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BLOCK ISLAND POWER COMPANYC/O B & E CONSULTING21 DRYDEN LANEPROVIDENCE RI 02904

CAREY RICHMOND & VIKING

COMMERCIAL INSURANCE

A Custom Insurance Policy Prepared for:

Presented by:

TRAVELERSCORP. TEL: 1-800-328-2189SPECIAL BUSINESSCOMMONPOLICY DECLARATIONSISSUE DATE: 07/30/15POLICY NUMBER: P-630-0696L335-TCT-15

INSURING COMPANY:THE TRAVELERSINDEMNITY COMPANYOF CONNECTICUT

1. NAMEDINSURED AND MAILING ADDRESS:BLOCK ISLAND POWERCOMPANYC/O B & E CONSULTING21 DRYDENLANEPROVIDENCE, RI 02904

2. POLICY PERIOD: From 08/01/15 to 08/01/16 12:01 A.M. Standard Time atyour mailing address.

3. LOCATIONSPremises Bldg.Loc. No. No. Occupancy Address

SEE IL T0 03

4. COVERAGEPARTS FORMINGPART OF THIS POLICY AND INSURING COMPANIES:DELUXE PROPERTYCOVERAGEPART DECLARATIONS DX T0 00 11 12 TCTCOMMERCIALGENERALLIABILITY COV PART DECLARATIONS CG T0 01 11 03 TCTCOMMERCIALINLAND MARINE COV PART DECLARATIONS CM T0 01 07 86 TCT

5. NUMBERSOF FORMSAND ENDORSEMENTSFORMINGA PART OF THIS POLICY: SEE IL T8 01 10 93

6. SUPPLEMENTALPOLICIES: Each of the following is a separate policycontaining its complete provisions:

Policy Policy No. Insuring Company

DIRECT BILL7. PREMIUMSUMMARY:

Provisional Premium $ 115,912Due at Inception $Due at Each $

NAMEAND ADDRESSOF AGENT OR BROKER:CAREY RICHMOND& VIKING (70561)TWOCORPORATEPLMIDDLETOWN,RI 028426294

IL T0 02 11 89(REV. 09-07) PAGE 1 OF 1OFFICE: HUDSON/BOSTON

COUNTERSIGNED BY:

Authorized Representative

DATE:

P-630-0696L335-TCT-15

08-01-15

07-30-15

LISTING OF FORMS, ENDORSEMENTSAND SCHEDULENUMBERS

THIS LISTING SHOWSTHE NUMBEROF FORMS, SCHEDULESAND ENDORSEMENTSBY LINE OF BUSINESS.

IL T0 02 11 89 COMMONPOLICY DECLARATIONSIL T8 01 10 93 FORMS, ENDORSEMENTSAND SCHEDULENUMBERSIL T3 18 05 11 COMMONPOLICY CONDITIONS-DELUXEIL T0 03 04 96 LOCATION SCHEDULE

DELUXE PROPERTY

DX T0 00 11 12 DELUXE PROP COV PART DECLARATIONSDX 00 03 07 94 DELUXE PROP COV PART SCHED-SPECIF LIMITSDX 00 01 07 94 MORTGAGEEHOLDERSCHEDULEDX 00 04 11 12 TABLE OF CONTENTS- DELUXE PROP COV PARTDX T1 00 11 12 DELUXE PROPERTYCOVERAGEFORMDX T3 37 11 12 WINDSTORMOR HAIL DEDUCTIBLEDX T3 79 11 12 LOSS PAYABLE PROVISIONSDX T4 02 01 15 FEDERAL TERRORISMRISK INSURANCEACT DISDX 03 12 11 12 RHODEISLAND CHANGESDX T3 98 04 02 ELECTRONIC VANDALISM LIMITATION ENDT

COMMERCIALGENERALLIABILITY

CG T0 01 11 03 COMLGENERALLIABILITY COV PART DECCG T0 07 09 87 DECLARATIONSPREMIUMSCHEDULECG T0 08 11 03 KEY TO DECLARATIONSPREMIUMSCHEDULECG T0 34 11 03 TABLE OF CONTENTSCG 00 01 10 01 COMMERCIALGENERALLIABILITY COV FORMCG D2 55 11 03 AMENDMENTOF COVERAGE- POLLUTIONCG D4 71 01 15 AMENDCOVERAGEB - PERS & ADV INJURYCG D0 37 04 05 OTHERINSURANCE-ADDITIONAL INSUREDSCG D2 03 12 97 AMEND-NONCUMULATIONOF EACH OCCCG D2 48 08 05 BLANKET ADD’L INSURED(CONTRACTORSOPS)CG D4 13 04 08 AMENDMENTOF COVERAGE-COOLING-POLLUTIONCG D4 58 07 13 XTEND END FOR COMMERCIALINDUSTRIESCG D2 56 11 03 AMENDMENTOF COVERAGECG D2 88 11 03 EMPLOYMENT-RELATEDPRACTICES EXCLUSIONCG D3 26 10 11 EXCLUSION - UNSOLICITED COMMUNICATIONCG D3 56 05 14 MOBILE EQUIP REDEFINED-EXCL OF VEHICLESCG D4 21 07 08 AMENDCONTRACLIAB EXCL-EXC TO NAMEDINSCG D6 18 10 11 EXCL-VIOLATION OF CONSUMERFIN PROT LAWSCG D6 73 02 13 EXCLUSION - FAILURE TO SUPPLYCG D7 46 01 15 EXCL-ACCESS OR DISCL OF CONF/PERS INFOCG 21 41 11 85 EXCLUSION-INTERCOMPANYPRODUCTSSUITSCG D1 38 11 03 MODIFIED POLLUTION EXCLUSIONCG D1 42 01 99 EXCLUSION-DISCRIMINATIONCG D2 40 06 01 EXCLUSION - SILICA

PAGE: 1 OF 2

POLICY NUMBER:

EFFECTIVE DATE:

ISSUE DATE:

IL T8 01 10 93

P-630-0696L335-TCT-15

08-01-15

07-30-15

COMMERCIALGENERALLIABILITY (CONTINUED)

CG D2 42 01 02 EXCLUSION WARCG T3 23 08 11 EXCL - AIRCRAFT PRODAND GROUNDINGCG T4 78 02 90 EXCLUSION-ASBESTOS

INLAND MARINE

CM A0 05 04 93 CELLULAR TELECOMMEQUIP & MEDIA DECCM A0 28 08 96 IMPAK COVERAGEPART DECLARATIONSCM T3 71 08 96 IM PAK COVERAGESUMMARYCM T0 28 08 96 IM PAK COV CONTRACTORSEQUIP SCHEDULECM T0 11 08 05 TABLE OF CONTENTSCM 00 01 09 04 COMMERCIALINLAND MARINE CONDITIONSCM T1 25 04 93 CELLULAR TELECOMMEQUIP & MEDIA FORMCM T1 43 08 96 IMPAK COVERAGEFORMCM T8 00 GENERALPURPOSEENDORSEMENTCM T3 98 01 15 FEDERAL TERRORISMRISK INSURANCEACT DIS

INTERLINE ENDORSEMENTS

IL T3 68 01 15 FEDERAL TERRORISMRISK INS ACT DISCLOSEIL T4 14 01 15 CAP ON LOSSES CERTIFIED ACT OF TERRORISMIL T3 82 05 13 EXCL OF LOSS DUE TO VIRUS OR BACTERIAIL 00 21 09 08 NUCLEARENERGYLIAB EXCL END-BROADFORMIL 01 61 03 12 RHODEISLAND CHANGES- CIVIL UNIONIL 01 97 09 08 RHODEISLAND CHANGESIL T3 55 05 13 EXCLUSION OF CERTAIN COMPUTERLOSSESIL T9 24 01 10 RI CHANGES-CANCELLATIONAND NONRENEWAL

PAGE: 2 OF 2

POLICY NUMBER:

EFFECTIVE DATE:

ISSUE DATE:

IL T8 01 10 93

COMMON POLICY CONDITIONS DELUXE

All Coverage Parts included in this policy are subject to the following conditions.

A. CANCELLATION C. EXAMINATION OF YOUR BOOKS AND RE-CORDS1. The first Named Insured shown in the Decla-

rations may cancel this policy by mailing or We may examine and audit your books and re-delivering to us advance written notice of cords as they relate to this policy at any time dur-cancellation. ing the policy period and up to three years after-

ward.2. We may cancel this policy by mailing or deliv-D. INSPECTIONS AND SURVEYSering to the first Named Insured written notice

of cancellation at least: 1. We have the right but not obligated to:a. 10 days before the effective date of can- a. Make inspections and surveys at any

cellation if we cancel for nonpayment of time;premium; or

b. Give you reports on the conditions web. 60 days before the effective date of can- find; and

cellation if we cancel for any other rea-c. Recommend changes.son.

2. We are not obligated to make any inspec-3. We will mail or deliver our notice to the firsttions, surveys, reports or recommendationsNamed Insured's last mailing address knownand any such actions we do undertake re-to us.lated only to insurability and the premiums to

4. Notice of cancellation will state the effective be charged. We do not make safety inspec-date of cancellation. If the policy is cancelled, tions. We do not undertake to perform thethat date will become the end of the policy pe- duty of any person or organization to provideriod. If a Coverage Part is cancelled, that date for the health or safety of workers or the pub-will become the end of the policy period as lic. And we do not warrant that conditions:respects that Coverage Part only.

a. Are safe or healthful; orCancellation will not affect coverage on any

b. Comply with laws, regulations, codes orshipment in transit on the date of the cancel-standards.lation. Coverage will continue in full force until

such property is delivered and accepted. 3. Paragraphs 1. and 2. of this condition applynot only to us, but also to any rating, advisory,5. If this policy or any Coverage Part is can-rate service or similar organization whichcelled, we will send the first Named Insuredmakes insurance inspections, surveys, re-any premium refund due. If we cancel, the re-ports or recommendations.fund will be pro rata. If the first Named In-

sured cancels, the refund may be less than 4. Paragraph 2. of this condition does not applypro rata. The cancellation will be effective to any inspections, surveys, reports or rec-even if we have not made or offered a refund. ommendations we may make relative to certi-

fication, under state or municipal statutes, or-6. If notice is mailed, proof of mailing will be suf-dinances or regulations, of boilers, pressureficient proof of notice.vessels or elevators.

B. CHANGESE. PREMIUMS

This policy contains all the agreements between1. The first Named Insured shown in the Decla-you and us concerning the insurance afforded.

rations:The first Named Insured shown in the Declara-tions is authorized to make changes in the terms a. Is responsible for the payment of all pre-of this policy with our consent. This policy's terms miums; andcan be amended or waived only by endorsement b. Will be the payee for any return premiumsissued by us and made a part of this policy. we pay.

2. We compute all premiums for this policy inaccordance with our rules, rates, rating plans,

IL T3 18 05 11 Includes copyrighted material of Insurance Services Office, Inc. with its permission. Page 1 of 2

1. The Commercial Property Coverage Part;premiums and minimum premiums. The pre-mium shown in the Declarations was com- 2. The Commercial Inland Marine Coverageputed based on rates and rules in effect at the Part;time the policy was issued. On each renewal

3. Commercial Property forms including, but notcontinuation or anniversary of the effectivelimited to, the following:date of this policy, we will compute the pre-

mium in accordance with our rates and rules a. Building and Personal Property Coveragethen in effect. Form;

F. TRANSFER OF YOUR RIGHTS AND DUTIES b. Business Income Coverage Form;UNDER THIS POLICY c. Commercial Property Conditions;Your rights and duties under this policy may not d. Causes of Loss Special Form;be transferred without our written consent except

e. Causes of Loss Earthquake Form.in the case of death of an individual named in-sured. 4. Commercial Inland Marine Forms including

but not limited to the Transportation CoverageIf you die, your rights and duties will be trans-Special Formferred to your legal representative but only while

acting within the scope of duties as your legal Endorsements referencing the Commercialrepresentative. Until your legal representative is Property Coverage Part, Commercial Inlandappointed, anyone having proper temporary cus- Marine Coverage Part, Commercial Propertytody of your property will have your rights and du- Forms, or Commercial Inland Marine Formsties but only with respect to that property. apply to the Deluxe Property Coverage Forms

in the same manner as they apply to theG. WHEN WE DO NOT RENEWForms they reference.

If we decide not to renew this policy we will mailI. INSURANCE UNDER TWO OR MORE COVER-or deliver to the first Named Insured shown in the

AGE PARTSDeclarations written notice of the nonrenewal notless than 60 days before the expiration date. If two or more of this policy's Coverage Parts ap-

ply to the same loss or damage, we will not payH. DELUXE PROPERTY COVERAGE PART-more than the actual amount of the loss or dam-REFERENCE TO FORMS AND ENDORSE-age.MENTS

In some instances, the Deluxe Property Declara-tions may list endorsements included in the De-luxe Property Coverage Part that reference:

This policy consists of the Common Policy Declarations and the Coverage Parts and endorsements listed in thatdeclarations form.

In return for payment of the premium, we agree with the Named Insured to provide the insurance afforded by aCoverage Part forming part of this policy. That insurance will be provided by the company indicated as insuringcompany in the Common Policy Declarations by the abbreviation of its name opposite that Coverage Part.

One of the companies listed below (each a stock company) has executed this policy, and this policy is counter-signed by the officers listed below:

The Travelers Indemnity Company (IND)

The Phoenix Insurance Company (PHX)

The Charter Oak Fire Insurance Company (COF)

Travelers Property Casualty Company of America (TIL)

The Travelers Indemnity Company of Connecticut (TCT)

The Travelers Indemnity Company of America (TIA)

Travelers Casualty Insurance Company of America (ACJ)

Secretary President

Page 2 of 2 Includes copyrighted material of Insurance Services Office, Inc. with its permission. IL T3 18 05 11

P-630-0696L335-TCT-15

08-01-15 08-01-16

1 1 OCEANAVE. CEMENTBLOCK BUILDINGBLOCK ISLAND, RI 02807

1 2 OCEANAVE. RED STEEL BUILDINGBLOCK ISLAND, RI 02807

1 3 OCEANAVE. RED STEEL GARAGEBLOCK ISLAND, RI 02807

1 4 OCEANAVE. STEEL/CONCRETEBUILDINGBLOCK ISLAND, RI 02807

1 5 OCEANAVE. OFFICEBLOCK ISLAND, RI 02807

1 6 OCEANAVE. SUB STATIONBLOCK ISLAND, RI 02807

2 7 21 DRYDENLAND LEASED LANDPROVIDENCE, RI 02903

1 (END)

LOCATION SCHEDULE POLICY NUMBER:

This Schedule of Locations and Buildings applies to the Common Policy Declarations for the period

to .

Loc. Bldg.Address OccupancyNo. No.

IL T0 03 04 96 Page

DELUXE PROPERTY

P-630-0696L335-TCT-1507-30-15

INSURING COMPANY:THE TRAVELERSINDEMNITY COMPANYOF CONNECTICUT

EFFECTIVE DATE: Same as policy unless otherwise specified:

DELUXE PROPERTYCOVERAGEFORM

DELUXE PROPERTYCOVERAGEPART SCHEDULE- SPECIFIC LIMITS - DESCRIBED PREMISES

Insurance applies only to a premises location and building number and to acoverage or type of property for which a Specific Limit of Insurance is shown onschedule DX 00 03.

COINSURANCEPROVISION:

Coinsurance does not apply to any Building, Personal Propertyor "Stock" coverage for which a Specific Limit of Insuranceapplies as shown on schedule DX 00 03.

VALUATION PROVISION:

Replacement cost (subject to limitations) applies to most types of coveredproperty (See Valuation Loss Condition in DX T1 00).

ADDITIONAL COVEREDPROPERTY Limits ofInsurance

Personal Property at Undescribed Premises:

At any "exhibition" premises Not CoveredAt any installation premises or temporary storage premises Not CoveredAt any other not owned, leased or regularly operated

premises $ 25,000

Personal Property in Transit: $ 25,000

CAREY RICHMOND& VIKING 70561 HUDSON/BOSTON 126

DELUXE PROPERTY COVERAGE POLICY NUMBER:PART DECLARATIONS ISSUE DATE:

DX T0 00 11 12

PRODUCER: OFFICE:

P-630-0696L335-TCT-1507-30-15

DELUXE PROPERTYCOVERAGEFORM- ADDITIONAL COVERAGES& COVERAGEEXTENSIONS

The Limits of Insurance shown in the left column are included in the coverageform and apply unless a Revised Limit of Insurance or Not Covered is shown inthe Revised Limits of Insurance column on the right. The Limits of Insuranceapply in any one occurrence unless otherwise stated.

Limits of Revised LimitsInsurance of Insurance

Accounts ReceivableAt all described premises $ 50,000In transit or at all undescribed premises $ 25,000

Appurtenant Buildings and Structures $ 100,000Claim Data Expense $ 25,000Covered Leasehold Interest - Undamaged

Improvements & BettermentsLesser of Your Business Personal Propertylimit or: $ 100,000

Debris Removal (additional amount) $ 250,000Deferred Payments $ 25,000Duplicate Electronic Data Processing Data and

Media $ 50,000Electronic Data Processing Data and Media

At all described premises $ 50,000Employee Tools

In any one occurrence $ 25,000Any one item $ 2,500

Expediting Expenses $ 25,000Extra Expense $ 25,000Fine Arts

At all described premises $ 50,000In transit $ 25,000

Fire Department Service Charge Included*Fire Protective Equipment Discharge Included*Green Building Alternatives - Increased Cost

Percentage 1 %Maximum amount - each building $ 100,000

Green Building Reengineering andRecertification Expense $ 25,000

Limited Coverage for Fungus, Wet Rot orDry Rot - Annual Aggregate $ 25,000

Loss of Master Key $ 25,000Newly Constructed or Acquired Property:

Building - each $ 2,000,000Personal Property at each premises $ 1,000,000

Non-Owned Detached Trailers $ 25,000Ordinance or Law Coverage $ 250,000



DX T0 00 11 12

PRODUCER: OFFICE:

P-630-0696L335-TCT-1507-30-15

DELUXE PROPERTYCOVERAGEFORM- ADDITIONAL COVERAGES& COVERAGEEXTENSIONS(continued)

Limits of Revised LimitsInsurance of Insurance

Outdoor Property $ 25,000Any one tree, shrub or plant $ 2,500

Outside SignsAt all described premises $ 100,000At all undescribed premises $ 5,000

Personal Effects $ 25,000Personal Property At Premises Outside of the

Coverage Territory $ 50,000Personal Property In Transit Outside of the

Coverage Territory $ 25,000Pollutant Cleanup and Removal - Annual

Aggregate $ 100,000Preservation of Property

Expenses to move and temporarily storeproperty $ 250,000

Direct loss or damage to moved property Included*Reward Coverage

25% of covered loss up to maximum of: $ 25,000Stored Water $ 25,000Theft Damage to Rented Property Included*Undamaged Parts of Stock In Process $ 50,000Valuable Papers and Records - Cost of Research

At all described premises $ 50,000In transit or at all undescribed premises $ 25,000

Water or Other Substance Loss - Tear Out andReplacement Expense Included*

*Included means included in applicable Covered Property Limit of Insurance

DEDUCTIBLES:

BY WINDSTORMOR HAIL:

At premises located in the State(s) of:

RHODEISLAND

the following percentage applies: 2 %subject to the following minimum, in any one occurrence ateach premises location: $ 50,000



DX T0 00 11 12

PRODUCER: OFFICE:

P-630-0696L335-TCT-1507-30-15

DEDUCTIBLES: (continued)

ANY OTHERCOVEREDLOSS in any one occurrence: $ 5,000



DX T0 00 11 12

PRODUCER: OFFICE:

P-630-0696L335-TCT-15 07-30-15

1 1 Building $ 300,0001 1 Your Business Personal Property $ 75,0001 2 Building $ 200,0001 2 Your Business Personal Property $ 2,000,0001 3 Building $ 275,0001 3 Your Business Personal Property $ 2,600,0001 4 Building $ 180,0001 4 Your Business Personal Property $ 10,0001 5 Building $ 500,0001 5 Your Business Personal Property $ 50,0001 6 Building $ 1,000,000

70561 HUDSON/BOSTON 126CAREY RICHMOND& VIKING

POLICY NUMBER: ISSUE DATE:

DELUXE PROPERTY COVERAGE PART SCHEDULE -SPECIFIC LIMITS

Prem. Bldg. Description of Coverage Limits ofNo. No. or Property Insurance

DX 00 03 07 94

PRODUCER: OFFICE:

P-630-0696L335-TCT-15 07-30-15

1 1 RURAL UTILITIES SERVICES NORTHERNREGIONAL DIVISION USDARUS STOP #15661400 INDEPENDENCEAVE. SWWASHINGTON DC 20250

POLICY NUMBER: ISSUE DATE:

MORTGAGE HOLDER SCHEDULE

PremisesLoc. No.

Bldg.No.

Mortgage HolderName and Mailing Address

DX 00 01 07 94

TABLE OF CONTENTS

DELUXE PROPERTY COVERAGE PART

The following indicates the contents of the principal Forms which may be attached to your policy. It contains noreference to the Declarations or Endorsements which also may be attached.

Begins onDELUXE PROPERTY COVERAGE FORM Page

1A. CoverageB. Covered Causes of Loss 18

18C. ExclusionsD. Limitations 26E. Limits of Insurance 27

28F. DeductibleG. Loss Conditions 28

34H. Additional ConditionsI. Optional Coverages 35J. Definitions 36

DELUXE BUSINESS INCOME (AND EXTRA EXPENSE) COVERAGE FORM

A. Coverage 1B. Exclusions and Limitation 8

C. Limits of Insurance 9D. Deductible 9

10E. Loss ConditionsF. Optional Coverages 11

G. Definitions 12

DELUXE BUSINESS INCOME (WITHOUT EXTRA EXPENSE) COVERAGE FORM

A. Coverage 1

7B. Exclusions and LimitationC. Limits of Insurance 8

8D. DeductibleE. Loss Conditions 9F. Optional Coverages 10

G. Definitions 10

DELUXE EXTRA EXPENSE COVERAGE FORM

A. Coverage 1

B. Exclusions 6C. Limits of Insurance 6

6D. Loss ConditionsE. Optional Coverages 7

8F. Definitions

DX 00 04 11 12 © 2011 The Travelers Company. All rights reserved. Page 1 of 1Includes copyrighted material of Insurance Services Office, Inc. with its permission

DELUXE PROPERTY COVERAGE FORM

Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties andwhat is and is not covered.

Throughout this policy the words "you" and "your" refer to the Named Insured shown in the Declarations. Thewords "we", "us" and "our" refer to the Company providing this insurance.

Other words and phrases that appear in quotation marks have special meaning. REFER TO SECTION J. DEFI-NITIONS.

A. COVERAGE (h) Building systems and equipmentincluding alarm, communication,We will pay for direct physical loss of or damagesecurity and monitoring devices;to Covered Property caused by or resulting from aandCovered Cause of Loss.

(7) If not covered by other insurance:1. Covered Property(a) Additions under construction, al-Covered Property, as used in this Coverage

terations and repairs to the build-Part, means each of the following types ofing or structure; andproperty described in this Section A.1., and

limited in Section A.2., Property and Costs (b) Materials, equipment, suppliesNot Covered, if a Limit of Insurance is shown and temporary structures, on orin the Declarations for that type of property. within 1,000 feet of the described

premises, used for making addi-a. Building(s) , meaning the designatedtions, alterations or repairs to thebuilding or structure at the premises de-buildings or structures.scribed in the Declarations, including:

b. Your Business Personal Property lo-(1) Completed additions;cated in or on the designated building or

(2) Fixtures, including outdoor fixtures; structure at the premises described in theDeclarations or in the open (or in a vehi-(3) Foundations;cle) within 1,000 feet of the described(4) Glass that is a part of the building orpremises, consisting of the followingstructure;unless otherwise specified in the Declara-

(5) Machinery and equipment perma- tions:nently attached to the building or

(1) Furniture and fixtures;structure;(2) Machinery and equipment (including(6) Personal property owned by you that

"electronic data processing equip-is used to maintain or service thement");building or structure or its premises,

(3) "Stock";including:

(4) All other personal property owned by(a) Fire extinguishing equipment;you and used in your business;(b) Outdoor furniture;

(5) Labor, materials or services furnished(c) Floor coverings;or arranged by you on personal prop-

(d) Lobby and hallway furnishings erty of others;owned by you;

(6) Your use interest as tenant in im-(e) Appliances used for refrigerating, provements and betterments. Im-

ventilating, cooking, dishwashing provements and betterments are fix-or laundering; tures, alterations, installations or ad-

ditions:(f) Lawn maintenance and snow re-moval equipment; (a) Made a part of the building or

structure you occupy or lease but(g) Heating, air conditioning and ven-do not own; andtilation equipment; and

DX T1 00 11 12 © 2011 The Travelers Indemnity Company. All rights reserved. Page 1 of 38Includes copyrighted material of Insurance Services Office, Inc. with its permission.

(b) You acquired or made at your (c) The installation is abandoned byexpense, but cannot legally re- you;move; (d) The property is more specifically

(7) Leased personal property for which insured; oryou have a contractual responsibility (e) This policy is cancelled or ex-to insure, unless otherwise insured pires, whichever occurs first; orunder Personal Property of Others;

(3) Is temporarily at any other premisesandnot described in the Declarations,

(8) Building glass that is not a tenant im- which you do not own, lease or regu-provement and betterment but which, larly operate.as a tenant, you are contractually re-

Coverage does not include Sales Repre-quired to insure under a written leasesentative Property as defined in Para-agreement.graph A.1.f. below.

c. Personal Property of Others meaninge. Personal Property in Transit as follows:others' personal property in your care,

custody, or control that is located in or on (1) This coverage for Personal Propertythe designated building or structure at the in Transit applies to:premises described in the Declarations or (a) Your Business Personal Prop-in the open (or in a vehicle) within 1,000 erty; andfeet of the described premises.

(b) Personal Property of Others;However, our payment for loss of or

away from the described premisesdamage to Personal Property of Otherswhile in transit between points withinwill only be for the account of the ownerthe Coverage Territory.of the property.

(2) Unless a mode of transportation ord. Personal Property At Undescribedtype of shipment is specifically ex-Premises meaning Your Business Per-cluded in the Declarations or by en-sonal Property and Personal Property ofdorsement, this coverage applies toOthers in your care, custody or controlproperty in transit being shipped bythat:any type of carrier or vehicle.

(1) Is at "exhibition" premises located(3) This coverage applies from the timeworldwide including while in transit to

the property leaves the premisesand from the "exhibition" premiseswhere the shipment begins until theprovided that no trade sanction, em-shipment arrives at its final destina-bargo or similar regulation imposedtion. If the property is not delivered,by the United States of America pro-we cover the return of the property tohibits us from covering the loss oryou, including while the property isdamage;temporarily held by the receiver or

(2) Is at installation premises or tempo- the carrier while awaiting returnrary storage premises while awaiting shipment to you.installation that you do not own, lease

(4) Subject to the Limit of Insurance thator regularly operate. This coverageapplies to the Personal Property inapplies only to such property that willTransit coverage, we will also pay for:or has become a permanent part of

an installation project being per- (a) Any general average or salvageformed for others by you or on your charges you incur as respectsbehalf. This coverage will end when losses to covered waterborneany of the following first occurs: shipments;(a) Your interest in the property (b) Your interest in covered ship-

ceases; ments sold Free On Board if youcannot collect payment for the(b) The installation is accepted byloss or damage from the con-the customer;signee; and

Page 2 of 38 © 2011 The Travelers Indemnity Company. All rights reserved. DX T1 00 11 12Includes copyrighted material of Insurance Services Office, Inc. with its permission.

(c) Loss of or damage to Covered d. Automobiles, motorcycles, motor trucks,Property resulting from the unin- motor homes and similar vehicles held for

sale, lease, loan or rent;tentional acceptance of anyfraudulent Bill of Lading, order or e. Bulkheads, pilings, piers, wharves, docks,shipping receipt by you, your em- dikes or dams;ployees or authorized representa-

f. Contraband or property in the course of il-tives or by your agent, customerlegal transportation or trade;

or consignee from anyone repre-g. "Electronic data processing data and me-senting themselves to be the

dia" that is obsolete or no longer used byproper person to receive goodsyou;for shipment or accept goods for

delivery. h. "Employee tools" except as provided inthe Employee Tools Coverage Extension;(5) This coverage does not apply to:

i. Export and import shipments while cov-(a) Accounts receivable;ered under an ocean marine cargo or(b) "Employee tools";other insurance policy;

(c) "Fine arts";j. "Fine arts", except as provided in the

(d) Sales representative property; Personal Effects and Fine Arts CoverageExtensions;(e) Personal property in transit to or

from an "exhibition" site; or k. Harvested grain, hay, straw or othercrops while outside of buildings, growing(f) "Valuable papers and records".crops or standing timber;

f. Sales Representative Property meaningl. Human body parts and fluids includinggoods or merchandise which are Your

organs, tissue, blood and cells;Business Personal Property and PersonalProperty of Others in the custody of inde- m. Land, whether in its natural state or oth-pendent contractors whom you authorize erwise (including land on which the prop-to sell such goods or merchandise. This erty is located), land improvements or thecoverage applies worldwide while the cost of restoring or stabilizing land;property is:

n. Personal property sold by you under an(1) At any premises away from the de- installment plan, conditional sale, trust

scribed premises; or agreement or other deferred paymentplan after delivery to the purchasers ex-(2) In transit;cept as provided in the Deferred Pay-

provided that no trade sanction, embargo ments Coverage Ex ension;tor similar regulation imposed by the

o. Property of others for which you are re-United States of America prohibits ussponsible while acting as a common orfrom covering the loss or damage.contract carrier, car-loader, freight for-2. Property and Costs Not Coveredwarder, freight consolidator, freight bro-

Unless the following property is added by en- ker, shipping association or similar ar-dorsement to this Coverage Form, Covered ranger of transportation, or as a publicProperty does not include: warehouseman;a. Accounts, bills, currency, food stamps or p. Property that is covered under another

other evidences of debt, money, notes, coverage form or endorsement of this orchecks, drafts or securities except as any other policy in which it is more spe-provided in the Accounts Receivable cifically described, except for the excess

of the amount due (whether you can col-Coverage Extension. Lottery tickets heldlect on it or not) from that other insurance;for sale are not securities;

q. Property while waterborne except while inb. Aircraft or watercraft;transit by inland water carriers or byc. Animals; coastwise vessels operating within "terri-torial waters";


r. Shipments by a government postal ser- (b) Vehicles or self-propelled ma-vice except by registered mail; chines you hold for sale, lease,

loan or rent other than those ex-s. The cost of excavations, grading, backfill-cluded under A.2.d. above; oring or filling. This does not apply to costs

(c) Trailers and Semi-trai ers to thelnecessarily incurred to repair or replacecovered loss or damage to Covered extent covered under the Non-Property, but any costs associated with Owned Detached Trailers Cover-land stabilization and land reconstruction age Extension;are excluded; x. Water, whether in its natural state or oth-

t. The cost to research, replace or restore erwise, and whether above or belowthe information on "valuable papers and ground or the cost of reclaiming or restor-records" and "electronic data processing ing water.data and media", except as provided in But this does not apply to:the Valuable Papers and Records Cost

(1) Water contained in storage tanksof Research and Electronic Data Proc-used in your manufacturing or proc-essing Data and Media Coverage Exten-essing operations as specifically in-sions;sured under the Stored Water Addi-

u. The following property while outside of tional Coverage; orbuildings:

(2) Bottled water.(1) Bridges, roadways, walks, patios, or

3. Additional Coveragesother paved surfaces;Each of the following Additional Coverages(2) Artificial turf and associated under-applies subject to the Limit(s) of Insurancelayment;stated in this Coverage Form unless a revised

(3) Retaining walls that are not part of a Limit of Insurance or Not Covered is indicatedbuilding; in the Declarations or the coverage is other-

(4) Fences; wise amended by endorsement:

(5) Trees, shrubs, plants or lawns (in- a. Debris Removalcluding fairways, greens and tees), (1) We will pay your expense to removebut not including vegetative roofs on debris of Covered Property, and otherCovered Buildings nor "stock" of debris that is on the described prem-trees, shrubs or plants; ises, when such debris is caused by

except as provided in the Outdoor Prop- or results from a Covered Cause oferty Coverage Extension. Loss that occurs during the policy pe-

riod. The expenses will be paid only ifv. The following underground property:they are reported to us in writing

(1) Wires; within 180 days of the date of directphysical loss or damage.(2) Pipes, flues and drains;

This Additional Coverage does not(3) Tanks (including their contents);apply to costs to:(4) Tunnels (whether or not connected to(a) Remove debris of property youbuildings);

own that is not insured under this(5) Mines or mining property;policy, or property of others in

w. Vehicles or self-propelled machines that: your care, custody or control thatis not Covered Property;(1) Are licensed for use on public roads;

or (b) Remove debris of propertyowned by or leased to the land-(2) Are operated principally away fromlord of the building where yourthe described premises;described premises are located,But this does not apply to:unless you have a contractual re-

(a) Vehicles, self-propelled machines sponsibility to insure such prop-or autos you manufacture, proc- erty and it is insured under thisess or warehouse; policy;


(c) Remove debris of any outdoor age) is $25,000. This is additional in-property of a type described in surance.the Outdoor Property Coverage b. Expediting ExpensesExtension, whether the property

In the event of covered loss or damage tois your property or the property ofCovered Property, we will pay for the rea-others;sonable and necessary additional ex-

(d) Remove any property that is in- penses you incur to make temporary re-cluded under Section A.2. Prop- pairs to, or expedite the permanent re-erty and Costs Not Covered; pairs or replacement of the Covered

(e) Remove property of others of a Property at the premises sustaining losstype that is not Covered Property or damage. Expediting expenses includeunder this Coverage Form; overtime wages and the extra cost of ex-

press or other rapid means of transporta-(f) Extract "pollutants" from land ortion. Expediting expenses do not includewater; orexpenses you incur for the temporary

(g) Remove, restore or replace pol- rental of property or temporary replace-luted land or water. ment of damaged property.

(2) The most we will pay under this Addi- The most we will pay in any one occur-tional Coverage for your expense to rence under this Additional Coverage isremove the debris of Covered Prop- $25,000.erty is 25% of:

c. Fire Department Service Charge(a) The amount we pay for the direct

When the fire department is called tophysical loss of or damage tosave or protect Covered Property from aCovered Property; plusCovered Cause of Loss, we will pay for

(b) The deductible in this Coverage your liability for fire department servicePart applicable to that loss or charges:damage.

(1) Assumed by contract or agreementExcept as provided in Paragraph (3) prior to loss; orbelow, this payment for your expense

(2) Required by local ordinance.to remove the debris of CoveredProperty is included within the appli- No deductible applies to this Additionalcable Covered Property Limit of In- Coverage.surance. d. Fire Protective Equipment Discharge

(3) If: If fire protective equipment at the de-(a) Your expense to remove debris scribed premises discharges accidentally

of Covered Property exceeds the or to control a Covered Cause of Loss,above 25% limi ation; or we will pay your cost to:t

(b) The sum of the amount we pay (1) Refill or recharge the system with thefor loss of or damage to Covered extinguishing agents that were dis-Property and the expense for re- charged; andmoval of its debris exceeds the (2) Replace or repair faulty valves orapplicable Limit of Insurance; controls which caused the discharge.

we will pay an additional amount for e. Green Building Alternatives In-your expense to remove the debris of creased CostCovered Property, up to $250,000 in

(1) If direct physical loss or damage by aany one occurrence.Covered Cause of Loss occurs to a

(4) The most we will pay in any one oc- building that is Covered Property, wecurrence under this Additional Cover- will pay for:age for your expense to remove the

(a) The reasonable additional costdebris of any property that is notyou incur to repair or replace theCovered Property (if such removal islost or damaged portions of thecovered under this Additional Cover-


building using products or mate- on file with us prior to the lossrials that: or damage.

(i) Are "green" alternatives to Unless otherwise stated in the Decla-the products or materials of rations, this resultant amount is sub-the lost or damaged property, ject to a maximum amount of insur-in accordance with a docu- ance of $100,000 for each building.mented "green authority"; f. Green Building Reengineering and Re-and certification Expense

(ii) Are otherwise of comparable (1) If, as a result of direct physical loss orquality and function to the damage by a Covered Cause of Lossdamaged property; to a building that is Covered Property,

and the pre-loss level of "green" buildingcertification by a "Green Authority" on(b) The reasonable additional costthe building is lost, we will pay for theyou incur to employ "green"following reasonable additional ex-methods or processes of con-

struction, disposal or recycling in penses you incur to re-attain the pre-the course of the repair and re- loss level of "green" building certifica-placement of the lost or damaged tion from that "Green Authority":building, in accordance with the (a) The reasonable additional ex-documented standards of a

pense you incur to hire a qualified"green authority".engineer or other professional

(2) The insurance provided under this required by the "Green Authority"Additional Coverage applies only if to be involved in:replacement cost valuation applies to

(i) Designing, overseeing orthe lost or damaged building and thendocumenting the repair or re-only if the building is actually repairedplacement of the lost or dam-or replaced as soon as reasonablyaged building; orpossible after the loss or damage.

(ii) Testing and recalibrating the(3) The insurance provided under thissystems and mechanicals ofAdditional Coverage does not applythe lost or damaged buildingto any building that has been "vacant"

for more than 60 consecutive days to verify that the systems andbefore the loss or damage occurs. mechanicals are performing

in accordance with the design(4) The most we will pay for the addi-of such systems and me-tional cost incurred with respect tochanicals or the specifica-each building in any one occurrencetions of the manufacturer;under this Additional Coverage is de-

termined by multiplying: and(a) A factor of 1% (unless a higher (b) The reasonable registration and

increased cost percentage is recertification fees charged byshown in the Declarations); times the "Green Authority".

(b) The lesser of: (2) This Additional Coverage applies to(i) The amount we would other- the additional expenses described

wise pay for direct physical above that you incur to achieve theloss of or damage to the pre-loss level of "green" building certi-building, prior to application fication in accordance with the stan-of any applicable deductible; dards of the "Green Authority" thator exist at the time of repair or replace-

(ii) The value you reported to us ment, even if the standards havefor the building, as stated on changed since the original certifica-the latest Statement of Val- tion was achieved.ues or other documentation


(3) The most we will pay in any one oc- (3) The most we will pay for the total ofcurrence under this Additional Cover- all loss or damage under this Addi-age for: tional Coverage arising out of all oc-

currences of "specified causes of(a) All expenses incurred with re-loss" (other than fire or lightning) oc-spect to each building is 5% ofcurring during each separate 12the sum of:month period of this policy beginning

(i) The amount we pay for the with the effective date of this policy isdirect physical loss of or $25,000.damage to the building, in-

(4) The coverage provided under thiscluding any amount paid un-Additional Coverage does not in-der the Green Building Alter-crease the applicable Limit of Insur-natives Increased Cost Ad-ance on any Covered Property. If aditional Cov rage; andeparticular occurrence results in loss

(ii) The deductible amount ap- or damage by "fungus", wet rot or dryplied to the loss payment for rot, and other loss or damage, we willdirect physical loss or dam- not pay more for the total of all loss orage to the building; damage than the applicable Limit of

Insurance on the Covered Property.(b) All expenses incurred, regardlessof the number of buildings in- If there is covered loss or damage tovolved, is $25,000. Covered Property that is not caused

by "fungus", wet rot or dry rot, lossg. Limited Coverage for Fungus, Wet Rotpayment will not be limited by theor Dry Rotterms of this Additional Coverage,(1) The coverage provided in Paragraphexcept to the extent that "fungus",(2) below only applies when "fungus",wet rot or dry rot causes an increasewet rot or dry rot is the result of anyin the loss. Any such increase in theof the "specified causes of loss",loss will be subject to the terms ofother than fire or lightning, that oc-this Additional Coverage.curs during the policy period, and

h. Ordinance or Law Coverageonly if all reasonable means havebeen used to save and preserve the (1) In the event of covered direct physi-property from further damage at the cal loss or damage to a building thattime of and after the occurrence of is Covered Property, the followingsuch "specified causes of loss". coverages apply, but only with re-

spect to that lost or damaged build-(2) We will pay for direct physical loss ofing:or damage to Covered Property

caused by "fungus", wet rot or dry rot, (a) Coverage A Coverage Forincluding: Loss To The Undamaged Por-

tion of The Building(a) The cost of removal of the "fun-gus", wet rot or dry rot; We will pay under Coverage A for

the loss in value of the undam-(b) The cost to tear out and replaceaged portion of the building as aany part of the building or otherconsequence of enforcement ofproperty as needed to gain ac-an ordinance or law that requirescess to the "fungus", wet rot ordemolition of undamaged parts ofdry rot; and the same building.

(c) The cost of testing performed af- (b) Coverage B Demolition Costter removal, repair, replacement Coverageor restoration of the damaged

We will pay under Coverage Bproperty is completed, providedthe cost to demolish the buildingthere is a reason to believe thatand clear the site of undamaged" ungus", wet rot or dry rot arefparts of the same building, as apresent.consequence of enforcement of


(b) The building either:an ordinance or law that requiresdemolition of such undamaged (i) Sustains direct physical lossproperty. or damage that is covered

under this Coverage Part and(c) Coverage C Increased Costsuch damage results in en-of Constructionforcement of the ordinance or

We will pay under Coverage C law; orthe increased cost to:

(ii) Sustains both direct physical(i) Repair or reconstruct dam- loss or damage that is cov-

aged portions of that building; ered under this Coverageor Part and direct physical loss

or damage that is not cov-(ii) Reconstruct or remodel un-ered under this Coveragedamaged portions of thatPart and the building damagebuilding, whether or notin its entirety results in en-demolition is required;forcement of the ordinance or

when the increased cost is a law.consequence of enforcement of

If the building sustains directthe minimum requirements of thephysical loss or damage that isordinance or law.not covered under this Coverage

This Coverage C applies only if Part, and such damage is thethe restored or remodeled prop- subject of the ordinance or law,erty is intended for similar occu- then there is no coverage underpancy as the current property, this Additional Coverage even if

the building has also sustainedunless such occupancy is notcovered direct physical loss orpermitted by zoning or land usedamage.ordinance. This Coverage C does

not apply if the building is not re- (c) In the situation described in (b)paired, reconstructed or remod- (ii) above, we will not pay the fulleled. amount of loss otherwise payable

under the terms of Coverage A,(2) The coverages described in (1)B or C of this Additional Cover-above apply only if the provisions inage. Instead, we will pay a pro-Paragraphs (a) and (b) below are sat-portion of such loss. The propor-isfied and are then subject to thetion of such loss that we will payqualifications set forth in Paragraphis the proportion that the covered(c) below: direct physical loss or damage

(a) The ordinance or law: bears to the total direct physicalloss or damage.(i) Regulates the demolition,

construction or repair of However, if covered direct physi-cal loss or damage, alone, wouldbuildings, or establishes zon-have resulted in the enforcementing or land use requirementsof the ordinance or law, then weat the described premises;will pay the full amount of lossandotherwise payable under the

(ii) Is in force at the time of loss. terms of Coverage A, B, or C ofBut this Additional Coverage ap- this Additional Coverage.plies only in response to the (3) We will not pay under this Additionalminimum requirements of the or- Coverage for:dinance or law. Losses and costs

(a) Enforcement of any ordinance orincurred in complying with rec-law which requires the demoli-ommended actions or standardstion, repair, replacement, recon-

that exceed actual requirements struction, remodeling or remedia-are not covered.


tion of property due to contamina- which is performed in the course of ex-tion by "pollutants" or due to the tracting the "pollutants" from the land orpresence, growth, proliferation, water.spread or any activity of "fungus", The most we will pay under this Addi-wet rot or dry rot; tional Coverage is $100,000 for the sum

(b) The costs associated with the en- of all covered expenses arising out of allforcement of any ordinance or "specified causes of loss" occurring dur-law which requires any insured or ing each separate 12 month period of thisothers to test for, monitor, clean policy (beginning with the effective date ofup, remove, contain, treat, detox- the policy).ify or neutralize, or in any way re- j. Preservation of Propertyspond to, or assess the effects of

If it is necessary to temporarily move"pollutants", "fungus", wet rot orCovered Property from the describeddry rot; orpremises to preserve it from the threat of(c) Loss due to any ordinance or law imminent loss or damage by a Covered

that: Cause of Loss:(i) You were required by the or- (1) We will pay for the reasonable and

dinance or law to comply with necessary expenses actually incurredbefore the loss, even if the by you to remove the Covered Prop-building was undamaged; erty from the described premises,and temporarily store the Covered Prop-

(ii) You failed to comply with. erty at another location and move theCovered Property back to the de-(4) Exclusion C.1.h. Ordinance or Lawscribed premises within a reasonabledoes not apply to the insurance spe-time after the threat of imminent losscifically provided under this Additionalor damage to the property by theCoverage.Covered Cause of Loss passes. The

(5) The most we will pay under this Addi- most we will pay for the sum of alltional Coverage for loss with respect such expenses that you incur due toto all buildings lost or damaged in any the threat of loss or damage from anyone occurrence, regardless of the one occurrence is $250,000, subjectnumber of buildings involved, is to the following:$250,000.

