; landlord or lessor; d. Oral or written publication, in any.manner, of material that slanders or libels a person or organization or disparages a person's or organization's goods,'products'or services; e. Oral or written publication, in any manner,of material that violates a person's right of privacy; f. The use of another's advertising idea in your"advertisement"; g. Infringing upon another's copyright,trade dress or slogan in your"advertisement";or h. Discrimination, harassment or segregation, based on sex, sexual orientation, gender identity, gender expression, marital status, race, creed, religion, national origin, age, physical capabilities or mental capabilities,except to the extent: (1) Insurance for the discrimination, harassment or segregation is prohibited by law;or (2) The discrimination,harassment or segregation directly or indirectly relates to: (a) The employment, prospective employment or termination of employment of any person or persons by any insured;or U-GL-2218-A CW(08/21) Includes copyrighted material of Insurance Services Office,Inc.,with its permission. ; Page 10 of 13 (b) The sale, rental, lease or sublease, or prospective sale, rental, lease or sublease of any.room, dwelling or premises by or at the direction of any insured. I As used in this endorsement, discrimination, harassment or,segregation,includes continuous or repeated exposure to substantially the same general harmful conditions. 2. Solely for the purposes of Paragraph 1.h.above,the following exclusion is added to Paragraph 2. Exclusions of Section I—Coverage B—Personal And Advertising Injury Liability: This insurance does not apply to: . Discrimination,Harassment Or Segregation Prior To Policy Period _ "Personal and advertising injury" arising out of.any discrimination, harassment or segregation which formed the basis of an offense before the beginning of the policy period. U. Duties in the Event of Occurrence,Offense,Claim or Suit Condition The following paragraphs are added to Paragraph 2. Duties In The Event Of Occurrence, Offense,Claim Or Suit of Section IV—Commercial General,Liability Conditions:` Notice of an "occurrence" or of an offense which'may result'in a claim under.this insurance or notice of a claim or "suit" shall be given to us as soon as practicable after: knowledge of the "occurrence", offense, claim or"suit" has been reported to any insured listed under Paragraph 1.of Section II Who Is An Insured or an"employee"authorized , by you to give or receive such notice. 'Knowledge by other."employees"of an "occurrence", offense, claim or"suit" does not imply that you also have such knowledge. - In the event that an insured reports an "occurrence" to the workers compensation carrier of the Named Insured and this"occurrence" later develops into a General Liability claim, covered by this Coverage Part,the insured's failure to report such "occurrence"to us at the time of the"occurrence shall not be deemed Ito'be a violation of this Condition. You must, however, give us notice as soon as practicable after being made..aware'that the particular claim is a General Liability rather than a Workers Compensation claim. I V. Other Insurance Condition Paragraphs 4.a. and 4.b.(1) of the Other. Insurance Condition of Section IV - Commercial General Liability ' Conditions are replaced by the following: 4. Other Insurance If other valid and collectible insurance is available to the insure_d for a loss we cover under Coverages A or B of this Coverage Part,our obligationsare limited as follows: a. Primary Insurance This insurance is primary except when Paragraphb. below applies. If this insurance is primary, our obligations are not affected unless any of The other insurance is also primary. Then,we will share with all that , other insurance by the method described in Paragraph c. below. However, this insurance is primary to and will not seek contribution from any other insurance available toan additional insured 'provided that: ' (1) The additional insured is a Named Insured undersuch other insurance;'and (2) You are required by written contract or written agreement that,this insurance be primary and not seek contribution from any other insurance available to the additional,insured. Other insurance includes any type of self insurance or other mechanism by which an insured arranges for funding of its legal liabilities. b. .Excess Insurance (1) This insurance is excess over: (a) Any of the other insurance,whether primary,excess,contingent or on any other basis: (i) That is property insurance, Builder's Risk, Installation Risk or similar coverage for"your work'; (ii) That is property insurance purchased by you (including any'deductible or self insurance portion thereof) to cover premises rented to you or temporarily occupied by you with permission of the owner; U-GL-2218-A CW(08/21) Includes copyrighted material of