Loading...
HomeMy WebLinkAboutInsurance Certificate: Butlers Glass Service Inc® -��a►�o CERTIFICATE OF LIABILITY INSURANCE DATE (MMfDDrNYY) 02/2o/2v2s 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(€es) 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 Hart Insurance Agency PO Box 1240 CONTACT R Dolmage PHONE FAX (A-I�.tLoExt);__...,.,{541) „779-4232 LAlc,Wo)_,_(541) 772-3963 E-MAIL ADDRESS: kdolmage0hartinsurance.com Grants Pass OR 97528 _INSURER(S),AFFORDING COVERAGE _ NAtC A INSURERA: Cincinnati Specialty Underwrit 13037 INSURED Butlers Glass Service Inc INSURER R : ------- --- ---------- - Bills Glass Glass 6 Windshields INSURERC: INSURERD: 319 E McAndrews Road [ INSURERE: [ Medford OR 97501 INSURER F: f'CIVFRA(: FC xn C'FRTIKIf.ATF MI IMPIPP• r:nrf•_ Tn 1119AA ranfil RFvi.oinN NIIMRFR- THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTIMTHSTANDING 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. lLTR TYPE OF INSURANCE ADSDL€SNUB©' POLICY NUMBER POLICY EFF FOLIC MhVDD POLICY EXP MMIDD I LIMITS A X COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE S 1,000,000 CLAIMS -MADE l X OCCUR y Y CSU 0079916 02/19/2025 02/19/2026 DAMAGE TO R—NTF=P PREMISES Ea__ouu LIED f-XP (Any one person)--.. 5 .,_.....,._.,_._ Products & Completed PERSONAL & AOV INJURY S X GEN-L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE S POLICY JECOT LOC ......., _. PRODUCTS-CO,NIPIOP AGG S 2,000,000 j f S OTHER: AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT Ea acodenl S n) ANY AUTO y OWNED SCHEDULED AUTOS ONLY AUTOS HIREDiii (i AUTOS ONLY AUTOS ONLY _,_, BOUILY INJURY (Per nocident) _._..._-...,....__..r S Per PROPERTY AGE S A X UMBRELLALIAB X € OCCUR LCESSLIAC�LAIh1S-MAD£. CSU 0086650 02/19/2025 02/19/2026h EACH OCCURRENCE AGGREGATE is 1,000,000 _ 5 1,000,040 DEDT I (B RETENTION 5 -_ 5 WORKERS COMPENSATION AND EMPLOYERS'LIABILITY YIN ANYPROPRiETOPUPARTN ERIEXECUTIVE j I TH- STATUTE Eft PER E.L- EACH ACCIDENT S OFFICEFU.tEMBEREXCLUDED? ❑ (Mandatory In NH) NIA - --..-..-. ....-------- E.L. DISEASE- EA Eh1PLDYEE ---- S E.L pISEASE-PO LICY LIF,1iT �,....,. _ $ If yes descri.be under DESCRIPTION OF OPERATIONS be!av S S DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD fi11, Additional Remarks Schedute, maybe attached if more space is required) Certificate holder is listed as additional insured including waiver of subrogation where required by written contract per attached forms CSIA405 08/09 and CSGA4087 12/12 L:EKTIt- I(;A I h MULL)hK UANULLLA I JUN City Of Ashland 20 East Main Street Ashland OR 97520 SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. AUTHORIZED REPRESENTATIVE ©1988-2016 ACORD CORPORATION. All rights reserved. ACORD 26 (2016103) The ACORD name and logo are registered marks of ACORD Page 1 of 1 A hP CERTIFICATE OF LIABILITY INSURANCE DATE (MhvDDrYYYY) 02/20/2025 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(les) must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and Conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER CONTACT NAME: Kristi R Dolmage Hart Insurance Agency PO Box 1240 PHONE -W-11Q.,Exi): (541) 779-4232 i (11,Na):-(_541) 772-3963 E•htAIL e ADDRESS: kdolma g 0hartinsurance.com Grants Pass OR 97528 INSURERISJAFFORDINGCOVERAGE NAIC# INSURERA:Cincinnati Insurance Company _[l0677 INSURED INSURER B : Butlers Glass Service Inc Bills Glass & Windshields INSURERC: INSURERD: 319 E McAndrews Road INSURERS:_- Medford OR 97501 INSURERF: COVERAGES KD CERTIFICATE NUMBER:Cert ID 31287 (356) 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 [ LVVERI D POLICY NUMBER M�pY EFF MOLD! pY..EXP LIMITS A X COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE S 1,000,000 ��� CLAIMS -MADE X 1 OCCUR Y Y EPP 0374731 02/19/2025.02/19/2026' DAI. iTE TO WENTED PREhIISESjEaoccg+rff)Cej $ 500,000 PMED EXP (Any one pusor) _ 5_ 10,000 PERSONAL & ADV INJURY IS 1,000,000 GEN'L GENERAL AGGREGATE � S 2,000,000- _ AGGREGATE LWITAPPLIES PER POLICY I x -1 PRO- u LOC IS 2,000,000 ���S--COMPiOPAGG S OTHER: E� i A AUTOMOBILE LIABILITY -X ANY AUTO � Y Y j jEPP 0374731 � 33 302/19/202502/19/2026. CO,%al ocdED SINGLE LIMIT Ea enl S 1 000 OOD � BODILY INJURY (Per person, _ _.!,.._..,_, S AWNED E SCHEDULED AUTOS ONLY AUTOS BODILY INJURY (Per acradenq S PROPERTYDAP.IAGE Per accident S HIRED f NON-OPNNED AUTOS ONLY _I AUTOS ONLY S A X UMBRELLA LIAB X OCCUR EXCESS LIAR CLAIMS -MADE I EPP 0374731 02/19/2025102/19/2026' EACH OCCURRENCE AGGREGATE 5 1,000,000 �5 1,000,000 DED E RETEN€IONS _ _ _ _ S WORKERS COMPENSATION ANDEMPLOYERS'LIABILITY YlN APJYPROPRIETORIPARTNERIEX£CUTIVE ' I PER ERH- SITE ER E.L- EACH ACCfOENT S OFFICER IEMBEREXCLUDED? � NIA ---'----""' ---- (Mandatory In NH) E.L. DISEASE - EA EMPLOYEEI S -------_.-----------..-.