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Insurance Certificates 2022/23 Eide Bailly LLPA r•Q� rr70 AC)O " CERTIFICATE OF LIABILITY INSURANCE DATE (MM/DD/YYYY) 4/28/2022 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER Dawson Insurance, a Marsh & McLennan Agency LLC company 505 Broadway North, Suite 100 Fargo ND 58102 CONTACT NAME: Holly Fitch PHONE Ext 701-237 3311 FAX No : 701-232-4442 EMAIL ADDREss: Holt .Fitch MarshMMA.com INSURE S AFFORDING COVERAGE NAIC# INSURER A: Phoenix Insurance Company 25623 INSURED EIDEBAILL2 Eide Bailly LLP PO Box 2545 INSURER B: Travelers Property Casualty Co of Amer 25674 INSURER C : Great American Insurance Company 16691 INSURERD: Fargo ND 58103 INSURER E: INSURER F : COVERAGES CERTIFICATE NUMBER: 1258171903 REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES- LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR LTR TYPE -OF INSURANCE DD UBR POLICYNIIMBER POLICY EFF MMIDD/YYYY POLICY EXP MM/DD/YYYY LIMITS A X COMMERCIAL GENERAL LIABILITY 6307206X385 4/29/2022 4129/2023 EACH OCCURRENCE $1,000,000 CLAIMS -MADE OCCUR DAMAGE TO REWE5 PREMISES occurrence $300,000 X MED EXP (Any one person) $ 5,000 0 PERSONAL & ADV INJURY $1,000,000 GEN'LAGGREGATE LIMIT APPLIES PER: GENERALAGGREGATE $2,000,000 XPOLICY E I PRCTO- ❑ LOC JE PRODUCTS - COMP/OPAGG $2,000,000 $ ri OTHER: A AUTOMOBILE LIABILITY BA810663607 4/29/2022 4/29/2023 COMBINED SINGLE LIMIT Ea auident g 1,000,000 BODILY INJURY (Per person) $ ANY AUTO OWNED SCHEDULED AUTOS ONLY AUTOS BODILY INJURY (Per accident) $ X PROPERTY DAMAGE Per accident $ HIRED X NON -OWNED AUTOS ONLY AUTOS ONLY B X UMBRELLA LIAB X OCCUR CUP2J961189 4/29/2022 4/29/2023 EACH OCCURRENCE $15,000,000 AGGREGATE $ 15,000,000 EXCESS LIAB CLAIMS -MADE DED RETENTION $ $ B WORKERS COMPENSATION AND EMPLOYERS' LIABILITY YIN UB9L19981A 4/29/2022 4/29/2023 X PER OTH STATLITE ER ANYPROPRIETOR/PARTNER/EXECUTIVE OFFICER/MEMBER EXCLUDED? ❑ N/A E.L. EACH ACCIDENT $ 1,000,000 E.L. DISEASE - EA EMPLOYEE (Mandatory in NH) $1,000,000 If yes, describe under DESCRIPTION OF OPERATIONS below E.L DISEASE- POLICY LIMIT $1,000,000 C Employee Theft and SAAE8403190000 4/29/2022 4/29/2023 Limit $5,000,000 Dishonesty Ded $25,000 DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) Workers Compensation applies to: AR, AL, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, NE, NH, NJ, NM, NV, NY, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WI & WV Employers Liability applies to above states and ND,OH,WA,WY Zero Deductible for Auto Liability coverage. Hired Auto Physical Damage Deductible Comp/Coll Ded is $500/$500 City of La Qulnta is additional insured including primary and non-contributory coverage, to the extent required by written contract, subject to policy terms and conditions. Waiver of Subrogation applies on the General Liability to the extent required by written contract, subject to policy terms and conditions, Waiver of Subrogation applies on the Workers' Compensation, to the extent required by written contract, subject to policy terms and conditions. 60 days notice of cancellation applies to the extent required by written contract, subject to policy terms and conditions. CERTIFICATE HOLDER CANCELLATION City of La Quinta 78-495 Calle Tampico La Quinta CA 92253 SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. AUTHORIZED REPRESENTATIVE } © 1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25 (2016/03) The ACORD name and logo are registered marks of ACORD Tnay j Cnr�� WORKERS COMPENSATION iT Y G LERS AND ONE TOWER SQUARE EMPLOYERS LIABILITY POLICY HARTFORD CT 06183 ENDORSEMENT WC 99 03 76 ( A) - 001 POLICY NUMBER: UB-9L19981A-21-43-G WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT - CALIFORNIA (BLANKET WAIVER) We have the right to recover our payments from anyone liable for an injury covered by this policy. We will not enforce our right against the person or organization named in the Schedule. The additional premium for this endorsement shall be 2.00 % of the California workers' compensation pre- mium. Schedule Person or Organization Job Description ANY PERSON OR ORGANIZATION FOR WHICH THE INSURED HAS AGREED BY WRITTEN CONTRACT EXECUTED PRIOR TO LOSS TO FURNISH THIS WAIVER. This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated. (The information below is required only when this endorsement is issued subsequent to preparation of the policy.) Endorsement Effective Policy No. Endorsement No. Insured Premium Insurance Company Countersigned by DATE OF ISSUE: 05-17-21 ST ASSIGN: Page 1 of 1 COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BLANKET ADDITIONAL INSURED (Includes Products -Completed Operations If Required By Contract) This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART PROVISIONS The following is added to SECTION II — WHO IS AN INSURED: Any person or organization that you agree in a written contract or agreement to include as an additional insured on this Coverage Part is an insured, but only: a. With respect to liability for "bodily injury" or "property damage" that occurs, or for "personal injury" caused by an offense that is committed, subsequent to the signing of that contract or agreement and while that part of the contract or agreement is in effect; and b. If, and only to the extent that, such injury or damage is caused by acts or omissions of you or your subcontractor in the performance of "your work" to which the written contract or agreement applies. Such person or organization does not qualify as an additional insured with respect to the independent acts or omissions of such person or organization. The insurance provided to such additional insured is subject to the following provisions: a. If the Limits of Insurance of this Coverage Part shown in the Declarations exceed the minimum limits required by the written contract or agreement, the insurance provided to the additional insured will be limited to such minimum required limits. For the purposes of determining whether this limitation applies, the minimum limits required by the written contract or agreement will be considered to include the minimum limits of any Umbrella or Excess liability coverage required for the additional insured by that written contract or agreement. This provision will not increase the limits of insurance described in Section III — Limits Of Insurance. (1) Any "bodily injury", "property damage" or "personal injury" arising out of the providing, or failure to provide, any professional architectural, engineering or surveying services, including: (a) The preparing, approving, or failing to prepare or approve, maps, shop drawings, opinions, reports, surveys, field orders or change orders, or the preparing, approving, or failing to prepare or approve, drawings and specifications; and (b) Supervisory, inspection, architectural or engineering activities. (2) Any "bodily injury' or "property damage" caused by "your work" and included in the "products -completed operations hazard" unless the written contract or agreement specifically requires you to provide such coverage for that additional insured during the policy period. c. The additional insured must comply with the following duties: (1) Give us written notice as soon as practicable of an "occurrence" or an offense which may result in a claim. To the extent possible, such notice should include: (a) How, when and where the "occurrence" or offense took place; (b) The names and addresses of any injured persons and witnesses; and (c) The nature and location of any injury or damage arising out of the "occurrence" or offense. b. The insurance provided to such additional (2) If a claim is made or "suit" is brought against insured does not apply to: the additional insured: CG D2 46 0419 © 2018 The Travelers Indemnity Company. All rights reserved. Page 1 of 2 COMMERCIAL GENERAL LIABILITY (a) Immediately record the specifics of the claim or "suit" and the date received; and (b) Notify us as soon as practicable and see to it that we receive written notice of the claim or "suit" as soon as practicable. (3) Immediately send us copies of all legal papers received in connection with the claim or "suit", cooperate with us in the investigation or settlement of the claim or defense against the "suit', and otherwise comply with all policy conditions. (4) Tender the defense and indemnity of any claim or "suit" to any provider of other insurance which would cover such additional insured for a loss we cover. However, this condition does not affect whether the insurance provided to such additional insured is primary to other insurance available to such additional insured which covers that person or organization as a named insured as described in Paragraph 4., Other Insurance, of Section IV — Commercial General Liability Conditions. Page 2 of 2 © 2018 The Travelers Indemnity Company. All rights reserved. CG D2 46 04 19 COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. XTEND ENDORSEMENT FOR SERVICE INDUSTRIES This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART GENERAL DESCRIPTION OF COVERAGE — This endorsement broadens coverage. However, coverage for any injury, damage or medical expenses described in any of the provisions of this endorsement may be excluded or limited by another endorsement to this Coverage Part, and these coverage broadening provisions do not apply to the extent that coverage is excluded or limited by such an endorsement. The following listing is a general coverage description only. Read all the provisions of this endorsement and the rest of your policy carefully to determine rights, duties, and what is and is not covered. A. Who Is An Insured —Unnamed Subsidiaries B. Who Is An Insured — Employees And Volunteer Workers — Bodily Injury To Co -Employees And Co -Volunteer Workers C. Who Is An Insured — Newly Acquired Or Formed Limited Liability Companies D. Blanket Additional Insured — Broad Form Vendors E. Blanket Additional Insured — Controlling Interest F. Blanket Additional Insured — Mortgagees, Assignees, Successors Or Receivers PROVISIONS A. WHO IS AN INSURED — UNNAMED SUBSIDIARIES The following is added to SECTION II — WHO IS AN INSURED: Any of your subsidiaries, other than a partne rship or joint venture, that is not shown as a Named Insured in the Declarations is a Named Insured if: a. You are the sole owner of, or maintain an ownership interest of more than 50% i n, such subsidiary on the first day of the policy period; and b. Such subsidiary is not an insured under similar other insurance. G. Blanket Additional Insured — Governmental Entities — Permits Or Authorizations Relating To Premises H. Blanket Additional Insured — Governmental Entities — Permits Or Authorizations Relating To Operations I. Blanket Additional Insured — Grantors Of Franchises J. Incidental Medical Malpractice K. Blanket Waiver Of Subrogation b. After the date, if any, during the policy period that you no longer maintain an ownership interest of more than 50% in such subsidiary. For purposes of Paragraph 1. of Section II —Who Is An Insured, each such subsidiary will be deemed to be designated in the Declarations as: a. A limited liability company; b. An organization other than a partnership, joint venture or limited liability company; or c. A trust; as indicated in its name or the documents that govern its structure. B. WHO IS AN INSURED — EMPLOYEES AND VOLUNTEER WORKERS — BODILY INJURY TO CO -EMPLOYEES AND CO -VOLUNTEER WORKERS No such subsidiary is an insured for "bodily The following is added to Paragraph 2.a.(1) of injury" or "property damage" that occurred, or SECTION II —WHO IS AN INSURED: "personal and advertising injury" caused by an Paragraphs (1)(a), (b) and (c) above do not offense committed: apply to "bodily injury" to a co -"employee" while a. Before you maintained an ownership interest in the course of the co -"employee's" employment by you or performing duties related to the of more than 50% i n such subsidiary; or conduct of your business, or to "bodily injury" to CG D4 67 02 19 © 2017 The Travelers Indemnity Company. All rights reserved. Page 1 of 5 Includes copyrighted material of Insurance Services Office, Inc. with its permission. COMMERCIAL GENERAL LIABILITY your other "volunteer workers" while performing duties related to the conduct of your business. C. WHO IS AN INSURED — NEWLY ACQUIRED OR FORMED LIMITED LIABILITY COMPANIES The following replaces Paragraph 3. of SECTION II — WHO IS AN INSURED: 3. Any organization you newly acquire or form, other than a partnership orjoint venture, and of which you are the sole owner or in which you maintain an ownership interest of more than 50%, will qualify as a Named Insured if there is no other similar insurance available to that organization. However: a. Coverage under this provision is afforded only: (1) Until the 180th day after you acquire or form the organization or the end of the policy period, whichever is earlier, if you do not report such organization in writing to us within 180 days after you acquire or form it; or (2) Until the end of the policy period, when that date is later than 180 da ys after you acquire or form such organization, if you report such organization in writing to us within 180 days after you acquire or form it; b. Coverage A does not apply to "bodily injury" or "property damage" that occurred before you acquired or formed the organization; and c. Coverage B does not apply to "personal and advertising injury" arising out of an offense committed before you acquired or formed the organization. For the purposes of Paragraph 1. of Section II — Who Is An Insured, each such organization will be deemed to be designated in the Declarations as: a. A limited liability company; b. An organization, other than a partnership, joint venture or limited liability company; or c. A trust; as indicated in its name or the documents that govern its structure. D. BLANKET ADDITIONAL INSURED — BROAD FORM VENDORS The following is added to SECTION II — WHO IS AN INSURED: Any person or organization that is a vendor and that you have agreed in a written contract or agreement to include as an additional insured on this Coverage Part is an insured, but only with respect to liability for "bodily injury" or "property damage" that: a. Occurs subsequent to the signing of that contract or agreement; and b. Arises out of "your products" that are distributed or sold in the regular course of such vendor's business. The insurance provided to such vendor is subject to the following provisions: a. The limits of insurance provided to such vendor will be the minimum limits that you agreed to provide in the written contract or agreement, or the limits shown in the Declarations, whicheverare less. b. The insurance provided to such vendor does not apply to: (1) Any express warranty not authorized by you or any distribution or sale for a purpose not authorized by you; (2) Any change in "your products" made by such vendor; (3) Repackaging, unless unpacked solely for the purpose of inspection, demonstration, testing, or the substitution of parts under instructions from the manufacturer, and then repackaged in the original container; (4) Any failure to make such inspections, adjustments, tests or servicing as vendors agree to perform or normally undertake to perform in the regular course of business, in connection with the distribution or sale of "your products"; (5) Demonstration, installation, servicing or repair operations, except such operations performed at such vendor's premises in connection with the sale of "your products"; or Page 2 of 5 © 2017 The Travelers Indemnity Company. All rights reserved. CG D4 67 02 19 Includes copyrighted material of Insurance Services Office, Inc. with its permission. COMMERCIAL GENERAL LIABILITY (6) "Your products" that, after distribution or sale by you, have been labeled or relabeled or used as a container, part or ingredient of any other thing or substance by or on behalf of such vendor. Coverage under this provision does not apply to: a. Any person or organization from whom you have acquired "your products", or any ingredient, part or container entering into, accompanying or containing such products; or b. Any vendor for which coverage as an additional insured specifically is scheduled by endorsement. E. BLANKET ADDITIONAL INSURED — CONTROLLING INTEREST 1. The following is added to SECTION II — WHO IS AN INSURED: Any person or organization that has financial control of you is an insured with respect to liability for "bodily injury", "property damage" or "personal and advertising injury" that arises out of: a. Such financial control; or b. Such person's or organization's ownership, maintenance or use of premises leased to or occupied by you. The insurance provided to such person or organization does not apply to structural alterations, new construction or demolition operations performed by or on behalf of such person or organization. 