HomeMy WebLinkAboutInsurance Certificate: Noble Coffee Roasting LLC ® DATE(MMIDDtYYYY)
�" CERTIFICATE OF LIABILITY INSURANCE 02/10,2026
THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS
CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES
BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED
REPRESENTATIVE OR PRODUCER,AND THE CERTIFICATE HOLDER.
IMPORTANT: If the certificate holder is an ADDITIONAL INSURED,the policy(ies)must have ADDITIONAL INSURED provisions or be endorsed.
If SUBROGATION IS WAIVED,subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on
this certificate does not confer rights to the certificate holder in lieu of such endorsement(s).
PRODUCER CONTACT
NAME: Samantha L Musser
Hart Insurance Agency - Medford PHONE FAX
PO Box 1240 AlC No Ext:_ (541) 779-4232 ( {AC,
No:
E-MAIL
ADDRESS: smusser@hartinsurance.com _
Grants Pass OR 97528
INSURERS}AFFORDING COVERAGE NAIC#
INSURERA:SAIF Corporation 36196
INSURED INSURER B:Hanover American Insurance Co 36064 _
Noble Coffee Roasting LLC
INSURER c:Allmerica Financial Benefit In 41840
281 4th St. INSURERD:
Ashland OR 97520 INSURERE: _
(541) 326-1383 INSURERF:
COVERAGES SM CERTIFICATE NUMBER:Cert ID 34267 (4) REVISION NUMBER:
THIS !S TO CERTIFY THAT THE POLICIES OF INSURANCF LISTED BFI OW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD
INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS
CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS,
EXCLUSIONS AND CONDITIONS OF SUCH POLICIES.LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. _
INSR �-ypE OF INSURANCE ADDL SiPOLICY EFF POLICY EXP
LTR! ( SDI D POLICY NUMBER MMIDD MMIDDtYYYY LIMITS
B g I COMMERCIAL GENERAL LIABILITY ( EACH OCCURRENCE $ 1,000,000
CLAIMS-MADE I—XI DAMAGE TO RENTED OCCUR Y � Z22D204742 04/13/2026 04J13/2027 PREMISES Ea occurrence S 1,400,000
MED EXP(Any one person) $ 5,000
PERSONAL&ADV INJURY S 1,000,000
GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE S 2,000,000
X
POLICY E PROJECT � LOC PRODUCTS-COMPIOP AGO S 2,000,000
OTHER: $
AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT Ea accident (.$ 1,000,000
C g ANY AUTO AW2D204769 04/13/2026 04/13/2027, BODILY INJURY(Per person) $
OWNED SCHEDULED BODILY INJURY(Per accident)
.... S
AUTOS ONLY AUTOS
HIRED NON-OWNED PROPERTY DAMAGE
AUTOS ONLY AUTOS ONLY Per accident
UMBRELLA LIAB OCCUR EACH OCCURRENCE $
i
EXCESS LIAB I CLAIMS-MADE.. AGGREGATE S
DED RETENTION$� $
WORKERS COMPENSATION
A 776066 Ol/Ol/2026i41f01/202T R .STATUTE PER IEOR
AND EMPLOYERS'LIABIUTY Y/N H _
ANYPROPRIETOR/PARTNER/EXECUTIVE ❑ E.L.EACH ACCIDENT $ 1,000,000
OFFICERtMEMBEREXCLUDED? N/A
(Mandatory in NH) E.L.DISEASE-EA EMPLOYEE) S 1,000,000
If ye MIT $s,describe under
DESCRi^TICN OF OPERATIONS below E.L.DISEASE-POLICY LI 1,000,000
$
$
DESCRIPTION OF OPERATIONS i LOCATIONS t VEHICLES (ACORD 101,Additional Remarks Schedule,may be attached if more space is required)
Certificate holder is listed as additional insured where required by written contract per attached
form 822-0001.
CERTIFICATE HOLDER CANCELLATION
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 St AUTHORIZED REPRESENTATIVE
Ashland OR 97520
O 1988-2015 ACORD CORPORATION. All rights reserved.
ACORD 25(2016/03) The ACORD name and logo are registered marks of ACORD
Paae 1 of 1
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
SMALL COMMERCIAL LIABILITY COMPANION ENDORSEMENT
This endorsement modifies insurance provided under the following:
COMMERCIAL GENERAL LIABILITY COVERAGE PART
SUMMARY OF COVERAGES Page
SECTION I—ADDITIONAL INSURED PROVISIONS 2
A. Automatic Additional Insured Provisions Including Primary and Non-contributory 2
4. Additional Insureds 3
a. Broad Form Vendors 3
b. Co-owner of Insured Premises 3
c. Controlling Interest 4
d. Mortgagee,Assignee, or Receiver 4
e. Grantor of Franchise 4
f. Lessor of Leased Equipment 4
g. Manager or Lessor of Premises 4
B. Additional Insured by Contract,Agreement or Permit With Completed Operations and 4
Primary and Non-contributory
SECTION 11—COVERAGE EXTENSIONS 5
A. Supplementary Payments Extension 5
B. Alienated Premises 6
C. Broad Form Property Damage Legal Liability(Damage to Premises Rented to You) 6
D. Broad Form Property Damage—Borrowed Equipment, Customers' Goods, Use of 6
Elevators
E. Incidental Malpractice—Employed Nurses, EMT's and Paramedics 6
F. Personal and Advertising Injury—Broad Form 7
G. Product Recall Expense
Product Recall Expense Each Occurrence Limit$25,000 7
Product Recall Expense Aggregate Limit$50,000
Product Recall Deductible$500
H. Who is an Insured Amended
"Employees" Redefined 9
Subsidiaries
Newly Acquired or Formed Organizations—180 Days
I. Limits of Insurance Amended: 9
Aggregate Limits of Insurance Per Location
J. Blanket Waiver of Subrogation 10
K. Unintentional Failure to Disclose Hazards 10
L. Unintentional Failure to Notify/Knowledge of an Occurrence 10
M. Medical Expenses—Three Years to Report 10
822-0001 08 25 Includes copyrighted material of the Insurance Services Office Inc.with its permission. Page 1 of 16
Copyright 2025 The Hanover Insurance Company.All Rights Reserved.
Insured Copy
SECTION III—ADDITIONAL CONDITIONS 10
A. Liberalization 10
B. Concealment, Misrepresentation or Fraud 10
C. Insurance Under Two or More Coverages 10
SECTION IV—EXCLUSIONS 11
A. Coverage A—Bodily Injury and Property Damage Liability and Coverage B—Personal and 11
Advertising Injury Exclusions
Access Or Disclosure Of Confidential Or Personal Material or Information 11
Aircraft Products, Grounding and Testing 11
Cyber Content Incident 11
Professional Services 12
Unmanned Aircraft 12
Violation of Law Addressing Data Privacy 12
B. Coverage A—Bodily Injury and Property Damage and Coverage C—Medical Payments 13
Exclusions
Nuclear Energy Liability 13
C. Amended Exclusion With Coverage Extension 14
Aircraft(Other Than Unmanned Aircraft),Auto or Watercraft 14
SECTION V—AMENDED DEFINITIONS 15
"Bodily Injury" 15
"Products—Completed Operations Hazard" 15
"Property Damage" 15
SECTION VI—ADDITIONAL DEFINITIONS 15
"Cyber Content Incident" 16
SECTION |—ADDITIONAL INSURED PROVISIONS c. Applies onm primary basis and we will not
A. Automatic Additional Insured Provisions seek contribution from any other insurance
available if that ia
|no|udin8PrimaryandNon'cunthbutm�y� '
required by an applicable vvh8en contract.
