HomeMy WebLinkAboutInsurance Certificate: Selectron Technologies, Inc. DATE(MMIDDIYYYY)
AC R" CERTIFICATE OF LIABILITY INSURANCE 01130t2026
THIS CERTIFICATEOF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. IS
CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND,EXTEND OR ALTER HE 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 cer tif ica t—eh ol der 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 endNTACem nth Sleeves
NAME: FAX
PRODUCER (AIC,No):
Trucordia Insurance Services,LLC A/C E-MAILExt
IL Certs.10095@Trucordia.com
Trucordia Ins Svs,LLC DBA: ADDRESS:
INSURER NAIC#S)AFFORDING COVERAGE 11040
INSURERA:
7150 SW Hampton St.Suite 140 OR 97223 Sentinel Insurance Company,Ltd
Tigard Hartford Accident and Indemnity Company 22357
INSURED INSURER B: 00914
Selection Technologies,Inc.
INSURER C: The Hartford Rated by Multiple Companies
Selectron Enterprise Services LLC INSURER D
13535 SW 72nd Ave Ste 200 INSURER E:
Portland OR 97223 INSURER F
CERTIFICATE NUMBER: 26/27 GL BA CYB UMB WC RE
COVERAGESVISION NUMBER:
CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PER
IUU
THIS IS TO
I REQUIREMENT, OD A O DOCUMENT
WITH RESPECT O
YITSTAN O RBEDHEREN is SUBJECT TO ALL THE TERMS,
CERTIFICATE M WHICH THIS
AY D OR MAY PERTAIN, INSURANCE AFFORDED BY
EXCLUSIONS AND CONDITIONS OF SUCH POLICIES.LIMITS SHOWN MAY HAVE BEEN REDUCEDDB i PAID CLAIMS.POLICY EXP LIMITS
POLICY NUMBER MMIDDIYYYY MMIDDIYYYY 1,000,000
INSR TYPE OF INSURANCE INSD WVD EACH OCCURRENCE $
LTR —'—
X COMMERCIAL GENERAL LIABILITY DAMA T RENTED 1,000,000
PREMISES Ea occurrence $_
CLAIMS-MADE � MED EXP(Anyone person) $OCCUR 10,000
11000,000
A
Y 52SBAAF5779 01/31/2026 01131/2027 PERSONAL&ADV INJURY $
2,000,000
GENERAL AGGREGATE $
GEN'LAGGREGATE LIMIT APPLIES PER: 2,000,1'0"
PRODUCTS-COMP/OP AGG $
X POLICY JECT LOD
PRO $
COMBINED SINGLE LIMIT $ 1,000,000
OTHER: Ea accident --
AUTOMOBILE LIABILITY BODILY INJURY(Per person) $
X ANY AUTO 01/31/2026 01/31/2027 BODILY INJURY(Per accident) $
B OWNED AUTSCHEDULED 52UECPT5600 PROPERTY DAMAGE $
AUTOS ONLY ANON-OWNED
Per accident
HIRED $
AUTOS ONLY AUTOS ONLY
EACH OCCURRENCE $
5,000,000
X UMBRELLALIAB X OCCUR 52SBAAF5779 AGGREGATE 01/31/2026 01131/2027 $ 51000,000
_
A EXCESS LIAB CLAIMS-MADE $
DED X RETENTION$ 10,000 X PER OTH-
STATUTE ER
WORKERS COMPENSATION 1,000,000
AND EMPLOYERS'LIABILITY YIN 01131/2026 01(3112027 E.L.EACH ACCIDENT $
ANY PROPRIETORtPARTNERIEXECUTIVE NIA 52WBCG13039 1,000,000
C OFFICERlMEMBER EXCLUDED? E.L.DISEASE-EA EMPLOYEE $
(Mandatory in NH) E.L.DISEASE-POLICY LIMIT $
1,000,000
If yes,describe t
under 2,000,000
DESCRIPTION OF OPERATIONS below Each Wrongful ac
Professional Liability,Data Privacy, 52SBAAF5779 01131/2026 01/3112027 Aggregate limit
2,000,000
A Network Security Liability-claims made Retro date 1/14/2014
DESCRIPTION OF OPERATIONS i LOCATIONS I VEHICLES (ACORD 101,Additional Remarks Schedule,maybe attached if more space is required)
Certificate holder is named as additional insured provided this is required by prior written contract per the attached endorsement.
CANCELLATION
CERTIFIGATE HOLDER
SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE
THE EXPIRATION DATE THEREOF,NOTICE WILL BE DELIVERED IN
ACCORDANCE WITH THE POLICY PROVISIONS.
City of Ashland
20 E Main Street AUTHORIZED REPRESENTATIVE
Ashland OR 97520 �
@ 1988-2015 ACORD CORPORATION. All rights reserved.
ACORD 25(2016/03) The ACORD name and logo are registered marks of ACORD
POLICY NUMBER: 52 SBA AF5779
A
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
ADDITIONAL INSURED - PERSON-ORGANIZATION
THE CITY OF ATLANTA
68 MITCHELL ST
ATLANTA, GA 30303
CITY OF AMARILLO
ATTN: PURCHASING DEPARTMENT
P 0 BOX 1971
AMARILLO, TX 79135
CITY OF NOVATO
75 ROWLAND WAY #200
NOVATO, CA 94945-5054
CITY OF OCEANSIDE
300 NORTH COAST HWY
OCEANSIDE, CA 92054
CITY OF PORTLAND
1120 SW 5TH AVE ROOM 750
PORTLAND, OR 97204
CITY OF SANTA ANA
RISK MANAGEMENT DIVISION, 4TH FLOOR
20 CIVIC CENTER PLAZA
SANTA ANA, CA 92701
COUNTY OF PLACER
C/0 EBIX BPO
P 0 BOX 257
PORTLAND, MI 48875
FULTON COUNTY GOVERNMENT DEPARTMENT OF PURCHASING & CONTRACT
COMPLIANCE
130 PEACHTREE STREET SW. SUITE 1168
ATLANTA, GA 30303-3459
PLACER COUNTY WATER AGENCY
P 0 BOX 6570
AUBURN, CA 95604
Form IH 12 00 11 85 T SEQ. NO. 003 Printed in U.S.A. Page 001
Process Date: 11/05/25 Expiration Date: 01/31/27
POLICY NUMBER: 52 SBA AF5779
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
ADDITIONAL INSURED - PERSON-ORGANIZATION
THE CITY OF ELK GROVE
ITS OFFICIALS, EMPLOYEES, AGENTS, AND VOLUNTEERS
PO BOX 20270
LONG BEACH CA 90801
CITY OF FRESNO
CIO ISD
2600 FRESNO ST. , ROOM 1059
FRESNO, CA 93721
CITY OF ASHLAND
20 EAST MAIN STREET
ASHLAND, OR 97520
Form IH 12 00 11 85 T SEQ. NO. 003 Printed in U.S.A. Page 002
Process Date: 11/05/25 Expiration Date: 01/31/27
POLICY NUMBER: 52 SBA AF5779
Aws,
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
ADDITIONAL INSURED - OWNERS, LESSEES OR CONTRACTOR
- SCHEDULED PERSON OR ORGANIZATION
LOC 001 BLDG 001
SALT LAKE CITY CORPORATION
PO BOX 145455
SALT LAKE CITY, UT 84114
RE: NUMBER OF JOB LOCATIONS 1
DESCRIPTION OF COMPLETED OPERATIONS 0
Form IH 12 00 11 85 T SEQ. NO. 004 Printed in U.S.A. Page 001
Process Date: 11/05/25 Expiration Date: 01/31/27
52SBAAF5779
QUICK REFERENCE
BUSINESS LIABILITY COVERAGE FORM
READ YOUR POLICY CAREFULLY
BUSINESS LIABILITY COVERAGE FORM Beginning on Page
A. COVERAGES I
Business Liability I
Medical Expenses 2
Coverage Extension -Supplementary Payments 2
B. EXCLUSIONS 3
C. WHO IS AN INSURED 10
D. LIABILITY AND MEDICAL EXPENSES
LIMITS OF INSURANCE 14
E. LIABILITY AND MEDICAL EXPENSES GENERAL CONDITIONS 15
1. Bankruptcy 15
2. Duties In The Event Of Occurrence, Offense, Claim Or Suit 15
3. Financial Responsibility Laws 16
4. Legal Action Against Us 16
5. Separation Of Insureds 16
6. Representations 16
7. Other Insurance 16
8. Transfer Of Rights Of Recovery Against Others To Us 17
F. OPTIONAL ADDITIONAL INSURED COVERAGES 18
Additional Insureds 18
G. LIABILITY AND MEDICAL EXPENSES DEFINITIONS 20
Form SS 00 08 04 05
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������un������� LIABILITY u ������ ��o�x~����� FORM
Various provisions in this policy restrict coverage. Read the entire policy carefully to determine hghts, duties and what
is and ia not covered.
Throughout this policy the words "you" and "your' refer to the Named Insured shown in the Declarations. The words
"we", "us" and "our" refer to the stock insurance company member of The Hartford providing this insurance.
The word "insured" means any person or organization qualifying as such under Section C. -VVho Is An Insured.
Other words and phrases that appear in quotation marks have special meaning. Refer to Section G. - Liability And
Medical Expenses Definitions,
A, COVERAGES (a) The "bodily injury" or "property
1. BUSINESS LIABILITY COVERAGE (BODILY "occurrence"
is caused by an
^oonurrenoe'. that takes place in the
INJURY, PROPERTY DAMAGE, PERSONAL .,coverage
covenage�o�itory"�
Insuring Agreement (b) The "bodily injury" or "property
damage" occurs during the policy
a. We will pay those sums that the insured period� and
becomes legally obligated to pay as
(o) Prior to the policy period, no insured
damages because of "bodily injury",' listed under Paragraph 1. of Section
"property domage'' or "personal and C. — Who Is An Insured and no
advertising injury" to which this insurance "employee" authorized by you togive
applies. We will have the right and duty to or receive notice of an "occurrence"
defend the insured against any "suit'
or claim, knew that the "bodily injury"
seeking those damages. Hovvever, vvevvi|| .
' or property damage" had oocurnad
have no duty to defend the insured against in whole or in part, If such a listed
--
any "suit" seeking damages for "bodily insured or authorized '�*mp|oy-�-
"
injury", "property damage" or "persona| and knew. prior to the policy period, --'
advertising injury" to which this insurance the "bodily injury" or "propedydoeenotopply damage"
occurnad, then any
We may, sd our discretion, investigate any continuadon, change or resumption
"ouounence" nr offense and settle any claim of such "bodily injury" or "property
or"auit' that may result. But damage' during or after the policy
1) The amount vvewill pay for damages is period will be deemed to have been
limited as described in Section O. known prior to the policy period.
