Exhibit 1: Agreement — Alameda City Council, May 7, 2024

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CONSTRUCTION AGREEMENT
THIS CONSTRUCTION AGREEMENT (“Agreement”) is entered into this _____ day of 0D\ 2024, by and between the CITY OF ALAMEDA, a municipal corporati on (the "City"), and RADIUS EARTHWORK INC., a California corporation whose address is 197 E HAMILTON AVENUE, SUITE 204, CAMP BELL, CALIFORNIA 95008 , (“Contractor”), in reference to the following:

RECITALS:

A. The City is a municipal corpor ation duly organized and validly existing under the laws of the State of California with the power to carry on its business as it is now being conducted under the statutes of the State of California and the Charter of the City.

B. The City is in need of the following services: furnishing all labor, tools, equipment, materials, except as herein specified; and doing all work assoc iated with hot mix asphalt inlays, cold plane asphalt concrete overl ays, wedge cut, crack seal, sl urry seal, drainage improvements, and pavement striping. City staff issued plans and specification s on March 1, 2024. After a submittal period of twenty-one days, staff received five timely submitted bids, and the bids were opened on March 21, 2024. Staff revi ewed the bids and selected the lowest responsive and responsible bidder.

C. Contractor possesses the skill, experience, ability, backgrou nd, certification and knowledge to provide the services d escribed in this Agreement o n the terms and conditions described herein.

D. Whereas, the City Council authorized the City Manager to exec ute this agreement on May 7, 2024.

E. City and Contractor desire to e nter into an agreement for Pav ement Management Project Phase 42, upon the terms and conditions herein.

NOW, THEREFORE, in consideration of the forgoing, which are inc orporated herein by reference, and for other good and valuable consideration, the r eceipt and sufficiency of which is hereby acknowledged, the parties agree as follows:

1. TERM:

Contractor shall have one hundred and twenty (120) consecutive working days from the date the work is to commence pursu ant to the Notice to Proceed to diligently prosecute the work to completion.

2. SERVICES TO BE PERFORMED:

Contractor agrees, at its own cos t and expense, to furnish all labor, tools, equipment, materials, except as otherwise s pecified, and to do all work st rictly in accordance with the Specifications, Special Provisions and Plans, which Specificati ons, Special Provisions and Plans are hereby referred to and expres sly made a part hereof with th e same force and effect as if the same were fully incorporated he rein. Contractor acknowledges t hat the work plan included in

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Exhibit A is tentative and does not commit the City to request C ontractor to perform all tasks included therein.

3. COMPENSATION TO CONTRACTOR:

Contractor shall be compensated for services performed pursuant to this Agreement in the amount and manner set forth in Cont ractor's bid, which is attac hed hereto as Exhibit A and incorporated herein by this reference. Payment will be made in the same manner that claims of a like character are paid by the City, with checks drawn on the t reasury of the City from Fund C11000.

Payment will be made by the City in the following manner: On the first day of each month, Contractor shall submit a writte n estimate of the total amount of work done the previous month.

However, the City reserves the right to adjust budget within an d between tasks. Pricing and accounting of charges are to be according to the bid packet pri cing, unless mutually agreed to in writing.

Payment shall be made for 95% of the value of the work complete d as determined by the City. The City shall retain 5% of the value of the work as par tial security for the completion of the work by Contractor. Retai ned amounts shall be paid to Cont ractor within sixty days of acceptance by the City of the project. Payment shall not be co nstrued as acceptance of defective work. No interest will be paid to Contractor on retained funds.

Total compensation for work is $3,539,700, with a twenty percent contingency in the amount of $707,940 for a total not to exceed of $4,247,640. Use of contingency shall be for items of work outside the original scope and requires prior written authorization by the City.

Prompt Payment Of Withheld Funds To Subcontractors: The City shall hold retainage from the prime contractor and shall, as determined by the City, make prompt and regular incremental acceptances of portions of the contract work and pay retainage to the prime contractor based on these acceptances. The prime c ontractor or subcontractor shall return all monies withheld in retention from all subcontractor s within 30 days after receiving payment for work satisfactorily completed and accepted by the City, including incremental acceptances of portions of the contract work. Any delay or postponement of payment may take place only for good cause and with the City’s prior written approval. Any violation of these provisio ns shall subject the violating prime contractor to the penalties, sanctions, and other remedies spec ified in Section 7108.5 of the California Business Professions Code. This requirement shall not be construed to limit or impair any contractual, administrative or judicial remedies otherwise available to the prime contractor or subcontractor in the event of a dispute involving (a) late paym ent or nonpayment by the prime contractor, (b) deficient subcontractor performance, or (c) noncompliance by a subcontractor with the contract, including but not limited to remedies under California Public Contract Code Section 9204. This clause applies to both DBE and non-DBE subcontractors.