(a) This Limit of Insurance is an addi-i. Pollutant Cleanup and Removal tional amount of insurance that is

We will pay your expense to extract "pol- not included in, and does not re-lutants" from land or water at the de- duce, the Covered Property Lim-

its of Insurance.scribed premises, if the discharge, dis-persal, seepage, migration, release or (b) When the Causes of Lossescape of the "pollutants" is caused by or Earthquake endorsement orresults from any of the "specified causes Causes of Loss Earthquakeof loss" which occurs: Sprinkler Leakage endorsement

is included in this Coverage Part,(1) On the described premises;our payment for the sum of all

(2) To Covered Property; and expenses incurred due to thethreat of loss or damage to Cov-(3) During the policy period.ered Property from all threatenedThe expenses will be paid only if they areoccurrences of all such Coveredreported to us within 180 days of the dateCauses of Loss in any one policy

on which the covered "specified cause of year will not exceed $250,000.loss" occurs. This limit is not included in, andThis Additional Coverage does not apply does not reduce, the Limits of In-to costs to test for, monitor or assess the surance that apply to loss or

damage to which the Causes ofexistence, concentration or effects ofLoss Earthquake endorsement"pollutants". But we will pay for testing


(i) The policy is amended toor the Causes of Loss Earth-quake Sprinkler Leakage en- provide insurance at the newdorsement applies. location;

(c) When the Causes of Loss (ii) The Covered Property is re-Broad Form Flood endorsement turned to the original location;is included in this Coverage Part, orour payment for the sum of all (iii) This policy expires.expenses incurred due to the

k. Reward Coveragethreat of loss or damage to Cov-ered Property from all threatened We will reimburse you for rewards youoccurrences of such Covered have incurred leading to:Cause of Loss in any one policy (1) The successful return of undamagedyear will not exceed $250,000. stolen articles of Covered Property toThis limit is not included in, and a law enforcement agency; ordoes not reduce, the Limits of In-

(2) The arrest and conviction of any per-surance that apply to loss orson(s) who have damaged or stolendamage to which the Causes ofany of your Covered Property.Loss Broad Form Flood en-

dorsement applies. The most we will pay in any one occur-rence under this Additional Coverage is(d) If the threat of imminent direct25% of the covered loss (prior to the ap-physical loss or damage to Cov-plication of any applicable deductible andered Property from the same oc-recovery of undamaged stolen articles)currence spans over multiple pol-up to a maximum of $25,000 for the pay-icy years, only the limit that ap-ments of rewards you make. These re-plies to this Coverage in the pol-ward payments must be documented. Noicy year in which the expensesdeductible applies to this Additional Cov-are first incurred by you will applyerage.to the total of the expenses in-

curred due to the threat of loss or l. Stored Waterdamage from that occurrence. (1) We will pay the cost you incur to re-

This Coverage is subject to the de- place water that is used in yourductible that applies to loss or dam- manufacturing or processing opera-age to the Covered Property by the tions which is contained in any:Covered Cause of Loss from which (a) Above-ground storage tank; orthe property is being preserved.

(b) Manufacturing or processing(2) We will also pay for any direct physi- equipment (including related pip-

cal loss of or damage to the Covered ing) at the described premises,Property while it is being moved from

when the water has been released orthe described premises, while tempo-rendered unusable for its intendedrarily stored at another location orpurpose due to direct physical loss ofwhile being moved back to the de-or damage to such tank, equipmentscribed premises, subject to the fol-or piping by a Covered Cause oflowing:Loss.

(a) This Coverage is subject to, and(2) This Additional Coverage does notdoes not increase the applicable

apply to costs to restore or replaceCovered Property Limit of Insur-water contained in any fire suppres-ance.sion system.

(b) This Coverage will only apply if(3) The most we will pay in any one oc-the loss or damage occurs within

currence under this Additional Cover-180 days after the Coveredage is $25,000.Property is first moved and will

end when any of the followingfirst occurs:


m. Water or Other Substance Loss Tear (c) Collection expenses in excess ofOut and Replacement Expense your normal collection expenses

that are made necessary by theIn the event of covered loss or damageloss; andcaused by or resulting from water (or

(d) Other reasonable expenses thatsteam), other liquid, powder or moltenmaterial, we will also pay: you incur to re-establish your re-

cords of accounts receiv ble.a(1) The necessary cost of tearing out and(2) If you cannot accurately establish thereplacing any part of a Covered

Building or Structure to repair dam- amount of accounts receivable out-age to the system or appliance from standing as of the time of loss, wewhich the water (or steam), other liq- will:uid, powder or molten material es- (a) Determine the total of the aver-capes; and age monthly amounts of accounts

(2) The cost to repair or replace dam- receivable for the 12 months im-aged parts of fire extinguishing mediately preceding the month inequipment if: which the loss occurs;

(a) The damage results in discharge (b) Adjust the total for any normalof any substance from an auto- fluctuations in the amount of ac-matic fire protective system; or counts receivable for the month

in which the loss occurred or for(b) Is directly caused by freezing.any demonstrated variance from

Except as provided under (2) above, we the average for that month; andwill not pay the cost to repair any defect

(c) Deduct the following from the to-in a system or appliance from which thetal amount of accounts receiv-water (or steam), other liquid, powder orable, however that amount is es-molten material escapes.tablished:

4. Coverage Extensions(i) The amount of the accounts

Each of the following Coverage Extensions for which there is no loss;applies subject to the Limit(s) of Insurance

(ii) The amount of the accountsstated in this Coverage Form, unless a re-that you are able to re-vised Limit of Insurance or Not Covered is in-establish or collect;dicated in the Declarations or the coverage is

(iii) An amount to allow for prob-otherwise amended by endorsement:able bad debts that you area. Accounts Receivablenormally unable to collect;

(1) You may extend the insurance that andapplies to Your Business Personal

(iv) All unearned interest andProperty to apply to losses and ex-service charges.penses described below that you in-

(3) The most we will pay in any one oc-cur resulting from direct physical lossor damage by a Covered Cause of currence under this Extension for lossLoss to your accounts receivable re- and expenses resulting from loss ofcords. Credit card company charge or damage to your records of ac-media will be considered accounts counts receivable:receiv ble until delivered to the credita (a) At or within 1,000 feet of the de-card company. scribed premises is $50,000; andWe will pay: (b) While in transit or at all unde-(a) Amounts due from your custom- scribed premises is $25,000.

ers that you are unable to collect; b. Appurtenant Buildings and Structures(b) Interest charges on any loan re- (1) At the described premises where

quired to offset amounts you are Building coverage applies:unable to collect pending our

(a) You may extend the insurancepayment of these amounts;that applies to your buildings to


(a) Any expenses incurred, directed,apply to direct physical loss ordamage by a Covered Cause of or billed by or payable to attor-Loss to incidental appurtenant neys, insurance adjusters or theirbuildings and structures which associates or subsidiaries;are at the described premises but (b) Any costs as provided in the Ap-not specifically described in the praisal Loss Condition (G.2.); orDeclarations; and

(c) Any expenses incurred, directed,(b) You may extend the insurance or billed by or payable to insur-

that applies to Your Business ance brokers or agents, or theirPersonal Property and Personal associates or subsidiaries, with-Property of Others, if any, to ap- out our written consent prior toply to direct physical loss or such expenses being incurred.damage by a Covered Cause of

(3) The most we will pay for claim dataLoss to such property locatedexpense in any one occurrence underwithin incidental appurtenantthis Extension is $25,000.buildings or structures which are

d. Covered Leasehold Interest Undam-at the described premises but notspecifically described in the Dec- aged Improvements and Bettermentslarations. (1) You may extend the insurance that

(2) Incidental appurtenant buildings or applies to Your Business Personalstructures include storage buildings, Property at the described premisesgarages, pump houses, above which you lease from others to applyground tanks, television and radio to your interest as tenant in improve-towers, antennas, satellite dishes and ments and betterments, as defined insolar panels mounted on the ground Section A.1.b.(6) of this Coverageor on poles not attached to buildings Form, which are not damaged or de-and structures. But incidental appur- stroyed, but which you lose due totenant buildings and structures do not the cancellation of your lease by yourinclude: landlord. The cancellation of your

lease by your landlord must:(a) Outside signs, whether or not at-tached to buildings or structures; (a) Result from direct physical loss of

or damage to property at the de-(b) Any property to which the Out-scribed premises where your im-door Property Coverage Exten-provements and betterments aresion applies; orlocated, caused by or resulting

(c) Any property excluded under from a Covered Cause of Loss;Section A.2. Property and Costs andNot Covered.

(b) Be permitted in accordance with(3) The most we will pay for loss or dam- the conditions of your written

age in any one occurrence under this lease agreement.Extension is $100,000.

(2) The most we will pay for loss in anyc. Claim Data Expense one occurrence under this Extension

is:(1) You may extend the insurance pro-vided by this Coverage Form to apply (a) The applicable Your Businessto the reasonable expenses you incur Personal Property Limit of Insur-in preparing claim data when we re- ance; orquire it to adjust a covered loss. This (b) $100,000;includes the cost of taking invento-

whichever is less.ries, making appraisals and preparingother documentation to show the ex- e. Deferred Paymentstent of loss. (1) You may extend the insurance that

applies to Your Business Personal(2) We will not pay for:Property to apply to your interest in


such business personal property that original "electronic data processingis sold by you under an installment data and media" are kept.plan, conditional sale, trust agree- (2) The most we will pay for loss or dam-ment or other deferred payment plan age in any one occurrence under thiswhen, as a result of direct physical Extension is $50,000.loss of or damage to such property:

g. Electronic Data Processing Data and(a) Occurring within the Coverage Media

Territory at any location, or in(1) You may extend the insurance thattransit, after delivery to buyers;

applies to Your Business PersonalandProperty and Personal Property of

(b) Caused by a Covered Cause of Others to apply to your costs to re-Loss; search, replace or restore the lost in-

the buyer refuses to continue pay- formation on lost or damaged "elec-ments owed to you for such property tronic data processing data and me-and, as a result, you repossess the dia" for which duplicates do not exist.remaining damaged property of The loss or damage to the "electronicvalue, if any. data processing data and media"

must be caused by a Covered Cause(2) The value of your loss under this Ex-of Loss.tension will be determined as follows:

(2) The most we will pay in any one oc-(a) In the event of partial loss tocurrence under this Extension for lossproperty, the value of your lossor damage to "electronic data proc-will be:essing data and media":

(i) The unpaid balance shown(a) At or within 1,000 feet of the de-on your books as due from

scribed is as follows:the buyer for such property,(i) $50,000 at all describedexcluding any interest or fees

due; minus premises unless a differentLimit of Insurance or Not(ii) The actual cash value of theCovered is shown in the Dec-repossessed damaged prop-larations or Paragraph (ii) be-erty.low applies;

(b) In the event of a total loss to(ii) When Included is shown inproperty, the value of your loss

the Declarations as the Limitwill be the unpaid balance shownof Insurance, the insuranceon your books as due from theprovided for such property isbuyer for such property, exclud-included in, and does not in-ing any interest or fees due.crease the Limit(s) of Insur-

(3) The most we will pay for loss in any ance that otherwise apply toone occurrence under this Extension loss or damage to Your Busi-is $25,000. ness Personal Property and

Personal Property of Othersf. Duplicate Electronic Data Processingat the described premisesData and Mediawhere the loss occurs;(1) You may extend the insurance that

andapplies to Your Business PersonalProperty and Personal Property of (b) At any other location where theOthers to apply to direct physical loss insurance provided under thisor damage by a Covered Cause of Coverage Form for Your Busi-Loss to duplicates of your "electronic ness Personal Property and Per-data processing data and media" sonal Property of Others applies,while stored in a separate, unat- including while in transit, is in-tached building anywhere in the Cov- cluded in and does not increaseerage Territory from where your the Limit of Insurance that other-

wise applies to loss or damage to


Your Business Personal Property to continue your normal busi-and Personal Property of Others ness operations:at that location or in transit. But, At the described prem-in no event will the amount we

ises; orpay for such loss or damage to"electronic data processing data At replacement premisesand media" under this Extension or at temporary locations,exceed the amount we would including relocation ex-have paid had the loss to "elec- penses and costs totronic data processing data and equip and operate themedia" occurred at or within replacement or tempo-1,000 feet of the described prem- rary locations;ises. (ii) To minimize the suspension

h. Employee Tools of business if you cannotcontinue your normal busi-(1) You may extend the insurance thatness operations at the de-applies to Your Business Personalscribed premises; orProperty to apply to direct physical

loss or damage by a Covered Cause (iii) To the extent that it reducesof Loss to "employee tools" at the de- the amount of loss that oth-scribed premises or while in the care, erwise would have beencustody or control of your employees payable under this Coverageat job sites or while in transit between Form:these locations.

To repair or replace any(2) The most we will pay for loss or dam- property;

age in any one occurrence under thisTo research, replace orExtension is $25,000, but not morerestore the lost informa-than $2,500 for any one item.tion on lost or damagedi. Extra Expense"electronic data process-

(1) You may extend the insurance pro- ing data and media" orvided by this Coverage Form to apply " aluable papers and re-vto the reasonable and necessary Ex- cords".tra Expense you incur, during the pe- (b) Period of restoration means theriod of restoration, due to direct period of time that:physical loss or damage to property

(i) Begins with the date of directat or within 1,000 feet of the de-physical loss or damagescribed premises caused by or result-caused by or resulting froming from a Covered Cause of Loss.any Covered Cause of Loss(2) If you occupy only a portion of aat the described premises;building in which the described prem- and

ises are located, such premises in-(ii) Ends on the earlier of:clude all routes within the building to

gain access to the portion of the The date when the prop-building which you own, rent, lease or erty at the describedoccupy. premises should be re-

(3) As used in this Extension: paired, rebuilt or replacedwith reasonable speed(a) Extra Expense means necessaryand similar quality; orexpenses you incur that you

would not have incurred if there The date when businesshad been no direct physical loss is resumed at a newor damage to property: permanent location.(i) To avoid or minimize the Period of restoration does not in-

suspension of business and clude any increased period re-


(b) Re-program the key card accessquired due to the enforcement ofany ordinance or law that: control device to accept replace-

ment key cards.(i) Regulates the construction,(2) With respect only to the insuranceuse or repair, or requires the

tearing down of any property; provided by this Extension, the fol-or lowing changes apply to the Exclu-

sions in Section C. and Limitations in(ii) Requires any insured or oth-Section D. of this Coverage Form:ers to test for, monitor, clean(a) The exclusion of loss or damageup, remove, contain, treat,

detoxify or neutralize, or in caused by or resulting from dis-any way respond to the ef- honest or criminal act under Ex-

clusion C.2.c. (Dishonesty) doesfects of "pollutants".not apply, except with respect toThe expiration date of this policydishonest or criminal act by youwill not cut short the period ofor any of your partners, directorsrestoration.or trustees;

(4) The most we will pay for all Extra Ex-(b) The exclusion of loss of propertypense in any one occurrence under

when there is no physical evi-this Extension is $25,000.dence to show what happened to

j. Fine Arts the property under LimitationsD.1.d. does not apply.(1) You may extend the insurance that

applies to Your Business Personal (3) The most we will reimburse you forProperty and Personal Property of costs under this Extension is $25,000Others to apply to direct physical loss in total arising out of all occurrencesor damage by a Covered Cause of occurring during each separate 12Loss to "fine arts" at the described month period of this policy (beginningpremises or in transit. with the effective date of the policy).

(2) The most we will pay in any one oc- l. Newly Constructed or Acquired Prop-currence under this Extension for loss ertyof or damage to "fine arts":

(1) You may extend the insurance pro-(a) At or within 1,000 feet of the de- vided by this Coverage Form to apply

scribed premises is $50,000; and to direct physical loss or damage by aCovered Cause of Loss to:(b) While in transit is $25,000.

(a) Your new buildings or additionsk. Loss of Master Keywhile being built on the described(1) If a master key or key card to build-premises or newly acquiredings, rooms or compartments that arepremises including materials,Covered Property or house Coveredequipment, supplies and tempo-Property is lost or damaged by arary structures, on or within 1,000Covered Cause of Loss, you may ex-feet of the premises;tend the insurance provided by this

(b) Buildings you acquire at locationsCoverage Form to apply to the actualother than the described prem-and necessary costs you incur to:ises; and(a) Replace keys and either:

(c) Buildings which you become(i) Adjust existing locks to ac-newly required to insure under acept the new keys; orwritten contract.

(ii) Replace existing locks, butThe most we will pay for loss or dam-only if necessary or less ex-age to Buildings in any one occur-pensive than the cost of ad-rence under this Extension isjusting the existing locks;$2,000,000 at each building.

or(2) You may extend the insurance that

applies to Your Business Personal


Property and Personal Property of motorized conveyance, whetherOthers to apply to direct physical loss or not the motor vehicle or motor-or damage by a Covered Cause of ized conveyance is in motion; orLoss to that type of property at: (b) During hitching or unhitching op-(a) A building you newly acquire or erations, or when a trailer or

construct at a location described semi-trailer becomes accidentallyin the Declarations; and unhitched from a motor vehicle or

motorized conveyance.(b) Any other location you acquire by(3) The most we will pay for loss or dam-purchase or lease (other than at

"exhibitions"). age in any one occurrence under thisExtension is $25,000.The most we will pay for loss or dam-

(4) This insurance is excess over theage to Your Business Personal Prop-erty and Personal Property of Others amount due from any other insurancein any one occurrence under this Ex- covering such property, whether youtension is $1,000,000 in total at each can collect on it or not.newly acquired premises. n. Outdoor Property

(3) Insurance provided under this Exten- (1) You may extend the insurance pro-sion for each newly acquired or con- vided by this Coverage Form to applystructed property will end when any to:of the following first occurs:

(a) Direct physical loss or damage to(a) This policy is cancelled or ex- your outdoor:

pires;(i) Fences;

(b) 180 days expire after you acquire(ii) Retaining walls that are notor begin to construct the property;

part of a building;(c) You report values to us; or

(iii) Lawns (including fairways,(d) The property is more specifically greens and tees), artificial turf

insured. (including underlayment)We will charge you additional pre- trees, shrubs and plantsmium for values reported from the (other than "stock" of trees,date construction begins or you ac- shrubs or plants);quire the property. (iv) Bridges, walks, roadways,

m. Non-Owned Detached Trailers patios or other paved sur-faces;(1) You may extend the insurance that

applies to Your Business Personal at the described premises causedProperty to apply to direct physical by or resulting from a cause of

loss described in (2) below;loss or damage by a Covered Causeof Loss to trailers or semi-trailers that andyou do not own, provided that:

(b) The reasonable and necessary(a) The trailer or semi-trailer is used expense that you incur to remove

in your business; debris of your outdoor property(b) The trailer or semi-trailer is in listed above and similar property

your care, custody or control at of others at your described prem-the described premises; and ises caused by a Cause of Loss

listed in (2) below that occurs(c) You have a contractual responsi-during the policy period. Suchbility to pay for loss or damage toexpenses will be paid only if theythe trailer or semi-trailer.are reported to us in writing within

(2) We will not pay for any loss or dam- 180 days of the direct physicalage that occurs: loss or damage. Such payment(a) While the trailer or semi-trailer is will not increase the Limit of In-

attached to any motor vehicle or


(3) Our payment for loss or damage un-surance that applies to this Ex-tension. der this Extension will only be for the

account of the owner of the property.(2) This Extension applies only if the lossq. Personal Property At Premises Out-or damage is caused by or results

side of the Coverage Territoryfrom the following causes of loss, andthen only if they are a Covered (1) You may extend the insurance thatCause of Loss: applies to Your Business Personal(a) Fire; Property and Personal Property of

Others to apply to direct physical loss(b) Lightning;or damage by a Covered Cause of

(c) Explosion; Loss to such property occurring atpremises anywhere in the world out-(d) Riot or Civil Commotion;side of the Coverage Territory pro-(e) Aircraft;vided that no trade sanction, em-

(f) Falling Objects; or bargo or similar regulation imposedby the United States of America pro-(g) "Sinkhole Collapse".hibits us from covering the loss or(3) The most we will pay for loss or dam-damage.age and debris removal expense in

(2) This Extension does not apply to:any one occurrence under this Ex-tension is $25,000, but we will not (a) Personal property at an "exhibi-pay more than $2,500 for any one tion";tree, shrub or plant.

(b) Property at any installation site oro. Outside Signs at temporary storage premises

awaiting installation;(1) You may extend the insurance pro-vided by this Coverage Form to apply (c) Sales representative property; orto direct physical loss or damage by a

(d) Personal property in transit.Covered Cause of Loss to outside(3) The most we will pay for loss or dam-signs, whether or not attached to a

age in any one occurrence under thisbuilding, at or within 1,000 feet of theExtension is $50,000.described premises or at any unde-

scribed premises. r. Personal Property In Transit Outsideof the Coverage Territory(2) The most we will pay in any one oc-

currence under this Extension for loss (1) Unless otherwise indicated in theor damage to all outside signs: Declarations or by endorsement, you(a) At or within 1,000 feet of the de- may extend the insurance provided

for Personal Property in Transit inscribed premises is $100,000;Section A.1.e. (including any mode of(b) At all undescribed premises istransportation or type of shipment ex-$5,000.clusion), to apply to Your Business

p. Personal Effects Personal Property and PersonalProperty of Others in your care, cus-(1) You may extend the insurance thattody or control in transit anywhere inapplies to Your Business Personalthe world outside of the Cov rageeProperty to apply to direct physicalTerritory provided that no sanction,loss or damage by a Covered Causeembargo or similar regulation im-of Loss to personal effects or "fineposed by the United States of Amer-arts'' owned by your officers, yourica prohibits us from covering the losspartners or your employees whileor damage.such property is at the described

premises. (2) This Extension also applies to Cov-ered Property in transit which is in the(2) The most we will pay for loss or dam-custody of your officers or employ-age in any one occurrence under thisees.Extension is $25,000 at each de-

scribed premises.


u. Valuable Papers and Records Cost(3) The most we will pay for loss or dam-of Researchage in any one occurrence under this

Extension is $25,000. (1) You may extend the insurance thatapplies to Your Business Personals. Theft Damage to Rented PropertyProperty to apply to your costs to re-

(1) You may extend the insurance that search, replace or restore the lost in-applies to Your Business Personal formation on lost or damaged "valu-Property to apply to direct physical able papers and records" for whichloss or damage by theft or attempted duplicates do not exist. The loss ortheft to: damage to "valuable papers and re-

cords" must be caused by a Covered(a) That part of any building at theCause of Loss.described premises that you oc-

cupy, but do not own, and which (2) The most we will pay for loss or dam-contains the Covered Property; age in any one occurrence under thisand Extension:

(a) At or within 1,000 feet of the de-(b) Property within such non-ownedscribed premises is $50,000; andbuilding used for maintenance or

service of the non-owned build- (b) While in transit or at all unde-ing. scribed premises is $25,000.

(2) This Extension applies only if you are B. COVERED CAUSES OF LOSSa tenant and are required in your Covered Causes of Loss means RISKS OF DI-lease to cover the expense. RECT PHYSICAL LOSS unless the loss is:

(3) We will not be liable under this Ex- 1. Excluded in Section C., Exclusions;tension for loss or damage by fire or

2. Limited in Section D., Limitations; orexplosion, or to glass (other than3. Excluded or limited in the Declarations or byglass building blocks) or to any letter-

endorsement.ing, ornamentation or burglar alarmtape on glass. C. EXCLUSIONS

(4) Payment under this Extension will not 1. We will not pay for loss or damage caused di-increase the Limit of Insurance that rectly or indirectly by any of the following.applies to Your Business Personal Such loss or damage is excluded regardlessProperty at the described premises of any other cause or event that contributeswhere the direct physical loss or concurrently or in any sequence to the loss or

damage. Exclusions C.1.a. through C.1.l. ap-damage occurs.ply whether or not the loss event results int. Undamaged Parts of Stock in Processwidespread damage or affects a substantial

(1) You may extend the insurance that area.applies to Your Business Personal a. Certain Computer-Related LossesProperty and Personal Property of

(1) Failure, malfunction or inadequacy of:Others to apply to the reduction invalue of undamaged parts of covered (a) Any of the following, whether be-products or "stock" in process which longing to any insured or to oth-become unmarketable. The reduction ers:in value must be the direct result of (i) Computer hardware, includ-direct physical loss or damage by a ing microprocessors;Covered Cause of Loss to other parts

(ii) Computer application soft-of the covered products or "stock" inware;process at the described premises.

(iii) Computer operating systems(2) The most we will pay for loss or dam- and related software;

age in any one occurrence under this(iv) Computer networks;Extension is $50,000.


(v) Microprocessors (computer including soil conditions whichchips) not part of any com- cause settling, cracking or otherputer system; or disarrangement of foundations or

other parts of realty. Soil condi-(vi) Any other computerized ortions include contraction, expan-electronic equipment or com-sion, freezing, thawing, erosion,ponents;improperly compacted soil and

or the action of water under theground surface; or(b) Any other products and services,

data or functions, that directly or (e) Volcanic eruption, explosion orindirectly use or rely upon, in any effusion.manner, any of the items listed in

(2) If Earth Movement as described in:Paragraph (1)(a) above;(a) Paragraphs (1)(a) through (1)(d)due to the inability to correctly recog-

above results in fire or explosion,nize, process, distinguish, interpret orwe will pay for the loss or dam-accept one or more dates or times.age caused by that fire or explo-

(2) Any advice, consultation, design, sion; orevaluation, inspection, installation,

(b) Paragraph (1)(e) above, results inmaintenance, repair, replacement orfire, building glass breakage orsupervision provided or done by youVolcanic Action, we will pay forto determine, rectify or test for, anythe loss or damage caused bypotential or actual problems de-that fire, building glass breakagescribed in Paragraph (1) above.or Volcanic Action.

If an excluded Cause of Loss as de-Volcanic Action means direct lossscribed in Paragraphs (1) and (2) aboveor damage resulting from theresults in any of the "specified causes oferuption of a volcano when theloss", or in elevator collision resultingloss or damage is caused by:from mechanical breakdown, we will pay(i) Airborne volcanic blast or air-only for the loss or damage caused by

such "specified causes of loss" or eleva- borne shock waves;tor collision. (ii) Ash, dust or particulate mat-We will not pay for repair, replacement or ter; ormodification of any items in Paragraphs (iii) Lava flow.(1) and (2) above to correct any deficien-

With respect to coverage for Vol-cies or change in features.canic Action as set forth in (i), (ii)

b. Earth Movement and (iii) above, volcanic erup-(1) Any of the following, all whether natu- tions that occur within any 168-

rally occurring or due to man-made or hour period will constitute a sin-other artificial causes: gle occurrence. Volcanic Action

does not include the cost to re-(a) Earthquake, including tremorsmove ash, dust or particulateand aftershocks, and earth sink-matter that does not cause directing, rising or shifting related tophysical loss or damage to thesuch event;described property.

(b) Landslide, including any earth(3) This exclusion does not apply to:sinking, rising or shifting related

(a) Personal property in transit;to such event;

(c) Mine subsidence, meaning sub- (b) Personal property at an "exhibi-sidence of a man-made mine, tion";whether or not mining activity has (c) Sales representative property; orceased;

(d) Personal property in the custody(d) Earth sinking (other than "sink- of any officer or employee of the

hole collapse"), rising, or shifting


h. Ordinance or Lawinsured while traveling outside ofthe Coverage Territory. (1) The enforcement of any ordinance or

law:c. Fungus, Wet Rot or Dry Rot(a) Regulating the construction, usePresence, growth, proliferation, spread or

or repair of any property; orany activity of "fungus", wet rot or dry rot.(b) Requiring the tearing down of anyBut if "fungus", wet rot or dry rot results in

property, including the cost ofany of the "specified causes of loss", weremoving its debris.will pay for the loss or damage caused by

(2) This exclusion, Ordinance or Law,such "specified causes of loss".applies whether the loss results from:This exclusion does not apply:(a) An ordinance or law that is en-(1) When "fungus", wet rot or dry rot re-

forced even if the property hassults from fire or lightning; or not been damaged; or(2) To the extent that coverage is pro- (b) The increased costs incurred to

vided under the Limited Coverage for comply with an ordinance or lawFungus, Wet Rot or Dry Rot Addi- in the course of construction, re-tional Coverage. pair, renovation, remodeling or

demolition of property, or removald. Governmental Actionof its debris, following a physicalSeizure or destruction of property by or-loss to that property.

der of governmental authority except asi. Utility Servicesprovided for under the Additional Cover-

age Ordinance or Law Coverage. The failure or fluctuation of power, com-munication, water or other utility serviceBut we will pay for loss or damagesupplied to the described premises, how-caused by or resulting from acts of de-ever caused, if the failure or fluctuation:struction ordered by governmental au-(1) Originates away from the describedthority and taken at the time of a fire to

premises; orprevent its spread, if the fire would becovered under this Coverage Part. (2) Originates at the described premises,

but only if such failure or fluctuatione. Intentional Lossinvolves equipment used to supply

Any act an insured commits or conspires the utility service to the describedto commit with the intent to cause a loss. premises from a source away from

the described premises.In the event of such loss, no insured isentitled to coverage, including insureds Failure or fluctuation of any utility servicewho did not commit or conspire to commit includes lack of sufficient capacity andthe act causing the loss. reduction in supply.

f. Neglect But if the failure or fluctuation of power,communication, water or other utility ser-Neglect of an insured to use reasonablevice results in a Cov red Cause of Loss,emeans to save and preserve propertywe will pay for the loss or damage causedfrom further damage at and after the timeby that Covered Cause or Loss.of loss.Communication services include serviceg. Nuclear Hazardrelating to Internet access or access to

Nuclear reaction or radiation, or radioac- any electronic, cellular or satellite net-tive contamination, however caused. work.But if nuclear reaction or radiation, or ra- j. Virus or Bacteriadioactive contamination results in fire, we (1) Any virus, bacterium, or other micro-will pay for the loss or damage caused by organism that induces or is capablethat fire. of inducing physical distress, illness

or disease.


(2) With respect to any loss or damage (e) Waterborne material carried orsubject to this exclusion, this exclu- otherwise moved by any of thesion supersedes any exclusion relat- water referred to in Paragraphs

(a), (c) and (d) above, or materialing to "pollutants".carried or otherwise moved byk. War and Military Actionmudslide or mudflow.

(1) War, including undeclared or civilBut if Water , as described in (a)war;through (e) above, results in fire, ex-

(2) Warlike action by a military force, in- plosion or sprinkler leakage, we willcluding action in hindering or defend- pay for the loss or damage caused bying against an actual or expected at- that fire, explosion or sprinkler leak-tack, by any government, sovereign age.or other authority using military per-

(2) This exclusion does not apply to:sonnel or other agents; or(a) Personal property in transit;(3) Insurrection, rebellion, revolution,(b) Personal property at an "exhibi-usurped power, or action taken by

governmental authority in hindering tion";or defending against any of these. (c) Sales representative property; or

l. Water (d) Personal property in the custody(1) Any of the following, all whether natu- of any officer or employee of the

rally occurring or due to man-made or insured while traveling outside ofother artificial causes: the Coverage Territory.

(a) Flood, surface water, waves (in- 2. We will not pay for loss or damage caused bycluding tidal wave and tsunami), or resulting from any of the following:tides, tidal water, overflow of any a. Collapsebody of water, or spray from any

(1) Collapse, including any of the follow-of these, all whether driven bying conditions of property or any por-wind (including storm surge) ortion of the property:not;(a) An abrupt falling down or caving(b) Mudslide or mudflow;

in;(c) Water or sewage that backs up or(b) Loss of structural integrity, includ-overflows or is otherwise dis-

charged from a sewer, drain, ing separation of portions of thesump, sump pump or related property or property in danger ofequipment. However, this exclu- falling down or caving in; orsion does not apply to the backup (c) Any cracking, bulging, sagging,or overflow of water or sewage

bending, leaning, settling, shrink-from drains within a building if theage, or expansion as such condi-backup or overflow is not other-tion relates to Paragraphs (a) orwise directly or indirectly caused(b) above.by the Water Exclusions in Para-

graphs (a) or (b) above or in But if collapse results in a CoveredParagraphs (d) or (e) below. Cause of Loss at the described prem-

ises, we will pay for the loss or dam-(d) Water under the ground surfaceage caused by that Covered Causepressing on, or flowing or seepingof Loss.through:

(2) This Exclusion does not apply:(i) Foundations, walls, floors orpaved surfaces; (a) To an abrupt collapse to the ex-

(ii) Basements, whether paved tent that coverage is providedor not; or under the Abrupt Collapse Addi-

tional Cov rage ine (3) below; or(iii) Doors, windows or otheropenings; or


(b) To collapse of Covered Property (iv) Use of defective material orcaused by one or more of the fol- methods of construction, re-lowing: modeling or renovation if the

abrupt collapse occurs after(i) Any of the "specified causesthe construction, remodeling,of loss" or breakage of build-or renovation is complete, buting glass, all only as insuredonly if the collapse is causedagainst in this Coverage Part;in part by:

(ii) Weight of rain that collects onA cause of loss listed ina roof; orParagraphs (3)(b)(i) or(iii) Weight of people or personal (3)(b)(ii) above;

property.One or more of the(3) Abrupt Collapse Additional Coverage"specified causes of

The term Covered Cause of Loss in- loss";cludes abrupt collapse as described

Breakage of buildingand limited under Paragraphs (a)glass;through (g) below.

Weight of people or(a) As used in this Additional Cover-age, abrupt collapse means property; orabrupt falling down or caving in of Weight of rain that col-a building or any portion of a lects on a roof.building with the result that the

(c) Abrupt collapse under Para-building or portion of the buildinggraphs (3)(a) and (b) above doescannot be occupied for its in-not apply to:tended purpose.(i) A building or any portion of a(b) We will pay for direct physical

building that is in danger ofloss of or damage to Coveredfalling down or caving in;Property, caused by abrupt col-

(ii) A portion of a building that islapse of a building or any portionstanding, even if it has sepa-of a building that is insured underrated from another portion ofthis Coverage Form, or that con-the building; ortains Covered Property insured

(iii) A building that is standing orunder this Coverage Form, ifany portion of a building thatsuch collapse is caused by oneis standing, even if it showsor more of the following:evidence of cracking, bulging,(i) Building decay that is hiddensagging, bending, leaning,

from view, unless the pres- settling, shrinkage or expan-ence of such decay is known sion.to an insured prior to col-

(d) With respect to the followinglapse;property:

(ii) Insect or vermin damage that(i) Television and radio towers,is hidden from view, unless

antennas, satellite dishes,the presence of such dam-guy wires, lead-in wiring andage is known to an insuredmasts;prior to collapse;

(ii) Awnings, canopies, gutters,(iii) Use of defective material or downspouts and fences;

methods in construction, re-(iii) Yard fixtures;modeling or renovation if the(iv) Outdoor swimming pools;abrupt collapse occurs during

the course of the construc- (v) Bulkheads, pilings, piers,tion, remodeling or renova- wharves and docks;tion;


(vi) Beach or diving platforms or (g) This Abrupt Collapse Additionalappurtenances; Coverage will not increase the

Limits of Insurance provided in(vii) Retaining walls;this Coverage Part.

(viii) Underground pipes, flues orb. Consequential Lossdrains; and

(1) Delay, loss of use or loss of market;(ix) Walkways, roadways andorother paved surfaces;

(2) Loss of business income or extra ex-if abrupt collapse is caused by apense except as specifically providedCause of Loss listed in Para-in this Coverage Part.graphs (3)(b)(i) through (3)(b)(iv)

c. Dishonestyabove, we will pay for loss ordamage to that property only if: Dishonest or criminal act by you, any of(i) Such loss or damage is a di- your partners, members, officers, manag-

rect result of the abrupt col- ers, employees (including leased em-lapse of a building or any por- ployees), directors, trustees, authorizedtion of a building insured un- representatives or anyone to whom youder this Coverage Form; and entrust the property for any purpose:

(ii) The property is Covered (1) Acting alone or in collusion with oth-Property under this Coverage ers; orForm. (2) Whether or not occurring during the

(e) If personal property abruptly falls hours of employment.down or caves in and such col- This exclusion does not apply to acts oflapse is not the result of abrupt destruction by your employees (includingcollapse of a building or any por- leased employees), but theft by employ-tion of a building, we will pay for ees is not covered.loss or damage to Covered Prop-

This exclusion does not apply to carrierserty caused by such collapse offor hire.personal property only if:

d. Electrical Damage or Disturbance(i) The collapse of personalproperty was caused by a Artificially generated electrical, magneticCause of Loss listed in Para- or electromagnetic energy that damages,graphs (3)(b)(i) through disturbs or otherwise interferes with any:(3)(b)(iv) above; (1) Electrical or electronic wire, device,

(ii) The personal property which appliance, system or network; orcollapses is inside a building; (2) Device, appliance, system or networkand utilizing cellular or satellite technol-

(iii) The personal property which ogy.collapses is not of a kind Electrical, magnetic or electromagneticlisted in Paragraph (3)(d) energy includes:above, regardless of whether

(1) Electrical current, including arcing;that kind of property is con-sidered to be personal prop- (2) Electrical charge produced or con-erty or real property. ducted by a magnetic or electromag-

netic field;(f) This Abrupt Collapse AdditionalCoverage does not apply to per- (3) Pulse of electromagnetic energy;sonal property that has not (4) Electromagnetic waves or micro-abruptly fallen down or caved in, waves.even if the personal property

But if fire results, we will pay for the lossshows evidence of cracking,or damage caused by that fire.bulging, sagging, bending, lean-

ing, settling, shrinkage or expan- This Exclusion does not apply to loss orsion. damage to "electronic data processing


(5) Nesting or infestation or discharge orequipment" or "electronic data processingdata and media". release of waste products or secre-

tions, by insects, birds, rodents ore. Explosionother animals;

Explosion of steam boilers, steam gen-(6) Mechanical breakdown, includingerators, steam pipes, steam engines or

rupture or bursting caused by cen-steam turbines owned or leased by you,trifugal force. But if mechanicalor operated under your control.breakdown results in elevator colli-

But if explosion of steam boilers, steam sion, we will pay for the loss or dam-generators, steam pipes, steam engines, age caused by that elevator collision.or steam turbines results in fire or com-

This Exclusion does not apply to lossbustion explosion, we will pay for the lossor damage to "electronic data proc-or damage caused by that fire or combus-essing equipment" or "electronic datation explosion. We will also pay for loss orprocessing data and media";damage caused by or resulting from the

(7) The following causes of loss to per-explosion of gases or fuel within the fur-nace of any fired vessel or within the flues sonal property:or passages through which the gases of (a) Dampness or dryness of atmos-combustion pass. phere;

f. Exposed Property (b) Changes in or extremes of tem-Rain, snow, sand, dust, ice or sleet to perature;personal property in the open (other than (c) Changes in flavor, color, textureto property in the custody of a carrier for or finish;hire).

(d) Contamination by other than "pol-g. Freezing lutants"; and

Water, other liquids, powder or molten (e) Marring or scratching.material that leaks or flows from plumb-

But if an excluded cause of loss that ising, heating, air conditioning, ventilationlisted in Paragraphs (1) through (7) aboveor other equipment (except fire protectiveresults in any of the "specified causes ofsystems) caused by or resulting fromloss" or building glass breakage, we willfreezing, unless:pay for the loss or damage caused by

(1) You do your best to maintain heat in such "specified causes of loss" or buildingthe building or structure; or glass breakage.

(2) You drain the equipment and shut off Also, if an excluded cause of loss listed inthe supply if the heat is not main- Paragraphs (1) through (5) or (7) abovetained. results in mechanical breakdown of "elec-

h. Liquid Seepage or Leakage tronic data processing equipment", wewill pay for the loss or damage caused byContinuous or repeated seepage or leak-that mechanical breakdown of "electronicage of water or other liquid, or the pres-data processing equipment".ence or condensation of humidity, mois-

ture or vapor that occurs over a period of j. Pollution14 days or more. Discharge, dispersal, seepage, migration,

i. Other Types of Losses release or escape of "pollutants" unlessthe discharge, dispersal, seepage, migra-(1) Wear and tear;tion, release or escape is itself caused by

(2) Rust, or other corrosion, decay, dete- any of the "specified causes of loss". Butrioration, hidden or latent defect or if the discharge, dispersal, seepage, mi-any quality in property that causes it gration, release or escape of "pollutants"to damage or destroy itself; results in any of the "specified causes of

loss", we will pay for the loss or damage(3) Smog;caused by such "specified causes of(4) Settling, cracking, shrinking, bulgingloss".or expansion;


k. Smoke, Vapor or Gas (1) Any cost of:

(a) Correcting or making good theSmoke, vapor or gas from agriculturalsmudging or industrial operations. fault, inadequacy or defect itself;

orThis exclusion does not apply to emis-(b) Tearing down, tearing out, repair-sions or puff backs of smoke, soot, fumes

or vapors from a boiler, furnace or related ing or replacing any part of anyequipment. property to correct the fault, in-

adequacy or defect;l. Voluntary Partingexcept as specifically provided underVoluntary parting with any property bythe Water or Other Substance Lossyou or anyone else to whom you have en-Tear Out and Replacement Expensetrusted the property.Additional Coverage; or

This Exclusion does not apply to insur-(2) Any resulting loss or damage by aance provided under this Coverage Form

Covered Cause of Loss to the prop-for personal property in transit if the losserty that has the fault, inadequacy orto Covered Property is caused by yourdefect until the fault inadequacy oracceptance, in good faith, of false bills ofdefect is corrected.lading or shipping receipts.

4. Special Exclusions3. We will not pay for loss or damage caused byor resulting from any of the following, 3.a. The following exclusions apply only with re-

spect to the specified coverage or property.through 3.c., but if an excluded cause of lossthat is listed in 3.a. and 3.b. below results in a a. Accounts ReceivableCovered Cause of Loss, we will pay for the

Under the Accounts Receivable Cover-loss or damage caused by that Coveredage Extension, we will not pay for:Cause of Loss.(1) Loss or damage caused by or result-a. Weather conditions. But this exclusion

ing from bookkeeping, accounting oronly applies if weather conditions contrib-billing errors or omissions;ute in any way with a cause or event ex-

cluded in C.1. above to produce the loss (2) Any loss or damage that requires anor damage. audit of records or an inventory com-

putation to prove its factual existence;b. Acts or decisions, including the failure tooract or decide, of any person, group, or-

ganization or governmental body except (3) Loss or damage caused by or result-as provided in the Additional Coverage ing from alteration, falsification, con-Ordinance or Law Coverage. cealment or destruction of records of

accounts receivable done to concealc. Faulty, inadequate or defective:wrongful giving, taking or withholding

(1) Planning, zoning, development, sur- of money, securities or other prop-veying, siting; erty. But this exclusion only applies to

(2) Design, specifications, workmanship, the wrongful giving, taking or with-repair, construction, renovation, re- holding.modeling, grading, compaction; b. Valuable Papers and Records

(3) Materials used in repair, construction, We will not pay for any loss of or damagerenovation or remodeling; or to "valuable papers and records" caused

(4) Maintenance; by or resulting from the following. In addi-tion, we will not pay for any loss that is aof part or all of any property on or off theconsequence of such loss or damage.described premises.(1) Unauthorized viewing, copying or useIf an excluded cause of loss that is listed

of electronic data (or any proprietaryin 3.c. above results in a Covered Causeor confidential information or intellec-of Loss, we will pay for the resulting losstual property in any form) by any per-or damage caused by that Coveredson, even if such activity is character-Cause of Loss. But we will not pay for:ized as theft;


(2) Errors or omissions in processing or connected or on which your sys-copying. But if errors or omissions in tem depends (including the elec-processing or copying results in fire tronic data in such system oror explosion, we will pay for the re- network) results in any of thesulting loss or damage caused by "specified causes of loss" or re-that fire or explosion; or sults in mechanical breakdown of

"electronic data processing(3) Unauthorized instructions to transferequipment", we will pay for theproperty to any person or place.loss or damage caused by that

c. Electronic Data Processing Equipment "specified cause of loss" or me-and Electronic Data Processing Data chanical breakdown of "electronicand Media data processing equipment"; or(1) We will not pay for loss of or damage (d) Unexplained or indeterminable

to "electronic data processing equip- failure, malfunction or slowdownment", any other programmable elec- of any electronic data processingtronic machines, "electronic data system or network, including theprocessing data and media" or other electronic data in such system orelectronic data caused by or resulting network, and the inability to ac-from the following. In addition, we will cess or properly manipulate thenot pay for any loss that is a conse- electronic data.quence of such loss or damage.