Liability And Medical Expenses Limits (2) To "personal and advertising injury"
Of|nsunsnce-, and caused byan offense arising out ofyour
(2) Our h business,duty to defend ends . but u only if the offense
nse was
we have used up the applicable limit of committed in the "coverage territory"
insurance in the payment of judgments, during the policy period.
settlements or medical expenses to which u. "Bodily injury" or "property damage" will be
this insurance applies. deemed to have been known to have
No other obligation or liability to pay sums or occurred at the earliest time when any
perform acts or services is covered unless insured listed under Paragraph 1. ofSection
explicitly provided for under Coverage C. — VVho Is An Insured or any "employee"
Exbannion-Supp|omanbary Payments. authorized by you to give or receive notice
b. This insurance applies: ofan "oucurrence" orclaim:
(1) To "bodily injury" and 'property (1) Reports s all, or any pe�' of the "bodily
damage" only it injury" or "property damage" to us or any other insurer;
Form SSOOOOO4U5 Page 1nf24
@ 20U5. The Hartford
52SBAAF5779
BUSINESS LIABILITY COVERAGE FC]RK0
(2) Receives a written or verbal demand or b. We will make these payments regardless of
claim for damages because of the "bodily fault. These payments will not exceed the
injury"ur"property demaQe"; or applicable limit of insurance. We will pay
(3) Becomes aware by any other means that reasonable expenses for:
"bodily injury" or "property damage" has (1) First aid administered at the time of an
occurred or has begun b)occur. accident;
d. Damages because of "bodily injury" include (2) Necessary medioa|, surgioa|, x-ray and
damages claimed by any person or dental een/icos, including prosthetic
organization for care, loss of services or devices; and
death resulting at any time from the "bodily (3) Necessary ambulance, hospital,
injury". professional nursing and funeral
a. Incidental Medical Malpractice services.
(1) "Bodily injury" arising out of the 3. COVERAGE EXTENSION -
rendering of or failure to render SUPPLEMENTARY PAYMENTS
professional health care aen/ioos as o a. We will pay, with respect to any claim or
physician, dentist, nurse. emergency "suit" we investigate or sett|e, or any "suit'
medical technician or paramedic shall against an insured wedefend:
be deemed to be caused by an
"occurnsnce". but only if: (1) All expenses v/eincur.
(a) The physician, dentist, nurse, (2) Up to $1.000 for the cost ofbail bonds
emergency medical technician or required because of accidents or traffic
paramedic is employed by you to law violations arising out of the use of
provide such services; and any vehicle to which Business Liability
(�overagefor"bodily injury" applies. We
You are not engaged in the do not have to furnish these bonds.
business or occupation of providing
such services. (3) The cost of appeal bonds or bonds to
release attachments, but only for bond
(2) For the purpose of determining the amounts within the applicable limit of
limits of insurance for incidental medical insurance. We do not have to furnish
nna|pnaotioo, any act or omission these bonds.
together with all related ads or
omissions in the furnishing of these (4) All reasonable expenses incurred by the
services to any one person will be insuredotourrequ�sttoassio�uainthe
considened nne''oocurrenue" investigation ur defense of the claim or
"suiC', including actual |oaa of earnings
3. MEDICAL EXPENSES up to $500 a day because of time off
Insuring Agreement from work.
a. We will pay medical expenses asdescribed (5) All costs taxed against the insured in
below for "bodily injury" caused by on the "suit".
accident: (6) Prejudgment interest awarded against
(1) On premises you own or rent; the insured on that pad of the judgment
(2) On ways next to premises you own or we pay. If we make an offer to pay the
rent or applicable limit nfinsurance, we will not
'(3) Because of your operadons pay prejudgment intenaetbosedon
' that period of time after the offer.
provided that (7) All inb*naot on the full amount of any
(1) The accident takes place in the judgment that accrues after entry of the
"coverage territory" and during the judgment and before we have poid,
policy period; offered to pay' or deposited in court the
(2) The expenses are incurred and reported Pad of the judgment that is within the
to us within three years of the date of applicable limit ofinsurance.
the accident; and Any amounts paid under (1) through (7)
(3) The injured person submits to above will not reduce the limits ofinsurance.
examination, at our expenee, by
physicians of our choice as often aavve
reasonably require.
Page 2uf24 Form SSOD0QO4O5
52SBAAF5770 BUSINESS LIABILITY COVERAGE FORM
b. If we defend on insured against a "suit" So long as the above conditions are met,
and an indemnitee of the insured is also attorneys' fees incurred by us in the
named as a party to the "suit', we will defense of that indemnitae, necessary
defend that indemnitee if all of the litigation expenses incurred by us and
following conditions are met: necessary litigation expenses incurred
(1) The "suit' against the indemnitee by the indemnitee at our request will be
seeks damages for which the insured paid as Supplementary Payments.
has assumed the liability of the Notwithstanding the provisions of
indemnitee in o contract oragreement Paragraph 1'b.(b) of Section B. —
that is an "insured contract"; Exclusions, such payments will not be
(2) This insurance applies b/ such liability deemed to be damages for "bodily
y
assumed by the insured; injury" and "property damage" and will
(3) The obligation to defend, or the cost of not reduce the Limits ofInsurance.
the defense of, that indemnitee. has Our obligation to defend on insuned's
also been oeeunned by the insured in indemnitee and to pay for attorneys' fees
the same "insured contnaoC'; and necessary litigation expenses as
(4) The allegations in the "suit" and the Supplementary Payments ends when:
information we know about the (1) We have used up the applicable limit
"occurrence" are such that noconflict of insurance in the payment of
appears to exist between the interests judgments or settlements; or
of the insured and the interest of the (2) The conditions set forth abnve, or the
indemnitee; terms of the agreement described in
(5) The indemnitee and the insured ask Paragraph (G)above, are no longer met.
usto conduct and control the defense B. EXCLUSIONS
of that indemnitee against such "suit'
and agree that we can assign the 1. Applicable To Business Liability Coverage
same counsel to defend the insured This insurance does not apply to:
and the indemnitee- and a. Expected C>r Intended Injury
(G) The indemnitee: (1) "Bodily injury" or "property damage"
(a) Agrees in writing to� expected or intended from the
standpoint of the insured. This
(i) Cooperate with us in the
invuotigadon, settlement or exclusion does not apply to "bodily
defense of the"euiy` injury" or "property damage" resulting
' from the use of reasonable force to
(ii) Immediately send us copies of protect persons or property; or
any demands, notices, (3) "Personal and advertising injury" arising
summonses or |eOe| papers
received in connection with out ofan offense committed by, at the
direction of or with the consent or
the"suit";
' acquiescence of the insured with the
(iii) Notify any other insurer whose expectation of inflicting "personal and
coverage is available to the advertising injury".
indemniteeond
' b. Contractual Liability
(iv) Cooperate with us with
respect to coordinating other (1) "Bodily injury"or"propertydamage,'; or
applicable insurance available (2) "Personal and advertising injury"
to the indemnitee; and for which the insured is obligated to pay
(b) Provides us with written damages by reason of the assumption of
authorization to: liability ine contract oragreement.
(i) Obtain records and other This exclusion does not apply to liability
information related to the for damages because ot
"suit' end
. (a) "Bodily in]ur/'. "property damage"or
(i7) Conduct and oonbn| the "9amona|and advertising injury"that
defense of the indemnitee in the insured would have in the
such "suit'. absence of the contract or
agreement; or
Form SSOOO8O4US Page 3nf24
BUSINESS LIABILITY COVERAGE FORM 52SBAAF5779
(b) "Bodily injury" or"property damage" (b) Performing duties related to the
assumed ina contract or agreement conduct of the inaun*d'o business, or
that in an "insured contract", (2) The opouoe, ohi|d, parent, brother or
provided the "bodily injury" or oinbar of that "employee" as o
"property damage" occurs consequence of(1) above.
subsequent to the execution of the This exclusion applies:
contract or agreement. Solely for
the purpose of liability assumed in (1) Whether the insured may be liable as
an "insured oontnanY', reasonable on employer nrin any other capacity;
attorneys'rneye' fees and necessary and
litigation expenses incurred bvorfor (2) To any obligation to share damages
e party other than an insured are with or repay someone else who must
deemed to be damages because of pay damages because of the injury.
"bodily injury" or "property damage" This exclusion does not apply to liability
provided: assumed by the insured under an "insured
(i) Liability to such party for, or for oontraot'
the cost of, Uletparty's defense t Pollution
has also been assumed in the , ,
same"insured oonbuct'. and (1) "Bodily injury", "property damage or
"personal and advertising injury"
(i\) Such attorneys' fees and arising out of the actual, alleged or
litigation expenses are for threatened disoharge, dispersal,
defense of that party against seepage, nnignation, release or escape
civil or alternative dispute of"pollutants":
resolution proceeding in which
damages to which this (a) At or from any premises, site or
location which is or was at any
insurance applies are alleged.
time owned or occupied by, or
n. Liquor Liability ranted or loaned to any insured.
"Bodily injury" or "property damage" for Hovvever, this subparagraph does
which any insured may be held liable by not apply to:
reason of: (i) "Bodily injury" if sustained within
(1) Causing or contributing to the a building and caused by
intoxication of any person; smoke, fumes, vapor or soot
(2) The furnishing of alcoholic beverages to produced by or originating from
a person under the legal drinking age or equipment that is used to heat,
under the influence of alcohol; or cool or dehumidify the building,
or equipment that is used to
(3) Any statute ordinance or regulation' heat water for personal use, by
relating to the eo|e, gift' distribution or the building's occupants or their
use of alcoholic beverages. guests�
This exclusion applies only if you are in the (ii) "Bodily injury"
or "property
business of manufacturing, distributing,
damage" for which you may be
aaUinQ, serving or furnishing alcoholic held |iab|e, if you are a
beverages. contractor and the owner or
d. Workers' Compensation And Similar lessee of such premises, site or
Laws location has been added toyour
Any obligation of the insured under o policy as an additional insured
workers' uompansat1on, disability benefits with respect to your ongoing
or unemployment compensation law or operations performed for that
any similar law. additional insured at that
m. Employer's Liability Premisea, site or location and
"Bodily injury" to: such premisem, site or location
is not and never was owned or
(1) An "employee" of the insured arising occupied bv, or rented or
out of and in the course ot ^
loaned to, any insured' other
(a) Employment by the insured; or than that additional insured; or
Page 4of24 Form 88OMOOO4O5
52SBAAF5779 BUSINESS LIABILITY COVERAGE FORM
(iii) "Bodily injury" or "property released as part of the
damage" arising out of heat, operations being performed
smoke or fumes from o by such insured. contractor or
"hostile fine"; subcontractor;
(b) At or from any pnomioes, site or (ii) "Bodily injury" or "property
location which is or was at any damage" sustained within a
time used by or for any insured or building and caused by the
others for the hond|ing, atonago, ndaaae of gooea, fumes or
dispose|, processing or treatment vapors from materials brought
of waste; into that building in connection
(c) Which one or were at any time with operations being performed
tnansported, hand|ed, etonad, by you or on your behalf by a
tnaated, disposed of, or processed contractor or subcontractor; or
as waste byorfor: (iii) "Bodi|y injury" or "property
(i) Any insured; or damage" arising out of heat,
(ii) Any person or fumes from aon ororganizationfor ..