4. TIME IS OF THE ESSENCE:

Contractor and the City agree that time is of the essence regarding the performance of this Agreement.

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It is agreed by the parties to this Agreement that if all the w ork called for under the Agreement is not completed before or upon the expiration of the time limit as set forth in Paragraph 1 above, damage will be sustained by the City, and it is and will be impracticable to determine the actual damage which the City will sustain in the event of and by reason of such delay. It is therefore agreed that Contractor will pay the City the sum of FOUR THOUSA ND EIGHT HUNDRED DOLLARS ($4,800) per day as liquidated damages for each and every day's delay beyond the time prescribed to complete the work; and Contractor agrees to pay such liquidated damages as herein provided, and in case the same a re not paid, agrees that the Ci ty may deduct the amount thereof from any money due or that may become due Contractor under the Agreement.

It is further agreed that in case the work called for under the Agreement is not finished and completed in all parts and requirements within the time specifi ed, the City shall have the right to extend the time for completion or not, as may seem best to serve the interest of the City; and if the City decides to extend the time limit for the completion of the Agreement, it shall further have the right to charge Contractor, his or her heirs, assigns or sureties, and to deduct from the final payment for the work, all or any part, as it may deem proper, of the ac tual costs and overhead expenses which are directly chargeable to the Agreement, and which accru e during the period of such extensions.

Contractor shall not be assessed with liquidated damages during a n y d e l a y i n t h e completion of the work caused by an act of God or of the public enemy, acts of the City, fire, flood, epidemic, quarantine restricti on, strikes, freight embargoes, a nd unusually severe weather or delays of subcontractors due to such causes; provided that Cont ractor shall, within one (1) day from the beginning of such delay, notify the City in writing of the causes of delay. The City shall ascertain the facts in good faith and the extent of the delay, and its findings of the facts thereon shall be final and conclusive.

5. STANDARD OF CARE:

Contractor agrees to perform all services and work hereunder in a manner commensurate with the prevailing standards of like professionals in the San Francisco Bay Area and agrees that all services and work shall be performed by qualified and exper ienced personnel who are not employed by the City nor have any contractual relationship with the City.

6. INDEPENDENT PARTIES:

Contractor hereby declares tha t it is engaged as an independent business and it agrees to perform its services as an independent contractor. The manner and means of conducting the work are under the control of Contractor, except to the extent they are limited by statute, rule or regulation and the express terms of this Agreement. No civil s ervice status or other right of employment will be acquired by virtue of Contractor's services and work. None of the benefits provided by the City to its employees, including but not limite d to unemployment insurance, workers' compensation plans, vacation and sick leave are available from the City to Contractor, its employees, subcontractors, supplie rs or agents. Deductions sha ll not be made for any state or federal taxes, FICA payments, PE RS payments, or other purposes normally associated with an employer-employee relationship from any fees due Contractor. P ayments of the above items, if required, are the responsibility of Contractor.

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7. IMMIGRATION REFORM AND CONTROL ACT (IRCA):

Contractor assumes any and all responsibility for verifying the identity and employment authorization of all of its employees performing work hereunder, pursuant to all applicable IRCA or other federal, or state rul es and regulations. Contractor s hall indemnify, defend (with counsel acceptable to the City) and hold the City harmless from and aga inst any loss, damage, liability, costs or expenses arising from any noncompliance of this provision by Contractor.

8. NON-DISCRIMINATION:

Consistent with the City’s policy and state and federal law tha t harassment and discrimination are unacceptable employer/employee conduct, neither Contractor nor Contractor’s employees, agents, subcontractor s or suppliers shall harass or discriminate against any job applicant, City employee, or any person on the basis of any kin d of any statutorily (federal, state or local) protected class, including but not limited to race, r eligious creed, color, national origin, ancestry, disability (both mental and physical), including HIV and AIDS, medical condition (e.g.. cancer), genetic information, marital status, sex, gender, gend er identity, gender expression, age, sexual orientation, pregnancy, political affiliation, military and veteran status or legitimate union activities. Contractor agrees that any violations of this provision shall constitute a material breach of this Agreement.