1 S�CUUW U VVHD |S /\N INSURED is
� — agreement orpermit.
amended ho include aoan insured any person
or organization described in paragraphs 4.o d. VViUnotbebromderihuncovemgepvovided
through 4.g. below, whom you agree 10 add ma to any other insured.
an Additional Insured. o. Does not apply if the "bodily injury",
2. Hmweve/, the insurance afforded to such ^property damage" or "personal and
Additional Insured described below: advertising injury" is otherwise excluded
from coverage under this Coverage pmd.
o. Only applies to the extent permitted bylaw. including any endorsements thereto.
b' Vi|| not be broader than the insurance
f. Does not apply to any person or
which you are required by the written organization included as an insured by
contract, agreement or pormii, if any, to
provide for such additional insured.
822-0001 08 25 Includes copyrighted material of the Insurance Services Office Inc.with its permission. Page 2nf16
Copyright 2ozoThe Hanover Insurance Company.All niomo neoomou.
Insured Copy
another endorsement issued by us and servicing as the vendor has agreed
made part of this Coverage Part. ho make or normally undertakes to
3. The most vvo will pay on behalf of the Additional make in the usual course of
Insured for a covered claim ia the lesser ofthe business in connection with the
amount ofinsurance: sale of the product;
a. Required by the applicable written contract, (f) Oemonotration, inata||aUmn,
agreement or permit, if any; or servicing or repair wpere\ions,
except such operations performed
b' Available under the applicable Limit* of at the vendo/n premises in
Insurance shown in the Declarations orany connection with the ua|m of the
endorsement to the policy. product;
4. Additional Insureds (Q) Products vvhioh, after distribution
The following persons or organizations qualify or sale by you, have been |mbo|od
ae additional insureds under this endorsement: or relabeled or used as m
The following is added to SECTION 11 _WHO oonioiner, part or ingredient ofany
IS AN INSURED: other thing or substance by or for
the vendor;
a. Broad Form Vendors '
(h) "Bodily irjur/' or "property
(1) Any person or organization that is m damage" arising out of the oo|o
vendor with whom you uQneod in u negligence of the vendor for its
written contract or e0nsamort to own acts or omissions or those of
include osanadditional insured under its employees or anyone else
this Coverage Part is an insured' but acting on its behalf. However, this
only with respect to liability for "bodily exclusion does not apply to:
injury^or"property damage"arising out ~
(i) The *xoupiiuna contained
pf^yourprodu�s^vvhioharediatribut*d
within the exclusion in
or sold in the regular course of the
vendor's business. paragraphs (d) or(0 above; or
(2) With respect to insurance afforded to (ii) Such inapeodonm,
such vondorm, the following additional adjuatnoente, tests or servicing
exclusions apply: as the vendor has agreed to
make or normally undertakes
The insurance afforded to the vendor to make in the usual course of
does not apply to: buoinmem, in connection with
(a) "Bodily irjury' or "property the distribution or sale of the
damage" for which the vendor is products.
obligated to pay damages by (i) "Bodily irjury" or "property
reasons of the assumption of damage" arising out of an
liability ina contract oragreement. ''occurrence"that took place before
This exclusion does not apply to you have signed the contract or
liability for damages that the agreement with the vendor.
insured would have in the absence
of the contract oragveemmnt �) Any insured person or
organization, from whom you have
(b) Any express warranty acquired such produoto, or any
unauthorized byyou; ingredient, part or container,
(o) Any physical or chemical change in entering into, accompanying or
the product made intentionally by containing such products.
the vendor; b. Co-owner of Insured Premises
(d) Rmpaokeging, unless unpacked Any person or organization who is o co-
solely for the purpose of owner of premises described in the
inepectiun, dumonstxation, testing, declarations. Such person(s) or
or the substitution of parts under organization(o) is an insured only with
instruction from the manufacturer, respect to their liability as co-owner of the
and then repackaged in the original co-owned premises.
container; c. Controlling Interest
(*) Any failure to make such
inspenUun, udjuotments, tests or
822-0001 08 25 Includes copyrighted material of the Insurance Services Office Inc.with its permission. Page nf10
Copyright 2nox The Hanover Insurance Company.All Rights Reserved.
Insured Copy
Any person or organization that has a B. Additional Insured by Contract, Agreement or
majority controlling interest in you, but only Permit With Completed Operations and Primary
with respect tn their liability arising out of: and Non-contributory
(1) Their financial control of you; or 1. Any person or organization who does not
(2) qua|Uy o� an Additional Insured in A.
Premises they own, maintain or control '
while you lease or occupy these Automatic Additional Insured Provisions
premises. Including Primary and Non-contributory, 4.
Additional Insureds, paragraphs a.through g.
This insurance does not apply tostructural above with whom you agreed in o written
alterations, new construction and
oontnaot, agreement or permit to odd as an
demolition operations performed by or for additional insured on your policy is an
such additional insured.
additional insured only with /eapad to liability
d' Mortgagee,Assignee, orReceiver for "bodily injury''. ''property damage", or
Any mortgagee, assignee orreceiver, but ^Peraona| and advertising injury" oauead, in
only with respect to their liability as vvhu|o or in part, by your mote or omissions, or
mortgagee, aaaignum, or receiver and the acts or omissions of those acting on your
arising out of the ownership, maintenance behalf, but only with respect to:
or use ofu premises byyou. m. Premises you own, rent, lease oroccupy;
This insurance does not apply iostructural b. Your ongoing operations for the additional
a|tarations, new construction or demolition insured(s) designated in the written
operations performed by or for such contract, agreement orpermit;
additional insured. ''
� o. Your work" included in the ^prnduoto'
e' Grantor ofFranchise completed operations hazand^. but only if:
Any person or organization who ioagrantor (1) The written oontrad, agreement o/
ofa franchise to you, but only with respect permit requires you to provide such
to their liability us grantor ofa franchise io coverage to the additional insured; and
you.
(2) This Coverage Part provides coverage
t Lessor of Leased Equipment for"bodily injury" or"property damage"
Any person or organization from whom you included within the ^pn»duoto-
|ma»m equipment is also an additional completed operations huzan]"
insured, but only with respect to liability for 2. The insurance afforded to such additional
"bodily injury". "property damage" or insured described above:
"personal and advertising injury"caused, in a. Only applies to the extent permitted bylaw.
whole or in part, by your maintenance,
operation or use of equipment leased to b. Will not be broader than the insurance
you by such person ororganization. which you are required by the written
contract,agreement or permit io provide for
Hmmuvar, the insurance afforded to such' such additional insured.
additional insured does not apply to any
^occurrence" that takes place after the o. Applies onu primary basis and we will not
equipment lease expires, seek contribution from any other insurance
available(o the Add1Uonu| Insured, if that ia
Q. K8ana0eror�ea�orofpnemiaeo required by the written contract,agreement
Any person or organization from whom you or permit.
lease premises is also an additional d. Does not apply if the "bodily in)ury^,
inoux*d, but only with respect to liability ^propmrty damage", or "personal and
arising out of the ownership, maintenance advertising injury" arises out of sole
or use of that part of the premises leased to negligence of the additional insured.
you.
o. Will not be broader than coverage provided
However,this provision does not apply to� to any other insured.