hosti|e�re" or
whom you may be legally '
responsible; (a) At or from any pnarnisem, site or
(d) At or from any pnamiees
location onvvhioh any insured orany
site or
'location on which any insured or contractors or subcontractors
working directly or indirectly on any
any contractors or subcontractors
inaured'� behalf are performing
directly or indirectly on
any innured's behalf are operations if the operations are to
test for, moni�r, dean up' remove,
performing operations if the ' ' '
, treat, detoxify or neutralize,
"pollutants" oonbain are brought on or to ' ' '
the pnsmieoa' site or location in or in any way respond to, or assess
connection with such operations the efeo�n� "pollutants".
by such insunad, contractor or (2) Any |ons, cost or expense arising out
subcontractor. Hovvever, this of any:
subparagraph does not apply to: (a) Request, demand, order or statutory
(i) "Bodily injury" o/ "property or regulatory requirement that any
damage" arising out of the insured or others test for, monitor,
escape of fuels, lubricants or clean up, remove, contain, treot,
other operating fluids which are detoxify nr neutralize, orin any way
needed to perform the normal respond to, or assess the effects of,
electrical, hydraulic or ''pollutants"; or
mechanical functions (b) Claim or suit by or on behalf of a
necessary for the operation of governmental authority for
"mobile equipmont' or its parts, damages because of testing for,
if such fuels, lubricants or other monitoring, cleaning up, removing,
operating fluids escape from a onntaining, treadng, detoxifying or
vehicle part designed to ho|d, neutra|izing, or in any vvoy
store or receive them. This responding to, or assessing the
exception does not apply if the effects of, "pollutants".
"bodily injury" or "property Hovvever, this paragraph does not
damage" arises out of the apply to liability for damages because
intentional diucha/ge, dispersal of "property damage" that the insured
or release of the fuels, would have in the absence of such
lubricants or other operating requost, demand, order orstatutory or
fluids or if much fuels,' regulatory requirement, or such claim
lubricants or other operating or "suit. by or on behalf of a
fluids are brought on or to the governmental authority.
pnemioes, site or location with
the intent that they be
disoharged, dispersed or
Form SSO0O80405 Page 5mf 24
BUSINESS LIABILITY COVERAGE FORM 52SBAAF5770
g' Aircraft,Auto OrWatercraft (2) The use of "mobile equipment' in, or
while in practice or preparation for. a
"Bodily injury.' or "property damage'' arising while
racing, speed or
out of the ownership, maintenance, use or demolition contest or in any stunting
entrustment to others of any aircraft, "auto"or watercraft owned or operated byorrented activity.
or loaned to any insured. Use includes \. VVmr
operation and"loading orun|ooding" "Bodily injury", "property damage" or
This exclusion applies even if the claims "personal and advertising injury", however
against any insured o||age negligence or caused, arising, directly or indirectly, out of:
other wrongdoing in the supervision, hiring, (1) VVar, including undeclared or civil war;
employment, training or monitoring »fothers (2) Warlike action by a military force,
"occurrence"by that insurad, if the "occurrence" which including action in hindering or
caused the "bodily injury" or "property defending against an actual or
damage' involved the ow»ership, expected attack, by any government,
maintenance, use or entrustment to others nf sovereign or other authority using
any aircraft, "auto" or watercraft that is military personnel or other agents; or
owned or operated byorrented or loaned tn
anyinsured� (3\ |nsurnyntiun, rebellion, nevo|utinn,
usurped povver, or action taken by
This exclusion does not apply to: governmental authority in hindering or
(1) A watercraft while ashore on premises defending against any of these.
you own orrent Professional � i
' j. Services
(2) A watercraft you du not own that is: "Bodily injury", ''property damage" or
(m) Less than 51 feet long; and "personal and advertising injury" arising
out of the rendering of or failure to render
(b) Not being used to carry P�roo»o professional service.for echarge; any pro . This includes
but is not limited to:
(3) Parking on "oubƒ' on. or on the ways (1> Le
gcd accounting or advertising
to, premises you own or rent, .
provided the "auto" is not owned by or services;
rented or loaned to you or the insured; (2) prepahng, oppnoving, or failing to
(4) Liability assumed under any "insured prepare or approve mops, shop
contract" for the ownership, drawings, opinions, n*pnrts, sumeys,
maintenance or use of aircraft or field orders, change ondem, designs or
watercraft; drawings and specifications;
(E) "Bodily injury" or "property damage" (3) Supervisory, inspection, architectural
arising out of the operation of any of or engineering activities;
the equipment listed in Paregnephf.(3) (4) Medica|, aurgica|, denta|, x-ray or
or t(3) of the definition of "mobile nursing services tneatmant, advice or
equipment"; or instruction;
(G) An aircraft that is not owned by any (5) Any health or therapeutic service
� insured and is hired, chartered orloaned treatment, advice orinstruction;
with a paid crew. However, this (G\ Any service, traatment, advice or
exception does not apply if the insured ' instruction for the purpose of
has any other insurance for such "bodily appearance orskin enhanoement, hair
injury" or "property damage�% whether removal or replacement or personal
the other insurance in phmary, oxnesn, grooming;
contingent oron any other basis. (7) Optical or hearing aid services
h. 01ub(|a Equipment including the prescribing, preparation,
"Bodily injury" or "property damage" fitting, demonstration or distribution of
arising out of: ophthalmic lenses and similar
(1) The transportation of"mobile equipment' products or hearing aid devices;
by on "auto" owned or operated by or
rented or loaned to any insured;or
Page 6of24 FormSS 0008 0405
53SB/V\F5779 BUSINESS LIABILITY COVERAGE FORM
(D) Optometry or optometric services Paragraphs (1). (3) and (4) of this
including but not limited to examination exclusion do not apply to "property
of the eyes and the prescribing, damage" (other than damage by fine) to
preparation, fitting,demonstration or prenoioes, including the contents of such
distribution of ophthalmic lenses and premises, rented to you for a period of7or
similar products; fewer consecutive days. Asepanata Limit
(9) Any: of Insurance applies to Damage To
Premises Rented To You described i
(a) 8ndy piercing (not including ear asn
piercing),- Section D. Limits Of Insurance.
(b) TaUooing, including but not limited panaQ»oPh (2) of this exclusion does not
to the insertion of pigments into or aPP|Y if the premises are "your vvorW' and
under the skin; and were never ocoupied, rented or held for
you.
(o) Similar services; rental b'v
Paragraphs (3) and (4) of this exclusion do
(10) Gen/ices in the practice of pharmacy; not apply ho the use ofelevators.
and
Paragraphs (%) (4) (5) and (G) of this
(11) Computer coneu|ting, design or exclusion do no' apply to liability assumed
programming sen/ioes, including web under sidetrack agreement.
site design. ' "�- �
Paragraphs (3) and (4)of this exclusion do
Paragraphs (4) and (S) of this exclusion do not apply to "property damage" to
not apply to the Incidental Medical borrowed equipment
—quipmentvvhi|e not being used
Malpractice coverage afforded under to perform - �
operations at job site.
Paragraph 1.a. in Section A. -Coverages.
Paragraph (G) of this exclusion does not
k. Damage To Property apply to "property damage" included in the
"Property damage" to: "prod udo-oomp|obad operations hazard"
(1) Property you own, rent or occupy. |' Damage To Your Product
including any coats or expenses "Property damage" to "your product'
incurred by you, or any other person, arising out ofitor any part ofit
organization or ontity, for nspeir, �
replacement, enhancement,restoration or maintenance of such "Property damage" to 'your vvodk' arising
property for any reoson, including out of it or any part ofitand included in the
prevention of injury to o person or "prod uuts-oomp|eted operations hazard"
damage to annther'o property; This exclusion does not apply if the
(2) Premises you se||, give away or damaged work or the work out of which
abandon, if the"property damage"ahaoa the damage arises was performed on your
out of any part of those premises; behalf byasubcontractor.
(3) Property loaned to you; n, Damage To Impaired Property Or
(4) Personal property in the oere, custody Property Not Physically Injured
or control of the insured; ''property damage" to "impaired property"
(5) That particular part ofreal property on or property that has not been physically
which you or any contractors or injured, arising out of:
subcontractors working directly or (1) A defeot, defioienoy, inadequacy or
indirectly on your behalf are performing dangerous condition in "your product"
openadons, if the "property damage" or"your vvork'; or
arises out of those operations; or (2) A delay or failure by you or anyone
(6) That particular part of any property acting on your behalf to perform a
that must be reshonad, repaired or contract or agreement in accordance
replaced because "your work" was with its b»rms
incorrectly performed on it. This exclusion does not apply to the loss
of use of other property arising out of
sudden and accidental physical injury to
"your product" or "your vvorK' after it has
been put toits intended use.
Form SSOOODO4OS
Page 7of24
BUSINESS LIABILITY COVERAGE FORM 52SBAAF5779
o- Recall 0f Products, Work OrImpaired (c) Title of any literary or artistic work;
Property (8) Arising out ofan offense committed by
Damages claimed for any |oso, cost or an insured whose business is:
expense incurred by you or others for the (a) Advertising, broadcasting,
loss of use, vvithdnavva|, naca||, inspection, publishing or telecasting;
pepoir, replacement, adjustment, nan«»«o| (b) Designing or determining content
or disposal ot of web sites for others; nr
(1) "Your product"; (c) An Internet search, access,
(2) "Your vvorK'; or content or service provider.
(3) "Impaired property"; Ho»vever, this exclusion does not
if such product' work or property is apply to Paragraphs a., b. and o.
withdrawn or recalled from the market or under the definition of "personal and
from use by any person or organization advertising injury" in Section G. —
because of known or suspected defect, Liability And Medical Expenses
defioienoy, inadequacy or dangerous Definitions.
condition init. For the purposes of this exclusion,
p. Personal And Advertising Injury placing an "advertisement" for or
"Personal and advertising injury":� linking to others on your web site, by
itself, is not considered the business
(1) Arising out of oral, written or electronic of advertising, broadcaeting.
publication ofmaterial, if done byorat pub|i�hingorte|eoaeting�
the direction of the insured with
knowledge of its falsity; (9) Arising out of an electronic chat room
or bulletin board the insured hosts.
(2) Arising out oforal, written or electronic owns, or over which the insured
publication of nnuhsrio| whose first exercises control;
publication hook place before the (1O> ArisinO out of the unauthorized use of
'beginning of the policy period;
another's name or product in your e-mail
(3) Arising out of criminal act committed eddnaso, domain name or metotags, or
byorat the direction of the insured; any other similar tactics to mislead
(4) Arising out ofany breach of contract, another'a potential customers;
except an implied contract to use (11) Arioing out of the violation of a
another'a "advertising idea" in your person's right of privacy created by
"advertisement"; onyo baheorfedena| act.