9. HOLD HARMLESS:

To the fullest extent permitted by law, Contractor shall indemn ify, defend (with counsel acceptable to the City) and hold harmless the City, its City Council, boards, commissions, officials, employees, agents and volunteers (“Indemnitees”) from and again st any and all loss, damages, liability, obligations, claims, suits, judgments, costs and exp enses whatsoever, including reasonable attorney’s fees and costs of litigation (“Claims”), arising from or in any manner connected to Contractor’s perfo rmance of its obligations under t his Agreement or out of the operations conducted by Contractor even if the City is found to have been negligent. If the Claims filed against Indemnitees allege negligence, recklessness or wi llful misconduct on the part of Contractor, Contractor shall have no right of reimbursement aga inst Indemnitees for the costs of defense even if negligence, reck lessness or willful misconduct is not found on the part of Contractor. Contractor shall not have any obligations to indem nify Indemnitees if the loss or damage is found to have resulted solely from the negligence or the willful misconduct of the City.

The defense and indemnification obligations of this Agreement are undertaken in addition to, and shall not in any way be limited by, the insurance obligations contained in this Agreement.

As to Claims for professional liability only, Contractor’s obligation to defend Indemnitees (as set forth above) is limited as provided in California Civil Code Section 2782.8.

Contractor’s obligation to indemnify, defend and hold harmless Indemnities shall expressly survive the expiration or early termination of this Agreement.

10. INSURANCE:
a. On or before the commencement of the terms of this Agreement, Contractor shall furnish City’s Risk Manager with certificates showing the type, amount, class of operations covered, effective dates and da tes of expiration of insurance c overage in compliance with paragraphs 10.b. (1) through (4). Such certificates, which do no t limit Contractor's indemnification, shall also contain substantially the following statement:

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“Should any of the above insurance covered by this certificate be canceled or coverage reduced before the expiration date thereof, the insurer affording coverage shall provide thirty (30) days advance written notice to the City of Alameda, Attention: Risk Manager.” Contractor shall maintain in force at all times during the perf ormance of this Agreement all appropriate coverage of insu rance required by this Agreemen t with an insurance company licensed to offer insurance business in the State of California with a current A.M. Best’s rating of no less than A:VII or Standard & Poor’s Rating (if rated) of at least BBB unless otherwise acceptable to the City. Endorse ments naming the City, its City Council, boards, commissions, officials, employees, agents a nd volunteers as additional insured shall be submitted with the insurance certificates.
b. COVERAGE:

Contractor shall maintain insurance coverage and limits at least as broad as:
(1) Workers’ Compensation:

Statutory coverage as required by the State of California. (2) Liability:

Commercial general liability coverage in the following minimum limits:

Bodily Injury: $1,000,000 each occurrence
$2,000,000 aggregate - all other
Property Damage: $1,000,000 each occurrence
$2,000,000 aggregate
If submitted, combined single limit policy with per occurrence limits in the amounts of $2,000,000 and aggregate limits in the amounts of $4 ,000,000 will be considered equivalent to the required minimum limits shown abov e. Additional Insured Endorsement naming the City, its City Council, boards, commissions, officials, employees, agents, and volunteers is required. (3) Automotive:

Comprehensive automobile liability coverage (any auto) in the f ollowing minimum limits:

Bodily injury: $1,000,000 each occurrence
Property Damage: $1,000,000 each occurrence
or
Combined Single Limit: $2,000,000 each occurrence
Additional Insured Endorsement naming the City, its City Council, boards, commissions, officials, employees, agents, and volunteers is required.

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(4) Pollution Prevention:

Legal liability required for hazardous materials excavation in the amount of $2,000,000 each occurrence. Additional Insured Endorsement naming the City, its City Council, boards, commissions, officials, employees, agents, and volunteers is required.
c. SUBROGATION WAIVER:

Contractor hereby agrees to waiv e rights of subrogation which a ny insurer of Contractor may acquire from Contractor by virtue of the payment of any loss. Contractor agrees to obtain any endorsement that may be necessary to affect this waiver of subrogation, but this provision applies regardless of whether the City has received a waiver of subrogation endorsement from the insurer.