(2) We will not pay for loss of or damage(a) Programming errors, omissions to "electronic data processing data

or incorrect instructions to a ma- and media" or other electronic datachine. But if programming errors, while being sent electronically. In ad-omissions or incorrect instruc- dition, we will not pay for any losstions to a machine result in any of that is a consequence of such loss orthe "specified causes of loss" or damage.result in mechanical breakdown

5. Additional Exclusionof "electronic data processingequipment", we will pay for the The following exclusion applies only toloss or damage caused by that loss or damage to the specified property"specified cause of loss" or me- and to loss that is a consequence of suchchanical breakdown of "electronic loss or damage to the specified property.data processing equipment"; Loss or Damage to Products

(b) Unauthorized viewing, copying or We will not pay for loss of or damage touse of "electronic data processing any merchandise, goods or other productdata and media" by any person, caused by or resulting from error or omis-even if such activity is character- sion by any person or entity (includingized as theft; those having possession under an ar-

(c) Errors or deficiency in design, in- rangement where work or a portion of thestallation, maintenance, repair or work is outsourced) in any stage of themodification of your electronic development, production or use of thedata processing system or any product, including planning, testing, proc-electronic data processing sys- essing, packaging, installation, mainte-tem or network to which your sys- nance or repair. This exclusion applies totem is connected or on which any effect that compromises the form,your system depends (including substance, or quality of the product. But,the electronic data in such sys- if such error or omission results in a Cov-tem or network). But if errors or ered Cause of Loss, we will pay for thedeficiency in design, installation, loss or damage caused by that Coveredmaintenance, repair or modifica- Cause of Loss.tion of your electronic data proc- D. LIMITATIONSessing system or any electronic

The following limitations apply to all coveragedata processing system or net-forms and endorsements unless otherwise stated.work to which your system is


1. We will not pay for loss of or damage to prop- 2. The special limit shown for each category, a.erty, as described and limited in this section. through c., is the total limit for loss of or dam-In addition, we will not pay for any loss that is age to all property in each category. The spe-a consequence of loss or damage as de- cial limit applies to any one occurrence ofscribed and limited in this section. theft, regardless of the types or number of ar-

ticles that are lost or damaged in that occur-a. Steam boilers, steam pipes, steam en-rence. The special limits are:gines or steam turbines caused by or re-

sulting from any condition or event inside a. $25,000 for furs, fur garments and gar-such equipment. But we will pay for loss ments trimmed with fur.of or damage to such equipment caused

b. $25,000 for jewelry, watches, watchby or resulting from an explosion of gasesmovements, jewels, pearls, precious andor fuel within the furnace of any fired ves-semi-precious stones, bullion, gold, silver,sel or within the flues or passagesplatinum and other precious alloys orthrough which the gases of combustionmetals, but;pass.

b. Hot water boilers or other water heating (1) This limit is increased to $50,000 forequipment caused by or resulting from gold, silver, platinum, and other pre-any condition or event inside such boilers cious alloys or metals used as a rawor equipment, other than an explosion. material in your manufacturing proc-

ess; andc. The "interior of a building or structure", orto personal property in the building or (2) This limit does not apply to jewelrystructure, caused by or resulting from and watches worth $100 or less perrain, snow, sleet, ice, sand or dust, item.whether driven by wind or not, unless:

c. $5,000 for stamps, tickets (including lot-(1) The building or structure first sustains tery tickets held for sale) and letters of

damage by a Covered Cause of Loss credit.to its roof or walls through which the

These special limits are part of, not in additionrain, snow, sleet, ice, sand or dustto, the Limit of Insurance applicable to theenters; orCovered Property.(2) The loss or damage is caused by or

3. If the building where loss or damage occursresults from thawing of snow, sleet orice on the building or structure. has been "vacant" for a period of more than

60 consecutive days before that loss or dam-d. Property that is missing, where the onlyage occurs:evidence of the loss or damage is a

shortage disclosed on taking inventory, or a. We will not pay for any loss or damageother instances where there is no physi- caused by any of the following even ifcal evidence to show what happened to they are Covered Causes of Loss:the property.

(1) Vandalism;This limitation does not apply to property

(2) Sprinkler leakage, unless you havein the custody of a carrier for hire.protected the system against freez-

e. Property that has been transferred to a ing;person or place outside the described

(3) Building glass breakage;premises on the basis of unauthorized in-structions. (4) Water damage;

f. Trees, shrubs, plants or lawns on a vege- (5) Theft; ortative roof or "stock" of outdoor trees,

(6) Attempted theft.shrubs and plants caused by or resultingb. With respect to Covered Causes of Lossfrom:

other than those listed in a.(1) through(1) Dampness or dryness of atmosphere;a.(6) above, we will reduce the amount

(2) Changes in or extremes of tempera- we would otherwise pay for the loss orture; or damage by 15%.

(3) Rain, snow, sand, dust, ice or sleet.


E. LIMITS OF INSURANCE amounts applied in that occurrence will not ex-ceed the amount of the largest applicable de-The most we will pay for loss or damage in anyductible.one occurrence is the applicable Limit of Insur-

G. LOSS CONDITIONSance shown in the Declarations, Schedules, Cov-erage Form(s), or Endorsement(s). The following conditions apply in addition to thePayments under: Common Policy Conditions Deluxe:

1. The following Additional Coverages: 1. Abandonment

a. Fire Department Service Charge; There can be no abandonment of any prop-erty to us.b. Fire Protective Equipment Discharge;

2. Appraisalc. Limited Coverage for Fungus, Wet Rot orDry Rot; If we and you disagree on the value of the

property or the amount of loss, either mayd. Stored Water; andmake written demand for an appraisal of the

e. Water or Other Substance Loss Tear loss. In this event, each party will select aOut and Replacement Expense; competent and impartial appraiser. The two

appraisers will select an umpire. If they can-andnot agree, either may request that selection2. The following Coverage Extensions:be made by a judge of a court having jurisdic-

a. Covered Leasehold Interest Undam- tion. The appraisers will state separately theaged Improvements and Betterments; value of the property and amount of loss. Ifand they fail to agree, they will submit their differ-

ences to the umpire. A decision agreed to byb. Theft Damage To Rented Property;any two will be binding. Each party will:are included in and do not increase the applicablea. Pay its chosen appraiser; andLimits of Insurance.b. Bear the other expenses of the appraisalPayments under the Debris Removal Additional

and umpire equally.Coverage and the Preservation of Property Addi-tional Coverage are included in the applicable If there is an appraisal, we will still retain ourCovered Property Limit(s) of Insurance and/or are right to deny the claim.additional insurance, as described in the Debris

3. Duties in the Event of Loss or DamageRemoval Additional Coverage in Section A.3.a.a. You must see that the following are doneand the Preservation of Property Additional Cov-

in the event of loss of or damage to Cov-erage in Section A.3.j.ered Property:Payments under the Electronic Data Processing(1) Notify the police if a law may haveData and Media Coverage Extension are included

been broken.in the applicable Covered Property Limit(s) of In-surance and/or are additional insurance, as de- (2) Give us prompt notice of the loss orscribed in the Electronic Data Processing Data damage. Include a description of theand Media Coverage Extension in Section A.4.g. property involved.The remaining Additional Coverages in Section (3) As soon as possible, give us a de-A.3. and the remaining Coverage Extensions in scription of how, when, and whereSection A.4. are additional insurance. the loss or damage occurred.

F. DEDUCTIBLE (4) Take all reasonable steps to protectthe Covered Property from furtherWe will not pay for loss or damage in any onedamage, and keep a record of youroccurrence until the amount of loss or damageexpenses necessary to protect theexceeds the applicable Deductible shown in theCovered Property, for considerationDeclarations. We will then pay the amount of lossin the settlement of the claim. Thisor damage in excess of the applicable Deductible,will not increase the Limit of Insur-up to the applicable Limit of Insurance.ance. However, we will not pay forUnless otherwise stated, if more than one de-any loss or damage resulting from aductible amount applies to loss or damage in anycause of loss that is not a Coveredone occurrence, the total of the deductibleCause of Loss. Also, if feasible, set


(4) Repair, rebuild, or replace the prop-the damaged property aside and inthe best possible order for examina- erty with other property of like kind

and quality subject to b., c., d. and e.tion.below.(5) At our request, give us complete in-

ventories of the damaged and un- b. A party wall is a wall that separates and isdamaged property. Include quantities, common to adjoining buildings that arecosts, values and amount of loss owned by different parties. In settlingclaimed. covered losses involving a party wall, we

will pay a proportion of the loss to the(6) As often as may be reasonably re-party wall based on your interest in thequired, permit us to inspect the prop-wall in proportion to the interest of theerty and records proving the loss or

damage and examine your books and owner of the adjoining building. However,records. if you elect to repair or replace your build-

ing and the owner of the adjoining build-Also permit us to take samples ofing elects not to repair or replace thatdamaged and undamaged propertybuilding, we will pay you the full value offor inspection, testing and analysisthe loss to the party wall, subject to alland permit us to make copies fromapplicable Coverage Part provisions in-your books and records.cluding Limits of Insurance, the Valuation(7) Send us a signed, sworn proof of lossLoss Condition and all other provisions ofcontaining the information we requestthis Loss Payment Loss Condition. Ourto investigate the claim. You must dopayment under the provisions of thisthis within 60 days after our request.paragraph does not alter any right of sub-We will supply you with the neces-rogation we may have against any entity,sary forms.including the owner or insurer of the ad-(8) Cooperate with us in the investigationjoining building, and does not alter theor settlement of the claim.terms of the Additional Condition Trans-

(9) You will not, except at your own cost, fer of Rights of Recovery Against Othersvoluntarily make a payment, assume To Us in this Coverage Form.any obligation, or incur any expense

c. Except as provided in the Additional Cov-without our consent except as re-erage - Ordinance or Law Coverage, thespects to protecting property from fur-cost to repair, rebuild or replace does notther damage.include the increased cost attributable tob. We may examine any insured under oath,enforcement of any ordinance or lawwhile not in the presence of any other in-regulating the construction, use or repairsured and at such times as may be rea-of any property.sonably required, about any matter relat-

ing to this insurance or the claim, includ- d. The following loss payment provisions areing an insured's books and records. In the subject to the apportionment proceduresevent of an examination, an insured's an- set forth in Additional Coverage Ordi-swers must be signed. nance or Law Coverage:

4. Loss Payment The most we will pay, for the total of allcovered losses in any one occurrencea. In the event of loss or damage coveredunder Coverage A Coverage For Lossby this Coverage Form, at our option, we

will either: To The Undamaged Portion of the Build-ing, Coverage B Demolition Cost Cov-(1) Pay the value of lost or damagederage and Coverage C Increased Costproperty;of Construction Coverage, is the Com-

(2) Pay the cost of repairing or replacing bined Limit of Insurance shown in thethe lost or damaged property subject Declarations for Ordinance or Law Cov-to b., c., d. and e. below;

erage. Subject to this Combined Limit of(3) Take all or any part of the property at Insurance, the following loss payment

an agreed or appraised value; or provisions apply:


(1) For a loss in value of an undamaged Additional Coverage Ordinanceportion of a building to which Cover- or Law Coverage;age A applies, the loss payment for whichever is less.that undamaged portion of the build-

(3) Loss payment under Coverage C willing will be determined as follows:be determined as follows:

(a) If Replacement Cost Coverage(a) We will not pay under Coverageapplies and the property is being

C:repaired or replaced, on thesame or another location, we will (i) Until the property is actuallynot pay more than the lesser of: repaired or replaced, at the

same or another location;(i) The cost to repair, rebuild orandreconstruct the undamaged

portion of the building that (ii) Unless the repairs or re-was necessarily demolished placement are made as soonas a consequence of the or- as reasonably possible afterdinance or law but not for the loss or damage, not tomore than the amount it exceed two years. We maywould cost to restore that un- extend this period in writingdamaged portion of the build- during the two years.ing on the same location and (b) If the building is repaired or re-to the same height, floor placed at the same location, or ifarea, style and comparable you elect to rebuild at another lo-quality of the original property cation, the most we will pay un-insured; or der Coverage C is the lesser of:

(ii) The Combined Limit of Insur- (i) The increased cost of con-ance shown in the Declara- struction at the same loca-tions for the Additional Cov- tion; orerage Ordinance or Law

(ii) The Combined Limit of Insur-Coverage.ance shown in the Declara-

(b) If Replacement Cost Coverage tions for the Additional Cov-applies and the property is not erage Ordinance or Lawrepaired or replaced, or if Re- Coverage.placement Cost Coverage does

(c) If the ordinance or law requiresnot apply, we will not pay morerelocation to another location, thethan the lesser of:most we will pay under Coverage

(i) The Actual Cash Value at the C is the lesser of:time of loss of the undam-

(i) The increased cost of con-aged portion of the buildingstruction at the new location;that is required to be demol-orished as a consequence of

the ordinance or law; or (ii) The Combined Limit of Insur-ance shown in the Declara-(ii) The Combined Limit of Insur-tions for the Additional Cov-ance shown in the Declara-erage Ordinance or Lawtions for the Additional Cov-Coverage.erage Ordinance or Law

Coverage. e. Except as specifically provided under the:

(2) Loss payment under Coverage B will (1) Green Building Alternatives In-be determined as follows: creased Cost Additional Coverage;

and(a) The amount you actually spendto demolish and clear the site; or (2) Green Building Reengineering and

Recertification Expense Additional(b) The Combined Limit of InsuranceCoverage;shown in the Declarations for the


(1) The total of a.(1) and a.(2) above;the cost to repair, rebuild or replace doesnot include any cost incurred to reattain a (2) The value of the recovered property;pre-loss level of "green building" certifica- ortion from a "Green Authority".

(3) The Limit of Insurance;f. With respect to our options listed in

whichever is less.4.a.(1) through 4.a.(4) above, we will givenotice of our intentions within 30 days af- 6. Valuationter we receive the proof of loss. We will determine the value of Covered Prop-

g. We will not pay you more than your finan- erty in the event of loss or damage as follows:cial interest in the Covered Property. a. At replacement cost as of the time of loss

h. We may adjust losses with the owners of or damage, except as otherwise providedlost or damaged property if other than in this Valuation Loss Condition. Re-you. If we pay the owners, such pay- placement cost is the cost to replacements will satisfy your claims against us Covered Property at the time of loss orfor the owner's property. We will not pay damage without deduction for deprecia-the owners more than their financial intion.terest in the Covered Property. (1) You may make a claim for loss or

i. We may elect to defend you against suits damage covered by this insurance onarising from claims of owners of property. an actual cash value basis instead ofWe will do this at our expense. on a replacement cost basis. In the

event you elect to have loss or dam-j. We will pay for covered loss or damageage settled on an actual cash valuewithin 30 days after we receive the swornbasis, you may still make a claim onproof of loss, if:a replacement cost basis if you notify

(1) You have complied with all of the us of your intent to do so within 180terms of this Coverage Part; and days after the loss or damage.

(2) (a) We have reached agreement with (2) We will not pay on a replacementyou on the amount of loss; or cost basis for any loss or damage:

(b) An appraisal award has been (a) Until the lost or damaged prop-made. erty is actually repaired or re-

placed; andk. At our option, we may make a partialpayment toward any claims, subject to (b) Unless the repairs or replace-the policy provisions and our normal ad- ment are made as soon as rea-justment process. To be considered for a sonably possible after the loss orpartial claim payment, you must submit a damage.partial sworn proof of loss with supporting

Instead, we will pay on an actualdocumentation. Any applicable policy de-cash value basis. This restrictionductibles must be satisfied before anydoes not apply to losses less thanpartial payments are made.$10,000.

5. Recovered Property(3) We will not pay more for loss or dam-

If either you or we recover any property after age on a replacement cost basis thanloss settlement, that party must give the other the least of (a), (b), or (c), subject toprompt notice. At your option, the property will (4) below:be returned to you. You must then return to

(a) The Limit of Insurance applicableus the amount we paid to you for the prop-to the lost or damaged property;erty.

(b) The cost to replace, at the samea. We will pay:premises, the lost or damaged

(1) Recovery expenses; and property with other property;(2) Costs to repair the recovered prop- (i) Of comparable material and

erty; quality; andb. But the amount we will pay will not ex-

ceed:


(ii) Used for the same purpose; Electronic Data Processing Data and Me-or dia Coverage Extension.

(c) The amount you actually spend d. Tenant's improvements and bettermentsthat is necessary to repair or re- at:place the lost or damaged prop- (1) Replacement cost of the lost or dam-erty. aged property if it is actually repaired

If a building is rebuilt at a different or replaced as soon as reasonablypremises, the cost described in (b) possible.above is limited to the cost which (2) A proportion of your original cost ifwould have been incurred had the you do not make repairs as soon asbuilding been built at the original reasonably possible. We will deter-premises. mine the proportionate value as fol-

(4) The cost to repair, rebuild, or replace lows:does not include the increased cost (a) Multiply the original cost by theattributable to enforcement of any or- number of days from the loss ordinance or law regulating the con- damage to the expiration of thestruction, use or repair of any prop- lease; anderty, except as provided in the Addi-

(b) Divide the amount determined intional Coverage - Ordinance or Law(a) above by the number of daysCoverage.from the installation of improve-

b. "Electronic data processing equipment" ments to the expiration of thewill be valued at replacement cost as of lease.the time and place of loss, in accordance

If your lease contains a renewal op-with the replacement cost provisions con-tion, the expiration of the renewal op-tained in this Valuation Loss Condition.tion period will replace the expirationHowever, if replacement of "electronicof the lease in this procedure.data processing equipment" with compa-

(3) Nothing if others pay for repairs orrable property is impossible, the replace-ment cost will be the cost of items that replacement.are similar to the damaged or destroyed e. Personal property you have sold but notequipment and intended to perform the delivered at the selling price less dis-same function, but which may include counts and expenses you otherwisetechnological advances. would have had.In no event will the value determined for: f. Personal property of others at the lesser(1) "Electronic data processing equip- of:

ment" owned by others exceed the (1) The valuation of such property if itamount for which you are liable; or were owned by you; or

(2) "Electronic data processing equip- (2) The amount for which you are con-ment" that is obsolete or no longer tractually liable, not to exceed the re-used by you exceed the actual cash placement cost.value of such equipment at the time

g. "Stock" in process at the cost of raw ma-of loss.terials and labor, plus the proper propor-

c. "Electronic data processing data and me- tion of overhead charges.dia" will be valued at:

h. Finished "stock" you manufacture at:(1) The cost of blank media; and

(1) The se l ng pri e, a i no lo s ol i c s f s r(2) The cost of labor to copy the elec- dam ge o curred;a c

tronic data from a duplicate of the(2) Less discounts and expenses youelectronic data, but only if the lost

otherwise would have had.electronic data is actually copied.i. Personal property in transit at:The restoration of "electronic data proc-

essing data and media" for which dupli- (1) (a) The amount of invoice; orcates do not exist is provided under the


(b) In the absence of an invoice, the n. Patterns, dies, molds, and forms not inleast of the following: current usage at actual cash value. If loss

is paid on an actual cash value basis, and(i) The value of the Coveredwithin 24 months from the date of the lossProperty;you need to repair or replace one or more

(ii) The cost of reasonably re- of them, we will pay you, subject to thestoring that property to its conditions of this insurance, the differ-condition immediately before ence between actual cash value and re-loss or damage; or placement cost for those patterns, molds

and dies which are actually repaired or(iii) The cost of replacing thatreplaced.property with substantially the

same property; o. Personal property valuation includes thepro-rated value of non-refundable andplusnon-transferable extended warranties,(2) The amount of any prepaid freightmaintenance contracts or service con-charges and other shipping costs ortracts that you purchased, on lost or dam-charges that are incurred while theaged personal property that you repair orproperty is in transit.replace. This applies only when the ex-

j. Glass at: tended warranty, maintenance contract orservice contract is voided due to the loss(1) The cost of replacement with safetyor damage to the personal property.glazing material if required by law;

p. If branded or labeled merchandise that isplusCovered Property is damaged by a Cov-(2) The amount of reasonable expensesered Cause of Loss and we take all orincurred to put up temporary plates orpart of the property at an agreed or ap-board up openings if repair or re-praised value, we will pay, subject to theplacement of the damaged glass isLimit of Insurance that applies to thedelayed.damaged property:

k. "Valuable papers and records" at the cost(1) The reasonable expenses you incurof:

to:(1) Blank material for reproducing the re-

(a) Stamp the word Salvage on thecords; andmerchandise or its containers, if

(2) Labor to transcribe or copy records the stamp will not physicallyfor which duplicates exist. damage the merchandise; or

The restoration of data on " aluable pa-v (b) Remove the brands or labels, ifpers and records" for which duplicates do doing so will not physically dam-not exist is provided under the Valuable age the merchandise. You mustPapers and Records Cost of Research re-label the merchandise or itsCoverage Extension. containers to comply with the law.

l. Works of arts, antiques or rare articles at (2) The reduction in the salvage value ofthe least of: the damaged merchandise with the

brand or label removed.(1) The price at which the property couldlikely be sold prior to loss or damage q. If you decide to repair or rebuild buildingsif offered for sale in a fair market on which have sustained loss or damage,the date the loss or damage oc- our payment will include any reasonablecurred; and necessary architectural, engineering,

consulting or supervisory fees incurred.(2) The cost of reasonably restoring thatThis will not increase the applicable Lim-property; orits of Insurance.(3) The cost of replacing that property

r. Pairs, sets or parts:with substantially the same property.(1) In case of loss to any part of a pair orm. Personal property at "exhibitions" at the

set we may at our option:lesser of replacement cost or the originalcost to you.


(a) Repair or replace any part to re- b. The action is brought within 2 years afterstore the pair or set to its value the date on which the direct physical lossbefore the loss; or or damage occurred.

(b) Pay the difference between the 5. Liberalizationvalue of the pair or set before and If we adopt any revision that would broadenafter the loss. the coverage under this Coverage Part with-

(2) In case of loss to any part of Covered out additional premium within 60 days prior toProperty consisting of several parts or during the policy period, the broadenedwhen complete, we will only pay for coverage will immediately apply to this Cov-the value of the lost or damaged part. erage Part.

H. ADDITIONAL CONDITIONS 6. Mortgageholders

a. The term mortgageholder includes trus-The following conditions apply in addition to theCommon Policy Conditions Deluxe: tee.

1. Concealment, Misrepresentation or Fraud b. We will pay for covered loss of or damageto buildings or structures to each mort-This Coverage Part is void in any case ofgageholder shown in the Declarations infraud by you as it relates to this Coveragetheir order of precedence, as interestsPart at any time. It is also void if you or anymay appear.other insured, at any time, intentionally con-

c. The mortgageholder has the right to re-ceal or misrepresent a material fact concern-ing: ceive loss payment even if the mortgage-

holder has started foreclosure or similara. This Coverage Part;action on the building or structure.

b. The Covered Property;d. If we deny your claim because of your

c. Your interest in the Covered Property; or acts or because you have failed to com-ply with the terms of this Coverage Part,d. A claim under this Coverage Part.the mortgageholder will still have the right2. Control of Propertyto receive loss payment if the mortgage-

The breach of any condition of this Coverage holder:Part as a result of act or neglect of any per-

(1) Pays any premium due under thisson other than you beyond your direction orCoverage Part at our request if youcontrol will not affect this insurance.have failed to do so;

The breach of any condition of this Coverage(2) Submits a signed, sworn proof of lossPart at any one or more locations will not af-

within 60 days after receiving noticefect coverage at any location where, at thefrom us of your failure to do so; andtime of loss or damage, the breach of condi-

(3) Has notified us of any change intion does not exist.ownership, occupancy or substantial3. Currencychange in risk known to the mort-

The amounts used within this Coverage Part gageholder.are in the currency of the United States of

All of the terms of this Coverage Part willAmerica and all premium and losses are pay-then apply directly to the mortgageholder.able in United States currency. In the event of

e. If we pay the mortgageholder for any lossa loss adjustment involving currency otheror damage and deny payment to you be-than United States currency, the conversioncause of your acts or because you haveinto United States currency will be at the pub-failed to comply with the terms of thislished rate of exchange as of the date of theCoverage Part:loss.

(1) The mortgageholder's rights under4. Legal Action Against Usthe mortgage will be transferred to usNo one may bring a legal action against usto the extent of the amount we pay;under this Coverage Part unless:and

a. There has been full compliance with all ofthe terms of this Coverage Part; and


(2) The mortgageholder's right to recover vice warranty agreement, even if it isthe full amount of the mortgage- characterized as insurance.holder's claim will not be impaired. 9. Policy Period, Coverage Territory

At our option, we may pay to the mort- Under this Coverage Part:gageholder the whole principal on the

a. We cover loss or damage commencing:mortgage plus any accrued interest. In(1) During the policy period shown in thethis event, your mortgage and note will be

transferred to us and you will pay your Declarations; andremaining mortgage debt to us. (2) Within the Coverage Territory.

f. If we cancel this policy, we will give writ- b. Except as otherwise specifically provided,ten notice to the mortgageholder at least: the Coverage Territory is:(1) 10 days before the effective date of (1) The United States of America (includ-

cancellation if we cancel for your non- ing its territories and possessions);payment of premium; or

(2) Puerto Rico; and(2) 60 days before the effective date of

(3) Canada.cancellation if we cancel for any otherreason. 10. Transfer of Rights of Recovery Against

Others to Usg. If we elect not to renew this policy, we willgive written notice to the mortgageholder If any person or organization to or for whomat least 60 days before the expiration we make payment under this Coverage Partdate of this policy. has rights to recover damages from another,

those rights are transferred to us to the extent7. No Benefit to Baileeof our payment. That person or organization

No person or organization, other than you, must do everything necessary to secure ourhaving custody of Covered Property will rights and must do nothing after loss to impairbenefit from this insurance. them. But you may waive your rights against

8. Other Insurance another party in writing:

a. You may have other insurance subject to a. Prior to a loss under this Coverage Part.the same plan, terms, conditions and pro- b. After a loss under this Coverage Part onlyvisions as the insurance under this Cov- if, at time of loss, that party is one of theerage Part. If you do, we will pay our following:share of the covered loss or damage. Our

(1) Someone insured by this insurance;share is the proportion that the applicableLimit of Insurance under this Coverage (2) A business firm:Part bears to the Limits of Insurance of all (a) Owned or controlled by you; orinsurance covering on the same basis.

(b) That owns or controls you; orb. If there is other insurance covering the

(3) Your tenant.same loss or damage, other than that de-scribed in Paragraph a. above, we will This will not restrict your insurance.pay only for the amount of covered loss 11. Unintentional Errors In Descriptionor damage in excess of the amount due

Your error in how you describe the address offrom that other insurance, whether youa location in the Location Schedule shall notcan collect on it or not. But we will not payprejudice coverage afforded by this policy,more than the applicable Limit of Insur-provided such error is not intentional. Anyance.such error shall be reported and correctedc. If loss or damage is also covered by a when discovered and appropriate premium

service agreement, any amounts payable charged.for such loss or damage under this Cov-

I. OPTIONAL COVERAGESerage Part will be excess over anyamounts payable under such agreement. If shown as applicable in the Declarations, theService agreement means a service plan, following Optional Coverages apply separately toproperty restoration plan, or similar ser- each item.


1. Actual Cash Value replaces the term Re- software which are used with elec-placement Cost where used in the Valuation tronically controlled equipment;Loss Conditions in Section G.6. of this Cov- (2) The electronic media on which theerage Form. data is stored; and

2. Inflation Guard (3) Programming records and instruc-a. The Limit of Insurance for property to tions used with "electronic data proc-

which this Optional Coverage applies will essing equipment".automatically increase by the annual per- b. "Electronic data processing data and me-centage shown in the Declarations. dia" does not mean:

b. The amount of increase will be: (1) Prepackaged software;(1) The Limit of Insurance that applied on (2) Property that you manufacture or

the most recent of the policy incep- hold for sale; ortion date, the policy anniversary date,

(3) Property that is licensed, leased, oror any other policy change amendingrented to others.the Limit of Insurance; times

2. "Electronic Data Processing Equipment"(2) The percentage of annual increasemeans the following:shown in the Declarations, expressed

as a decimal (example: 8% is .08); a. "Electronic data processing equipment"times means any of the following equipment

used in your data processing operations:(3) The number of days since the begin-(1) Electronic data processing equip-ning of the current policy year or the

effective date of the most recent pol- ment, facsimile machines, word proc-icy change amending the Limit of In- essors, multi-functional telephonesurance, divided by 365. equipment and laptop and portable

computers; andExample:(2) Any component parts or peripheralsIf:

of such equipment, including relatedThe applicable Limit of Insurance surge protection devices.is: $100,000

b. "Electronic data processing equipment"The annual percentage increase does not mean:is: 8%

(1) Property that is in the course ofThe number of days since the begin- manufacture, or held for sale or dis-ning of the policy year (or last policy tribution by you;change)

(2) Property that is leased or rented tois: 146others; or

The amount of the increase is:(3) Equipment that is used to control or$100,000 x .08 x 146/365 = $3,200

operate production-type machinery orJ. DEFINITIONS equipment.

1. "Electronic Data Processing Data and Me- 3. "Employee Tools" means tools and equip-dia" means the following: ment owned by your employees and used ina. "Electronic data processing data and me- your business operations.

dia" means: 4. "Exhibition" means the temporary display of(1) Data stored on, created or used on, personal property at a convention, exposition,

or transmitted to or from computer trade show or similar event at a location yousoftware (including systems and ap- do not own or regularly occupy.plications software) on electronic data 5. "Fine Arts" means paintings, etchings, pic-processing recording or storage me- tures, tapestries, art glass windows, valuabledia such as hard or floppy disks, rugs, statuary, marbles, bronzes, antique fur-CDs, DVDs, flash memory, tapes, niture, rare books, antique silver, manu-drives, cells, data processing devices scripts, porcelains, rare glass, bric-a-brac andor any other repositories of computer


b. The "interior of a building or structure", orsimilar property of rarity, historical value, orartistic merit. property inside a building or structure,

unless the roof or an exterior wall of the6. "Fungus" means any type or form of fungus,building or structure is first damaged by aincluding mold or mildew, and any mycotox-falling object.ins, spores, scents, or by-products produced

or released by fungi. When the Causes of Loss Earthquake en-dorsement, Causes of Loss Earthquake7. "Green" means products, materials, methodsSprinkler Leakage endorsement or Causes ofand processes that conserve natural re-Loss Broad Form Flood endorsement is in-sources, reduce energy or water consump-cluded in this Coverage Part, "specifiedtion, avoid toxic or other polluting emissionscauses of loss" also includes such cause ofor otherwise minimize the environmental im-loss, but only to the extent such cause of losspact.is insured against under this Coverage Part.

8. "Green Authority" means a recognized au-13. "Stock" means merchandise held in storagethority on "green" building or "green" prod-

or for sale, raw materials and in-process oructs, materials or processes.finished goods, including supplies used in

9. "Interior of a Building or Structure" means their packing or shipping.any portion of a building or structure that is

14. "Territorial Waters" means that portion ofwithin the exterior-facing surface material ofthe sea which is immediately adjacent to thethe building or structure.shores of any country and over which the

10. "Pollutants" means any solid, liquid, gase- sovereignty and exclusive jurisdiction of thatous or thermal irritant or contaminant, includ- country extends, but not exceeding 12 nauti-ing smoke, vapor, soot, fumes, acids, alkalis, cal miles from the mean low-water mark ofchemicals, waste and any unhealthful or haz- the shore of that country.ardous building materials (including but not

15. "Vacant" means the following:limited to asbestos and lead products or ma-a. When this policy is issued to a tenant, aterials containing lead). Waste includes mate-

rials to be recycled, reconditioned or re- building is "vacant" when it does not con-claimed. tain enough business personal property

to conduct customary operations. With11. "Sinkhole Collapse" means the suddenrespect to tenant's interest in Coveredsinking or collapse of land into undergroundProperty, building means the unit or suiteempty spaces created by the action of waterrented or leased to the tenant.on limestone or dolomite.

b. When this policy is issued to the owner orThis cause of loss does not include:general lessee of a building, a building is

(1) The cost of filling sinkholes; or " acant" unless at least 31% of its totalvsquare footage is:(2) Sinking or collapse of land into man made

underground cavities. (1) Rented to a lessee or sub-lessee andused by the lessee or sub-lessee to12. "Specified Causes of Loss" means the fol-conduct its customary operations;lowing: Fire; lightning; explosion; windstormand/oror hail; smoke (including the emission or puff

back of smoke, soot, fumes or vapors from a (2) Used by the building owner to con-boiler, furnace or related equipment); aircraft duct customary operations.or vehicles; riot or civil commotion; vandalism;

With respect to the owner or general les-leakage from fire extinguishing equipment;see's interest in Covered Property, build-"sinkhole collapse"; volcanic action; falling ob-ing means the entire building.jects as limited below; weight of snow, ice or

c. A building under construction or renova-sleet; "water damage", all only as otherwiseinsured against in this Coverage Part. tion is not considered "vacant".

16. "Valuable Papers and Records" means in-Falling objects does not include loss or dam-age to: scribed, printed or written documents, manu-

scripts or records, including abstracts, books,a. Personal property in the open; ordeeds, drawings, films, maps and mortgages.


But "Valuable papers and records" does not that is located on the described premisesmean: and contains water or steam; and

a. Accounts receivable; b. Accidental discharge or leakage of wateras the direct result of the breaking apartb. Money or securities; oror cracking of a water or sewer pipe that

c. "Electronic data processing data and me- is located off the described premises, ifdia" or any other data that exists on elec- the breakage or cracking is caused bytronic media. wear and tear. This provision serves as

17. "Water damage" means: an exception to the wear and tear exclu-sion under the Other Types of Lossesa. Accidental discharge or leakage of waterExclusion in Section (C.2.i.). But wateror steam as the direct result of the break-damage does not include loss or damageing apart or cracking of a plumbing, heat-otherwise excluded under the terms ofing, air conditioning or other system orthe Water Exclusion (C.1.l.).appliance (other than a sump system in-

cluding its related equipment and parts)


THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

DELUXE PROPERTY COVERAGE PART AMENDATORY ENDORSEMENT

WINDSTORM OR HAIL DEDUCTIBLES

This endorsement modifies insurance provided under the following:


The Windstorm or Hail Deductible, as shown in the separate Limit of Insurance applies onlyDeclarations and set forth in this endorsement, ap- to that item of insurance (for example,plies to cov red loss or damage caused directly or each building or personale property in aindirectly by Windstorm or Hail. This Deductible ap- building); orplies to each occurrence of Windstorm or Hail. b. The value of each item of insurance thatNothing in this endorsement implies or affords cover- has sustained loss or damage whenage for any loss or damage that is excluded under the blanket insurance applies to that item ofterms of the Water Exclusion (C.1.l.) in the Deluxe insurance, meaning a single Limit of In-Property Coverage Form or any other exclusion in this surance applies to two or more items ofpolicy. If this policy is endorsed to cover Flood under insurance (for example, a building andthe Causes of Loss Broad Form Flood Endorsement personal property in that building or two(or if you have a Flood Insurance Policy), a separate buildings). The value(s) to be used areFlood Deductible applies to loss or damage attribut- those shown in the most recent State-able to Flood, in accordance with the terms of that ment of Values on file with us. If there isendorsement or policy. no value on file with us for the item of in-A. Percentage Deductible surance, we will use the value of that item

of insurance at the time of loss.When a percentage (%) is shown as the applica-ble Deductible in the Declarations, the following For newly constructed or acquired property toapplies: which the Newly Constructed or Acquired1. This Deductible is calculated separately for Property Coverage Extension in the Deluxe

and applies separately to each of the follow- Property Coverage Form applies, we will de-ing items of insurance: duct an amount equal to a percentage of the

value of each item of insurance at the time ofa. Each building, if two or more buildingsloss. The applicable percentage used will besustain loss or damage;the highest percentage that applies at anyb. The building and to personal property inpremises location for which a percentage De-that building, if both sustain loss or dam-ductible is shown in the Declarations.age;

3. When the percentage Deductible shown inc. Personal property at each building, if per-the Declarations is subject to:sonal property at two or more buildings

sustain loss or damage; a. A minimum dollar amount in any one oc-currence; ord. Personal property in the open;

b. A minimum dollar amount in any one oc-e. Any other property insured under thiscurrence at each premises location;Coverage Part.

the percentage Deductible will be calculated2. In determining the amount, if any, that we willas described in A.1. and A.2. above, but thepay for loss or damage, we will deduct an

amount equal to 1%, 2%, 3%, 4%, 5% or 10% minimum amount we will deduct in any one(as shown in the Declarations) of : occurrence, or in any one occurrence at each

premises location (as indicated in the Decla-a. The Limit of Insurance applicable to eachrations), is the minimum dollar amount shownitem of insurance that has sustained lossin the Declarations.or damage when specific insurance ap-

plies to that item of insurance, meaning a


4. We will not pay for loss or damage in any one ductible that applies at any premises location foroccurrence until the amount of loss or dam- which a dollar Deductible is shown in the Declara-age exceeds the applicable Deductible. We tions.will then pay the amount of loss or damage in C. Hour Deductibleexcess of that Deductible, up to the applica-

When an hour Deductible is stated in the Declara-ble Limits of Insurance, after any reductiontions the following is applicable to your Businessrequired by any applicable coinsurance condi-Income Coverage:tion or any value reporting provision relating

to full reporting or failure to submit reports. We will not pay for loss of Business Income inany one occurrence that you incur during the pe-B. Dollar Deductibleriod of time that:

When:a. Begins at the time of direct physical loss or

1. A dollar amount in any one occurrence; or damage by Windstorm or Hail that triggersthe Business Income coverage; and2. A dollar amount in any one occurrence at

each premises location; b. Continues for the consecutive number ofis shown as the applicable Deductible in the Dec- hours shown in the Declarations as the appli-larations, we will not pay for loss or damage in cable Business Income hour Deductible.any one occurrence, or in any one occurrence at We will then pay the amount of loss in excess ofeach premises location (as indicated in the Decla- the Deductible, up to the Limit of Insurance, afterrations), until the total amount of loss or damage any reduction required by any applicable coinsur-exceeds the applicable Deductible shown in the ance condition.Declarations. We will then pay the amount of loss

The Deductible applicable to Business Incomeor damage in excess of that Deductible, up to thecoverage at locations to which the Newly Ac-applicable Limits of Insurance, after any reductionquired Locations Coverage Extension in the Busi-required by any applicable coinsurance conditionness Income (and Extra Expense) Coverageor any value reporting provision relating to full re-Form or Business Income (Without Extra Ex-porting or failure to submit reports. When no per-pense) Coverage Form applies, is the highestcentage deductible is shown in the Declarationshour deductible that applies at any premises loca-for Windstorm or Hail, the Deductible applicabletion for which an hour Deductible is shown in theto newly constructed or acquired property toDeclarations.which the Newly Constructed or Acquired Prop-

erty Coverage Extension in the Deluxe Property D. No deductible applies to Extra Expense.Coverage Form applies is the highest dollar De-


P-630-0696L335-TCT-15 07-30-15POLICY NUMBER: ISSUE DATE:



LOSS PAYABLE PROVISIONS


DELUXE PROPERTY COVERAGE FORM

Nothing in this endorsement increases the applicable ply with terms of this Coverage Part, theLimit of Insurance. We will not pay any Loss Payee Loss Payee will still have the right to re-more than their financial interest in the Covered Prop- ceive loss payment if the Loss Payee:erty, and we will not pay more than the applicable (1) Pays any premium due under thisLimit of Insurance on the Covered Property. Coverage Part at our request if youEach of the following Clauses, A, B, C and D, is have failed to do so:added to the Loss Payment Loss Condition as indi- (2) Submits a signed, sworn proof of losscated in the Schedule below. within 60 days after receiving noticeA. LOSS PAYABLE CLAUSE from us of your failure to do so; and

(3) Has notified us of any change inFor Covered Property in which both you and aLoss Payee shown in the Schedule below have ownership, occupancy or substantialan insurable interest, we will: change in risk known to the Loss

Payee.1. Adjust losses with you; andAll of the terms of this Coverage Part will2. Pay any claim for loss or damage jointly tothen apply directly to the Loss Payee.you and the Loss Payee, as interests may

d. If we pay the Loss Payee for any loss orappear.damage and deny payment to you be-B. LENDER'S LOSS PAYABLE CLAUSEcause of your acts or because you have

1. The Loss Payee shown in the Schedule be- failed to comply with the terms of thislow is a creditor, including a mortgageholder Coverage Part:or trustee, whose interest in Covered Prop-

(1) The Loss Payee's rights will be trans-erty is established by such written instru-ferred to us to the extent of thements as:amount we pay; and

a. Warehouse receipts:(2) The Loss Payee's rights to recover

b. A contract for deed: the full amount of the Loss Payee'sc. Bills of lading: claim will not be impaired.

At our option, we may pay to the Lossd. Financing statements; orPayee the whole principal on the debte. Mortgages, deeds of trust, or securityplus any accrued interest. In thisagreements.event, you will pay your remaining

2. For Covered Property in which both you and debt to us.a Loss Payee have an insurable interest:

At our option, we may pay to the Lossa. We will pay for covered loss or damage to Payee the whole principal on the debt

each Loss Payee in their order or prece- plus any accrued interest. In this event,dence, as interest may appear. you will pay your remaining debt to us.

b. The Loss Payee has the right to receive 3. If we cancel this policy, we will give writtenloss payment even if the Loss Payee has notice to the Loss Payee at least:started foreclosure or similar action on

a. 10 days before the effective date of can-the Covered Property.cellation if we cancel for your non-

c. If we deny your claim because of your payment of premium; oracts or because you have failed to com-


SEE DX T8 93 03 99

b. 30 days before the effective date of can- 3. The following is added to the Other Insurancecellation if we cancel for any other rea- Condition:son. For Covered Property that is the subject of a

4. If we elect not to renew this policy, we will contract of sale, the word "you" includes thegive written notice to the Loss Payee at least Loss Payee.10 days before the expiration date of this pol-

D. BUILDING OWNER LOSS PAYABLE CLAUSEicy.1. The Loss Payee shown in the Schedule be-C. CONTRACT OF SALE CLAUSE

low is the owner of the described building, in1. The Loss Payee shown in the Schedule be- which you are a tenant.

low is a person or organization you have en-2. We will adjust losses to the described buildingtered into a contract with for the sale of Cov-

with the Loss Payee. Any loss payment madeered Property.to the Loss Payee will satisfy your claims2. For Covered Property in which both you andagainst us for the owner's property.the Loss Payee have an insurable interest,

3. We will adjust losses to tenants' improve-we will:ments and betterments with you, unless thea. Adjust losses with you; andlease provides otherwise.

b. Pay any claim for loss or damage jointlyto you and the Loss Payee, as interestmay appear.

SCHEDULE

Premises Location Number: Building Number: Applicable Clause(Indicate A, B, C or D):

Description of Property:

Loss Payee Name:

Loss Payee Address:

Page 2of 2 © 2011 The Travelers Indemnity Company. All rights reserved. DX T3 79 11 12Includes copyrighted material of Insurance Services Office, Inc. with its permission.

P-630-0696L335-TCT-15 07-30-15

CIT COMMUNICTIONSFIN CORP

C/O ABIC-SPECIALTY SVS 5TH FLRP.O. BOX BOX 979220

FLMIAMI 33197

Loss Payable1 OFFICE EQUIPMENT1

COMMERCIAL PROPERTYPOLICY NUMBER: ISSUE DATE:

LOSS PAYABLE PROVISIONS SCHEDULE

Loss Payee (Name & Address)

Prem. Bldg. ProvisionsNo. No. Description of Property Applicable

DX T8 93 03 99

DEL XE P OP RTYU R E

T IS ENDORSEMENT CHANGES T E POLICY. PL ASE READ IT CAREFULLY.H H E

FEDERA TERRORISM RISKLINSURANCE ACT DISCLOSURE

Thi e dorseme t m d fie i surance prov ded under he f l o ing:s n n o i s n i t o l w

DEL XE P OP RTY COVERA E P RTU R E G A

The fe eral Terro ism Risk Insurance Act o 2002 a 82% wi hd r f s t re pect to such Insured Lo se occur ing ins s s ram nded ("TRIA ) establi he a program under whi h calen ar year 2018.e " s s c dthe Federal Gov r men may partial y reim urse "Ine n t l b - 81% wi h re pect to such Insured Lo se o curring it s s s c nsure Lo se " (a de ined in TRIA ca sed by "Actd s s s f ) u s calen ar year 2019.dOf Te ro i m (a de ined in TRIA). "Act Of Ter ori mr r s " s f r s "

80% wi h re pect to such Insured Lo se o curring it s s s c ni de i ed i Sectio 102(1) o TRIA to me n any a ts f n n n f a ccalen ar year 2020.dthat i cer i ie by the Secretary o the Trea ury ins t f d f s

consulta ion wit the Se re ary o Home and Se urityt h c t f l c In no ev nt, howev r, wi l the Fede al Gov rnme t bee e l r e nand the Attorney General o the Uni ed State to bef t s re ui ed to pay any portio o the am unt of such In-q r n f oan act o te rori m to be a v o en act or an a t that isf r s ; i l t c sure Lo se o curring in a ca e dar yea that in thed s s c l n rdangerou to huma l fe p operty o i fra tructu e; to aggregate ex eeds n i , r , r n s r c s $100 bil io , nor wil any Insurel n l rhav re ul ed in dam ge within the United State , oe s t a s r be requi ed to pay any port o o such am unt prov d-r i n f o iou side the Uni ed State in the ca e o ce tain ait t s s f r r ed that such Insurer ha met i s Insurer Dedu tibles t c .