(1) Any"000urrenue"that takes place after f. Does not apply if the ''bodily irjury'',
you cease to be a tenant in the ^propudy damage" or "personal and
premises. advertising injury" is otherwise excluded
(2) Structural alterations, new construction from coverage under this Coverage Part,
or demolition operations performed by including any endorsements thereto.
or for such additional inoured(u).
822-00010825 Includes copyrighted material of the Insurance Services Office Inc.with its permission. Page 4of16
Copyright 2o2o The Hanover Insurance Company.All Rights Reserved.
Insured Copy
g' Does not apply unless the written contract 2. Available under the applicable Limits of
or agreement was executed o/ permit was Insurance shown in the Declarations orany
issued prior to the "bodily irjury". "property endorsement hn this policy.
damage", or "personal and advertising i*in� This provision ahanot increase the applicable
injury". Limits of Insurance shown in the Declarations.
h. Ooaa not apply to any person or SECTION {|—COVERAGE EXTENSIONS
organization included as an insured by
another endorsement issued by us and A. Supplementary Payments Extension
made part of this Coverage Part. SECTION | — COVERAGES, SUPPLEMENTARY
i. Does not apply to any lessor ofequipment PAYMENTS—COVERAGES 4 AND B. paragraph
after the equipment lease expires. 1. ie replaced by the following:
]. Does not apply toany: 1. We will puy, with respect to any claim we
investigate or settle, or any "ouk" against an
(1) Owners or other interests from whom insured vvedefend:
land has been leased if the
^000u//enou''takes place or the offense a. All expenses vveincur.
ia committed after the lease for the land b. Upto$25U8 for cost of bail bonds required
expires; or because of accidents or traffic law
(2) Managers mr lessors of premises if: violations arising out of the use of any
vehicle to which Bodily Injury Liability
(m) The ^onournenoe" takes place or Coverage applies. We du not have to
the offense is committed after you furnish these bonds.
cease to be a tenant in that
n Th* ooatofbondator*|easoodochments
premises; or ' '
butonly for bond amounts w�hinour Umit
(b) The "bodily injury". "property
damoyo^. "personal and of Insurance. We do not have to furnish
these
advertising injury" arises out of
structural a|(eradwnu, new con- d. All reasonable expenses incurred by the
atruction or demolition operations insured a\ our request toassist us in the
performed by or on behalf of the investigation or defense of the claim or
manager orlessor. ''auit', including actual |oaa of earnings up
h. Does not apply to "bodily injury", "property $500 o day because of time off from
work.
damage" or "personal and advertising
injury" arising out of the rendering oforthe e. All court costs taxed against the insured in
failure to render any professional services. the"suit". However,these payments donot
include attorneys' fees or attorneys'This exclusion applies even if the claims expenoaa�axedagainutthoinourud�
against any insured uUegenegligence orother
wrongdoing in the aupmmiaion, hihng, f. Prejudgment interest awarded against the
employment,training or monitoring of others by insured on that part nf the judgment we
that insured, if the ^occurnenoe'' which caused pay. Kw* make an offer to pay the Limit o/
the "bodily injury" or "property damage" orthe Insurance,wm will not pay any prejudgment
offense which caused the "personal and interest based on that period of time after
advertising injury" iheo�er involved the rendering of or .
failure to render any professional services byor Q. All interest on the full amount of any
for you. judgment that accrues after entry of the
3. With respect to the insurance afforded brthese judgment and before wo have paid, offered
additional insureds, the following im added to to pay, or deposited in court the part ofthe
SECTION O|—UK8|TS OF INSURANCE: judgment that is within our Limit of
Insurance.
The most vve will pay on behalf of the additional
insured for m covered claim ie the lesser ofthe These payments will not reduce the Limits of
amount ofinsurance: Insurance.
1. Required by the written contract, B. Alienated Premises
agreement or permit described in B. SECTION | — COVERAGES, COVERAGE /\ —
Additional Insured by Contract, BODILY INJURY AND PROPERTY D&0N/4GE
Agreement or Permit With Completed LIABILITY,2.Exclusions,j. Damage toProperty,
Operations and Primary and Non' paragraph (2) is replaced by the following:
contributory, paragraph 1. or
822-0001 0825 Includes copyrighted material of the Insurance Services Office Inc.with its permission. Page 5nf18
Copyright 2n2n The Hanover Insurance Company.All Rights Reserved.
Insured Copy
(2) Premises you sell,give away ur abandon, ifthe 5. This coverage does not apply if Damage to
^propehy damage" uhoea out of any part of Premises Rented 0oYou is excluded either by
those premises and occurred from hazards that the provisions of the Coverage Part or by
were known by you, or should have reasonably endorsement.
been known by you, et the time the property D. Broad Form Property Damage — Borrowed
was transferred o/abandoned.
Equipment, Customers' Goods, Use of
C. Broad Fomn — PmopertyDamago Legal Liability Elevators
(Damage to Premises Rented toYou) i. The following is added to SECTION | —
1. SECTION |—COVERAGES, COVERAGE /\— COVERAGES. COVERAGE /\ — BODILY
BODILY INJURY AND PROPERTY DAMAGE INJURY AND PROPERTY DAMAGE
L|40UTY. the last paragraph (after the LIABILITY, 2. Exclusions, j. Damage to
exclusions) io replaced by the following: Property:
Exclusions o. through n. do not apply to Paragraph (4) does not apply to "property
damage to premises while rented to you or dammge" to borrowed equipment while at a
temporarily occupied by you with the jobeiie and not being used to perform
permission of the owner. A separate limit of operations.
insurance applies to this coverage aodescribed
Paragraphs (3)' (4) and (8) do not apply to
in SECTION U|— L|K8\T8 OF INSURANCE.
''property damage"to^ouotomom' goods"while
2. SECTION ||| — LIMITS OF |NSURANCE, on your premises.
panagnaphG is' � Paragraphs (3), (4) and (G) do not apply tothe
H' TheDamagmtoPremisuaRentedtoYou— use nfelevators.
Any One Premises Limit iu the most w*will 2. For the purposes of this endoroamont, the
pay for damages because of "property following definition is added to SECTION V —
damaga"toanyonepremiuesvvhi|enented DEFINITIONS:
to you or temporarily occupied by you with
permission of the owner. 1. ^Cuehzmom' goode" means property of
The Damage to Premises Rented to You— your customer(s) on your premises for the
purpose ofbeing:
Any One Premises Limit:
a. |e not subject io the General Aggregate a. Worked on; or
Limit described in SECTION ||| — b. Used in your manufacturing process.
LIMITS OF UNSURA0CE, 2. General 3. The insurance afforded under this provision is
Aggregate Limit; and excess over any other valid and collectible
b. Is not subject (othe Each Occurrence property insurance (including deductible)
Limit described in SECTION ||| — available to the insured whether primary.
LIMITS OF INSURANCE, 5. Each excess, contingent oron any other basis.