The Workers’ Compensation policy shall be endorsed with a waiver of subrogation in favor of the City for all work performed by the Contractor, its employees, agents and subcontractors. d. FAILURE TO SECURE:

If Contractor at any time during the term hereof should fail to secure or maintain the foregoing insurance, the City shall be permitted to obtain such insurance in Contractor's name or as an agent of Contractor and sha ll be compensated by Contracto r for the costs of the insurance premiums at the maximum rate permitted by law and computed from the date written notice is received that the premiums have not been paid.
e. ADDITIONAL INSURED:

The City, its City Council, boards, commissions, officials, employees and volunteers shall be named as an additional insure d under all insurance coverages , except worker’s compensation i n s u r a n c e . T h e n a m i n g o f a n additional insured shall not affec t any recovery to which such additional insured would be entitled under this policy if not named as such additional insured. An additional insured na med herein shall not be held liable for an y premium, deductible portion of any loss, or expense of any nature on this policy or any extens ion thereof. Any other insurance held by an additional insured shall not be required to contribu te anything toward any loss or expense covered by the insurance provided by this policy. The additional insured coverage under the Contractor’s policy shall be primary and non-contributory and will not seek contribution from the City’s insurance or self-insurance.
f. SUFFICIENCY OF INSURANCE:

Contractor shall furnish the following bonds from a bonding com pany acceptable to the City’s Risk Manager. Faithful Performance Bond and Labor and Material Bond are only required for work over $25,000. Therefore, those estimates that are under $25,000 will not need to budget for the bond premiums and thos e estimates over $25,000 will nee d to be sure to budget for the bond premiums.

The insurance limits required by the City are not represented as being sufficient to protect Contractor. Contractor is advised to consult Contractor's insurance broker to determine adequate coverage for Contractor.

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g. EXCESS OR UMBRELLA LIABILITY:

If any Excess or Umbrella Liability policies are used to meet the limits of liability required by this Agreement, then said policies shall be true “following form” of the underlying policy coverage, terms, conditions, and provisions and shall meet all of the insurance requirements stated in this Agreement, including but not limited to, the additional insured, SIR, and primary insurance requirements stated therein. No insurance policies maintained by the indemnifie d parties or Additional Insureds, whether primary or excess, and which also apply to a loss covered hereunder, shall be called upon to contribute to a loss until all the primary and excess liability policies carried by or available to the Provider are exhausted.

11. BONDS:

Contractor shall furnish the following bonds from a bonding company acceptable to the City’s Risk Manager:

A. Faithful Performance: A bond in the amount of 100% of the t otal contract price guaranteeing the faithful performance of this contract, and B. Labor and Materials: A bond fo r labor and materials in the amount of 100% of the total contract price.

12. PROHIBITION AGAINST TRANSFERS:

Contractor shall not assign, subl ease, hypothecate, or transfer this Agreement, or any interest therein, directly or indirectly, by operation of law o r otherwise, without prior written consent of the City Manager. Any attempt to do so without said consent shall be null and void, and any assignee, sublessee, hypothecate or transferee shall acquire no right or interest by reason of such attempted assignment, hypothecation or transfer. However, Contractor’s claims for money from the City under this Agreement may be assigned to a bank, trust company or other financial institution without prior writte n consent. Written notice of s uch assignment shall be promptly furnished to the City by Contractor.

The sale, assignment, transfer or other disposition of any of t he issued and outstanding capital stock of Contractor, or of the interest of any general partner or joint venturer or syndicate member or cotenant, if Contractor is a partnership or joint venture or syndicate or cotenancy, which shall result in changing the control of Contractor, shall be co nstrued as an assignment of this Agreement. Control means fifty percent (50%) or more of the voting power of the corporation.

13. SUBCONTRACTOR APPROVAL:

Unless prior written consent from the City is obtained, only th ose people and subcontractors whose names are listed in Contractor's bid shall be used in the performance of this Agreement.

Requests for additional subcontracting shall be submitted in wr iting, describing the scope of work to be subcontracted and the name of the proposed subcon tractor. Such request shall set forth the total price or hourly rates used in preparing estimat ed costs for the subcontractor's services. Approval of the subcontractor may, at the option of the City, be issued in the form of a Work Order.

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In the event that Contractor employs subcontractors, such subcontractors shall be required to furnish proof of workers' compensation insurance and shall also be required to carry general and automobile liability insurance in reasonable conformity to the insurance carried by Contractor. In addition, any work or services subcontracted hereunder shall be subject to each provision of this Agreement.