There o e, if such Insured Lo se o currin in a calf r s s c g -carriers or vessels or the premises of a United StatesM ssion and to hav been com i ted by an indiv d ali ; e m t i u enda year ex ee $100 bill on in the agg egate, ther c d i ror i div dual a part o an ef o t to coer e the civ l ann i s s f f r c i i am unt o any payme ts by the Federal Gov rnmeno f n e tpopula ion o the Uni ed State or to infl ence thet f t s u and any cov rage prov ded by thi poli y fo lo see i s c r s spo i y o a f ct the co duct o the United Sta es Govl c r f e n f t - caused y ct O e rori m ay e reduced.b A s f T r s m bernm n by oer ion.e t c c The charge fo such Insured Lo se unde thi Covr s s r s -The Fede al Gov rnme t s sha e of compensa ion for e n ' r t r erage Part i in luded in the Cov rage Pa t prem ums c e r i .such Insured Lo se is e tabli hed by TRIA an is as s s s d The charge fo such Insured Lo se that ha beer s s s npe centage o the am unt o such Insured Lo se inr f o f s s i clu ed fo thi Cov rage Part is indi a ed below,n d r s e c tex e s o each Insurer' "Insure Deductible (a de-c s f s r " s and doe no include any cha ge fo the po tio os t r r r n ffi e in TRIA , subject to the "Program Trigger" (an d ) s such In ured Losse cov red by the Federal Govs s e -de i ed in TRIA . Through 2020, that pe centage i ernm n under TRI :f n ) r s e t Ae tabl shed by TRI a fo low :s i A s l s

7% o yo r total Delux Property Cov rage Partf u e e85% wi h respect to such Insured Lo se o curring int s s c prem um i yo r prim ry lo ation is in a De igna -i f u a c s tcalen ar year 2015.d ed City (a l sted below).s i84% wi h re pect to such Insured Lo se o curring it s s s c n 3% o yo r total Delux Property Cov rage Partf u e ecalen ar year 2016.d prem um if yo r prim ry lo atio is not in a De -i u a c n s83% wi h re pect to such Insured Lo se o curring it s s s c n i nated Ci y (as li ted be ow).g t s lcalen ar year 2017.d

D T 2 01 15X 4 0 © 2015 The T avelers Indemnit Company. All righr y ts reserved. Pa e 1 of 2gIncludes copyrighted material of Insurance Services Off ce, Inc. with its permis ion.i s

DEL XE P OP RTYU R E

Des gnat d ities are:i e C

Al uque que NM El Pa o, TX Mia i FL Sa Diego, CAb r , s m , nAt an a, G Fo t o t , X Milwaukee, I Sa Antonio Xl t A r W r h T W n , TAu tin X Fre no, A Min eapoli , MN Sa F anci co CAs , T s C n s n r s ,Ba timo e, M Ho olulu I Nashv lle Dav d o , N Sa Jo e, Al r D n , H i - i s n T n s CBo ton, MA Ho ston TX New O lea s, LA Seat le, WAs u , r n tCha lo te, NC In ianapol s, IN New York, NY St. Loui , MOr t d i sChi ago, IL Ja kso v l e F Oaklan , CA Tucson, Zc c n i l , L d AClev land, H Ka sa Ci y, M Okla om ity, OK Tulsa Ke O n s t O h a C , O

Co o ado p i gs, O La Vegas, V Oma a, E Vi ginia Bea h, VAl r S r n C s N h N r cCo u bu , OH Lon Bea h, CA Philadel hia A Wa hi g on, DCl m s g c p , P s n tDa la , X Lo Angele , A Phoenix AZ Wi hi a Sl s T s s C , c t , KDe v r, CO Mem hi , N Po tlan , On e p s T r d RDe roi , I Me a, AZ Sa rame to, CAt t M s c n

Pa e 2 of 2g © 2015 The Travelers Indemnity Company. All rights reserved. DX T 02 01 154Includes copyrighted material of Insurance Services Off ce, Inc. with its permis ion.i s


RHODE ISLAND CHANGES



explosion, other than owner-occupied 1- to 4-A. The last sentence of the LOSS CONDITIONSAppraisal does not apply. family dwellings:

B. The following is added to the LOSS CONDI- 1. We will not pay for a loss that is more thanTIONS Appraisal: $10,000 unless we receive from you a certifi-

cate issued by the taxing jurisdiction official1. You and we must notify the other of the ap-that shows:praiser selection within 20 days of the writtena. That no lien exists for the benefit of thedemand for appraisal.

taxing jurisdiction; or2. If the appraisers do not agree on the selectionb. The amount of any such lien that exists;of an umpire within 15 days, they must re-

quest selection of an umpire by a judge of a against the building or structure.court having jurisdiction. The $10,000 limit shown above may be ad-

C. The following is added to Section D. Limitations justed yearly for inflation by the Insuranceof the Deluxe Property Coverage Form Department..

If the building where loss occurs has been vacant 2. Under the following conditions, we will put ouror unoccupied for more than 30 consecutive days payment for loss or damage into an interest-after a local building inspector issues an order bearing escrow account:stating that the building is in violation of the State a. The taxing jurisdiction official certifies aBuilding Code, we will not pay for any loss or lien exists. We will not put more than thedamage caused by: amount of that lien into the account.1. Fire; or b. You do not receive a certificate from the2. Lightning taxing jurisdiction official within 30 days

after you file a statement of loss with us.A building is vacant when it does not containIn this case, we will put the entire lossenough business personal property to conductpayment into the account.customary operations. A building under construc-

3. But, if you can prove to us that:tion is not considered vacant.

a. You have requested the certificate by cer-Unoccupied means containing personal propertyusual to the occupancy of the building while cus- tified mail; andtomary activ ty and operations are suspended.i b. The taxing jurisdiction official has not pro-This does not apply to such suspensions when vided it to you within 15 days after yourthey are usual and incidental to the occupancy. request;

D. The following is added: we will make our payment directly to you asNo provision, stipulation or forfeiture will be held soon as possible.to be waived by any requirement or proceeding 4. Also, if the taxing authority certifies that it hason our part relating to appraisal or any examina- received proof that you will repair or rebuildtion provided for in this policy. on the same premises where the loss or

E. The following is added when this Coverage Part damage occurred, we can then pay you di-applies to loss or damage to Buildings by fire or rectly for the loss or damage.

DX 03 12 11 12 © 2011 The Travelers Indemnity Company. All rights reserved. Page 1 of 1Includes copyrighted material of Insurance Services Office, Inc. with its permission.

P-630-0696L335-TCT-15 07-30-15POLICY NUMBER: ISSUE DATE:



ELECTRONIC VANDALISM LIMITATION ENDORSEMENT



When included in this policy, this endorsement also modifies insurance provided under the COMMERCIALINLAND MARINE COVERAGE PART.

SCHEDULE

Electronic Vandalism Limit of Insurance,$ 10,000 unless a higher limit is shown: $aggregate in any 12-month period of this policy:

This endorsement limits the insurance provided under The DEDUCTIBLE provisions of this policy co -nthis policy for direct physical loss or damage caused tinue to apply. But in no event will the total of allby or resulting from "electronic vandalism" and for applicable deductible amounts applied in any oneloss that is a consequence of such direct physical occurrence of "electronic vandalism" be less thanloss or damage. $1,000.

A. LIMITATION ELECTRONIC VANDALISM C. ELECTRONIC VANDALISM DEFINED

The following LIMITATION is added: "Electronic Vandalism", as used in this en-dorsement means:The most we will pay for all loss or damage

caused directly or indirectly by or resulting from 1. Willful or malicious destruction of computer"electronic vandalism" in any one policy year, programs, content, instructions or other elec-commencing with the inception date of this e -n tronic or digital data stored within computerdorsement, is the Electronic Vandalism Limit of systems.Insurance shown in the Schedule of this e -n 2. Unauthorized computer code or programmingdorsement. This limit: that:1. Applies regardless of the number of loc -a a. Deletes, distorts, corrupts or manipulates

tions, items or types of property or coverages computer programs, content, instructionsor Coverage Forms involved; and or other electronic or digital data, or ot -h

2. Is part of, and does not increase the Limits of erwise results in damage to computersInsurance provided under this policy. or computer systems or networks to

which it is introduced;But if "electronic vandalism" results in a "speci-fied cause of loss", other than vandalism, this b. Replicates itself, impairing the perform-limitation will not apply to the resulting loss or ance of computers or computer systemsdamage caused by that "specified cause of loss". or networks; or

B. ELECTRONIC VANDALISM MINIMUM DE- c. Gains remote control access to data andDUCTIBLE programming within computers or com-

puter systems or networks to which it isThe following deductible provision is added andintroduced, for uses other than those i -napplies to all coverages, including Extra Ex-tended for authorized users of the com-pense:puters or computer systems or networks.

DX T3 98 04 02 Page 1 of 1

GENERAL LIABILITY

P-630-0696L335-TCT-1507-30-15

THE TRAVELERSINDEMNITY COMPANYOF CONNECTICUT

08-01-15 08-01-16

2,000,000

2,000,000

1,000,000

1,000,000

100,000

5,000

ANNUAL

CORPORATION


COMMERCIAL GENERAL LIABILITY POLICY NO.:COVERAGE PART DECLARATIONS ISSUE DATE:

INSURING COMPANY:

DECLARATIONS PERIOD: From to 12:01 A.M. Standard Time at your mailingaddress shown in the Common Policy Declarations.

The Commercial General Liability Coverage Part consists of these Declarations and the Coverage Form shownbelow.

1. COVERAGE AND LIMITS OF INSURANCE:

COMMERCIAL GENERAL LIABILITY COVERAGE FORM LIMITS OF INSURANCE

General Aggregate Limit $(Other than Products-Completed Operations)

Products-Completed Operations Aggregate Limit $

Personal & Advertising Injury Limit $

Each Occurrence Limit $

Damage To Premises Rented To You Limit (any one premises) $

Medical Expense Limit (any one person) $

2. AUDIT PERIOD:

3. FORM OF BUSINESS:

4. NUMBERS OF FORMS, SCHEDULES AND ENDORSEMENTS FORMING PART OF THIS COVERAGEPART ARE ATTACHED AS A SEPARATE LISTING.

COMMERCIAL GENERAL LIABILITY COVERAGEIS SUBJECT TO A GENERAL AGGREGATE LIMIT

CG T0 01 11 03 Page 1 of 1

PRODUCER: OFFICE:

P-630-0696L335-TCT-15

08-01-15 08-01-16

MINIMUM PREMIUMS

PREM/OPS $370LOB $250

1/ 1 ELECTRIC LIGHT OR POWERCOMPANIESPRODUCTS-COMPLETEDOPERATIONSARE SUBJECT TO THE GENERALAGGREGATELIMIT.

001 92445 PREM/OPS P 428,208 75.544 32,349

1/ 1 ADDITIONAL INTEREST-OWNERS, LESSEES OR CONTRACTORS

002 49950 PREM/OPS 413,453 .100% 3,123

2/ 7 VACANT LAND - OTHERTHAN NOT-FOR-PROFITPRODUCTS-COMPLETEDOPERATIONSARE SUBJECT TO THE GENERALAGGREGATELIMIT.

003 49451 PREM/OPS T 1 31.990 32EACH ACRE

COVERAGEPART TOTAL 35,504

1 (END)

DECLARATIONS PREMIUM SCHEDULE POLICY NUMBER:

This Schedule applies to the Declarations for the period of to

It shows all of your known rating classes as of the effective date. Any exceptions will be so noted. This includesall locations you own, rent or occupy.

LOC/ CLASS PREMIUMOPN ADVANCEBLDG DESCRIPT/ BASE/

SUBLINE RATESNO. PREMIUMNO. CODE NO. EXPOSURE

*This class is subject to the prem/ops transition program.

If an "X" is entered in this box, these Declarations are completed on the Premium Schedule Extension CG T0 12.

CG T0 07 09 87 PAGE

KEY TO DECLARATIONS PREMIUM SCHEDULE

ABBREVIATIONS:

CLASS DESCRIPT means CLASS DESCRIPTION

LOC/BLDG NO. means LOCATION/BUILDING NUMBER

OPN NO. means OPERATION NUMBER

PREM/OPS means PREMISES/OPERATIONS

PROD/C-OPS means PRODUCTS/COMPLETED OPERATIONS

PREMIUM BASE:

Key Letter Premium Base How Rates Apply

a Area per 1,000 square feet

c Total Cost per $1,000 of total cost

m Admissions per 1,000 admissions

o Total Operating Expense per $1,000 of total operating expenditures

p Payroll per $1,000 of payroll

s Gross Sales per $1,000 of gross sales

t (see note* below) (see note* below)

u Units per unit

* Premium base t applies for a number o rarely used premium bases.fThe specific base and how rates apply are shown with the Class D scriptioneon the DECLARATIONS-PREMIUM SCHEDULE.

CG T0 08 11 03 Copyright, The Travelers Indemnity Company, 2003 Page 1 of 1

TABLE F C TEN SO ON T

COMMERCIAL GENERAL LIABILITYCOVERAGE FORM

CG 00 01 10 01

SECTI I C GESON OVERABeginning on Page

Co A -verageBod Insuring Agreement ..............................................................1i Injuryly and PropertyDa iabi itymage L l

Ex ...........................................................................2clusions

Co B -veragePerson Insuring Agreement ..............................................................5al and Ad er isingv tInjury i tyLiab li

Ex ...........................................................................5clusions

Co -verage CMedica Insuring Agreement ..............................................................7l Pay tsmen

Ex ...........................................................................7clusions

Supple m ..................................................................................................... 7mentary Pay ents

SECTI II W O I INSURED ..........................................................................................8ON H S AN

SECTI II LIM S INSURANCE ...................................................................................10ON I IT OF

SECTI IV C ERCIAL LIAB TY C ION .........................................10ON OMM GENERAL ILI ONDIT S

Bankruptcy ........................................................................................................................10Duties in v o Occurrence lai or t ................................................................10the E ent f , C m SuiLegal Act inst Us .....................................................................................................11ion AgaOther lnsurance .................................................................................................................11Prem m t ...................................................................................................................12iu AudiRepresentations ................................................................................................................12Separation o Insured ......................................................................................................12f sTransfer o R f Reco ery Others To Us .........................................................12f ights o v AgainstW W Do Not Renew ...................................................................................................12hen e

SECTI DEF TI ....................................................................................................12ON V INI ONS

CG T0 4 11 033

COMMERC GENERAL L ITYIAL IABIL

COMMERCIAL GENERAL LIABILITY COVERAGE FORM

Various prov in this policy restric co The "bodi injury or "property damage"isions t verage. ly "(1)Read the entire policy care lly to deter r is caused by an "occurrence" that takesfu mine ights,duties and what is and is not co ered. place "co erage terr ";v in the v itory

Throughout this policy the words "you" and "your" The "bodi injury or "property damage"(2) ly "occurs during the pol period;icy andrefer the Na wn in the Declaratto med Insured sho ions,

and any other person or organization qual fy as ai ing (3) Prior to the poli period, no insuredcyNamed Insured under this pol . The words "we",icy listed under Paragraph of Section1. II"us" and "our" refer to the co pro iding thmpany v is W Is An Insured and no "employee"hoinsurance. authorized by you to gi or recei e no-ve vThe word "insured" means any person or organization tice o an "occurrence" or c i knewf la m,quali ying as such under Sect W Is An that the "bodil in or "property daf ion ho y jury" m-IIInsured. age" had occurred, in whole or in part. If

such a listed insured or authorized "em-Other words and phrases that appear in quotationployee" knew, prior to the pol period,icymarks ha specia meaning. Re r to Secve l fe tion Vthat the "bodil in or "property day jury" m-Def tini ions.age" occurred, then any continuation,

SEC ON CTI I OVERAGES change or resumpt o such "bodily in-ion fCOVERAGE A BODILY INJURY AND PROPERTY jury" or "property da during or aftermage"DAMAGE LIABILI YT the policy per will be deemed to haiod ve

been known prior to ic .the pol y period1. Insur g Agreementinc. "Bodi injury" or "property da whichly mage"a. W wil pay those sums that the insured be-e l

occurs during the pol per and was not,icy iodcomes legal obl to pay as damagesly igatedprior to the po y period, known to have oc-licbecause of "bod in or "property daily jury" m-curred by any insured listed under Paragraphage" to which this insurance applies. We will1. IIof Sec ion W Is An Insured or anyt hoha the right and duty to defend the insuredve"emp authorized by you to gi or re-loyee" veagainst any "suit" seeking those damages.cei e not o an "occurrence" or c i in-v ice f la m,Howe we will ha no dut to de thever, ve y fendcludes any continuat change or resump-ion,insured against any "suit" seeking damagestion o that "bod y in or "propertyf il jury"for "bod in or "property damage" toily jury"damage" a ter f icyf the end o the pol period.which this insurance does not apply. eW may,

at our discretion, in estigate any "occurrence" "Bodi in or "property da wil bev ly jury" mage" ld.and settle any clai or "suit that may result. deemed to ha been known to ha oc-m " ve veBut: curred at the earliest ti when any insuredme

listed under Paragraph o Sect Who1. If ion I(1) The amount we will pay for da ismagesIs An Insured or any "e authorimployee" zedli i as described in Section L mm ted i itsIIIby you to g v or rece v not o an "occur-i e i e ice fO Insurance; andfrence" or c mlai :

(2) Our r and dut to de ends whenight y fend(1) Reports all, or any par o the "bodi in-t, f lywe have used up the applicable li i om t f

jury" or "property da to us or anymage"insurance in the payment o judg orf mentsother insurer;settle under Co or orments verages A B

med e der Co .ical xpenses un verage C (2) Recei a writ or v demand orves ten erbalclai for da because of the "bodi ym mages lNo other obligation or l l y to pay sums oriabi itinjury "property da or" or mage";perfor ac or serv is covered unlessm ts ices

exp i y pro ided for under Supple Becomes aware by any other means thatlic tl v mentary (3)Pay Co and .ments verages A B "bodily in or "property da hasjury" mage"

occurred or has begun to occur.b. This insurance applies to "bodily in andjury""property da image" only f:

CG 00 01 10 01 IS Propert 2000 Page 1 oO ies Inc., f 16


e. (3)Damages because of "bodi in inc Any statute, ordinance or regulat re t-ly jury" lude ion ladamages clai by any person or organiza- ing to the sale, gi , distribut or use ofmed ft ion

alcohol v rages.ic be etion for care, loss of ser ices or death result-ving at i f m ily injuryany t me ro the "bod ". This e lusion applies only i you are in thexc f

2. Exclusions business of manu ing, distr ing, sell-factur ibuting, ser ing or furn lic vv ishing alcoho be erages.This insurance does not apply to:

d. Workers' Compensati And lar Laon Simi wsa. Expected nten I uryOr I ded njAny obligat f the insured under a workers'ion o"Bodi in or "property damage" expecly jury" tedcompensation, disabi ty benef ts or unem-li ior intended fro the standpoint o the in-m fploy co law or any si larment mpensation misured. This exclusion does not apply to "bod-law.il " result ro the use o reasonabley injury ing f m f

for tect s or property.ce to pro person e. Empl bioyer's Lia lity

b. Contractua Liab ityl il "Bodi injur to:ly y"

"Bodi in or "property da for which An "emp o the insured arising outly jury" mage" loyee" f(1)of the course oand in f:the insured is obliga to pay da byted mages

reason of the assumpt on o l l y in a con-i f iabi it (a) E ment themploy by insured; ortract or agree Th exc does notment. is lusion

(b) Per m dut related to the con-for ing iesapply to iabi ity for mages:l l daduct o the s business; orf insured'

(1) That the insured would ha in the ab-ve(2) The spouse, child, parent brother or sis-,sence of the or agree orcontract ment;

ter o that "e loyee" as a consequencef mp(2) Assumed in a contract or agree thatment of abo e.Paragraph v(1)

is an "insured contract", pro ided thevThis e lusion applies:xc"bodily injury" or "propert da oc-y mage"

curs subsequent to the execution of the W ther the insured may be liab as an(1) he leemp in any ityloyer or other capac ; andcontract or agree So y for the pur-ment. lel

poses of l l y assumed in an "insurediabi it (2) To any obl to share damages withigationcontract", reasonable attorney fees and or repay someone else who must paynecessary lit ion e incurred byigat xpenses damages because of the y.injuror for a party other than an insured are

This e lusion does not apply to liab i as-xc il tydeemed to be damages because of "bod-sumed by the insured under an "insured con-il injur "property da pro ided:y y" or mage", vtract".

(a) Liabi ty to such party for, or for thelif. Pol iolut ncost of that party defense has also, 's

been assumed in the same " "Bodi in or "propert da aris-insured ly jury" y mage"(1)contract"; and ing out o the actual al or threat-f , leged

ened discharge, dispersal, seepage, mi-(b) Such attorney fees and li ion etigat x-gration, "pol tants":release or escape of lupenses are for defense of that party

against a ci i or a i e d At or fro any prem site or loca-v l lternat v ispute m ises,(a)resolution proceeding in which da tion which is or was at any timem-ages to which this insurance applies owned or occupied by, or rented orare alleged. loaned to, any insured. However, this

subparagraph does not apply to:c. Li or L iliqu iab ty(i) "Bodi injury i sustained withinly " f"Bodi in or "property da for whichly jury" mage"

a build and caused by smoke,ingany insured may l by reason ofbe held iable :fu v or soot fro equip-mes, apor m

(1) Causing or contributing to the into catxi ion ment bui ing;used to heat that ldof any person;

(ii) "Bodi in or "property dam-ly jury"(2) The f al ic befurnishing o cohol verages to a age" for which you may be held

person under the legal drink age oring liab i you are a contrac andle, f torunder the in luence o alcoho orf f l; the owner or lessee of such

Page 2 o IS Propert 2000f 16 O ies Inc., CG 00 01 10 01


prem site or loca has "bodily injury" or "propert daises, tion y m-been added to your policy as an age" arises out of the intentionaladditiona insured with respect to discharge, dispersal or release oflyour ongoing operations per- the fue lubri or other op-ls, cantsfor ed for that addit insured erating f or i such fue lu-m ional luids, f ls,at that pre ises, site or loca bricants or other operating f idsm tion luand such premises, site or loca- are brought on or to the prem-tion is not and never was owned ises, site or locat with the in-ionor occupied by, or rented or tent that they be discharged, dis-loaned to, any insured, other than persed or released as part of thethat addi l nsured; ortiona i operations being perfor bymed

such insured, contractor or sub-(iii) "Bodi in or "property dam-ly jury"contractor;age" arising out of heat, smoke or

fu f m a fmes ro "hostile ire"; (ii) "Bodi in or "property dam-ly jury"age" sustained within a building(b) At or fro any prem site or loca-m ises,and caused by the release oftion which is or was at any ti usedmegases, fu or vapors fro ma-mes mby or for any insured or others for theteria that bui dls brought into l ing inhandling, storage, disposal, process-connection with operations beinging or ment f waste;treat operfor by you or on your be-med

(c) W ich are or were at any time trans-h hal by a cont or subcon-f ractorported, handled, stored, treated, dis- tractor; orposed of, or processed as waste by

(iii) "Bodi in or "property dam-ly jury"or for:age" arising out of heat, smoke or

(i) Any insured; or fu f m a fmes ro "hostile ire".(ii) Any person or organization for (e) At or fro any prem site or loca-m ises,

whom you may be legally re- tion on which any insured or any con-sponsible; or tractors or subcontractors working di-

(d) At or fro any prem site or loca- rectly or indirec on any insured'sm ises, tlytion on which any insured or any con- behalf are per m operat ifor ing ions ftractors or subcontractors working di- the operations are to test for, tor,monirectly or indirec on any insured's clean up, re v conta treat, de-tly mo e, in,behalf are per m operat i tox f or neutra ze, or in any way re-for ing ions f i y lithe "pol are brought on or to spond to, or assess the ef ts of,lutants" fec

"pollu ants".tthe prem site or locat in con-ises, ionnection with such operations by such (2) Any loss, cost or e arising out oxpense finsured, contractor or subcontractor. any:Howe th subparagraph does notver, is

(a) Request, demand, order or statutoryapply to:or regulatory require that any in-ment

(i) "Bodi in or "property dam-ly jury" sured or others test for, monitor,age" arising out of the escape of clean up, re v conta treat, de-mo e, in,fue lubricants or other operat-ls, tox f or neutra ze, or in any way re-i y liing flu which are needed toids spond to, or assess the ef ts of,fecperfor the norma electr l, hy-m l ica "pollu ants"; ortdraulic or m l funcechanica tions

(b) Clai or "suit by or on behal o am " f fnecessary for the operat oion fgo menta authorit for damagesvern l y" le equip or its parts, imobi ment" fbecause of testing for monitor, ing,such fuels, lubricants or othercleaning up, re v containmo ing, ing,operating flu escape from aidstreating, deto i ing or neutra iz orx fy l ing,v icle part designed to hold,ehin any way responding to, or assess-store or recei the Th ex-ve m. ising the e f f lf ects o , "po lutants".ception does not apply i thef



Howe th paragraph does not apply The use of " obi equip " in, orver, is m le ment(2)to l l f da because of "prop- while in pract for or while be pre-iabi ity or mages ice , ingerty da that the insured would have pared for any prearranged rac speed,mage" , ing,

demo tion ing act v tli , or stunt i i y.in the absence of such request, demand,order or statutory or regulator require-y i. Warment or such clai or "suit" by or on be-, m

"Bodi in or "property da due toly jury" mage"hal f v menta ityf o a go ern l author .war, whether or not declared, or any act or

g. Aircraft, Auto Or Watercraft condit inc to war. Wa inc ci iion ident r ludes v l"Bodi injury or "propert da ar war, insurrection, rebe ion or re olu Thly " y mage" ising ll v tion. isout o intenance, use or en- exc appl only to liab i assumedf the ownership, ma lusion ies il ty

under a contract or t.agreementrustment to others of any aircra , "auto" orftwatercraft owned or operated by or rented or j. Damage ProTo pertyloaned to any insured. Use includes operation

"Property da to:mage"and "loading or ding"unloa .(1) Property you own, rent, or occupy, includ-This e lusion applies e en i the c ixc v f la ms

ing any costs or expenses incurred byagainst any insured allege negligence oryou, or any other person, organization orother wrongdoing in the superv hirision, ing,entity for repair, rep ment, enhance-, laceemp ment train or mon ing of othersloy , ing itorment restoration or ma o such, intenance fby that insured, i the "occur whichf rence"property for any reason, includ ven-ing precaused the "bodily in or "property dajury" m-tion o injury to a person or damage tofage" in ol the ownership, maintenance,v vedanother's property;use or entrustment to others of any a fircra t,

"auto" or watercraft that is owned or operated Prem sell, gi andon,(2) ises you ve away or abby or rented or insured.loaned to any i "property da arises out of anyf the mage"

part o those premf ises;This e lusion does not apply toxc :(3) Property loaned to you;(1) A watercraft while ashore on premises

you own or rent; (4) Personal property in the care, custody orcontrol o thef insured;(2) A watercraf not own thatt you do is:

(5) That part ar par o real property onicul t f(a) Less than 26 feet long; andwhich you or any contractors or subcon-

(b) Not being used to carry persons or tractors working directly or indirec ly ontproperty charge;for a your behal are per r ing operations, if fo m f

(3) Parking an "auto" on, or on the ways next the "property da arises out of thosemage"operations; orto, prem you own or rent, provises ided

the "auto" is not owned by or rented or (6) That part lar part o any property thaticu floaned to you or insured;the must be restored, repai or repred laced

(4) Liabi ty assumed under any "insured con- because "your work" was incorrectly per-lifor ed onm it.tract" f the ownership, ma oror intenance

use of a f rcra t; orircra t or wate f Paragraphs , and of th exc(1) (3) (4) is lusion(5) "Bodi in or "propert da aris- do not apply to "property damage" (other thanly jury" y mage"

ing out o the operat o any o the damage by fire) to prem includ thef ion f f ises, ingequipment l ed in Paragraph or contents of such prem ented to you for aist ises, rf.(2)f.(3) o the de ini ion of " le equip- period of 7 or f consecuti days. Af f t mobi ewer vement". separate lim t oi f insurance applies to Damage

To Pre ises Rented To You as described inmh. Mob Eq pmentile uiSection L m O Insurance.III i its f

"Bodi injury or "propert da arly " y mage" isingParagraph of is exc(2) th lusion does not applyout of:i the prem are "your work" and weref ises

(1) The transportation of " le equipmobi ment" ne occupied, rented or held for renta byver lby an "auto" owned or operated by or you.rented or loaned to insured; orany



o. Personal And g juryAdvertisin InParagraphs , , and o th exc u-(3) (4) (5) (6) f is lsion do not apply to l l assumed under aiabi ity "Bodi in arising out of "personal andly jury"sidetrack agreement. ad ising ".vert injuryParagraph of is exc(6) th lusion does not apply Ex through do not apply to damageclusions c. n.to "property da inc ded in the "prod-mage" lu by f to pre ises while rented to you or tempo-ire mucts-comp atleted oper ions hazard". rari occup by you with per ission of thely ied m

k. Damage Y ProTo our duct owner. A separate li i o insurance applies tom t fthis co erage as described in Sect L mv ion i itsIII"Property da to " product" armage" your isingO Insurance.fout o it t o if or any par f t.

COVERAGE B PERS AND ADVERTISONAL INGl. Damage Y orkTo our WINJURY L TIABILI Y

"Property da to "your work" arising outmage"1. Insur g Agreementinof i or any part o i and inc ded in thet f t lu

"products-comple ations hazard".ted oper a. W wil pay those sums that the insured be-e lcomes legal obl to pay as damagesly igatedThis e does not apply i the daxclusion f magedbecause of "personal and adver intising jury"work or the work out of which the damageto which this insurance applies. We wil hal vearises was perfor on your behal by amed fthe right and duty to defend the insuredsubcontractor.against any "suit" seeking those damages.

m. Damage T Im Pro Or Proo paired perty perty Howe we will ha no dut to de thever, ve y fendNot P I jhysically n ured insured against any "suit" seeking damages"Property damage" to "i ired property" or for "personal and ad rt injury" to whichmpa ve isingproperty that has not been physically injured, this insurance does not apply. mWe ay, at ourarising out o :f discretion, in est any of and settlev igate fense

any cla m or that may But:i "suit" result.(1) A defec de ic inadequacy or dan-t, f iency,gerous condition in "your product" or The amount we will pay for da is(1) mages"your work"; or li i as described in Section L mm ted i itsIII

O Insurance; andf(2) A delay or fai anyone actinglure by you oron your behalf to per m a con or Our r and dut to de end whenfor tract ight y fend(2)agreement ccordance with ts terin a i ms. we have used up the applicable li i om t f

insurance in the payment o judg orf mentsThis exc does not apply to the loss oflusionsettle under Co or orments verages A Buse of other property arising out o suddenfmed e nder Co .ical xpenses u verage Cand accidental physical in to " prod-jury your

uct" or "your work" after i has been put to its No other obligation or l l y to pay sums ort iabi itintended use. perfor ac or serv is covered unlessm ts ices

exp i y pro ided for under Supplelic tl v mentaryn. Recall Of Pro Work Or Imducts, pairedPay Co and .ments verages A BProperty

b. This insurance applies to "personal and ad-Damages clai for any loss, cost or ex-medv tising injury caused by an of arisinger " fensepense incurred by you or others the loss offorout of your business but only i the o fensef fuse, withdrawal, recall inspection, repair re-, ,was com itted in the "co erage terr tory" dur-m v iplace ad t, re v l or d alment, justmen mo a isposing the po cy perli iod.of:

2. Exclusions(1) "Your product";This insurance does not apply to:(2) "Your work"; ora. Kno ng olat n ig Of Anotwi Vi io Of R hts her(3) "I property";mpaired

"Personal and advert in caused byising jury"i is withdrawnf such product, work, or propertyor at the direct o the insured with theion for recal fro the marke or f m use byled m t roknowledge that the act would vio thelateany person or organization because of arights o another and would in l "personalf f ictknown or suspected defect de ic in-, f iency,and ad ising ".vert injuryadequacy or dangerous condition iin t.



b. Material Pub hed With K wled Of j. Insure In Me And I Ty Busi-lis no ge ds dia nternet peFalsity nesses

"Personal and ad ising in arising out "Personal and advert in co m tvert jury" ising jury" m i tedby an insured whose business is:of oral or written publ ion of ma l, iicat teria f

done by or at the d ion o the insured withirect f (1) Ad tising, broadcasting, publ orver ishingknowledge of fa sityits l . telecasting;

c. Material P lis Prior T ol odub hed o P icy Peri (2) Designing or determ content o web-ining fsites for others; or"Personal and ad ising in arising outvert jury"

of ora tten publ ion o mater whosel or wri icat f ial (3) An Internet search, access, content orf publ tion took place be re the begin-irst ica fo serv v der.ice pro ining o the pol period.f icy

Howe th exc does not apply tover, is lusiond. Criminal Acts Paragraphs , and o "personal and14.a. b. c. f

"Personal and ad ising in arising out ad ising injury under the De in ions Sec-vert jury" vert " f ittion.of a cr m l act co m tted by or at the d c-i ina m i ire

tion o the nsured.f i For the purposes of this e lusion, the p ingxc lace. Contractua Liab ityl il of fra borders or l or ad t formes, inks, ver ising,

you or others anywhere on the Internet, is not"Personal and adver in for whichtising jury" theby itsel considered the business of ad is-f, vertinsured has assumed liab li in a cont ori ty racting, broadcasting, ishing or te ecasting.publ lagreement. This exc does not apply tolusion

k. Electron ooms ul n Boaric Chatr Or B leti dsliab li fo da that the insured wouldi ty r magesha in the absence of the contract orve "Personal and ad ising in arising outvert jury"agreement. of ronic m or bu tin boardan elect chatroo lle the

f. Breach Of Contract insured hosts, owns, or over which the in-sured exercises control."Personal and ad ising in arising outvert jury"

of a breach o contrac e an i lf t, xcept mp ied l. Unaut d Use Of Anot Name Orhorize her'sProductcontract to use another's adver idea intising

your "ad t .ver isement" "Personal and ad ising in arising outvert jury"g. Qual Or Perf O Go Fa l-ity ormance f ods i of the unauthori use of another's name orzed

ure o C orm oT onf T Statements product in your e- i address, domain nama l meor metatag sim lar tact is-, or any other i ics to m"Personal and ad ising in arising outvert jury"lead another's potentia stol cu mers.of the ilure o or servfa f goods, products ices to

m. Pol iolut nconfor with any statement o qual or per-m f ityfor ance in your d t .m made "a ver isement" "Personal and ad ising in arising outvert jury"

h. Wrong on f PricesDescripti O of l, a leged or threatened discharge,the actua ldispersal, seepage, migra , release or es-tion"Personal and ad ising in arising outvert jury"cape of lutants" a ti e."pol t any mof the wrong description of ce othe pri f goods,

n. Pol io -Relatedlut nproducts or serv stated in your "adver-icestisement". Any loss, cost or e pense arising out o any:x f

i. Infri nt Of Co ht, Patent, T e-ngeme pyrig rad (1) Request, demand or order that any in-mark Or SecretTrade sured or others test m tor, cfor, oni lean up,"Personal and ad ising in arising out remo e treat, deto i y or neutral-vert jury" v , contain, x fof the in r o copyr patent, ize, or in any way respond to, or assessf ingement f ight,

the e fec , lutants"; orf ts of "poltrademark trade secret or other intellec, tualproperty rights. (2) Clai or suit by or on behal o a go n-m f f verHowe th exc does not apply to in- menta authori for damages because ofver, is lusion l tyf ment in your "ad rt , o copy- testing for, moni ing, clean up, re-ringe , ve isement" f tor ingright, trade dress or slogan. mo i contain treat deto i yv ng, ing, ing, x f ing

or neutrali or in any way respondingzing,



to, or assessing the ef ts of, "pol t-fec lu d. Workers Compensati And S laron imiants". Laws

COVERAGE C TMEDICAL PAYMEN S To a person, whether or not an "em-ployee" o any insured, i bene ts for thef f fi1. Insur g Agreementin"bodily in are payable or must bejury"

a. W wi l pay med l expenses as describede l ica pro ided under a workers' compensationvbelow for "bodi in caused by an acci-ly jury" or disabil y bene its law or a si i law.it f m lardent:

e. Athletics Activities(1) On pre ises you own or rent;m

To a person injured while tak part ining(2) On ways next to pre you own ormises athletics.

rent; orf. Prod -Com Operati Haz-ucts pleted ons

(3) Because of your operations; ardpro ided thatv : Included within the "products-co tedmple

operations hazard".(1) The accident the "co eragetakes place in vterri ing the po icy pertory" and dur l iod; g. Coverage A Exclusions

(2) The e s are incurred and reportedxpense Ex v .cluded under Co erage Ato us within one year of the date o thef

h. Waraccident; andDue to war, whether or not declared, or(3) The in person submits to e mina-jured xaany act or condition inc to war. Waridenttion, a our expense, by physicians of ourtincludes ci i war, insurrect rebel ionv l ion, lchoice as o nably require.ften as we reasoor re lutvo ion.

b. W wi l make these payments regardless ofe lSUPPLE TARY PAYMEN C AMEN TS OVERAGESfau . These payments will not ex the ap-lt ceedAND Bplicab l m o insurance. We wil pay rea-le i it f l

sonable expenses for: 1. W wi pay, with respect to any clai we in i-e ll m vestgate or settle, or any "suit" against an insured we(1) First a ad istered at the t me o anid min i fdefend:accident;a. Al xpenses we incur.l e(2) Necessary medical surgical x-ray and, ,

dental ser ices, includ prosthetic de- Up to $250 for cost o bai bonds required be-v ing f lb.v ces; andi cause of accidents or tra f law v tionsf ic iola

arising out o the use of any veh le to whichf ic(3) Necessary ambulance, hospital, pro s-fethe Bodily In Liabi ity Co erage applies.jury l vsional nursing and v ces.funeral ser iW do not ve fe ha to urnish these bonds.

2. Exclusionsc. The cost of bonds to release attachments, but

W wil not pay e il injurye l xpenses for "bod y ": only for bond a within the applmounts icablea. Any Insured li i o insurance. We do not ha to furnishm t f ve

these bonds.To any insured, e " o work-xcept v lunteerers". d. Al reasonable expenses incurred by the in-l

sured at our request to assist us in the in es-vb. Hired Persontigat or de of the c m or "sui in-ion fense lai t",

To a person hired to do work for or on cluding ac loss of earnings up to $250 atualbehalf o any insured or a tenant of anyf day because of t me f fro work.i o f minsured.

e. Al costs taxed against the insured in thelc. Inj On Occ iedury Normally up Premises "suit".

To a person injured on that part o pref m- f. Prejudg interest awarded against the in-mentises you own or rent that the person nor- sured on that part of the judgment we pay. Ifma ly occupl ies. we make an of to pay the appl li i ffer icable m t o

insurance, we will not pay any prejudgment



interest based on that period of ti e a the Obtain records and other in mam fter for tion(a)of er. related to t";f the "sui and

g. (b)Al terest on the fu moun f any judg ent Conduct and control the de ofl in ll a t o m fensethe inde itee .mn in such "suit"that accrues af entr o the judgment andter y f

before we ha paid, o fered to pay or de-ve f , So long as the above condit are met, a r-ions ttoposited in court the part o the judgment thatf neys' fees incurred by us in the de of thatfenseis within icable i i f rance.the appl l m t o insu inde tee, necessary lit ion expenses in-mni igat

These payments will not reduce the l m ts of incurred by us and necessary lit ion e pensesi i igat xsurance. incurred by the inde tee at our request wil bemni l

paid as Supplementary Pay ts. Notwithstand-men2. I we defend an insured against a "suit" and anfing the pro isions o Paragraph o Sec ionv f f t2.b.(2)inde tee o the insured is also named as amni fI ACo Bodily In And Propertyverage juryparty to the "suit", we will de that inde teefend mniDamage Liab i such pay will not beil ty, mentsi al f fo tions are :f l o the llowing condi metdeemed to be da ages for "bodi in andm ly jury"

a. The "suit" against the inde tee seeks dam-mni "property damage" and wil not reduce the l ml i itsages for which the insured has assumed the of insurance.liab li o the inde tee in a contrac ori ty f mni t

Our obligat to defend an insured's indemniion teeagreement is an " nsured contract";that iand to pay for a fees and necessary litttorneys' i-

b. This insurance applies to such liabi ity as-l gation e as Supplementary Payxpenses mentssumed by the insured; ends when:

c. The obligat to de or the cost of theion fend, a. W ha used up the appli li i o in-e ve cable m t fdefense of, tha inde tee, has also beent mni surance in the paymen o judg or set-t f mentsassumed by the insured in the same "insured tlements; orcontract";

b. The condit set forth abo or the terions ve, msd. The allegat in the "suit" and the in ma-ions for of the agree described in Paragraphment f.

tion we know about the "occurrence" are such abo no longer t.ve, are methat no con li appears to e between thef ct xist

SEC ON WHOTI II IS AN INSUREDinterests of the insured and the interests ofthe inde itee; I are designated in tions as:mn f you the Declara1.

e. a.The inde itee and the insured ask us to An indi idua you and your spouse are insur-mn v l,conduct and control the de of that in- eds, but only with respect to the conduct of afense

business of which you are the sole owner.demn against such "suit" and agree thatiteewe can assign the same counsel to defend b. A partnership or joint v you are an in-enture,the insured and the inde itee;mn and sured. Your me your partners, andmbers,

f. The inde itee:mn their spouses are also insureds, but only withrespect to the conduct f your s.o busines(1) Agrees in writing :to

c. A l m liab i co you are an in-i ited il ty mpany,(a) Cooperate with us in the in estiga-vsured. Your me are also insureds, butmberstion, sett ment or de of thele fenseonly with respect to the conduct o your busi-f"suit";ness. Your managers are insureds, but only

(b) I media send us copies of anym tely with respect to the ies as your gers.ir dut manademands, notices, sum or le-monses

d. An organizat other than a partnership, joion intgal papers recei in connectionvedv or l m liab li co you areenture i ited i ty mpany,with the "suit";an insured. Your "executi o f cers" and di-ve f i

(c) Noti y any other insurer whose cov-f rectors are insureds, but only with respect toerage is ava lable to the inde itee;i mn their duties as your of cers or directors. Yourfiand stockholders are also insureds, but only with

respect to their liab li ders.i ty as stockhol(d) Cooperate with us with respect to co-ordinating o appl le insurancether icab e. A trust, you are an insured. Your trustees area ilab the mniva le to inde tee; and also insureds, but only with respect to their

(2) Pro ides us with written authori ion to: duties as trustees.v zat



2. Each o the llowingf fo is also an insured: b. Any person (other than your "employee" or" lunteer worker"), or any organization whilevoa. Your " lunteer workers" only while per m-vo foracting as your rea manager.l estateing duties rela to the conduct o your busi-ted f

ness, or your "employees", other than either Any person or organization ha properc. vingyour "execu ve o f (i you are an organi- te custody of your property if you die,ti f icers" f mporary

but only:zation other than a partnership, joint ventureor li i liab li co or your managersm ted i ty mpany) (1) W t respect to liabi it arising out of thei h l y(i you are a l m liab li co , butf i ited i ty mpany) ma f pertyintenance or use o that pro ; andonly for acts within the scope of the eir m-

(2) Unti your lega representati e has beenl l vploy by you or while per m dutiesment for ingappointed.related to the conduct of your business. How-

e f these "emp volunteer Your legal representati e i you die but onlyver, none o loyees" or " v f ,d.workers" are insureds for: with respect to duties as such. That represen-

tati wi l ha a l your r and duties un-ve l ve l ights(1) "Bodi in or "personal and ad is-ly jury" vertder this Co erage Partv .ing :injury"

3. W t respect to "mobi equipmen registered ini h le t"(a) To you, to your partners or membersyour name under any motor veh le registratic ion(i you are a partnership or jo v n-f int elaw, any person is an insured while dri ing suchvture), to your me (i you are ambers fequipment a a public highway with your per-longli i liab li co , to a co-m ted i ty mpany)m Any other person or organization re-ission."emp while in the course of hisloyee"sponsible for the conduct of such person is alsoor her e men or per m du-mploy t for ingan insured, but only with respect to l il y ariab it isingties related to the conduct of yourout of the operation o the equip , and only if ment fbusiness, or to your other " olunteervno other insurance of any k is a i to thatind va lableworkers" while per m dut re-for ing iesperson or organization for th l l . Howeis iabi ity ver,lated o your business;to the conduct fno person or organization is an insured with re-

(b) To the spouse, child, parent, brother spect to:or sister o that co-"e loyee" orf mp

a. "Bodi in to a co-"e loyee" o the per-ly jury" mp f" lunteer worker" as a consequencevoson dri ing the equ ment;v ip orof abo e;Paragraph v(1)(a)

b. "Property da to property owned by,mage"(c) For which there is any obligat toionrented to, in the charge of or occup by youiedshare damages with or repay some-or the emp o any person who is an in-loyer fone else who must pay da be-magessured under this provision.cause of the injury described in Para-

graphs or abo e;(1)(a) (b) v or 4. Any organizat you newly acqu or m otherion ire for ,than a partnership, join v or l m l lt enture i ited iabi ity(d) Arising out of his or her provid oringcompany, and o er which you tain ownershipv mainfa ling to pro i pro healthi v de fessionalor major y interest, wi qual fy as a Na In-it ll i medcare ser ces.visured if there is no other sim insurance avaiilar l-

(2) "Property da to propertymage" : able to zat ver:that organi ion. Howe(a) Owned, occupied or used by, a. Co v is a forded onlyverage under this pro ision f(b) Rented to, in the care, custody or unti the 90th day a ter you acquire or f ml f or

control o , or o er which physical con- the organizat or the end o the po icy pe-f v ion f lriod, whiche er rlv is ea ier;trol is being exerc for any pur-ised

pose by b. ACo does not apply to "bodi inverage ly jury"you, any o your "e loyees", " olunteer or "property da that occurred bef mp v mage" fore

you acquired or or organizatf med the ion; andworkers", any partner or member (i youfare a partnership or joint ven or anyture), c. BCo does not apply to "personal andverageme ( f you are a l m l il ty comber i i ited iab i m- ad ising injur arising out of an ofvert y" fensepany). com i before you acquired or for them tted med

organization.