�.. _ E.L. DISEASE - P011CY LIMIT 5 if yes, describe under DESCRIPTION OF OPERATIONS be ow I $ 5 DESCRIPTION OF OPERATIONS I LOCATIONS I VEHICLES (ACORD 101, Additional Remarks Schedule, may he attached if more space Is required) certificate holder is listed as additional insured per attached forms GA472 05/20, GA210 06/2-1 and AA288 06/20 l� a �a 11 iLhlUai Nl_L13i1 City Of Ashland 20 East Main Street Ashland OR 97520 SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. AUTHORIZED REPRESENTATIVE ©1988-2016 ACORD CORPORATION. All rights reserved. ACORD 25 (2016t03) The ACORD name and logo are registered marks of ACORD Page I of 1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CinCiPIUS® BUSINESS AUTO XC+® (EXPANDED COVERAGE PLUS) ENDORSEMENT This endorsement modifies insurance provided by the following: BUSINESS AUTO COVERAGE FORM With respect to the coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by this endorsement. A. Blanket Waiver of Subrogation SECTION 1V - BUSINESS AUTO CONDI- TIONS, A. Loss Conditions, 5. Transfer of Rights of Recovery Against Others to Us is amended by the addition of the following: We waive any right of recovery we may have against any person or organization because of payments we make for "bodily injury" or "property damage" arising out of the operation of a covered "auto" when you have assumed liability for such "bodily injury" or "property damage" under an "insured contract", provid- ed the "bodily injury" or "property damage" oc- curs subsequent to the execution or the "in- sured contract". B. Noncontributory Insurance SECTION ill - BUSINESS AUTO CONDI- TIONS, B. General Conditions, 5. Other In- surance c. is deleted in its entirety and re- placed by the following: Regardless of the provisions of Par- agraph a. above, this Coverage Form's Liability Coverage is primary and we will not seek contribution from any other insurance for any lia- bility assumed under an "insured contract" that requires liability to be assumed on a primary noncontributo- ry basis. C. Additional Insured by Contract This provision does not apply unless the valid written contract has been: 1. Executed prior to the accident causing "bodily injury"or "property damage'; and 2. Is still in force at the time of the "accident" causing "bodily injury" or "property dam- age". D. Employee Hired Auto 1. Changes in Liability Coverage The following is added to the SECTION If - LIABILITY COVERAGE, A. Coverage, 1. Who is an Insured: An "employee" of yours is an "insured" while operating an "auto" hired or rented under a contract or agreement in that "employee's" name, with your permission, while performing duties related to the conduct of your business. 2. Changes in General Conditions SECTION IV - BUSINESS AUTO CON- DITIONS, B. General Conditions, 5. Other Insurance is deleted in its entirety and replaced by the following: b. 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 SECTION II - LIABILITY COVERAGE A. Coverage, 1. Who is an Insured is amended (2} Any covered "auto" hired or to include as an insured any person or organi- rented by your "employee" under zation for whom you have agreed in a valid a contract in that individual "em- written contract to provide insurance as af- ployee's" name, with your per - forded by this policy, mission, while performing duties related to the conduct of your This provision is limited to the scope of the business. valid written contract. Includes copyrighted material of ISO AA 288 06 20 Properties, Inc., with its permission. Page 1 of 4 4. Subject to the above limit, deductible, and excess provisions we will provide cover- age equal to the broadest coverage appli- cable to any covered 'auto" you own in- sured under this policy. Coverage includes loss of use of that hired au- to, provided it results from an "accident" for which you are legally liable and as a result of which a monetary loss is sustained by the leasing or rental concern. The most we will pay for any one "accident" is $3,000. If a limit for Hired Auto - Physical Damage is shown in the Schedule, then that limit replac- es, and is not added to, the $50,000 limit indi- cated above and the deductibles shown in the Schedule are applicable. J. Rental Reimbursement SECTION III - PHYSICAL DAMAGE COV- ERAGE is amended by adding the following: 1. We will pay for rental reimbursement ex- penses incurred by you for the rental of an "auto" because of a 'loss" to a covered "auto". Payment applies in addition to the otherwise applicable amount of each cov- erage you have on a covered "auto". No deductible applies to this coverage. 2. We will pay only for those expenses in- curred during the policy period beginning 24 hours after the "loss" and ending, re- gardless of the policys expiration, with the lesser of the following number of days: a. The number of days reasonably re- quired to repair the covered "auto". If "loss" is caused by theft, this number of days is added to the number of days it takes to locate the covered "auto" and return it to you; or b. 30 days. 3. Our payment is limited to the lesser of the following amounts: a. Necessary and actual expenses in- curred, or b. $50 per day. 4. This coverage does not apply while there are spare or reserve "autos" available to you for your operations. K. Transportation Expense - Higher Limits SECTION III - PHYSICAL DAMAGE COV- ERAGE, A. Coverage, 4. Coverage Exten- sions is amended by replacing $20 per day with $50 per day, and $600 maximum with $1,500 maximum in Extension a. Transpor- tation Expenses. L. Airbag Coverage SECTION III - PHYSICAL DAMAGE COV- ERAGE, B. Exclusions, 3.a. is amended by adding the following: However, the mechanical and electrical breakdown portion of this exclusion does not apply to the accidental discharge of an airbag. This coverage for airbags is excess over any other collectible insurance or warranty. M. Loan or Lease Gap Coverage 1. SECTION III - PHYSICAL DAMAGE COVERAGE, C. Limit of Insurance is deleted in its entirety and replaced