14. PERMITS AND LICENSES:

Contractor, at its sole expense, shall obtain and maintain during the term of this Agreement, all appropriate permits, certificates and licenses, including a City Business License that may be required in connection with the performance of services and work hereunder.

15. REPORTS:

Each and every report, draft, work product, map, record and oth er document reproduced, prepared or caused to be prepared by Contractor pursuant to or in connection with this Agreement shall be the exclusive property of the City.

No report, information nor other data given to or prepared or as sembled by Contractor pursuant to this Agreement shall be made available to any individual or organization by Contractor without prior approval by the City.

Contractor shall, at such time and in such form as the City may require, furnish reports concerning the status of services and work required under this Agreement.

16. RECORDS:

Contractor shall maintain complete and accurate records with re spect to sales, costs, expenses, receipts and other such information required by the Ci ty that relate to the performance of services and work under this Agreement.

Contractor shall maintain adequa te records of services and work provided in sufficient detail to permit an evaluation of services and work. All such records shall be maintained in accordance with generally accepted accounting principles and sha ll be clearly identified and readily accessible. Contractor shall provide free access to su ch books and records to the representatives of the City or its designees at all proper time s, and gives the City the right to examine and audit same, and to make transcripts therefrom as ne cessary, and to allow inspection of all work, data, documents, proceedings and activities related to this Agreement. Such records, together with supporting documents, shall be kept separate from other documents and records and shall be maintained for a period of three (3) years after receipt of final payment.

If supplemental examination or audit of the records is necessary due to concerns raised by the City's preliminary examination or audit of records, and the City’s supplemental examination or audit of the records disclose s a failure to adhere to approp riate internal financial controls, or other breach of contract or failure to act in good faith, then Contractor shall reimburse the City for all reasonable costs and expenses associated with the supplemental examination or audit.

17. NOTICES:

All notices, demands, requests or approvals to be given under this Agreement shall be given in writing and conclusively shall be deemed served when delivere d personally or on the second

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business day after the deposit thereof in the United States Mai l, postage prepaid, registered or certified, addressed as hereinafter provided.

All notices, demands, requests, or approvals from Contractor to the City shall be addressed to the City at:

City of Alameda
Public Works Department
950 W. Mall Sq, Rm 110
Alameda, CA 94501
ATTENTION: Alan Ta, Project Manager
Ph: (510) 747-7930 / Fax: (510) 747-6030
Email: [email protected]
All notices, demands, requests, or approvals from the City to Contractor shall be addressed to Contractor at:

Radius Earthwork Inc.
197 E Hamilton Avenue, Suite 204
Campbell, CA 95008
ATTENTION: Suneeth Tummala
Ph: (408) 384-8630
Email: [email protected]

18. SAFETY:

Contractor will be solely and completely responsible for conditions of all vehicles owned or operated by Contractor, including the safety of all persons and property during performance of the services and work under this Agreement. This requirement will apply continuously and not be limited to normal working hours. In addition, Contractor will comply with all safety provisions in conformance with U.S. Department of Labor Occupational Safety and Health Act, any equivalent state law, and all other applicable federal, state, county and local laws, ordinances, codes, and any regulations that may be detailed in other parts of the Agreement. Where any of these are in conflict, the more stringent requirements will be followed. Contractor’s failure to thoroughly familiarize itself with the aforementioned safety provisions will not relie ve it from compliance with the obligations and penalties set forth herein.

Contractor will immediately notify the City’s Risk Manager within 24 hours of any incident of death, serious personal injury or substantial property damage that occurs in connection with the performance of this Agreement. Contractor will promptly submit to the City a written report of all incidents that occur in connection with this Agreement. This report must include the following information: (i) name and address of injured or deceased person (s); (ii) name and address of Contractor’s employee(s) involved in the incident; (iii) name and address of Contractor’s liability insurance carrier; (iv) a detailed description of the incident; and (v) a police report.

19. LAWS TO BE OBSERVED:

Contractor shall comply with all applicable laws, state, federa l, and all ordinances, rules and regulations enacted or issu ed by City. In addition, Contra ctor shall keep himself fully

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informed of all existing and future state and federal laws and all municipal ordinances and regulations of the City which in any manner affect those engaged or employed in the work, or the materials used in the work, or which in any way affect the cond uct of the work, and of all such orders and decrees of bodies or tribunals having any jurisdiction or authority over the same.