2. The following is added to Paragraph 4. of SECTION II — WHO IS AN INSURED: This paragraph does not apply to any premises owner, manager or lessor that has financial control of you. F. BLANKET ADDITIONAL INSURED — MORTGAGEES, ASSIGNEES, SUCCESSORS OR RECEIVERS The following is added to SECTION II — WHO IS AN INSURED: Any person or organization that is a mortgagee, assignee, successor or receiver and that you have agreed in a written contract or agreement to include as an additional insured on this Coverage Part is an insured, but only with respect to its liability as mortgagee, assignee, successor or receiverfor "bodily injury", "property damage" or "personal and advertising injury" that: a. Is "bodily injury" or "property damage" that occurs, or is "personal and advertising injury" caused by an offense that is committed, subsequent to the signing of that contract or agreement; and b. Arises out of the ownership, maintenance or use of the premises for which that mortgagee, assignee, successor or receiver is required under that contract or agreement to be included as an additional insured on this Coverage Part. The insurance provided to such mortgagee, assignee, successor or receiver is subject to the following provisions: a. The limits of insurance provided to such mortgagee, assignee, successor or receiver will be the minimum limits that you agreed to provide in the written contract or agreement, or the limits shown in the Declarations, whichever are less. b. The insurance provided to such person or organization does not apply to: (1) Any "bodily injury" or "property damage" that occurs, or any "personal and advertising injury" caused by an offense that is committed, after such contract or agreement is no longer in effect; or (2) Any "bodily injury", "property damage" or "personal and advertising injury" arising out of any structural alterations, new construction or demolition operations performed by or on behalf of such mortgagee, assignee, successor or receiver. G. BLANKET ADDITIONAL INSURED — GOVERNMENTAL ENTITIES — PERMITS OR AUTHORIZATIONS RELATING TO PREMISES The following is added to SECTION II — WHO IS AN INSURED: Any governmental entity that has issued a permit or authorization with respect to premises owned or occupied by, or rented or loaned to, you and that you are required by any ordinance, law, building code or written contract or agreement to include as an additional insured on this Coverage Part is an insured, but only with respect to liability for "bodily injury", "property damage" or "personal and advertising injury" arising out of the existence, ownership, use, maintenance, repair, construction, erection or removal of any of the following for which that governmental entity has issued such permit or authorization: advertising signs, awnings, CG D4 67 02 19 © 2017 The Travelers Indemnity Company. All rights reserved. Page 3 of 5 Includes copyrighted material of Insurance Services Office, Inc. with its permission. COMMERCIAL GENERAL LIABILITY canopies, cellar entrances, coal holes, driveways, manholes, marquees, hoist away openings, sidewalk vaults, elevators, street banners or decorations. H. BLANKET ADDITIONAL INSURED — GOVERNMENTAL ENTITIES — PERMITS OR AUTHORIZATIONS RELATING TO OPERATIONS The following is added to SECTION II — WHO IS AN INSURED: Any governmental entity that has issued a permit or authorization with respect to operations performed by you or on your behalf and that you are required by any ordinance, law, building code or written contract or agreement to include as an additional insured on this Coverage Part is an insured, but only with respect to liability for "bodily injury", "property damage" or "personal and advertising injury" arising out of such operations. The insurance provided to such governmental entity does not apply to: a. Any "bodily injury", "property damage" or "personal and advertising injury" arising out of operations performed for the governmental entity; or b. Any "bodily injury" or "property damage" included in the "products -completed operations hazard". I. BLANKET ADDITIONAL INSURED — GRANTORS OF FRANCHISES The following is added to SECTION II — WHO IS AN INSURED: Any person or organization that grants a franchise to you is an insured, but only with respect to liability for "bodily injury", "property damage" or "personal and advertising injury" arising out of your operations in the franchise granted by that person or organization. If a written contract or agreement exists between you and such additional insured, the limits of insurance provided to such insured will be the minimum limits that you agreed to provide in the written contract or agreement, or the limits shown in the Declarations, whichever are less. J. INCIDENTAL MEDICAL MALPRACTICE medical services", first aid or "Good Samaritan services" to a person, unless you are in the business or occupation of providing professional health care services. 2. The following replaces the last paragraph of Paragraph 2.a.(1) of SECTION II — WHO IS AN INSURED: Unless you are in the business or occupation of providing professional health care services, Paragraphs (1)(a), (b), (c) and (d) above do not apply to "bodily injury" arising out of providing or failing to provide: (a) "Incidental medical services" by any of your "employees" who is a nurse, nurse assistant, emergency medical technician, paramedic, athletic trainer, audiologist, dietician, nutritionist, occupational therapist or occupational therapy assistant, physical therapist or speech -language pathologist; or (b) First aid or "Good Samaritan services" by any of your "employees" or "volunteer workers", other than an employed or volunteer doctor. Any such "employees" or "volunteer workers" providing or failing to provide first aid or "Good Samaritan services" during their work hours for you will be deemed to be acting within the scope of their employment by you or performing duties related to the conduct of your business. 3. The following replaces the last sentence of Paragraph 5. of SECTION III — LIMITS OF INSURANCE: For the purposes of determining the applicable Each Occurrence Limit, all related acts or omissions committed in providing or failing to provide "incidental medical services", first aid or "Good Samaritan services" to any one person will be deemed to be one "occurrence". 4. The following exclusion is added to Paragraph 2., Exclusions, of SECTION 1 — COVERAGES — COVERAGE A — BODILY INJURY AND PROPERTY DAMAGE LIABILITY: Sale Of Pharmaceuticals 1. The following replaces Paragraph b. of the "Bodily injury" or "property damage" arising definition of "occurrence" in the out of the violation of a penal statute or ordinance relating to the sale of DEFINITIONS Section: pharmaceuticals committed by, or with the b. An act or omission committed in knowledge or consent of, the insured. providing or failing to provide "incidental Page 4 of 5 © 2017 The Travelers Indemnity Company. All rights reserved. CG D4 67 02 19 Includes copyrighted material of Insurance Services Office, Inc. with its permission. COMMERCIAL GENERAL LIABILITY 5. The following is added to the DEFINITIONS Section: "Incidental medical services" means: a. Medical, surgical, dental, laboratory, x- ray or nursing service or treatment, advice or instruction, or the related furnishing of food or beverages; or b. The furnishing or dispensing of drugs or medical, dental, or surgical supplies or appliances. 6. The following is added to Paragraph 4.b., Excess Insurance, of SECTION IV — COMMERCIAL GENERAL LIABILITY CONDITIONS: This insurance is excess over any valid and collectible other insurance, whether primary, excess, contingent or on any other basis, that is available to any of your "employees" for "bodily injury" that arises out of providing or failing to provide "incidental medical services" to any person to the extent not subject to Paragraph 2.a.(1) of Section II — Who Is An Insured. K. BLANKET WAIVER OF SUBROGATION The following is added to Paragraph 8., Transfer Of Rights Of Recovery Against Others To Us, of SECTION IV — COMMERCIAL GENERAL LIABILITY CONDITIONS: If the insured has agreed in a contract or agreement to waive that insured's right of recovery against any person or organization, we waive our right of recovery against such person or organization, but only for payments we make because of: a. "Bodily injury" or "property damage" that occurs; or b. "Personal and advertising injury" caused by an offense that is committed; subsequent to the execution of the contract or agreement. CG D4 67 02 19 © 2017 The Travelers Indemnity Company. All rights reserved. Page 5 of 5 Includes copyrighted material of Insurance Services Office, Inc. with its permission. COMM RCI L G NERAL IAB LI YE A E L I T COMMERCIA GENERA LIA ILITY COVERA E FORML L B G in thi Re dsa (1)The "bo iy in ur "o "pro e ty da a e idl j y r p r m g " s th e t re po i y ca e ul y to de e m n ri ht , dut e a d bye n i lc r f l t r i e g s i s n a th t n "a t k s pl cea e a wha s a d s no co e e .i hetini t v r d n t Thro g o t th s po i y th wo ds "y u a d "y ur"re eu h u i lc e r o "n o f r (2)The "bo iy in u y o "pro e ty da a edl j r "r p r m g " to th Na e Insure sho n i the a d o cur d ri gemd d w n n c s u n t ep l cy pe i d;a dh o i r o n a y o he pe so o o g n z t o qua i y ng a a Na entr r n r r a i a i n lf i s m d (3)Pri r to th pe i d, no in ure l steo e r o s d i dInureundrthipoi y The wo ds "we ,"us"a dsd e s lc .r "n un e Pa a ra hdr r g p 1.of II –Who Is"o r re e o t e co pa y p o i i g hi i sura ceu" f r t h m n r v dn t s n n .An In ure a d no "e pl y e a t o i esd n m o e "uh r z d The wo d "i sure "m a s a y o ga i a i n by y u torn d e n n r n z t o o gi e o ovrf an qu l fy ng a such undeai i s r II –Who Is An o kn w tha the "bo iy"r e t d l I sure .i j r "o "pro e ty da a e han d nu y r p r m g "d i who e o in If such a li te i surenlr. s d n dOtewods a d phr se tha a p a in quo a i nhr r n a s t p e r t t o "e pl y e k e ,to themo e "n wm rk ha e m a i g.Re e toas v e nn f r V –pe i d th t the "bo iy i j ry oro,a d l nu "rDei ii ns.f n t o "pro e ty da a e ,th n a yprmg"e n SE TI N I –CO ERA ECOVGS co ti u t o o re um ti no suchn n a i n r s p o f "bo iy in ur "o "pro e ty da a edl j y r p r m g "CO ERA E A –B DL IN U Y A D P O E TYVG O I Y J R N R P R o a t r th pe i d wi l be de m d torfe e r o l e eDMAGEL A I ITAIBLY ha e be n no n pri r t h p l cy pe i dvekwo o t e o i r o .1.I su i g A reem nnrn g e t c."Bo iy i j ry o "pro e ty da a edlnu"r p r m g "a.We wi l pa th se sum tha th i surel y o s t e n d duri g th pe i d a d wa no ,n e r o n s tbcoelealolgaeto pa a da a eemsglybi t d y s m g s pri r to the pe i d kn w to ha eoro,o n vbcase o "bo iyi j ry o "pro e ty da a ee u f d l nu "r p r m g "by a yi sure l ste n e a a ra hn n d i du d r P r g pto th s in ura ce a p i s. W e wi l ha ei s n p l e l v 1.of II –Who Is An Insure o a ydrnth rig t a d du y to de e d the i sure a a nste h n t f n n d g i "e pl y e a t o i e by y u to gi eomo e "uh r z d o v ray"sui " se k n th se da a e . Ho e e ,n t e i g o m g s w v r o a o , a yfn"r nwewilhaenodutto de e d the i surel v y f n n d co ti u t o , o re um t o o than n a i n r s p i n f ta a nst a y "sui " se k n da a e fo "bo iyginteigmgsrdl "bo iy i j ry o "pro e ty da a e a t r thdlnu"r p r m g " f e ei j ry o "pro e ty da a e to thinu"r p r m g " s e d f he p ri d.n o t e oisuracedos no a p y We m y a o rn n e t p l .a , t u in e t ga e a y "wi l bev si t n l"d."Bo iy i j ry o "pro e ty da a edlnu"r p r m g "a dn se t ea y cl i r "sui "th t a e ul .Bu :tl n a m o t a m y r s t t de m d to ha e be n kn wn to ha e o curr de e v e o v c e a the e rle t ti e whe a y in ure l stetai s m n n s d i d(1)The a o n we wil pa fo da a e ismut l y r m g s un e Pa a ra hdr r g p 1.of II –Who Is Anlmteadecrieii i d s s b d n III –Li ismt In ure o a y "e pl y e a t o i e by y u tosdrnmo e "uh r z d oOfI sur n e ndn a c ;a gi e o o a ovrfn"r cl i :a m(2)Our right and duty to defend end when we ha e use up th li i ovd e m t f (1)Re o t a l o a y pa t o the "bo iyprs l,r n r , f d lithepa m nt o j d m n s onyefu g e t r i j ry o "pro e ty da a e to us o a ynu"r p r m g "r nsetlmnsundr t e e t e A or B or oh r i sure ;t e n rmdcaxeseune o e a eei l e p n s d r C v r g C. (2)a wri t n o de a d otermnrNooheolgto o l a iiy to pa sum otrbiainriblt y s r cl i fo da a e o the "bo iyamrmgs f d losevceiunlssr r i s s e i j ry o "pro e t a a e ; rnu"r p r y d m g "oeplcilproiefoundr Sup l m na yx i ty v d d r e pe e t r (3)Payments.a a e by a y o he m a s thawrntre n t "bo iy in ur "o "pro e ty da a e hadl j y r p r m g " sb.Thi in ura ce a p i s to "bo iy i j ry a ds s n p l e d l nu "n o curre o a t ccurcdrhsoo."pro e ty d m ge o l fpra a "n yi : CG 1 0 02 1T0 9 Pa e1o 21gf© 2017 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. Various provisions policyrestrict Declarations, person or Section special Section caused "occurrence policy Section receive notice "occurrence claim occurred, part or authorized prior policy occurred , change during which which discretion,occurrence Section applicable insurance Coverages perform acts covered policy which occurs policy policy occurred Section receive notice "occurrence claim includes change policy Section receive notice "occurrence Receives verbal because Becomes begun coverage. "coverage territory"; COMM RCIAL E ERAL IAB LITYEGNLI e.Da a e o "bo iy i j ry i cl demgs f d l nu "n u (3)An sta ue o di a ce o e ua i n ea i gy t t ,r n n r r g l t o r l t n da a e cla m d by a y pe so r rga i a i n to the sae gi t,dimgs i e n r no o n z t o l , f str bu i n o usi t o r e of fo ca e l ss o se v ce o de th re ul i g ar r ,o f r i s r a s t n t a yt m ro he "bo iyi j r ".n i e f m t d l nu y Thi e cl sio a p i s o l i y u a e in thes x u n p l e n y f o r 2.Ex l si ncu o s bu i e s o m n f ct r ng di tri u i g se l n ,s n s f a u a u i , s b t n , li g se v ng o furn shi g a co o i be e a e .F rririnlhlc v r g s oThiisuraced e no p l osn n o s t a p yt : th pur o e o thi e cl sio , pe m ti g ae p s s f s x u n r it na.Ex ec ed O I te d d I j ryptrn n e nu pe so to bri g a co o i be e a e o y urrn n l h lc v r g s n o pre i e , fo co sum tims s r n p o o y u pren n o r m se ,i s i t nd d fro th sta d on o th i sure .whe he o none e m e n p i t f e n d t r r t a fe is cha g d o aerer is Thi e cl sio do s no a pl to "bo iy in u y re u re fo such s x u n e t p y d l j r "q i d r is no by it e f, t s l o "pro e ty da a e re ul i g fro the use o co si e e th bu irprmg" s t n m f n d r d e s ne s o se l n , ss f li g e v n origr b Co trac u l L ab l t d Wo ke s'Co p n a i n An i il r L w.n t a i ii y .r r m e s t o d S m a a s "Bo iy i j ry o "pro e ty da a e fo An o l g t o o thedlnu"r p r m g "r y b i a i n f i sure un e an d d r wo k r 'r e s th i sure is o l ga e to pa da a e by co p nsa i n di a ie n d b i t d y m g s m e t o , s b lt be e i s oriynft re so o th a sum t o o l a iiy i a un m l y e t co pea n f e s p i n f i b lt n e po m n m n a i n l w o as t o a r n sim l ry i a co tr ct o a r e e t.Thi e cl sio do s no l w.n a r g e m n s x u n e t a a pl o l a iiyf r a a e :p yt i b lt o d m g s e.Em l yer's i b l tp o L a ii y (1)Tha t e i sure o l a e i t ea se ceth n d w udh v n h b n "Bo iyi j r "todlnuy : (1)An "e pl y e o the i sure a i in o t omo e " f n d r s g u f(2)Assum d in a co tr ct o a re m nt th t ie n a r g e e a s a d n th co r eo :n i e u s f a "i sure , pro i e th t thn n d v d d a e (a)Em l y e t y th i sure ;opomn b e n d r"bo iy in u y o "pro e ty da a edl j r "r p r m g " (b)Pe f r i g dut e re ae to theromni s l t d o a r e e t.So e y fo th purp se org e m n l l r e o s f l a iiy a sum d in a "i sureiblt s e n n d (2)The spo se chi d pa e t bro h r o sisteu, l ,r n , t e r r re so a l a t rne s'fe s a da n be t o y e n o tha "e pl y e a a of t m o e " s f lt g ti ne p nse i curr d by o f r a tyiia o x e s n e r o ap r Pa a r prg a h (1)a o ebv . oh r th n a i sure wi l be de m d to bete a n n d l e e Thi e cl si n a pl e whe he th in ure m ys x u o p i s t r e s d adaa e o "bo iy i j ry omgs f d l nu "r be l a l s a e po e r n ny o heibea n m l y r o i a t r"pro e ty d m g ", ro i