by the following, but only for private passenger type "autos" with an original loan or lease, and only in the event of a "total loss" to such a private passenger type "auto": a. The most we will pay for "loss" in any one "accident" is the greater of: (1) The amount due under the terms of the lease or loan to which your covered private passenger type "auto" is subject, but will not include: (a) Overdue lease or loan pay- ments; (b) Financial penalties imposed under the lease due to high mileage, excessive use or abnormal wear and tear; (c) Security deposits not re- funded by the lessor; (d) Costs for extended warran- ties, Credit Life Insurance, Health, Accident or Disabil- ity Insurance purchased with the loan or lease; and (e) Carry over balances from previous loans or leases, or 5. We will pay under this coverage only that (2) Actual cash value of the stolen amount of your rental reimbursement ex- or damaged property. penses which is not already provided for b. An adjustment for depreciation and under SECTION III - PHYSICAL DAM- physical condition will be made in de - AGE COVERAGE, A. Coverage, 4. termining actual cash value at the Coverage Extensions. time of "loss". Includes copyrighted material of ISO AA 288 06 20 Properties, Inc., with its permission. Page 3 of 4 COMMERCIAL GENERAL LIABILITY CSGA 4087 1212 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. WAIVER OF TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US - PER CONTRACT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART The following is added to Paragraph 8. Transfer of Rights of Recovery Against Others to Us of SECTION IV - CONDITIONS: If you have agreed, in a written contract or agreement, to provide a waiver of any right of recovery against a person or organization, we will waive any right of recovery we may have against that person or organization because of payments we make for injury or damage arising out of your ongoing operations or "your work" done under a contract with that person or organization and included in the "products -completed operations hazard". This waiver applies only to that person or organization for which you have agreed to in a written contract to provide said waiver. Includes copyrighted material of Insurance CSGA 408712 12 Services Office, Inc., with its permission. Page 1 of 1 9. Property Damage To Borrowed Equipment Each Occurrence Limit: $10,000 Deductible Amount: $ 250 C. Coverages istration" of your "employee benefit program'; and I. Employee Benefit Liability Coverage 1) Occurs during the policy a. The followingis added to Section I - period; or Coverages: 2) Occurred prior to the EMPLOYEE BENEFIT LIABILITY "first effective date" of COVERAGE this endorsement pro- (1) Insuring Agreement vided: (a) We will pay those sums that a) You did not have the insured becomes legally knowledge of a obligated to pay as damag- claim or "suit" on or es caused by any act, error before the "first ef- or omission of the insured, fective date" of this or of any other person for endorsement. whose acts the insured is You will be legally liable, to which this deemed to have insurance applies. We will knowledge of a have the right and duty to claim or "suit" defend the insured against when any insured any "suit" seeking those listed under C. damages. However, we will Coverages, 1. have no duty to defend Employee Benefit against any "suit" seeking Liability Coverage, damages to which this in- b. Who Is An In- surance does not apply. We sured, (1) of this may, at our discretion, in- endorsement or vestigate any report of an any "employee" act, error or omission and authorized by you settle any claim or "suit" that to give or receive may result. But: notice of a claim or 1) The amount we will pay "suit": for damages is limited i) Reports all, or as described in C. Cov- any part, of the erages, 1. Employee act, error or Benefit Liability Cover- omission to us age, c. Limits Of Insur- or any other ante of this endorse- insurer; ment; and ii) Receives a 2 Our right and duty to } g Y written or ver- defend ends when we bal demand or have used up the appli- claim for dam - cable limit of insurance ages because in the payment of judg- of the act, er- ments or settlements. ror or omis- No other obligation or liabil- sion; and ity to pay sums or perform b) There is no other acts or services is covered applicable insur- unless explicitly provided for ance under Supplementary Pay- ments. (2) Exclusions (b) This insurance applies to This insurance does not apply to: damages only if the act, er- (a) Bodily Injury, Property ror or omission is negligentty "admin- Damage Or Personal And committed in the Advertising Injury Includes copyrighted material of Insurance GA 210 OR 06 23 Services Office, Inc., with its permission. Page 2 of 16 {j) Employment -Related Prac- b. Who Is An Insured tices As respects Employee Benefit Liabil- Any liability arising out of ity Coverage, Section II - Who Is An any: Insured is replaced by the following: 1) Refusal to employ; (1) If you are designated in the Dec- larations as: 2) Termination of employ- ment; (a) An individual, you and your spouse are insureds, but on- 3) Coercion, demotion, ly with respect to the con - evaluation, reassign- duct of a business of which ment, discipline, defa- you are the sole owner. mation, harassment, humiliation, discrimina- (b) A partnership