No person or organization is an insured with respect The Li its o Insurance of th Co Part applym f is verageto the conduct o any current or past partnership, jo separately to each consecuti e annual per and tof int v iodv or l m l il ty co that is not shown any rema period o less than 12 months, startingenture i ited iab i mpany ining fas a Named Insured in clarathe De tions. with the beginning o the pol per shown in thef icy iod

Declarat unless the policy period is eions, xtendedSEC ON I LIM T OFTI II I S INSURANCEaf issuance for an addit per o less than 12ter ional iod f

1. The Li its o wn in the Declarationsm f Insurance sho months. In that case, the addi l period wi betiona lland the rules below fi the most we will pay re-x deemed part o preceding per purposesf the last iod forgardless of the nu fmber o : of m the L m fdeter ining i its o Insurance.a. Insureds; SEC ON IV COM TTI MERCIAL GENERAL LIABILI Yb. CONDI IONSClai made orms "suits" brought; or T

1. Bankruptcyc. Persons or organizations making c ms orlaibringing "suits". Bankruptcy or insol ency o the insured or o thev f f

2. The General Aggregate Li it is the most we will insured's estate wil not re ie us of our ob a-m l l ve ligpay sum o : tions under this Co erage Partfor the f v .

a. CMedical xpenses under Co ;e verage 2. Duties In T Event Of Occurrence, Ohe ffense,Claim uitOr Sb. ADamages under Coverage , e daxcept m-

ages because of "bodi in or "property You must see to it that we are noti ied asly jury" fa.damage" inc in the "products-comple soon as practicable o an "occurrence" or anluded ted foperations hazard"; and of ense which may result in a cla m. To thef i

exten ice shouldt possible, not include:c. BDamages under Co .verage(1) How, when and where the "occurrence"3. The Products-Completed Operat Aggregateions

or o fense took placef ;Li it is the most we wil pay under Com l verage Afor da because of "bodil in and "prop- The names and addresses of any inmages y jury" jured(2)

persons and witnesses; anderty da luded in the "products-co tedmage" inc mpleoperations hazard". (3) The nature and locat o any in orion f jury

4. 2.Subject to abo , the Personal and Adver ising damage arising out o the "occurrence" orve t fof ense.fInjury Li i is the most we wil pay under Cover-m t l

age for the sum o a da because of alB f ll mages l b. I a c m is made or "suit is brought againstf lai ""personal and advert jury" sustained by anyising in any insured, you must:one person or organization.

(1) I media record the speci ics of them tely f5. 2. 3.Subject to or abo , whiche appl theve ver ies, clai or and the date ecei ed;m "suit" r v and

Each Occurrence Li it is the most we will pay form(2) Noti y us as soon as practicable.fthe sum o :fYou must see to i that we recei e written no-t va. ADamages under Co ; andveragetice o the c m or "suit as soon as practica-f lai "

b. CMedical xpenses under Coe verage ble.because of al "bodi injury and "property dam-l ly " c. You and any other v v insuredin ol ed must:age" arising out o any one "oc rrence".f cu

(1) I media send us copies of any de-m tely6. 5.Subject to abo e, the Da To Pre isesv mage m mands, noti sum or legal pa-ces, monses

Rented To You Lim is the most we will pay un-it pers recei ion with the cla mved in connect ider Coverage for damages because of "prop-A or "suit";erty da to any one pre ises, while rentedmage" m

(2) Authorize us to obtain records and otherto you, or in the case of damage by f whileire,in mafor tion;rented to you or te il occup by you withmporar y ied

perm the owner.ission of (3) Cooperate with us in the in igat orvest ionsettle f the c i fense againstment o la m or de7. 5.Subject to abo , the Medi E Li t isve cal xpense mithe "suit"; andthe most we will pay under Co for alverage lC

med e because of "bodily in sus- Assist us, upon our request, in the en-ical xpenses jury" (4)tained by any one person. for ment o any right against any personce f

Page 10 of IS Propert 200016 O ies Inc., CG 00 01 10 01


or organizat which may be l That is insurance purchased by youion iable to the (c)insured because of in or da to to co r your liab li as a tenant forjury mage ve i tywhich this insurance lso apply.may a "property damage" to pre isesm

rented to you or te i occupiedmporar lyd. No insured will, e at tha insured's ownxcept tby you with per o the owner;mission fcost, vo ly make a pay assumeluntari ment,orany obligat or incur any expense, otherion,

than f id, hout ourfor irst a wit consent. (d) I the loss arises out of the ma e-f intnance or use of aircra t, "autos" orf3. Legal nst UsAction Agaiwatercraft to the e not subject toxtent

No person or organization has a right under this Ex o Sect Co erageclusion f ion vg. ICo :verage Part A Bodily In And Property Dajury m-

age Liabi ty.lia. To jo us as a party or otherwise bring usininto a "suit" asking for damages fro an in-m (2) Any other pr mary insurance a ilab toi va lesured; or you co liab i for da arisingvering il ty mages

b. To sue us on this Coverage Part unless all o out of the prem or operations forf isesits ter v fu ly co p ied with.ms ha e been l m l which you have been added as an addi-

tional insured by attachmen of an en-tA person or organization ma sue us to recoy verdorsement.on an agreed settlement or on a f judginal ment

against an insured; but we will not be l le for W th insurance is excess, we will haiab hen is vedamages that are not payable under the terms of no duty under Co rages or to deve fendA Bthis Co Part or that are in e of the the insured against any "suit" i any other in-verage xcess fapplicab li i o insurance. An agreed settle- surer has a duty to de insured againstle m t f fend thement means a settlement and release of l l that "suit" I no other insurer defends, we williabi ity . fsigned by us, the insured and the clai or the undertake to do so, but we will be ent led tomant itclai ant's legal esentati e.m repr v the insured's rights against all those other in-

surers.4. Other nsI uranceW this insurance is excess o other in-hen verI other va id and collec ible insurance is a lablef l t vaisurance, we will pay only our share of theto the insured for a loss we cover under Co r-veamount o the loss, i any, that e thef f xceedsages or of this Co , our oblA B verage Part igationssum of:are l m foi ited as llows:(1) The tota a that al such other in-l mount la. Primary Insurance

surance would pay for the loss in the ab-This insurance is primary e when be-xcept b. sence of this insurance; andlow applies. I th insurance is primary, ourf is

(2) The total o al duct f-f l de ible and sel insuredobligat are not a fec unless any of theions f tedamounts under al that otherl insurance.other insurance is also pri Then, we willmary.

share with all that other insurance by the W wil share the re ing loss, i any, withe l main fme below.thod described in c. any other insurance that is not described in

this Excess Insurance pro and was notvisionb. Excess Insurancebought specif lly to app in e of theica ly xcess

This insurance is e s oxces ver: Li its of Insurance shown in the Declarationsmof is Co t.th verage Par(1) Any of the other insurance, whether pri-

mary e contingent or on any other, xcess, c. Metho Of ngd Sharibasis:

I a o the other insurance permi contribu-f ll f ts(a) That is Fire, E tended Coverage,x tion by equal shares, we will f low thisol

Bui Risk, Instal ion R orlder's lat isk me also. Under this approach each in-thodsim lar co erage r "youri v fo work"; surer contributes equal a until it hasmounts

(b) That is F insurance for pre ises paid its applicable li i o insurance or noneire m m t fof loss remains, whiche er co fthe v mes irst.rented to you or te i occupiedmporar ly

by you with per ission ofm the owner; I any o the other insurance does not permf f itcontribut by equal shares, we will contr b-ion i

CG 00 01 10 01 IS Propert 2000 Page 11 ofO ies Inc., 16


9. When We Do ReneNot wute by l m Under this method, each in-i its.surer's share is based on the ratio o ts appli-f i I we decide not to renew this Co Par wef verage t,cable li i o insurance to the total applicablem t f will mai or del v to the f Na Insuredl i er irst medli i f al insurers.m ts o insurance of l shown in the Declarations written notice o thef

5. Premium Audit nonrenewal not less than 30 days before the expi-ration date.a. W wi l co al pre iu for this Co r-e l mpute l m ms ve

age Part in accordance with our rules and I not is mai proo o ma ling wi be suf i-f ice led, f f i ll frates. cient proo o notif f ce.

SEC ON V DE I IONSTI FIN Tb. Prem m shown in this Co rage Part as ad-iu vev pre iu is a deposit prem m only Atance m m iu . 1. "Ad t means a notice that is broadcastver isement"the close of each audit per we wil coiod l m- or published to the general public or specif r-ic mapute the earned premiu for that period andm ket segments about your goods, products or ser-send notice to the f Na Insured. Theirst med v ces for the purpose of att ing custo ori ract mersdue date for audit and retrospecti pre i-ve m supporters. For the purposes of f tion:this de iniums is the date shown as the due date on the

a. Notices that are published include materialbil I the sum o the ad ance and audit pre-l. f f vplaced on the Internet or on sim lar electi ronicm ms paid for the pol period is greateriu icymeans o m icat andf co mun ion;than the earned premiu , we will return them

excess to the irst Na Insured.f med b. Regarding web-sites, only that par o a web-t fsite that is about your goods, products or ser-c. The irst Naf med Insured must keep records ofv ces for the purposes of attrac ing customersi tthe in ma we need for pre iu co u-for tion m m mpor supporters is considered an ad rt .ve isementtation and send us copies at such times as,

we may request. 2. "Auto" means a land motor v le, tra ler orehic isemit ler designed for tra e on publ roads, in-rai v l ic6. Representationscluding any at machinery or equ ment.tached ip

By accept is pol you agree:ing th icy, But "auto" lude " ile ment"does not inc mob equip .a. The statements in the Declarat are accu-ions 3. "Bodi in means bodily in sickness orly jury" jury,

rate and co te;mple disease sustained by a person, including deathresulting ro f t me.f m any o these at any ib. Those statements are based upon represen-

tations you made to us; and 4. "Co ri mverage ter tory" eans:c. W ha e issued this policy in rel upone v iance a. The United S of A ica ( luding itstates mer inc

your representations. terri and possessions), Puerto Rico andtories7. Separatio Of uredsn Ins Canada;

Ex with respect to the Lim ts of Insurance, Internationa waters or airspace, but onl icept i l y fb.and any rights or duties specif ly assigned in the injury or damage occurs in the course oficalthis Co Part to the first Na Insured, tra l or t between any placesverage med ve ransportationthis insurance applies: included abo ; orin vea.

a. c.As if each Named Insured were the only Al other parts of the world i the injury orl fNamed damage arInsured; and ises out of:

b. (1)Separately to each insured against whom Goods or products made or sold by you inclai is t" the terr described in abo e;m made or "sui is brought. itory va.

8. Tra Of Ri Of Recovery Against Oth- (2)nsfer ghts The act v t of a person whose home isi i iesers To Us in the terr y described in abo e, butitor va.

is away for a short t me on your business;iI the insured has rights to reco al or part of ver l forany payment we ha made under th Cove is verage

Part, those rights are transferred to us. The in- "Personal and adver " o fenses(3) tising injury fsured must do nothing after loss to impair the that take p through the Internet orm. laceAt our request, the insured will bring "sui or sim lar elec means of co mun a-t" i tronic m ic

tiontransfer those rights to us and help us enforcethem.



pro ided the insured's responsibil y to pay dam- damage" to a th person or organizatv it ird ion.ages is determ in a "suit" on the r in the Tort l l means a liab li that would beined me its, iabi ity i tyterri described in abo or in a settle i by law in the absence of any con-tory ve ment mposeda.we agree to. tract or ment.agree

5. f."E inc a "leased worker". "E Paragraph does not include that part o anymployee" ludes m- fployee" does not inc te orary worker". contract or :lude a " mp agreement

6. (1)"E i e o f cer" means a person holding any o That inde f a ra lroad for "bodi in-xecut v f i f mni ies i lythe o f positions created by your charter con- jury" or "property da ar out of icer , mage" ising fstitut by- or any other simi go ern construction or de i operation, laws lar v ing mol tion ions,document. within 50 feet o any rai property andf lroad

af ect any railroad bridge or trestle,f ing7. "Hostile f re" means one which becomes uncon-itracks, road-beds, tunnel, underpass ortrol or breaks out fro where it was intendedlable mcrossing;to be.

(2) That inde i ies an architect, eng ormn f ineer8. "I property means tangible property,mpaired "surveyor for injur or damage arising outyother than "your product" or "your work", thatof:cannot be used or is less useful because:(a) Preparing, appro ing, or fa ing tov ila. It incorporates "your product" or "your work"

prepare or approve, maps, shopthat is known or thought to be defect v de i-i e, fdrawings, opinions, reports, surveys,cient, inadequate or dangerous; orf ld orders, change orders or draw-ie

b. You have fa to fu f l the ter of a con-iled l il ms ings and specif atic ions; ortract or ment;agree

(b) Gi ing d tions or instructions, orv ireci such property can be restored to use by:f fa ling to gi e the , i that is the pri-i v m fa. The repair, replace , adjust or re- mary cause of the in or damage;ment ment jury

mo a f product" or orv l o "your "your work"; or

b. (3)Your fu f l the ter of the contract or Under which the insured, i an arch t,l i ling ms f itecagreement. engineer or sur assumes liabi ityveyor, l for

an injury or da arising out o the in-mage f9. "Insured contract" means:sured's rendering or fai to render pro-lure

a. A contract for a lease of pre ises. However,m fessional ser inc those listedvices, ludingthat port o the contrac fo a lease ofion f t r in abo e and super inspection,(2) v visory,prem that inde i ies any person or or-ises mn f architec or engineering i i ies.tural act v tganization f da by f to pre isesor mage ire m

10. "Leased worker" means a person leased to youwhile rented to you or te il occupmporar y iedby a labor leasing f m under an agreement be-irby you with per ission of the owner is not anmtween you and the labor leasing f m to per mir , for"insured contract";duties related to the conduct of your business.

b. A sidetrack agree ;ment "Leased worker" does not include a "temporaryworker".c. Any easement or li agreement, ecense xcept

in connect with construction or de li ionion mo t 11. "Loading or unload means the handling ofing"operations on or within 50 eet o a ra lroad;f f i property:

d. An obligat as required by ordinance, to in-ion, a. A it is mo f m the p where it isfter ved ro lacedemn fy a m ipal ty, e cept in connecti unic i x ion accepted for mo e in or onto an a r-v ment to iwith work for mun l ;a icipa ity cra watercra "auto"ft, ft or ;

e. An ele ator ma ;v intenance agreement b. W i i is in or on an aircra , watercraft orh le t ft"auto"; orf. That part o any other contract or agreef ment

pertaining to your business (including an in- c. W i i is being mo ed f m an aircra , wa-h le t v ro ftdemn f ion o a mun ipal y in connecti icat f ic it ion tercra to" to the place where it inalft or "au is f lywith work perfor for a muni l undermed cipa ity) deli ered;vwhich you assume the tort l il ty o anotheriab i f

but "loading or un does not include theloading"party to pay for "bodi injury" or "propertylymo e t o property by m of a mechaniv men f eans cal



de ice, other than a hand truck, that is not at- "Occurrence" means an accident, inc ingv lud13.tached to the ra , watercra or "auto"airc ft ft . continuous or repeated exposure to substantially

the same general m l condi ions.har fu t12. "Mobi equip means any o the f lowingle ment" f oltypes of land veh les, inc any attached "Personal and ad ising injury means inic luding vert " jury,14.mach equip :inery or ment includ consequential "bodi in , arising outing ly jury"

of more o the llowing o fone or f fo f enses:a. Bul m mach f li ts and otherldozers, far inery, ork fa. False arrest, detent i isonmention or mpr ;v icles designed for use principal f iceh ly o f publ

roads; b. Mal ious prosecution;icb. Vehic ma nta for use solely on or neles i ined xt c. The wrongful e i tion f m wrongful entryv c ro ,

to pre ises you own or rent;m into, or in asion of the right o pr v occu-v f i atec. Vehic v l onles that tra e crawler treads; pancy o a room dwell or pre ises that af , ing m

person occupies, com i by or on behalm tted fd. Vehic whether sel -propel or not, main-les, f ledof ts owner, landlord or essor;i ltained pri il to pro ide mob i to perma-mar y v il ty

nently :mounted d. Oral or writ publi ion, in any manner, oten cat fma l that slanders or libels a person or or-teria(1) Power cranes, sho loaders, diggersvels,ganization or disparages a person's or or-or dri ls; orlganization's goods, products or services;

(2) Road construction or resurfac equip-inge. Oral or writ publi ion, in any manner, oten cat fment s, scrapers or rollers;such as grader

ma l that v ola a person's right of pri-teria i tese. a. b c. d.Vehic not described in , , orles . v ;acy

abo that are not sel -propel and areve f ledf. The use of another's adver ising idea in yourtma ined pri i to pro ide mob li tointa mar ly v i ty

"ad isemen orvert t";permanent attached equip t o the foly men f l-lowing types: g. In inging upon another's copyright, tradefr

dress or slogan in your "ad ert t".v isemen(1) Air co pumps and generators,mpressors,includ spraying, welding, bui ing "Pol mean any solid, liqu gaseous oring ld lutants" id,15.cleaning, geophysical e tion, l ing ther irr tant or conta inant, includ smoke,xplora ight mal i m ingand well ser ic ment;v ing equip or v soot, fu ac alkal che icals andapor, mes, ids, is, m

waste. Waste includes mater ls to be recycled,ia(2) Cherry pickers and sim lar de i usedi v cesrecondit ec med.ioned or r laito raise or er workers;low

16. "Products-comp ions hazard":leted operatf. a. b c. d.Vehic not described in , , orles .abo ma i il for purposes other Includes all "bodi in and "property dave intained pr mar y ly jury" m-a.than the transportation f persons or cargo.o age" occurring away fro pre ises you ownm m

or rent and arising out of "your product" orHowe sel -propel veh with the fol-ver, f led icles"your work" except:lowing types of permanently at equip-tached

ment are not "mob le equipment but will be Products that are stil in your physicali " l(1)considered "autos": possession; or

(1) Equip ma ly for:ment designed pri ri (2) W rk that has not yet been co oro mpletedabandoned. Howe "your work" wil bever, l(a) Snow remo l;vadeemed co leted at the ear iest o themp l f

(b) Road maintenance, but not construc- fo lowing ti es:l mtion or ing; orresurfac

(a) W ll o the work calledhen a f for in your(c) Street c ;leaning contract has been completed.

(2) Cherry pickers and sim lar de icesi v (b) W a l o the work to be done athen l fmounted on auto le or truck chassismobi the job si has been comp ite leted fand used to raise or lower workers; and your contract cal for work at morels

than one job site.(3) Air co pumps and generators,mpressors,includ spraying, welding, bui inging ld (c) W that par o the work done at ahen t fcleaning, geophysical e tion, l ingxplora ight job site has been put to i intendedtsand well ser ic ment.v ing equip



use by any person or organization must submi or does submit with our consent;torother than another contrac or sub-tor

contractor working on the same pro- b. Any other alternat v dispute resolution pro-i eject. ceeding in which such damages are claimed

W rk that may need ser , ma e- and to which the insured submi with ouro vice int tsconsent.nance, correction, repair or replacement,

but which is otherwise complete, wil bel 19. "Te worker" means a person who ismporarytreated as completed. furn to you to substitute for a perished manent

b. Does not include "bodi injury or "property "emp lea e or meet nal or short-ly " loyee" on v to seasodamage" ar f ter iising out o : m workload cond tions.

(1) 20.The transportation o property, un the "Volunteer worker" means a person who is notf lessinjury or da arises out of a condit your "emp and who donates his or hermage ion loyee",in or on a vehic not owned or operated work and acts at the direction o and within thele fby you, and that condi was created by scope of duties determ by you, and is nottion inedthe "load or unloading" o tha v cle paid a fee, salary or other compensation by youing f t ehiby any insured; or anyone else ir work per med or you.for the for f

21. "Your product":(2) The ex of too uninstalistence ls, ledequipment or abandoned or unused ma- a. Means:terials; or

(1) Any goods or products, other than real(3) Products or operations for which the c s-la property, manu , sold, handled,factured

sif tion, l the Dec ions or in aica isted in larat distributed or disposed of by:policy schedule, states that products-

(a) You;comp operations are subject to theletedGeneral Aggregate L m . Others trading under your me; ori it na(b)

17. "Property da means:mage" (c) A person or organization whose busi-ness or assets you ha acquired;vea. Physical injury to tangib property inc ingle , ludandall resulting loss of use of tha property. Alt l

such loss of use shall be dee to oc at Containers (other than veh matermed cur icles), i-(2)the t me o the physica injury that caused it; als, parts or equip f in con-i f l ment urnishedor nection with such goods or products.

b. Includes:b. Loss of use of tangib property that is notlephysically injured. A l such loss of use shalll (1) W rrant or representations made ata iesbe deemed to occur at the ti of the "occur-me any ti with respect to the fi qual-me tness,rence" that caused it. ity i for, durabil ty, per mance or use of "your

For the purposes of th insurance, electronicis product"; anddata is not property.tangible (2) The pro iding o or fa lure to pro idev f i vAs used in this de it e ic data meansfin ion, lectron warnings or instructions.in ma fac or programs stored as or on,for tion, ts

c. Does not include v d machines or otheren ingcreated or used on, or transmi to or frotted mproperty rented to or located for the use ofcomputer sof inc systems and appltware, luding i-others but not sold.cations software, hard or floppy disks, CD-ROMS,

22. "Your work":tapes, dri ce data processing dev orves, lls, icesany other media which are used with elec i-tron a. Means:call l menty contro led equip .

(1) W rk or operat perfor by you oro ions med18. "Suit a ci i proceeding in which da" means v l mages on your behal andf;

because of "bodi injur "property da orly y", mage"(2) Materia parts or equipment furn inls, ished"personal and advert in to which this in-ising jury"

connection with such work or operations.surance applies are alleged. t" ludes:"Sui inc

a. An arbitrat proceeding in which such dam-ionages are clai and to which the insuredmed



b. Includes: ity i for, durabil ty, per mance or use of "yourwork", and(1) W rrant or representations made ata ies

any ti with respect to the fi qual- The pro iding o or fa lure to pro ideme tness, v f i v(2)warnings or instructions.



THIS ENDORSEMENT CHA ASE READ IT CAREFULLY.NGES THE POLICY. PLE

AMENDMENT OF COVERAGE POLLUTION

This endorsement i ies insurance pro ided under t folmod f v he lowing:

COMMERC GENERAL L ITY VERA AIAL IABIL CO GE P RT

PROVI ONSSI mo e conta treat deto i y or neutrav , in, , x f l-ize, or in any way respond to, or assessParagraph , Par of.(2) Po uti 2. Exc us nsll on l iot fthe e fec , “po lutants”; orf ts of lSEC ON I C , C A BODITI OVERAGES OVERAGE LY

INJURY AND PROPER DAMAGE L ABILI Y (b)TY I T is Clai or “suit” by or on behal o a go -m f f vdeleted and replaced by fo lowing:the l ernmenta authorit because of testingl y

for mon tor c up, re v ng,, i ing, leaning mo i(2) Any loss, cost or e fxpense arising out o any:containing, trea deto i ing or neting, x fy u-

(a) Request, demand, order or statutory or tral ing, or in any way responding to, orizregulatory require that any insuredment assessing the e fec f “po tants”.f ts o lluor others test for, mon c up, ritor, lean e-

CG D2 55 11 03 Copyright, Tra elers Inde ity mpany, 2003 Page 1 oThe v mn Co f 1

COMM RCI L G NERAL IAB LI YE A E L I T


A ENDMENT OF COVERA E B PERSONA ANDM G LADVERTISING INJU Y LIABILITYR


COMM RCI L G NERAL IAB LI Y COVERAG PA TE A E L I T E R

P O ISIONR V S

A. AMEND EN O DEFIN T ON O PERSONAL 2.M T F I I F The fo lowing repla e the thi d senten e ol c s r c fAND ADVERT SIN IN URYI G J Pa ag aphr r 2. of SUP L MEN ARY PAY-P E T

MEN S CO E AGES A AND BT V R :The fol o ing repla e the de i i ion o "perso all w c s f n t f nand adv rti i g inj ry in thee s n u " DEF NIT ONSI I Sec- No wit standing the prov sions o Pa agrapt h i f r htio :n 2. .(2)b o Se tionf c I Cov ragee A Bodily In-

j ry And Property Dam ge Liabi i y o Para-u a l t r"Per o al and adv rti ing injury mea s "perso als n e s " n ngraph 2.e. o Sectionf I Cov ragee B Pe -ri ju y o "adv rti i g i jury .n r " r e s n n "sonal and Adv r ising In ury Liabil ty, suche t j i

B AMEND EN O CON RACTUAL LIABI IT. M T F T L Y paym nts wi l not be deem d to be dam gee l e a sEX LU ION EX EP ION FO DAMAGESC S C T R be ause o "bodily i ju y , "property dam gec f n r " a "B CAUSE O PERSONAL INJU Y ASSU EDE F R M or "persona i jury , and wil not reduce thel n " lB NAMED INSURED IN AN IN URED CON-Y S l m t o in urancei i s f s .TRA TC

3. The fo lo ing repla e the fi st pa agraph ol w c s r r f1. The fol o ing i added to Ex lusionl w s c e., Con- Pa ag aphr r f. o the defi it o o "in ured co -f n i n f s n

trac u l Li bi ityt a a l , in Paragraph 2. of SE -C tra t in thec " DE INI IO SF T N Section:TI N I CO ERAGE CO ERAGE BO V S V

f. That pa t o any other cont a t or agree-r f r cP RSONAL AND ADVERT SIN INJU YE I G Rm n pe tai i g to you busine s (includ-e t r n n r sL ABI I YI L T :i g an i dem i i ation o a muni ipali y inn n n f c f c t

Thi ex lusion al o doe not apply to lia il tys c s s b i connect on wi h work pe fo me fo ai t r r d rfo dam ges be ause o "personal inj ry a -r a c f u " s m ni ipal ty under whi h y u a sume theu c i ) c o ssum d by y u in a cont a t or agreemen thate o r c t to t lia ili y o anothe party to pay for b t f r ri a "i sured con ra t", prov ded that thes n n t c i "bo ily i ju y , "property dam ge or "pe -d n r " a " r"pe sonal inj ry i ca sed by an o fe ser u " s u f n sonal i ju y to a third party or organiza-n r "com i ted subsequent to the ex cut on of them t e i tio . To t lia il ty means a lia il ty thatn r b i b icont a t o agreem nt. Sole y fo the purpo -r c r e l r s woul be im osed by law i the absenced p ne o liabil ty assume by yo i an "insureds f i d u n o any ont a t or ag eem nt.f c r c r econt a t", reasonable attor ey fees and ne -r c n c

C. ADD TION O ACCESS O DI CLO URE OI F R S S Fe sary l t ga ion ex ense incurred by or fo as i i t p s rCON ID NT AL OR PE SONAL INFO -F E I R Rpa ty ot er than an insured will be deem d tor h eMATI N X LUS ONO E C Ibe dam ge be au e o "perso al inj ry ,a s c s f n u "

prov ded hat The fo lowi g ex lusion is added to Parag api t : l n c r h 2.,Ex lu io sc s n , of SE TION I CO ERAGEC V S(1) Lia il ty to such pa ty fo , or fo the co tb i r r r sCO ERAGE B P RSONAL AND AD E T S NV E V R I I Go , tha pa ty s de ense ha al o been a -f t r ' f s s sIN U Y L ABIL TYJ R I I :sum d by yo in the same "i sured co -e u n n

tra t ; andc " Access O Disclos re O Co fid n ial O Per-r u f n e t rso al In o mati nn f r o(2) Su h a to ney fee and li igat on ex ens-c t r s t i p

e are fo de en e o that party against a "Pe so al inj rys r f s f r n u " o "adv rt sing inj ry a ising outr e i u " rciv l o al ernat v di pute re ol tio pro- o any a ce s toi r t i e s s u n f c s or di clo ure o any perso 's ors s f nceedi g in which dama es to whi h this organi ation' confi en ia on g c z s d t l r perso al info -n ri suran e appl e a e alleged. m t onn c i s r a i .

CG 4 71 01 5D 1 © 2015 The Travelers Indemnity Company. All rights reserved. Pa e 1 of 4gIncludes copyrighted material of nsurance Services OfI f ce, Inc. with its permis ion.i s


D AMEND EN O O H R EX LUSION. M T F T E C S fo m wit any stateme t of quality or pe -r h n rfo man e m de n y ur "adv rti eme t .r c a i o e s n "1. The follo ing repla es Ex lusionw c c b., Material

Pu l shed With Kn w edg O Falsi yb i o l e f t , in 5. The fo lowi g repla e Ex lu ionl n c s c s h., WrongPa ag aphr r 2. of SECT ON I COVERAGES Descri tio O P icesI p n f r , in Pa agraphr 2. of

COV RAGE B P RSONAL AND ADVER- SECT O COVERAGES COV RAGE BE E I N I ETI IN INJU Y LIABI I YS G R L T : P RSONAL AND ADVE TI ING INJU YE R S R

L ABI I YI L T :b Materi l P bl shed With Know ed e O. a u i l g fF lsi y h. Wrong Descrip io Of P icesa t t n r

"Pe so al injury or "a v rti ing injury "Adv rti ing inj ry arir n " d e s " e s u " sing out o thefari ing out o o al or wri ten publi atio , wrong de criptio o ths f r t c n s n f e pri e o good ,c f si clu ing publ cat on by ele troni mea s, produ ts or se v cen d i i c c n c r i s sta ed in yo r "ad-t uo ma e ial if done by or at the di ectio v rti em nt .f t r , r n e s e "o the insured wi h knowledge o it fa si-f t f s l 6. The fol owing repla e Ex lu ionl c s c s i., In-ty. frin e en O Cop righ , P tent, Trad -g m t f y t a e

2. The fol o ing replace Ex lusionl w s c c., Material mark, O Trade Secretr , in Paragraph 2. ofPu l shed P io To Pol cy Periodb i r r i , in Para- SECT O COVERAGES COV RAGE BI N I Egraph 2. of SECT ON I CO ERAGE P RSONAL AND ADVE TI ING INJU YI V S E R S RCO ERAGE B P RSONAL AND ADV R- LIAB LI YV E E I T :TI IN INJU Y LIABI I YS G R L T : i. In ell ctual Pro ertyt e pc. Materi l Pu lishe Or Used P ior Toa b d r "Pe so al injury or "a v rti ing injuryr n " d e s "

Po icy P riodl e ari ing out o a y act al or a le ed in-s f n u l g(1) "Per o al injury o "a v r i ing i ju- fri gem nt or v o at o os n " r d e t s n n e i l i n f any o the fo -f l

ry a i ing o t o o al or writ en publi lowing rights o laws" r s u f r t - r , or any other "per-ca ion incl ding publi a ion by ele - sonal inju y o "adv rti i g int , u c t c r " r e s n jury al e ed" l gtro i m a s, o ma eria whose fi st in any claim o "suit thn c e n f t l r r " at al o al ege anys l spubl catio took pla e be o e the be- such in ri gem nt or v o atioi n c f r f n e i l n:gi ning o the pol cy pe iod; orn f i r (1) Co yrig t;p h

(2) "Adv rti i g injury ari ing out o in-e s n " s f (2) Paten ;tfri gem nt o copy ight "tit e o "slo-n e f r , l " r

(3) Trade dre s;sgan" in yo r "adv rti em n " whoseu e s e tfi st i f i geme t in yo r "adv rti e-r n r n n u e s (4) Trade name;m n " wa com i ted be ore the be-e t s m t f (5) Tradem rka ;gi ning o the pol cy period.n f i

(6) Trade se ret; oc r3. The fol o ing repla e Ex lu ionl w c s c s f., Breach

(7) Ot e intel e tual property rights oh r l c rO Con racf t t , in Paragraph 2. of SECTION Ilaws.CO ERAGES COVERAGE B PERSONALV

AND ADVERT SIN IN URY L AB LI YI G J I I T : Thi ex l sion does no apply o:s c u t tf. B each O Contractr f (1) "Adv rti i g injury ari ing out o anye s n " s f

a tual or al e ed infr ngem nt or v o-c l g i e i"Adv rti i g inj ry a ising out o a breache s n u " r fla ion o another's copy ight, "tit e ort f r l "o ont a t.f c r c"sl gan" i you "a v r i em nt"; oro n r d e t s e

4. The fo lowing replaces Ex lusionl c g., Qua ityl(2) Any othe "personal i ju y" o "adv r-r n r r eO Perfo mance of Good Fail re Tor r s u

ti i g injury al eged i any claim os n " l n rCo fo m To Statementsn r , in Pa agraphr 2. of"sui " that a so allege any such in-t l sSE TI N COVE AGES CO ERAGE BC O I R Vfri gem nt or v o at on o anothe 'sn e i l i f rP RSONAL AND ADVERT SIN INJU YE I G Rcopyri ht, "title or "slogan" in youg " rL ABI I YI L T :"adv rti em n ".e s e t

g Q al ty O Perfo mance O Good. u i r r f s7. The fol owing repla e Ex lusionl c s c j., Insu edsrF i ure T o form T tatementa l o C n o S s

In Med a And Internet Type Busin ssesi e , in"Adv rti i g injury ari i g out o the fai -e s n " s n f l Pa ag aphr r 2. of SECT ON I COVERAGESIure o goods, products o se v ce to con-f r r i s COV RAGE B P RSONAL AND ADVER-E E

TI IN INJU Y LIABI I YS G R L T :

Pa e 2 of 4g © 2015 The Travelers Indemnity Company. All rights reserved. CG 4 71 01 5D 1Includes copyrighted material of nsurance Services OfI f ce, Inc. with its permis ion.i s


j. In ure s In Med a And Inte net Types d i r "pe sonal injury and "adv r ising injury sus-r " e t "B sin ssesu e ta ned by any one perso or o ganizat oni n r i .

"Pe so al injury or "a v rti ing injuryr n " d e s " G. ADDI IONAL DEF NI IONT I T Sari ing out o a o fe se com i ted by ans f n f n m t The fo lowing is a ded to thel d D FIN T ONE I I S Se -ci sured who e bu ine s i :n s s s s tio :n(1) Adv rti i g, "broadca ting" o pub-e s n s r "Adv rti i g in ury :e s n j "

l shing;ia. Mean injury, o her than "personal injury ,s t "

(2) De igning o determ n ng co tent ofs r i i n caused by one or mo e o the fo lo ing o -r f l w fweb site fo othe s; or- s r r fe se :n s

(3) An Internet sear h, access, contentc (1) Ora or wri ten publi atio , incl ding pub-l t c n uor e v ce p ov de .s r i r i r l ca ion by ele t oni m an , o ma eria ii t c r c e s f t l n

Thi ex l sion does no apply to Para- your "adv r iseme ts c u t e t n " that slander or l -s igraphs a.(1), (2) a dn (3) o the de i it on be s a pe son or o ganizat o or di paf f n i l r r i n s r-o "personal n ury . age a perso 's o o ganiza io 's goodsf i j " s n r r t n ,

produ ts or se v ce , prov ded that thec r i s iFo t e purpo e o this ex lu ion:r h s s f c scla m i ma e o the "suit is brought by ai s d r "

(1) Creat ng and producing cor espond-i r pe son or organiza ion that cla m to havr t i s een e wri ten in the conduct o yo rc t f u been slande ed or libeled, o that claimr r sbu ine s, bulle ins, fi an ial or annu-s s t n c to hav had its good , products o se -e s r ral report , o newsletter a out yous r s b r v ce di paraged;i s sgoods, product o se v ce wi l nots r r i s l

(2) Ora or wri ten publi ation incl ding pub-l t c , ube conside ed the busi e s o pub-r n s fl ca ion by ele t oni m an , o ma eria ii t c r c e s f t l nl shing; andiy ur "adv rti eme t thato e s n " :

(2) The placi g o fra es, borders on f m r(a) App opriate a pe son' name v i e,r s r s , o cl nks, or adv rt sing, fo you o o hersi e i r r t

photo raph or li eness; og k ranywhere on the Inte net wil not, byr li se f be considered the business ot l , f (b) Unrea onably pla es a pe son in as c radv rti ing "broadca ting" o publi h- fa se li ht ore s , s r s l g ;i g.n (3) In ri gem n of copyright, "tit e or "slo-f n e t l "

8. The fol owing repla e Paragraphl c s (2) of Ex gan" in your "a v rti eme t", prov ded- d e s n icl sionu n., Po l tion Relatedl u - , in Pa agraph that the claim is ma e or the "suit isr d "2. of SECT ON I COVE AGE COV R-I R S E brought by a person o organi ation thatr zAGE B PERSONAL AND ADVERTI INS G cla m owne ship of such copyrig t, "titlei s r h "INJU Y L ABIL TR I I Y: or "slogan".

(2) Cla m or sui by or on behalf o a gov rn-i t f e b. Incl de "bodily injury cause by one ou s " d rm n al authori y be ause o te ti g fo , mo e of the of e se t t c f s n r r f n e de cribed in Pa agraphs s rm n to ing, cleaning up, rem v ng, con-o i r o i a. abov .eta nin , trea ing, detox fyi g or neut ali -i g t i n r z "Broad a tin " mea s transm tt ng any audio oc s g n i i ri g, o i any way re pondi g to, o a -n r n s n r s v sual m terial fo any urpo e:i a r p sse sing the e fe t o , "pol utants".s f c s f l

a. By radio o telev sion; orr iE. AMEND EN O WHO IS AN IN UREDM T F S

b. In by o wit any o her e e troni mean o, r h t l c c s fThe fo lo ing rep a e the in roductory phra e ol w l c s t s f com uni at on such a the Inte net if tham c i , s r , tPa ag aphr r 2.a (1). of SECT O II WHO IS ANI N m te ial i pa t o :a r s r fINSU EDR :

(1) Ra io or telev sion programm ng beingd i i(1) "Bodi y inju y o "perso al in ury :l r " r n j " tra sm t edn i t ;

F AMEND EN O L MITS O NSU ANCE. M T F I F I R (2) Ot e entertai me t, educa ional, instruc-h r n n tThe fo lowing repla e Pa agraphl c s r 4. of SECTI NO tional music or news programm n being, i gII LI ITS OF INSURANCEI M : tra sm t ed orn i t ;

Su je t tob c 2. abov , the Personal a d Adv rti inge n e s (3) Adv rti ing transmi ted wi h any o suche s t t fIn ury Lim t i the mo t we wil pay unde Cov r- programj i s s l r e m ng.iage B for the sum of a l dam ge because o all a s f l

CG 4 71 01 5D 1 © 2015 The Travelers Indemnity Company. All rights reserved. Pa e 3 of 4gIncludes copyrighted material of nsurance Services OfI f ce, Inc. with its permis ion.i s


"Per o al in ury : goods, products o serv ce di paraged;s n j " r i s sora. Mea s inj ry, othe than "adv rti ing i jury ,n u r e s n "

(5) Ora or wri ten publi atio , incl ding pub-l t c n ucaused by one or more of the following of-l ca ion by ele tronic mea s, o m teriai t c n f a lfe se :n sthat:(1) Fa se arre t, detention or m ri onmen ;l s i p s t(a) Ap ropriate a pe son s name v i e,p s r ' , o c(2) Mal cious pro e utioni s c ; photo raph or li eness; og k r

(3) The wrongful ev ctio fro , wrongfu entryi n m l (b) Unrea onably pla es a pe son i as c r ni to, or inv sion o the ri ht o priv te o -n a f g f a c fa se i htl l g .cupancy o a room dwell ng or prem sef , i i s

b. In l de "bodi y injury cause by one oc u s l " d rthat a perso occupie , prov ded that then s im re o the o fe se de cribed in Pa agrapo f f n s s r hwrongf l ev ction wrongfu ent y o inv -u i , l r r aa. abov .esio o the righ o priv te occupancy isn f t f a

"Slo an":gcom i ted by or on behal o the owner,m t f fla dlo d or le so o that room dwell nn r s r f , i g a. Mea s a phra e that othe s use fo the pu -n s r r ror rem se ;p i s po e o at ra ting at ention in their adv rti -s f t c t e s

i g.n(4) Ora or wri ten publi atio , incl ding pub-l t c n ul ca ion by ele tronic mea s, o m teriai t c n f a l b. Doe no incl de a phrase used as, or in, thes t uthat slanders or li el a person or o gani name o :b s r - fza ion or di parage a person's or orga -t s s n (1) Any pe son o organi ation, other thanr r zi at on's goods, produ ts or se v ces,z i c r i y u; oroprov ded that the claim i made or thei s

(2) Any busine s, or a y o the prem se ,s n f i s"sui " is brought by a pe son or o ganiza-t r rgoods, products, serv ce or work, o anyi s f

tio hat laim to av been slandered orn t c s h e pe son or organiz tion, othe than you.r a rl beled, o that claim to hav had itsi r s e

"Ti le me n a nam o a ite ary or a ti ti work.t " a s e f l r r s c

Pa e 4 of 4g © 2015 The Travelers Indemnity Company. All rights reserved. CG 4 71 01 5D 1Includes copyrighted material of nsurance Services OfI f ce, Inc. with its permis ion.i s



OTHER INSURANCE ADDITIONAL INSUREDS



PROVI ONS b.SI The "personal injury" or "ad ert jury" forv ising inwhich co is sought arises out of an overage f-COMMERC GENERAL LIA TY CONDI ONSIAL BILI TIfense co m tedm it(Sect ), Paragraph ( ) ision ,IV 4. Other Insurance

amended as lows: subsequent to the signing and execut o thatfol ion fcontract or by youagreement .1. a. PrimaryThe fol is added to Paragraphlowing

Insura 2. (2) b. Ex-nce: The fi Subparagraph of Paragraphrstcess Insurance regarding any other pr mary in-iHowe i you speci ica y agree in a n-ver, f f ll written cosurance ava lable is deleted.i to youtract or written agree that the insurance pro-ment

3. b. ExcessThe fo lowing is added to Paragraphlv ded to an addit onal insured under thisi iInsurance , as an additional subparagraph underCo Part must apply on a primary basis, orverageSubparagraph :(1)a pri and non-contributory basis, this insur-mary

ance is pri ry to other insurance that is a aima v l- That is a lable to the insured when the insuredvaiable to such additional insured which co suchvers is added as an additional insured under any otheradditiona insured as a named insured, and wel policy inc ding any mbrel e, lu u la or xcess policy.will not share with that other insurance, providedthat:

a. The "bodily injur " or "property damage" forywhich co is sought occurs; andverage

CG D0 37 04 05 Copyright 2005 The . Pau Tra elers Co . l ts reserved. Page 1 o 1St l v mpanies, Inc Al righ f

CO MERCI GE LIAB TYM AL NERAL ILI

T S ENDORSEMENT NG S T . SE READ T CAREF Y.HI CHA E HE POLICY PLEA I ULL

AMENDMENT NON CUMULATION OF EACHOCCURRENCE LIMIT OF LIABILITY and

NON CUMULATION OF PERSONAL and ADVERTISINGINJURY LIMIT

T endorsem m i i ur ov ded under f l ihis ent odif es ns ance pr i the ol ow ng:

CO ERCIA ENERA ABI Y ERAG PARTMM L G L LI LIT COV E

1. 2.Paragraph 5 of SECTION III LIMITS OF INSUR- Paragraph 4 of SECTION III LIMITS OF INSUR-ANCE, s am to ncl he f owi ANCE, s am to ncl he f owii ended i ude t oll ng: i ended i ude t oll ng:

Non cum i of O urrence Lim t - If one Non cum ati of Personal and Adv ti i Li itulat on Each cc i - ul on er s ng m"oc e" causes "bodi y i ury" and/or "pr - I "personal i y" and/or " ert i y" icurrenc l nj op f njur adv ising njur sert dam dur t pol cy peri and duri sust ned by any one person or organi ion dury age" ing he i od ng ai zat -the cy od of m pri or ut i the pol cy peri and duri t poli peripoli peri one or ore or and/ f ure ng i od ng he cy odpol ies that i ude a c m al general l abi t of one or m pri and/ f ure pol ci thatic ncl om erci i li y ore or or ut i escov age part f the insured i sued by us or any i ude a c m al general li l y cover or s ncl om erci abi it erageaf i at i uranc com t am we wil part f the i ured i sued by us or any af i iatf li ed ns e pany, he ount l or ns s f l edpay i li it hi poli ’s E currenc Li it i urance com t am we wi l pay is m ed. T s cy ach Oc e m ns pany, he ount l swi be reduced by t am of each paym l i T pol cy’s Personal Inj and A ert -ll he ount ent im ted. his i ury dv ism by us and any af il ated i urance com i Inj Li it wi be reduc by the am ofade f i ns pany ng ury m ll ed ountunder the ot poli es because of such " - each pay ent m by us and any af il ated i -her ci occur m ade f i nrence" suranc com under t ot pol ci be-. e pany he her i es

cause of such "personal i ury" "adv ti inj and/or er s ngi y".njur

CG D2 9703 12 Copy ght, rav ers I ni Com 1997 P of 1ri T el ndem ty pany, age 1

COMMERCIAL GENERAL LIABILITY


BLANKET ADDITIONAL INSURED(CONTRACTORS OPERATIONS)


COMMERCIAL GENERAL LIABILITY COVERAGE PART

1. c)WHO IS AN INSURED (Section II) is amended The insurance provided to the additional in-to include any person or organization that you sured does not apply to "bodily injury" oragree in a "written contract requiring insurance" "property damage" caused by "your work"to include as an additional insured on this Cover- and included in the "products-completed op-age Part, but: erations hazard".

a) 3.Only with respect to liability for "bodily injury", The insurance provided to the additional insured"property damage" or "personal injury"; and by this endorsement is excess over any valid and

collectible "other insurance", whether primary,b) If, and only to the extent that, the injury orexcess, contingent or on any other basis, that isdamage is caused by acts or omissions ofavailable to the additional insured for a loss weyou or your subcontractor in the performancecover under this endorsement. However, if theof "your work" to which the "written contract"written contract requiring insurance" specificallyrequiring insurance" applies. The person orrequires that this insurance apply on a primaryorganization does not qualify as an additionalbasis or a primary and non-contributory basis,insured with respect to the independent actsthis insurance is primary to "other insurance"or omissions of such person or organization.available to the additional insured which covers

2. The insurance provided to the additional insured that person or organization as a named insuredby this endorsement is limited as follows: for such loss, and we will not share with that

"other insurance". But the insurance provided toa) In the event that the Limits of Insurance ofthe additional insured by this endorsement still isthis Coverage Part shown in the Declarationsexcess over any valid and collectible "other in-exceed the limits of liability required by thesurance", whether primary, excess, contingent or"written contract requiring insurance", the in-on any other basis, that is available to the addi-surance provided to the additional insuredtional insured when that person or organization isshall be limited to the limits of liability re-an additional insured under such "other insur-quired by that "written contract requiring in-ance".surance". This endorsement shall not in-

crease the limits of insurance described in 4. As a condition of coverage provided to theSection Limits Of Insurance.III additional insured by this endorsement:

b) The insurance provided to the additional in- a) The additional insured must give us writtensured does not apply to "bodily injury", "prop- notice as soon as practicable of an "occur-erty damage" or "personal injury" arising out rence" or an offense which may result in aof the rendering of, or failure to render, any claim. To the extent possible, such noticeprofessional architectural, engineering or sur- should include:veying services, including:

i. How, when and where the "occurrence"i. The preparing, approving, or failing to or offense took place;

prepare or approve, maps, shop draw-ii. The names and addresses of any injuredings, opinions, reports, surveys, field or-

persons and witnesses; andders or change orders, or the preparing,iii. The nature and location of any injury orapproving, or failing to prepare or ap-

damage arising out of the "occurrence" orprove, drawings and specifications; andoffense.ii. Supervisory, inspection, architectural or

engineering activities.