(5) Arising out of the failure of goods, However, this exclusion does not
products or services to conform with apply to liability for damages that the
any statement of quality or insured would have in the absence of
performance made in your such state nr federal act;
"advertisement";
(12) Arising out of:
/G) Arising out of the vvrong description of
' the price of goods, produ�oorservices; (e\ An "advertisement' for others on
your web site;
(7) Arising out of any violation of any (b) Placing a link to o web site of
intellectual property rights such as
copyright, patent, trademark, trade
otheraonyourvveb�ihs�
name' trade necret, oan/ioe mark or (c) Content from aweb site of others
other designation of origin or displayed within o frame or border
authenticity. on your web site. Content includes
information, code sounds hext
However, this exclusion does not ' ' ' '
' im
ages; or
apply to infringemont, in your graphics
"advertioennenY'. of (d) Computer uode, software or
(a) Copyright; programming used toenab|e�
�
(b) S|ogan, unless the slogan in also (i) Your web site; or
otrodomark. trade name, aen/ima (ii) The presentation orfunctionality
mark or other designation of origin of on "advertisement' or other
orauthenticity� o/ content on your web site;
Pm0e8of24 Form 8S0UOOO4OS
52SB&AF5779 BUSINESS LIABILITY COVERAGE FORM
(13) Ahning out of violation of any and- (a) yWoy be awarded or incurred by
trust law;
. reason of any claim or suit
(14) Arising out of the fluctuation inpriceur alleging actual or threatened injury
value of any atocks, bonds or other nr damage of any nature or kind to
securities; or persons or property which would
not have occurred in whole or in
(15) Arising out of discrimination or
humiliation committed by or at the part but for the"asbestos hozard'';
direction of any "executive officer'. (b) Arise out ofany request, demond,
direotor, stoohho|der, partner or order or statutory or regulatory
member of the insured. requirement that any insured or
q. Electronic Data others test for, monihmr, clean up,
nemova, encapsulate, contain
Damages arising out of the loss of, loss of treat, detoxify or neutralize or in
`
use of, damage to, corruption of, inability any way respond to or assess the
to aucess, or inability to manipulate effects
"electronic data". '
(n) Arise out of any claim or suit for
r. Employment-Related Practices damages because of testing for,
"Bodily injury" or"pemona| andodvertiaing monitohng, cleaning up, removing,
injury" to: enoepeu|odng, containing, treating,
(1) A person arising out ofany: detoxifying or neutralizing or in any
(a) Refusal to employ that penson vs�-' responding to or assessing the
'
' effects ofon"asbestos hozond"
(b) Termination of that pereon'o t. Violation Of Statutes That Govern E-
emp|oyment; or Mails, Fax, Phone Calls Or Other
(o) Employment-related practices, Methods Of Sending Material Or
po|ioies, acts or omissions, such as Information
coercion, demotion, evaluation,
' ' "Bodily injury". "property dammge", or
reassignment, discipline, "personal and advertising injury" arising
defamation harassment, humiliation
' ' directly or indirectly out of any action or
or discrimination directed at that
omission that violates or is alleged to
person;or violate:
(2) The spouse, child, parent, brother
' (1) The Telephone Consumer Protection
sister of that person as a Act (TCPA). including any amendment
consequence of "bodily injury" or oforaddi�ontosuoh |o��
"pemona| and advorhsinginjury" tothe '
person at whom any of the (2) The CAN-SpAyW Act of2003. including
employment-related practices any amendment ofnr addition hosuch
described in Paragraphs(a). (b). or(n) law-, or
above iodirected. (J) Any sbauha, ordinance or nagu|ation.
This exclusion applies: other than the TCPAorCAN-SpAK8Act
of 3003 that prohibits or limits the
(1) Whether the insured may be liable as sending, transmitting, communicating or
an employer or in any other capacity-, distribution of material orinhnrmetion
and �
Damage To Premises Ranted To You -
(2) To any obligation to shone damages Exception For Damage By Firm Lightning
vvithor repay someone else vvhomust or Explosion
'
pay damages because of the injury. Exclusions u. through b' and k' througho' do
a' Asbestos
not apply to damage by fin*. lightning or
(1) "Bodily injury", "property damage" or explosion to premises rented to you or
"personal and advertising injury" temporarily occupied by you with permission of
arising out of the"asbestos hazard" the owner. A separate Limit of Insurance
(2) Any damages, ]udQmunts, settlements, applies to this coverage as described in
loss, costs or expenses that: Section U. - Liability And Medical Expenses
Limits OfInsurance.
Form SSOOO8O4U5
Page 9of24
BUSINESS LIABILITY COVERAGE FORM 52SB/V\F5779
2. Applicable To Medical Expenses Coverage e. A huet, you are on insured. Your trustees
We will not pay expenses for"bodily injury":�ury": are also ineureds, but only with respect to
their duties antrustees.
m. Any Insured
To any insured,except"volunteer mmrkens" 2. Each of the following io also oninsured:
b. Hired Person a' Employees And Volunteer Workers
To a person hired todo work for oron behalf Your "volunteer workers" only while
of any insured ore tenant of any insured. performing duties related to the conduct of
your business' or your ^emp|oyees". other
c' Injury OnNormna||yOcnupiedpnmrnis*s than either your"executive officers" (if you
To o person injured on that part of are an organization other than o
pnanniaen you own or rent that the person partnership, joint venture or limited liability
normally occupies. company) or your managers (if you are o
d. Workers' Compensation And Similar limited liability company), but only for acts
Laws within the scope of their employment by
To o person
you or while performing duties related to
whether or not an
'"employee" of any insurad, if benefitstheconductofynurbusinesste for .
the "bodily injury" are payable nr must ba However, none of these "employees" or
provided under a workers' compensation "volunteer workers" are insureds for:
or disability benefits law ora similar law. (1) "Bodily injury" or "personal and
e. Athletics Activities advertising i jury":
To o person injured while practicing, (a) To you, to your partners or
instructing or participating in any physical members (if you are o partnership
exercises or gameo, apndo or athletic or joint venture)' to your members
contests. (if you one a limited liability
company), or to a co-"employee"
Prod u�s-Cnmp�ted oanv\'
Hazard ' ''
Operationsvvhi|o in the course of his or her
Included with the "produots-cornp|eted employment or performing duties
operations hazard". related to the conduct of your
Q. Business Liability Exclusions bus|nese, or to your other
Excluded under Business Liability Coverage. "volunteer workers" while
performing duties related to the
C. WHO IS AN INSURED conduct of your business;
Y. |f you are designated in the Declarations as: (b) To the spouse, child, parent,
a' An individua|, you and your spouse are brother or sister of that oo-
insureds, but only with respect to the "employee" or that "volunteer
conduct ofa business nf which you are the worker" as o consequence of
sole owner. Paragraph (1)(a)above;
b~ A partnership or joint venture, you are on (o) For which there is any obligation
insured. Your members, your partners, and to share damages with or repay
their spouses are also insureds, but only with someone else who must pay
respect to the conduct of your business. damages because of the injury
described in Paragraphs (1\(a) or
o A limited liability oompony, you ena �n' '
insured. Your members are also insureds, (b) above-' or
but only with respect tothe conduct nfyour (d) Arising out of his or her providing
business. Your managers are insunads, but or failing to provide professional
only with respect to their duties as your health care services.
managers. If you are not in the business of
d. An organization other than a partnomhip, providing professional health cans
joint venture or limited liability company, you nem1oeu. Paragraph (d) does not apply
are aninsured. Your"executive offioam"and to any nume, emergency medical
directors are ineuredo, but only with respect technician or paramedic employed by
to their duties as your officers or directors. you ho provide such services.
Your stockholders are also insureds, but only (2) "Property damage" toproperty:
with respect to their liability as stockholders. (a) Owned, occupied or used by,
Page 1Oof24 Form SSOOOQO485
52SBAAF5770 BUSINESS LIABILITY COVERAGE FORM
(b) Rented to, in the oena, custody or b. Coverage under this provision does not
control of, or over which physical apply to:
control is being exercised for any
(1) "Bodily injury" or "property damage"
purpose by you, any of your dhatocou ' or
"employees", "volunteer workers",
any partner ur member (if you are (2) "Personal and advertising injury"
a partnership or joint venhuo). or arising out ofon offense committed
any member (if you are alimited before you acquired or formed the
liability company). organization.
b. Rea( Estate Manager 4. Operator[)fMobile Equipment
Any person (other than your"emp|oyee" or With respect to "mobile equipment' registered in
"volunteer vvorker'), or any organization your name under any motor vehicle nsgiebodon
while acting as your real estate manager. |aw, any person is an insured while driving such
n. Temporary Custodians Of Your equipment along a public highway with your
Property permission. Any other person or organization
responsible for the conduct of such person is
Any person or organization having proper also an inoured, but only vvith respect to liability
temporaryuustodyofyourprope�yifyou arising out nf the opensUpnof the equipmentand
di�, buton|y� only ifno other insurance of any kind isavailable
(1) With respect to liability arising out ofthe to that person or organization for this liability.
maintenance or use of that propehY� and However, no person or organization iaoninsured
(2) Until your legal representative has with respect to:
been appointed. m. "Bodily injury" to m co-"employee" of the
d. Legal Representative !f You Die person driving the equipment� or
Your legal representative if you dia, but b. "Property damage" to property owned by,
only with respect to duties as such. That rented to, in the charge uforoccupied by
representative will have all your rights and you or the employer of any person who io
duties under this insurance. an insured under this provision.
e. Unnamed Subsidiary 5. Operator ofNonovvnadWatercraft
Any subsidiary and subsidiary thereof, of With respect to watercraft you do not own that
yours which is a |ega||y incorporated entity is less than 51 feet long and is not being used
of which you own a financial interest of to carry persons for a uharge, any person is on
more than 50Y6 of the voting stock on the insured while operating such watercraft with
effective date of this Coverage Part. your permission. Any other person or
The insurance afforded herein for any organization responsible for the conduct of
such person in also an insured, but only vvith
subsidiary not shown in the Declarations
as u named insured does not apply to respect to liability arising out of the operation
injury of the watercraft, and only if no other
ury or damage with respect to which on
�insured under this insurance is also an insurance of any kind is available to that
person or organization for this |iobi|ity.
insured under another policy or would be .
on insured under such policy but for its Hovvever, no person or organization is an
termination or upon the exhaustion of its insured with respect to:
limits of insurance. o. "Bodily injury" to a co-"employee" of the
3. Newly Acquired Or Formed Organization person operating the watercraft; nr
Any organization you newly acquire or form, b. "property damage" to property owned by,
other than a partnership, joint venture or rented to, in the charge oforoccupied by
limited liability oompony, and over which you you or the employer ofany person who is
maintain financial interest of more than 5096 of on insured under this provision.