or joint ven- tion or other employ- ture, you are an insured. ment-related practices, Your members, your part - acts or omissions; or ners, and their spouses are also insureds but only with 4) Consequential liability respect to the conduct of as a result of 1), 2) or 3) your business. above. (c) A limited liability company, This exclusion applies you are an insured. Your whether the insured may be Y members are also insureds, held liable as an employer but only with respect to the or in any other capacity and conduct of your business. to any obligation to share Your managers are in - damages with or repay sureds, but only with respect someone else who must pay to their duties as your man - damages because of the in- agers. jury- (k) Cyber Any liability, costs, expenses or damages arising, directly or indirectly, out of or as a consequence of any: 1) "Computer attack'; 2) "Network security inci- dent'; 3) "Privacy violation"; or 4) Fraudulent communica- tion that impersonates any person or organiza- tion that results in the transfer of funds or oth- er property, regardless of the medium or tech- nique used. (3) Supplementary Payments (d) An organization other than a partnership, joint venture or limited liability company, you are an insured. Your "execu- tive officers" and directors are insureds, but only with respect to their duties as your officers or directors. Your stockholders are also insureds, but only with re- spect to their liability as stockholders- (e) A trust, you are an insured. Your trustees are also in- sureds, but only with respect to their duties as trustees. (2) Each of the following is also an insured: (a) Section I - Supplementary Pay- ments - Coverages A and B also (b) apply to this Coverage, however 1.b, and 2, of the Supplementary Payments provision do not apply. Includes copyrighted material of Insurance GA 210 OR 06 23 Services Office, Inc., with its permission. Each of your "employees" who is or was authorized to administer your "employee benefit program"; Any persons, organizations or "employees" having prop- er temporary authorization to administer your "employ- ee benefit program" if you die, but only until your legal Page 4 of 16 (c) The terms of this insurance, b. If a claim is made or including those with respect "suit" is brought against to: any insured, you must: 1) Our right and duty to (1) Immediately record defend the insured the specifics of the against any "suits" claim or "suit" and seeking those damag- the date received; es; and and 2) Your duties, and the du- (2) Notify us as soon ties of any other in- as practicable, volved insured, in the event of an act, error or You must see to it that omission, or claim; omission, we receive written no - Lice of the claim or suit apply irrespective of the ap- as soon as practicable. plication of the Deductible Amount. c. You and any other in- volved insured must: (d) We may pay any part or all (1) Immediately send of the Deductible Amount to effect settlement of any copies any claim or "suit" and, upon no- demands, notices, de tification of the action taken, summonses or le - you shall promptly reim- you i papers re - burse us for such part of the ived in - Deductible Amount as we lion with thee claim have paid, h or "suit'; d. Additional Conditions (2) Authorize us to ob- tain records and As respects Employee Benefit Liabil- other information; ity Coverage, Section IV - Commer- cial General Liability Conditions is (3} Cooperate with us amended as follows: in the investigation or settlement of the (1) Item 2. Duties In The Event Of claim or defense Occurrence, Offense, Claim Or against the "suit'; Suit is replaced by the following: and 2. Duties In The Event Of An (4) Assist us, upon our Act, Error, Omission, request, in the en - Claim Or Suit forcement of any right against any a. You must see to it that person or we are notified as soon may ich may nation which as practicable of an act, p be liable to the in - error or omission which sured because of may result in a claim. an act, error or To the extent possible, omission to which notice should include: this insurance may (1) What the act, error also apply. or omission was d, No insured will, except and when it oc- at that insured's own curred; and cost, voluntarily make a (2) The names and payment, assume any addresses of any- obligation, or incur any one who may suf- expense without our fer damages as a consent• result of the ad, (2) Item 4. Other Insurance is re - error or omission. placed by the following: Includes copyrighted material of Insurance GA 210 OR 06 23 Services Office, Inc., with its permission. Page 6 of 16 GA 210 OR 06 23 fication or authentica- tion; or b. Information, regardless of how it is captured, converted, stored or shared, based on an in- dividual's biological measurement or physi- cal characteristic. counts; provided that no one other than an "em- ployee" may subscribe to such benefits and such benefits are made generally available to those "employees" who satisfy the plan's eligibil- ity requirements; b. Profit sharing plans, 3. "Cafeteria plans" means employee savings leans authorized b a p Y lica- pp plans, employee stock ble law to allow "employees" ownership plans, pen - to elect to pay for certain sion plans and stock benefits with pre-tax dollars. subscription plans, pro- 4. "Computer attack" means: vided that no