Occurrence Limit. E. Incidental Malpractice — Employed Nurses,
3. SECTION |V — COMMERCIAL GENERAL EK8T'a and Paramedics
LIABILITY CONDITIONS,4.Other Insurance, With respect to the COMMERCIAL GENERAL
b. Excess Insurance, paragraph (m)(ii) is LIABILITY COVERAGE form, SECTION J|—WHO
replaced by the following: IS AN INSURED, paragraph 2.o.(1)(d) and with
roepect (uthu SMALL COMMERCIAL LIABILITY
That is property insurance for premises
rented to you or temporarily occupied by COMPANION endorsement, SECTION |V —
��CLUS|[)M� 4
you with permission of the owner; or ' A. Professional Services donot
apply to o nurse, emergency medical technician or
4 SECTION \/ — DEFINITIONS, H "Insured
' ' ' pemmediuemp|oyedbyyouifyouumanotungegmd
contract", paragraph a. is replaced by the in the business or occupation of providing mediou|,
following: in
surgical, dentm|, x-ray or nursing
m. A contract for o lease of premises, eenimaa.
However, that portion uf the contract for a F. Personal and Advertising Injury—Broad Form
lease of premises that indemnifies any
person or organization for damage to 1. SECTION—COVERAGES' COVERAGEB
—
premises while rented 0o you ortemporarily PERSONAL AND ADVERTISING INJURY
occupied by you with permission of the U4�|L|�y' 2' Exclusions, e' Contractual
owner is not an ''insured contract". Liability is deleted.
822-0001 08 25 Includes copyrighted material of the Insurance Services Office Inc.with its permission. Page Vuf16
Copyright m25 The Hanover Insurance Company.All Rights Reserved.
Insured Copy
2. SECTION V — DEFINITIONS, 14. "Personal J such pmduut, work or property is
and advertising injury', paragraph b. is withdrawn or recalled from the market or
replaced by the following: from use by any person or organization
b. Malicious prosecution or abuse ofprocess. because ofa known or suspected defect,
dehoienoy, inadequacy or dangerous
3. The following is added to SECTION V — condition in it, but this exclusion does not
DEFi0/O<3WS' 14. "Personal and advertising apply to"product recall expenses" that you
injury'': incur for the "covered naouU^ of ''your
"Discrimination" (unless insurance thereof is product"if the"covered recall"was initiated
prohibited by law) that results in injury to the during the policy period.
feelings or reputation of natural person, but Hnvvavur. the exception to the exclusion
only if such ^diaoriminaUon^ is: does not apply tu"product recall expenses"
(1) Not done intentionally byorat the direction resulting from:
of: (4) Failure of any products to accomplish
(a) The insured; their intended purpose;
(b) Any officer ufthe corporation, director, (5) Breach ofwarranties of fitness, quo|ity,
stockholder, partner ur member ufthe durability orperformance;
insured; and (G) Loss of customer approval, or any cost
(2) Not directly or indirectly related to an incurred to regain customer approval;
^emp\oyee''. nor to the employment, (7) Redistribution or replacement of"your
prospective employment ortermination of product" which has been recalled by
any person or persons byaninsured. like products orsubstitutes;
4. For purposes of this endorsement,the following (D) Caprice ur whim of the insured;
definition is added to SECTION V —
D��|�|��ONS� (D) Aoondihon likely to cause loss ofwhich
any insured knew or had reason to
1' "Discrimination" means the unlawful know at the inception of this insurance;
treatment ofindividuals bused upon mue.
color,ethnic origin,gender,religion,age,or (1U)Aaboatoa. including |oaa. damage or
sexual preference. "Discrimination" does clean up resulting from oabeahoa or
not include the unlawful treatment of asbestos containing materials; or
individuals based upon developmental, (11)Rmoa|| of"your products" that have no
phyeioa|, oognihve, menta|, sensory or known or suspected defect oo|ok/
emotional impairment or any combination because m known or suspected defect
of these. in another of"your products" has been
5. This coverage does not apply if liability found.
coverage for"personal and advertising injury"is 2. The following ia added to SECTION || —WHO
excluded either by the provisions of the |SAN INSURED, paragraph 3.b.:
Coverage Form or any endorsement thereto. "Product recall expense" arising out of any
G. Product Recall Expense withdrawal or recall that occurred before you
1. SECTION |—COVERAGES, COVERAGE A_ acquired or formed the organization.
88D|[Y INJURY AND PROPERTY DAMAGE 3. The following is added to SECTION U| —
LIABILITY, 2. Exclusions, n. Recall of LIMITS 0FINSURANCE:
Products, Work or Impaired property is Product Recall Expense Limits ofInsurance
replaced by the following:
a. The Limits of Insurance shown in the
n. Beua|| of Products, Work or Impaired SUMMARY OF COVERAGES of this
Property endorsement and the rules stated below fix
Damages claimed for any |uae, cost or the most that wm will pay under this Product
expense incurred by you or others for the Ruoa|| Expense coverage regardless ofthe
|ooa of use, vviihdnmwa|, naoa||, inupection, number of:
rmpair, replacement, adjustment, removal' ' ' (1) Insureds;
or disposal of:
C8 "Covered Recalls" initiated; cv
(1) "Your product";
(3) Number of "your products" withdrawn
(2) "Your wmrk"; or orrecmUed.
CB "Impaired property";
822-00010825 Includes copyrighted material of the Insurance Services Office Inc.with its permission. Page 7of1V
oopvriomzoon The Hanover|novmnm+Company.All mgmn uosnmeu
Insured Copy
b` The Product RuomU Expense Aggregate CONDITIONS, 2. Duties in the Event of
Limit ie the most we will reimburse you for Occurrence, Offense, Claim orSuit:
the sum of all "product neco|| expenses"
You must see toit that the following are done in
incurred for all "covered veuaUa^ initiated
the event of an actual or anticipated "covered
during the policy period. nuom||" that may result in "product recall
c. The Product Recall Each Occurrence Limit expense":
is the most we will pay in connection with
(1) Give us prompt notice of any discovery ur
any one defect ordeficiency. notification that "your product" must be
d. All "product recall expenses" inconnection withdrawn or recalled. Include udescription
with substantially the same general harmful of "your pvoduoL" and the reason for the
condition will bo deemed to arise out ofthe withdrawal orroua||�
.
same defect or deficiency and considered
"occurrence". (2) Cease any further n*|oaae, ohipment,
one 000urvenoo . consignment or any other method of
e. Any amount reimbursed for"product recall distribution of like or similar products until it
expenses" in connection with any one has been determined that all such products
''occurrence" will reduce the amount ofthe are free from defects that could beacause
Product Recall Expense Aggregate Limit of loss under this insurance.
available for re.imburuemmnt of "product 5. For the purpose of this endorsement, the
recall expenses" in connection with any following definitions `
nitiona oruad udtn SECTION V
other defect urdeficiency. —DEFINITIONS:
f. If the Product Recall Expense Aggregate 1. "Covered nuoa||^ means a nauaU or
Limit has been reduced by reimbursement withdrawal made necessary because you
of"product reuu|| expenses" to an amount or government body has determined that
that is less than the Product Recall
a known or suspected defect, deficiency.
Expense Each Occurrence Limit, the inadequacy, or dangerous condition in
remaining Aggregate Limit ie the most that ^your product"has resulted orimreasonably
will be available for reimbursement of
expected to result in "bodily injury" or
^produot recall expenses" in connection '' ''
property damage".
with any other defect ordeficiency.