20. HEALTH AND SAFETY REQUIREMENTS.

Provider acknowledges that the C ity shall have the right to imp ose, at the City’s sole discretion, requirements that it deems are necessary to protect the health and safety of the City employees, residents, and visitors . Provider agrees to comply with all such requirements, including, but not limited to, mandatory vaccinations, the use of personal protective equipment (e.g. masks), physical distancing, and health screenings. Provider also agrees to make available to the City, at the City’s request, records to demonstrate Provider’s compliance with this Section.

21. DEPARTMENT OF INDUSTRIAL RELATIONS COMPLIANCE AND
PREVAILING WAGE REQUIREMENTS ON PUBLIC WORKS PROJECTS:

Effective January 1, 2015, no Contractor or Subcontractor may be listed on a bid proposal for a public works project (submitted after March 1, 2015) unless registered with the Department of Industrial Relations pursuant to Labor Code Section 1725.5 ( with the limited exceptions from this requirement for bid purpos ed only under Labor Code Section 1771.1(a)). Register at https://efiling.dir.ca.gov/PWCR
No Contractor or Subcontractor may be awarded a contract for pu blic work on a public works project (awarded on or after April 1, 2015) unless regist ered with the Department of Industrial Relations pursuant to Labor Code Section 1725.5.

This project is subject to compliance monitoring and enforcemen t by the Department of Industrial Relations.

The Prime Contractor is required to post job site notices prescribed by regulations. See 8 Calif. Code Regulation §16451(d).

Effective April 1, 2015, All Cont ractors and Subcontractors mus t furnish electronic certified payroll records directly to the Labor Commissioner at :
https://apps.dir.ca.gov/ecpr/das/altlogin

22. HOURS OF LABOR:

As provided in Article 3 (comme ncing at § 1810), Chapter 1, Part 7, Division 2 of the Labor Code, eight (8) hours of labor shall constitute a legal day's work. The time of service of any worker employed at any time by Contractor or by any subcontractor on any subcontract under this Agreement, upon the work or upon any part of the work contemplated by this Agreement, is limited and restricted to eight (8) hours during any one calendar day and forty (40) hours during any one calendar week, except as herein after provided. Notwithstanding the provision hereinabove set forth, work performed by employ ees of Contractor in excess of eight (8) hours per day and forty (40) hours during any one week shall be permitted upon this pub lic work, provided that the employees’ compensation for all hours worked in excess of eight (8) hours per day at not less than one and one-half (1-1/2) times the basic rate of pay.

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Contractor shall pay the City a penalty of Twenty-five Dollars ($25.00) for each worker employed in the execution of this Agreement by Contractor, or b y any subcontractor, for each calendar day during which such worker is required or permitted to work more than eight (8) hours in any calendar day and forty (40) hours in any one (1) calendar week, in violation of the provisions of Article 3 (commencing at § 1810), Chapter 1, Part 7, Division 2 of the Labor Code, unless compensation for the workers so employed by Contractor is not less than one and one-half (1-1/2) times the basic rate of pay for all hours worked in excess of eight (8) hours per day.

Holiday and overtime work, when permitted by law, shall be paid for at a rate of at least one and one-half (1½) times the above specified rate of per diem wages, unless otherwise specified.

Holidays shall be defined in the Collective Bargaining Contract applicable to each particular craft, classification, or type of worker employed.

23. APPRENTICES:

Attention is directed to the provisions in Sections 1777.5 and 1777.6 of the Labor Code concerning the employment of apprentices by Contractor or any subcontractor under it on contracts greater than $30,000 or 20 working days. Contractor and any subcontractor under it shall comply with the requirements of Sections 1777.5 and 1777.6 in the employment of apprentices.

Section 1777.5 of the Labor Code requires Contractor or subcontractor employing workers in any apprenticeable occupation to apply to the joint apprenticeship committee nearest the site of the public works project, and which administers the apprentices hip program in that trade, for a certificate of approval, if they have not previously applied an d are covered by the local apprenticeship standards.

Contractor is required to make contributions to funds established for the administration of apprenticeship programs if: (1) C ontractor employs registered a pprentices or journeymen in any apprenticeable trade on such contracts and if other contractors on the public works site are making such contributions; or (2) if Contractor is not a signatory to an apprenticeship fund and if the funds administrator is unable to accep t Contractor' required contribu tion. Contractor or subcontractor shall pay a like amount to the California Apprenticeship Council.