the voting atook, will qualify as u Named 6- Additional Insureds When Required By
Insured if there is no other similar insurance Written Contract, Written A0nmerneni Or
available to that organization. However: Permit
a. Coverage under this provision is afforded The person(s) or organization(s) identified in
only until the 180th day after you acquire Paragraphs a- through t below are additional
or form the organization or the end of the insureds when you have mg/ead, in a written
policy period, whichever iaearlier; and
Form SSODO8O4US Page 11of24
BUSINESS LIABILITY COV
ERAGE FORM 528BAAF5779
oontract, vvh8en agreement or because of (e) Any failure to make such
permit issued by a state or political inapenUons, adjustnnenhs, tests or
subdivision, that such person or organization servicing no the vendor has
be added as an additional insured on your agreed to make or normally
po|icy, provided the injury or damage occurs undertakes to make in the usual
subsequent to the execution of the contractor course of business, in connection
agreement, or the issuance nf the permit. with the distribution ur sale ofthe
A person or organization is an additional products;
insured under this provision only for that (f) Demonetnadon, installation,
period of time required by the nontnact, servicing or repair operations,
agreement or permit. except such operations performed
at the vendor's premises in
However, no such person or organization is an connection with the oo|e of the
additional insured under this provision if such product;
person or organization is included as an
additional insured by on endorsement issued (0) Products which, after distribution
by us and made a pa� ofthis Coverage Part, orea|� by you. have been labeled
or relabeled or used as o
including all persons or organizations added
as additional insureds under the specific oonbainer. p��oringredientofany
additiono| insunad oovenege granta in Seotion otherthing oraubstance by orfor
the vendor;
F.—Optiona|Additiona| |nsuredCoverages. '
a. Vendors (h) "Bodily injury" or "property
damage" arising out of the sole
Any pe�on�Aororgan�aton(s) (n*��rnedto negligence of the vendor for its
below as vendor), but only with respect to own acts or omissions or those of
"bodily injury" or "property damage" arising its employees or anyone else
out of "your products" which are distributed acting on its behalf. Howaver, this
or sold in the regular course of the vendor's exclusion does not apply to:
business and only if this Coverage Pert
provides coverage for "bodily i '' or (i) The exceptions contained in
^ d h bpenagnaps ( ) or or
""property damage" included within the Su '
"prod ucts-oomp|eted operations hozand" (ii) Such inspections, adjustments,
(1) The insurance afforded to the vendor tests orservicing as the vendor
is subject to the following additional has agreed tonnakeornormaUy
^exclusions: undertakes to make in the usual
course of business, in
This insurance does not apply to: connection with the distribution
(a) "Bodily injury" or "property or sale of the products.
damage" for which the vendor is (2) This insurance does not apply to any
obligated to pay damages by insured person or organization from
reason of the assumption of whom you have acquired such products,
liability in a contract oragreement. or any ingnedient, pert or container,
This exclusion does not apply to entering into, accompanying or
liability for damages that the containing such products.
vendor would have in the absence
of the contract oragreement;
b. �esmoraOf ��uiprnant
< (1) Any person or organization from
b} Any express warranty' unauthorized byyou; �vvhornyou lease equipment but only
with respect to their liability for "bodily
(n) Any physical or chemical change injury". "property damage" or
in the product made intentionally "personal and advertising injury"
by' ' nauned, in whole or in part, by your
(d) RepaokaQing, except when maintenance, operation or use of
unpacked solely for the purpose of equipment leased to you by such
inspection, demonstradon, teating, person ororganization.
or the substitution of parts under
instructions from the nnanuhactunar,
and then repackaged in the
original container;
Page 12of24 Form S3OOOQO4O6
52GB/V\F5779 BUSINESS LIABILITY COVERAGE FORM
(2) With respect to the insurance afforded m. Permits Issued By State Or Political
to these additional insureds. this Subdivisions
insurance does not apply to any 1) Any state or political subdivision, but
"occurrence" which bakes place after '
only with respect to operations
you cease to lease that equipment. performed by you ornn your behalf for
u. Lessors Of Land Or Premises which the state or political subdivision
(1) Any person or organization from has issued a permit.
whom you lease land or premises, but (2) With respect tothe insurance afforded
only with respect to liability arising out to these additional ineunsds, this
of the ownership, maintenance nruse insurance does not apply to:
of that pad of the land or premises
(a) "Bodily injury", "property damage"
leased toyou.
"personal persono| and advertising
(3) With respect ho the insurance afforded injury" arising out of operations
to these additional insumado, this performed for the sb*ha or
insurance does not apply to: municipa|ity� or
(a) Any "occurrence" which takes (b) "Bodily injury" or"property damage"
place after you cease to lease that included within the "products-
land or be o tenant in that completed operations huzard"
premises; or t Any Other Party
(b) Structural alterations, new (1) Any other person or organization who
construction or demolition
is not an insured under Paragraphs a.
operations performed by or on through e. above, but only with
behalf of such person or respect to liability for "bodily injury".
organization. "property damage" or "personal and
d. /\nuhibmcba, Engineers Or Surveyors advertising injury" ouused, in whole or
(1) Any architect, engineer, or surveyor, but in part, by your acts or omissions or
only with respect to liability for "bodily the acts or omissions of those acting
injury", "property damage" or "personal on your behalf.-
and advertising injury" caused, in whole (a) In the performance of your
or in port, by your acts or omissions or ongoing operations;
the acts or omissions of those acting on
(b) In connection with your premises
your behalf., owned bynr rented to you; or
(a) In connection with your pnamises�
' (n) |n connection with "your work" and
or
included within the "products-
(b) I the performance of your completed operations hozord". but
ongoing operations performed by only if
you oron your behalf.
(1) The written contract or written
(2) With respect to the insurance afforded agreement requires you to
to those additional innurede, the provide such coverage to
following additional exclusion applies: such additional insunad� and
This insurance does not apply to (ii) This Coverage Pad provides
"bodily injury", "property damage" or coverage for "bodily injury" or
"personal and advertising injury" "property damage" included
arising out of the rendering of or the within the "products-
failure to render any professional completed operations hezard"
services byor for you including:' � (2) With respect tnthe insurance afforded
(a) The pnaparing, appnoving, or to these additional insunada, this
failure to prepare or approve, insurance does not apply to:
maps, shop drawings, opinions, "Bodily injury", "property damage" or
reports, surveys, field orders, "pensuna|^ and advertising injury"
change ordere, designs or arising out of the rendering of, or the
drawings and specifications; or failure to render, any professional
(b) Supervieory, inopacUon, architectural, engineering orsurveying
architectural or engineering een/ioeu, including:
activities.
Form SSOUO804U5 Page 13mf24
BUSINESS LIABILITY COVERAGE FORM 52SBAAF5779
(a) The preparing, approving. or This General Aggregate limit does not
failure to prepare or approve, apply to "property damage" to premises
mopp, shop dnavvinga, opinions, while rented to you or temporarily
reportm, surveys, field ordem, occupied by you with permission of the
change onders, designs or owner, arising out of fire. lightning or
drawings and specifications; or explosion.
(b) Supervisory, inspection. 3. Each Occurrence Limit
architectural or engineering Subject to 2.m. or 2.b obove, whichever
activities.
epp|ies, the most we will pay for the sum of all
The limits of insurance that apply to additional damages because of all "bodily injury",
insureds are described in Section D. — Limits "property damage" and medical expenses
0f|nsurance. arising out of any one "occurrence" is the
How this insurance applies when other Liability and K8edioo| Expenses Limit shown in
ti|Deo�naona
insurance is available toan additional insured the .
is described in the Other Insurance Condition The most we will pay for all medical expenses
in Section E.— Liability And Medical Expenses because of "bodily injury" sustained by any
General Conditions. one person is the Medical Expenses Limit
No person or organization is an insured with shown in the Declarations.
respect to the conduct of any current or past 4. Personal And Advertising Injury Limit
partnership, joint venture or limited liability Subject to 2.b. above, the most we will pay for
company that is not shown ona Named Insured in the sum of all damages because of all
the Declarations. "personal and advertising injury" sustained by
D. LIABILITY AND MEDICAL EXPENSES any one person or organization is the Personal
LIMITS OF INSURANCE and Advertising Injury Limit shown in the
Declarations.
i. The Most VVeWill Pay
S. Damage To Premises Rented To You Limit
The Limits of Insurance shown in the
The Damage To Premises Rented To You
Declarations and the rules below fix the most
Limit is the most wewill pay under Business
vve will pay regardless of the number of:
Liability Coverage for damages because of
a. Insureds; "property damage" to any one premises, while
b' Claims made or"euite" brought; or rented to you, orin the case of damage byfire,
c. Persons or organizations making claims or lightning or exp|onion, while rented to you or
bringing "suits". temporarily occupied by you with permission of
2. Aggregate Limits the owner.
|n the oeno of damage by fire,'
lightning or
� explosion, the Damage to Premises Rented To
a. Damages because of "bodily injury" and You Limit applies to all damage proximately
"property damage" included in the caused by the same event, whether such
"prod uds-oomp|eted operations hazard" is damage results from fire, lightning orexplosion
the Prod uots-Comp|ehad Operations or any combination ofthese.
Aggregate Limit shown in the
6- How Limits Apply Tm Additional Insureds
Declarations.
The most we vvi|| pay on beho|fofo person or
b Damages because of o|| other "bodily' injury", damage" or "personal
organization who is an additional insured
underthieCovenagoPadisth� |eaeerot
and advertising injury", including medical
expenses, is the General Aggregate Limit a. The limits of insurance specified in o
shown in the Declarations. written onntnact, written agreement or
permit issued by a state or politicalThis General Aggregate Limit applies
eeponah*|y to each of your "locations" subdivision; or
owned byor rented to you. b. The Limits of Insurance shown in the
"Location" means premises involving the Declarations.
same or connecting |obs, or premises Such amount aho|| be o part of and not in
whose connection is interrupted only by addition to the Limits of Insurance shown in
atreet, roadway or right-of-way of e the Declarations and described in this Section.
railroad.