e th tpra a e p v d d a : a d t a y o l ga i n to sha e da a e wi h on o n b i t o r m g s t r(a)Li b lt to such pa ty fo ,o fo theaiiyr r r r re a so e ne e se who m st pa da a epymoluymgs co t o ,th t de e se ha a sos f a f n s l be n a sum d in the sa e "i sureesemn d Thi e cl si n do s no a p y to l a iiys x u o e t p l i b ltcotrct"; ndn a a a sum d by the i sure un e a "i surese n d d r n n d (b)a t r e s'fe s a d lt g t oto n y e n ii a i n co tr ct .n a " e pe se a e fo de e se o th t pa txnsr r f n f a r y f.P l u i noltoa a nst a ci i o a t rn tv di putgi vl r l e a i e s e (1)"Bo iy in u y o "pro e ty da a e a i i gdl j r "r p r m g "r s nreoutoinwhihs l i n c o t o the ,a l g d o th e te euf l e e r r a n ddaa e to th s in ura cemgs i s n di cha ge di pe sa , se p g , m gr t o ,s r , s r l e a e i a i naple a ea l ge .p i s r l e d re e se o o "po l t n s":l a r f l ua tc. L q o i b l tiurLaiiy (a)At o fro a y pre i e , sit ormnms s e r"Bo iy i j ry o "pr p rt da a e fodlnu"r o e y m g "r l ca i n whi h i o wa a a y ti eotoc s r s t n mayi sure a eh l i beb e so o :n n d m y b ed l a l y r a n f o ne o by o re t d owdr,r ne r (1)Ca si g o to the i t x ca i nu n r no i t o l a e to a y i sure .Ho e e ,th so n d ,n n d w v r i o n e so ;f a y p r n subp ra ra h o s n t pp yt :a g p d e o a l o (2)The furn shi g o a co o i be e a e to ainf l h lc v r g s (i)"Bo iy in u y i susta n d wit i adl j r " f i e hn pe so und r the l g l dri k ng a e orn e e a n i g r bu l i g a d ca se by sm k ,i dn n u d o e u de he o onrt f r fu e , o so t pro uce bymsro d d o o i i a i g fro e u pm n th tr r gn t n m q i e t a Pa e2o 21gf CG 1 0 02 1T0 9© 2017 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. because license activity which contract" occurs contract", necessary because party's Such proceeding consequence capacity actualwhich which contributing influence escape occupied vapor alcoholic beverages. "Bo iyi j ry o "pro e ty d m ge e pe te odlnu"r p r a a " x c d r re so a l f rce t p oe t pe so s o p o e t .a n be o o r t c r n r r p r y of the contract or agreement; or furnishing alcoholic beverages. subse u n to t ee e ut o o t e co t a tq e t h x c i n f h n r c conduct of the insured's business; or because of the injury. alcohol; COMM RCI L G NERAL IAB LI YE A E L I T i use to he t co l o to pe f rm th no m lsd a ,o r r o e r a , th bu l i g o by o hy ra l c oeidn,r r d u i r o i i a i g fro e u pm n tha isrgntnmqiet t fo th o e a i n ore p r t o f use to he t wa e fo pe so ad a t r r r n l "m bi e e ui m n "o it pa t , ifolq p e t r s r s use by th bui di g s o cup n s oeln'c a t r such fue s, o oh rlrte th i u sts;e r g e o e a i g fl i s e ca e fro aprtn ud s p m (i )i "Bo iy i j ry o "pro e tydlnu"r p r o the .Thi e ce ti nrms x p odaa e fo y u m y bemg"r o a do s no a pl if the "bo iyi j ryetpydlnu"he d li be if y u a e a co tr ct rlal ,o r n a o o "pro e ty da a e a i e o t orprmg"r s s u fad the o ne o le se o suchnwr r s e f th in e ti n l di cha ge di pe saetn o a s r , s r lpreie, sit o l ca i n ha be nms s e r o t o s e o r l a e o the fue s, r ee s f lade to y ur a ad d o s n o oh r o e a i g fl i s, o i suchrte p r t n ud r fadditional insured with respect to y ur o g i go e a i ns pe fo m d fu l , o o he oo n on p r t o r r e e s r t r p r t ne a i g fo th t a d t o a i sure a tha fl i s a e bro gh o ora d ii n l n d t t ud r u t n r to the pre i e , sit o l ca i n a d suchms s e r o t o n pre i e , sit o l ca i n wit thems s e r o t o h pre i e , sit o l ca i n is noms s e r o t o t i t nt th t th y be di cha g d,ne a e s r e a d ne e wa o n d o o cupi dnvrswerce di pe se o re e se a pa t osrdrla d s r f by o re te o l a e to a y,r n d r o n d ,n th o e a i n beng pefo m d bye p r t o s i r r e i sure ,o he tha tha a d t o an d t r n t d ii n l such in ure ,orsd i sure ;on d r (i ii)"Bo iy i j ry o "pro e tydlnu"r p r (i )i "Bo iy inj ry o "pro e tydlu"r p rdaa e a i i g o t o he t,m g "r s n u f a da a e susta n d wit i amg" i e hnsmkofuefroa"ho ti eo e r m s m s l bu l i g a d ca se by th re e seidn n u d e l afie;r "o ga e , fum s o v po s frof s s e r a r m (b)At o fro a y pre i e , sit ormnms s e r m te i l bro g t in o th t bu l i garasu h t a i dn l ca i n whi h i o wa a a y ti eotoc s r s t n m use by o fo a yi sure o oh rs f rdr r n n d r t e o pe f r e by y u o o y u e a fromd o r n o r b h l th ha dl ng sto a e dispo a ,e n i ,r g , s l by a co tr ct r r subco t a ;on a o o n r r r pro e sin r re tm n o w stec s go t a e t f a ; (i ii)"Bo iy inj ry o "pro e tydlu"r p r(c)If such "po l t n s"a e o we e a a yluatr r r t n da a e a i i g o t o he tmg"r s n u f a ,ti e tra spo t d, ha de , sto e ,m n r e n l d r d sm k o fu e fro a "ho ti eo e r m s m s ltr ae ,di po e o ,o aetds s d f r s fi e ; rr"owatebyo o :s r f r (e)At o fro a y pre i e , sit ormnms s e r(i)An nsure ;oyidr l ca i n o whi h a y in ure o a yoto n c n s d r n(i )i An pe so o o g n z t o foyrnr r a i a i n r o wo k ngr r iwhoyu m y be le a lmo a g ly o o a y i sure 'r n n n d sreposi l ;s n be be a f a e o we e a a y ti ehlr r r t n m (d)At o fro a y pre i e , sit ormnms s e r pefo mng o e a i n to te t fo ,r r i p r t o s s r l ca i n o whi h a y in ure o a yoto n c n s d r n m ni o ,cl a up, re o e co t i ,o t r e n m v ,nan co tr ct rs o subco t a r wo k ngn a o r n r o s r i tr a ,de o i y o ne tr lz , o in a yet t xf r u a i e r n o o a y i sure 'srn n n d wa re po d to o a se s thy s n ,r s s e be a f a e pe fo mng o e a i n if thehlr r r i p r t o s o ,"po l t n s".f l ua t "po l t n s"a e bro gh o o to theluatrutnr (2)An l ss, co t o e p n e a i in o t oyosrxesrsg u fpreie, si e o l ca i n i co n ct oms s t r o t o n n e i n a yn:wi h such o ea i n by such in ure ,t p r t o s s d co tr ct r o sub o tr ct r.Ho e e ,n a o r c n a o w v r (a)Re ue t, de a d o de o staut ry oqsmn,r r r t o rths subp ra ra h o s n t pp yt :i a g p d e o a l o re uao y re ui e e tt a a y in uregl t r q r m n h t n s d (i)"Bo iy inj ry o "pro e tydlu"r p r o o he s te t fo ,m ni o ,cle n up,r t r s r o t r a da a e a i i g o t o the e ca emg"r s n u f s p r m v , co t i , tre t de o i y oe o e nan a , t xf r o fue s, o ot ef l r h r ne t a i e o in a y wa re po d to ourlz ,r n y s n ,r o e a i g fl i s a e ne d dprtn ud r e e a se st e o ,"po l t n s"; rs s h f l ua t o CG 1 0 02 1T0 9 Pa e3o 21gf© 2017 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. dehumidify produced electrical mechanical functions necessary which policy lubricants receive lubricants lubricants contractor cto processed ct directly indirectly lubricants which contractors subcontractors directly indirectly effects effects i o n cti n wi h pe a i ns be nncn e o t o r t o i g v hi l pa t de i n d to hod,sto eecersg e l r subcontractor; COMM RCIAL E ERAL IAB LITYEGNLI (b)Cl i o sui by o o be a f o a yamrtrn h l f n (b)The o e a i n o a y o the m chi e yprtofnfa n r go e nm na a t o iy o a y o he o e ui m n l ste in Pa avret l uh r t r n t r r q p e t i d r gra hp f.2)( pe so o o ga i a i n b ca se o ornr r n z t o e u f r f.3)(o the de i i i n o "m bi ef f n t o f o l te ti g fo ,m n t r ng cl a i g up,e ui m n "; rsnroioi ,e nn q p e t o re o i g,con a ni g,tre t ngmvnt i n a i ,(6) d to i y ng o ne t a i i g,o i a yexf i r u r lz n r n n (a)Cha t re i ha pi o oa yi sure ;r e d w t l tt n n dwa re po di g to o a se sin they s n n ,r s s g e fe t o ,"po l t n s".f cs f l ua t (b)No w e y a yi sure ;a dto n db n n d n g Ai craft u o O at rcra t (c).r ,A t r W e f No be n use to ca r a y pe so ot i g d r y n r n r pro e ty f r p r o a"Bo iy in u y o "pro e t da a e a i i g o tdl j r "r p r y m g "r s n u o th o n r hi , m i t na ce use orfewesp ane n ,h Mob l q ip e t. i e E u m n e tr stm nt to o he s o a y "a t "on u e t r f n uo r "Bo iy in u y o "pro e ty da a e a i i g o tdl j r "r p r m g "r s n u w te cra t o n d o o e ae by o re t d oarfwerprtdrner o :f l a e to a y in ure . Use o e a i no n d n s d p r t o (1)The tra spo t t o o "m bi e e u pm n "n r a i n f o l q i e ta d "l a i g r no dn ".n o dn o u l a i g by a "a t "o ne o o e ae by on uo w d r p r t d r Thi e cl si n a p i s e e if the cla ms x u o p l e v n i s re t d r l a e oa yi sure ;one o o n d t n n d r a a nst a y i sure a l g ne l g nce o oh rgin n d l e e g i e r t e (2)The use o "m bi e e ui m nt i ,o whi efolq p e "n r lwrog on i th supe v sio ,hirngn d i g n e r i n i , i fo , o whi e bengnr r l ieplyettri i g o m ni o i g o o he s bymomn,ann r o t r n f t r a y spe d, de o ii n,n e m lt otht in ure , if th whi h ca seasd e " c u d o stun i grtn .th "bo iyi j ry o "pro e ty d m ge i v l ee d l nu "r p r a a "n o v d th o ne shi ,m i t na ce use oewrp ane n ,r i.War e t ust e t to o he s o a y "a t "onrmntrfn,uo r "Bo iy in u y o "pro e ty da a e a i i g o tdl j r "r p r m g "r s n u wa e cra t tha is o ne o o e ae by otrf t w d r p r t d r o :f re t d r o n d oa yi sure .ne o l a e t n n d (1)Wa , i cl di gu d cl r do ci i a ;r n u n n e a e r vl w r Thi e cl sio o s no a pl t :s x u nd e t p y o (2)Wa lk by a m l ta y fo cerieiir r ,(1)A wa e cra t whi e a ho e o pre i e y utrf l s r n m s s o i hi d ri g o de e d ng a an t an n e n r f n i g i s n o n r e tworn;o e pe t d a t ck by a yrx c e t a ,n (2)A ae cra ty u on t o n ha s:go e n e t so e e gn owtrfo d o w t ti v r m n , v r i r o he a t o itruhrty usin ii a y pe so n l o t e ge t ; ogmltr r n e r oh r a n s r(a)50fe t o go l ss; ndelnre a (3)In urr ct o ,re e l o ,re o ut o , usurp dsein b li n v l i n e(b)No be n use to ca r a y pe so ot i g d r y n r n r po e ,o ta e by go e n e t lwr r k n v r m naproetyfr ha g ;p r o a c r e a t o iy in hi d ri g o de e d ng a a nstuhrtn e n r f n i g i(3)Pa k n a "a t "o ,o o the wa s ne trig n uo n r n y x a y o he enf t s . to pre i e y u o n o re t,pro i e the,m s s o w r n v d d j.D m g o P o ertya a e T r p"a t " i no o n d by o re t d o l a euos t w e r ne r o n d to y u r he i sure ;"Pro e ty d m ge too o t n d p r a a " : (4)Li b lt a sum d unde a y "i sureaiiy s e r n n d (1)Pro e ty y u o n,re t,o o cup ,p r o w n r c y co tr ct fo he o ne shi ,m i t na ce o i cl di g a y co ts o en a "r t w r p ane n r n u n n s r x e se i cu rep n s n r d by y u,o a y o he pe so ,o g ni a iorntr r n r a z t o onr e tt ,fo re ar,re l ce e tniyrpipamn,(5)"Bo iy in u y o "pro e ty da a e a i i gdl j r "r p r m g "r s n e ha ce e t,re to a i n o m i t na cen n m n s r t o r ane noto:u f o such pro e t fo a y re so , f p r y r n a n (a)The op ra i n o m chi e y oretofa n r pre e ti n o i j ry to a pe so o da a evn o f nu r n r m g e ui m n th t i a t ch d to o pa tq p e t a s t a e ,r r to a o he 's p o e t ;n t r r p r y o ,a la d v hi l th t wo l qua i y afn e c e a ud lf s (2)Pre i e y u sel ,gi ea a o a a d n ifms s o l v w y r b n o ,"m bi ee u pm n "un e th d fi ii nolqietdre e n t o th "pro e ty da a e a i e o t o a ye p r m g "r s s u f no"m bi e e ui m nt i such la dfolq p e " f n pa t o h se pr m se ;r f t o e i sweenosubjct to arte co p l o y o fi a ci l re po si iiymusr r n n a s n b lt (3)Pro e ty l a e o y u;p r o n d t o l w,o o he m t r v h cl in ura ceartroo e i e s n (4)Pe so a pro e t i th ca e custo y ornlpryn e r ,d rlw,whe e i is o pri ci a lartrn p ly co tr l o t e i sure ;n o f h n dgaa e ; rrg d o Pa e4o 21gf CG 1 0 02 1T0 9© 2017 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. includes "occurrence practice prearranged racing, prepared for, activity aircraft vehicle includingaction action actual action including licensed An aircraft that is: aircraft, use of aircraft or watercraft; charge. COMM RCI L G NERAL IAB LI YE A E L I T (5)Tha pa t cul r pa t o re l pro e t o phy ica in u ytriarfa p r y n s l j r to "y ur o or whi h y u o a y co tr ct rs o "y ur wo k a t r it ha be n putcorn n a o r o r " f e s e to it in e des t n d use. o y u be a f a e pe f rm n o e a i ns, ifn o r h l r r o i g p r t o n Rec l O ro u ts W rk r mp i ed.a l f P d c ,o O I a r th "pro e ty da a e a i e o t o tho ee p r m g "r s s u f s P o ertyrp o e a i n ; rprtoso Da a e cl i e fo a yl ss, co t o e pe semgsamdrn o s r x n (6)Tha pa t o a y pro e t thatrfn p r y t i cu re by y u o oh r fo th l ss o usenrd o r t e s r e o f , m st be re to e , re a re o re l ceusrd p i d r pa d wi hd a a , ,re a rtrwl ,p i , b ca se "y ur wo k wae u o r " s re l ce e t a j stm nt re o a o di po apamn,du e ,m v l r s s l o :f (1)"Y u ro uct";o r p dPaarpsrg a h (1),(3)a dn (4)o th s e cl si n dof i x u o no a p y to "pre i e da a e . A se a aetplms s m g "p r t (2)"Y u o k ; rorwr"o l m t o i sura ce a p i s to "pre i e da a ei i f n n p l e m s s m g "(3)"Im a re p o e t ";p i d r p r yadecribd in Pa a r ps s e r g a h 6.of III – i such wo k o pro e t is f r ,r p r yLiisOnsuracemt f I n . Pa a ra hrg p (2)o h s e cl sio o s no a pl if t i x u nd e t p y f pe so o o g n z t o o a k o n ornr r a i a i n f n w rthpreie a e "y ur wo k a d we e ne eems s r o r "n r v r o, ,r,re t d r ed fo e t l by y une o h l r r na o . da g ro s co di i n i tn e u n t o n i. Pa a r p srg a h (3),(4),(5)a dn (6)o th sf i o P rso a n d erti i g I ju y.e n l A d A v s n n reclsiodo no a pl to li b lt a sum dxu n t p y a iiy s e "Bo iy in u y a i i g o t o "pe so a a ddl j r "r s n u f r n l nunesidtrckarem ntdra e a g e e . a v rt si g i j ry .d e i n nu "Pa a ra hrg p (6)o th s e cl sio do s no a plf i x u n e t p y p a a.D tto"pro e ty da a e i cl de in th "pro uct -p r m g "n u d e d s co pee p ra i n h z r ".m l t do e t o s a a d Da a e a i i g o t o th lo s o ,lo s o usemgsrsn u f e s f s f o ,da a e to co ru t o o , i a iiy to a ce s,f m g ,r p i n f n b lt c sk. D m g o Yo r P o u ta a e T u r d c "Pro e ty da a e to "y ur pr d ct a i i go tprmg"o o u "r s n u o t o ny p rt o i.fi r a a f t Ho e e , thi e cl si n do s no a p y towvrs x u o e t p l l a iiy fo a a e b ca se o "bo iyi j r ".i b lt r d m g s e u f d l nu yl.D m g o Yo r Wo ka a e T u r "Pro e ty d "p r q U so i i e o m n ca i n.n l c t d C m u i t oa a e to y ur wo k a i i g o t omg"o r "r s n u f i o a y pa t o it a d i cl d d i he "pro uct -t r n r f n n u e n t d s "Bo iy in u y o "pro e ty da a e a i i g o tdl j r "r p r m g "r s n ucopee p ra i n h z r ".m l t do e t o s a a d o a y o a l g d v oa i n o a yl w thafnrle e i l t o f n a t Thi e cl si n do s no a pl if th da a es x u o e t p y e m g d o pro i i s the se d ng tr n m ti grhbtni ,a s it n wo k o th wo k o t o whi h th da a er r e r u f c e m g o d stri ut n fribigo a i e wa pe fo m d o y ur be a f by ars s s r r e n o h l r.Acc s O Di c o u e O Con id n i l Oe s r s l s r f f e t a rsubcotrcto.n a r P rso a n o m ti nenlIfraom.D m g o I p i ed P o erty O P o ertya a e T m a r r p r r p "Bo iy in u y o "pro e ty da a e a i i g o tdl j r "r p r m g "r s n uNt h sic l y In u edoP y a l j r o a y a ce s to o di cl sure o a y pe so 'f n c s r s o f n r n s "Pro e ty da a e to "i p i e pro e t "oprmg"m a r d p r y r o o g ni a i n'co f de ti l or pe so ar r a z t o s n i n a r n l pro e ty th t ha no be n l in u e ,p r a s t e ly j r d i f rm t o .n o a i n a i i go t o :r s n u f s.Asb st seo(1)A in d qu cy or,a e a (1)"Bo iy in u y o "pro e ty da a e a i i gdl j r "r p r m g "r s ndagrosin"y ur pro uct on e u o d "r o t o th a t a o a l g d pre e ce oufeculrle e s n r"y ur o k ; rowr"o a t a ,a l ge o th e t ne di pe sa ocul l e d r r ae d s r l f(2)A de a o fa l r by y u o a y nl y r i u e o r n o e a be to , a be to fi e s o pro u tss s s s s s b r r d coyurbeafto pe fo m a on o h l r r r co ta nn a be to , pro i e th t theni i g s s s v d d aarem nt i cco d nce w t t t rm .g e e na r a i h is e s "bo iy i j ry o "pro e ty da a e idlnu"r p r m g " s Thi e cl si n do s no a pl to the l ss o ses x u o e t p y o f u ca se o co t i ut d to by the ha a d usu d r n r b e z r o o oh r pro e t a i in o t o sudd n a df t e p r y r s g u f e n pro e ti s o sbe to .p r e f a s s CG 1 0 02 1T0 9 Pa e5o 21gf© 2017 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. particular incorrectly accidental product" recall inspection Section occupied product,withdrawn because suspected defect deficiency inadequacy Electronic actual restricts "unsolicited communication". physica deficiency condition acting contract subco t a t r wo k n di e ty o i d re tlnrcosrigrclrni c y performed on it. o re a l d fro th m rk t o fro use by a yrc l e m e a e r m n or inability to manipulate "electronic data". defect, COMM RCIAL E ERAL IAB LITYEGNLI (2)"Bo iy in u y o "pro e ty da a e a i i g e pl y e t- eaedl j r "r p r m g "r s n m o m n r l t d de cri esb d in o t o th o a l g d pre e ce o Pa a r puferle e s n r r g a h (a),(b), ro (c)a o e ibv s a l ge o th e t ne di pe sa ole d r r ae d s r l f Thi e cl si n a pl e whe he th in ure m ys x u o p i s t r e s d a a yso i ,li ui ,ga e us o th r anld q d s o r e m l be l a l s a e po e r n ny o heibea n m l y r o i a t r o i cl di g sm k , v po s,r n u n o e a r a d t a y o l ga i n to sha e da a e wit on o n b i t o r m g s h r so t fu e , , a k ls, a do,m s l a i n re a so e ne e se who m st pa da a epymoluymgs wa te a d th t a e pa t o a y os ,n a r r f n r be a seo he "bo iyi j r ".c u f t d l nu y "sui "whi h a so a l ge a y "bo iyi j ryt c l l e s n d l nu "Ex l si nscu o c.th o gru h n.do no a p y to "pre i etplms s o "pro e ty da a e de cri e inrprmg" s b d da a e . A se a ae li i o i sura ce a p i s tomg"p r t m t f n n p l e Pa a r prg a h (1)a o ebv ."pre i e da a e a de cri e in Pa a r pms s m g " s s b d r g a h 6.of III –Li is O nsur n emt f I a c .