one other than an "employee" a. Unauthorized access or may subscribe to such authorized access for benefits and such bene- an unauthorized pur- fits are made generally pose; "employ- available to all "employ- ees" who are eligible b, A 'Ynalware attack'; or under the plan for such c. A "denial of service at- benefits; tack"; c. Unemployment insur- against any computer, com- ance, social security puter system or network of benefits, workers' com- computers or computer sys- pensation and disability tems, including any other benefits; and machinery or equipment, in- d. Vacation plans, includ- cluding their control sys- ing buy and sell pro- tems, which are accessed grams; leave of ab- by or integrated into a com- sence programs, includ- puter, computer system or ing military, maternity, network of computers or family, and civil leave; computer systems. tuition assistance plans; 5. "Denial of service attack" transportation and means an attack against a health club subsidies. target computer or network 7, "First effective date" means of computers designed to the date upon which cover - overwhelm the capacity of age was first effected in a the target computer or net- series of uninterrupted re- work in order to deny or im- newals of insurance cover- pede users from gaining ac- age. cess to the target computer or network through the in- 8. "Maiware attach' means an ternet. com- attack that damages a com- puter, computer system or b, "Employee benefit pro- p network of computers or grams" means a program computer systems, including providing some or all of the any other machinery or following benefits to "em- equipment, including their ployees", whether provided control systems, which are through a "cafeteria plan" or accessed by or integrated otherwise: into a computer, computer a. Group life insurance; system or network of com- group accident or health puters or computer systems, insurance; dental, vision or data contained therein and hearing plans; and arising from malicious code, FleAble spending ac- including, but not limited to, viruses, worms, Trojans, Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 8 of 16 policy, we will not reject coverage under 5) Settling, cracking, this Coverage Part based solely on such shrinking or expansion; failure. 6) Nesting or infestation, 3. Damage To Premises Rented To You or discharge or release of waste products or a. The last paragraph of 2. Exclusions secretions, by insects, under Section I - Coverage A - Bod- birds, rodents or other ily Injury And Property Damage Li- animals; or ability is replaced by the following: 7) Presence, growth, pro - h n, do not apply Exclusions c. through pp y liferation, spread or any to damage by fire, explosion, light- activity of fungus, in- ning, smoke or soot to premises while cluding mold or mildew, rented to you or temporarily occupied and any mycotoxins, by you with permission of the owner, spores, scents or by - for which the amount we will pay is products produced or limited to the Damage To Premises released by fungi. Rented To You Limit as described in Section III - Limits Of Insurance. (b) "Property damage" caused di- or indirectly by any of the b. The insurance p rovided under Sec- folio following: tion I - Coverage A - Bodily Injury And Property Damage Liability applies to (i) Earthquake, volcanic erup- "property damage" arising out of wa- tion, landslide or any other ter damage to premises that are both earth movement; rented to and occupied by you. (i i) Water that backs up or over - As respects Water Damage Legal Li- flows or is otherwise dis- ability, as provided in Paragraph 3.b. charged from a sewer, drain, above: sump, sump pump or related equipment; The exclusions under Section I - Coverage A - Bodily Injury And Prop- (iii) Water under the ground sur- erty Damage Liability, 2. Exclusions, face pressing on, or flowing other than L War and the Nuclear or seeping through: Energy Liability Exclusion (Broad 1} Foundations, walls, Form), are deleted and the following floors or paved surfac- are added: es; This insurance does not apply to: 2) Basements, whether (a) "Property damage": paved or not; or (i) Assumed in any contract or 3) Doors, windows or other agreement; or openings. (ii) Caused by or resulting from (c) "Property damage" caused by or any of the following: resulting from water that leaks or flows from plumbing, heating, air 1 Wear and tear; conditioning, fire protection sys- 2) Rust or other corrosion, tems, or other equipment, decay, deterioration, caused by or resulting from hidden or latent defect freezing, unless: or any quality in proper- (i) You did your best to main- ty that causes it to tain heat in the building or damage or destroy it- structure; or self; (i i) You drained the equipment 3 Smog, g, and shut off the water sup- 4) Mechanical breakdown, ply if the heat was not main - including rupture or tained. bursting caused by cen- (d) "Property damage" to: trifugal force; (i) Plumbing, heating, air condi- tioning, fire protection sys- Includes copyrighted material of Insurance GA 210 OR 06 23 Services Office, Inc., with its permission. Page 10 of 16 whom you are required to add as use of equipment leased to an additional insured under this you by such person(s) or or - Coverage Part by reason of a ganization(s). A person(s or written contract, written agree- organization's status as an ment, written permit or written additional insured under this authorization. endorsement ends when their contract or agreement (2) only the following persons or or- with you for such leased ganizations are additional in- equipment ends. However, sureds under this endorsement, this insurance does not ap- and insurance coverage provided ply to any 'occurrence" to such additional insureds is lim- which takes place after the ited as provided herein: equipment lease expires. (a) Managers Or Lessors Of (c) Vendors Premises Any person or organization er or lessor of a The manager (referred to below as ven- premises leased to you you dor) you are required per are required per Paragraph Paragraph 8.a.