2. "Product recall expenae(o)'' means:
Q' Product Recall Deductible
a. Necessary and reasonable expenses
VVo will only pay for the amount nf"product for:
recall expenses"which are in excess ofthe
$500 Product Recall Deductible. The (1) Cnmmuninotiono, including radio
Product Heoa|| Deductible applies or television announcements or
smpunab*|y to each "covered recall". The printed advertisements including
limits of insurance will not be reduced by siationary, envelopes and
the amount of this deductible. postage;
VVe may,or will if required by law, pay all or (2) Shipping the recalled products
any pod of any deductible amount, if from any pumhmaer, distributor or
applicable. Upon notice of our payment of user to the place or places
a deductible amount, you shall promptly designated byyou;
reimburse ua for the part of the deductible (3) Remuneration paid tu your regular
amount wmpaid. ^emp|oyeeu^ for necessary
�
The Product Recall Expense Expenoe Limits of
Insurance apply separately to each (4) Hiring additional pomona, other
consecutive annual period and to any than your regular''mmp|oyees'';
remaining period of (eay than 13 months, (5) Expenses incurred by^emp|oymeo^
starting with the beginning of the policy period including transportation and
shown in the Deo|arutiona, un|uaa the policy accommodations;
period is extended after issuance for on
additional period of less than 12 months. |nthat (G) Expenses to rant additional
case, the additional period will be deemed part warehouse o/storage space;
of the last preceding period for the purposes of (7) Disposal of"your produot^' but only
determining the Limits ofInsurance. to the extent that specific methods
4. The following is added to SECTION |V — of destruction other than those
COMMERCIAL GENERAL LIABILITY employed for trash discarding or
822-0001 0825 Includes copyrighted material nr the Insurance Services Office Inc.with its permission. Page Vof16
Copyright 2o2*The Hanover mau,anvo company.All Rights noonrvnu
Insured Copy
disposal are required to avoid c. Before you maintained an ownership
"bodily injury" or "property interest or more than 50% in such
damage" as a result of such subsidiary; or
disposal, d. After the dub*, if any, during the policy
you incur exclusively for the purpose of period that you no longer maintain an
recalling "your produot^; and ownership interest of more than 50Y6 in
b. Your |oe\ profit resulting from such such subsidiary.
"covered recall". 4. Nmvv|yAcquiredorFornmedOrganizations—
S. This Product Recall Expense Coverage does 180Qays
not apply: SECTION || — WHO IS AN INSURED,
a. If the "products — completed operations paragraph 3.a. ie replaced by the following:
hazurd" is excluded from coverage under a. Coverage under this provision is afforded
this Coverage Part including any only until the 180m day after you acquire or
endorsement thereto; or form the organization or the end of the
b. To "product recall mxpunoo" arising out of policy perind,whichever is earlier.
any of ''your pruductn" that are otherwise |. Limits mf Insurance Amended
excluded from coverage under this General Aggregate Limits of Insurance per
Coverage Part including endorsements. Location
H. Who iean Insured Amended The following iu added kz SECTION III—LIMITS OF
1. SECTION || — WHO IS AN INSURED, INSURANCE:
paragraph 2.a.(1)(d) is replaced by the A »apunaia Location General Aggregate Limit
following: applies to each ''|ooadon'' owned byorrented to
' (d) Arising out ofhis or her providing or failing you. and that limit is equal to the amount of the
(o provide professional services. General Aggregate Limit shown\n the Declarations.
2. Insured Employee Extension The Location General Aggregate Limit is the most
The following is added to SECTION || _WHO we will pay for the sum of all damages under
Coverage A, except damages because of "bodily
IS AN INSURED, panmgraph2.a.(1)(�)� '
injury" or "property damage" included in the
With peeped to "bodily injury" only, the "prod ucta-oomp|eted operations hazavJ^, and for
limitations above do not apply to your medical expenses under Coverage C regardless of
"emp|uyeae" as insureds with respect to the number of:
damages caused by cardiopulmonary
' Insureds;
�
resuscitation orhmtaid amn/ioeo administered
'
by such on ^emp\oyee^ b. Claims made or''ouito" brought; or
3. VVhuisan |nsured—Gubsidiaries o. Persons or organizations making claims or
The following is added to SECTION || _WHO bringing "suits".
|SA0INSURED: Any payments made under Coverage A for
Subsidiaries damages or under Coverage C for medical
expenses ohm|| reduce the Location General
Any of your aubaidiarien, other than a Aggregate Limit for that "location". Such payments
partnership or joint venture, that is not shown ehu|| not reduce the General Aggregate Limit
as a Named Insured in the Declarations is a shown in the Declarations nor shall they reduce any
Named Insured if: other Location Sanem| Aggregate Limit for any
o. You maintain on ownership interest ofmore other''|uoahon"
than bO%in such subsidiary nn the first day The limits shown in the Duo|onutiuns for Each
of the policy period; and Occurrence and Medical Expense continue to
b. Such subsidiary is not an insured under apply-
similar other insurance. Howevur, instead of being subject to the General
No such subsidiary is on insured for "bodily Aggregate Limit shown in the Dec|onationa, such
injury' or "property damage" that occurred, or limits will be subject to the applicable Location
"personal and advertising injury" caused by an General Aggregate Limit.
offense committed: "Location" means premises involving the same or
connecting |otm, or premises whose connection is
822-0001 0825 Includes copyrighted material of the Insurance Services Office Inc.with its permission. Page 8of18
convnom2oza The Hanover|noumnno Company.All n|uhm noo"mvu.
Insured Copy
interrupted only bye atn+et, roadway, waterway or (b) The expenses are incurred and reported to us
hght-of-wayofarailroad. within three years of the date of the accident;
J. Blanket Waiver ofSubrogation and
The following is added to SECTION K/ _ SECTION III—ADDITIONAL CONDITIONS
COMMERCIAL GENERAL LIABILITY The following are added to SECTION [V —
CONDITIONS, O.Transfer o7Rights of Recovery COMMERCIAL GENERAL LIABILITY CONDITIONS:
Against Others to Us: A. Liberalization
We waive any right of recovery we may have If,within 45 days prior toor during the policy period,
against any person or organization with whom you we adopt any revision that would broaden the
have a written oon(naot, agreement or permit to coverage under this policy without additional
waive any rights of recovery against such person or premium, the broadened coverage will immediately
organization because of payments we make for apply to this policy.
injury or damage arising out of your ongoing
operations or ''your work" done under a contract B. Concealment, Misrepresentation or Fraud
with that person or organization and included inthe This policy ia void in any case of fraud by you aaii
^prod uote-oomp|eted operations hazard" relates iu this policy ot any time. Kis also void |fyou
This condition does not apply tn Medical Expenses or any other innunad, at any time, intentionally
Coverage. conceal or misrepresent a material fact concerning:
K. Unintentional Failure to Disclose Hazards 1. This policy;
SECTION |V — COMMERCIAL GENERAL 2. The Covered Property;
LIABILITY CONDITIONS, G. Representations is 3. Your interest in the Covered Property; or
replaced by the fo||nwing�
� 4. Ac|aim under this policy.
G. Representations C. Insurance Under Two or More Coverages
We will not disclaim coverage under this It is our stated intent that the various Coverage
Coverage Part if you fail to disclose all hazards Parts, forms, endorsements or policies issued to
existing as of the inception date of the policy the named insured by us, or any company ufD|ioted
provided such failure ia not intenU �onu|
with us,du not provide any duplication or overlap of
L. Unintentional Failure to Notify/Knowledge of an coverage for the aum* claim, ^muiY'. ''oocurnynoe''.
Occurrence offense,accident,"wrongful act"or loss.VVe will not
The following is added to SECTION IV _ Pay more than the actual amount of the |oaa or
COMMERCIAL GENERAL LIABILITY damage.