(3)An l ss, co t o e p nse a i in o t oyosrxersg u f a yn:CO ERA E B –P RSO A A D AD ERT SI GVGEN L N V I N IN U Y L AB L TJRI I I Y( )a Re ue t, de a d o de o staut ry oqsmn,r r r t o r 1.In u in g e m nsrg A r e e treuaoyreuie e t tha a yi suregl t r q r m n t n n d o o he s te t fo ,m ni o ,cle n up,r t r s r o t r a a.We wi l pa th se sum tha th i surel y o s t e n d re o e co t i , tre t de o i y omv ,nan a , t xf r le a l o l ga e to pa a da a eglybi t d y s m g s ne t a i e o i a y wa re po d to ourlz ,r n n y s n ,r o "pe so a a d a v rt si g in ur "tofrnln d e i n j y a se s the e f ct o ,a be to ,s s f e s f s s s th s i sura ce a pl e . We wi l ha e thein n p i s l v a be to fi e s o pro uct co t i i gs s s b r r d s nann ri ht a d du y to de e d t e i sure a a nst a yg n t f n h n d g i n a be to ; rs s s o "sui " se k n th se da a e . Ho e e ,we wi lteig o m g s w v r l ha e no dut to de e d the in ure a an t a yv y f n s d g i s n( )b Cl i o sui by o o be a f o a yamrtrn h l f n "sui " se k n da a e fo "pe so a a dteigmgsr r n l ngoe n e t l a t o iy o a y oh rvrmna uh r t r n t e a v rt si g in ur "to thi i sura ce do sd e i n j y s n n epesoo o ga i a i n ornr r n z t o f no a p y We m y at o r t p l .a ,u ,te ti g fo ,m n t r ng cl a i g up,s n r o i o i ,e nn i v sti ae a y o fe se a d se t e a y cla m on e g t n f n n t l n i rreoig,con a ni g,tre t ngmvnt i n a i , "sui "th t a e ul .Bu :t a m y r s t tdeoi y ng o ne t a i i g o in a yt xf i r u r lz n ,r n wa re po di g to o a se sin they s n n ,r s s g (1)The a o n we wil pa fo da a e ismut l y r m g s e fe t o ,a be to , a be to fi e s o l mte a de cri e if cs f s s s s s s b r r i i d s s b d n III –Li ismt pro uct co t i i ga be to .Of I sura ce a ddsnanns s s n n ;n t.Em l ymen -Rel te ra ti espotadP c c (2)Ou rig t a d dut to de e d e d whe werh n y f n n n ha e use up th li i ovd e m t f"Bo iyi j r "todlnuy : i sur n e i the pa m nt o j d m n s on a c n y e f u g e t r(1)A e so ri in ut o nyprnasgofa: se tl m n s und r Co e a ete e t e v r g s A or B or(a)Re usa oe po h t e so ;f lt m l yt a p r n x e se un e o e a ee p n s d r C v r g C.(b)Te mna i n o tha pe so 'sri t o f t r n No o he o l g t o o l a iiy to pa sum otrbiainriblt y s replyetrmomn;o pe f r o se v ce i unl ssromr r i s s e(c)Em l y e t re aepomn-l t d , ,e pl ci l pro i e fo un e Su pe e t ryx i ty v d d r d r p l m nao o i si n,such a co rci n,r m s o s e o Pa m nt .y e sdeoin,e au ti n re ssi nm n ,m t o v l a o ,a g e t b.Thi i sura ce a pl e to "pe so a a dsn n p i s r n l ndicipiefalretoprooe os l n , i u m t r a v rti i g in ur "ca se by a o fe sea i i gd e s n j y u d n f n r s navncehaasmn, hum l a i nd a ,r s e t ii t o , o t o y u bu i e s but o l i th o f nse wauforsnsny f e f e sdicrimnain,li e , sl nd r v oa i ns i t o b l a e , i l t o co m t e in th "co e a e te r t r "du i g thmitd e v r g r i o y r n eoth pe so 's rig t ofern h f po i y p ri d.lc e oofase a re t,r l r s de e t o o i p i o m n a p i d t otninrmrsn e t p l e o r 2 Ex l si n.c u o s a tha pe so ,re a dl ss ot t r n g r e f Thi i sura ce d e no p l osn n o s t a p yt :whe he such otr, ,r a.Kn w n i l t o f i h s f n th roigVoainOR g t O A o eoi si n i a p i d o ismsospler co m t e be o e duri g o a t r themitdfr,n r f e "Pe so a a d a v rt sin in ur "ca se by ornln d e i g j y u d r ti eo t a e so 's e po m nt rmfhtprnml y e ;o a th o the i sure wi h thetefn d t (2)The spo se chi d pa e t bro h r o sisteu, l ,r n , t e r r k o l d e th t the wo l v oae the rig tnwe g a ud i l t h s o tha pe so a a co se u nce o "bo iyf t r n s n q e f d l o a oh r a d wo l "pe so a a dfnte n ud r n l n i j ry to tha pe so a who a y o thenu" t r n t m n f a v rt si g i j r ".d e i n nu y Pa e6o 21gf CG 1 0 02 1T0 9© 2017 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. actual actual, irritant practices capacity contaminant, acids chemicals claim because Section becomes because which which discretion Section applicable practice policy act malicious prosecution directed practice policy act occurs, medical acts covered direction act inflict privacy, directed. COMM RCI L G NERAL IAB LI YE A E L I T Thi e cl si n do s no a pl to "pe so a a a nst a ci i o as x u o e t p y r n l g i vl r l e n tv di puttraiese re ou i n pro e di g is l t o c e n n da a e to th s in ura cemgs i s nb Mate ia u l s ed Wi h Kn w ed e O.r l P b i h t o l g f a pl e a ea l ge .p i s r l e dFl i ya s t f.B ea h O o tracrcfC n t"Pe so a a d a v rt sin in u y a i i g o t ornln d e i g j r "r s n u f o a o wri te pu l ca i n i cl di g "Adv rt sinrlrtn b i t o ,n u n e i g i j ry a i i g o t onu"r s n u f a bre ch oaf co tr ctn a . th o th i sure wi h kno l d e oefe n d t w e g f g Q a it O erfo m n e f o d –F i u e.u l y r P r a c O G o s a l r isf l i ytast .To Co fo m To S at m n snrte e t c. Mate ia u l s ed O s d P i r T o i yrlPbihrUero o P l c "Adv rt sin in ur "a i i g o t o th fa l re oeigj y r s n u f e i u fPrioedgods, pro uct o se v ce to co fo m wi ho d s r r i s n r t (1)"Pe so a a d a v rt sin nu y a i i go t a y sta e e t o quarnln d e i g i j r "r s n u n t m n f lt o pe foiyr r rm n e m deaca o o a o wri t n pu l ca i n i o r "a v rt se efrlrte b i t o ,n y u d e i m nt ." pu l ca i n by ee t o i m a s,o m t ri lbi t o l c r n c e n f ae a h Wro g D s ri ti n O ric s.n e c p o f P e who e fi st pu l ca i n to k pl ce be o esrbi t o o a f r "Adv rt sin in u y a i i g o t o the wro geigjr"r s n u f nthbgi ni go t ep l cy pe i d re e n n f h o i r o ;o de cri t o o the pri e o go ds, pro uct ospinf c f o d s r(2)"Ad e tsi g i j ry a i i g ou ofvrin nu "r s n t se v ce sta e n y ur "a v rt se e t .r i s t d i o d e i m n " i f i ge e t o co yi ht "ti l "o "sl g n"n r n m n f p r g , t e r o a i.In el ec u l P op rtytltarei y ur "a v rt se e t who e fi stn o d e i m n " s r i f i ge e t i y ur "a v rt se e t wa "Pe so a a d a v rt sinnrnmn n o d e i m n " s r n l n d e i g in u y a i i g o tjr"r s n u of co m t e be o e the be i nn o the a y o a l g d i fmitdfrgnigfnrle e n ri ge e t o v oanmnri l t o oinf po i y p r o .a y o th fo l wi g ri h s o la s, o a ylceidnfelo n g t r w r n oh rte "pe so a a d a v rt si g in ur "a l ge i a yrnln d e i n j y l e d n ndCrimnlAct. i a s cl i o "sui "th t a so a l ge a y suchamrtal l e s n "Pe so a nd a v rt si g i j ry a i i go t o arnla d e i n nu "r s n u f i f i ge e t r i l t o :n r n m n o v oa i n cri i a co m t e by o a the omnlmitdrt f (1)Co yi h ;p r g tthi sure .e n d (2)Pa e ttn;e.Co trac u l L ab l tntai ii y (3)Tra ed e s;d r s"Pe so a a d a v rt sin in ur "fo thernln d e i g j y r i sure ha a sum d l a iiy in a on d s s e i b lt r (4)Tra en m ;d a e a re m nt Thi e cl sio do s no a pl tog e e . s x u n e t p y (5)Tra e a kdmr; l a iiyf r a a e :i b lt o d m g s (6)(1)Tha the i sure o l a e i h a se cetn d w udh v n t e b n (7)Ot e ne l ctu l p o e t i h s o a s.h r i t l e a r p r y r g t r l w Thi e cl sio d e no p l os x u n o s t a p yt :(2)Be a se o "pe so a in u y a sum d bycufrnl j r " s e y u in a o a re m nt th t i aorg e e a s n (1)"Ad e tsi g i j ry a i i go t o a yvrin nu "r s n u f n "i sure co tr ct , pro i e th t then d n a " v d d a o a l g d i fri g m n o v oa i n orle e n n e e t r i l t o f "pe so a in u y i ca se by a o f n ernl j r " s u d n f e s a oh r's co yi h ,"ti l "o "sl g n"inte p r g t t e r o a n y ur "a v rt se e t ; ro d e i m n "o th o a re m n . So e y fo theerg e e t l l r (2)An oh r "pe so a a d a v rt sin in u yy t e r n l n d e i g j r "pu po e o li b l ty a sum d by y u i ars s f a ii s e o n n a l ge in a y cla m o "sui "th t a sole d n i r t a l"i sure co t a t , re so a l a t r e s'n d n r c"a n be t o n y a l ge a y such i f i ge e t o v oa i nlesn n r n m n r i l t ofesad ne e sa y lt ga i n e pe see n c s r ii t o x n s o a oh r' co yi ht "ti l "o "sl g n"ifntesprg, t e r o a nicurebyofoapatyohe th n anrdr r r t r a n y ur "a v rt se e t .o d e i m n "i sure wi l be de m d to be da a en d l e e m g s be a seo "pe so a i j ry , ro i e h t:c u f r n l nu "p v d d t a j.In u ed I ed a n n e ne ypesrsnMiA d I t r t T B si e s su n s e(a)Li b lt to such pa t fo ,o fo thaiiyryr r r e co t o ,th t pa t 'de e se ha a sos f a r ys f n s l "Pe so a a d a v rt si g in ur "ca se by arnln d e i n j y u d nbe n a sum d by y u in th sa eese o e m o fe se co m t e by a i sure who efnmitd n n d s"i sure o t a t ; ndn d c n r c"a bu i e si :s n s s (b)Su h a t r e s'fe s a d lt g t oc t o n y e n ii a i n (1)Ad e tsi g o pu lshi g;v r i n ,r b i nepesea e fo de e se o th t pa txnsr r f n f a r y CG 1 0 02 1T0 9 Pa e7o 21gf© 2017 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. publication direction including which which actual act direction which contract contract contract actual "broadcasting" injury" caused by malicious prosecution. by ee tro i m a s,o ae i l f do e by o tl c n c e n f m t r a , i n r a of the contract or agreement; or co m t e sub e ue t to th e e ut o omitdsq n e x c i n f Trade secret; or COMM RCIAL E ERAL IAB LITYEGNLI (2)De ig i g o de e m nn con e t o ne tr lz n ,o i a y wa esnnrtri i g t n f u a i i g r n n y r spo di g on n t , ro we sit sf r o he s; rb e o t r o (3)An In e n t se rch,a ce s, co t nt otre a c s ne r o War. se v ce p o i e .r i r v d r "Pe so a nd a v rt si g i j ry a i i go t o :r n l a d e i n nu "r s n u f Ho e e , thi e cl si n do s no a p y towvrs x u o e t p l (1) Pa a ra hrg p s a.1)(,(2)a dn (3)o th d fi ii n ffe e n t o o (2)Wa lk by a m l ta y fo ce in l d ngrieiir r , c u i"pe so a i j ry .r n l nu " a t o i hi d ri g o de e d ng a an t acin n n e n r f n i g i s n F r t ep rp se o h s e cl sio :o h u o s ft i x u n a t a o e pe t d a t ck by a yculrx c e t a ,n (1)Cre t n a d pro uci g co re po de ce go e nm nt so e e gn o oaig n d n r s n n v r e , v r i r t e a t o iyhruhrt wri t n in the co d ct o y u busin ss,usin ii a y pe so n lte n u f o r e g m lt r r n e o t e ge t ; orohra n s r bu l t ns, fi a ci l o a n a re o t , olein n a r n u l p r s r (3)In urre t o ,re e l o ,re o ut o , usurp ds ci n b li n v l i n e ne sle te s a o t y u go ds, pro u ts owtrb u o r o d c r po e ,o ta e by go e n e t lwr r k n v r m na se v ce wil no be co si e e theri s l t n d r d a th ri y i hi d r ng o de e di g a a nstu o t n n e i r f n n g i bu i e s o u lshi g;a dsns f p b i n n a y o he enf t s . (2)The pl ci g o fra e , bo d rs o l n s, oa n f m s r e r i k r p U so i i e o m n ca i n.n l c t d C m u i t o a v rt sin ,fo y u o o he s a y he e od e i g r o r t r n w r n "Pe so a a d a v rt sin in u y a i i g o t ornln d e i g j r "r s n u fthIntrntwilno,by ise f,be co si e ee e e l t t l n d r d a y o a l ge v oa i n o a y l w th tnrle d i l t o f n a ath bu i e s o a v rt si g "bro dca ti gesns f d e i n ,a s n " o pro i i s the se d ng tr n m ti grhbtni ,a s it nopulshig.r b i n o d stri ut n f "un o i i e co m ni a i n".r i b i go s lct d m u c t o k. El c ro i h t oo s O ule i B ardetncCarmrBltn o s q Acc s O Di c o u e O Con id n i l O.e s r s l s r f f e t a r "Pe so a a d a v rt sin in u y a i i g o t ornln d e i g j r "r s n u f P rso a n o m ti nenlIfrao a ee tro i cha r o o bul e i bo rd thenl c n c t o m r l t n a "Pe so a a d a v rt sin in u y a i i g o t ornln d e i g j r "r s n u fi sure ho ts o o ns, o o e whi h then d s r w r v r c a y a ce s to o di cl sure o a y pe so 'onc s r s o f n r n s risurexrciecoto.n de e s s n r l o ga i a i n'co fi e t a o pe so arnz t o s n d n i l r r n l l.U au h rized U e f n th r's a e OntosOA o e N m r i f rm t o .n o a i n P o u trdc r.Asb st seo "Pe so a a d a v rt sin in u y a i i g o t ornln d e i g j r "r s n u f (1)"Pe so a a d a v rt sin nu y a i i go trnln d e i g i j r "r s n uthunatoieuse o a o he 's na e oe uh r z d f n t r m r o the o a l ge pre e ce ofrle d s n rprouct in y ur -a l a d e s, o ann m od o e m i d r s d m i a e r a l ge r hre t n d i pe sa o a be to ,l e do t ae e d s r l f s s sm ta a ,o a y o he sim l r ta ti s to m sl aetgrntriac c i e d a be to fi e s o pro u ts co t i i gs s s b r r d c nanna oh r s p t nt a usto e s.n t e 'oe i lc m r a be to , pro i e th t th "pe so a a ds s s v d d a e r n l n m.P l u i nolto a v rt sin in ur " i ca se o co tr bu ed e i g j y s u d r n i t d to by t eh z rd us pro e ti s o sbe to .h a a o p r e f a s s"Pe so a a d a v rt sin in u y a i i g o t ornln d e i g j r "r s n u f (2)"Pe so a a d a v rt sin nu y a i i go trnln d e i g i j r "r s n uthalgeotheteedichag,e l e d r r a n d s r e o the o a l ge pre e ce ofrle d s n rdipesa, se pa e m gra i n,re e se osrle g , i t o l a r a l ge o th e t ne di pe sa o a yso i ,l e d r r ae d s r l f n l decaeo"po l t n s"a ny t m .s p f l ua t t a i e l q i ,ga e us o th rm l ir i a t oiudsore a r t n rnPluinReltd.o l t o -a e co ta i a t i cl di g sm k , v po s,n m n n ,n u n o e a r An o s, x e sea i in ut o nyyl s e p n r s go f a :so t fu e , a k ls, a do,m s l a i n wa te a d th t a e pa t o a y os ,n a r r f n r(1)Re ue t, de a d o de o staut ry oqsmn,r r r t o r "sui "whi h a so a l ge a y "pe so a a dt c l l e s n r n l nreuaoyreureettht a y in ure ogl t r q i m n a n s d r a v rt sin in u y de cri e i Pa a r phd e i g j r " s b d n r g aohrtet fo ,m n t r up re o etes s r o i o , ,m v , (1)a o ebv .co ta n tre t de o i y o ne t a i e o inni ,a , t xf r u r lz ,r (3)An l ss, co t o e p n e a i in o t oyosrxesrsg u fanywayrespond to,or assess the effects o ,"po l t n s"; r a yf l ua t o n : (2)Cl i o sui by o o be a f o a yamrtrn h l f n (a)Re ue t, de a d o de o staut ry oqsmn,r r r t o r re uao y re ui e e t tha a yi suregl t r q r m n t n n dgovernmentalauthorityoranyother person o o g n z ti n o te ti g fo ,o o he s te t fo ,mr r a i a o f s n r r t r s r o i o ,cle n up,n t r a m ni o i g, up, re o i g re o e co t i , tre t de ootrnmvn,m v ,nan a , t x fy oir co ta nn ,tre t ng de o i y ng or ne t a i e o i a y wa re poni i g a i , t xf i u r lz ,r n n y s nd to o,r Pa e8o 21gf CG 1 0 02 1T0 9© 2017 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. action action actual, actual restricts actual actual, actual actual, cost or clean because cleaning acids, chemicals claim assessing the effects of, "pollutants". War, including undeclared or civil war; COMM RCI L G NERAL IAB LI YE A E L I T a se s the e f ct o ,a be to ,s s f e s f s s s (3)o y u pe a i ns;f o r o r t o a be to fi e s o pro uct co t i i gs s s b r r d s nann pro i e ha :v d d t t a be to ; rs s s o (a)The ta e pl ce in th "co e a ek s a e v r g( )b Cl i o sui by o o be a f o a yamrtrn h l f n te r t r "a d uri g t ep l cy pe i drioyn d n h o i r o ; go e n e t l a t o iy o a y oh rvrmna uh r t r n t e (b)The e pe se a e i cu re a d re o t d toxnsrnrd n p r epesoo o ga i a i n ornr r n z t o f us wit i o e y a o the da e o thehn n e r f t ftetigfo,m n t r ng cl a i g up,s n r o i o i ,e nn na dreoig,con a ni g tre t ngmvnt i n ,a i , de o i y ng o ne t a i i g o in a yt xf i r u r lz n ,r n (c)The in ur d pe so subm t to e a i a i njernis x m n t o , wa re po di g to o a se sin they s n n ,r s s g e fe t o ,a be to , a be to fi e s o a o t n s were so a lf cs f s s s s s s b r r s f e a a n b y re ui eqr. pro uct co t i i ga be to .d s nann s s s b.We wi l m k th se pa m nt ola e e y e s f s.Em l ymen -Rel t d P act c spota e r i e fa l.The e pa m nt wi l no e ce d theut s y e s l t x e a pl ca l li i o i sura ce W e wi l papibemt f n n . l y"Pe so a n ur "tornli j y : re so a l x e se f r:a n bee p n s o (1)A e so ri in ut o nyprnasgofa:(1)F rst a d a m ni te e a the