(1) of this en- 8.a.(1) of this endorsement dorsement to provide insur- to provide insurance, but on- ante, but only with respect ly with respect to liability for to liability for "bodily injury" 'bodily injury", "property or "property damage" arising damage" or "personal and out of 'your products" which advertising injury" caused, in are distributed or sold in the whole or in part, by you or regular course of the ven- those acting on your behalf dor's business, subject to in connection with the own- the following additional ex- ership, maintenance or use elusions: of that part of the premises leased to you, subject to the (i) The insurance afforded following additional exclu- the vendor does not sions: apply to: This insurance does not ap- 1) "Bodily injury' or ply to: "property damage„ for which the ven- (i) Any "occurrence" which dor is obligated to takes place after you pay damages by cease to be a tenant in reason of the as - that premises; sumption of liability (ii) Structural alterations, in a contract or new construction or agreement. This demolition operations exclusion does not performed by or on be- apply to liability for half of such additional damages that the insured. vendor would have in the absence of (b) Lessor Of Leased Equip- the contract or ment agreement; Any person(s) or organiza- 2) Any express war- tion(s) from whom you lease ranty unauthorized equipment you are required by you; per Paragraph 8.a.(1) of this 3) Any physical or endorsement to provide in- chemical change in surance. Such person(s) or the product made organization(s) are insureds intentionally by the only with respect to liability "bodily "property vendor, for injury", damage" or "personal and 4) Repackaging, ex - advertising injury' caused, in cept when un- whole or in part, by your packed solely for maintenance, operation or Includes copyrighted material of Insurance GA 210 OR 06 23 Services Office, inc., with its permission. Page 12 of 16 rent or control and to which named as an additional in - this insurance applies: sured under any other provi- sioni of, or endorsement {) The existence, mainte added to, this Coverage nance, repair, construe- part, provided such other tion, erection or removal provision or endorsement of advertising signs, covers the injury or damage awnings, canopies, cel- for which this insurance ap- lar entrances, coal plies. holes, driveways, man- holes, marquees, hoist b. With respect to the insurance afford - away openings, side- ed to the additional insureds de - walk vaults, street ban- scribed in Paragraph 8.a.(1) of this ners or decorations and endorsement, the following is added similar exposures; to Section III - Limits Of Insurance: (ii) The construction, erec- The most we will pay on behalf of the tion or removal of eleva- additional insured is the amount of in - tors; or suranoe: (iii) The ownership, mainte- (1) Required by the written contract, nance or use of any el- written agreement, written permit evators covered by this or written authorization described insurance. in Paragraph 8.a.(1) of this en - dorsement. For the purpose of (e) Mortgagee, Assignee g Or determining the required amount Receiver of insurance only, we will include Any person or organization the minimum amount of any Um - you are required per Para- brella liability or Excess Liability graph 8.a.(1) of this en- coverage required for that addi- dorsement to provide insur- tional insured in that written con- ance, but only with respect tract, written agreement, written to their liability as mortga- permit or written authorization; or gee, assignee or receiver (2) Available under the applicable and arising out of the own- limits of insurance; ership, maintenance or use of the premises by you. whichever is less. However, this insurance does not apply to structural This endorsement shall not increase alterations, new construction the applicable limits of insurance. and demolition operations c. Section IV - Commercial General performed by or for that per- Liability Conditions is amended to son or organization. include the following: (3) The insurance afforded to addi- Automatic Additional Insured Pro- tional insureds described in Par- vision agraph 8.a.