CONDITIONS, 2. Duties in the Event of If this Coverage Part and any other Coverage Part,
Occurrence, Offense, Claim or Suit, paragraph form, endorsement or policy issued to the named
a.: insured by us, or any company affiliated with ue.
Your rights afforded under this Coverage Part shall apply Lo the same claim,^ouiY'.occurrence,offense,
not be prejudiced if you fail io give um notice ufan accident, "wrongful act" or loss, the maximum Limit
''uccurnunoo^. offenoe, claim or ^ouit'", solely due to of Insurance under all such Coverage Purts, forme.
your reasonable and documented belief that the endorsements or policies combined aheU not
"bodily injury^. "property damage" or"personal and exceed the highest applicable Limit of Insurance
advertising injury" is not covered under this under any one Coverage ps¢ form, endorsement
Coverage Part. or policy.
Knowledge of an ^000u/renoa" or offense by an This condition does not apply to any Excess or
agent or "employee" of the insured will not Umbrella Policy issued by us specifically to apply
constitute knowledge by the insunyd, unless an ao excess insurance over this policy.
^executive officer"of the insured knows about such SECTION |V—EXCLUSIONS
occurrenoe" or offense. Failure of an agent or*mp|uyue^of the inouned A. The following are added to SECTION | —
other'officer" of the inauned, to notify us of an ` CDVERAGEA—BOD|LY|NJUHY
PROPERTY^000urronoe.. or offense that such person knows AND Exclusions SECTION | — COVERAGES,
DAMAGE L|A0UTY--��—
' 2.
about will and not COVERAGE
B — PERSONAL AND
M. Medical Paymnmnts—ThneuYemra to Report ADVERTISING INJURY, 2. Exclusions:
SECTION | — COVERAGES. COVERAGE C — Access Or Disclosure Of Confidential Or
MEDICAL PAYMENTS, 1. Insuring Agreement, Personal K8abario| Or Information
paragraph o.(3)(b) ia replaced by the following:
822-0001 0825 Includes copyrighted material m the Insurance Services Office Inc.with its permission. Page 1Vof1O
Copyright oouo The Hanover Insurance Company.All Rights Reserved.
Insured Copy
Damages arising out of any access tocxdisclosure (b) lGrounding^ means the withdrawal ofone
of any poraon's or orgunizotion's confidential or or more aircraft from flight operations orthe
personal information, including: imposition of apeed, passenger or load
(1) Patents, trade secrets, restrictions on such aimraft processing methods, , due to the
customer lists;eta� existence of or alleged or suspected(2) Financial information, credit card information; existence of any defect, fault orcondition:
(i) In such aircraft or any part sold,
(3) Health information, biomebio information; ur handled or distributed by you or that io
WU Any other type of nonpublic material or manufuuiured, assembled or
information. processed by any other person or
This exclusion applies even if damages are claimed organization according to your
for notification codo, credit or identity monitoring spooificadions, p|anm, euggmedone,
mxpenees, forensic expenses public relations orders or drawings; or
oxponaas, data restoration expenses, extortion (ii) With too|a, machinery or other
expenses or any other loss, coat or expense equipment furnished to such persons
incurred by you or others arising out of any access or organizations byyou;
toor disclosure nf any poraon'aorongmnizotio»'e whether such withdrawn aircraft are owned
confidential or personal material orinformation. or operated by the same or different
Aircraft Products, Grounding and Testing persons ororganizations.
(1) "Bodily injury^. "property damage" or"personal ''Grounding''shall ba deemed tocommence
and advertising injury" arising out of: on the date of an ''000urrencu" which
disdooeathenooeonityof^grounding^uron
(u) "Aircraft products" or reliance upon any
the date an aircraft ia firstwithdrawnfromropreuentahunorwarronh/modmvvithauch
product;
aon/ioe because of such condition,
whichever comes first.
(b) The"grounding" of any aircraft; or
(c) 7eaUng^ means examination, observation,
(c) The"teaUnA^of any aircraft. evaluation or nnououhng of the
(2) For purposes of this Exr|uoion, the following performance of "aircraft products", while
definitions apply: either in the air nron the ground.
^ �rContent C b | id
(a) "Aircraft Products" m*una� yIncident
(i) Airoruft, including but not limited to "Bodily injury", ''property damage" or"personal and
mioai|ua, npem*urmft, or any other advertising injury" caused by, arising out oforan a
aircraft goods or products you consequence ofo ^oybar content inoidunt".
manufacture, sell, handle ordistribute; This exclusion applies even if damages are claimed
(ii) Aircraft and any ground support or for notification coata, credit or identity monitoring
control equipment used in connection oxpenmaa, forensic axpanaea, public relations
therewith; expensee, data restoration expenses, extortion
(III) Any product provided by the insured expenses or any other similar cost or expense
and installed or used in connection with
incurred by you or others arising out ofu "nybe/content incident"
any aircraft; .
(iv) Any tooling used in respect to any Cyber Incident Exclusion
aircraft; "Bodily irjury^. "property damage"or"personal and
odwerUaingi�u�" caused by ahain8out oforaaa
�� Training and navigational aids, '
consequence of ^cyberinciden� This exclusion
instructions, manuals, blueprints,
' 'engineering or other data inconnection claimed mpp|imeeven ifdomogea are for notification
credit or identity monitoring expenses,
v��hunyai/o/o�� costs, '
forensic expenses, public relations expenses, data
(vi)Any advice, aemioo or labor supplied restoration expennea, extortion expenses or any
with any aircraft; or other similar cost or expense incurred by you or
(vii)Servioeoyou or others trading under others arising out ofa"oyberincident".
your name provide or recommend for Professional Services
use in the manufacture, repair, "B
odily
operation, maintenance or use of ' '
' advertising injury" caused by the rendering of or
aircraft
. failure io render any professional service, advice or
instruction:
822-00010825 Includes copyrighted material w the Insurance Services Office Inc.with its permission. Page 11of16
Copyright onzn The Hanover Insurance Company.All Rights Reserved.
Insured Copy
(1) By any ineured� or wrongdoing in the supervision, hihng.
On emP|oymon��oiningormonknhngofothemby
' ' that insured. if the ^ouounano*^ which caused
(8) From whom any insured assumed liability by the "bodily injury" ur "property damage" orthe
reason ofa contract oragreement, offense which caused the "personal and
nagend|eoo of whether any such service, advice or advertising injury" involved the ownerohip,
instruction in ordinary to any insu/ed'n profession. muintenance, use or entrustment to others of
Professional services include but are not limited to: any aircraft that i«an "unmanned ainnafY'
(4) Lmgm|' accounting o/ advertising uen/ioua' This paragraph does not apply to:
notory, title abotnaot, tax preparation, roo| (u) The use of mnuther'a advertising idea in
oateta, utockbnoker, pub|iohinQ, architects or your''advmrtioemenf'; or
insurance services;' (b) Infringing upon anniher'o copyright, trade
(5) Pn*pmring, upprnving, or failing to prepare or dress wrslogan in your"advertisement".
approve maps, drawings, opinions, reports,' ' ' (2) For purposes of this endorsement,the following
aun/eys, change urdens, designs or iu added to SECTION l/—DEFINITIONS:
specifications; "Unmanned aircraft" means an aircraft that iu
(G) Supupvinory, inspection or engineering not:
services; (a) Designed;
(7) Any medical, surgical, dental, x-ray, numing,
h*u|\h or therapeutic aorvioua. treatment, (b) Manufactured; or
advice orinstruction including, but not limited (o) Modified after manufacture;
to, the preocribing, furnishing or dispensing of to be controlled directly bye person from within
drugs; or on the aircraft.