Page 14of24 Form SSOOO8U4D5
52G8AAF5779 BUSINESS LIABILITY COVERAGE FORM
If more than one limit of insurance under this (1) Immediately send us copies of any
policy and any endorsements attached thereto demands, notioes, summonses or
applies to any claim or"suit', the most we will pay legal papers received in connection
under this policy and the endorsements is the with the claim or"nuit';
single highest limit of liability of all coverages
'
�) Authorize us to obtain records and
uppdioob|o to such claim or "suit". this
other information;
paragraph does not apply to the �Wedioa| Expenses �
|imi�setfo�hinParograph3.above� (3) Cooperate with uein the investga�on.
settlement of the claim or defense
The Limits of Insurance of this Coverage part apply against the''ouiy'; and
separately to each consecutive annual period and to
(4) Assist us, upon our requeat in the
any remaining period of less than 12 months, starting '
enfnvomment of any righ� ogainat any
with the beginning of the policy period shown in the
person or organization that may be
Declarations, unless the policy period is extended liable to the insured because of injury
after issuance for an additional period of less than 12
or damage to which this insurance
months. In that case, the additional period will be may also app|y
deemed part �
�
ofdeb�nniningtheLimihaof|neurance� d. (�b|i8atignoAtThe |nsunsd's Own Coat
No insured will, except sdthat insured's own
E. LIABILITY AND MEDICAL- EXPENSES
cost, voluntarily make payment, assume
GENERALCONDITIONS .
any ob|igation, or incur any expense, other
1. Bankruptcy than for first aid,without our consent.
Bankruptcy or insolvency of the insured or of e. Additional |nsured's Other Insurance
the inoured'a estate will not relieve us of our If we cover e o|aino or "suit" under this
obligations under this Coverage Part. Coverage Part that may also be covered
2. Duties In The Event Of Occurrence, by other insurance available to on
Offense, Claim 0rSuit additional insured' such additional insured
a. Notice 0f Occurrence OrOffense must submit such claim or "suit" to the
You or any additional insured must see to other insurer for defense and indemnity.
it that we are notified as noon as Hovvever, this provision does not apply to
practicable of an "occurrence" or on the extent that you have agreed in a
offense which may result in ac|aim. To written contraot, written agreement or
the extent possible, notice should include: Permit that this insurance is primary and
non-contributory with the additional
(1) How, vvhenand where the ''occunenue" insuned's own insurance.
or offense took place;
f. Knowledge OfAn Occurrence, Offense,
(2) The names and addresses of any Claim C]rSuit
injured persons and witnesses; and
Paragraphs a. and b. apply to you or to
(3) The nature and location of any injury any additional insured only when such
or damage arising out of the "000urnanco" offense, claim or "suit" in
�
"000urrenoe"oroffense ' '
known to:
b Notice O���|ainn' (1) You or any additional insured that is
If a claim is made or "suit" is brought enindividua|�
against any insured. you or any add� �
additional 2) Any partner, if you or an additional
insured must:
insured ieopartnership;
(1) Immediately record the specifics ofthe �3> Any manager, if you or an additional
claim or "suit" and the date received
' insured ioo limited liability company;
and
(4) Any "executive officer" or insurance
(�) Nodfvuna� soonaspraotioab|�� monoger, if you or an additional
You or any additional insured must see to insured iaacorporation;
it that we receive e written notice of the
(5) Any truoteo, if you or an additional
claim or"suit" as soon as practicable. insured is a trust; or
c' t�ei�t�ooa And Cooperation Of The
(#) Any elected or appointed official, ifyou
Insured
or an additional insured is a political
You and any other involved insured must: subdivision or public entity.
Form SGOOO8O4U5 Page 15of24
BUSINESS LIABILITY COVERAGE FORM 52S8AAF5779
This Paragraph t applies separately to (3) VVe have issued this policy in reliance
you and any additional insured. upon your representations.
3. Financial Responsibility Laws b. Unintentional Failure To Oiso|msn
m. When this policy is certified as proof of Hazards
financial responsibility for the future under If unintentionally you should fail todisclose
the provisions of any motor vehicle all hazards relating to the conduct ofyour
financial responsibility |avv, the insurance business at the inception date of this
provided by the policy for "bodily injury" Coverage Part, we shall not deny any
liability and "property damage" liability will coverage under this Coverage Pert
comply with the provisions of the law to because of such failure.
the extent of the coverage and limits of 7. <]ther|nsuranoe
insurance required by that law.
If other valid and collectible insurance is
b. VW "mobile respect to equipment' to available for a loss we cover under this
which this insurance opp|iao, we will Coverage part, our obligations are limited as
provide any |iabi|ity, uninsured nnotoriste, follows:
undehnsured nnotorists, no-fault or other
coverage required by any motor vehicle e. Primary Insurance
law. We will provide the required limits for This insurance is primary except when b.
those coverages. below applies. If other insurance is also
4. Legal Action Against Us primary, we will share with all that other
insurance by the method described in c.
No person or organization has a right under
this Coverage Form: below.
a. To join us as a party or otherwise bring um b' Exuass |nsuranne
into a "suit' asking for damages from an This insurance is excess over any of the
insured; or other inounsnoe, whether primary, excess,
b. To sue uson this Coverage Form unless contingent Vronany other basis:
all of its terms have been fully complied (1) Your Work
with. That in Fine. Extended Coverage,
A person or organization may sue us to recover Builder's Risk, Installation Risk or
onan agreed settlement orona final judgment similar coverage for"your vvorK';
against on insured; but we will not be liable for (2) Premises Rented To You
damages that are not payable under the terms of
That is fire lightning or explosion
this insurance or that are in excess of the '
insurance for premises rented to you
applicable limit of insurance. An agreed
or temporarily occupied by you with
settlement moans a settlement and release of
permission of the owner;
liability signed by us, the insured and the
claimant or the claimant's legal representative. (3) Tenant Liability
6. Separation <]fInsureds That is insurance purchased by you to
cover your liability as a tenant for
Except with respect to the Limits of Insurance, "p
roperty rented
and any rights or duties specifically assigned
to you or temporarily occupied by you
in this policy to the first Named Insured, this
with permission of the owner;
insurance applies:
(4) Aircraft,Auto Or Watercraft
m. An if each Named Insured were the only
Named Insured; and |f the loss arises out nf the maintenance
oruoeofairona� "�ub�s" orvvetercna�to
b- Separately ho each insured against vvhonn
tbe exbant not aut�e/t to Exr|uoion g of
adaimi� medenr"eui�' isbrought '
� 'SeobonA.—Covenagee.
G. Representations
(S) Property Damage To Borrowed
a. When You Accept This Policy Equipment Qr Use Of Elevators
By accepting this policy, you agree: If the loss arises out of "property
(1) The statements in the Declarations damage" to borrowed equipment or
are accurate and complete; the use of elevators to the extent not
subject to Exclusion k- of Section A. —
(2) Those statements are based upon '
representations you made to us; and Coverages.
Page 1snf24 Form SSUOU8O4O5
BUSINESS UABK�YCOVENA{�E F{���K8
52SB/�`F577Q
(8) When You Are Added As An When this insurance is excess over other
Additional Insured To Other insuranoe, we will pay only our share of
Insurance the amount of the |oss, if any. that
That is other insurance available to exceeds the sum of:
you covering liability for damages (1) The total amount that all such other
arising out of the premises or insurance would pay for the loss inthe
operations, or products and completed absence of this insurance; and
operations for you have been' (2) The total of all deductible and self-
added as an additional insured by that insured amounts under all that other
inounanneor
' insurance.
(7) When You Add Others As An We will share the remaining |osn, if any, with
Additional Insured To This
any other insurance that is not described in
Insurance
this Excess Insurance provision and was not
That is other insurance available to an bought specifically to apply in excess of the
additional insured. Limits of Insurance shown in the
However, the following provisions Declarations of this Coverage Part.
apply to other insurance available to o. Method 0fSharing
any person or organization who is an If all the other insurance permits
additional insured under this Coverage contribution by equal shares, vve will follow
Part: this method also. Under this approach.
(m) Primary Insurance When each insurer contributes equal amounts
Required By Contract until it has paid its applicable limit of
insurance or none of the loss remains,
This insurance is primary if you '
have agreed in avvritt vvhiohevercomes�reten contract, .
written agreement or permit that |f any of the other insurance does not permit
this insurance beprimary. If other contribution by equal nhares, we will
insurance is also primary' we will contribute bylimits. Under this method, each
share with all that other insurance insurer's share is based on the ratio of its
by the method described in c applicable limit of insurance to the total
below. applicable limits of insurance of all insurers.
(b) Primary And Non-Contributory D. Transfer Of Rights Of Recovery Against
To Other Insurance When Others ToUe
Required ByContract a. Transfer[)f Rights OfRecovery
If you have agreed in a written If the insured has rights to recover all or
oontnsct, written agreement or port of any payment, including
permit that this insurance is Supplementary Payments, vve have made
primary and non-contributory with under this Coverage Part, those rights are
the additional insured's own
transferred to us The insured must do
insurance, this insurance is
nothing after loss to impair them. At our
primary and we will not seek request, the insured will bring "suit" or
contribution from that other
transfer those rights to us and help us
insunance
enforce them. This condition does not
Paragraphs (a) and (b) do not apply to apply bz Medical Expenses Coverage.
other insurance to which the additional
b. Waiver Of Rights Of Recovery (Waiver
insured has been added as an
Of Subrogation)
additional insured.
|f the insured has waived any rights of
When this insurance is excess we will' recovery against any person or
have no dub/ under this Coverage Partto organization for all or pa�nfony payment,de#sndtheinsuredagainstony "euif' ifony including Supplementary Payments, weother insurer has o duty to defend the have made under this Coverage Part, we
against that "suit". If no other insurer defends, also waive that right, provided the insured
vvavvi|| undertake to do
'so waived their rights of recovery against
but vvi|| b� entitled to the insured'o
' suchperson nr organization inacontract,
righto �gainsta|| thoseotherinsunsm� agreement or permit that was executed
prior to the injury or damage.
Form SSOOO8O4O5 Page 17of24
BUSINESS LIABILITY COVERAGE FORM 52SBAAF6779
F. OPTIONAL ADDITIONAL INSURED 3. Addihona| Insured -GrantorOfFnanchise
COVERAGES WHO IS AN INSURED under Section C. is
If listed or shown as applicable in the Deo|oretions, amended to include as an additional insured
one or more of the following Optional Additional the person(s) ororganizadon(s) shown in the
Insured Coverages also apply. When any ofthese Declarations as an Additional Insured
Optional Additional Insured Coverages apply, Grantor 0fFranchise, but only with respect to
Paragraph G' (Additional Insureds When Required their liability as grantor of franchise toyou.
by Written Contract, Written Agreement orPermit) 4. Additional Insured - Lessor Of Leased
of Section C.' Who Is An |nsunad, does not apply Equipment
to the person or organization shown in the a. WHO |SAN INSURED under Section C. is
Declarations. These coverages are subject tothe amended to include as an additional
terms and conditions applicable to Business insured the person(s) or organization(s)
Liability Coverage in this po|icy, except as shown in the Declarations as an Additional
provided below: Insured — Lessor of Leased Equipment,
1. Additional Insured - Designated Person Or but only with respect to liability for "bodily
Organization injury", "property damage" or "personal
WHO IS AN INSURED under Section C. is and advertising injury" caused, in whole or
amended to include on an additional insured in Part, by your maintenance, operation or
the person(s) nrnrganization(e) shown in the use of equipment leased to you by such
` 'Declarations, ororgeni�otion(e)�ions. but only with respect to liability .
for "bodily injury", "property damago" or b. With respect to the insurance afforded to
"personal and advertising injury" nauaod, in these additional insunsds, this insurance
whole or in pad' by your acts or omissions or does not apply to any "occurrence" which
the oota or omissions of those acting on your takes place after you cease to lease that
behalf: equipment.
a. In the performance of your ongoing 5. Additional Insured - Owners Or Other
operations; or Interests From Whom Land Has Been
b. In connection with your premises owned Leased
by or rented to you. a. WHO IS AN INSURED under Section C. is
amended to include as an additional
2. Additional Insured - Managers Or Lessors
Of Premises insured the person(s) or organization(s)
shown in the Declarations as an Additional
a' WHO IS AN INSURED under Section C. is
Insured —(]wners Or Other Interests From
amended to include osan additional insured
Whom Land Has Been Lnayod, but only
the person(o) ororgonizotion(s)shown in the with respect to liability arising out of the
Declarations as an Additional Insured
ownership, maintenance or use of that part
Designated Person Or Organization; but only of the land leased to you and shown in the
with respect to liability arising out of the Declarations.