CG D2 48 08 05 2005 The St. Paul Travelers Companies, Inc. Page 1 of 2


ance provided to the additional insured byb) If a claim is made or "suit" is brought againstthis endorsement is primary to "other insur-the additional insured, the additional insuredance" available to the additional insuredmust:which covers that person or organization as ai. Immediately record the specifics of thenamed insured as described in paragraph 3.claim or "suit" and the date received; andabove.

ii. Notify us as soon as practicable.5. The following definition is added to SECTION V.

The additional insured must see to it that we DEFINITIONS:receive written notice of the claim or "suit" as

"Written contract requiring insurance" meanssoon as practicable.that part of any written contract or agreement

c) The additional insured must immediately under which you are required to include asend us copies of all legal papers received in person or organization as an additional in-connection with the claim or "suit", cooperate sured on this Coverage Part, provided thatwith us in the investigation or settlement of the "bodily injury" and "property damage" oc-the claim or defense against the "suit", and curs and the "personal injury" is caused by anotherwise comply with all policy conditions. offense committed:

d) The additional insured must tender the de- a. After the signing and execution of thefense and indemnity of any claim or "suit" to contract or agreement by you;any provider of "other insurance" which would

b. While that part of the contract orcover the additional insured for a loss weagreement is in effect; andcover under this endorsement. However, this

c. Before the end of the policy period.condition does not affect whether the insur-

Page 2 of 2 2005 The St. Paul Travelers Companies, Inc. CG D2 48 08 05

COMMERC GENERAL L LIAL IABI ITY


AMENDMENT OF COVERAGE POLLUTION COOLING,DEHUMIDIFYING AND WATER HEATING EQUIPMENT

EXCEPTION



PROVI ONSSI

The fol replaces Paragraph o E lusio , , in Paragraph olowing f xc n f(1)(a)(i) f. P lut n 2. SEC ION I COV R-ol io T EAGES COV Y INJURY ER IABILI YERAGE A BODIL AND PROP TY DAMAGE L T :

(i) "Bodi in " i sustained within a build and caused by smoke, fu or soot produced by or origi-ly jury f ing mes, vapornating fro equip tha is used to heat, cool or dehum f the bui or equip is used to heatm ment t idi y lding, ment thatwater for personal use, by lding's occupants or tthe bui heir guests;

CG D4 13 04 08 Page 1 o2008 The Travelers Companies, Inc. f 1Includes the copyrighted material of Insurance Services Office, Inc. with its permission.



XTEND ENDORSEMENT FOR COMMERCIAL INDUSTRIES



GENERAL DESCRIPTION OF COVERAGE This endorsement broadens coverage. However, coverage for anyinjury, damage or medical expenses described in any of the provisions of this endorsement may be excluded orlimited by another endorsement to this Coverage Part, and these coverage broadening provisions do not apply tothe extent that coverage is excluded or limited by such an endorsement. The following listing is a general cover-age description only. Limitations and exclusions may apply to these coverages. Read all the provisions of this en-dorsement and the rest of your policy carefully to determine rights, duties, and what is and is not covered.

A. Broadened Named Insured J. Bodily Injury To Co-Employees And Co-VolunteerWorkersB. Blanket Additional Insured Broad Form Vendors

C. Damage To Premises Rented To You K. Aircraft Chartered With Crew

Perils of fire, explosion, lightning, smoke, L. Non-Owned Watercraft Increased From 25 Feetwater To 50 Feet

Limit increased to $300,000 M. Increased Supplementary Payments

D. Blanket Waiver Of Subrogation Cost of bail bonds increased to $2,500E. Blanket Additional Insured Owners, Managers Loss of earnings increased to $500 per day

Or Lessors Of PremisesN. Medical Payments - Increased Limit

F. Blanket Additional Insured Lessors Of LeasedO. Knowledge And Notice Of Occurrence Or OffenseEquipment

G. Incidental Medical Malpractice P. Unintentional Omission

H. Personal Injury Assumed By Contract Q. Reasonable Force Bodily Injury Or PropertyDamageI. Amended Bodily Injury Definition

PROVISIONS B. BLANKET ADDITIONAL INSURED BROADFORM VENDORSA. BROADENED NAMED INSUREDThe following is added to SECTION II WHO IS1. The following is added to SECTION II WHOAN INSURED:IS AN INSURED:Any person or organization that is a vendor andAny organization, other than a partnership orthat you have agreed in a written contract orjoint venture, over which you maintain owner-agreement to include as an additional insured onship or majority interest on the effective date

of the policy qualifies as a Named Insured. this Coverage Part is an insured, but only with re-However, coverage for any such organization spect to liability for “bodily injury” or “propertywill cease as of the date during the policy pe- damage” that:riod that you no longer maintain ownership of,

a. Is caused by an “occurrence” that takes placeor majority interest in, such organization.after you have signed and executed that con-

2. The following replaces Paragraph 4.a. of tract or agreement; andSECTION II WHO IS AN INSURED:

b. Arises out of “your products” which are dis-a. Coverage under this provision is afforded tributed or sold in the regular course of such

only until the 180th day after you acquire vendor's business.or form the organization or the end of theThe insurance provided to such vendor is subjectpolicy period, whichever is earlier, unlessto the following provisions:reported in writing to us within 180 days.

CG D4 58 07 13 © 2013 The Travelers Indemnity Company. All rights reserved. Page 1 of 7Includes copyrighted material of Insurance Services Office, Inc. with its permission.


JURY AND PROPERTY DAMAGE LIABIL-a. The limits of insurance provided to such ven-ITY:dor will be the limits which you agreed to pro-

vide in the written contract or agreement, or Exclusions c. through n. do not apply to dam-the limits shown in the Declarations of this age to premises while rented to you, or tem-Coverage Part, whichever are less. porarily occupied by you with permission of

the owner, caused by:b. The insurance provided to such vendor doesnot apply to: a. Fire;(1) “Bodily injury” or “property damage” for b. Explosion;

which the vendor is obligated to payc. Lightning;damages by reason of the assumption ofd. Smoke resulting from such fire, explosion,liability in a contract or agreement. This

or lightning; orexclusion does not apply to liability fordamages that the vendor would have in e. Water.the absence of the contract or agreement;

A separate limit of insurance applies to such(2) Any express warranty unauthorized by damage to premises as described in Para-

you; graph 6. of Section III Limits Of Insurance.(3) Any physical or chemical change in “your This insurance does not apply to damage to

products” made intentionally by such premises while rented to you, or temporarilyvendor; occupied by you with permission of the

owner, caused by:(4) Repackaging, unless unpacked solely forthe purpose of inspection, demonstration, a. Rupture, bursting, or operation of pres-testing, or the substitution of parts under sure relief devices;instructions from the manufacturer, and

b. Rupture or bursting due to expansion orthen repackaged in the original container;swelling of the contents of any building or

(5) Any failure to make such inspections, ad- structure, caused by or resulting from wa-justments, tests or servicing as vendors ter;agree to perform or normally undertake to

c. Explosion of steam boilers, steam pipes,perform in the regular course of business,steam engines, or steam turbines.in connection with the distribution or sale

2. The following replaces Paragraph 6. of SEC-of “your products”;TION III LIMITS OF INSURANCE:(6) Demonstration, installation, servicing or

repair operations, except such operations Subject to 5. above, the Damage To Prem-performed at such vendor's premises in ises Rented To You Limit is the most we willconnection with the sale of “your prod- pay under Coverage A for damages becauseucts”; or of “property damage” to any one premises

while rented to you, or temporarily occupied(7) “Your products” which, after distribution orby you with permission of the owner, causedsale by you, have been labeled or rela-

beled or used as a container, part or in- by fire; explosion; lightning smoke resultinggredient of any other thing or substance from such fire, explosion, or lightning; or wa-by or for such vendor. ter. The Damage To Premises Rented To

You Limit will apply to all damage proximatelyCoverage under this provision does not apply to:caused by the same “occurrence”, whether

a. Any person or organization from whom you such damage results from fire; explosion;have acquired “your products”, or any ingre-lightning; smoke resulting from such fire, ex-dient, part or container entering into, accom-plosion, or lightning; water; or any combina-panying or containing such products; ortion of any of these.

b. Any vendor for which coverage as an addi-The Damage To Premises Rented To Youtional insured specifically is scheduled by en-Limit will be the higher of:dorsement.a. $300,000; orC. DAMAGE TO PREMISES RENTED TO YOUb. The amount shown on the Declarations of1. The following replaces the last paragraph of

this Coverage Part for Damage To Prem-Paragraph 2., Exclusions , of SECTION Iises Rented To You Limit.COVERAGES COVERAGE A BODILY IN-

Page 2 of 7 © 2013 The Travelers Indemnity Company. All rights reserved. CG D4 58 07 13Includes copyrighted material of Insurance Services Office, Inc. with its permission.


3. The following replaces Paragraph a. of the a. Is “bodily injury” or “property damage” causeddefinition of “insured contract” in the DEFINI- by an “occurrence” that takes place, or “per-

sonal injury” or “advertising injury” caused byTIONS Section:an offense that is committed, after you havea. A contract for a lease of premises. How-signed and executed that contract or agree-ever, that portion of the contract for ament; andlease of premises that indemnifies any

b. Arises out of the ownership, maintenance orperson or organization for damage touse of that part of any premises leased topremises while rented to you, or tempo-you.rarily occupied by you with permission of

the owner, caused by: The insurance provided to such premises owner,manager or lessor is subject to the following pro-(1) Fire;visions:

(2) Explosion;a. The limits of insurance provided to such

(3) Lightning; premises owner, manager or lessor will bethe limits which you agreed to provide in the(4) Smoke resulting from such fire, ex-written contract or agreement, or the limitsplosion, or lightning; orshown on the Declarations of this Coverage

(5) Water. Part, whichever are less.is not an “insured contract”; b. The insurance provided to such premises

owner, manager or lessor does not apply to:4. The following replaces Paragraph 4.b.(1)(b)of SECTION IV COMMERCIAL GENERAL (1) “Bodily injury” or “property damage”LIABILITY CONDITIONS: caused by an “occurrence” that takes

place, or “personal injury” or “advertising(b) That is insurance for premises rented toinjury” caused by an offense that is com-you, or temporarily occupied by you withmitted, after you cease to be a tenant inthe permission of the owner;that premises; or

D. BLANKET WAIVER OF SUBROGATION(2) Structural alterations, new construction or

The following is added to Paragraph 8., Transfer demolition operations performed by or onOf Rights Of Recovery Against Others To Us, behalf of such premises owner, managerof SECTION IV COMMERCIAL GENERAL LI- or lessor.ABILITY CONDITIONS:

c. The insurance provided to such premisesWe waive any right of recovery we may have owner, manager or lessor is excess over anyagainst any person or organization because of valid and collectible other insurance availablepayments we make for injury or damage arising to such premises owner, manager or lessor,out of premises owned or occupied by or rented unless you have agreed in a written contract

for this insurance to apply on a primary oror loaned to you; ongoing operations performedcontributory basis.by you or on your behalf, done under a contract

with that person or organization; “your work”; or F. BLANKET ADDITIONAL INSURED LESSORS“your products”. We waive this right where you OF LEASED EQUIPMENThave agreed to do so as part of a written contract, The following is added to SECTION II WHO ISexecuted by you prior to loss. AN INSURED:

E. BLANKET ADDITIONAL INSURED OWNERS, Any person or organization that is an equipmentMANAGERS OR LESSORS OF PREMISES lessor and that you have agreed in a written con-

tract or agreement to include as an additional in-The following is added to SECTION II WHO ISsured on this Coverage Part is an insured, butAN INSURED:only with respect to liability for “bodily injury”,Any person or organization that is a premises“property damage”, “personal injury” or “advertis-

owner, manager or lessor and that you have ing injury” that:agreed in a written contract or agreement to

a. Is “bodily injury” or “property damage” causedname as an additional insured on this Coverageby an “occurrence” that takes place, or “per-Part is an insured, but only with respect to liabilitysonal injury” or “advertising injury” caused byfor “bodily injury”, “property damage”, “personalan offense that is committed, after you haveinjury” or “advertising injury” that:



3. The following is added to Paragraph 2.a.(1) ofsigned and executed that contract or agree-SECTION II WHO IS AN INSURED:ment; andUnless you are in the business or occupationb. Is caused, in whole or in part, by your acts orof providing professional health care services,omissions in the maintenance, operation orParagraphs (1)(a), (b), (c) and (d) above douse by you of equipment leased to you bynot apply to any “bodily injury” arising out ofsuch equipment lessor.any providing or failing to provide “incidental

The insurance provided to such equipment lessor medical services” by any of your “employees”,is subject to the following provisions: other than an employed doctor. Any such

“employees” providing or failing to providea. The limits of insurance provided to such“incidental medical services” during their workequipment lessor will be the limits which youhours for you will be deemed to be actingagreed to provide in the written contract orwithin the scope of their employment by youagreement, or the limits shown on the Decla-or performing duties related to the conduct ofrations of this Coverage Part, whichever areyour business.less.

4. The following exclusion is added to Para-b. The insurance provided to such equipmentgraph 2., Exclusions , of SECTION I COV-lessor does not apply to any “bodily injury” orERAGES COVERAGE A BODILY INJURY“property damage” caused by an “occurrence” AND PROPERTY DAMAGE LIABILITY :

that takes place, or “personal injury” or “ad-Sale Of Pharmaceuticalsvertising injury” caused by an offense that is

committed, after the equipment lease expires. “Bodily injury” or “property damage” arisingout of the willful violation of a penal statute orc. The insurance provided to such equipmentordinance relating to the sale of pharmaceuti-lessor is excess over any valid and collectiblecals committed by, or with the knowledge orother insurance available to such equipmentconsent of, the insured.lessor, unless you have agreed in a written

5. The following is added to Paragraph 5. ofcontract for this insurance to apply on a pri-SECTION III LIMITS OF INSURANCE:mary or contributory basis.For the purposes of determining the applica-G. INCIDENTAL MEDICAL MALPRACTICEble Each Occurrence Limit, all related acts or

1. The following is added to the definition of “oc- omissions committed in the providing or fail-currence” in the DEFINITIONS Section: ing to provide “incidental medical services” to

any one person will be considered one “oc-Unless you are in the business or occupationcurrence”.of providing professional health care services,

“occurrence” also means an act or omission 6. The following is added to Paragraph 4.b., Ex-committed in providing or failing to provide cess Insurance , of SECTION IV COM-“incidental medical services” to a person. MERCIAL GENERAL LIABILITY CONDI-

TIONS:2. The following is added to the DEFINITIONSSection: This insurance is excess over any valid and

collectible other insurance, whether primary,“Incidental medical services” means:excess, contingent or on any other basis, that

a. Medical, surgical, dental, laboratory, x-ray is available to any of your “employees” foror nursing service or treatment, advice or “bodily injury” that arises out of providing orinstruction, or the related furnishing of failing to provide “incidental medical services”food or beverages; to any person to the extent not subject to

Paragraph 2.a.(1) of SECTION II WHO ISb. The furnishing or dispensing of drugs orAN INSURED.medical, dental, or surgical supplies or

H. PERSONAL INJURY ASSUMED BY CON-appliances;TRACTc. First aid; or1. The following replaces Exclusion e., Contrac-d. “Good Samaritan services”.

tual Liability , in Paragraph 2. of SECTION I“Good Samaritan services” means any emer- COVERAGES COVERAGE B PER-gency medical services for which no compen- SONAL AND ADVERTISING INJURY LI-sation is demanded or received. ABILITY :



e. Contractual Liability the insured and the interests of the in-demnitee;“Personal injury” or “advertising injury” for

which the insured is obligated to pay 4. The following replaces the first subparagraphof Paragraph f. of the definition of “insureddamages by reason of the assumption ofcontract” in the DEFINITIONS Section:liability in a contract or agreement. This

exclusion does not apply to: f. That part of any other contract or agree-ment pertaining to your business (includ-(1) Liability for damages that the insureding an indemnification of a municipality inwould have in the absence of theconnection with work performed for acontract or agreement; ormunicipality) under which you assume the

(2) Liability for damages because of tort liability of another party to pay for“personal injury” assumed in a con- “bodily injury,” “property damage” or “per-tract or agreement that is an “insured sonal injury” to a third person or organiza-contract”, provided that the “personal tion. Tort liability means a liability thatinjury” is caused by an offense com- would be imposed by law in the absencemitted subsequent to the execution of of any contract or agreement.the contract or agreement. Solely for I. AMENDED BODILY INJURY DEFINITIONthe purposes of liability assumed in

The following replaces the definition of “bodily in-an “insured contract”, reasonable at-jury” in the DEFINITIONS Section:torneys fees and necessary litigation

expenses incurred by or for a party “Bodily injury” means bodily injury, mental an-other than an insured will be deemed guish, mental injury, shock, fright, disability, hu-

miliation, sickness or disease sustained by a per-to be damages because of “personalson, including death resulting from any of these atinjury”, provided that:any time.(a) Liability to such party for, or for

J. BODILY INJURY TO CO-EMPLOYEES ANDthe cost of, that party's defenseCO-VOLUNTEER WORKERShas also been assumed in the

same “insured contract”; and The following is added to Paragraph 2.a.(1) ofSECTION II WHO IS AN INSURED:(b) Such attorney fees and litigation

expenses are for defense of that Paragraph (1)(a) above does not apply to “bodilyinjury” to a co-”employee” in the course of the co-party against a civil or alternative”employee's” employment by you or performingdispute resolution proceeding induties related to the conduct of your business, orwhich damages to which this in-to “bodily injury” to your other “volunteer workers”surance applies are alleged.while performing duties related to the conduct of

2. The following replaces the third sentence of your business.Paragraph 2. of SUPPLEMENTARY PAY-

K. AIRCRAFT CHARTERED WITH CREWMENTS COVERAGES A AND B:The following is added to Exclusion g., Aircraft,Notwithstanding the provisions of ParagraphAuto Or Watercraft, in Paragraph 2. of SECTION2.b.(2) of Section I Coverage A Bodily In- I COVERAGES COVERAGE A BODILY IN-

jury And Property Damage Liability or Para- JURY AND PROPERTY DAMAGE LIABILITY :graph 2.e. of Section I Coverage B Per-

This exclusion does not apply to an aircraft thatsonal and Advertising Injury Liability, suchis:payments will not be deemed to be damages(a) Chartered with crew to any insured;because of “bodily injury”, “property damage”

or “personal injury”, and will not reduce the (b) Not owned by any insured; andlimits of insurance. (c) Not being used to carry any person or prop-

erty for a charge.3. The following replaces Paragraph 2.d. ofSUPPLEMENTARY PAYMENTS COVER- L. NON-OWNED WATERCRAFTAGES A AND B:

1. The following replaces Paragraph (2) of Ex-d. The allegations in the “suit” and the in- clusion g., Aircraft, Auto Or Watercraft , in

formation we know about the “occur- Paragraph 2. of SECTION I COVERAGESrence” or offense are such that no conflict COVERAGE A BODILY INJURY ANDappears to exist between the interests of PROPERTY DAMAGE LIABILITY :



(2) A watercraft you do not own that is: e. The following provisions apply to Paragrapha. above, but only for the purposes of the in-(a) Fifty feet long or less; andsurance provided under this Coverage Part to

(b) Not being used to carry any person or you or any insured listed in Paragraph 1. or 2.property for a charge. of Section II Who Is An Insured:

2. The following is added to Paragraph 2. of (1) Notice to us of such “occurrence” or of-SECTION II WHO IS AN INSURED:fense must be given as soon as practica-

Any person or organization that, with your ex- ble only after the “occurrence” or offensepress or implied consent, either uses or is re- is known to you (if you are an individual),sponsible for the use of a watercraft that you any of your partners or members who isdo not own that is: an individual (if you are a partnership or(1) Fifty feet long or less; and joint venture), any of your managers who

is an individual (if you are a limited liability(2) Not being used to carry any person orcompany), any of your trustees who is anproperty for a charge.individual (if you are a trust), any of your

M. INCREASED SUPPLEMENTARY PAYMENTS “executive officers” or directors (if you are1. The following replaces Paragraph 1.b. of an organization other than a partnership,

SUPPLEMENTARY PAYMENTS COVER- joint venture, limited liability company orAGES A AND B of SECTION I COVER- trust) or any “employee” authorized byAGES: you to give notice of an “occurrence” orb. Up to $2,500 for cost of bail bonds re- offense.

quired because of accidents or traffic law (2) If you are a partnership, joint venture, lim-violations arising out of the use of any ited liability company or trust, and none ofvehicle to which the Bodily Injury Liability your partners, joint venture members,Coverage applies. We do not have to fur-

managers or trustees are individuals, no-nish these bonds.tice to us of such “occurrence” or offense

2. The following replaces Paragraph 1.d. of must be given as soon as practicable onlySUPPLEMENTARY PAYMENTS COVER- after the “occurrence” or offense is knownAGES A AND B of SECTION I COVER- by:AGES:

(a) Any individual who is:d. All reasonable expenses incurred by the

(i) A partner or member of any part-insured at our request to assist us in thenership or joint venture;investigation or defense of the claim or

“suit”, including actual loss of earnings up (ii) A manager of any limited liabilityto $500 a day because of time off from company;work. (iii) A trustee of any trust; or

N. MEDICAL PAYMENTS INCREASED LIMIT(iv) An executive officer or director of

The following replaces Paragraph 7. of SECTION any other organization;III LIMITS OF INSURANCE:

that is your partner, joint venture7. Subject to 5. above, the Medical Expense member, manager or trustee; or

Limit is the most we will pay under Coverage(b) Any “employee” authorized by suchC. for all medical expenses because of “bod-

partnership, joint venture, limited li-ily injury” sustained by any one person, andability company, trust or other organi-will be the higher of:zation to give notice of an “occur-(a) $10,000; orrence” or of ense.f

(b) The amount shown on the Declarations of(3) Notice to us of such “occurrence” or of-this Coverage Part for Medical Expense

fense will be deemed to be given as soonLimit.as practicable if it is given in good faith as

O. KNOWLEDGE AND NOTICE OF OCCUR- soon as practicable to your workers'RENCE OR OFFENSE compensation insurer. This applies only if

you subsequently give notice to us of theThe following is added to Paragraph 2., Duties In“occurrence” or offense as soon as prac-The Event of Occurrence, Offense, Claim orticable after any of the persons describedSuit , of SECTION IV COMMERCIAL GEN-in Paragraphs e.(1) or (2) above discov-ERAL LIABILITY CONDITIONS:



ers that the “occurrence” or offense may your rights under this insurance. However, thisresult in sums to which the insurance provision does not affect our right to collect addi-provided under this Coverage Part may tional premium or to exercise our rights of cancel-apply. lation or nonrenewal in accordance with applica-

However, if this policy includes an endorse- ble insurance laws or regulations.ment that provides limited coverage for “bod-

Q. REASONABLE FORCE BODILY INJURY ORily injury” or “property damage” or pollutionPROPERTY DAMAGEcosts arising out of a discharge, release or

escape of “pollutants” which contains a re- The following replaces Exclusion a., Expected Orquirement that the discharge, release or es- Intended Injury, in Paragraph 2. of SECTION Icape of “pollutants” must be reported to us COVERAGES COVERAGE A BODILY IN-within a specific number of days after its JURY AND PROPERTY DAMAGE LIABILITY :abrupt commencement, this Paragraph e.

a. Expected or Intended Injury or Damagedoes not affect that requirement.“Bodily injury” or “property damage” expectedP. UNINTENTIONAL OMISSIONor intended from the standpoint of the in-The following is added to Paragraph 6., Repre-sured. This exclusion does not apply to “bod-sentations , of SECTION IV COMMERCIALily injury” or “property damage” resulting fromGENERAL LIABILITY CONDITIONS:the use of reasonable force to protect any

The unintentional omission of, or unintentional er- person or property.ror in, any information provided by you which werelied upon in issuing this policy will not prejudice



THIS ENDORSEMENT CHA ASE READ IT CAREFULLY.NGES THE POLICY. PLE

AMENDMENT OF COVERAGE PROPERTY DAMAGE


COMMERC GENERAL L ITY VERA AIAL IABIL CO GE P RTO NER AND C ACT OT IVE L LITY C AGE TW S ONTR ORS PR ECT IABI OVER PAR

PROVI ONSSI to occur at the ti o the "occurrence" thatme fcaused it.The de ini o "propert da inf tion f y mage" SEC ION VT

DEFINI IT ONS is deleted in its entirety and replaced "Property da does not inc loss of or damage" lude m-by the l age to "ele troni medfo lowing: c c ia and records".

"Property da means:mage" As used in this de ini "e c med andf tion, lectroni iarecords" means:a. Physical in to tangib property includ aljury le , ing l

resulting loss of use of that property. A such loss Elect data processing, recording or storagell ronica.med such as f l iscs drums or ceia i ms, tapes, d , lls;of use shall be deemed to occur at the t me o thei f

physical that orinjury caused it; b. Data stored on such media; orb. Loss of use of tangib property that is not physi-le c. Program ing records for electron data process-m ic

call jured. Al s of use shall be deemedy in l such los ing or e ical co tro led equiplectron ly n l ment.




EMPLOYMENT-RELATED PRACTICES EXCLUSION

This endorsement i ies insurance pro ided under the lmod f v fo lowing:

COMMERC GENERAL L ITY VERA ARTIAL IABIL CO GE P

A. 2. B. 2.The fo e lusion is added to Paragraph , The fo e lusion is added to Paragraph ,llowing xc llowing xcExclusi Sect n I C A Bod Exclusi Sect n I C B Pe -ons io overage ily ons io overage ro of fInj Pro iab ity sonal And Advertisin In Lia lityury And perty Damage L il g jury bi: :

This insurance does not apply to This insurance does not apply to: :

"Bodi injur to: "Personal in to:ly y" jury"

(1) (1)A person arising out o any: A person arising out o any:f f

(a) (a)Refusal mp person; Refusal mp person;to e loy that to e loy that

(b) (b)Ter ination o that person's employ ; Ter ination o that person's employ ;m f ment m f mentor or

(c) (c)E ment ted pract pol ies, E ment ted pract pol ies,mploy -rela ices, ic mploy -rela ices, icacts or o such as coercion, de acts or o such as coercion, demissions, - missions, -mo e aluat reassignment, d i- mo e aluat reassignment, d i-tion, v ion, isc tion, v ion, iscpline, de mat harassment, hu l a- pline, de mat harassment, hu l a-fa ion, mi i fa ion, mi ition or discri ina d ted at that tion or discri ina d ted at thatm tion irec m tion irecperson; or person; or

(2) (2)The spouse, chi parent brother or sister o The spouse, chi parent brother or sister old, , f ld, , fthat person as a consequence of "bodi in that person as a consequence of "personally -jury" to that person at whom any o the e - injury to that person at whom any o the e -f m " f mploy lated prac described in Para- ploy lated prac described in Para-ment-re tices ment-re ticesgraphs , , abo is direc graphs , , abo is direc(a) (b) (c) (a) (b) (c)or ve ted. or ve ted.

This e lusion applies: This e lusion applies:xc xc

(1) (1)W ther the insured may be l as an e - W ther the insured may be l as an e -he iable m he iable mployer or other capac ; and ployer or other capac ; andin any ity in any ity

(2) (2)To any obl ion to share damages with or To any obl ion to share damages with origat igatrepay someone else who must pay da repay someone else who must pay damages magesbecause of injur because of injurthe y. the y.

CG D2 88 11 03 Copyright, Tra elers Inde ity mpany, 2003 Page 1 oThe v mn Co f 1Includes copyrighted ter o Insurance Ser ices O f ce, , with m ssion.ma ial f v f i Inc. its per i

COMMERCIAL GENERAL LIABIL TYI


EXCLUSION UNSOLICITED COMMUNICATION



PROVISIONS COVERAGE B PERSONAL AND ADVERTISINGINJURY LIABILITY :1. The following exclusion is added to Paragraph 2.,

Exclusions , of SECTION I COVERAGES Unsolicited CommunicationCOVERAGE A BODILY INJURY AND PROP- "Personal injury" or "advertising injury" arising outERTY DAMAGE LIABILITY : of any actual or alleged violation of any law thatUnsolicited Communication restricts or prohibits the sending, transmitting or

distributing of "unsolicited communication"."Bodily injury" or "property damage" arising out of3. The following is added to the DEFINITIONS Sec-any actual or alleged violation of any law that re-

stricts or prohibits the sending, transmitting or dis- tion:tributing of "unsolicited communication". "Unsolicited communication" means any commu-

nication, in any form, that the recipient of such2. The following exclusion is added to Paragraph 2.,Exclusions , of SECTION I COVERAGES communication did not specifically request to re-

ceive.




MOBILE EQUIPMENT REDEFINEDEXCLUSION OF VEHICLES SUBJECT TO MOTOR

VEHICLE LAWS



PROVISIONS 2. "Auto" means:

1. The following replaces Paragraph (5) of Exclusion a. A land motor vehicle, trailer or semitrailerg., Aircraft, Auto Or Watercraft , in Paragraph 2. designed for travel on public roads, in-of SECTION I COVERAGES COVERAGE A. cluding any attached machinery orBODILY INJURY AND PROPERTY DAMAGE equipment; orLIABILITY :

b. Any other land vehicle that is subject to a(5) "Bodily injury" or "property damage" arising compulsory or financial responsibility law,

out of: or other motor vehicle insurance law,(a) The operation of machinery or equipment where it is licensed or principally garaged.

that is attached to, or part of, a land vehi- However, "auto" does not include "mobilecle that would qualify as "mobile equip- equipment".ment" under the definition of "mobile

3. The following is added as to the definition of "mo-equipment" if such land vehicle were notbile equipment" in the DEFINITIONS Section:subject to a compulsory or financial re-

sponsibility law, or other motor vehicle in- However, "mobile equipment" does not in-surance law, where it is licensed or prin- clude any land vehicle that is subject to acipally garaged; or compulsory or financial responsibility law, or

(b) The operation of any of the machinery or other motor vehicle insurance law, where it isequipment listed in Paragraph f.(2) or licensed or principally garaged. Such landf.(3) of the definition of "mobile equip- vehicles are considered "autos".ment".

4. Paragraph 3. of SECTION II WHO IS AN IN-2. The following replaces the definition of "auto" in SURED is deleted.

the DEFINITIONS Section:


COMMERC AL IABILI GENERAL L ITY


AMENDMENT OF CONTRACTUAL LIABILITY EXCLUSIONEXCEPTION FOR DAMAGES ASSUMED IN AN INSURED

CONTRACT APPLIES ONLY TO NAMED INSURED

This endorsement i ies insurance pro ided under t fol ing:mod f v he low


PROVI ONSSI a. The "suit" against the inde tee seeksmnidamages for which you ha assumedve1. (2)The fo lowing replaces Paragraph of E lusionl xcthe l l o inde itee in a contractiabi ity f the mnb. Co Lia lity 2., , in Paragraph ontractual bi for agreement that is an " con-insuredSEC ON I COVERAGES COVERAGE ATItract";BODIL INJURY AND PROPERT DAMAGEY Y

b. This insurance applies to such liab li as-i tyLIABILI YT :sumed by you;(2) Assumed by you in a contrac or agreet ment

c. The obl ion to de or the cost oigat fend, fthat is an " contract", pro i that theinsured v dedthe defense of, that inde tee has alsomni"bodily in " or "property da " occursjury magebeen assumed by you in the same "in-subsequent to the execut f the contract orion osured contract";agreement. So for the purposes of l llely iabi ity

assumed by you in an " contract", rea-insured d. The al ions in the "sui " and the in-legat tsonable attorney fees and necessary lit gati ion for at we know about the "occur-m ionexpenses incurred by or for a party other than rence" or of are such that we de-fensean insured will be dee to be damed mages ter tha no conf ict e ists betweenmine t l xbecause of "bod in " or "property daily jury m- your interests and the interests of the in-age", pro idedv that: demnitee;(a) Liabi ty to such party for, or for the costli e. You and the indemn ask us to con-itee

of that party's defense has also been as-, duct and contro the de of that in-l fensesumed by you in the same "insured con- demn against such "suit" and agreeiteetract"; and that we can assign the same counsel to

defend you and mn andthe inde itee;(b) Such attorney fees and li tion etiga x-penses are for defense of that party 3. The fol replaces the last sentence oflowingagainst a ci i or a i e d reso-v l lternat v ispute Paragraph of2. SUPP TARY PAY-LEMENlut proceeding in which da toion mages MEN COVERAGES A AND B SEC-TS ofwhich this insurance applies are alleged. T ON I CI OVERAGES:

2. The fo lowing replaces the beginning of Para-l Our obl to de your inde itee andigation fend mngraph , and Paragraphs , , , and , of2. 2.a. b. c. d e.. to pay attorneys' fees and necessary li a-for tigSUPPLE TARY PAYMEN C R-MEN TS OVE tion expenses as Supplementary PaymentsAGES A AND B SEC I I C RAGESof :T ON OVE ends when:2. I we defend you against a "suit" and your in-f a. W ha e used up the appl l m oe v icable i it f

demn is also named as a party to theitee insurance in the paymen o judgment f ts,"suit", we wil ha the r and dut to de-l ve ight y settle medi e s; orments or cal xpensefend that indemn i al o the folitee f l f lowing

b. The condit set forth abo e, or theions vcondit t:ions are meter of the agreement described inmsParagraph abo , are no mef. ve longer t.

CG D4 21 07 08 © 2008 The Travelers Companies, Inc. Page 1 of 1Includes the copyrighted material of Insurance Services Office, Inc. with its permission.



EXCLUSION VIOLATION OF CONSUMER FINANCIALPROTECTION LAWS



"Consumer financial identity information" meansPROVISIONSany of the following information for a person that1. The following exclusion is added to Paragraphis used or collected for the purpose of serving2., Exclusions , of SECTION I COVERAGESas a factor in establishing such person's eligibil-COVERAGE A BODILY INJURY ANDity for personal credit, insurance or employment,PROPERTY DAMAGE LIABILITY :or for the purpose of conducting a business

Violation Of Consumer Financial Protection transaction:Laws

a. Part or all of the account number, the expi-"Bodily injury" or "property damage" arising out ration date or the balance of any credit,of any actual or alleged violation of a "consumer debit, bank or other financial account.financial protection law", or any other "bodily in-

b. Information bearing on a person's creditjury" or "property damage" alleged in any claimworthiness, credit standing or credit capac-or "suit" that also alleges any such violation.ity.

2. The following exclusion is added to Paragraphc. Social security number.2., Exclusions , of SECTION I COVERAGES

COVERAGE B PERSONAL AND ADVER- d. Drivers license number.TISING INJURY LIABILITY : e. Birth date.Violation Of Consumer Financial Protection "Consumer financial protection law" means:Laws

a. The Fair Credit Reporting Act (FCRA) and"Personal injury" or "advertising injury" arising any of its amendments, including the Fairout of any actual or alleged violation of a "con- and Accurate Credit Transactions Actsumer financial protection law", or any other (FACTA);"personal injury" or "advertising injury" alleged in

b. California's Song-Beverly Credit Card Actany claim or "suit" that also alleges any suchand any of its amendments; orviolation.

c. Any other law or regulation that restricts or3. The following is added to the DEFINITIONSprohibits the collection, dissemination,Section:transmission, distribution or use of "con-sumer financial identity information".

CG D6 18 10 11 © 2011 The Travelers Indemnity Company. All rights reserved. Page 1 of 1



EXCLUSION FAILURE TO SUPPLY



The following exclusion is added to Paragraph 2., Ex- This exclusion does not apply if the failure to supplyclusions , of SECTION I COVERAGES COVER- results from the sudden and accidental injury to tangi-AGE A BODILY INJURY AND PROPERTY DAM- ble property owned or used by any insured to procure,AGE LIABILITY : produce, process or transmit the gas, oil, water, elec-

tricity, steam or biofuel.Failure To Supply

"Bodily injury" or "property damage" arising out of thefailure of any insured to adequately supply gas, oil,water, electricity, steam or biofuel.




EXCLUSION ACCESS OR DISCLOSURE OFCONFIDENTIA OR PERSONAL INFORMA IONL T


COMM RCI L G NERAL IAB LI Y COVERAG PA TE A E L I T E R

The fo lo ing ex lu ion i added to Paragraphl w c s s 2., Exclusi nso , of SECTI N I CO E AGES CO ERAGE AO V R VBOD L IN URY AND PRO E TY DA AGE LIAB LI YI Y J P R M I T :

Access O Disclos re O o fiden ial O Perso al In o mati nr u f C n t r n f r o

"Bo ily in ury or "prope ty dama e" a i i g out o any acce sd j " r g r s n f s to or di clo ure o any perso 's ors s f n organiza ion'stconf dential or ersonal in o ma ion.i p f r t

CG 7 46 01 5D 1 © 2015 The Travelers Indemnity Company. All rights reserved. Pa e 1 o 1g fIncludes copyrighted material of Insurance Services Off ce, Inc. with its permis ion.i s



EXCLUSION--INTERCOMPANY PRODUCTS SUITSThis endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PARTPRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART

This insurance does not apply to any claim for damages by any Named Insured against another NamedInsured because of "bodily injury" or "property damage" arising out of "your products" and included within the"products-completed operations hazard."

CG 21 41 11 85 Copyright, Insurance Services Office, Inc., 1984 Page 1 of 1


THIS ENDORSEMENT CHA THE POLICY PLEASE READ IT CAREFULLYNGES .

MODIFIED POLLUTION EXCLUSIONMANAGED PROPERTIES

This endorsement od f insurance pro ided under t folm i ies v he lowing:

COMMERC AL GENERAL L ITY VERA AI IABIL CO GE P RT

(ii) “Bodil in y” or “property da fory jur mage”PROVI ONSSIwhich you may be held liab f you are ale, iParagraph o E c o Paragraph ,(1)(a) f. 2.f x lusion fcontractor and the owner or lessee ofExclusi Coverage A Bodilyons o Sect If ionsuch premises, site or locat has beenion

Inj And Property Damage L lityury iabi is replaced added to your pol as an addi l in-icy tionaby the lfo lowing: sured with respect to your ongoing opera-

(a) At or fro any pre ises, site or locatm m ion tions per med for that a ionalfor ddit insuredwhich is or was at any t me owned or occ at that pre ises, site or ion and suchi u- m locat

prem site or loca is not and ne erises, tion vpied by, or rented or loaned to, or managedwas owned or occupied by, or rented orby, any insured. However this paragraph,loaned to, any insured, other than thatdoes not apply to:additiona insured; orl

(i) “Bodil in i sustained within a build-y jury” f(iii) “Bodil injury” or “property da ar s-y mage” iing and caused by smoke, fu es, vaporm

ing out of heat smoke or fu fro a, mes mor soot fro equip t used to heat thatm men“hostile f ;ire”building;

CG D1 38 11 03 Copyright, Tra elers Inde ity mpany, 2003 Page 1 oThe v mn Co f 1Includes copyrighted ter o Insurance Ser ices O f Inc. i issionma ial f v f ice, , with ts perm



EXCLUSION DISCRIMINATION



PROVISIONS

1. COVERAGE A BODILY INJURY AND PROP- 2. COVERAGE B PERSONAL AND ADVERTIS-ERTY DAMAGE LIABILITY ING INJURY LIABILITYis amended by ad- is amended by addingding the following additional exclusion: the following additional e clusion:x

(This Insurance does not apply to:) (This insurance does not apply to:)

“Bodily injury” resulting from or as a consequence “Personal injury” resulting from or as a conse-of discrimination, whether intentional or uninte quence of discrimination, whether intentional orn-tional, based upon a person's sex, sexual prefe unintentional, based upon a person's sex, sexualr-ence, marital status, race, creed, religion, n preference, marital status, race, creed, religion,a-tional origin, age, physical capabilities, characte national origin, age, physical capabilities, charac-r-istics or condition, or mental capabilities or co teristics or condition, or mental capabilities orn-dition. condition.