(8) Any service,treatment, advice or instruction for Violation Of Law Addressing Data Privacy
the purpose of appearance or skin
enhancement, hoirremova| orrep|aoemen( or "Bodily in)ury^.^p»opahydomage''.or''pamono|and
personal grooming, including body piercing advertising injury"arising directly or indirectly out of
services or use or exposure to any sun |emp, any action or omission that violates or is alleged to
�t!ioaa
�
tanning booth or other similar appliance; violate:
(1) Any fo�mna| state or |oom| statute, ordinmnom
(8) Optometry or optical or hearing aid services ' '
including the pnaaoribing, pnyparaUon, fitting, regulation or other law that addneoaua,
demonstration or distribution of ophthalmic prohibits, or limits access to, use of or the
|mnuoo and similar products or hearing aid Printin0, divaaminmhon, diopnpo|, obtaining,
devioeo oo||ecting, storing, safeguarding, recording,
' retention, sending, transmitting,(1O) Semiousinihapruoticeofphannaoy; oommunioating, selling or distribution of any
(11) Management, Human Resource, TesiinQ, pemon'u or organizaton'a confidential or
Media ur Public Relations consulting services. personal material or information, including
This exclusion applies oven if e claim alleges financial, haa|ih, biomothoor other nonpublic
negligence or other wrongdoing in the supervision, material orinformation.
hiring, employment,training or monitoring ofothers Any such fodera|, state or |000| otatuio,
byan insured, if the''000unenoo^which caused the ordinance, regulation or other law includes but
"bodily injury" or"property dumage^. or the offense ia not limited to:
which caused the "personal and advertising injury"
' (a) The Illinois Biometho Information Privacy
involved the rendering of or failure to render any Ad 8|pA), including any amendment of or
�
professional service. `
addition tn such law; or
Unmanned Aircraft
(b) The California Consumer Privacy Act
(1) "Bodily injury/. "property damage" or"personal (CCPA), including any amendment of or
and advertising injury" arising out of the addition to such law; or
ownership, maintenance, use or entrustment to `2) /\ny law ofu jurisdiction other than the United
others of any aircraft that is on "unmanned
Status of America (including its territories and
eircraft^ Use includes operation and "loading� possessions) or Puerto Rico that is similar to
and un|oeding^
. any s(otute, ordinance, regulation or other law
This paragraph applies even if the claims described in paragraph (1)above, including but
against any insured allege negligence orother
822-0001 0825 Includes copyrighted material ov the Insurance Services Office Inc,with its permission. Page 12of1O
Copyright coza The Hanover Insurance Company.All Rights Reserved.
Insured Copy
not limited to the European Union'e General stored, transported or disposed ofbyoron
Data Protection Regulation. behalf ofon insured; or
B. The following is added to SECTION | — (o) The "bodily injury" or "property damage"
COVERAGES, COVERAGE/\—BODILY INJURY arises out of the furnishing bymn insured of
AND PROPERTY DAMAGE U40L|TY. 2. aervicea, matohu|s, parts or equipment in
Exclusions and SECTION | — COVERAGES. connection with the planning, construction,
COVERAGE C — MEDICAL PAYMENTS, 2. maintenance, operation o/ use of any
Exclusions: "nuclear facility"; but if such facility is
Nuclear Energy Liabilitylocated within the United States of
Am*hoo, its kanitohoo or possessions or
(1) "Bodily injury" or"property dama0e^: Canada, this Exclusion (3) applies only to
(a) With respect hz which on insured under the "property damage"Vo such"nuclear facility"
policy is also an insured under a nuclear and any property thereat.
energy liability policy issued by the Nuclear
(4) Ae used in this exclusion:
Energy Liability |naumnom Association,
Mutual Atomic Energy Liability
(a) "By-product material" has the meaning
Underwriters or Nuclear Insurance given itin the Atomic Energy Act of1054or
Association of Canada, or would be an in any law amendatory thereof;
insured under any such policy but for its (b) "Hazardous properties" include
termination upon exhaustion of its limit of nodi000tive,toxic orexplosive properties;
liability; or
(o) "Nuclear facility" means:
(b) Resulting from the "hazardous properties" Any.nudemrnaad �o ;
of "nuclear material" and with reaped to `'
which: (ii) Any equipment ordevice designed or
(i) Any person or organization iarequired used for:
to maintain financial protection 1) Separating the isotopes ufuranium
pursuant to the Atomic Energy Act of or plutonium;
1A54. or any law amendatory thereof; 2) Processing wr utilizing "spent fuu|'';
or or
(ii) The insured is, or had this policy not 3) Hmnd/ing, processing or packaging
been issued would be, entitled to "waste";
indemnity from the United States of
(iii)Any equipment or device used for the
Amorico, or any agency thereof, under processing, fabricating or alloying of
any agreement entered into by the "special nuclear material"ifat any time
United States of &meriou, or any the total amount of such material inthe
agency thoruof, with any person or custody of the insured et the premises
organization. where such equipment or device is
(2) Under COVERAGE C — MEDICAL located consists of or contains more
PAYMENTS,expenses incurred with respect to than 25 grams of plutonium oruranium
"bodily injury" resulting from the "hazardous 233 or any combination thereof, or
properties"of"nuclear material"and arising out more than 250 grams of uranium 235�
of the operation of a "nuclear facility" by any
(iv)Any a\ruuiuna, baein, mxoavahon,
person ororganization. premises or place prepared or used for
(3) "Bodily injury" or "property damage" resulting the storage or disposal of''waatm^;
from the"hazardous properties" of the"nuclear and includes the site un which any ofthe
material"; if:� foregoing is |ooated, all operations
(a) The "nuclear makriol": conducted on such site and all premises
�
(i) |oet any"nuclear ta�|i� used facility"
operated byoron behalf of,mninsured; (d) "Nuclear material" means "source
or motohal^. "special nuclear material"or^by-
product(ii) Has been discharged or dispersed
therefrom; (e) "Nuclear reactor" means any apparatus
deaignodoruaed�oau�ainnuo|emr�ooion
(b) The "nuclear material" is contained in
"spent fuel" or '\woeto" at any time in a self-supporting chain reaction or to
poaueoaud, hond|ud, used, proceaeed, contain u ohhoa| muoa of fissionable
material;
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Copyright ou2sThe Hanover Insurance Company.All Rights n000meu.