' ownership, maintenance nr use of that part of
thepnamisea |easedtuyouand�ho�ninthe b. With respect to the insurance afforded to
these additional insureds, the following
Declarations.
additional exclusions apply:
b. With respect tnthe insurance afforded to
these additional insureds, the followingThis insurance does not apply to:
additional exclusions apply: (1) Any "occurrence" that takes place
This insurance does not apply to: after you cease to lease that land; or
(1) Any "occurrence" which takes place (2) Structural alterations, new
construction or demolition operations
premises;cease to be a tenant in that
premises; or performed by or on behalf of such
(2) Structural a|teratinns, new person ororganization.
8 Additional Insured - State Or Political
construction or demolition operations '
performed by or on behalf of such Subdivision —Permits
person or organization. a. WHO |SAN INSURED under Section C. is
amended to include as an additional
insured the state or political subdivision
shown in the Declarations as an Additional
Page 18 nf24 Form SS 00 08 04O5
52SBAAF5779 BUSINESS U � ��LIABILITY FORM
Insured — State Or Political Subdivision - (n) Any failure to make such
Permitm, but only with respect to inepaotione, adjusbnonts, tests or
operations performed by you or on your servicing as the vendor has agreed
behalf for which the state or political to make or normally undertakes to
subdivision has issued apermit. make in the usual course of
b. With respect to the insurance afforded to business, in connection with the
these additional insunads, the following distribution or sale of the products;
additional exclusions apply: (M Demonstration. installation,
This insurance does not apply to: servicing or repair operationa,
except such operations performed
(1) "Bodily injury", "property damage" or at the vendor's premises in
"personal and advertising injury"'« connection with the ae|a of the
ahaingout uf operations pe�onnodfor product-,thaetoba or municipality; or
(g) Products which, o�or distribution
(2) "Bodily in]ury" or "property damage"
or sale by you, have been labeled
included in the "produc�oomp|ebad or relabeled or used as a
operations" hazard. container, part or ingredient ofany
7. Additional Insured—Vendors other thing or substance by or for
a. WHO |SAN INSURED under Section C. is the vendor; or
amended to include as an additional (h) "Bodily injury" or "property
insured the person(s) or organization(s) damage" arising out of the sole
(referred to below as vendor) shown inthe negligence of the vendor for its
Declarations as an Additional Insured - own acts or omissions or those of
Vendor, but only with respect to "bodily its employees or anyone else
injury" or "property damage" arising out of acting on its behalf. However, this
"your products" which one distributed or exclusion does not apply to:
sold in the regular course of the vendor's
(i) The exceptions contained in
business and only if this Coverage Part
Subparagraphs (d)or(f); or
provides coverage for "bodily injury" or
"property damage" included within the (ii) Such inspections,
"prod u mp|etedoperationshazord" adjustments, tests orservicing
as the vendor has agreed to
b The insurance afforded to the vendor is'
subject ho the following additional exclusions: make or normally undertakes
to make in the usual course of
(1) This insurance does not apply to: business, in connection with
t
(a) "Bodily injury" or "property the distribution or sale of the
damage" for which the vendor is Products.
obligated to pay damages by (2) This insurance does not apply to any
reason of the assumption of insured person or organization from
liability ina contract oragreement. whom you have acquired such
This exclusion does not apply to prnduob, or any ingredient, pad or
liability for damages that the nnntainer, entering into,
vendor would have in the absence accompanying or containing such
uf the contract oragreement; products.
(b) Any express warranty 8. Additional Insured—Contro||ing Interest
unauthorized byyou; VVHU IS AN INSURED under Section C. in
(o) Any physical or chemical change amended to include as an additional insured
in the product made intentionally the person(s) ororgonization(s) shown in the
by the vendor; Declarations as an Additional Insured —
(d) Repankaging, unless unpacked Controlling Interest, but only with respect to
solely for the purpose of inspection, their liability arising out of:
denlonntmtion, testng, or the m. Their financial control of you; pr
substitution of parts under b' Premises they own, maintain or control
instructions from the manufacturer, while you lease or occupy these premises.
and then repackaged in the original
container;
Form S8000DO4OS Page 19of24
BUSINESS LIABILITY COV
ERAGE FORM 52SBAAF5779
This insurance does not apply to structural The limits of insurance that apply to additional
altenationa, new construction and demolition insureds are described in Section D. — Limits Of
operations performed by or for that person or Insurance.
organization How this insurance applies when other insurance
9. Additional Insured — Owners, Lessees Or is available toan additional insured is described in
Contractors — Scheduled Person Or the Other Insurance Condition in Section E. —
Organization Liability And Medical Expenses General
a. WHO |8AN INSURED under Section C. io Conditions.
amended to include as on additional G. LIABILITY AND MEDICAL EXPENSES
insured the person(s) or organization(s)` ' DEFINITIONS
shown in the Declarations as an Additional
Insured — Owner, Lessees Or Contractors, 1' "Advertisement" means the widespread public
but only with respect to liability for "bodily dissemination of information or images that
injury", "property damage" or "personal has the purpose of inducing the sale of goods,
and advertising injury" saused, in whole or Products or services through:
in part, by your acts or omissions or the a. (1) Radio�
ads or omissions of those acting on your
(2) Television;
behalf:
(3) Billboard;
(1) In the performance of your ongoing
NQ Magazine;
operations for the additional
(5) Newspaper;
In connection with "your work" b The Internet, but only �a part of o web
' site that is about goods, products or
performed for that additional insured
and included within the "products- services for the purposes of inducing the
completed operations hazard", but sale of goods, products or services; or
only if this Coverage Pert provides o. Any other publication that is given
coverage for "bodily injury" or widespread public distribution.
"property damoge" included within the However, "advertisement" does not include:
"products-oomp|eted operations
hazard". a. The dasign, printed materia|, information
or images contained in, on or upon the
b- With respect tothe insurance afforded to packaging or labeling of any goods or
these additional insureds, this insurance products; or
does not apply to "bodily injury", "property
b An interactive conversation between or
damage" or "personal on advertising '
injury" arising out of the rendering of, or an�onQpersonsthnough000mpubarne�vork�
the failure to render, any professional 2. "Advertising idea" means any idea for an
arohitaotuna|, engineering or surveying "advertisement".
services, including: 3' "Asbestos hazard" means an exposure or
(1) The prepahng, approving, or failure to threat of exposure to the actual or alleged
prepare or approve, maps, shop properties of asbestos and includes the mere
dnavvingo, opinions, reports. nurveys. presence of asbestos in any form.
field nnders, change orders, designs or 4' "Auto" means a land motor vehide, trailer or
drawings and specifications; or semi-trailer designed for tnova| on public
(2) Supen/iaory, inapeotion, architectural roads, including any attached machinery or
or engineering activities. equipment. But "auto" does not include
equipment'.
10. Additional Insured — Co-Owner Of Insured "mobile eq .
Premises 5- "Bodily injury" means physical:
WHO IS AN INSURED under Section C. is a. Injury;
amended to include as an additional insured b. Sickness or
the person(e) or Organization(s) oho�n |n the '
m. Disease
Declarations as on Additional Insured — Co-
Owner Of Insured Premises, but only with sustained by o person and, if arising out of the
respect to their liability as co-owner of the obove, n)enbs| anguish or death at any time.
pnamiaoo shown in the Declarations. G. "Coverage territory" means:
Page 2Oof24 Form SSDOODO4O5
52SB/V\F5770 BUSINESS LIABILITY COVERAGE FORM
m- The United States of America (including its b. You have hailed to fulfill the terms of a
territories and possessions), Puerto Rico contract oragreement�
and Canada;' if such property can be restored b) use by:
b. International waters or airspace, but only if e- The repoir, rep|eoement, adjustment or
the injury or damage occurs in the course removal of "your product" or "your work";
of travel or transportation between any or
places included ina. above;
b. Your fulfilling the terms of the contract or
G. All other parts of the world if the injury or agreement.
damage arises out of:
12. "Insured contract" means:
(1) Goods or products made nrsold by you
a� & contract for a lease of premises.
Hovvaver, that portion of the contract for a
(2) The activities ofa person whose home lease of premises that indemnifies any
is in the territory described in a person or organization for damage by hro,
above' but is away for a short time on lightning or explosion to premises while
your business; or rented to you or temporarily occupied by
(3) "Personal and advertising injury" you with permission of the owner is
offenses that take place through the subject to the Damage To Premises
Internet or similar electronic means of Rented To You limit described in Section
communication D. — Liability and Medical Expenses Limits
provided the insunad'n responsibility to pay ofInsurance.
damages in determined in the United States of b. A sidetrack agreement
America (including its territories and c- Any easement or license agreement,
possessions), Puerto Rico or Canade, in a including an easement or license
"suit" on the merits according to the agreement in connection with construction
substantive |avv in such territory, or in a or demolition operations on or within 50
settlement we agree to. feet ofo railroad;
7 "Electronic data" means information, facts or' ' d. Any ob|igation, as required by ordinance,
programs: to indemnify a muniuipa|ity, except in
a. Stoned as or on; connection with work for o municipality;
b. Created or used on; or e. /\n elevator maintenance agreement; or
c. Transmitted toorfrom f. That part of any other contract or
computer sofwana, including systems and agreement pertaining to your business
applications sofwana, hand or floppy disks, (including an indemnification of a
CD-RDyWS, tapes, driveu, ce||s, data municipality in connection with work
processing devices or any other media which performed for o municipality) under which
are used with electronically controlled you assume the tort liability of another
equipment. Party to pay for "bodily injury" or "property
damoge'' �o � �hirdper�onororganiz�Uon'
D. "Employee" includes o "leased|eased worker". provided the "bodily injury" or "property
"Employee" does not include a "temporary '
damage" in caused, in whole in pad
vvurke�' ' ' by
� you or by those acting on your behalf.
9- "Executive officer" means a person holding Tort liability means a liability that would be
any of the officer positions created by your imposed by law in the absence of any
oharter, oonoUtution, by-laws or any other contract oragreement.
similar governing document.