CG D1 42 01 99 Copyright, The Travelers Indemnity Company, 1999 Page 1 of 1



EXCLUSION SILICA



PROVISIONS a. Any supervision, instructions, recommendations,warnings or advice given or which should haveThis insurance does not apply to "bodily injury",been given in connection with the above; and"property damage", "personal injury" or "advertising

injury" arising out of or in any way related to the b. Any obligation to share damages with or repayactual, alleged or threatened discharge, dispersal, someone else who must pay damages becauseemission, release, escape, handling, contact with, of such injury or damage.exposure to or inhalation or respiration of silica or This exclusion applies to all such "bodily injury" orproducts or substances containing silica. This i -n "property damage" whether or not the "bodily injury"cludes, but is not limited to: or "property damage" is included in the "products-

completed operations hazard".

CG D2 40 06 01 Copyright, The Travelers Indemnity Company, 2001 Page 1 of 1



EXCLUSION WAR

This endorsement i ies insurance pro ided under the lmod f v fo lowing:

COMMERC GENERAL L ITY VERA ARTIAL IABIL CO GE P

A. i. 2. Exc ons B. 2.Ex under Paragraph , o The fo e lusion is added to Paragraph ,clusion f llowing xclusiSectio I C A Bod In And Exclusi of Secti I Coverage B Per-n overage ily jury ons on

sonal And Advertisin In Lia lityg jury bi :Property Damage Lia litybi is replaced by thefo lowing:l 2. Exclusions:2. Exclusions: This insurance does not apply to:

This insurance does not apply to: Wari. War "Personal in or "ad ert injury ar s-jury" v ising " i

ing, d ly indirec ly, firect or t out o :"Bodi injur or "property da ari -ly y" mage" sing, d ly indirec ly, firect or t out o : (1) W r, luding undec i i war; ora inc lared or c v l(1) W r, inc undec or c v la luding lared i i (2) W rl act by a m l y for inc d-a ike ion i itar ce, lu

war; or ing act in h or de ingion indering fend(2) W rl act by a m l y for in- against an actual or e at bya ike ion i itar ce, xpected tack,

cluding ac ion in hinder or de any go ment so ign or ot ing - vern , vere therfend against an actua or e authority using m itar personnel or othering l xpected il y

agents; orattack, by any go ern , so ignv ment vereor other authori using m l per-ty i itary (3) Insurrection, rebe ion, re olull v tion,sonnel or other agents; or usurped power, or act taken by go -ion v

(3) Insurrection, rebe ion, re olu ernmenta author in hinder or dell v tion, l ity ing -fend against any o theseing fusurped power, or act taken byion

go menta author in hindervern l ity ing regardless of any other cause or e ent thatvor defend fing against any o these contributes concurrent or in any sequencely

to the jury.inregardless of any other cause or e entvthat contr concurrentl or in any s -ibutes y equence to the or dainjury mage.




EXCLUSION AIRCRAFT PRODUCTS AND GROUNDING


COMMERCIAL GENERAL LIABILITY COVERAGE PARTPRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART

PROVISIONS c. Any of "your products" used for the purposeof guidance, navigation or direction of aircraft,1. The following exclusion is added to Paragraph 2.,whether an aircraft is in flight or on theExclusions , of either SECTION I COVER-ground; orAGES COVERAGE A BODILY INJURY AND

PROPERTY DAMAGE LIABILITY or SECTION I d. Training aids, navigation charts, navigationCOVERAGES PRODUCTS/COMPLETED aids, manuals, blueprints, engineering or

OPERATIONS BODILY INJURY AND PROP- other data or advice, services and labor relat-ERTY DAMAGE LIABILITY , whichever section is ing to such aircraft or products.included in the Coverage Part: "Grounding" means the withdrawal of one or moreAircraft Products And Grounding aircraft from flight operations or the imposition of

speed, passenger or load restrictions on such air-"Bodily injury" or "property damage" includedcraft, by reason of the actual, alleged or sus-within the "products-completed operations haz-pected existence of any defect, fault or conditionard" and arising out of any "aircraft product" or thein such aircraft or any part thereof:"grounding" of any aircraft.a. Sold, handled or distributed by the insured; or2. The following is added to the DEFINITIONS Sec-b. Manufactured, assembled or processed bytion:

any other person or organization:"Aircraft product" means:(1) According to specifications, plans, sug-a. Aircraft, including missile or spacecraft, and

gestions, orders or drawings of the in-any ground support or control equipmentsured; orused with any aircraft, missile or spacecraft;

(2) With tools, machinery or other equipmentb. Any of "your products" manufactured for,furnished to such persons or organiza-used in connection with, or incorporated intotions by the insured;aircraft, aircraft parts, aircraft equipment or

aircraft accessories, including ground han- whether such aircraft so withdrawn or restricteddling tools and equipment; are owned or operated by the same or different

persons or organizations.

CG T3 23 08 11 © 2011 The Travelers Indemnity Company. All rights reserved. Page 1 of 1



EXCLUSION ASBESTOSThis endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PARTOWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PARTPRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PARTRAILROAD PROTECTIVE LIABILITY COVERAGE PARTCATASTROPHE UMBRELLA POLICY

This insurance does not apply to "bodily injury," a. Any supervision, instructions, recommendations,"property damage," "personal injury" or "advertising warnings or advice given or which should haveinjury" arising out of the actual or alleged presence been given in connection with the above; andor actual, alleged or threatened dispersal of asbes- b. Any obligation to share damages with or repaytos, asbestos fibers or products containing asbestos, someone else who must pay damages becauseprovided that the injury or damage is caused or con- of such injury or damage.tributed to by the hazardous properties of asbestos.This includes:

Copyright, The Travelers Indemnity Company.CG T4 78 02 90 Page 1 of 1

COMMERCIAL INLAND MARINE

P-630-0696L335-TCT-1507-30-15


08-01-15 08-01-16

525,000001 001 250 FOOT COMMUNICATIONTOWERTHAT ISFENCEDIN AND RELATED EQUIPMENTSHEDS AT $THE BASE OF THE TOWER.

$

$

HUDSON/BOSTON 126CAREY RICHMOND& VIKING 70561

COMMERCIAL INLAND MARINE POLICY NO.COVERAGE PART DECLARATIONS ISSUE DATE:

INSURING COMPANY:

DECLARATIONS PERIOD: From to 12:01 A.M. Standard Time at your mailing addressshown in the Common Policy Declarations.

The Commercial Inland Marine Coverage Part consists of these Declarations, the Commercial Inland MarineConditions Form and the Coverage Forms shown below.

1. COVERAGE, LIMITS OF INSURANCE AND DEDUCTIBLE:

CELLULAR TELECOMMUNICATIONSEQUIPMENT AND MEDIA COVERAGE FORM

A. Cellular Telecommunications Towers:

Limit of InsuranceLoc. No. DescriptionTower No.$

$

$

B. Transmitting, Receiving and Switching Equipment:

Loc. No. Bldg. No. Limit of Insurance$$$

C. Data and Media:

Limit of InsuranceLoc. No. Bldg. No.$$$

D. Improvements and Betterments:

Loc. No. Bldg. No. Limit of Insurance$$$

E. Buildings as Covered by This Form:

Limit of InsuranceLoc. No. Bldg. No.$$$

NUMBERS OF FORMS, SCHEDULES AND ENDORSEMENTS FORMING PART OF THIS COVERAGE PARTARE ATTACHED AS A SEPARATE LISTING.

CM T0 01 07 86 Page 1 of 2Order # CM A0 05 04 93

PRODUCER: OFFICE:

$

$

$

$

$

$

5,000(SEE CM T8 00)


COMMERCIAL INLAND MARINECOVERAGE PART DECLARATIONS

CELLULAR TELECOMMUNICATIONSEQUIPMENT AND MEDIA COVERAGE FORM (Cont’d)

F. Mobile or Portable Telecommunications Equipment:

Item No. Limit of InsuranceDescription$

$

$

G. Tools, Spare/Replacement Parts, & Test Equipment Limit of Insurance

$H. Other Property:

Limit of InsuranceItem No. Description$

$

$

I. Tower Collapse

Limit of InsuranceLoc. No. Bldg. No.

$$$

J. Valuation:

Actual Cash Value Applies at all Locations Except as Indicated Below.

Replacement Cost at Locations No.:

$K. Deductible:$Exception:

CM T0 01 07 86 Page 2 of 2

PRODUCER: OFFICE:

P-630-0696L335-TCT-1507-30-15


08-01-15 08-01-16

COVEREDITEMS LIMITS OF INSURANCEListed Items (See Schedule): $ 15,000Unlisted Items: No CoverageLeased or Rented Items: No Coverage

COVERAGEEXTENSIONSNewly Acquired "Contractors Equipment": $ 100,000"Replacement Items"

Rental Cost: $ 5,000 per itemLoss to any one "Replacement Item": $ 100,000 per item

"Maximum Amount of Payment": $ 15,000

"Flood Limit of Insurance": No Coverage"Flood Annual Aggregate Limit of Insurance": Not Applicable"Earth Movement Limit of Insurance": No Coverage"Earth Movement Annual Aggregate

Limit of Insurance": Not Applicable

"CONTRACTORSEQUIPMENT""Basic Deductible": $ 1,000"Windstorm Deductible": $ 1,000

The policy premium includes the premiums shown below. Deposit Premiums aresubject to adjustment as specified in the Reporting Provisions.

REPORTINGPROVISIONS Premium

"CONTRACTORSEQUIPMENT" Not Applicable $ 357

PREMIUM: $ 357

NUMBERSOF FORMS, SCHEDULESAND ENDORSEMENTSFORMINGPART OF THIS COVERAGEPARTARE ATTACHEDAS A SEPARATELISTING.

1 (END)


COMMERCIAL INLAND MARINE POLICY NUMBER:COVERAGE PART DECLARATIONS ISSUE DATE:INSURING COMPANY:

Declarations Period: From to 12:01 A.M. Standard Time at your mailing address shownin the Common Policy Declarations.The Commercial Inland Marine Coverage Part consists of these Declarations, the Commercial Inland MarineConditions Form and the Coverage Forms shown below.

CM T0 01 07 86 PageOrder # CM A0 28 08 96

PRODUCER: OFFICE:

P-630-0696L335-TCT-15 07-30-15

"Contractors Equipment"

IZ 004 06 0462 0654

0462 Exception to IL T3 55 Date-Related Loss Excl0654 Programming Errors F

COMMERCIAL INLAND MARINEPOLICY NUMBER: ISSUE DATE:

IM PAK COVERAGE SUMMARYThis Coverage Part covers the following:

This Coverage Part Includes the following coverage form:

IM PAK COVERAGE FORM

This Coverage Part includes the following modifiers:

CM T3 71 08 96 Page 1 of 1

P-630-0696L335-TCT-1507-30-15

001 FORD TRACTOR4450 W/LOADER 5,000

002 CASE TRACTOR580K W/LOADER 10,000

TOTAL LIMIT OF INSURANCEFOR ALL LISTED ITEMS 15,000

1 (END)

IM PAK COVERAGE POLICY NUMBER:ISSUE DATE:CONTRACTORS EQUIPMENT

SCHEDULE

ITEM DESCRIPTION OF ITEMS LIMIT OF INSURANCE

$

$

CM T0 28 08 96 Page

TABLE OF CONTENTS

COMMERCIAL INLAND MARINE COVERAGE PART

The following indicates the contents of the principal forms which may be attached toyour policy.

It contains no reference to the Declarations or Endorsements which also may be attached.

Beginning on Page

COMMERCIAL INLAND MARINE CONDITIONS

Loss Conditions

A. Abandonment 1B. Appraisal 1C. Duties In The Event Of Loss 1D. Insurance Under Two Or More Coverages 1E. Loss Payment 1F. Other Insurance 2G. Pair, Sets Or Parts 2H. Recovered Property 2I. Reinstatement Of Limit After Loss 2J. Transfer Of Rights Of Recovery Against Others To Us 2

General Conditions

A. Concealment, Misrepresentation Or Fraud 2B. Control Of Property 2C. Legal Action Against Us 2D. No Benefit To Bailee 3E. Policy Period, Coverage Territory 3F. Valuation 3

INLAND MARINE COVERAGE FORM(S)

A. Coverage

1. Covered Property2. Property Not Covered Page3. Covered Causes Of Loss4. Additional Coverage Collapse (If Applicable) No.5. Coverage Extensions (If Any)

Varies

B. ExclusionsC. Limits of Insurance ByD. DeductibleE. Additional Conditions FormF. Definitions

CM T0 11 08 05 Page 1 of 1


COMMERCIAL INLAND MARINE CONDITIONS

The following conditions apply in addition to the set the damaged property aside and in theCommon Policy Conditions and applicable Additional best possible order for examination.Conditions in Commercial Inland Marine Coverage 5. You will not, except at your own cost, volun-Forms: tarily make a payment, assume any obliga-LOSS CONDITIONS tion, or incur any expense without our con-

sent.A. Abandonment6. As often as may be reasonably required,There can be no abandonment of any property to

permit us to inspect the property proving theus.loss or damage and examine your books and

B. Appraisal records.If we and you disagree on the value of the prop- Also permit us to take samples of damagederty or the amount of loss, either may make writ- and undamaged property for inspection, test-ten demand for an appraisal of the loss. In this ing and analysis, and permit us to make cop-event, each party will select a competent and ies from your books and records.impartial appraiser. The two appraisers will select

7. We may examine any insured under oath,an umpire. If they cannot agree, either may re-while not in the presence of any other insuredquest that selection be made by a judge of aand at such times as may be reasonably re-court having jurisdiction. The appraisers will statequired, about any matter relating to this in-separately the value of the property and amountsurance or the claim, including an insured'sof loss. If they fail to agree, they will submit theirbooks and records. In the event of an exami-differences to the umpire. A decision agreed tonation, an insured's answers must be signed.by any two will be binding. Each party will:

8. Send us a signed, sworn proof of loss con-1. Pay its chosen appraiser; andtaining the information we request to settle

2. Bear the other expenses of the appraisal and the claim. You must do this within 60 days af-umpire equally. ter our request. We will supply you with the

necessary forms.If there is an appraisal, we will still retain our rightto deny the claim. 9. Immediately send us copies of any demands,

notices, summonses or legal papers receivedC. Duties In The Event Of Lossin connection with the claim or suit.You must see that the following are done in the

10. Cooperate with us in the investigation or set-event of loss or damage to Covered Property:tlement of the claim.1. Notify the police if a law may have been bro-

D. Insurance Under Two Or More Coveragesken.

If two or more of this policy's coverages apply to2. Give us prompt notice of the loss or damage.the same loss or damage, we will not pay moreInclude a description of the property involved.than the actual amount of the loss or damage.3. As soon as possible, give us a description of

E. Loss Paymenthow, when and where the loss or damage oc-curred. 1. We will give notice of our intentions within 30

days after we receive the sworn proof of loss.4. Take all reasonable steps to protect the Cov-ered Property from further damage, and keep 2. We will not pay you more than your financiala record of your expenses necessary to pro- interest in the Covered Property.tect the Covered Property, for consideration

3. We may adjust losses with the owners of lostin the settlement of the claim. This will not in-or damaged property if other than you. If wecrease the Limit of Insurance. However, wepay the owners, such payments will satisfywill not pay for any subsequent loss or dam-your claim against us for the owners' prop-age resulting from a cause of loss that is noterty. We will not pay the owners more thana Covered Cause of Loss. Also, if feasible,

CM 00 01 09 04 Page 1 of 3


their financial interest in the Covered Prop- H. Recovered Propertyerty. If either you or we recover any property after loss

4. We may elect to defend you against suits settlement, that party must give the other promptarising from claims of owners of property. We notice. At your option, the property will be re-will do this at our expense. turned to you. You must then return to us the

amount we paid to you for the property. We will5. We will pay for covered loss or damagepay recovery expenses and the expenses to re-within 30 days after we receive the swornpair the recovered property, subject to the Limitproof of loss if you have complied with all theof Insurance.terms of this Coverage Part and:

I. Reinstatement Of Limit After Lossa. We have reached agreement with you onthe amount of the loss; or The Limit of Insurance will not be reduced by the

payment of any claim, except for total loss orb. An appraisal award has been made.damage of a scheduled item, in which event we

6. We will not be liable for any part of a loss will refund the unearned premium on that item.that has been paid or made good by others.

J. Transfer Of Rights Of Recovery AgainstF. Other Insurance Others To Us

1. You may have other insurance subject to the If any person or organization to or for whom wesame plan, terms, conditions and provisions make payment under this Coverage Part hasas the insurance under this Coverage Part. If rights to recover damages from another, thoseyou do, we will pay our share of the covered rights are transferred to us to the extent of ourloss or damage. Our share is the proportion payment. That person or organization must dothat the applicable Limit of Insurance under everything necessary to secure our rights andthis Coverage Part bears to the Limits of In- must do nothing after loss to impair them. Butsurance of all insurance covering on the you may waive your rights against another partysame basis. in writing:

2. If there is other insurance covering the same 1. Prior to a loss to your Covered Property.loss or damage, other than that described in

2. After a loss to your Covered Property only if,1. above, we will pay only for the amount ofat time of loss, that party is one of the follow-covered loss or damage in excess of theing:amount due from that other insurance,

whether you can collect on it or not. But we Someone insured by this insurance; ora.will not pay more than the applicable Limit of b. A business firm:Insurance.

(1) Owned or controlled by you; orG. Pair, Sets Or Parts

(2) That owns or controls you.1. Pair Or Set

This will not restrict your insurance.In case of loss or damage to any part of a

GENERAL CONDITIONSpair or set we may:A. Concealment, Misrepresentation Or Frauda. Repair or replace any part to restore the

pair or set to its value before the loss or This Coverage Part is void in any case of fraud,damage; or intentional concealment or misrepresentation of a

material fact, by you or any other insured, at anyb. Pay the difference between the value oftime, concerning:the pair or set before and after the loss or

damage. 1. This Coverage Part;

2. Parts 2. The Covered Property;

In case of loss or damage to any part of Cov- 3. Your interest in the Covered Property; orered Property consisting of several parts 4. A claim under this Coverage Part.when complete, we will only pay for the valueof the lost or damaged part.

Page 2 of 3 CM 00 01 09 04


B. Control Of Property E. Policy Period, Coverage Territory

Any act or neglect of any person other than you We cover loss or damage commencing:beyond your direction or control will not affect this 1. During the policy period shown in the Decla-insurance. rations; andThe breach of any condition of this Coverage 2. Within the coverage territory.Part at any one or more locations will not affect

F. Valuationcoverage at any location where, at the time ofloss or damage, the breach of condition does not The value of property will be the least of the fol-exist. lowing amounts:

C. Legal Action Against Us 1. The actual cash value of that property;

No one may bring a legal action against us under 2. The cost of reasonably restoring that propertythis Coverage Part unless: to its condition immediately before loss or

damage; or1. There has been full compliance with all theterms of this Coverage Part; and 3. The cost of replacing that property with sub-

stantially identical property.2. The action is brought within 2 years after youfirst have knowledge of the direct loss or In the event of loss or damage, the value of prop-damage. erty will be determined as of the time of loss or

damage.D. No Benefit To Bailee

No person or organization, other than you, havingcustody of Covered Property will benefit from thisinsurance.

CM 00 01 09 04 Page 3 of 3


CELLULAR TELECOMMUNICATIONS EQUIPMENT ANDMEDIA COVERAGE FORM

Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, dutiesand what is and is not covered .

Throughout this policy the words "you" and "your" refer to the Named Insured shown in the Declarations. Thewords "we" "us" and "our" refer to the Company providing this insurance.

Other words and phrases that appear in quotation marks have special meaning. Refer to Section F DEFINI-TIONS.

A. COVERAGE 2. PROPERTY NOT COVERED

We will pay for direct physical "loss" to Covered Covered Property does not include:Property from any of the Covered Causes of a. Accounts, bills, money, securities, deeds,Loss. notes, letters of credit, evidence of debt,1. COVERED PROPERTY gold, silver or any precious metals or al-

loys;Covered Property, as used in this CoverageForm means the following types property at b. Aircraft, watercraft, satellites, vehiclesa location shown in the Declarations and for licensed and designed principally forwhich a Limit of Insurance is shown: highway use; or

a. Telecommunications towers used for c. Animals, trees, shrubs, plants, land orbroadcasting or receiving, including water;above and below ground foundations, 3. COVERED CAUSES OF LOSSantennae, dishes, deicing equipment,

Covered Causes of Loss means RISKS OFguy-wiring, and other permanent attach-DIRECT PHYSICAL "LOSS" to Coveredments and connections;Property, except those causes of "loss" listed

b. Transmitting, receiving, and switching in B. EXCLUSIONS.equipment;

4. ADDITIONAL COVERAGESc. Data stored on discs, films, tapes or

a. Debris Removalsimilar electronic data processing media,the media itself, computer programs and We will pay your expense to removeinstructions necessary to your opera- debris of Covered Property from anytions; location shown in the Declarations

caused by or resulting from a Coveredd. Improvements and betterments made atCause of Loss that occurs during theyour expense to buildings you rent orpolicy period. The expenses will be paidlease but do not own;only if they are reported to us in writing

e. Buildings, at tower locations shown in within 180 days of the date of the directthe Declarations, used exclusively for the physical "loss."containment of transmitting, receiving,

Payment for Debris Removal is includedswitching or similar equipment;within the applicable Limit of Insurance

f. Mobile or portable equipment, while at or shown in the Declarations for the loca-away from a location shown in the Dec- tion where the "loss" occurs. The mostlarations; we will pay under this Additional Cov-

g. Tools, spare or replacement parts and erage is 25 of:test equipment used to service or repair (1) The amount we pay for the directCovered Property; and physical "loss"; plus

h. Other property that is specifically de- (2) The Deductible in this policy ap-scribed in the Declarations. plicable to that "loss."

CM T1 25 04 93 Page 1 of 6


When the debris removal expense ex- (1) Assumed by contract or agreementceeds the 25 limitation above, or the prior to "loss"; orsum of the direct physical "loss" and the (2) Required by local ordinance.expense for the removal of its debris ex-

The amount payable under this Addition-ceed the applicable Limit of Insurance,al Coverage is in addition to the Limits ofwe will then pay an additional $10,000 ofInsurance, and no deductible will be ap-debris removal expense in any one oc-plied.currence.

e. Fire Protective Equipment RechargeThis Additional Coverage does not applyto any costs to extract "pollutants" from We will pay your expense to replace anyland or water, or costs to remove restore substance discharged from an automaticor replace polluted land or water. fire protection system that protects

Covered Property caused by or resultingb. Pollutant Cleanup and Removalfrom a Covered Cause of Loss. The most

We will pay your expense to extract "pol- we will pay in any one occurrence islutants" from land or water at any loca- $2,500. The amount payable under thistion shown in the Declarations if the Additional Coverage is in addition to therelease, discharge or dispersal of the Limits of Insurance."pollutants" is caused by or results from

f. Newly Acquired or Constructeda Covered Cause of Loss which occursPropertyto Covered Property:If during the policy period you acquire or(1) At the described location; andconstruct property of the type covered

(2) During the policy period. by this Coverage Form, we will cover thatproperty for up to $100,000 at any loca-The expense will be paid only if reportedtion shown in the Declarations or at anyto us in writing within 180 days of thenew location you acquire by purchase ordate of the direct physical "loss."by lease. The amount payable under thisThe most we will pay for each describedAdditional Coverage is in addition to thelocation under this Additional CoverageLimits of Insurance.is $10,000 for the sum of all such expen-Insurance under this Additional Cov-ses occurring during any one policy yearerage for each newly acquired or con-commencing with inception. This amountstructed property will end when any ofis in addition to the Limits of Insurance.the following first occurs:c. Valuable Papers and Records Other(1) This policy expires;Than Accounts Receivable

We will pay your expense to research, (2) 90 days after you acquire or begin toreplace or restore valuable papers and construct the property;written records (other than accounts (3) You report the values to us; orreceivable), that are lost or damaged by

(4) The property is more specifically in-a Covered Cause of Loss. We will paysured.for the cost of the blank materials and

the cost of reproduction. We will charge you additional premiumfor values reported from the date con-The most we will pay under this Addition-struction begins or you acquire theal Coverage is $10,000 in any one occur-property.rence. This amount is in addition to the

Limits of Insurance. g. Tower Collapse

d. Fire Department Service Charge If a Limit of Insurance is shown in theDeclarations for Tower Collapse, we willWhen the fire department is called topay for direct physical "loss" to the build-save or protect Covered Property from aings shown, that are not covered else-Covered Cause of Loss, we will pay up towhere in this form, and are;$2,500 for your liability for fire depart-

ment service charges:

Page 2 of 6 CM T1 25 04 93


(1) Owned by you; or ty at the location from which the propertyis first moved.(2) Rented, leased, or regularly oc-

cupied by you and which you are c. Property at a Temporary Locationlegally obligated to insure; We will pay up to $50,000 for "loss" to

caused by the collapse of any tower or Covered Property while temporarily at aantenna covered by this Coverage Form. location you do not own, lease or reg-

ularly occupy, but use for business pur-The collapse must be caused by aposes other than storage. We will coverCovered Cause of Loss other than fire,the property at that location for a periodlightning, windstorm, hail, explosion, air-not to exceed 30 days.craft, vehicles, riot, civil commotion, van-

dalism or malicious mischief. The amount payable under this Cov-erage Extension is included within theThe most we will pay for "loss" in any oneLimits of Insurance.occurrence is the Limit of Insurance

shown in the Declarations as applicable B. EXCLUSIONSto that building. 1. We will not pay for "loss" caused directly or

5. COVERAGE EXTENSIONS indirectly by any of the following. Such "loss"is excluded regardless of any other cause ora. Tuning of Towersevent that contributes concurrently or in any

You may extend the insurance provided sequence to the "loss."by this Coverage Form to the expenses

a. Earth Movementyou incur in retuning (including replumb-ing) covered towers that are damaged as (1) Any earth movement such as ana result of direct physical "loss" from a earthquake, mine subsidence, land-Covered Cause of Loss. slide or earth sinking, rising or shift-

ing. But if "loss" by fire or explosionThe most we will pay for "loss" under thisresults, we will pay for that resultingCoverage Extension is $5,000 in any one"loss."occurrence.

(2) Volcanic eruption, explosion or ef-The amount payable under this exten-fusion. But if "loss" by fire or "vol-sion is included within the Limits of In-canic action" results, we will pay forsurance shown in the Declarations ap-that resulting "loss."plicable to the tower where the "loss" oc-

curs. This exclusion does not apply to proper-ty in transit.b. Preservation of Property

b. Governmental ActionIf it is necessary to move Covered Prop-erty from any location shown in the Dec- Seizure or destruction of property bylarations to preserve it from "loss" from a order of governmental authority.Covered Cause of Loss, we will pay for But we will pay for acts of destructionany direct physical "loss" to that proper- ordered by governmental authority andty: taken at the time of a fire to prevent its(1) While it is being moved or while tem- spread.

porarily stored at another location; c. Nuclear Hazardand

(1) Any weapon employing atomic fis-(2) Only if the "loss" occurs within 30 sion or fusion; or

days after the property is first(2) Nuclear reaction or radiation, ormoved.

radioactive contamination, howeverThe amount payable under this Cov- caused. But if "loss" by fire results,erage Extension is included within the we will pay for that resulting "loss."Limits of Insurance shown in the Decla-rations applicable to that type of proper-

CM T1 25 04 93 Page 3 of 6


d. War and Military Action b. Unexplained "loss" or any "loss" orshortage found upon taking inventory or(1) War, including undeclared or civilaudit;war;

c. Dishonest or criminal acts by you,(2) Warlike action by a military force, in-anyone else with an interest in the prop-cluding action in hindering or de-erty, your or their employees or au-fending against an actual or ex-thorized representatives or anyone en-pected attack, by any government,trusted with the property, whether or notsovereign or other authority usingacting alone or in collusion with othermilitary personnel or other agents; orpersons or occurring during the hours of

(3) Insurrection, rebellion, revolution, employment. But this exclusion does notusurped power or action taken by apply to a carrier for hire;governmental authority in hindering

d. Wear and tear, any quality in the proper-or defending against any of these.ty that causes it to damage or destroy

e. Water itself, hidden or latent defect, gradual(1) Flood, surface water, waves, tides, deterioration, depreciation, insects, ver-

tidal waves, overflow of any body of min, rodents, mechanical breakdown orwater, or their spray, all whether driv- failure;en by wind or not; e. Unauthorized instructions to transfer

(2) Mudslide or mudflow; property or service(s) to any person or toany place;(3) Water that seeps, leaks or flows be-

low the surface of the ground; f. Any changes or alterations to any tower,antennae, dish or appurtenant devices(4) Any release of water impounded by aduring the policy period which maydam; orresult in exceeding the design load of the

(5) Water that backs up from a sewer or property. This does not apply to tem-drain porary alterations or changes provided

But if direct "loss" by fire, explosion or they are necessary and incidental totheft results, we will pay for that resulting necessary repairs;"loss." g. Voluntary parting with any property byThis exclusion does not apply to proper- you or anyone entrusted with the proper-ty in transit. ty if induced to do so by any fraudulent

scheme, trick, device or false pretense;f. Ordinance or Lawh. Corrosion, rust, dampness, dryness,The enforcement of any ordinance or

cold or heat;law:But we will pay for "loss" that results(1) Regulating the construction, use ordirectly from damage to the air con-repair of any property; orditioning or heating systems that service

(2) Requiring the tearing down of any your broadcasting or receiving equip-property, including the cost of re- ment at a location shown in the Declara-moving its debris. tions. The damage to such systems

2. We will not pay for "loss" caused by or result- must be caused by a Covered Cause ofing from any of the following: Loss.

a. Delay, loss of market, loss of use, loss of i. Discharge, dispersal, seepage, migra-income or any other consequential "loss" tion, release or escape of "pollutants."including the suspension, lapse, cancel- 3. We will not pay for "loss" caused by or result-lation or refusal of any licence, lease or ing from any of the following. But if "loss" bycontract; a Covered Cause of Loss results, we will pay

for that resulting "loss."

Page 4 of 6 CM T1 25 04 93


a. Weather conditions. But this exclusion 1. Coverage Territoryapplies only if weather conditions con- We cover property wherever located within:tribute in any way with a cause or event

a. The United States of America; andexcluded in B.1 above to produce the"loss"; b. Canada.

b. Acts or decisions, including the failure to 2. Valuationact or decide, of any person, group, or- General Condition E. in the Commercial In-ganization or governmental body; land Marine Conditions is replaced by the

c. Faulty inadequate or defective: following:

(1) Planning, zoning, development, sur- a. Your Property (except data and media)veying, siting; The value of property you own will be:

(2) Design, specifications, workmanship, (1) When Replacement Cost is shown inrepair, construction, renovation, re- the Declarations, its replacementmodeling, grading, compaction; cost (without deduction for deprecia-

(3) Materials used in the repair, con- tion.)struction, renovation or remodeling; We will not pay more for any "loss"or on a replacement cost basis than the

(4) Maintenance; lesser of:

of part or all of any property wherever (a) The amount it would cost to re-located. place the property at the time of

"loss" with new property of equald. Failure, fluctuation or interruption of elec-performance, capacity or func-trical power or any other utility servicetion and for the same use at thesupplied to a described location, how-same location; orever caused, if the failure, fluctuation or

interruption originates more than 1000 (b) The amount you actually spendfeet from: in repairing or replacing the

property with new property of(1) The building containing the Coveredequal performance, capacity orProperty; orfunction.

(2) In the case of property in the open,We will only pay for "loss" on a re-the Covered Property itself.placement cost basis if you repair or

C. LIMITS OF INSURANCE replace the property as soon asThe most we will pay for "loss" in any one occur- reasonably possible after the "loss."rence is the applicable Limit of Insurance shown If you do not repair or replace thein the Declarations. Except as provided in the property, we will not pay more thanAdditional Coverages or Coverage Extensions the actual cash value of that proper-

D. DEDUCTIBLE ty.

We will not pay for "loss" in any one occurrence (2) When Actual Cash Value is shown inuntil the amount of the "loss," before applying the the Declarations, the least of the fol-applicable Limits of Insurance, exceeds the De- lowing amounts:ductible shown in the Declarations. We will then (a) The actual cash value of thatpay the amount of the "loss" in excess of the property;Deductible, up to the applicable Limit of In-

(b) The cost of reasonably restoringsurance.that property to its condition im-

E. ADDITIONAL CONDITIONS mediately before the "loss"; orThe following conditions apply in addition to the (c) The cost of replacing thatCommercial Inland Marine Conditions and the property with substantially identi-Common Policy Conditions: cal property.

CM T1 25 04 93 Page 5 of 6


b. Data and Media. bears to 80 of the total value of that proper-ty at the time of "loss". This penalty does notThe value of data and media you ownapply to:will be the actual cost of reproducing the

data and the cost of the media. a. Covered Property in Transit;

When the data is not or cannot be re- b. Any of the Coverage Extensions; orproduced, we will not pay more than the c. Any of the Additional Coverages.cost of blank discs, films, tapes or similar

F. DEFINITIONSelectronic data processing media ofequal performance, capacity or function, "Loss" means accidental loss or damage.and for the same use. "Pollutants" means any solid, liquid, gaseous or

c. Property of Others. The value of proper- thermal irritant or contaminant, including smoke,ty of others in your care, custody or con- vapor, soot, fumes, acids, alkalis, chemicals andtrol will be the lesser of: waste. Waste includes materials to be recycled,

reconditioned or reclaimed.(1) The amount for which you are liable;or "Volcanic action" means direct "loss" resulting

from the eruption of a volcano when the "loss" is(2) The actual cash value of that proper-caused by:ty.(1) Airborne volcanic blast or airborne shockIn the event of "loss," the value of property

waves;will be determined as of the time and placeof "loss." (2) Ash, dust or particulate matter; or

3. Coinsurance (3) Lava flow.

All Covered Property, except Covered Prop- All volcanic eruptions that occur within any 168erty in transit, must be insured for at least hour period will constitute a single occurrence.80 of its total value as of the time of "loss" "Volcanic action" does not include the cost toor you will incur a penalty. The penalty is remove ash, dust or particulate matter that doesthat we will pay only the proportion of any not cause direct physical "loss" to Covered"loss" that the applicable Limit of Insurance Property.shown in the Declarations for that property

Page 6 of 6 CM T1 25 04 93

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IM PAK COVERAGE FORMVarious provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties andwhat is and is not covered.

Throughout this policy, the words "you" and "your" refer to the Named Insured shown in the Declarations. Thewords "we", "us" and "our" refer to the Company providing this insurance.

Other words and phrases that appear in quotation marks have special meaning. Refer to Section F -DEFINITIONS.

ENDORSEMENT IL T3 55 "EXCLUSION OF CERTAIN COMPUTER-RELATED LOSSES DUE TO DATES ORTIMES", IF ATTACHED TO THIS POLICY, DOES NOT APPLY TO THIS IM PAK COVERAGE PART.

A. COVERAGE

We will pay for direct physical loss of or damage to Covered Property from any of the Covered Causes ofLoss.

1. Covered Property

Covered Property, as used in this Coverage Part, means "Contractors Equipment".

2. Covered Causes of Loss

Covered Causes of Loss means RISKS OF DIRECT PHYSICAL LOSS OR DAMAGE except those causesof loss listed in the Exclusions or for which 'No Coverage' is shown as the applicable Limit of Insurance inthe Declarations.

3. Coverage Extensions

We will pay for loss or damage from a Covered Cause of Loss for each of the following CoverageExtensions:

a. Newly Acquired "Contractors Equipment"

If during the policy period you acquire items of the type already covered by this policy as Listed andUnlisted Items, we will cover the items for up to 90 days. You will report the items within 90 days fromthe date acquired and will pay any additional premium due. If you do not report the new items, we willnot pay for loss of or damage to the new items.

The most we will pay under this Coverage Extension is the Limit of Insurance shown in the Declarationsfor Newly Acquired "Contractors Equipment". Any payment made under this extension is includedwithin and will not increase the "Contractors Equipment" "Maximum Amount of Payment" shown in theDeclarations.

b. Fire Protective Systems

If your fire protective equipment discharges accidentally or to control a Covered Cause of Loss, we willpay for your expense to:

(1) Recharge or refill your fire protective systems; and

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POLICY NUMBER: TRANSACTION EFFECTIVE DATE:

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(2) Replace or repair faulty valves or controls which caused the discharge.

The most we will pay in any one loss or damage under this extension is $75,000.

c. Valuable Papers and Records

We will pay your costs to research, replace, or restore lost or damaged valuable papers and records,including those which are on computer software, for which there are no duplicates. The most we willpay for loss of or damage to this property is $50,000.

But we will not pay for loss of or damage to accounts, bills, deeds, evidences of debt, currency, money,notes or securities.

d. "Replacement Items"

(1) Rental Costs: We will pay your necessary costs to rent "replacement items". Coverage will start24 hours after you report the loss or damage to us, and will end when one of the following firstoccurs:

(a) Your "Contractors Equipment" to which the loss or damage occurred is repaired or replaced;

(b) The "replacement item" is no longer needed.

The most we will pay for your Rental Costs is the applicable Limit of Insurance shown in theDeclarations.

(2) Loss Of or Damage To "Replacement Items": We will pay for loss of or damage to "replacementitems" caused by or resulting from a Covered Cause of Loss. Coverage will start when youassume liability for "replacement items", and will end when your Rental Costs coverage for your"Contractors Equipment" to which the loss or damage occurred ends. We will also pay for loss ordamage while "replacement items" are in transit to or from the owner if you are liable for the item atthe time of loss or damage.

The most we will pay in any one loss of or damage to "replacement items" is the applicable Limit ofInsurance shown in the Declarations.

4. Additional Coverages

a. Debris Removal

(1) We will pay for your expense to remove debris of Covered Property caused by or resulting from aCovered Cause of Loss that occurs during the policy period. The expenses will be paid only if theyare reported to us in writing within 180 days of the date of the loss or damage.

(2) The most we will pay under this Additional Coverage is 25% of the amount we pay for direct loss ofor damage to Covered Property plus the deductible in this Coverage Part applicable to that loss ordamage. Any payment is included within and will not increase the applicable Limit of Insurance.But, if the debris removal expense exceeds the amount calculated above, or if the sum of ourpayments for direct loss or damage and debris removal exceeds the applicable Limit of Insuranceshown elsewhere in this Coverage Part, we will pay up to $75,000 in any one occurrence as anadditional amount of insurance.

(3) We will not pay for your expense to extract "pollutants" from land or water, or to remove, restore, orreplace polluted land or water under this Additional Coverage.

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b. Fire Department Service Charge

We will pay your legal liability for Fire Department Service Charges when the fire department is calledto save or protect Covered Property from a Covered Cause of Loss.

The most we will pay under this Additional Coverage is $25,000 in any one occurrence.

No deductible applies to this Additional Coverage.

c. Pollutant Clean Up and Removal

(1) We will pay your expense to extract "pollutants" from land or water if the discharge, dispersal,seepage, migration, release or escape of the "pollutants" is caused by or results from a CoveredCause of Loss to Covered Property that occurs during the policy period. The expenses will be paidonly if they are reported to us in writing within 180 days of the date of the loss or damage.

(2) This Additional Coverage does not apply to costs to test for, monitor or assess the existence,concentration or effects of "pollutants". But we will pay for testing which is performed in the courseof extracting the "pollutants" from the land or water.

(3) The most we will pay under this Additional Coverage is $25,000 for the sum of all such expensesarising out of Covered Cause of Loss to Covered Property occurring during each separate 12month period of this policy.

d. Inventory, Appraisals, and Loss Adjustment Expenses

We will pay the reasonable expenses you incur at our request to assist us in determination of theamount of the covered loss or damage, including the extra wages necessarily incurred by youremployees for preparing inventories and other loss or damage information for completion of your proofof loss or damage.

But we will not pay for:

(1) Expenses to prove that the loss or damage is covered;

(2) Expenses incurred under the Appraisal section of the Commercial Inland Marine Conditions;

(3) Expenses incurred for examinations under oath, even if required by us;

(4) Expenses incurred for public adjusters or any legal fees.

The most we will pay for loss or damage under this Additional Coverage is $5,000.

e. "Contractors Equipment" Expediting Expenses

We will pay your actual and reasonable costs resulting from a Covered Cause of Loss to "ContractorsEquipment" to expedite repair or replacement of that Covered Property including, but not limited to,overtime, night work, work on public holidays, rapid transportation of people and/or materials, and extracosts of temporary repair.

This Additional Coverage will apply from the date of such loss or damage and for such time reasonablynecessary to repair, replace, or rebuild the "Contractors Equipment".

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The most we will pay under this Additional Coverage is $2,500 in any one occurrence involving one ormore items of "Contractors Equipment".

f. "Expendable Supplies"

We will pay for loss or damage by a Covered Cause of Loss to "expendable supplies" for your"Contractors Equipment".

The most we will pay in any policy period for loss or damage under this Additional Coverage is $1,000.

g. Reward Coverage

We will reimburse you for reward(s) expense you have incurred leading to:

(1) The successful return of undamaged stolen articles to a law enforcement agency; or

(2) The arrest and conviction of any person(s) who have damaged or stolen any Covered Property.

We will pay 25% of the covered loss, prior to the application of any Deductible and recovery, up to amaximum of $2,500 in any one occurrence for the reward payments you make. These rewardpayments must be documented. The amount payable is in addition to the Limits of Insurance shown inthe Declarations.

No Deductible applies to this Additional Coverage.

B. EXCLUSIONS

1. We will not pay for loss or damage caused directly or indirectly by any of the following. Such loss ordamage is excluded regardless of any other cause or event that contributes concurrently or in anysequence to the loss or damage.

a. Governmental Action

Seizure or destruction of property by order of governmental authority.

But we will pay for loss or damage caused by or resulting from acts of destruction ordered bygovernmental authority and taken at the time of a fire to prevent its spread if the fire would be coveredunder this Coverage Form.

b. Nuclear Hazard

(1) Any weapon employing atomic fission or fusion; or

(2) Nuclear reaction or radiation, or radioactive contamination from any other cause. But if nuclearreaction or radiation, or radioactive contamination results in fire, we will pay for the direct loss ordamage caused by that fire if the fire would be covered under this Coverage Form.

c. War and Military Action

(1) War, including undeclared or civil war;

(2) Warlike action by a military force, including action in hindering or defending against an actual orexpected attack, by any government, sovereign or other authority using military personnel or otheragents; or

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(3) Insurrection, rebellion, revolution, usurped power, or action taken by governmental authority inhindering or defending against any of these.

2. We will not pay for loss or damage caused by or resulting from any of the following:

a. Delay, loss of use or loss of market.

b. Dishonest or criminal acts by you, any of your partners, directors, trustees or officers:

(1) Acting alone or in collusion with others; or

(2) Whether or not occurring during the hours of employment.

c. Discharge, dispersal, seepage, migration, release or escape of "pollutants" unless the discharge,dispersal, seepage, migration, release or escape is itself caused by any of the "specified causes ofloss". But if loss or damage by any of the "specified causes of loss" results, we will pay for thatresulting loss or damage caused by the "specified causes of loss".

d. Programming errors, including but not limited to:

(1) The inability of Covered Property to correctly recognize, process, distinguish, interpret or acceptdates, times or other data; or

(2) Any advice, consultation, design, evaluation, inspection, installation, maintenance, repair,replacement or supervision provided or done by you or for you to determine, rectify or test for, anypotential or actual problems due to the inability of Covered Property to correctly recognize,process, distinguish, interpret or accept dates times or other data.

But if loss or damage by "specified causes of loss" results, we will pay for that resulting loss or damage.

We will not pay for repair, replacement or modification of Covered Property to correct any deficienciesor change any features.

3. We will not pay for loss or damage caused by or resulting from any of the following. But if loss or damageby a Covered Cause of Loss results, we will pay for that resulting loss or damage.

a. Hidden or latent defect, mechanical breakdown or failure (including rupture or bursting caused bycentrifugal force), or any quality in the property that causes it to damage or destroy itself.

b. Corrosion, rust or dampness.

c. Electrical breakdown or failure.

d. Freezing or overheating.

e. Wear and tear, gradual deterioration.

f. Repair process or work on Covered Property.

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C. LIMITS OF INSURANCE

The most we will pay for loss or damage in any one occurrence is the applicable Limit of Insurance shown inthe Declarations. But in the event coverage for loss or damage is provided under the Coverage Extensions orAdditional Coverages, the Limits of Insurance stated within the specific Coverage Extension or AdditionalCoverage will apply as additional amounts of insurance, unless otherwise stated within the Coverage Extensionor Additional Coverage.

If a title for a Limit of Insurance appears in quotations in the Declarations, that limit has a special meaning andmay act to reduce or eliminate coverage under some circumstances. Refer to Section F - Definitions.