(1) of this endorse- ment: This insurance applies only if the (a) Only applies to the extent bodily injury or property damage occurs, or the "personal and advertis- permitted by law; ing injury' offense is committed: GA 210 OR 06 23 (b) Will not be broader than that (1) During the policy period; and which you are required by the written contract, written (2) Subsequent to your execution of agreement, written permit or the written contract or written written authorization to pro- agreement, or the issuance of a vide for such additional in- written permit or written authori- sured; and zation, described in Paragraph (c) Does not apply to any per- son, organization, vendor, d. Section IV - Commercial General state, governmental agency Liability Conditions is amended as or subdivision or political follows: subdivision, specifically Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 14 of 16 11. Broadened Notice Of Occurrence Paragraph a. of Condition 2. Duties In The Event Of Occurrence, Offense, Claim Or Suit under Section IV - Com- mercial General Liability Conditions is replaced by the following: a. You must see to it that we are notified as soon as practicable of an "occur- rence" or an offense which may result in a claim. To the extent possible, no- tioe should include: (1) How, when and where the "oc- currenoe" or offense took place; (2) The names and addresses of any injured persons and wit- nesses; and (3) The nature and location of any injury or damage arising out of the "occurrence" or offense. This requirement applies only when the "occurrence" or offense is known to any insured listed under Paragraph 1. of Section II - Who Is An Insured or any "employee" authorized by you to give or receive notice of an "occur- rence" or offense. 12. Nonowned Aircraft The following is added to Exclusion 2.g. Aircraft, Auto Or Watercraft under Sec- tion I - Coverage A - Bodily Injury And Property Damage Liability: This exclusion does not apply to an air- craft you do not own, provided that: a. The pilot in command holds a current effective certificate, issued by a duly constituted authority of the United States of America or Canada, desig- nating that person as a commercial or airline transport pilot; b. The aircraft is rented with a trained, paid crew; and c. The aircraft does not transport per- sons or cargo for a charge. 13. Bodily Injury Redefined Section V - Definitions, 3. "Bodily injury' is replaced by the following: 3. "Bodily injury" means bodily harm or injury, sickness, disease, disability, humiliation, shock, fright, mental an- guish or mental injury, including care, loss of services or death resulting from any of these at any time. 14. Expected Or Intended Injury Redefined The last sentence of Exclusion 2.a. Ex- pected Or Intended Injury under Sec- tion 1 - Coverage A - Bodily Injury And Property Damage Liability is replaced by the following: This exclusion does not apply to 'bodily injury' or "property damage" resulting from the use of reasonable force to protect per- sons or property. 15. Former Employees As Insureds The following is added to Paragraph 2. under Section II -Who Is An Insured: 2. Each of the following is also an in- sured: Any of your former "employees", di- rectors, managers, members, part- ners or "executive officers", including but not limited to retired, disabled or those on leave of absence, but only for acts within the scope of their em- ployment by you or for duties related to the conduct of your business. Includes copyrighted material of Insurance GA 210 OR 06 23 Services Office, Inc., with its permission. Page 16 of 16 b. By way of an edition of an ISO addi- tional insured endorsement that in- cludes arising out of your ongoing operations or arising out of 'your work' then the phrase caused, in whole or in part, by in Paragraph A.1.a. and/or Para- graph A.1.b. above, whichever applies, is replaced by the phrase arising out of. 3. With respect to the insurance afforded to the additional insureds described in Para- graph A.1., the following additional exclu- sion applies: This insurance does not apply to "bodily injury", "property damage" or "personal and advertising injury" arising out of the rendering of, or the failure to render, any professional architectural, engineering or surveying services, including: a. The preparing, approving or failing to prepare or approve, maps, shop drawings, opinions, reports, surveys, field orders, change orders or draw- ings and specifications; or b. Supervisory, inspection, architectural or engineering activities. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision, hir- ing, employment, training or monitoring of others by that insured, if the "occurrence" which caused the "bodily injury" or "prop- erty damage", or the offense which caused the "personal and advertising inju- ry", involved the rendering of, or the fail- ure to render, any professional architec- tural, engineering or surveying services. 4. This Paragraph A. does not apply to addi- tional insureds described in Paragraph B. B. Additional Insured -State Or Governmental Agency Or Subdivision Or Political Subdi- vision - Automatic Status When Required In Written Permits Or Authorizations 1. Section II - Who Is An Insured is amended to include as an additional in- sured any state or governmental agency or subdivision or political subdivision you have agreed in writing in a permit or au- thorization to add as an additional insured on this Coverage Part. Such state or gov- ernmental agency or subdivision or politi- cal subdivision is an additional insured only with respect to operations performed by you or on your behalf for which the state or governmental agency or subdivi- sion or political subdivision has issued, in writing, a permit or authorization, 2. With respect to the insurance afforded