ti e o ai i d i s r d t m f n (a)Re u a oe po ha p rso ;f s lt m l yt t e n (b)Te mna i n o tha pe so 'sri t o f t r n (2),X-ra a dyn e pl y e t rmomn;o de t l se v ce , na r i s (c)Em l y e t re aepomn-l t d , , a t o o i si n,such a co rci n,c r m s o s e o (3)ho pi a ,s t l de o i n,e au ti n re ssi n e tmtov l a o ,a g m n ,pro e si n l nu si ga d un r l se v ce .f s o a r n n f e a r i s di cip i e fa l re to pro oe ors l n , i u m t 2.Ex l si ncu o savncehaasmn, hum l a i nd a ,r s e t ii t o , We wi l n t a e pe se fo "bo iyi j r ":l o p y x n s r d l nu ydicrimnain,li e , sl nd r v oa i ns i t o b l a e , i l t o o th pe so 's rig t ofern h f ,a.An I su edynr o fa se a re t,r l r s de e t o o i p i o m n a p i d t otninrmrsn e t p l e o r b H red P rso. i e nathapeso,re a de s ot t r n g r l s f whe he such otr, ,r To a pe so hi e to do wo k fo o o be a f ornrdr r r n h l f o i si n i a p i d o ismsospler a yi sure r t na t f ny i sure .n n do a e n o a n d co m t e be o e duri g o a t r themitdfr,n r f e c.In u y O N rma l O c p ed P em s sjrn o l y c u i r i e ti eo t a e so 's e po m nt rmfhtprnml y e ;o To a pe so in u e o th t pa t o pre i ernjrd n a r f m s s(2)The spo se chi d pa e t bro h r o sisteu, l ,r n , t e r r y u o n o re t tha th pe so no m lyowrnternral o th t pe so a a co se u nce ofarnsn q e f "pe so a i j ry to th t pe so a whornlnu"a r n t m d Wo ke s'Co p n a i n An i il r L w.r r m e s t o d S m a a sayotheeplyetreaenfmomn-l t d To a pe so ,whe he o no a "e pl y e orntr r t n m o e " fdecriein Pa a ra hsb d r g p (a),(b), or (c) a yi sure , i be e isf r t e "bo iyi j r "a en n d f n ft o h d l nu y raboveisdirected. pa a l o m st be pro i e und r a wo k r 'y be r u v d d e r e sThieclsin a pl e w e he th in ure m ys x u o p i s h t r e s d a co p nsa i n o di a iiy be e is la o ametorsbltnftwrbelal s a e po e r n ny o heibea n m l y r o i a t r si i a a .m l r l wa d t a y o l ga i n to sha e da a e wi h on o n b i t o r m g s t r e.Ath et c c i iti sl i s A t v erepay someone else who must pay damages o he "pe so a nj ry .f t r n li u "To a pe so i j re whi ern nu d l CO ERA E CVG o pa t ci a i g i a y phy ica e e ci e or r i p t n n n s l x r s s r–MED CAL P YMEN SIA T ga e , po t , o ahe i co te ts.m s s r s r t l tc n s1.In u in g e m nsrg A r e e t f.P o u ts-Co p e ed O era i n a ardrdcmltptosHza.We wi l pa m d ca e pe se al y e i l x n s s In l d d wi hi the "pro uct -co peecu e t n d s m l t dbeo o "bo iyi j r "ca se b n cci e tlwfrdlnuyu d y a a d n : o e a i n h z r ".p r t o s a a d(1)On p e i e y uo n r e trms s o w o r n ; g Co erag x l s o s.v e A E c u i n(2)On wa s ne t to pre i e y u o n o re ty x m s s o w r n ; or u d r o e a en e C v r g A. CG 1 0 02 1T0 9 Pa e9o 21gf© 2017 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. Because accident because practice policy privacy malicious prosecution directed practice policy act occurs, accident; regardless accident; Necessary medical,surgical including prosthetic devices; and Necessary ambulance, practices capacity because described occupies. practicing,instructing Excluded a o r e pe se by phy i i ntuxn, sc a s o o r ho cefuc i To any insured, except "volunteer workers". COMM RCIAL E ERAL IAB LITYEGNLI SU P EMEN ARY P YMEN SPL T A T a sum d by th in ure in th sa e "i surese e s d e m n d co tr ct ;n a "1.We wi l pa ,wi h to a y cl i wel y t n a m d.The a l ga i ns i th "sui "a d t e i f r a i nleto n e t n h n o m t oi v st ga eo se tl ,o a y "sui "a a nst n i suren e i t r t e r n t g i a n d we k o a o t th "o cur e ce o o f n e a enwb u e c r n "r f e s rwedfede n : such th t no co fl ct a p a s to e i t be we na n i p e r xs t e a.A l e pe se we i curl x n s n .th i t re ts o the i sure a d the i t re ts oe ne s f n d n ne s f th i de n t ee n m i e ;b.Up to $250 fo th co t o ba l bo ds re u re,0 r e s f i n q i d b ca se o a ci e ts o tra f c l w v oa i ne u f c d n r f i a i l t o s e.The in e n t e a d the i sure a k us todmie n n d s a i i g o t o the use o a y torsn u f f n a d co t o th de e se o than n r l e f n f t th Bo iy Inj ry Li b lt Co e a ea p i s. Wee d l u a iiy v r g p l e i d m i e a an t such "sui "a d a re than e n t e g i s t n g e t dono h v t h se bo ds.t a e o t e n we ca a si n th sa e co n e to de e d thnsg e m u s l f n e i sure ndth i d m i e ; ndn da e n e n t e ac.The co t o bo ds to a ta hm n s, buts f n t c e t f.The i d m i e :n e n t e o i sura ce W e do no ha e to furnsh th sefn n . t v i e (1)Ag e s i w ii g ore n r t n t : bo d .n s (a)Co p r t wi h us in th in e ti a i n,o e ae t e v s g t o d.Al re so a l e pe se by thela n be x n s se t e e t o d fe se o h "sui ";tl m n r e n f t e t i sure a o r re ue t to a sist us in then d t u q s s (b)Im e i t l se d us co i s o a ymdaeyn pe f n i v st ga i n o de e se o th cl i o "sui ",n e i t o r f n f e a m r t d m nd , no i e , sum o se o e ae a s tc s m n s r l g l i cl di g l ss o e rn n s up to $5 0 an u n o f a i g 0 pa e s re e v d in wi h theprc i e t "sui ";t e.Al co rt co ts ta e a a nst th i sure in thelus x d g i e n d (c)No i y an oh r insure who etf y t e r s "sui ".Ho e e , th se pa m nt do notwvreyes t co e a e i a a l be to th i de n t evrgs v i a l e n m i e ; a t rne s'fe s o a t rn y 'e pe se ta etoyerto e s x n s x d a dn a a nst h i sure .g i t e n d (d)Co p r t wi h us wi h too e ae t t f.Pre u g e t i t re t a a d d a a nst the co rdi a i go he a pl cajdmn ne s w r e g i o n t n t r p i be i sura celn n i sure o tha pa t o th j d m n we pa . If a a l bl o tn d n t r f e u g e t y v i a e t he i de n t e nnmie;a d we m k a o f r to pa the a pl ca l li i oa e n f e y p i be m t f (2)Pro i e u w t ri t n ut o i a i n tovds s i h w t e a h r z t o : i sura ce we wil no pa a y pre u g e tn n , l t y n j d m n (a)Ob an a d oh r i f r a i nt i n t e n o m t oiteet ba e o tha pe i d o ti e a t r thenrs s d n t r o f m f e re ae t h "sui "; ndl t d o t e t aofe.f r (b)g.Al i t re t o the fu l a o n o a y ju g e tlnesnlmut f n d m n i d m i e n uch "sui ".n e n t e i s ttht a t r e tr o th j d m n a dafe n y f e u g e t n So lo g a th a o e co d t o s a e m t a t r e s'n s e b v n ii n r e , t o n ybfoewehaepad,o f r d to pa ,oerv i f e e y r fe s by us in th de e se o thae e f n f tdeoitd in co rt th pa t o th ju g e t thapse u e r f e d m n t i de n t e ne e sa y lt ga i n e pe senmie, c s r ii t o x n siwt i h a pl ca l l m t o n ura ces i hn t e p i be i i f i s n . by us a d ne e sa ylt g ti ne p nse bync s r ii a o x e sTheepa m n s wi l no the l m ts os y e t l t i i f th i d m i e a o r re u st wi l be pad ae n e n t e t u q e l i s.Su pe e t ry Pa m n s. No wi h ta dn theplmnayet t t s n i g2.If we de e d a i sure a a nst a "sui "a d afn n n d g i t n n pro i i n o Pa a ra hvsos f r g p 2..2)b (of I – i d m i e o the in ure i a so na e a an e n t e f s d s l m d s Co e a e –Co e a evrgs v r g A –Bo iy Inj ry Andlu d to the "sui ", we wi l de e d tha i d m i e if a l ot l f n t n e n t e l f Pro e ty Da a e Li bi iy o Pa a ra hprmg a lt r r g p 2..e of th f l o i g e o l w n I –Co e a e –Co e a evrgs v r g B –Pe so arnl An Adv rt sin Inj ry Li bi iy such pa m nt wi ld e i g u a lt , y e s la.The "sui "a a nst the i d m i e se ktgin e n t e e s no be de m d to be da a e fo "bo iy i j ry ,t e e m g s r d l nu "da a e fo the in ure ha a sum dmgsrsds s e "pro e ty da a e o "pe so a in u y ,a d wi l noprmg"r r n l j r "n l tthlaiiyothidmieina oeiblt f e n e n t e r re u e t e l m ts o n ura cedchi i f i s n .a re m ntg e e b.Thi i sura ce a pl e t uch l a iiy a sum dsn n p i s o s i b lt s e Ou o l g t o to de e d a in ure ' in e n t erbiainfn n s d s d m i e by t e i sure ;h n d a d to pa fo a t rne s'fe s a dnyrtoye n lt g ti n e pe se a Sup l m na y Pa m n siia o x n s s pe e t r y e tc.The o l ga i n to de e d o the co t o thbi t o f n ,r s f e e ds wh nn e :de e se o ,tha i d m i e , ha a so be nfnf t n e n t e s l e Pa e 10 o 21gf CG 1 0 02 1T0 9© 2017 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. respect vehicle which furnish release incurred actual conduct connection include accrues reduce insurance party which contract that is an "insured contract"; respect records incurred incurred incurred Section Section necessary itonlyfor bond amounts theapplicable limwithin day because of time off from work. Co du t a d co t o th de e se o t encn n r l e f n f h conditions are met: COMM RCI L G NERAL IAB LI YE A E L I T a.We ha e use up the a pl ca l l m t o wo k rs"whi e pe fo mng duvd p i be i i f r e l r r i ti se in th pa m nt o j d m n s,re ae to the co d ct oeyefu g e t l t d n u f y uro se t e e t o m d ca x e se ; r bu i e s;tl m n s r e i l e p n s o s n s (b)To th spo se chi d pa e t,bro he oe u , l ,r n t r rb.The co d t o s se fo t a o e o the te m oniintrh b v ,r r s f si te o tha co "e pl y e osrf t -m o e "rthare e i a a ra he g e m n n P r g p f.a o ebv , "v l ne r wo k r"a a co se u nceouteresn q ea en o ge e .r o l n r m t o a a r pfP r g a h (1)a)(a o ebv ;SE TI N I –WH S AN I SU EDCOIOIN R (c)F r whi h th re i a y o l ga i n toocesn b i t o1.Ify u re d si n t d n tho a e g ae i e sha e da a e wi h o re a so e nermgs t r p y m oa.An in i i ua , y u a d y u spo se a edvdlo n o r u r e se who m st pa da a e be a seluymgs c ui sure s, but o l wit to then d n y h o the in ur de cri e in Pa a ra hf j y s b d r g pousinsso o re t e so eo n r.f ab e f y ua h l w e (1)a)(or (b)a o e rbv ;o b.A pa tn rshi o jo n v n ure y u a e are p r i t e t ,o r n (d)Ari i g o t o hi o he pro i i g osn u f s r r v dn ri sure .Y ur m m e s, y u pa t e s, a dn d o e b r o r r n r n fa l ng to pro i e pro e sio a he l hii v d f s n l a tthi spo se a e a so in ure s, bu o l wi herusrl s d t n y t ca e se v ce .r r i s Unl ss y u a e in th busin ss oe o r e e rc.A li i e l a iiy co pa y y u a e a i sure .m t d i b lt m n ,o r n n d o cup ti n o pro i i g pro e sio a he l hca o f v dn f s n l a tYum m e s a e a so i sure s, bu o l wi hore b r r l n d t n y t ca e se v ce , Pa a ra hr r i s r g p s (1)a)(,(b),(c)to th o y ur busin ss. Y uefo e o r a dn (d)a o e dono a pl to "bo iyi j r "b v t p y d l nu ym na e s a e i sure s, but o l wi h ta g r r n d n y t o a i i g o t o pro i i g o fa l n to pro i ersn u f v dn r ii g v dthiui s a y ur a a e s.e r d t e s o m n g r fi st a d o "Go d Sa a i a se v ce "byriromrtnri s d.An o ga i a i n o he th n a pa t e shi , j i trnz t o t r a r n r p on a y o y ur "e pl y e "o "v l ne rnfomo e s r ou t e v nt r o l mte l a iiy co p ny y u a e ae u e r i i d i b lt m a ,o r n wo k rs", oh r tha a e po e orete n n m l y d r v l ne r Any such "e pl y e "ooutemo e s r a e in ure s, but o l wi h to th irsd n y t e r "v l ne r wo k rs"pro i i g o fa l ng toouterevdnrii d ti s a y ur o . Y uu e s o r o r pro i e fi st ad o "Go d Sa a i avdriromrtn st ck od r a e a so i sure s, but o l wi ho h l e s r l n d n y t se v ce "du i g the r wo k ho rs fo y uri s r n i r u r o wi l be de m d to be wi hi thele e t n sco e o the r e pl y e t by y u opf i m o m n o re.A tr st, y u a e a in ure .Y u tru te s a eu o r n s d o r s e r pe f r i g dut e re ae to the co d ct oromni s l t d n u fasoinures, but o l wit to th il s d n y h e r y ur usin ss.o b edtis a t u te s.u e s r s e (2)"Pro e ty d m ge to pr p rt :p r a a "o e y2.f hefo l wi g i a so a i sure :o t l o n s l n n d (a)Own d,r se ye o u db ;a.Y ur "v l ne r wo k rs"o l whi e pe fo mngo ou t e r e n y l r r i (b)Re t d to in the custo y one, ,d rduis re ae to the o y ur busin ss,t e l t d f o e co tr l o ,o o e whi h phy ican o f r v r c s loyu"e pl y e ", oh r th n e t e y urormo e s t e a i h r o r co tr l i b i g e e ci e fo a yn o s en x r s d r n pu po eb ;r s yohrthaapateshi, j i t v nu eo l m t dte n r n r p on e t r r i i e l a iiy co p ny o y u a a e s (i o re aibltma) r o r m n g r f y ua y u,a y o y u "e pl y e ","v l ne ro n f o r m o e s ou t e l mte l a iiy co pa y,but o l foi i d i b lt m n )n y r wo k rs", a y pa t e o m m e i o rere n r n r r e b r (f y ua wi hi the o the r e po m n by y u otnf i m l y e t o r a pa t e shi o jo n v nu e ,o a yrnrpri t e t r ) r n whi e pe f rm n du i s re ae to the co d ctlroigtel t d n u m m e (i y u a e a li i e l a iiye b r f o r m t d i b lt o y ur busin ss. Ho e e ,no e o th sefo e w v r n f e co pa y.m n ) "e pl y e "o "v l ne r wo k rs"a emo e s r ou t e r e r b.An pe so (o he tha y ur "e pl y e oyrntrn o m o e "risurdfr:n e s o "v l ne r wo k r"),o a y o g n z t o ,whi eouterernraiainl (1)"Bo iyi j r "o "pe so a n ur ":d l nu y r r n li j y a t n sy u e l e ta e m na e .ci ga o r r a s t a g r (a)To y u, to y u pa t e s o e be s (io o r r n r r m m r f c.An pe so o o g n z t o ha i g pro eyrnr r a i a i n v n p r y u a e a pa t e shi o j i t v nu e ,o r r n r p r on e t r )te po a y custo y o y ur pro e ty if y u di ,m r r d f o p r o e to y u m m e s (if y u a e a li i eore b r o r m t d bu nl :t o y l a iiy co p n ),to a co "e pl y eibltmay-m o e "(1)Wit to li b lt a i i g o t o theh a iiy r s n u fwhieinthohiohelef s r r m i t na ce o se o t a r p rt ;a dane n r u f h t p o e y neplyetope fo mng dut emomnr r r i i s re ae to the o y ul t d f o r (2)Unt l y u l ga re r se t tv ha be niorelp e na i e s e bu i e s, o to y u oh r "v l ne r a po ne .s n s r o r t e ou t e p i t d CG 1 0 02 1T0 9 Pa e 11 o 21gf© 2017 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. insurance t described Declarations as: respect conduct which respect conduct respect respect officers directors respect Each conduct acts scope doctor. acting occupied care course conduct respect respect to the conduct of your business. i sure .Y u "e e u i e o fi e s"a d di e t rsn d o r x c tv f c r n r c o respect to their liability as stockholders. "e e u i e o f ce s"(i y u a e a o ga i a i nx c tv f i r f o r n r n z t o COMM RCIAL E ERAL IAB LITYEGNLI d.Y u l g l re re e t tv if y u di , but o lore a p s na i e o e n y b.Ari e o t o th o n r hi , m i te a ce os s u f e w e s p an n n r wi h to duti s as such. Tha use o t a a t o ny pre i etet f h t p r f a m s s l a e o y u.e s d t o re re e ta i e wi l ha e a l y u rig t a dpsntv l v l o r h s n The i sura ce pro i e to such pre i e o ne ,n n v d d m s s w r du i s un e hi Co e a e Pa tte d r t s v r g r .m na e o l sso i to the fo l w nga g r r e r s l o i e.An pe so o o ga i a i n tha , wi h y u pro i io s:y r n r r n z t o t t o r vs n e pre s o im l e co se t,e t e use o isx s r p i d n n i h r s r a.The l m ts o i sura ce pro i e to suchi i f n n v d d re po sib e fo the use o a wa e cra t th t y usnlrf t r f a o pre i e o ne ,m na e o le so wi l be thems s w r a g r r s r l dono o n th t s:t w a i m n m m l m t th t y u gre d op o i e i hei i u i is a o a e t r v d n t (1)50fe t o g r e s; a d wri t n o a r e e t,o the leln o l s n t e r g e m n r i ismt sho n i he ra i ns, hi e a e l ss.w n t t o w v r r e(2)No beng use to ca ry a y pe so ot i d r n r n r pro e ty f r .p r o a b.The in ura ce pro i e to such pre i esnvd d m s s o ne ,m na e r e so o s no a pl t :w r a g r o l s r d e t p y o3.An o g n z t o y u ne l o fo m oh ryraiain o w y r r , t e th n a pa t e shi ,jo n v nt r o l m t d l a iiyarnrpi t e u e r i i e i b lt (1)An "bo iy in u y o "pro e ty da a eydl j r "r p r m g " co p ny a d o y u a e t e soeo n r o i th t o cur , o "pema,n f o r h l w e r n a c s r rso a a d a v rti inln d e s ng y u m i t i a o ne shi in e e t o m r i j ry ca se byo anan n w r p t r s f o e nu "u d a o fe se tha infnt s th n 50 , wi l qu l fy a a Na e nsure f t e e i co m t e , ft r oa%l a i s m d I d i h r s m it d a e y u tobe t na t na e n i no oh r sim l r in ura ce a a l bl to tha th t re i e ; rteiasnv i a e t a p m s s o o ga i a i n o e e :r n z t o .H w v r (2)St u tu a a te a i ns, ne orcrl l r t o w r a.Co e a e und r thi pro i i n i a f rde o l de o ii n o e a ivrg e s vs o s f o d n y m lt o p r t o s pe fo m dnr r e by o orn un i th 180t da a t r y u o fo m th be a f o such p e i e otle h y f e o r r e h l f r m s s wn r,m na e re a g r o o ga i a i n o the e d o the pe i d,l sso .r n z t o r n f r o e r 5.An pe so o o g n z t o th t is a e ui m ntyrnr r a i a i n a n q p e b.Co e a evrg A do s no a pl to "bo iy in u y o l sso nd t a o a eetpydl j r "r e r a h ty uh v gr e i w it n coa e d na r t e ntr cta "pro e ty da a e th t be o e y u o a re m nt to in l dprmg"a f r o r g e e c u ea a a d t o asn d ii n l i sure on d n i e r f rm d he o ga i a i n nd th s Co e a e Pa t is aurdo o e t r n z t o ;a i v r g r n i sure ,bun d t o l wi hny t re