D. DEDUCTIBLE

We will not pay for loss or damage in any one occurrence until the amount of the adjusted loss or damageexceeds the applicable Deductible shown in the Declarations. We will then pay the amount of the adjustedloss or damage in excess of the Deductible, up to the applicable Limit of Insurance.

If a title for a Deductible appears in quotations in the Declarations, that Deductible has a special meaning andmay act to reduce or eliminate coverage under some circumstances. Refer to Section F - Definitions.

The applicable Deductible shown in the Declarations applies to the Coverage Extensions and AdditionalCoverages unless otherwise stated in the Coverage Extension or Additional Coverage.

E. ADDITIONAL COVERAGE CONDITIONS

The following conditions apply in addition to the Commercial Inland Marine Conditions and the Common PolicyConditions.

1. Where Coverage Applies

We cover property that is in:

a. The United States of America;

b. Puerto Rico; or

c. Canada.

But we do not cover property in transit to or from Hawaii or Puerto Rico.

2. Coinsurance

a. Listed Items

The Limit of Insurance for each item shown in the Declarations must equal at least 80% of its actualcash value at the time of loss or damage or you will incur a penalty.

The penalty is that we will pay only the proportion of any loss of or damage to each item that the Limitof Insurance for the item bears to 80% of its actual cash value at the time of loss or damage.

b. Unlisted Items

The Unlisted Item Limit of Insurance shown in the Declarations must equal at least 80% of the actualcash value of all Unlisted Items at the time of loss or damage or you will incur a penalty.

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The penalty is that we will pay only the proportion of any loss or damage that the Limit of Insurance forUnlisted Items bears to 80% of the actual cash value of all Unlisted Items at the time of loss or damage.

The coinsurance penalty does not apply to items leased, rented or borrowed from others unless they areshown as Listed Items.

3. Valuation

In the event of loss or damage, the value of "Contractors Equipment" at the time of loss or damage will bedetermined as shown below:

a. Listed And Unlisted Items

The value of Listed And Unlisted Items will be the least of the following:

(1) The actual cash value of that property;

But in the event of partial loss or damage, not exceeding 20% of the Limit of Insurance applicableto the Covered Property, no depreciation will be applied in the settlement of the claim;

(2) The cost of reasonably restoring that property to its condition immediately before loss or damage;or

(3) The cost of replacing that property with substantially identical property.

b. Leased Or Rented Items

The value of Leased or Rented Items will be the amount of your legal liability, not to exceed thereplacement cost.

F. DEFINITIONS

1. "Basic Deductible" means the Deductible applicable in any one occurrence of loss or damage unless amore specific Deductible for the applicable loss or damage is shown in the Declarations or elsewhere in thepolicy.

When a percentage (%) is shown in any Deductible Schedule, we will calculate the applicable dollaramount of the deductible by multiplying the applicable percentage shown in that Deductible Schedule bythe applicable deductible basis shown in that Deductible Schedule.

In no event will the applicable deductible be less than any applicable minimum, or more than anyapplicable maximum, amount shown in the Declarations or Deductible Schedule.

2. "Contractors Equipment" means mobile machinery and equipment normally used in the constructionindustry consisting of:

a. Listed Items - Items listed in the Declarations;

b. Unlisted Items - Items you own or you have borrowed from others that are not specifically listed by itemin the Declarations. The Limit of Insurance for this property is shown in the Declarations, but we will notpay more than the amount shown for any one item;

c. Leased or Rented Items - Items, not listed in the Declarations, that you have leased or rented fromothers.

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"Contractors Equipment" does not include:

a. Contraband, or property in the course of illegal transit or trade;

b. Vehicles designed and principally used to transport property or persons over public roads;

c. Aircraft or watercraft;

d. Items leased, rented or loaned to others; unless they have agreed in writing to be liable for the items, orthe item is to be operated by you or your employee when in use.

3. "Earth movement" means any movement of the earth (other than "sinkhole collapse"), including but notlimited to:

a. Earthquake;

b. Landslide;

c. Earth sinking, rising or shifting; or

d. Volcanic eruption, explosion or effusion;

all whether naturally occurring or due to man-made or other artificial causes.

4. "Earth Movement Annual Aggregate Limit of Insurance" means the most we will pay for all covered "earthmovement" occurrences in any one policy year.

Each policy year:

a. Begins with the inception date or anniversary date of this policy, and

b. Ends at the next anniversary date or the expiration date of this policy.

5. "Earth Movement Deductible" means the Deductible applicable in any one occurrence of loss or damagefrom "earth movement".

a. When a percentage (%) is shown in the Declarations, we will calculate the dollar amount of thedeductible by multiplying the applicable percentage shown in the Declarations by the value, at the timeof loss or damage, of the property that has sustained loss or damage.

b. When a percentage (%) is shown in any Deductible Schedule, we will calculate the applicable dollaramount of the deductible by multiplying the applicable percentage shown in that Deductible Scheduleby the applicable deductible basis shown in that Deductible Schedule.


6. "Earth Movement Limit of Insurance" means the most we will pay for loss or damage in any oneoccurrence caused directly or indirectly by "earth movement", regardless of any other cause or event thatcontributes concurrently or in any sequence to the loss or damage.

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But if loss or damage by fire, explosion or "volcanic action" results from "earth movement", the "EarthMovement Limit of Insurance" will not apply to the resulting loss or damage. Instead, we will pay up to theapplicable Limit of Insurance shown in the Declarations that would otherwise apply to loss or damage byfire, explosion or "volcanic action". We will also pay up to such applicable Limit of Insurance for loss ordamage by building glass breakage resulting from volcanic eruption, explosion or effusion.

All "earth movement" that occurs within any 168 - hour period will constitute a single occurrence. Theexpiration of this policy will not reduce the 168 - hour period.

Any payment under the "Earth Movement Limit of Insurance" is included within and will not increase theapplicable Limit of Insurance shown elsewhere in this policy.

7. "Expendable supplies" means consumable and periodic maintenance items, held exclusively for theservicing of "Contractors Equipment", including, but not limited to, oil, grease, fuel, filters, and spark plugs.

8. "Flood" means:

a. Surface water, waves, tides, tidal waves, tsunami, overflow of any body of water, or their spray, allwhether driven by wind or not;

b. Mudslide or mudflow;

c. Water that backs up from a sewer or drain; or

d. Water under the ground surface pressing on, or flowing or seeping through:

(1) Foundations, walls, floors or paved surfaces;

(2) Basements, whether paved or not; or

(3) Doors, windows or other openings;

all whether naturally occurring or due to man-made or other artificial causes.

9. "Flood Annual Aggregate Limit of Insurance" means the most we will pay for all covered "flood"occurrences in any one policy year.

Each policy year:

a. Begins with the inception date or anniversary date of this policy, and

b. Ends at the next anniversary date or the expiration date of this policy.

10. "Flood Deductible" means the Deductible applicable in any one occurrence of loss or damage from "flood".



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11. "Flood Limit of Insurance" means the most we will pay for loss or damage in any one occurrence causeddirectly or indirectly by "flood", regardless of any other cause or event that contributes concurrently or inany sequence to the loss or damage.

But if loss or damage by fire, explosion, or leakage or discharge from an automatic sprinkler system resultsfrom "flood", the "Flood Limit of Insurance" will not apply to the resulting loss or damage. Instead, we willpay up to the applicable Limit of Insurance shown in the Declarations that would otherwise apply to loss ordamage by fire, explosion, or leakage or discharge from an automatic sprinkler system.

Any payment under the "Flood Limit of Insurance" is included within and will not increase the applicableLimit of Insurance shown elsewhere in this policy.

12. "Maximum Amount of Payment" means the most we will pay in any one occurrence of loss or damage.

13. "Pollutants" means any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor,soot, fumes, acids, alkalis, chemicals or waste. Waste includes materials to be recycled, reconditioned orreclaimed.

14. "Replacement items" means equipment similar to the "Contractors Equipment" used in your businessoperations that you must rent due to loss or damage caused by or resulting from a Covered Cause of Lossto your "Contractors Equipment". "Replacement items" are only those items which are:

a. Necessary to continue your normal business operations; and

b. Needed because you do not have idle "Contractors Equipment" which can do the same work.

15. "Sinkhole collapse" means the sudden sinking or collapse of land into underground empty spaces createdby the action of water on limestone or dolomite. "Sinkhole collapse" does not mean the cost of fillingsinkholes or the sinking or collapse of land into man-made underground cavities.

16. "Specified causes of loss" means fire; lightning; explosion; "windstorm"; smoke; aircraft or vehicles; riot orcivil commotion; vandalism; leakage from fire extinguishing equipment; "sinkhole collapse"; "volcanicaction"; falling objects; weight of snow, ice or sleet; "water damage".

a. Falling objects does not include loss or damage to:

(1) Personal property in the open; or

(2) The interior of a building or structure or personal property inside a building or structure, unless theroof or an outside wall of the building or structure is first damaged by a falling object.

b. "Water damage" means accidental discharge or leakage of water or steam as the direct result of thebreaking or cracking of any part of a system or appliance containing water or steam.

17. "Volcanic action" means direct loss or damage resulting from the eruption of a volcano when the loss ordamage is caused by:

a. Airborne volcanic blast or airborne shock waves;

b. Ash, dust or particulate matter; or

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c. Lava flow.

"Volcanic action" does not mean the cost to remove ash, dust or particles that do not cause direct physicalloss or damage.

All volcanic eruptions that occur within any 168 - hour period will constitute a single occurrence.

18. "Windstorm" means wind or hail.

19. "Windstorm Deductible" means the Deductible applicable in any one occurrence of loss or damage causeddirectly or indirectly by "windstorm".

If loss or damage by rain, snow, sand or dust occurs and that loss or damage would not have occurred butfor the "windstorm", such loss or damage will be considered to be caused by a "windstorm" occurrence.




The "Windstorm Deductible" does not apply to property in transit.

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THIS ENDORSEMENTCHANGESTHE POLICY. PLEASE READ IT CAREFULLY.

CELLULAR TELECOMMUNICATIONSEQUIPMENTAND MEDIA COVERAGEFORM

THIS ENDORSEMENTMODIFIES INSURANCEPROVIDED UNDERTHE FOLLOWING:

COMMERCIALINLAND MARINE COVERAGEPART

AMENDINGFORMCM T0 01 07 86, CELLULAR TELECOMMUNICATIONSEQUIPMENTAND MEDIACOVERAGEFORM, ITEM K. EXCEPTION TO READ:

CELLULAR TELECOMMUNICATIONSEQUIPMENTAND MEDIA COVERAGE$5,000EXCEPT WINDSTORM2%, $50,000 MINIMUM

CM T8 00 1

COMMERCIAL INLAND MARINEPOLICY NUMBER: GENERAL PURPOSE ENDORSEMENT

Page

COMM RCI L INLA D MA INEE A N R


FEDERA TERRORISM RISKLINSURANCE ACT DISCLOSURE


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The fe eral Terro ism Risk In urance Act o 2002 a 83% wi h re pd r s f s t s ect to such Insured Lo se o currings s c inam nded ("TRIA ) e tabli he a program under whi h calen ar year 2017.e " s s s c dthe Federal Gov r men may partial y reim urse "Ine n t l b - 82% wi h re pect to such Insured Lo se o curring int s s s csure Lo se " (a de ined in TRIA ca sed by "Actd s s s f ) u s calen ar year 2018.dOf Te ro i m (a de ined in TRIA). "Act Of Ter ori mr r s " s f r s "

81% wi h re pect to such Insured Lo se o curring it s s s c ni de i ed i Sectio 102(1) o TRIA to mea any a ts f n n n f n ccalen ar year 2019.dthat i ce t fie by the Secreta y o the Trea ury ins r i d r f s

consulta ion wit the Se re ary o Home and Se urityt h c t f l c 80% wi h re pect to such Insured Lo se o curring it s s s c nand the Attorney General o the Uni ed State to bef t s calen ar year 2020.dan act o te rori m to be a v o en act or an a t that isf r s ; i l t c In no ev nt, howev r, wi l the Fede al Gov rnme t bee e l r e ndangerou to huma l fe property o infra tructu e; tos n i , , r s r re ui ed to pay any portio o the am unt of such In-q r n f ohav re ul ed in dam ge wi hin the United State , oe s t a t s r sure Lo se o curring in a ca e dar yea that in thed s s c l n rou side the Uni ed State in the ca e o ce tain ait t s s f r r aggregate ex eed $100 bil io , nor wil any Insurec s l n l rca rie s or v sse s or the prem se o a United Stater r e l i s f s be requi ed to pay any port o o such am unt prov d-r i n f o iM ssion and to hav been com i ted by an i div duali ; e m t n i ed that such Insurer ha met i s Insurer Dedu tibles t c .or i div dual a part o an e f rt to coe ce the civ l an i s s f f o r i i n There o e, if such Insured Lo se o currin in a calf r s s c g -popula ion o the Uni ed State or to infl ence thet f t s u enda year ex ee $100 bill on in the agg egate, ther c d i rpo i y o a f ct the conduct o the United Sta es Govl c r f e f t - am unt o any paym nts by the Federal Gov rnme to f e e nernm n by oer ion.e t c c and any cov rage prov ded by thi poli y fo lo see i s c r s sThe Fede al Gov rnme t s sha e of compensa ion for e n ' r t r caused y ct O e rori m ay e reduced.b A s f T r s m bsuch Insured Lo se is e tabli hed by TRIA and i as s s s s The charge fo such Insured Lo se unde thi Covr s s r s -pe centage o the am unt o such Insured Lo se inr f o f s s erage Part i in luded in the Cov rage Pa t prem ums c e r i .ex e s o ea h Insurer' "Insure Deductible (a de-c s f c s r " s The charge fo such Insured Lo se that ha beer s s s nfi e in TRIA , subject to the "Program Trigger" (an d ) s i clu ed fo thi Cov rage Part i indi a ed below,n d r s e s c tde i ed in TRIA . Through 2020, that pe centage if n ) r s and doe no include any cha ge fo the po tio os t r r r n fe tabl shed by TRIA a fo lows:s i s l such In ured Losse cov red by the Federal Govs s e -85% wi h re pect to such Insured Lo se o curring i ernm nt s s s c n e t under TRI :Acalen ar year 2015.d

1% o your to al Com ercia Inland Marine Covf t m l -84% wi h re pect to such Insured Lo se o curring it s s s c n erage Pa t rem umr p i .calen ar year 2016.d

CM 3 9 01 15T 8 © 2015 The Travelers Indemnity Company. All rights reserved. Pa e 1 of 1gIncludes copyrighted material of Insurance Services Off ce, Inc. with its permis ion.i s

INTERLINEENDORSEMENTS


FEDERAL TERRORISM RISK INSURANCE ACTDISCLOSURE

This endorsement applies to the insurance provided under the following:

COMMERCIAL EXCESS LIABILITY (UMBRELLA) INSURANCECOMMERCIAL GENERAL LIABILITY COVERAGE PARTCYBERFIRST ESSENTIALS LIABILITY COVERAGE PARTCYBERFIRST LIABILITY COVERAGEEMPLOYEE BENEFITS LIABILITY COVERAGE PARTEMPLOYMENT-RELATED PRACTICES LIABILITY COVERAGE PART

+EMPLOYMENT PRACTICES LIABILITY WITH IDENTITY FRAUD EXPENSE REIMBURSEMENTCOVERAGE PART

ENVIRONMENTAL HAZARD POLICYEXCESS (FOLLOWING FORM) LIABILITY INSURANCELAW ENFORCEMENT LIABILITY COVERAGE PARTLIMITED ABOVE GROUND POLLUTION LIABILITY COVERAGE PARTLIQUOR LIABILITY COVERAGE PARTMEDFIRST PRODUCTS/COMPLETED OPERATIONS, ERRORS AND OMISSIONS, AND

INFORMATION SECURITY LIABILITY COVERAGE FORMOWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PARTPRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PARTPUBLIC ENTITY MANAGEMENT LIABILITY COVERAGE PARTRAILROAD PROTECTIVE LIABILITY COVERAGE PARTSPECIAL PROTECTIVE AND HIGHWAY LIABILITY POLICY NEW YORK DEPARTMENT OF

TRANSPORTATIONTRIBAL BUSINESS MANAGEMENT LIABILITY COVERAGE PARTAny other Commercial Liability coverage included in this policy that is subject to the federal Terrorism

Risk Insurance Act of 2002 as amended

PROVISIONS

The federal Terrorism Risk Insurance Act of 2002 as amended ("TRIA") establishes a program under which theFederal Government may partially reimburse "Insured Losses" (as defined in TRIA) caused by "Acts Of Terrorism"(as defined in TRIA). Act Of Terrorism is defined in Section 102(1) of TRIA to mean any act that is certified by theSecretary of the Treasury in consultation with the Secretary of Homeland Security and the Attorney General ofthe United States to be an act of terrorism; to be a violent act or an act that is dangerous to human life, property,or infrastructure; to have resulted in damage within the United States, or outside the United States in the case ofcertain air carriers or vessels or the premises of a United States Mission; and to have been committed by an indi-vidual or individuals as part of an effort to coerce the civilian population of the United States or to influence thepolicy or affect the conduct of the United States Government by coercion.

The Federal Government's share of compensation for such Insured Losses is established by TRIA and is a per-centage of the amount of such Insured Losses in excess of each Insurer's "Insurer Deductible" (as defined inTRIA), subject to the "Program Trigger" (as defined in TRIA). Through 2020, that percentage is established byTRIA as follows:

85% with respect to such Insured Losses occurring in calendar year 2015.




81% with respect to such Insured Losses occurring in calendar year 2019.80% with respect to such Insured Losses occurring in calendar year 2020.

IL T3 68 01 15 © 2015 The Travelers Indemnity Company. All rights reserved. Page 1 of 2Includes copyrighted material of Insurance Services Office, Inc., with its permission.

In no event, however, will the Federal Government be required to pay any portion of the amount of such InsuredLosses occurring in a calendar year that in the aggregate exceeds $100 billion, nor will any Insurer be required topay any portion of such amount provided that such Insurer has met its Insurer Deductible. Therefore, if such In-sured Losses occurring in a calendar year exceed $100 billion in the aggregate, the amount of any payments bythe Federal Government and any coverage provided by this policy for losses caused by Acts Of Terrorism may bereduced.

For each coverage provided by this policy that applies to such Insured Losses, the charge for such Insured Loss-es is included in the premium for such coverage. The charge for such Insured Losses that has been included foreach such coverage is indicated below, and does not include any charge for the portion of such Insured Lossescovered by the Federal Government under TRIA.

1% of each applicable Commercial Liability Coverage premium.

Page 2 of 2 © 2015 The Travelers Indemnity Company. All rights reserved. IL T3 68 01 15Includes copyrighted material of Insurance Services Office, Inc., with its permission.


CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM

This endorsement modifies insurance provided under the following:BOILER AND MACHINERY COVERAGE PARTCOMMERCIAL EXCESS LIABILITY (UMBRELLA) INSURANCECOMMERCIAL GENERAL LIABILITY COVERAGE PARTCOMMERCIAL INLAND MARINE COVERAGE PARTCOMMERCIAL PROPERTY COVERAGE PARTCYBERFIRST ESSENTIALS LIABILITY COVERAGE PARTCYBERFIRST LIABILITY COVERAGEDELUXE PROPERTY COVERAGE PARTEMPLOYEE BENEFITS LIABILITY COVERAGE PARTEMPLOYMENT-RELATED PRACTICES LIABILITY COVERAGE PART

+EMPLOYMENT PRACTICES LIABILITY WITH IDENTITY FRAUD EXPENSE REIMBURSEMENTCOVERAGE PART

ENVIRONMENTAL HAZARD POLICYEQUIPMENT BREAKDOWN COVERAGE PARTEXCESS (FOLLOWING FORM) LIABILITY INSURANCELAW ENFORCEMENT LIABILITY COVERAGE PARTLIMITED ABOVE GROUND POLLUTION LIABILITY COVERAGE PARTLIQUOR LIABILITY COVERAGE PARTMEDFIRST PRODUCTS/COMPLETED OPERATIONS, ERRORS AND OMISSIONS, AND

INFORMATION SECURITY LIABILITY COVERAGE FORMOWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PARTPRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PARTPUBLIC ENTITY MANAGEMENT LIABILITY COVERAGE PARTRAILROAD PROTECTIVE LIABILITY COVERAGE PARTSPECIAL PROTECTIVE AND HIGHWAY LIABILITY POLICY NEW YORK DEPARTMENT OF

TRANSPORTATIONTRIBAL BUSINESS MANAGEMENT LIABILITY COVERAGE PARTAny other Coverage Part or Coverage Form included in this policy that is subject to the federal Terrorism

Risk Insurance Act of 2002 as amended

"Certified act of terrorism" means an act that is certi-The following is added to this policy. This provisionfied by the Secretary of the Treasury, in accordancecan limit coverage for any loss arising out of a "certi-with the provisions of "TRIA", to be an act of terrorismfied act of terrorism" if such loss is otherwise coveredpursuant to "TRIA". The criteria contained in "TRIA"by this policy. This provision does not apply if and tofor a "certified act of terrorism" include the following:the extent that coverage for the loss is excluded or1. The act resulted in insured losses in excess of $5limited by an exclusion or other coverage limitation for

million in the aggregate, attributable to all types oflosses arising out of "certified acts of terrorism" in an-insurance subject to "TRIA"; andother endorsement to this policy.

2. The act is a violent act or an act that is dangerousIf aggregate insured losses attributable to "certifiedto human life, property or infrastructure and isacts of terrorism" exceed $100 billion in a calendarcommitted by an individual or individuals as partyear and we have met our insurer deductible underof an effort to coerce the civilian population of the"TRIA", we will not be liable for the payment of anyUnited States or to influence the policy or affectportion of the amount of such losses that exceedsthe conduct of the United States Government by$100 billion, and in such case, insured losses up tocoercion.that amount are subject to pro rata allocation in ac-

"TRIA" means the federal Terrorism Risk Insurancecordance with procedures established by the Secre-Act of 2002 as amended.tary of the Treasury.

IL T4 14 01 15 © 2015 The Travelers Indemnity Company. All rights reserved. Page 1 of 1Includes copyrighted material of Insurance Services Office, Inc., with its permission.


EXCLUSION OF LOSS DUE TO VIRUS OR BACTERIA


COMMERCIAL PROPERTY COVERAGE PARTCOMMERCIAL INLAND MARINE COVERAGE PARTFARM COVERAGE PART

A. The exclusion set forth in Paragraph B. applies to croorganism that induces or is capable of induc-ing physical distress, illness or disease.all coverage under all forms and endorsements

that comprise this Coverage Part or Policy, in- C. With respect to any loss or damage subject to thecluding but not limited to forms or endorsements exclusion in Paragraph B., such exclusion super-that cover property damage to buildings or per- sedes any exclusion relating to "pollutants".sonal property and forms or endorsements that D. The terms of the exclusion in Paragraph B., or thecover business income, extra expense, rental inapplicability of this exclusion to a particular loss,value or action of civil authority. do not serve to create coverage for any loss that

B. We will not pay for loss or damage caused by or would otherwise be excluded under this Coverageresulting from any virus, bacterium or other mi- Part or Policy.

IL T3 82 05 13 © 2013 The Travelers Indemnity Company. All rights reserved. Page 1 of 1Includes copyrighted material of Insurance Services Office, Inc. with its permission.


NUCLEAR ENERGY LIABILITY EXCLUSIONENDORSEMENT

(Broad Form)


COMMERC TO ILE C GE TIAL AU MOB OVERA PARCOMMERC GENERAL L ITY VERA AIAL IABIL CO GE P RTFARM C GE TOVERA PARLIQUOR ILI C GELIAB TY OVERA PARTMEDICAL PR FESS LIAB Y C GE ARTO IONAL ILIT OVERA PO NER ONTR ORS PR ECT IABI OVER PARW S AND C ACT OT IVE L LITY C AGE TPOLLUTI IABIL CO GE PON L ITY VERA ARTPRODUCTS PLETED PERA ONS LI TY COVERA PART/COM O TI ABILI GERAILROAD TECT LIAB TY C GE RTPRO IVE ILI OVERA PAUNDERGROUND S ORAGE ANK PT T OLICY

1. The insurance does not apply: "hazardous properties" o "nuc mater l",f lear iai :fA. Under any Liabil Co erage, to "bod y in-ity v il(1) (a)The "nuclear mater l" is at any "nu-iajury" "property mage":or da

clear fac i " owned by, or operated by oril ty(1) W t respect to which an "insured" underi hon behal o , an " nsured" or has beenf f i (b)the pol is also an insured under a nu-icydischarged or dispersed therefro ;mclear energy l abi ity pol issued by Nu-i l icy

(2) The "nuclear ma l" is contained interiaclear Energy Liab i Insurance Associa-il ty"spent fuel or "waste" at any t me pos-" ition, Mutual Ato ic Energy L l Un-m iabi itysessed, handled, used, processed,derwriters, Nuclear Insurance Associationstored, transported or disposed of, by orof Canada or any o their successors, orfon behal f " "; orf o an insuredwould be an insured under any such pol-

icy but f m ion upon e haustionor its ter inat x (3) The "bodi injury or "property damage"ly "of ts l m o l l ; ori i it f iabi ity arises out of the f by an " n-urnishing i

sured" of ser ices, mater parts orv ials,(2) Resulting fro the "hazardous properties"mequipment in connect with the plan-ionof "nuc ma ial" and with respect tolear terning, construct ma opera-ion, intenance,which any person or organizat is(a) iontion or use of any "nuclear fa l ", but ici ity frequired to ma in f nc protec ioninta ina ial tsuch fac l is located with the Unii ity in tedpursuant to the Ato ic Energy Act om fStates o A rica its terr tories or pos-f me , i1954, or any law amendatory thereo , orfsessions or Canada, this exclusion (3)(b) the " " is, or had this pol notinsured icyapplies only to "property da " to suchmagebeen issued would be, ent led to indeit m-"nuclear i ity" thereat.fac l and any propertynity fro the Un States o A ica orm ited f mer ,

any agency thereo ef, under any agre ment 2. As used in th rsement:is endoentered into by the Uni Sta ofted tes

"Hazardous properties" includes radioacti , to icve xA rica or any agency thereof with anyme , ,or exp v ies.losi e propertperson or organization."Nuclear ma l" means "source ma l", "spe-teria teriaB. Under any Medi Pay co erage, tocal ments vcial mater l" or "by-product ter "nuclear ia ma ial .expenses incurred with respect to "bodi in-ly

jury" result f m the "hazardous properties"ing ro "Source mater l", "special nuclear mater l", andia iaof "nuc ma l" and arising out o thelear teria f "by-product ma eria " ha e the meanings git l v venoperation o a "nuc fac li " by any personf lear i ty them in the Ato i Energy Ac o 1954 or in anym c t for organization. law amendatory f.thereo

C. Under any Liabil Co erage, to "bod y in-ity v il "Spent fue " means any f ele t or fue col uel men l m-jury" or "property da " result f mmage ing ro ponent, solid or l , which has been used oriquid

exposed to radiat in a "nuclear ".ion reactor

IL 00 21 09 08 IS Propert , 2007 Page 1 o 2O ies, Inc. f

the tota a o such mater l in thel mount f ia" aste" means any waste mater l conta ingW ia in(a)custody of the " " at the pre isesinsured m"by-product mater " other than the ta ings orial ilwhere such equipment or de i is lo-v cewastes produced by the e tract or concentra-x ioncated consists of or conta more thaninstion o uraniu or thor m f m any ore proc-f m iu ro25 grams o p iu or uran m 233 orf luton m iuessed primar f its "source mater " content,ily or ialany co ion thereof or more thanmbinat ,and resulting f m the operat by any per-(b) ro ion250 grams o iuf uran m 235;son or organizat o any "nuc fa l " in-ion f lear ci ity

(d) Any structure, basin, e v tion, prexca a m-cluded under the f two paragraphs of the defirst i-ises or place prepared or used for thenit f "nuclear fac l ty".ion o i istorage or disposal o "waste";f"Nuclear ci ity means:fa l "

and includes the site on which any of the fo o-reg(a) Any "nuclear "reactor ;ing is located, a operations conducted on suchll

(b) Any equip or de i designed orment v ce site and al m ses used forl pre i such operations.used for separating the isotopes of(1)

"Nuclear reactor" m any apparatus designedeansuranium or pluton m, processing oriu (2)or used to sustain nuclear f in a sel -ission futi zing "spent fuel" or handlli , ing,(3)supporting cha react or to conta a c tiin ion in ri calprocessing or packaging "waste";mass of f teriaissionable ma l.(c) Any equip or de i used for thement v ce"Property da " inc all for o radioac-mage ludes ms fprocessing, fabricat or a y oing llo ing fti e m ion o .v conta inat f property"special nuc ma eria " i at any t melear t l f i

Page 2 o 2 IS Propert , 2007f O ies, Inc. IL 00 21 09 08


RHODE ISLAND CHANGES CIVIL UNION


COMMERCIAL AUTOMOBILE COVERAGE PARTCOMMERCIAL GENERAL LIABILITY COVERAGE PARTCOMMERCIAL LIABILITY UMBRELLA COVERAGE PARTELECTRONIC DATA LIABILITY COVERAGE PARTFARM COVERAGE PARTFARM UMBRELLA LIABILITY POLICYLIQUOR LIABILITY COVERAGE PARTMEDICAL PROFESSIONAL LIABILITY COVERAGE PARTOWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PARTPOLLUTION LIABILITY COVERAGE PARTPRODUCT WITHDRAWAL COVERAGE PARTPRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PARTUNDERGROUND STORAGE TANK POLICY

A. The term "spouse" is replaced by the following: Car Coverage Broadened Coverage ForNamed Individuals endorsement is attached;Spouse or party to a civil union recognized underorRhode Island law.

3. You by blood, adoption, marriage or civil un-B. Under the Commercial Automobile Coverageion recognized under Rhode Island law, whoPart, the term "family member" is replaced by theis a resident of your household, including afollowing and supersedes any other provisions toward or foster child, if the Individual Namedthe contrary:Insured endorsement is attached.

"Family member" means a person related to:C. With respect to coverage for the ownership, main-

1. An individual Named Insured by blood, adop- tenance or use of "covered autos" provided undertion, marriage or civil union recognized under the Commercial Liability Umbrella Coverage Part,Rhode Island law, who is a resident of such the term "family member" is replaced by the fol-Named Insured's household, including a ward lowing:or foster child;

"Family member" means a person related to you2. The individual named in the Schedule by by blood, adoption, marriage or civil union recog-

blood, adoption, marriage or civil union rec- nized under Rhode Island law, who is a residentognized under Rhode Island law, who is a of your household, including a ward or fosterresident of the individual's household, includ- child.ing a ward or foster child, if the Drive Other

IL 01 61 03 12 Insurance Services Office, Inc., 2011 Page 1 of 1


RHODE ISLAND CHANGES


COMMERC GENERAL L ITY VERA AIAL IABIL CO GE P RTCOMMERC ABILI UMBRELLA C AGE ARTIAL LI TY OVER PCOMMERC OPER LIAB TY C ERAGE ORMIAL PR TY LEGAL ILI OV FCOMMERC OPER T EHOLDERS AND SSI OVERA FIAL PR TY MOR GAG ERRORS OMI ONS C GE ORMEMPLOY -R PRAC LIAB TY C VERAGE TMENT ELATED TICES ILI O PAREQUIP BREA W OVERA PARTMENT KDO N C GEFARM L ILIT VERA FORIAB Y CO GE MFARM U IABIL PMBRELLA L ITY OLICYLIQUOR ILI OVERA PARTLIAB TY C GEMEDICAL PR FESS NAL ILIT OVERA PO IO LIAB Y C GE ARTO NER ONTR ORS PR ECT IABI OVER PARW S AND C ACT OT IVE L LITY C AGE TPOLLUTI IABIL CO GE PON L ITY VERA ARTPRODUCTS PLETED PERA ONS LI TY COVERA PART/COM O TI ABILI GERAILROAD TECT LIAB TY C GE RTPRO IVE ILI OVERA PAUNDERGROUND S ORAGE ANK PT T OLICY

B. The llowing pro isfo v ion is added:A. T O RiThe fo lowing is added to thel ransfer f ghtsOf Recovery Against hers o UsOt T Cond ion:it DIREC LIABIL TY FT I O INSURERSW an insurer or its agents reco payhen ver ment W wi be direc l for those sums the in-e ll tly iableon a casualty loss fro a th party through sub-m ird sured becomes legall ob to pay as dam-y ligatedrogation, the insurer must f pay the insured theirst ages to the injured party to which this insurancedeductible port o the casualty loss, less theion f applies. In the e ent o that in party's death,v f juredprorated share of subrogation expenses and we wil be directl l for those sums the in-l y iablethereaf reta any f in e of the de-ter in unds xcess sured becomes legall ob ted to pay as dam-y ligaductib ion o the reco eryle port f v . ages to the party ent led to sue as a result o theit f

injured party's death, and to which this insuranceapplies.

IL 01 97 809 0 IS Propert , 2007 Page 1 o 1O ies, Inc. f


EXCLUSION OF CERTAIN COMPUTER-RELATED LOSSESDUE TO DATES OR TIMES


BOILER AND MACHINERY COVERAGE PARTCOMMERCIAL CRIME COVERAGE PARTCOMMERCIAL INLAND MARINE COVERAGE PARTCOMMERCIAL PROPERTY COVERAGE PART

A. We will not pay for loss ("loss") or damage replacement or supervision provided or donecaused directly or indirectly by any of the follow- by you or for you to determine, rectify or testing. Such loss ("loss") or damage is excluded re- for, any potential or actual problems de-gardless of any other cause or event that contrib- scribed in Paragraph A.1. of this endorse-utes concurrently or in any sequence to the loss ment.("loss") or damage.

B. If an excluded Cause of Loss as described in1. The failure, malfunction or inadequacy of: Paragraph A. of this endorsement results:

a. Any of the following, whether belonging to 1. In a Covered Cause of Loss under the Boilerany insured or to others: and Machinery Coverage Part, the Commer-(1) Computer hardware, including micro- cial Crime Coverage Part or the Commercial

processors; Inland Marine Coverage Part; or(2) Computer application software; 2. Under the Commercial Property Coverage

Part:(3) Computer operating systems and re-lated software; a. In a "Specified Cause of Loss", in eleva-

tor collision resulting from mechanical(4) Computer networks;breakdown, or from theft (if insured) un-(5) Microprocessors (computer chips) notder the Causes of Loss Special Form;part of any computer system; oror

(6) Any other computerized or electronicb. In a Covered Cause of Loss under theequipment or components; or

Causes of Loss Basic Form or theb. Any other products, and any services,Causes of Loss Broad Form;data or functions that directly or indirectly

we will pay only for the loss ("loss") or damageuse or rely upon, in any manner, any ofthe items listed in Paragraph A.1.a. of this caused by such "Specified Cause of Loss", eleva-

tor collision, theft, or a Covered Cause of Loss.endorsement;

due to the inability to correctly recognize, proc- C. We will not pay for repair, replacement or modifi-ess, distinguish, interpret or accept one or more cation of any items in Paragraphs A.1.a. anddates or times. An example is the inability of A.1.b. of this endorsement to correct any defi-computer software to recognize the year 2000. ciencies or change any features.2. Any advice, consultation, design, evaluation,

inspection, installation, maintenance, repair,

IL T3 55 05 13 © 2013 The Travelers Indemnity Company. All rights reserved. Page 1 of 1Includes copyrighted material of Insurance Services Office, Inc. with its permission.


RHODE ISLAND CHANGES CANCELLATIONAND NONRENEWAL


COMMERCIAL GENERAL LIABILITY COVERAGE PARTCOMMERCIAL INLAND MARINE COVERAGE PARTCRIME AND FIDELITY COVERAGE PARTDELUXE PROPERTY COVERAGE PARTEMPLOYMENT-RELATED PRACTICES LIABILITY COVERAGE PARTEQUIPMENT BREAKDOWN COVERAGE PARTLIQUOR LIABILITY COVERAGE PARTMEDICAL PROFESSIONAL LIABILITY COVERAGE PARTPOLLUTION LIABILITY COVERAGE PARTPRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART

A. b.With respect to the: Fraud or material misrepresentationmade by you or with your knowledge inCommercial Inland Marine Coverage Partobtaining the policy, continuing the pol-

Deluxe Property Coverage Part icy, or in presenting a claim under thepolicy;Paragraph of the Common1. CANCELLATION

Policy Conditions Deluxe is replaced by the c. Activities or omissions on your part whichfollowing: increase any hazard insured against, in-

cluding a failure to comply with loss con-1. The first Named Insured shown in the Decla-trol recommendations;rations may cancel this policy by giving, mail-

ing or delivering advance written notice of d. Change in the risk which increases thecancellation to us or to the insurance agent or risk of loss after insurance coverage hasproducer who issued the policy. been issued or renewed, including but not

limited to an increase in exposure due toB. With respect to all Coverage Parts and Policiesregulation, legislation, or court decision;addressed in this endorsement, the CANCELLA-

TION Common Policy Conditions Deluxe is e. Loss or decrease of our reinsurance cov-amended by replacing Paragraphs , , and2. 3. 5. ering all or part of the risk or exposure6. with the following: covered by the policy;2. We may cancel this policy by giving, mailing f. Determination by the Commissioner of

or delivering to the first Named Insured and Insurance that the continuation of the pol-the insurance agent or producer of record, if icy would jeopardize our solvency orany, written notice of cancellation at least: would place us in violation of the insur-

ance laws of this state;a. 10 days before the effective date of can-cellation if we cancel for nonpayment of g. Owner or occupant incendiarism;premium; or

h. Violation or breach by you of any policyb. 60 days before the effective date of can- terms or conditions;

cellation if we cancel for any other rea-i. Constructive or actual total loss of theson.

Covered Property; orIf this policy has been in effect for 60 days or

j. Such other reasons as may be approvedmore, or if this is a renewal of a policy we is-by the Commissioner of Insurance.sued, we may cancel only for one or more of

the following reasons: We will give, mail or deliver written notice to3.the first Named Insured at the address showna. Nonpayment of premium;


on the policy, and to the insurance producer With respect to all Coverage Parts and PoliciesC.of record, if any. addressed in this endorsement, the following is

added to the Common PolicyCANCELLATIONHowever, with respect to the:Conditions Deluxe:

Commercial Inland Marine Coverage Part7. We will provide you with the reason or rea-

Commercial Property Coverage Part sons for cancellation if:Employment-Related Practices Liability Cov- a. You request in writing a statement of theerage Part reasons for cancellation; andWe will give, mail or deliver written notice to b. You agree in writing to hold us harmlessthe first Named Insured at the last address from liability for any:known to us, and to the insurance producer of

(1) Communication giving notice of, orrecord, if any.specifying the reasons for, cancella-

5. If this policy is cancelled, we will send the tion; orfirst Named Insured any premium refund due.

(2) Statement made in connection withThe cancellation will be effective even if we an attempt to discover or verify thehave not made or offered a refund. existence of conditions which would

be a reason for cancellation as pro-The following provisions govern calculation ofvided under Paragraph B.2.return premium:

D. With respect to all Coverage Parts and Policiesa. We will compute return premium pro rataaddressed in this endorsement, the following isand round to the next higher whole dollaradded and supersedes any provision to the con-when this policy is:trary:(1) Cancelled at our request;Nonrenewal(2) Cancelled because you no longer1. If we elect not to renew this policy, we willhave a financial or insurable interest

give, mail or deliver to the first Named In-in the property or business operationsured and the insurance producer of record, ifthat is the subject of insurance;any, written notice of nonrenewal at least 60(3) Cancelled and rewritten by us or adays before:member of our company group;a. The expiration date of the policy; or(4) Cancelled after the first year, if it is ab. An anniversary date of the policy, if theprepaid policy written for a term of

policy is written for a term longer thanmore than one year; orone year or with no fixed expiration date.(5) Cancelled by us at the request of a

2. However, we need not give, mail or deliverpremium finance company upon de-this notice if:fault of the first Named Insured, when

this policy is financed under a pre- a. We have offered to issue a renewal pol-mium finance agreement. icy; or

b. When this policy is cancelled at your re- b. The first Named Insured has obtained, orquest (except when Paragraph ,a.(2) has agreed in writing to obtain, replace-a.(3) a.(4)or applies), we will return 90% ment coverage.(75% for Equipment Breakdown policies)

E. The following is added to the Common Policyof the pro rata unearned premium,Conditions with respect to the Coverage Parts ofrounded to the next higher whole dollar.which this endorsement applies, except the Em-However, when such cancellation takesployment-Related Practices Liability Coverageplace during the first year of a multiyearPart:prepaid policy, we will return the full an-

nual premium for the subsequent years. If notice of nonrenewal is mailed to the insured,we shall forward the notice of nonrenewal to the6. Proof of giving, mailing or delivering notice oflast known address of the first Named Insured bycancellation will be sufficient proof of notice.first class mail and maintain proof of mailing by

Page 2 of 3 Includes copyrighted material of Insurance Services Office, Inc. with its permission. IL T9 24 01 10

the United States Postal Service certificate of Under the AdditionalH. MORTGAGEHOLDERSmailing. This proof of mailing will be sufficient Conditions, the paragraphs pertaining to cancella-proof of notice. tion and nonrenewal are replaced by the follow-

ing:F. With respect to the:1. If we cancel this policy, we will give, mail orCommercial Inland Marine Coverage Part

deliver written notice to the mortgageholderDeluxe Property Coverage Part at least:The following is added to the Common Policy a. 10 days before the effective date of can-Conditions: cellation if we cancel for your nonpay-

ment of premium; orIf notice of cancellation is mailed to the insured,we shall forward the notice of cancellation to the b. 60 days before the effective date of can-last known address of the first Named Insured by cellation if we cancel for any other rea-first class mail and maintain proof of mailing by son.the United States Postal Service certificate of

2. If we do not renew this policy, we will give,mailing. This proof of mailing will be sufficientmail or deliver written notice to the mort-proof of notice.gageholder at least 10 days before:

G. With respect to a loss payee named in the policy,a. The expiration date of the policy; orif any, we will give, mail or deliver written notice

of cancellation, subject to above, and written An anniversary date of the policy, if theB.2. b.notice of nonrenewal, subject above. Mail- policy is written for a term longer thanD.1.ing will be accomplished in accordance with the one year or with no fixed expiration date.applicable procedure stated in and above.E. F.


POLICYHOLDER NOTICES

IMPORTANT NOTICE INDEPENDENT AGENT AND BROKERCOMPENSATION

NO COVERAGE IS PROVIDED BY THIS NOTICE. THIS NOTICE DOES NOT AMEND ANYPROVISION OF YOUR POLICY. YOU SHOULD REVIEW YOUR ENTIRE POLICYCAREFULLY FOR COMPLETE INFORMATION ON THE COVERAGES PROVIDED AND TODETERMINE YOUR RIGHTS AND DUTIES UNDER YOUR POLICY. PLEASE CONTACTYOUR AGENT OR BROKER IF YOU HAVE ANY QUESTIONS ABOUT THIS NOTICE ORITS CONTENTS. IF THERE IS ANY CONFLICT BETWEEN YOUR POLICY AND THISNOTICE, THE PROVISIONS OF YOUR POLICY PREVAIL.

For information about how Travelers compensates independent agents and brokers, please visitwww.travelers.com, call our toll-free telephone number 1-866-904-8348, or request a written copy from Marketingat One Tower Square, 2GSA, Hartford, CT 06183.

PN T4 54 01 08 Page 1 of 1

RHODE ISLAND NOTICE TO POLICYHOLDERSCONCERNING FLOOD INSURANCE

This policy may not co da resulting fro f od. Flood insurance may be ava le through the Federalver mages m lo ilabE Manage Agency (FE Na l Fl Insurance Program. Contact your insurer or producermergency ment MA) tiona oodfor assistance.

PN 70 09T4 05 Page 1 of 1

To Our Valued Customer,

Each year, homeowners and business owners across the nation sustainsignificant weather-related property damage due to floods. These caninclude losses caused by waves, tidal waters, the overflow of a body ofwater, the rapid accumulation or runoff of surface water, and mudslide. Innearly all cases, these flood losses cannot be prevented or evenanticipated. And, in many instances, the losses are devastating.

Most standard property insurance policies, including most of our policies,do not provide coverage for flood losses. While flood coverage is oftenavailable primarily through the National Flood Insurance Program it israrely purchased. Unfortunately, each year we find that some policyholdersare surprised and disappointed to learn that damages they have sufferedas a direct result of flood are not covered under the policies they havepurchased.

Please review your insurance coverage with your agent or Companyrepresentative. As you consider the need for flood insurance, keep in mindthat floods can, and do, occur in locations all over the country. They arenot limited to coastal areas or locations with nearby rivers or streams.Several inches of rain falling over a short period of time can cause flooddamage, even in normally dry areas that are not prone to flooding.

For further information about Flood Insurance, contact your agent orcompany representative, or contact the National Flood Insurance Programdirectly.

PN T0 53 12 13 Page 1 of 1

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