0l "Property damage" includes all forms of 00 Not being used to ouny persons or
radioactive contamination ofproperty. property for acharge;
(g) "Source material" has the meaning given i( (c) Parking an "auto" on, orun the ways next
in the Atomic Energy Act of 1854 or in any to, premises you own or rent, provided the
law amendatory thereof; ^auh/^ io not owned byur rented orloaned
(h) "Special nuclear material"has the meaning h`you or the insured;
given itin the Atomic Energy Act of1Q54or (d) Liability assumed under any "insured
in any|avv amendatory thereof; onntneot" for the ownership, maintenance
(i) "Spent fuel"means any fuel element orfuel or use of aircraft (other than ''unmanned-
romponunt, solid or liquid, which has been aircraft")or watercraft; or
used or exposed to radiation in ''nuo|omr (e) "Bodily injury"w/"property damage"arising
reactor";` out of:
0) ^VVoate^means any waste material: (i) The oponsbun of machinery or
(i) Containing "by-product material" other equipment that is attached to, or part
than the tailings or wastes produced by of, a land vehicle that would qualify
under the definition of "mobile
the extraction or concentration of
uranium or thorium from any ore aquipment" ifiLwere not subject to o
processed primarily for its "source compulsory or financial responsibility
material"content; and |mvvnr other motor vehicle insurance or
' motor vehicle registration law where it
(i i) Resulting from the operation by any ia licensed or principally garaged; or
person or organization nf any "nuclear
fooi|ih/' included under paragraphs (i) (ii) The operation of any of the following
and (ii) of the definition of "nuclear machinery orequipment:
facility". 1) Cherry pickers and similar devices
C. Amended Exclusion With Coverage Extension mounted on automobile or truck
chassis and used to raise orlower
SECTION | — COVERAGES, COVERAGE A — wu/ko/omnd
BODILY INJURY AND PROPERTY DAMAGE '
LIABILITY, 2' ��n|u�ions. Q. Aircraft, Auto or �) Air oompn*eenre. pumps and
Watercraft is nap|ured by the foUovving: generators, including spraying,
wuNing, building cleaning,
Q. Aircraft (Other Than Unmanned Aircraft), geophysical exploration, fighting
Auto or Watercraft
and well-servicing equipment; or
"Bodily injury"or"property damage"arising out
(f) An aircraft(other than"unmanned ainuraK^)
of the uvvnemhip, maintenance, use or that is:
entrustment to others of any aircraft(other than
''unmanned aircraft"), ''uuto" or watercraft (i) Chartered by. loaned to, or hired by
owned or operated by or rented or loaned to you with a paid crew; and
any insured. Use includes operation and (i i) Not owned by any insured.
"loading orun}oudinU" SECTION V—AMENDED DEFINITIONS
This paragraph g. applies even if the claims A. SECTION V—DEFINITIONS, 3. "Bodily injury", 16.
against any insured allege negligence orother "Products—completed operations hazuvd". and 17.
wrongdoing in the supervision, hiring. "Property damage"are replaced by the following:
employment, training or monitoring of others by
that insured, if the ^000urronoe" which caused 3. "Bodily injury" means bodily injury, xinknmoo or
the "bodily injury" or "property damage" disease sustained bya person, including death
involved the ovvnerohip, maintenunmy, use or resulting from any of these at any time. "Bodily
entrustment to others of any aircraft(other than injury" includes mental anguish o/other mental
^unmanned aircraft' .''mutm^orwab*nuraftthatio injury resulting from "bodily irjury^
owned or operated by or rented or loaned to 16. "Pnoduda—comp|eted operations hazard":
any insured. a. Includes all "bodily irjury" and "property
This paragraph Q. does not apply to: dumagu" occurring away from premises
you own or rent and arising outof "your
(a) Avvatamraftvvhi|*ashore on premises you
own orrent produoy' or''yourwnrk'' excapt
.
(1) Products that are still in your physical
(b) Avvaierrru�you do not own that is:
(i) Less than 51 feet long; and possession; or
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Copyright 000n The Hanover Insurance Company.All Rights Reserved.
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(2) Work that has not yet been completed computer noftwmre, including systems and
or abandoned. However, "your work" applications software, hard or floppy disks, CD-
will be deemed completed at the ROyWs, topea, dhvaa, oeUo, data processing
earliest of the following times: devices or any other media which are used with
|eotn�nio�UyoontroUed *quipment
(o) When all of the work ma||od for in o .
your contract has been completed. SECTION V\—ADDITIONAL DEFINITIONS
(h) When all of the work tobe done at A. The following definitions are added to SECTION V
the job site has been completed if —DEF|N|T}ON8:
your contract calls for work atmore 1. ..Cybor conient" means the electronic diop|my,
than one job site. electronic transmission o/ electronic
(c) When that part of the work done at dissemination of information through any
the job site has been put to its network or through on inoun*d'a eyat*m,
intended use by any other person including through email or an inaun*d'o in(orne1
or organization other than another webmihe.
contractor or subcontractor
2. ^Cyber content incident" means the alleged or
working on the same project. actual unintentional and unauthorized:
Work that may need oamioe. a. Infringement nfe collective mark. service
mmintmnanoa, nornaotinn, repair or mmrk, service nome, tradomark, trade
rep|acemmni, but which is otherwise druaa, domain name. commercial logo,
complete,will be treated as completed. commercial s|pgan, commercial symbol,
The "bodily injury" or "property commercial tit|e, copyright' name of a
damage" must occur uvvuy from produot, service or entity' or title of an
pvamiaoe you own or rent, un|aoa your artistic or literary work;
business includes the selling, handling b. Plagiarism or unauthorized use of
or distribution of "your produot" for protected literary or artistic work, formet,
consumption on premises you own or character mrperformance;
rent.
�. Invasion or interference with the right of
b. Ooeanotino|udo"bodi|yir�ury''or"prupe�y publicity including name, pemonu. voice or
dmmmg�^ ariuingoutof� |ikeneaa; ur
(1) The transportation of property, un|man d. Defamation, |ibe|, slander, trade |ibo|, false
the injury or damage arises out of o light or other tort directly arising from the
condition inorona vehicle not owned
disparagement ofmr harm to the reputation
or operated by you, and that condition or character of any person orentity;
was created by the "loading or
unloading" of that vehicle by any resulting directly from ''oybar content" of the
insured; or insured entity.
3 ^Cyberinoidun� mo�nuany�
(2) The existence of tools, uninetsUed ' �
equipment or abandoned or unused a. Unauthorized access to or use of any
materials. computer system;
17. "Property damage" means: b. Malicious code, virus or any other harmful
m. Physical injury to tangible p»opedy, code that ia directed at enacted upon or
including all resulting |ooa of use of that introduced into any computer system and
property. All such |000 of use shall be is designed to ooceoo' a|tor, oonupt,
deemed to occur at the time of the physical damage, de|*t*, deatroy, disrupt, unorypt,
injury that caused it or exploit, use or prevent or restrict access to
b. Loss of use of tangible property the use of any part of any computer
y that is not ayaium or otherwise disrupt its normal
physically injured.AUsuch loss of use nhoU functioning uroperation;
be deemed to occur at the time of the
"oouurrenoa^that caused it. o. Denial of service attack which disrupts,
prevents or restricts access toor use ofany
For the purposes of this inourenoe, electronic computer system, or otherwise disrupts its
data is not tangible property. normal functioning or operation; or
As used in this dofinition electronic means' d. Alleged or actual unintentional and
informaUun, facts or programs stored as, unauthorized:
created or used on, or transmitted to or from
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Copyright zo2n The Hanover Insurance Company.All Rights Reserved.
(1) Infringement of a md|eohwa mark, CB Invasion or interference with the right of
service mark service name, publicity including name, persona,
tnademurk, trade dreso, domain namo, voice orlikeness; or
commercial logo, cummunjo| slogan, (4) Defamation' |ibu|, slander, trade |ibe|,
commercial symbol, commercial title, tduo light or other tort directly arising
copyright, name of produ/t, service from the disparagement ufnrharm to
or entity, or title ofan artistic orliterary the reputation or character of any
work; person or entity;
(2) Plagiarism or unauthorized use of resulting directly from^oyber content"ofthe
protected literary or artistic work' insured entity.
format, character orperformance;
ALL OTHER POLICY TERMS, CDND|T|ONS, AND EXCLUSIONS REMAIN UNCHANGED.
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