pe t to l a iiy fo "bo iy i j ry ,"pro e tys c i b lt r d l nu "p rc.Co e a evrg B do s no a p y to "pe so a a detplrnln da a e , r "pe so a nd a v rt si g i j ry th t:m g "o r n l a d e i n nu "aavrtsini j ry a i i g o t o a o f n ed e i g nu "r s n u f n f e s co m t e be o e y u a q i e o fo m d themitdfrocurdr r e a.Is "bo iy i j ry o "pro e ty da a e th tdlnu"r p r m g "a o ga i a i n o cur , o i "pe so a a d a v rt si g in u yrnz t o .c s r s r n l n d e i n j r " ca se by a o fe se tha is co m t e ,u d n f n t m it dFrth pu po e o Pa a r po e r s s f r g a h 1.o Se t of ci n II –subse u nt to the si n ng o tha co tr ct oq e g i f t n a rWhoIsAnInure, e ch such o ga i a i n wi l besd a r n z t o l a re m nt a dg e e ;nde m d ob e ig ae n t ee e t ed s n t d i h b.Is ca se , in who e o i pa t,by y u a ts ou d l r n r o r c r a.An o g n z t o ,o he tha a pa t e shi , jo nraiaintrnrnrpi t o i si n in the m i t n nce o e a i no usemsosane a ,p r t o r v nt r r i i e i bi iy co pa y re u eo l m t d l a lt m n ;o o e u pm n l a e to y u by such e up e tfqietesd o q i m n l sso .e rb.A rust;t The in ura ce pro i e t such qu p e tl sso ssnvd d o e i m n e r ia e in it na e o the do um nt thas t d s m r c e s t subj ct to t e fo l wi gp o i i n :e h l o n r vs o sgoe n i s str ct revrtu u . a.The l m ts o i sura ce pro i e to suchi i f n n v d d4.An pe so o o g n z t o th t i a pre i eyrnr r a i a i n a s m s s e ui m n e so w l e t e m n m m l m t t aq p e tl s r il b h i i u i is h t o ne ,m n g r o l sso a d th ty u ha ea re dwra a e r e r n a o v g e y u a r e to pro i e i the wri te co tr ct oo g e d v d n t n n a r i a wri t n co t a t o a re m nt to i cl d a ante n r c r g e e n u e s n a re m nt o the li is sho n i thg e e ,r m t w n e a di i n l in ure o th s Co e a e Pa t is adto a s d n i v r g r n De l ra i ns, hi h v r a e l ss.c a t o w c e e r e i sure ,but o l wit re pe t to li b lt fo "bo iyn d n y h s c a iiy r d l b.The i sura ce pro i e to such e up e tn n v d d q i m ni j ry ,"pro e ty da a e o "pe so a a dnu"p r m g "r r n l n l sso do s no a pl to a y "bo iy i j ry oeretpyn d l nu "ravrtsinnur"th t:d e i g i j y a "pro e ty da a e th t o curs, o "pe so aprmg"a c r r n l a.Is "bo iy i j ry o "pro e ty da a e th t a d a v rt sin in ur "cadlnu"r p r m g "a n d e i g j y u e by a o fe sesd n f n th t i co m t e ,a t r the e ui m nt l a easmitdfe q p e e soccurs, or is "personal and advertising injury" e pi e .x r scasebya o fe se tha is co m t e ,u d n f n t m it d subse u nt to the si n ng o tha co tr ct oq e g i f t n a r No pe so o o ga i a i n is a in urernr r n z t o n s d a re m nt a dg e e ;n th co du t o a y curre t o pa t pa t e shi ,jo ne n c f n n r s r n r p i t Pa e 12 o 21gf CG 1 0 02 1T0 9© 2017 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. respect charge acquire which which acquire policy whichever is earlier; occurred acq subject contract Decla che cease construction indica Declarations as: with respect to COMM RCI L G NERAL IAB LI YE A E L I T a.The a o n sho n fo th Da a e Tomutwremg a Na e In ure in the ra i n .Thi pa a ra h Pre i e Re tmdsd a t o s s r g p m s s ne To Y u Li i i thd o m t n e do s no a pl to a ysuch pa t e shi ,jo n v nt re o De raetpynrnrpi t e u r t o s o hi Co e a e Painf t s v r g rt o;r l mte l a iiy co pa y tha oh rwi e qua i i s a ai i d i b lt m n t t e s lf e s n b.$3 00 0 if no a o nt i sho n fo the0,0 m u s w r Da a e To Pre i e Re t d To Y u Li i imgms s ne o m t n SE TI N II –L MIT F I S RAN ECOI I S O N U C 7.Su j ct to Pa a r pberg a h 5.a o e the M d cabv ,e i l1.The Li i s o Insura ce sho n i thmt f n w n e Ex e se Li i i th m st we wil pa und rp n m t s e o l y ead th rul s be o fi the m st we wi l pan e e l w x o l y Co e a evrg C fo a l m di e p nse be a se orlexes c u frgadesohenu be f:e r l s f t m r o "bo iyi j r " su ta n d y a y o ep rso .d l nu y s i e b n n e na.In ure s;s d The Li i s o Insura ce o thi Co e a e Pa t a plmt f n f s v r g r p y b.Cl i s m de o "sui s"bro gh ;oamartutr se a ae y to e ch co se ut v a n a pe i da d to a yprt l a n c i e n u l r o n n re a ni g pe i d o l ss th n 12 m nt s, sta t n wi hminrofe a o h r i g tc.Pe so s o o ga i a i n m k ng ornr r n z t o s a i r th be i nn o the po i y pe i d sho n i thee gn i g f lc r o w nbrigng"sui s".n i t De ra i ns, un e s the po i y pe i d is e t nd d a t rtol s lc r o x e e f e2.The Ge e a Agg e aeL m t m st e wi l p ynrlrgt i i i o w l a i sua ce fo a a di i n l pe i d o le s th n 12snrn d t o a r o f s afo he sum o :r t f m nt s. In th t ca e th a d t o a pe i d wi l beo h a s ,e d ii n l r o l a.M di a x e se un e o e a eec l e p n s d r C v r g C;de m d pa t o h l st re i g e i d o urp se oe e r f t e a p n p r o f r p o s f de e m n ngth L m ts o nsura cetri i e i i f I n .b.Da a e unde Co e a emgsrvrg A, e ce t da a expmgs o "bo iyi j ry o "pro e ty da a efdlnu"r p r m g "SE TI N I –CO MERCIAL G N RAL L AB L TYCOVME E I I I i cl d d in th "pro uct -co pee o e a i nsn u e e d s m l t d p r t o CO D TI NNIOS ha a d ; ndzr"a 1. B n ru tcya k p c.Da a e u d r Co e a emgsn e v r g B.Ba k up cy o i so v ncy o th i sure o o thnrtrnlefe n d r f e 3.The Pro u ts-Co pl t d Ope a i ns Aggr g tedcmeerto e a i sure 'e ta e wi l no re i v us o o r o l ga i nn d s s t l t l e e f u b i t o s Li i i th m st we wi l pa un e Co e a emt s e o l y d r v r g A for un e hi Co e a e Pa tdrt s v r g r . da a e o "bo iy in u y a d "pro e tymgs f d l j r "n p r 2. D ti s In T e vent O cc rren e O f n e,u e h E f O u c ,f e sdaa e i cl de i the "pro uct -co peemg"n u d n d s m l t d Cla m r S iiOuto e a i n h z rd .p r t o s a a " a.Y u m st se to i th t we a e no i i d a so no u e t a r tf e s o4.Su j ct to Pa a r pberg a h 2.a o e th Pe so a Andbv ,e r n l a pra a l o a o a o f n esbefn"r n f e sAdetsigInuyLiiis the m st we wi l pavrinjrmtol y whi h m y re ul i a cla m To the e t ncas t n i . x e tuneCoe a edrvrg B fo the sum o a l da a erf l m g s po si l ,sho lsbe udbease o a l "pe so a i j ry a d "a v rt sincuf l r n l nu "n d e i g (1)Ho , whe a d whe e the e ce own n r r n "ri j ry susta n d y a y o e pe so r r a i a i nnu" i e b n n r no o g n z t o . o fe se t o l cefn o k pa ;5.Su j ct to Pa a r pberg a h 2.or 3.a o ebv , (2)The na e a d a dr sse o a y in ur dmsn d e s f n j eaple, the Occurr n e Li i i th m st wepi s e c m t s e o pe so s a d i n sse ; ndrn n w t e s awilpyfo he sum o :l a r t f (3)The na ur a d l ca i n o a y i j ry ote n o t o f n nu ra.Da a e u d r Co e a emgsn e v r g A; nda da a e a i i g o t o th e ce omgrsn u f e r n "rb.M di a x e se un e o e a eec l e p n s d r C v r g C;o fe sefn. be a se o a l "bo iyi j ry a d "pro e ty da a ecuf l d l nu "n p r m g "b.If a cl i i m de o "sui " i bro g t a a nstamsart s u h g iai i go t o a y o e "o cur e ce .r s n u f n n c r n "a yi sure ,y u u t:n n d o m s F r the pur o e o de e m ni g the a pl ca lo p s s f t r i n p i be (1)Im e i t l re d th o themdaeyefEah Occurr n e Li i,a l re ae ocecmt l l t d r cl i r "sui "a d heda e r ce v d ndamotnt t e i e ;aoi si n co m t e i pro i i g o fa l ng tomsosmitd n v dn r ii (2)No i y us a so na pr ctca l .tf s o s a i beproiefist ad o "Go d Sa a i a se v ce "tovdriromrtnri s a y o e pe so wi l be de m d to be o en n r n l e e n Y u m st se to i tha e r ce v ri t n o u e t t w e i e w t e "o cur e ce .c r n "o h cl i o "sui "a so naf t e a m r t s o s 6.Su j ct to Pa a r pberg a h 5.a o e th Da a e Tobv ,e m g c.Y ua d ny o he n o v d n ure m st:o n a t r i v l e i s d u Pre i e Re t d To Y u Li i i the m st we wilms s ne o m t s o l (1)Im e i t l se d us co i s o a ymdaeyn pe f npaundr Co e a eyevrg A fo da a e ormgs f de a d , , sum o se o le amnsmnsrgl"pre i e da a e to a y o e pre i e .Thems s m g "n n m s s pa e s re v d in co ne n wit thpre n h eDaa e To Pre i e Re t d To Y u Li i w l emgms s ne o m t il b :cl i r "sui ";a m o t CG 1 0 02 1T0 9 Pa e 13 o 21gf© 2017 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. Decl Declarations claims s the because cla cal cla ced because whichever Each acts because ctic "occurrence notice include: "occur "occur cor specifics notice practicable. notices cei ctio v nt r o l m t d l a iiyco pa y tha is no sho n ae u e r i i e i b lt m n t t w s the Declarations of this Coverage Part. insured under Section II – Who Is An Insured. COMM RCIAL E ERAL IAB LITYEGNLI (2)Au h ri e us to o ta n a d oh rtozbinte (i ii)An o f ce o of i r r f i f rm t o ;a y oh r r a i a i n rn o a i n n t e o g n z t o ;o (3)Co p r t wi h us i th in e ti a i n oo e ae t n e v s g t o r (v)i A ruste f ny t u t;t eo a r s se t e e t o the cl i o de e se a a nsttlmnfamrfn g i th t is y u pa t e ,jo n v nu ea o r r n r i t e t rth"sui "; ndeta m m e ,m na e o ru te ; re b r a g r r t s e o (4)Assi t us, upo o r re ue t, i thesn u q s n (b)An e po e a t o i e by suchyml y e uh r z defoceeto a y ri h a an t a ynrmnfn g t g i s n pa t e shi , j i t v n ure li i ernrp on e t ,m t dpesoo o ga i a i n m y be l a lrnr r n z t o a i be l a iiy co p ny trust or ot eibltma,h rto th i sure o in u y o da a ee n d f j r r m g o ga i a i n to gi e o arnz t o v f ntowhch hi i sura ce m y a soa p yi t s n n a l p l .o o fe se"r f n . d.No in ure wi l e ce t a th t in ure 's o nsdl, x p t a s d w (3)to us o such ofrco t, v l nt ri y m k a pa m n ,a sum a ysou a l a e y e t s e n o fe se wi l bede m d tobe gi e a so nfnle e v n s oolgtin o a y e pe se oh r tha fobia o ,r n x n , t e n r a pra ti a l i it is gi e i go d fa th as c c be f v n n o i sfi st i ,wi h u o r r ad t o t u so n a pra ti a l to y u wo k r 'o s c c be o r r e s co p nsa i n in ure .Thi a p i s o l ifmetosrsple n ye.The fo l wi g pro i io s a p y to Pa a ra hlo n vs n p l r g p a. y u subse ue tl gi e no i e to us o theo q n y v tc fa o e bu o l fo pur o e o th in ura cebv , t n y r p s s f e s n "o cur e ce o o fe se a so n acrn"r f n s o sproieunet i Co e a e Pa t o y uo a yvd d d r h s v r g r t o r n pra t ca l a t r a y o th pe so scibefe n f e r nisurelsteiPaarpn d i d n r g a h 1.or 2.o Se ti nf c o II de cri e in Pa a ra hsb d r g p e.1( )or (2)a o ebv–Who I A nsure :s n I d di co e s tha th "o cur e ce o o fe ses v r t e c r n "r f n (1)No i e to us o such otc f r m y re ul in sum to whi h the in ura ceas t s c s n o fe se m st be gi e a so n afn u v n s o s pro i e un e th s Co e a e Pa t m yvd d d r i v r g r a pra l o l a t r th e ce obe n y f e e r n "r a pl .p y o fe se is k o n to y u (i y u a e afn n w o f o r n Ho e e , i thi po i yi cl de a e do se e twvrf s lc n u s n n r m nidvdul ,a y o y u pa tn rs orni i a )n f o r r e th t pro i e li i e co e a e fo "bo iyi j ryavdsmtdvrgrdlnu"m m e s who i a in i i u l (if y u a e ae b r s n d v d a o r o "pro e ty da a e o po l ti n co ts a i i grprmg"r l u o s r s npateshiojonvnure,a y o y urnrpri t e t )n f o r o t o a di cha ge re e se o e ca e ouf s r , l a r s p fm na e s who is a in i i u l (i y u a eaa g r n d v d a f o r "po l t n s"whi h co t i s a re ui e e t thaluat c nan q r m n tlmteliblty co p n ), a y o y ui i d a ii m a y n f o r th di cha ge re e se o e ca eo "po l t n s"e s r , l a r s p f l ua t "e e u i e o f ce s"o (i y u a ex c tv f i r r f o r m st be re o te to us wi hna spe i i n m eu p r d t i cfc u b r a o g n z t o oh r tha a pa t e shi ,n r a i a i n t e n r n r p o da s a t r i s a ru t co m n e e t,th sf y f e t b p m e c m n i j i t v nt re o li i e l a iiy co pa y,on e u ,r m t d i b lt m n )Pa a r prg a h e.do s n t a fe tt a e u re e t.e o f c h t r q i m n a y o y ur tr ste s who is a i d v du l (ifnfo u e n n i i a 3. L g l c i n Ag i s se a A t o a n t Uyu a e a trust) o a y "e pl y eor r n m o e " No pe so o o g n z t o ha a ri h und r th srnr r a i a i n s g t e iatoiebyyu to gi e no i e o auhrzd o v tc f n Co e a e P rtvrg a :"o cur e ce o o fe secrn"r f n . a.To jo n us a a pa t o oh r i e bri g us i ti s r y r t e w s n no(2)If y u a e a pa t e shi ,jo n v n ureor r n r p i t e t , a "sui "a ki g o d m ge f o n n ure ;ot s n f r a a s r m a i s d rlmteliblty co pa y o tru t,a d no ei i d a ii m n r s n n b.To sue us o th s Co e a e Pa t unl ss a l oni v r g r e l foyurpates, jo n v nt r m m e s,f o r n r i t e u e e b r ist rm ha e be n u l co p i d i htes v e f ly m l e w t .m na e s o t u te s a e i di i u l , o i ea g r r r s e r n v d a s n tc to us o such "o cur e ce o o f nse m stf c r n "r f e u A pe so o o ga i a i n m ysue us to re o e ornr r n z t o a c v r n be gi e a so n a pra ti a l o l a t rvnsos c c be n y f e a a r e se t e e t o o a fi a ju g e t a a nstn g e d tl m n r n n l d m n g i th "o cur e ce o o fe se i k o n yecrn"r f n s n w b :a in ure ;but we wil no be li be fo da a ensdl t a l r m g s th t a e no pa a l und r th te m o th sart y be e e r s f i(a)An nd v du l w o i :yi i i a h s Co e a e Pa t o tha a e i e ce s o thevrgr r t r n x s f (i)A pa t e o m m e o a yrnr r e b r f n a pl ca l l m t o in ura ce An a r e se tl m npibei i f s n .g e d t e e t pa t e shi r on e t r ;r n r po j i t v nu e m a s a se tl m n a d ee seo i b lt ig e ye n t e e t n r l a f l a iiys n db us, the i sure ,a d the cl i a t o th cla m n 'n d n a m n r e i a ts(i )i A m na e o a y l mte l a iiya g r f n i i d i b lt l ga e r se ta i eelrp e n tv .co p nyma; Pa e 14 o 21gf CG 1 0 02 1T0 9© 2017 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. records which because executive director notice "occurrence Notice "occurrence" incur consent. ctica "occur directors "occurrence" COMM RCI L G NERAL IAB LI YE A E L I T 4.O h r n u an e (iteIsrci)Tha i in ura ce fo "pre i et s s n r m s s da a e ;m g "If v l d a d co l cti l oh r i sura ce is a a l bl oainle be t e n n v i a e t (i )ii If th lo s a i e o t o theesrs s u fthisurefoalosweco e unde Co e a ee n d r s v r r v r g s A m i t na ce o use o a rcra tane n r f i f ,or B o th s Co e a e Pa t o r o l g t o s a ef i v r g r ,u b i a i n r "a t s"o wa e cra t to the e t ntuortrf x elmteadecrieia a ra hi i d s s b d n P r g p s a.a dn b.be o .l w no subj ct to a y e cl sio i th ste n x u n n iAs use a y he e in th s Co e a e Pa t oh rd n w r i v r g r , t e Co e a e Pa t th t a pl e tovrgra p i sisuracemasinuraceothfunig on n e n s n ,r e dn f a rcra t "a t s"o w t rcra ti f ,uo r ae f ;l sse , ha s p o i e y hr u ho o b ha f o :o s t ti r v d db , t o g r n e l f (i )v Tha is in ura ce a a l bl to at s n v i a e(i)An t e i sura ceco pa yohrn n m n ;pre i e ow e ,m na e orms s n r a g r (i )i Us o n f ur ffl ae n ura ceco pa i s,r a y o o a ii t d i s n m ne l sso th t qua i i s a a in ureeralfesnsd e ce t whe th No cum l t o oxp n e n ua i n f un e Pa a ra hdr r g p 4.of II – Occurr n e Li i pro i io o Pa a ra hecmt vs n f r g p 5.of Who Is An Insure ,e ce t whedxp n III –Li is Of Insura ce o th Nomtnre n Pa a r prg a h d.be o pp i s; rlwale o cum l ti n o Pe so a a d Adv rt sin In urua o f r n l n e i g j y (v)Tha is i sura ce a a l be to atn n v i a l nLiiproiiooPaarahmt vs n f r g p 4.of III –e ui m n l sso th t qua i i s aq p e t e r a lf e sLiisoInuracea p i s thmt f s n p l e e a in ure unde Pa a r pnsdr r g a h 5.ofAmnmn –No Cum l t o Of e d e t n ua i n II –Who Is An Insure ,dOccurrn e Li i Of Li bi iy And Noecmtaltn e ce t whe Pa a ra hxp n r g p d.be olwCuml t o Of Pe so a A d Ad e tsi g Inj ryuainrnlnvrin u a pl e .p i sLiiedoseeti i cl de n thmtnrmnsn u d i i ; (b)An o the oh r i sura ce whe hey f t e n n , t r(i ii)An i k ee ti n gro p;oyrsrtn o u r pri a y e ce s, co t n e t o o a ymr, x s n i g n r n n oh r ba is, tha i a a l bl to thtes t s v i a e e(iv)Any self-insurance method or program,in i sure whe the i sure is an d n n d nwhich case the insured will be deemed to be th p o i e f oh r i sura ce a di i n l i sure , o is a y oervdrote n n .d t o a n d r n th re i sure tha do s no qu l fy a an d t e t a i sOteinuracedosnoinldum re lhrsn e t c u e b l a na e i sure ,un e such oh rmd n d d r t eisuraceo e ce s in ura ce th t wa bo g tn n ,r x s s n ,a s u h i sura cen n .spe i i a l to a p y in e ce s o th Li i s ocfc ly p l x s f e m t f (2)Whe th s i sura ce i e ce s, we wilnin n s x s lInuracesho n in the o th ssnwf i ha e no dut und r Co e a ev y e v r g s A or B toCoe a e P rtvrg a . de e d th i sure a a nst a y "sui " i a yfn e n d g i n t f nAs use a y he e in th s Pa t oh rd n w r i r , t e oh r in ure ha a du y to de e d thetesrs t f nisuremasaproie o oh r in ura ce Asnre n v d r f t e s n .i sure a an t tha "sui ". If no oh rn d g i s t t t euse in Pa a ra hdrg p c.be o ,in ure m a s alwsre n i sure de e d , we