to the additional insureds described in Para- graph 13.1., the following additional exclu- sions apply: This insurance does not apply to: a. "Bodily injury' "property damage" or "personal and advertising injury" aris- ing out of operations performed for the federal government, state or mu- nicipality; or b. "Bodily injury' or "property damage" included within the "products - completed operations hazard." C. The insurance afforded to additional insureds described in Paragraphs A. and B.: 1. Only applies to the extent permitted by law; and 2. Will not be broader than that which you are required by the written contract, writ- ten agreement, written permit or written authorization to provide for such addition- al insured; and 3. Does not apply to any person, organiza- tion, state, governmental agency or sub- division or political subdivision specifically named as an additional insured for the same project in the schedule of an en- dorsement added to this Coverage Part. D. With respect to the insurance afforded to the additional insureds described in Paragraphs A. and B., the following is added to Section III - Limits Of Insurance: The most we will pay on behalf of the addi- tional insured is the amount of insurance: 1. Required by the written contract, written agreement, written permit or written au- thorization described in Paragraphs A. and B. For the purpose of determining the required amount of insurance only, we will include the minimum amount of any Um- brella Liability or Excess Liability cover- age required for that additional insured in that written contract, written agreement, written permit or written authorization, or 2, Available under the applicable limits of in- surance; whichever is less. This endorsement shall not increase the appli- cable limits of insurance. E. Section IV - Commercial General Liability Conditions is amended to add the following: Automatic Additional Insured Provision Includes copyrighted material of Insurance GA 472 05 20 Services Office, Inc., with its permission. Page 2 of 3 COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED - OWNERS, LESSEES OR CONTRACTORS - AUTOMATIC STATUS WHEN REQUIRED IN CONSTRUCTION AGREEMENT WITH YOU - COMPLETED OPERATIONS ONLY This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A. SECTION II - WHO IS AN INSURED is amended to include as an additional insured any person or organization when you and such person or organization have agreed in writing in a contract or agreement that such person or organization be added as an additional insured on your policy, but only with respect to "bodily injury", "property damage" or "personal and advertising injury" caused, In whole or in part, by `your work" performed for the additional in- sured and included in the "products -completed operations hazard". If not specified otherwise in the written con- tract or agreement, a person's or organize- tion's status as an additional insured under this endorsement ends one year after your opera- tions for that additional insured are completed. The written contract or agreement must be currently in effect or become effective during the term of this Coverage Part. The contract or agreement must be executed prior to the "bodily injury", "property damage" or "personal and advertising injury" to which this endorse- ment pertains. However: 1. The insurance afforded to such additional insured only applies to the extent permit- ted by law, and 2. If coverage provided to the additional in- sured is required by a contract or agree- ment, the insurance afforded to such ad- ditional insured will not be broader than that which you are required by the con- tract or agreement to provide for such ad- ditional insured. B. With respect to the insurance afforded to these additional insureds, the following addi- tional exclusions apply: This insurance does not apply to: 1. "Bodily injury", "property damage" or "per- sonal and advertising injury" arising out of the rendering of, or the failure to render, any professional architecturai, engineer- ing or surveying services, including: a. The preparing, approving, or failing to prepare or approve, maps, shop drawings, opinions, reports, surveys, field orders, change orders or draw- ings and specifications; or b, Supervisory, inspection, architectural or engineering activities. 2. "Bodily injury" or "property damage" aris- ing out of 'your work" for which a consoli- dated (wrap-up) insurance program has been provided by the prime contrac- tor/project manager or owner of the con- struction project in which you are involved. 3. "Bodily injury", "property damage" or "per- sonal and advertising injury` to any em- ployee of you or to any obligation of the additional insured to indemnify another because of damages arising out of such injury. 4. "Bodily injury", "property damage" or "per- sonal and advertising injury' for which the Named Insured is afforded no coverage under this policy of insurance. C. With respect to the insurance afforded to these additional insureds, SECTION III - LIM- ITS OF INSURANCE is amended to include: The limits applicable to the additional insured are those specified in the written contract or agreement or in the Declarations of this Cov- erage Part, whichever is less. If no limits are includes copyrighted material of ISO CSIA405(08109)-A- Properties, Inc., with its permission. page 1 of 2