Paragraph f. includes that port of any
10. "Hooti|e fire" means one which becomes contract or agreement that indemnifies a
uncontrollable or breaks out from where itwas railroad for "bodily injury" or "property
intended to be. damage" arising out of construction or
11- "Impaired property" means tangible propehy, demolition operations within 50 feet of any
other than "your product" or "your work", that railroad property and affecting any railroad
cannot be used or is less useful because: bridge or trestle, tracke, road-bedo, tunnel,
a' It incorporates 'your product' or"yourvvnrW' underpass orcrossing.
that is known or thought to be defective, However. Paragraph t does not include
deficient, inadequate or dangerous; or that part of any contract oragreement:
Form SS000804OG Page 21of24
BUSINESS LIABILITY COVERAGE FORM 52SBAAF5779
(1) That indemnifies an architect, (1) Power cranes, shovels, loaders,
engineer or surveyor for injury or diggers ordhUs� or
damage arising out of:
(2) Road construction or resurfacing
(a) Pnsparing, approving or failing to equipment such as gnsdars, scrapers
prepare or approve maps, shop or rollers;
drawings, opinionn, reports, m. Vehicles not described in o., b., o., or
surveys, field nndem, change above that are not self-propelled and are
ordem, designs or drawings and maintained primarily to provide mobility to
speoificatinns� or permanently attached equipment of the
(b) Giving directions or instruutiona, following types:
or failing to give them if is the
' (1) Air compresaors, pumps and
primary cause of the injury or genarabors, including apnaying,
dannage� or vve|ding, building cleaning,
(2) Under which the insu/ed, if an geophysical exploration, lighting and
anohibaot, engineer or sumeyor, well servicing equipment; or
assumes liability for an injury or/« (2) Cherry pickers and similar devices
damage arising out of the inaunad'm used to raise or lower vvnrkem
rendering or failure to render '
f' Vehicles not described in a'' b'' c'' ord'professiono| services, including those
listed in (�) above and supervisory,
maintained primarily for purposes
inspaotion, architectural or other than the transportation of persons or
engineering activities. cargo.
13. "Leased worker" means a person leased to Hovvever, self-propelled vehicles with the
you by a labor leasing firm under an following types of permanently attached
agreement between you and the labor leasing equipment are not "mobile equipment" but
�
�rm' toped vviUbeoonsidered "outoa"�
perform
your business. "Leased worker' does not (1) Equipment. of at least 1.000 pounds
include a "temporary vvorker' gross vehicle weight, designed
14. "Loading or unloading" means the handling of primarily for:
property: (a) Snow removal;
a. After it is moved from the place where it is (b) Road maintenance, but not
accepted for movement into or onto an construction or resurfacing; ur
aircraft, watercraft ' (c) Street cleaning;
b' While it is in or on an aircraft, watercraft or 2) Cherry pickers and similar devices
"euto"; or mounted on automobile or truck
o. While it is being moved from an ain:naft, chassis and used to raise or lower
watercraft or"auto" to the place where it is workers; and
finally delivered; (3) Air oompreeoora, pumps and
but "loading or unloading" dmao not include the generators, including spnaying,
movement of property by means ofamechanical vve|ding, building cleaning,
devioe, other than a hand truck, that is not geophysical exploration, lighting and
attached to the aircraft,watercraft or"auto" well servicing equipment.
15' "Mobile equipment" means any of the following 16. "Occurrence" means an accident, including
types of land vehio|ee, including any attached continuous orrepeated exposure tosubstantially
machinery orequipment: the same general harmful conditions.
a- Bu||dozens, harm machinery, forklifts and 17. "Personal and advertising injury" means injury,
other vehicles designed for use principally including consequential "bodily in]ury", arising
off public roads; out of one nr more of the following offenses:
b. Vehicles maintained for use solely on or o' False arrest, detention or imprisonment;
next to premises you own orrent; b. Malicious prosecution;
o. Vehicles that travel on crawler treads;
.
d. Vehicles, whether self-propelled or not, on
which are permanently mounted:
Page 22mf24 Form SSOUO804O5
52SB/V\F5770 BUSINESS LIABILITY COVERAGE FORM
c. The wrongful eviction from, wrongful entry Work that may need service, maintenance,
into, or invasion of the right of private comecMon, repair or replacement, but
occupancy of a noom, dwelling or which is otherwise comp|ete, will be
premises that the person ocoupiee, treated as completed.
committed by or on behalf of its owner, The "bodily injury" or "property damage"
landlord or|usnoc
' must occur away from premises you own
d- Oral, written or electronic publication of or rent, unless your business includes the
material that slanders or libels a person ur ne||ing, handling or distribution of "your
organization or disparages a peraon'o or product" for consumption on premises you
organization's gonde, products orservioee� own or rent.
w. Ono|, written or electronic publication of b. Does not include "bodily injury" or
material that violates a pereon'a right of "property damage" arising out of:
privacy; (1) The transportation of prnpody, unless
t Copying, in your "advertisement', a the injury or damage arises out of o
person's or organizoUnn's "advertising condition in or on ovehide not owned
idea" or style of''advertisement'; or operated by you, and that condition
Q. Infringement ofcopyright, e|ogan, or title of was created by the "loading or
any literary or artistic vvork, in your un|oading" of that vehicle by any
"advertisement"; or insured; or
h. Discrimination or humiliation that results in (2) The existence of too|e, uninsbaUed
injury to the feelings or reputation of a equipment or abandoned or unused
natural person. materials.
18- "Pollutants" nlaana any solid, |iquid, gaseous or 30. "Property damage" means:
thermal irritant or contaminant, including smoke. a. Physical injury to tangible property,
vapor, soot, fumes, acidu, alkalis, chemicals and including all resulting loss of use of that
waste. Waste includes materials toberecycled, property. All such loss of use shall be
reconditioned or reclaimed. deemed to occur at the time of the
19. "Prod uota-oomp|eted operations hazand"; physical injury thotcausodit; or
a. Includes all "bodily injury" and "property b. Loss of use of tangible property that is not
damage" occurring away from premises physically injured. All such loss of use
you own or rent and arising out of "your shall be deemed to occur at the time of
product" or"your work" except: "000urrence" that caused it.
i) Products that are still in your physical As used in this definition. "electronic dabs" is
possession; or not tangible property.
2) Work that has not yet been completed 21. "Suit' means o civil proceeding in which
or abandoned. However, "your vvorK' damages because of "bodily injury", "property
will be deemed to be completed at the damage" or "personal and advertising injury"
earliest ofthe following times.- to which this insurance applies are alleged.
�
(a) When all of the vvorkcaU "Suit" includes:
called for in
your contract has been completed. m' An arbitration proceeding in which such
damages are claimed and to which the
(�) When all of�h�workho be done a�
the '
insured must submit or does submit with
job site has been completed if your contract calls for work at our consent;' or
more than one job site. b^ Any other alternative dispute resolution
proceeding in which such damages are
(n) When that pod of the work done at
a job site has been put to its claimed and to which the insured submits
intended use by any person or with our consent.
organization other than another 22. "Temporary worker" means a person who is
contractor or subcontractor furnished to you to substitute for a permanent
working on the same project. "employee" on leave or to meet seasonal or
short-term workload conditions.
23. "Volunteer worker" means a person who:
a. |e not your"enop|oyee";
Form SSOOOOO4O5 Page 23of24
BUSINESS LIABILITY COVERAGE FORM 52SBAAF5779
h. Donates his or her work; (2) The providing of or failure to provide
c. Acts at the direction of and within the warnings or instructions.
scope cf duties determined bv you; and c. Does not include vending machines or
d. Is not paid o fee, salary or other other property rented to or located for the
compensation by you or anyone else for use of others but not sold.
their work performed for you. 25. "Your work":
24. "Your product': a- Means:
a.
means: (1) Work oroperations performed by you
(1) Any goods or products, other than real oron your behalf; and
property, manufactured sold, handled,' ' ' ' (2) Meteria|a, parts or equipment
distributed or disposed ufby: furnished in connection with such work
(a) You; or operations.
(b) Cth*na boding under your name; b. Includes:
or
(1) Warranties or representations made cd
(c) A person or organization whose any time with respect to the fitness,
business or assets you have quo|ity, durabi|ity, performance oruse
ocquinad� end of"your worK'; and
(2) Containers (other than vehicles), (3) The providing of or failure to provide
noaheria|s, parts or equipment warnings or instructions.
furnished in connection with such
goods orproducts.
b. Includes:
(1) Warranties or representations made at
any time with respect to the fitnesa,
qua|ity, dunabi|ih/, performance oruse
of"your produot'; and
AGENCY CUSTOMER ID:
LOC#:
ADDITIONAL REMARKS SCHEDULE Page of
AGENCY NAMED INSURED
Trucordia Insurance Services,LLC Selectron Technologies,Inc.
POLICY NUMBER
CARRIER NAIC CODE
EFFECTIVE DATE:
ADDITIONAL REMARKS
THIS ADDITIONAL REMARKS FORM IS A SCHEDULE TO ACORD FORM,
FORM NUMBER: 25 FORM TITLE: Certificate of Liability Insurance:Notes
Data Breach Coverage
Insurer:Sentinel insurance Company Ltd
NAIC#:11000
Policy Term:1/31/2026-1/31/2027
Policy Number:52SBAAF5779
Claims made
Data Breach-response expenses:$500,000
Data Breach-defense and liability:$500,000
Retroactive Date:113112014
ACORD 101 (2008/01) @ 2008 ACORD CORPORATION. All rights reserved.
The ACORD name and logo are registered marks of ACORD
POLICY INSURER LIST BY JURISDICTION
INSURER NAIC JURISDICTION
Hartford Fire Insurance Company 19682 NV NC
ONE HARTFORD PLAZA
HARTFORD CT 06155
Trumbull Insurance Company 27120 TX
ONE HARTFORD PLAZA
HARTFORD CT 06155
Hartford Casualty Insurance Company 29424 FL WI
ONE HARTFORD PLAZA
HARTFORD CT 06155
Twin City Fire Insurance Company 29459 IA OR IN WA OK
ONE HARTFORD PLAZA
HARTFORD CT 06155
Hartford Insurance Company of the Midwest 37478 NY
ONE HARTFORD PLAZA
HARTFORD CT 06155
Hartford Insurance Company of Illinois 38288 IL
ONE HARTFORD PLAZA
HARTFORD CT 06155
THE COVERAGE PROVIDED IN EACH JURISDICTION IS WITH RESPECT TO THE LOCATIONS OF THE NAMED
INSURED IN THAT JURISDICTION IN ACCORDANCE WITH THE WORKERS' COMPENSATION LAW OF THAT
JURISDICTION. AS USED IN THIS POLICY, "COMPANY", "WE", "US" AND "OURS" MEAN THE MEMBER INSURANCE
COMPANIES OF THE HARTFORD INSURANCE GROUP COLLECTIVELY PROVIDING THIS INSURANCE.
Nothing herein, contained shall be held to vary, waive, alter or extend any of the terms, conditions, agreements or
information of the policy, other than as herein stated.
Form WC 66 04 40 Printed in U.S.A.
Process Date: 12/22/25 Policy Expiration Date: 01/31/27