wi l un e t k t o sonrfns l d r a e od ,pro i e f n ura cevdroi s n .bu we wi l b nt t e t h i sure 'ri h st l ee il d o t e n d s g t a a nst l h seoh r nsur r .g i a lt o t e i e sa.P i ary I su an ermnrc (3)Whe thi in ura ce i e ce s o e oh rns s n s x s v r t eThiinsuraceis pri a y whesnmrn i sura ce we wi l pa o l o r sha eo then n , l y n y u r fPaarprg a h b.be o a pl e . If th s i sura ce ilwpi s i n n s a o nt o the lo s, i a y th t e ce d themuf s f n ,a x e spriayo r o l g ti n a e no a f cte un e smr,u b i a o s r t f e d l s sum o :fayothohrisuraceis a so pri a ynfete n n l m r . (a)The to a a o nt tha a l such oh rt l m u t l t eThe,we wi l sha e wi ha l t a o he n ura cenlrt l h t t r i s n i sur n e wo l pa fo th lo s i thn a c ud y r e s n ebytem th d e cri e n Pa a r ph e o d s b d i r g a h c.be o ,l w a se ce o hi i sura ce nb n f t s n n ;a decet h n a a ra hxpweP r g p d.be o pp i s.l w a l e (b)The to a o a l a d se ft l f l n l -b Ex e s I s ran e.c s n u c i sure a o nt unde a l th t oh rn d m u s r l a t e (1)Thi i sura ce i e ce s o e :s n n s x s v r i sur n en a c . (4)We wi l sha e the re an ng l ss, if a ylrmi i o n ,( )a An o the o he in ura ce whe hey f t r s n , t r wi h a y o he in ura ce th t i notntrsn a s tpriayeces, co t n e t o o a ymr, x s n i g n r n n de cri e in thi Ex e s Insura cesb d s c s nohrbsi :t e a s pro i i na d wa no bo g tspe i i a l tvso n s t u h cfc ly o()i Tha is Fi e Ex e d d Co e a etr, t n e v r g ,a pl i e ce s o the Li is o In ura cepynx s f m t f s nBule'Ri k In ta l t o Risk oidrs s , s l a i n r sho n i th r t o s o thi Cov r gwn e a i n f s e a e Pa tr. CG 1 0 02 1T0 9 Pa e 15 o 21gf© 2017 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. Each Section Section because Each s policy Section Section except deductible Declasimilar coverage for "your work"; Declarations Coverage COMM RCIAL E ERAL IAB LITYEGNLI c. Meth d O h rin a.o f S a g The sta e e t in th a etmnser a cura ea d co peec t n m l t ;If a l o the o he i sura ce pe m t co t i ut ol f t r n n r is n r b i n by e u lsha e , w il fo l w t i m t o l oq a r s e w l l o h s eh da s .b.Tho e sta e e ts a e ba e upos t m n r s d n Und r th s e ch in ure co t i ut s re re e t ti n y ueiasrnrb e p s na o s o a e to us; nmd a d e ua a o n s unt l it ha pa d it a pl ca lqlmut i s i s p i be c.We ha e i sue th s po i y i re i n e up nv s d i lc n l a c o l m t o in ura ce o no e o th l ss re a ns,i i f s n r n f e o m i y ur e re e ta i ns.o r p s n t o The uni te ti n l o i sio o ,o uni t n i na e ron n o a m s n f r ne t o l r r If a y o th oh r i sura ce do s no pe m tnfete n n e t r i i ,a yi f rm ti n pro i e by y u whi h we re i dn n n o a o v d d o c l e co tr bu i n by e u l sha e , we wi l co t i utni t o q a r s l n r b e up n i issui g th s po i y wi l no pre u i e y uo n n i lc l t j d c o r by l m t . Und r th s m t o ,e ch i sure 'si is e i eh d a n r ri ht unde th s in ura ce Ho e e ,thi pro i i ngsri s n .w v r s vs o sha e is ba e o the ra i o is a p i a l i irsd n t o f t p lc be l m t do s no a f ct o r ri h to co l ct a di i n let f e u g t l e d t o a o in ura ce to th to a a pl ca l li is of s n e t l p i be m t f pre i m o to e e ci e o r rig t o ca ce l t o omurxrsu h s f n l a i n r i sura ce o l nsure s.n n f a li r no re e a i cco d nce w t pp i a l n ura cen n w l na r a i ha lc be i s n d P i a y And No -Co trib t ry In u an e If.r m r n n u o s r c l ws o e ul t o s.a r r g a i n Req i ed B Wri te o tracurytnC n t 7.Se arat o f n u edpinOIsrs If y u spe i i a l a re i a wri t n co t a t oocfc ly g e n t e n r c r Ex e t wi h re pe t to the Li i s o In ura ce a dcpt s c m t f s n ,n a re m nt tha the i sura ce a fo d d to ag e e t n n f r e n a y ri h s o du i s a sig e i th sn g t r t e s n d n i i sure un e hi Co e a e Pa t m st p l nn d d r t s v r g r u a p y o Co e a e Pa t to the fi st Na e Insure ,th svrgr r m d d i a pri a y ba i , o a pri a y a d no -m r ss r m r n n i sura ce a pl e :n n p i s co tr bu o y ba is, th s i sura ce is pri a y toni t r s i n n m r a.As i e ch Na e In ure we e the o lfamdsdrnyohrinuracetht i a a l bl otesn a s v i a e t Na e n ure ; ndmdI s d awhih o e s such n ure a an m d i sure ,c c v r i s d s a e n d b.Se a ae y to e ch in ure a an t who cl iprt l a s d g i s m a mad we wil no sha e wi h th t oh r in ura cenl t r t a t e s n , i m d o "sui "i b o g tsa e r t s r u h .pro i e ha :v d d t t 8.Tra sfe O i h s O e o ery Ag i s t ersnrfRgt f R c v a n t O h(1)The "bo iyi j ry o "pro e ty da a e fodlnu"r p r m g "r To Uswhihcoe a e i so gh o cur ; ndc v r g s u t c s a If the i sure ha ri h s to re o e a l o pa t o a yn d s g t c v r l r r f n(2)The "pe so a a d a v rt sin i j ry fornln d e i g nu "r pa m n we ha e m d unde thi Co e a e Pa tyet v a e r s v r g r ,whi h co e a e is so gh i ca se by ac v r g u t s u d n th seri ht a e tra sfe re t us. he i sure usto g s r n r d o T n d mofesetaicomte;f n h t s m it d dono h ng a te l ss to i p i th m At o r re u st,t i f r o m a r e .u q esubseunt to the si n ng o tha co tr ct oq e g i f t n a r th i sure wi l bri g "sui "o tra sfe tho e ri h se n d l n t r n r s g tarem nt by y ug e e o .to us a dh l s e f rce t e .n epu n o h m 5.P e i m Au irmu d t 9.Wh n We D N t en weo o R e a.We wi l co p t a l p e i m f r h s Co e a elmuelrmusot i v r g If we d ci en t o r n w h s Co e a e P rt e wi le d o t e e t i v r g a ,w lPaticcodncewtur ue a d ae .r na r a i ho r l s n r t s m i o de i e to th fi st Na e In ure sho n inalrlvrermdsdw b.Pre i m sho n in th s Co e a e Pa t amuwi v r g r s th De l ra i n wri te no i e o the no r n waecatos t n tc f n e e l a v nce pre i m i a de o i pr m um o l .Ad a m u s p st e i n y t no l ss th n 0 da s be o e t ee pi a i n da ete a 3 y f r h x r t o t . th clo e o e ch a d t pe i d we wi l co p tes f a u i r o l m ue If no i e is m i e ,pro f o m ii g wi l be suffi i ntcald o f a l n l c e tthernd pre i m fo th t pe i d a d se de a e m u r a r o n n pro f f o i eo o n tc .no i e t th fi st Na e I sure .The du da etco e r m d n d e t SE TI N V –D F NT O SCOEI I I Nfoadia d re ro pe ti ep e i m i t ed trutnt s c v r m u s s h ae 1."shown as the due date on the bill. If the sum of Ad e tse e t" m a s a no i e th t s br a ca t ovrimn e n tc a i o d s r pu lshe to the ge e a pub i o spe i i m rbid n r l lc r cfc athe advance and audit premiums paid for the k te po i y pe i d is gre te tha the e rn dlcro a r n a e se m nt a o t y ur go ds, pro u ts o ser i eg e s b u o o d c r vc s fo th purp se o a t a g custo e s ore o f t r m r rpremium,we will return the excess to the first Na e nsure . supp rt r . o h p r o e o hi de i ii nmdIdo e s F r t e u p s s f t s f n t o : c.The fi st Na e In ure m st k e re o d ormdsd u e p c r s f a.No i e th t a e publ she i cl de m t r atc s a r i d n u ae i l th in o m t o we ne d fo pre i m pl ce o the Int rn t o oefrain e r m u a d n e e r n sim l r i a co p t ti n a d se d us co i s a such t m smua o ,n n pe t i e m a s o co m ni a i n;a de n f m u c t o n a we m y re u st.s a q e b.Re a di g we sit s, o l tha pa t o a we si egrn b e n y t r f b t 6.Rep es n ati nretos th t is a o t y u go d , pro u ts o se v cea b u o r o s d c r r i s fo th pur o e o a t a custo e s ore p s s f t r m r rBytigt i p l cy o gre :p n h s o i ,y ua e supp rt r i co si e e a a v rt se e to e s s n d r d n d e i m n . Pa e 16 o 21gf CG 1 0 02 1T0 9© 2017 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. approach specifically ctin cting electronic acce whichever comes first. Declarations such insured COMM RCI L G NERAL IAB LI YE A E L I T 2."Ad e tsi g i j ry :v r i n nu "b.In by o wit a y o he ee o i m a s o,r h n t r l n c e n f co m n ca i n such a th In e n t, if thamui t o , s e t r e ta.M a s in ur ca se by o e o m re o thee n j y u d n r o f m te i li p r f:a r a s a t ofolwigofese:l o n f n s (1)Ra i o te e i i n pro r m i g bengdorl vs o g a m n i(1)Ora o writ e a i n incl di glrtnto,u n tr n m t e ;a s it dpulcain by ee o i m a s, o m t ri lbi t o l n c e n f ae a i y ur "a v rt se e t th t sla d rs on o d e i m n "a n e r (2)Ot e en e ta n e t e uca i n lhrtrimn,d t o a ,l b l a pe son or or a i a i n oriesrg n z t o i structi n l m si o ne s pro r m i gn o a ,u c r w g a m ndipaa e a pe so 'o o ga i a i n ssrgsrnsr r n z t o 'be n ra sm t e ;oigtnitdrgods, pro u ts o se v ce , pro i e thao d c r r i s v d d t th cla m i m d o he "sui "i b o g t byei s a e r t t s r u h (3)Ad e tsi g tra sm t e wi h a y o suchvrin n it d t n f a pe so o o g ni a i n h t cl i s to ha ernr r a z t o t a a m v pro ra m n .g m i g be n sla d re o li ee ,o tha cla m toe n e d r b l d r t i s 6."Co e a e t rri o y m a s:v r g e t r "e nhaehaitgods, pro uct o se v cevdso d s r r i s di pa a e ;s r g d a.The Uni e Sta e o Am ri a (i cl di g istdt s f e c n u n t te r t r e a d po se si ns), Pue t Ri o a drioi s n s s o r o c n(2)Ora o writ e pub i i n incl di glrtnlo,u n Ca a an d ;pu l ca i n by ee i m a s, o m t r abi t o l n c e n f ae i l i o r "a v rt se e t th t:n y u d e i m n "a b.In e na i na wa e s o a rspa e but o l if thetrtol t r r i c ,n y (a)Ap ro ri t s a pe so 'na e v i ep p ae r n s m ,o c ,i j ry o da a e o curs in th co rse o tra enurmgce u f v l ph t gr p r i e e s; ooo a ho lk n s r o tra spo t t o be w e a y pl ce in l d drnrainte n n a s c u e i Pa a r pnrg a h a.a o e rbv ;o(b)Unre so a l pl ce a pe so in aa n b y a s r n fa se l gh ; rl i t o c.Al oh r pa t o th wo l if th i j ry ol t e r s f e r d e nu r da a ea i e o t o :m g r s s u f(3)In r ng m nt o co yi ht "ti l "o "sl g n"f i e e f p r g , t e r o a i y u "a v rt se e t , pro i e tha thn o r d e i m n " v d d t e (1)Go ds o pro uct m d o sod by y u inordsa e r l o cl i i m d o th "sui " i bro gh by aamsa e r e t s u t th te rio y de cri e i Pa a r pertrsb d n r g a h a. pe so o o ga i a i n tha cla mrnr r n z t o t i s a o ebv ; o ne shi o such co yi ht "ti l "owrpfprg, t e r (2)The a ti ii s o a pe so who e ho e i ic vt e f r n s m s n"sl g n .o a "th te rio y de cri e i Pa a r pertrsb d n r g a h a. b.In l d s "bo iy in ur "ca se by o e o m rcu e d l j y u d n r o e a o e but i a a fo a sho t ti eo y urbv , s w y r r m n o o the o f n e de crib d in Pa a ra hf f e s s s e r g p a.bu i e s; rsnso a o ebv . (3)"Pe so a a d a v rt sin i j ry o fe sernln d e i g nu " f n s3."Au o m a s:t "e n th t ta e pl ce th o g th In e ne oakaru h e t r t r a.A l nd m t r v h cl ,tra l r o se i r i ea oo e i e i e r m t a l r si i a l ct o i m a s o o m n ca i nmlreernce n f c m u i t o ; de i n d fo tra e o pub i ro ds, i cl di gsg e r v l n lc a n u n pro i e the insure 're po sib l ty to pavd d d s s n ii yayatcheahieyoqupmn; rnta d m c n r r e i e t o da a e is de e m n d in a "sui "o th m r t imgs t r i e t n e e is n b.An o he la d v h cl th t is sub e t to ay t r n e i e a j c th te rio y de cri e i Pa a r pertrsb d n r g a h a.a o e o ibv ,r na co p l o y o fi a ci l re po si iiy la ,omusr r n n a s n b lt w r se t e e t we a re otlmn g e t . oh r m to v hi l i sura ce l w,whe e i ite o r e c e n n a r t s 7."El ct o i da a m a s in o m t o , fa t oernc t "e n f r a i n cs rlce se r ri ci a l a a e .i n do p n p ly g r g d pro ra s sto e a o o ,cre te o use o , ogmrdsrn a d r d n rHoe e ,"a t "do s no in l d "m bi ewvruo e t c u e o l tr n m t e to o fro co pu e so tw r (i cl d ngas it d r m m t r f a e n u ieuimn".q p e t sy te s a d a p i a i ns so tw r )ha d o fl p ysmn p lc t o f a e ,r r o p 4."Bo iyi j r "m a s:d l nu y e n di ks, CD-ROM , ta e , dri e , cel s, da as s p s v s l t pro e sin de i e o a y oh r m di a ec s g vc s r n t e e a ra.Ph si a ha m i cl di g si kn ss o di e sey c l r ,n u n c e r s a , use i hee o i a l co t o l de ui m n .d w t l n c ly n r l e q p e tsustand y a pe so ;oie b r n r b.M nt l a g i h, i j ry o il e s, o e o i n le a n u s nu r l n s r m t o a 8."Em l y e i cl de a "l a e wo k r"."Em l y epo e "n u s e s d r e po e " di tre s, re ul i g a a y ti e fro suchs s s t n t n m m do s n ti cl d "te po a y wo k r .e o n u ea m r r r e " ph si a h rm i e s o di e sey c l a ,s s r s a .9."Ex cut v o f ce "m a s a pe so ho di g a y oeief i r e n r n l n n f 5."Bro dca ti g m a s tra sm tt n a y a do oasn"e n n i i g n u i r th o fi e po it o s cre te by y u cha t r,e f c r s i n a d o r r e v sua ae i l fo ny p r o ei l m t r a r a u p s :co sti u i n by a s o a y oh r sim l r go e n ngnt t o , l w r n t e i a v r i do um n .c e ta.By ra i o ee i io ;odort l vs n r CG 1 0 02 1T0 9 Pa e 17 o 21gf© 2017 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. public ctr ctr cat ctro ckn which ctr COMM RCIAL E ERAL IAB LITYEGNLI 10."Go d Sa a i a se v ce "m a s a y e e g n y tr ck , ro db domrtnri s e n n m r e c a s a e s, tu n l und r a sn e ,e p s or m di a se v ce fo whi h no co p n a i n is cro sin ;e c l r i s r c m e s t o s g de a d d r e e v dmn e o r c i e .(2)Tha i d m i i s a a chi e g ne r otn e n f e n r t n i e r 11."Ho ti e fi e m a s a fi e whi h e surv y r o i j ry o a as l r "e n r c m s e o f r nu r d m g ri in ut o :ea s go f tr l a l o bre k o t fro whe e i wan o l be r a s u m r t s (a)Pre a i g a pr v ng o fa l n toprn,p o i ,r ii g i t nd d ob .ne e t e pr pa e or ap r v ,m p , shoerp o e a s p 12."Im a re pro e t "m a s ta g bl pro e t ,o he dra i g , o ipid p r y e n n i e p r y t r w n s pno s, re o ts, survin p r e s,y th n "y ur pro uct o "y ur wo k , tha ca n t be fi l o d rs, cha ga o d "r o r " t n o ed r e n eo d rs o ra i gsrerdwn use r sl ss use u e a se a d pe i i a i ns; rdoief l b c u :n s cfc t o o a.It i co po ae "y ur pro uct o "y ur wo knr r t s o d "r o r "(b)Gi i g di e t o s o i stru ti n , ovnrcinrncosr th t is kn wn o th ug t to be de e v ,fa l ng to gi e th m ifa o r o h f e ii v e ,th t is thea de i n , n de u te o a g ro s; o pri a y ca se o the in u y of t i a q a r d n e u r m r u f j r r da a emg; orb.Y u ha e fa l d to ful il the te m o a co tr ctov i e fl r s f n a (3)Und r whi h the i sure , if a a chi e t,e c n d n r t coragreement; e gi e r o surv y r, a sum s l a iiy fon n e r e o s e i b lt ri such pro e t ca be re to e to use by t efprynsrd h a in u y o da a e a i in o t o thenjr r m g r s g u frear,re l ce e t,a j stm nt o re o a o "y urpipamn du e r m v l f o i sure 's re de i g o fa l r to re den d n r n r i u e n rproucto"y ur wo k o y u fu fil n t e te m od"r o r "r o r l li g h r s f pro e si n l se v ce , in l dn ho e lstef s o a r i s c u i g t s i dthcotatogre e t.e n r c r a e m n i Pa a r pnrg a h (2)a o e a d sup r i o ybvn e vs r , 13."In ure co t a t m a s:s d n r c"e n i spe t o ,a chi e a o e g ne ri gncinrtrlrnie n a tvti s.ci i ea.A co t a t fo a l a e o pre i e . Ho e e ,n r c r e s f m s s w v r th t po t o o t e co t a t fo a l a e oarinfh n r c r e s f 14."Le se wo k r"m a s a pe so l a e o y uba d r e e n r n e s d t o y a pre i e tha in e n f e a y pe so oms s t d m i i s n r n r l bo l a in fi m unde a a r e e t be we n y uaresgr r n g e m n t e o o ga i a i n fo "pre i e da a e i no arnz t o r m s s m g " s t n a d the la o le si g fi m to pe f rm dut e re aen b r a n r ,r o i s l t d "i sure o tr ct ;n d c n a "to the co d ct o y ur bu i e s."Le se wo k r"n u f o s n s a d r e do s n ti cl d "te p ra y wo k r .e o n u ea m o r r e "b.A i e ra k a re m n ;s d t c g e e t 15."Lo di g o unl a i g" m a s th ha d i g oa n r o dn e n e n l n fc.An e se e t o li e se a re m nt e ce t inyamnrcn g e e , x p pro e typr:co ne ti n wi h co stru ti n o de o ii nncotncormlto o e a Af e i is m v d fro th pl ce whe e i isprtrto e m e a r ttin o o i hn5 e t o a ro dosnrwt i 0 f e f a r i a ;a.l t d fo m v m n i t o o t a a rcra tpero e e t no r no n i f ,d.An o l ga i n,a re u re by o d na ce tobi t o s q i d r i n , wa e cra t r "a t ";t r f o uoidmi y a m n ci a iy e ce t i co ne ti nn e n f u i p lt , x p n n c o wi h o kf r a m ni a iytwro u lt ;b.Whi e i is i o o a a rcra t wa e cra t ol t n r n n i f , t r f r "a t "; ruo oe.An ee ao a nt na ce a re m ntl v t r m i e n g e e ; c.Whi e i is be n m v d fro a a rcra tl t i g o e m n i f ,f.Tha pa t o a y o he co t a t o a re m nttrfntrnrcrg e e wa e cra t o "a t "to th pl ce whe e i istrfruo e a r tpranntoyur busi e s (i cl di g aet i i g o n s n u n n fi a l e i e e ;n ly d lv r didenfiain o a m ni i a iy i co nenmi c t o f u c p lt n n n wi h wo k pe f r e fo a m n ci a iy und rtr r o m d r u i p lt )e bu "l a i g o unl a i g do s no i cl de theto dn r o dn "e t n u whi h y u a sum th to t li b lt o a oh r m v m nt