Insurance Services Office,Inc.,with its permission. ' Page 11 of 13 (iii)That is insurance purchased by you (including any deductible or self insurance portion thereof)to cover your liability as a tenant for "property damage" to premises rented to youor temporarily occupied by you with permission of the owner; (iv)If the loss arises out of the maintenanceor use of aircraft, "autos"or watercraft to the extent not subject to Exclusion g.of Section I—Coverage A-Bodily Injury And Property Damage Liability; or (v) That is property insurance(including any deductible or self insurance portion thereof) purchased by you to cover damage to: Equipment you borrow from others;or Property loaned to you or personal property in the care, custody or control of the insured arising out of the use of an elevator at premises you own, rent or occupy. (b) Any other primary insurance (including any,deductible or self insurance portion thereof) available to • the insured'covering liability for damages arising out of the premises,operations, products, work or services for which the insured has been granted additional insured status either by policy provision or attachment of any endorsement. Other primary insurance includes any type of self insurance or other mechanism,by which an insured arranges for funding of its legal liabilities. (c) Any of the other insurance,whether primary,excess,contingent or on any other basis,available to an additional insured, in which the additional insured on our policy is also covered as an additional insured on another policyproviding coverage for the same "occurrence", claim or "suit". This provision does not apply to any policy in which the additional insured is a Named Insured on such other policy and where our policy is required by written contract orwritten agreement to provide coverage to the additional insured on a primary and non-contributory basis. W. Unintentional Failure to Disclose All Hazards Paragraph 6. Representations of Section IV — Commercial General Liability Conditions is replaced by the following: 6. Representations By accepting this policy,you agree: a. The statements in the Declarations are accurate and complete; b. Those statements are based upon representations you made tows;and c. We have issued this policy in reliance upon your representations. Coverage will continue to apply if you unintentionally: a. Fail to disclose all hazards existing at the inception of this policy;or b. Make an error, omission or improper description of premises or other statement.of information stated inthis policy. You must notify us as soon as possible after the discovery of any hazards or any other information that was not provided to us prior to inception of this Coverage Part. X. Waiver of Right of Subrogation Paragraph 8. Transfer Of Rights Of Recovery Against Others To Us of Section IV — Commercial General Liability Conditions is replaced by the following: . 8. Transfer Of Rights Of Recovery Against Others To Us a. If the insured has rights to recover all or part of any payment we have made under this Coverage Part,those rights are transferred to us. The insuredmust do nothing after loss to impair them. At our request, the insured will bring,"suit"or transfer those rights to us and help us enforce them. - b. If the insured waives its right to recover payments for injury or damage from another person or organization in a written contract executed prior toa loss,we waive any right of recovery we may have against such person or organization because of any payment we have made under this-Coverage Part. The written contract will be considered executed when the insured's performance begins, or when it is signed, whicheverhappens first. This waiver of rights shall not be construed to be a waiver with respect to any other operations in which the insured has no contractualinterest. U-GL-2218-A CW(08/21)- Includes copyrighted material of Insurance Services Office,Inc.,with its permission. Page 12 of 13 Y. In Rem Section IV—Commercial General Liability Conditions is amended to add the following: In Rem Any "suit" brought as an action in rem against any watercraft owned or operated'by or for the insured shall in all respects be treated in the same manner as though such"suir were brought against the insured. Z. Liberalization Condition The following condition is added to Section IV—Commercial General Liability Conditions: Liberalization Clause If we revise this Coverage Part to broaden coverage without an additional .premium charge, your policy will automatically provide the additional coverage as of the day the revision is effective in the state shown in the mailing address of your policy. r' All other terms,'conditions,provisions and exclusions of this policy remain the same: U-GL-2218-ACW(08121) Includes copyrighted material of Insurance Services Office,Inc.,with its permission. Page 13 of 13