ocose e r a iiy f n t e o e e f pro e ty by m a s opre n f a m ch n cae a i l pa t to pa fo "bo iy in ur ","pro e ty de i e oh r tha a hary y r d l j y p r vc , t e n n tr ck tha i no a ta hed u , t s t t c d da a e o "pe so a i j ry t a thi d pe somg"r r n l nu "o r r n to t ea rcra t w t rcra t o "a t ".h i f ,ae f r uo o o ga i a i n To t l a iiy m a s a li b l tyr r n z t o .r i b lt e n a ii 16."M bi e e u pm n "m a s a y o the fo l wi golqiete n n f l o n th t wo l be i po e by l w i t ea se ce oa ud m s d a n h b n f ty e o la d v hi l s, i cl di g a y a ta heps f n e c e n u n n t c d a y co t r g e m ntn n r o a r e e .m chi e y o e ui m nta n r r q p e : Pa a r prg a h f.do s no i cl de th t pa t o a yetn u a r f n a.Bu l o e s, fa m m chi e y fo ki ts a d oh rldzr r a n r ,r lf n t e co tr ct o a re m n :n a r g e e t v hi s de i n d fo use pri ci a l o f pub iesg e r n p ly f lc (1)Tha i d m i i s a ra l o d fo "bo iy ro d ;t n e n f e i r a r d l a s i j ry o "pro e ty da a e a i i g o t onu"r p r m g "r s n u f b.Ve i l s m i t i e fo use soe y o o ne t tohce anan d r l l n r x co stru n o de o ii n o e a i ns,n r m lt o p r t o pre i e y u wn r e tms s o o o r n ; wi hi 50 fe t o a y ra l o d pro e t a dtn e f n i r a p r y n c.Ve i l s t a t a e n l r t e ds;h c e h t r v l o w e r aafetngayralod bri g o tre tl ,f ci n i r a d e r s e Pa e 18 o 21gf CG 1 0 02 1T0 9© 2017 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. ect, beco unco cti cie ctu acce cip ctio act ctio cra cle COMM RCI L G NERAL IAB LI YE A E L I T d.Ve i s, whe he sel -pro e l d o no ,h t r f p l e r t b.An a t o o i si n co m t e in pro i i g ocrmsomitdvdnr m i ta n d pri a iy to pro i e m b l ty to fa l ng to pro i e fi st an i e m r l v d o ii ii v d r ad o "Go d Sairom riaatn pe m ne ty m u t d:r a n l o ne se v ce "to a pe so ,un e s y u a e i theri s r n l s o r n bu i e s o occup ti n of pro i i gsnsra o v dn(1)Po e cra e , sho e s, l a e s, di g rs owrns v l o d r g e r pro e sio a e l h ca e se v ce .f s n l h a t r r i sdril; olsr 18."Pe so a a d a v r i i g i j ry m a s "pe so arnln d e ts n nu "e n r n l(2)Road construction or resurfacing e ui m n such a gra e s, scra e s o i j ry o "a v rt sin nq p e t s d r p r r nu "r d e i g i j r ".u y ro l rs;l e 19."Pe so a n ur ":r n li j y e.Ve i l s no de crib d i Pa a r phcet s e n r g a h a.,b.,c. a.M a s i j ry o he tha "a v rt sin in u y,e n nu , t r n d e i g j r "or d.a o e th t a e no se f pro e l d a d a ebvart l -p l e n r ca se by o e o m r o th fo l w ngu d n r o e f e l o imi t i e pri a iy to pro i e m b lt toanan d m r l v d o iiy o fe se :f n spe m n n l a ta he e up e t of thera e ty t c d q i m n fo l wi g t p s:l o n y e (1)F l ea re t,de e t o r m ri o m n ;a s r s t n i no i p s n e t (1)Ai co pr sso s, pum s a d ge e ao s,r m e r p n n r t r (2)M l ci us pr se o ;a i o o i nicldngspraig,we d ng bui d ngn u i y n l i , l i cl a i g ge ph si a e pl ra i n,l gh i ge nn ,o y c l x o t o i t n (3)The wro gf l e i fro , wro gf l e trn u v n m n u n y a d e l se v ci ge ui m nt rnwlrin q p e ;o i t ,o in a i n o the ri h o pri aenorv s o f g t f v t o cup ncy o a ro m dwe l n o pre i ecafo, li g r m s s(2)Che ry pi k rs a d si i a de i e use torce n m l r vc s d th t a pe so o cup e , pro i e tha thearnc i s v d d traseo o e o k rs;i r l w r w r e wro g u v ct o ,wro g u nt y o n a i nnf l e i i n n f l e r r i v s of.Ve i l s no de crib d i Pa a r phcet s e n r g a h a.,b.,c.o the ri h o pri ae o cupa cy isfgt f v t c nord.a o e m i ta n d pri a iy fo pu po ebvaniemrlr r s s co m t e by o o be a f o the o ne ,m it d r n h l f w rohrthathtraspot t o o pe so s ote n e n r a i n f r n r l nd o d o le so o tha ro m dwe l ng oalr r s r f t o , li rcag.r o pre i e ;m s s Ho e e , se f pro e l d v h cl s wi h thwvrl-p l e e i e t e (4)Ora o writ e pub i a i n incl di glrtnlc t o ,u nfolwig ty e o pe m n nt y at a helo n p s f r a e l t c d pu l ca i n by ee t o i m a s, o m t r abi t o l c r n c e n f ae i leuim nt a e no "m bi e e u pm n "bu wilq p e r t o l q i e t t l th t sl nd r o l b l a pe so oa a e s r i e s r n rbecosie e "a t s":n d r d uo o di pa a e a pe so 's orsrgsrnr(1)Eq i m nt de ig e ri a iyf r:up e s n dp m r l o (a)Sn w r m v lo e o a ;pro i e t a the cl i i m d r he "sui "v d d h t a m s a eo t t i bro g t by a pe so o o g n z ti n thasu h r n r r a i a o t(b)Ro d m i t na ce but noa ane n , t co stru no r surfa i g;o cl i s to ha e be n sl nd r do i enrecnramve a e e r l b l d,oer th t cl i s to ha e ha i s go ds, pro u tsa a m v d t o d c(c)St e t i g;r e nn o se v ce di pa a e ;or r i s s r g d r(2)Che ry pi ke s an sim l r de i ercrdiavc s (5)Ora o wri te publ ca i n,in l dnlrtni t o c u i gm un e o a t m bi e o truck cha sisotd n uo o l r s pu l ca i n by ee tr n c m a s, o m t ri lbi t o l c o i e n f ae aad se t a seo o e o k rs; a dn u d o r i r l w r w r e n th t:a(3)Ai co pr sso s, pum s a d ge e ao s,r m e r p n n r t r i cl di g spra i g we di g bui di gn u n y n , l n , l n (a)Ap ro ri t s a pe so 'na e v i ep p ae r n s m ,o c , cl a i g ge ph si a e pl ra i n,l gh i ge nn ,o y c l x o t o i t n ph t gr p r i e e s; ooo a ho lk n s r a d e l se v ci ge ui m ntnwlrin q p e . (b)Unre so a l pl ce a pe so in aa n b y a s r nHoe e ,"m bi e e up e t do s no i cl de a ywvrolqimn"e t n u n fa se l gh .l i tlndvhcltht is sub e t to a co pu so y oa e i e a j c m l r r b.In l d s "bo iy in ur "ca se by o e o m rcu e d l j y u d n r o efinancialresponsibilitylaw,or other motor vehicle i sura ce l w,whe e i is l ce se o pri ci a l o the o f n en n a r t i n d r n p ly f f e s s de crib d in Pa a ra hserg p a. ga a e . Such la d v h cl s a e co sid rerg d n e i e r n e d a o ebv . "a t s".uo 20."Po l t n s"m a a y so i , l qu d ga e u oluate n n l d i i , s o s r 17."Occurr n e m a s:e c "e n th rm l irr t n o co t m n nt i cl di g sm k ,e a i a t r na i a ,n u n o e v po , so t,fu e , s, a k l s, che i a s a daromsdlaimc l na.A a ci e t, i cl di g co ti uo s o re e t dncd n n u n n n u r p ae wa te Wa te in l d s m te i l to be re y l d,s . s c u e a r a s c c eepouretosubstatalthsa e ge e ax s n i ly e m n r l re o di i n do r cl i e .c n t o e r e a m dha m ul co di i n ; rrfntoso CG 1 0 02 1T0 9 Pa e 19 o 21gf© 2017 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. cle cut ctio clea ctio aci organization organization's goods, products or services, COMM RCIAL E ERAL IAB LITYEGNLI 21."Pre i e da a e m a s:co tr ct ca l fo wo k a m re th nms s m g "e n n a ls r r t o a o e j b i en o st .a.Wit re to th fi st pa a ra h o thehser r g p f e ce ti n in Ex l sioxp o s c u n j.of I –(c)Whe tha pa t o the wo k do e a antrfrnt Co e a evrg A –Bo iy In ur And Pro e tdl j y p r y j b si e ha be n put to it i t nd dot s e s ne e Da a e Li b l ty "pro e ty da a e to a ymg a ii ,p r m g "n use b ny p r o o rg n z t o th rya e s n r o a i a i no e pre i e whi e re t d to y u fo a pe i d oms s l ne o r r o f th n an th r co tr ct r ora o e n a o se e o fe e co se ut v da s, in l d ng thevnrwrnc i e y c u i subco t a t r wo k n o th sa enrcorig n e m co te ts o uch re i e ; rn n f s p m s s o pro e tj c. b.Wit re pe t to th e ce t o to Ex l si nshs c e x p i n c u o c.Wo k tha m y ne d se v ce m i t na certa e r i ,ane n , th o gru h n.i he l st a a ra ho a a r pnta p r g p f P r g a h 2.co r ct o ,re a r o re l ce e t,bu w i hrein p i r pa m n t h c o Se ti nf c o I –Co e a evrg A –Bo iy Inj ry Anddlu i oh rwi e co pl t ,wi l be tre t d as t e s m ee l ae s Pro e ty Da a eLa iiy "pro e ty d m ge toprmgiblt ,p r a a "co pee .m l t d a y pre i e whi e re t d t y u fo a pe i d onms s l ne o o r r o f b.Do s no in l d "bo iy in u y o "pro e tyet c u e d l j r "r p rmreth n se e co se ut v da s, o whi eo a v n n c i e y r l da a e a i i go t o :m g "r s n u ftepraiyocupebyyuwih pe m ssio omorl c i d o t r i n f th o n r,ca se yewe u db :(1)The tr n po t ti n o pro e t ,unl ss theasra o f p r y e i j ry o da a ea i e o t o co d t o nnurmgrs s u f a n ii n i(1)F rei ; o on a v h cl no o n d o o e ae byreietwerprtd(2)Ex l si n;po o y u,a d tha co di i n wa cre t d by theo n t n t o s ae "o h t e i l b nyftavhceya(3)Lightning;l a i g o unl a i g"o dn r o dn i sure ;n d(4)Sm k re ul i g fro fi e e pl sio oo e s t n m r , x o n r l g t i g rihnn;o (2)The e i te ce o to l , uni sta l dxsnfosnle e ui m nt o ab nd n d o unuseq p e r a o e r d(5) m te i l ; raraso Bu "pre i e da a e un e thi Pa a r ptms s m g "d r s r g a h (3)Pro uct o o e a i n fo whi h thdsrprtosrceb.do s no in l d "pro e ty da a e to a yet c u e p r m g "n cl ssi i a i n,li te i th De ra i ns oafc t o s d n e t o rpreiecase b :m s s u d y i a po i y Sche ue sta e th t pro uct -n lc d l , t s a d s(1)Rup u e bu sti g o o e a i n o pre suretr,r n ,r p r t o f s co pee o e a i n a e subj ct to theml t d p r t o s r e re i f e i e ;l e d vc s Ge e a g re ae Li i.n r l A g g t m t (2)Rup u e o bu sti g due to e p nsio otr r r n x a n r 23."Pro e ty d m ge m a s:p r a a "e n swe l n o th co t n s o a y bui dn oligfe ne t f n l i g r a.Ph si a in u y to ta gi l pro e t ,in d ng a ly c l j r n be p r y i lstrutuecase b r e ul i g r m w t r;c r u d y o r s t n f o ae re ul i g l ss o use o th t pro e t .Al suchs t n o f f a p r y lor l ss o use wi l bede m d to tt e t m fof l e e a h i eo (3)Ex l si n o ste m bo l r , ste m pi e ,po o f a i e s a p s th p y i a nu yt a ca se t re h sc li j r h t u d i;o ste m e gi e o te m t r i e .a n n s r s a u bn s b.Lo s o use o ta gi l pro e ty tha i nos f f n be p r t s t ph si a l in ur d Al such l ss o use wi l bey c ly j e . l o f l22."Products-completedoperations hazard": de m d to o cur a the ti e o th cee e c t m f e n "a.In l d s a l "bo iy in ur "a d "pro e tycu e l d l j y n p r th t a se tacu d i.da a e o cur i g a a fro pre i e y umg" c r n w y m m s s o F r the purp se o th s in ura ce "e e i da ao o s f i s n , l n c t "o n o re t a d a i in o t o "y ur pro uct owrn n r s g u f o d "r i n t a g bl ro e t .s o t n i ep p r y"y ur o k e ce t:o w r " x p 24."Sl g n :o a "(1)Pro uct th t a e stil in y ur phy icadsarlos l a.M a s a phr se th t oh r u e fo hepu p see n a a t e s s r t r opossession;or o t ra ti ga t n i n n t er d e t sin .f a t c n t e t o i h i a v r i g(2)Wo k tha ha no y t be n co pee ort s t e e m l t d r b.Do s no in l d a phra e use a , o in theet c u e s d s r ,a a d n d.Ho e e ,"y ur wo k wi l beb n o e w v r o r " l na eo :m fde m d co pl t d a th e rle t o thee e m ee t e a i s f fo l wi g i e :l o n t m s (1)An pe so o o g n z t o ,o he th n y u;y r n r r a i a i n t r a o or(a)Whe a l o th wo k ca l d fo i y unl f e r l e r n o r co tr ct ha b e o pee .n a s e n c m l t d (2)An busin ss, o a y o th pre i e ,y e r n f e m s s go ds, pro uct , se v ce o wo k o a yo d s r i s r r , f n(b)Whe a l o th wo k to be do ea thenl f e r n t pe so r r a i a i n t e ha o .r no o g n z t o ,oh r t n y ujb sit ha be n co pl t d i y uo e s e m ee f o r Pa e 20 o 21gf CG 1 0 02 1T0 9© 2017 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. pect Section cla clu occur "occurre ctro Water. COMM RCI L G NERAL IAB LI YE A E L I T 25."Su t m a s a civ l pro e dn i whi h da a ei"e n i c e i g n c m g s (a)Y uo; be a se o "bo iy in u y,"pro e ty da a e ocufdl j r "p r m g "r (b)Ot e s t a i g nd r y u a e rhr r dn u e o r n m ;o "pe so a a d a v rt si g i j ry to whi h thirnln d e i n nu " c s (c)A pe so o or a i a i n who ernrg n z t o si sura ce a pl e a ea l ge ."Su t i cl de :n n p i s r l e d i"n u s bu i e s o a se s y u ha ea qu re ;s n s r s t o v c i d a.An a b t a i n pro e di g i whi h suchrirtoce n n c a dn da a e a e cla m d a d to whi h th in uremgsrie n c e s d (2)Co t i e s (o he tha v hi l s), m t ri l ,nan r t r n e c e ae a smst subm t o do s sub i wi h o r co se tuiremt t u n n ;pa t o e u pm n furn she i co ne ti nrsrqiet i d n n c oorwih uch g o s o ro uct .t s o d r p d s b.An o he al e n ti e di put re o ut oy t r t r a v s e s l i n b.In l d s:c u e pr ce di g in whi h such d m ge a e cl i eo e n c a a s r a m d (1)Wa ra ti s o re re e ta i ns m de a a yrn e r p s n t o a t nad to whi h th in ure subm ts wit o rncesdih u ti e wi h re pe t to the fi n ss, qua iymt s c t e lt ,co se t.n n du a iiy pe fo m n e o use o "y urrblt ,r r a c r f o 26."Te p ra y wo k r m a s a pe so who imor r e "e n r n s pro uct ; ndd"a fu ni he to y u to substi ut fo a pe m ne trsd o t e r r a n (2)The pro i i g o o fa l re to pro i evdnfriuvd"e pl y e o l a e o to m e se so a o sho tmo e "n e v r e t a n l r r - wa ni g o n tr ct o s.r n s r i s u i nte m w r l a o di i n .r o k o d c n t o s c.Do s no i cl de v ndng m ch ne o oh retn u e i a i s r t e27."Ti l "m a s a na eo lt r r r a t sti o kte e n m f a i e a y o r i c w r . pro e ty re t d to o l ca e fo the use oprnerotdrf 28."Unso i co m n ca i n m a s a yldmui t o "e n n oh r b t no so dtesut l . co m n ca i n in a y fo m tha th re i nt omui t o ,n r , t e e f 31."Y u o k :o r w r "such co m n ca i n di no spe i a l re ue t tomui t o d t fc ly q s a.M a s:e nreev .c i e (1)Wo k o o e a i n pe f rm d by y uo or r p r t o s r o e o r n29."Vo u t e wo k r m a s a pe so who i no y ulner r e "e n r n s t o r y ur e a f;a do b h l n"e pl y e , a d who do ae hi o he wo k a dmo e "n n t s s r r r n a t a th di e ti n o a d wi hi the sco e ocs t e r c o f n t n p f (2)M te i l , pa t o e u pm n furnshe inarasrsrqiet i d du i s de e m n d by y u a d is no pad a fe ,t e t r i e o ,n t i e co ne ti n wi h uch w r o pe a i n .n c o t s o k r o r t o s saa y o o he co pe sa i n by y u o a y n e selr r t r m n t o o r n o e l b.In l d s:c u efo he r o k p r o m d f r o .r t i w r e f r e o y u (1)Wa ra ti s o re re e ta i ns m de a a yrn e r p s n t o a t n30."Y u ro uct :o r p d "ti e wi h re pe t to the fi n ss, qua iymt s c t e lt , a.M a s:e n du a iiy pe fo m n e o use o "y urrblt ,r r a c r f o (1)An go d o pro uct , oh r th n re l wo k ;a dyosrds t e a a r "n pro e ty m n f ct r d sod ha de ,p r ,a u a u e , l ,n l d (2)The pro i i g o o fa l re to pro i evdnfriuvd di tr bu e r d spo e f ys i t do i s do b :o n tr ct o s.r i s u i n CG 1 0 02 1T0 9 Pa e 21 o 21gf© 2017 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. cite cip ci warnings P526002NIN12 CERTIFICATE OF LIABILITY INSURANCE IDATE 04/2 /202YYt7 4/292022 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER 1-847-385-6800 CONTAw'T NAME: Nadine Daniels Edgewood Partners Insurance Center PHONE FAX Leanne, a division of EPIC JALQ, Np E .847-385-6800 C Mali E-MAIL 111 Nest Campbell _ADDRESS: PSGCertsRlenane.com 4th Floor _ INSURERS AFFORDING COVERAGE NAIC N OT Arlington Heights, IL 60005 INSURERA: SCTSDALE INS CO and various insurers INSURED INSURER B : Eide Bailly LLP - INSURER C: 4310 17th Avenue S. INSURERD: INSURER E : Fargo, ND 58103 !INSURER F: _ COVFRAGFS I:F9TIV1r.ATF NtIMRFl7. 65331148 Br:LIIcrnH 1,I11upr-P. THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR TYPE OF INSURANCE ADDL SUER - POLICY EFF POLICY EXP POLICYNUMBER _fNIMMUnlym tMM113 ffYyY1 LIMITS COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE S CLAIMS -MADE OCCUR _ S AMA E TO RENTED PREMISS a accwjvo MED EXP (AnX one person) $ PERSONAL 8 ADV INJURY S GEN'L AGGREGATE LIMIT APPLIES PER: POLICY ❑ JPEC'T 7 LOC GENERALAGGREGATE $ PRODUCTS - COMP/OP AGG $ $ OTHER: AUTOMOBILE LIABILITY CO EI —EEm51NGLELIMITffA $ BODILY INJURY (Per person) $ ANY AUTO OWNED SCHEDULED AUTOS ONLY AUTOS Per eaklen BODILY INJURY ( t ) $ HIRED NON -OWNED AUTOS ONLY AUTOS ONLY PROPERTY DAMAGE S S UMBRELLALIAB OCCUR EACH OCCURRENCE $ AGGREGATE $ EXCESS LIAB CLAIMS -MADE DED RETENTIONS $ 'WORKERS COMPENSATION PER OTH- .AND EMPLOYERS' LIABILITY YIN STATll E ER E.L. EACH ACCIDENT ANYPROPRIETORIPARTNERIEXECUTIVE OFFICERIMEMBEREXCLUDED? NIA $ E.L. DISEASE - EA EMPLOYE $ (Mandatory In NH) If Yes, daecdbe under DESCRIPTION OF OPERATIONS below E.L DISEASE -POLICY LIMIT $ A Professional Liability IHW3DDD0149 05/01/22 05/01/23 Each Claim 5,000,000 I I Aggregate 5,000,000 DESCRIPTION OF OPERATIONS I LOCATIONS I VEHICLES (ACORD 101, Addltlonal Remarks Schedule, may be attached If more space Is regUIred) CERTIFICATE HOLDER CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE City of La Quints. THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. 78-495 Calls Tampico AUTHORIZED REPRESENTATIVE La Quint&, CA 92253 USA U` 01988-2015 ACORD CORPORATION. All rights reserved. ACORD 25 (2016103) The ACORD name and logo are registered marks of ACORD Sue. Phillips@lemme.com_LEM 65331148 0 o0o z W