Information relative to apprenticeship standards, wage schedule s, and other requirements may be obtained from the Direct or of Industrial Relations, ex-o fficio the Administrator of Apprenticeship, San Francisco, California, or from the Division of Apprenticeship Standards and its branch offices.

24. LABOR DISCRIMINATION:

No discrimination shall be made in the employment of persons upon public works because of the race, color, sex, religi on, age, national origin, sexual orientation or physical disability of such persons and every Contractor for public works violating th is section is subject to all the penalties imposed for a violation of the provisions of the Labo r Code, and, in particular, Section 1735.

25. REGISTRATION OF CONTRACTORS:

Before submitting bids, contractors shall be licensed in accordance with the provisions of Chapter 9, Division 3, of the Business and Professional Code of the State of California.

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26. URBAN RUNOFF MANAGEMENT:

Contractor shall avoid creating excess dust when breaking asphalt or concrete and during excavation and grading. If water is used for dust control, contractor shall use as little as necessary.

Contractor shall take all steps necessary to keep wash water ou t of the streets, gutters and storm drains.

Contractor shall develop and implement erosion and sediment control to prevent pollution of storm drains. Such control includes but is not limited to:
a. Use storm drain inlet protecti on devices such as sand bag barriers, filter fabric fences, block and gravel filters. (Block storm drain inlets prior to the start of the rainy season (October 15), on site de-watering activities and saw-cutting ac tivities; shovel or vacuum saw-cut slurry and remove from the site).
b. Cover exposed piles of soil or construction material with pla stic sheeting. All construction materials must be stored in containers.
c. Sweep and remove all materials from paved surfaces that drain to streets, gutters and storm drains prior to rain as well as at the end of the each work day. At the completion of the project, the street shall be washed and the wash water s hall be collected and disposed of offsite in an appropriate location.
d. After breaking old pavement, Contractor shall remove all debris to avoid contact with rainfall or runoff.
e. Contractor shall maintain a cl ean work area by removing trash , litter, and debris at the end of each workday. Contractor shall also clean up any le aks, drips, and other spills as they occur.

The objective is to ensure that the City and County of Alameda County-Wide Clean Water Program is adequately enforced. These controls should be imple mented prior to the start of construction, up-graded as require d, maintained during construc tion phases to provide adequate protection, and removed at the end of construction.

These recommendations are intended to be used in conjunction wi th the State’s Best Management Practices Municipal and Construction Handbooks, local program guidance materials from municipalities, Section 7.1.01 of the Standard Specificati ons and any other appropriate documents on storm water quality controls for construction.

Failure to comply with this program will result in the issuance of noncompliance notices, citations, project stop orders o r fines. The fine for noncompl iance of the above program is two hundred and fifty dollars ($250.00) per occurrence per day. Th e State under the Federal Clean Water Act can also impose a fine on the contractor, pursuant to Cal. Water Code §13385.

27. COMPLIANCE WITH MARSH CRUST ORDINANCE:

Contractor shall perform all excavation work in compliance with the City’s Marsh Crust Ordinance as set forth at Section 13-56 of the Municipal Code. Prior to performing any excavation work, Contractor shall verify with the Building Official whether the excavation work is subject to

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the Marsh Crust Ordinance. Contractor shall apply for and obtain permits from Building Services on projects deemed to be subject to the Marsh Crust Ordinance.

28. COMPLIANCE WITH THE CITY’S INTEGRATED PEST MANAGEMENT POLICY:

Contractor shall follow the requirements of the City's Integrated Pest Management (IPM) Policy to ensure the City is in compliance with its Municipal Regional Stormwater NPDES Permit, Order No. R2-2009-0074, issued by the San Francisco Bay Regional Water Quality Control Board. Contractor shall use the most cu rrent IPM technologies available to ensure the long-term prevention or suppression of pest problems and to minimize nega tive impacts on the environment, non-target organis ms, and human health for the con trol or management of pests in and around City buildings and facilities, parks and go lf courses, urban landscape areas, rights-of-way, and other City properties.
Contractor will consider the City IPM Policy’s hierarchy of opt ions or alternatives listed below, in the following order before recommending the use of or applying any pesticide on City property: (1)
a. No controls (e.g. tolerating the pest infestation, use of res istant plant varieties or allowing normal life cycle of weeds);
b. Physical or mechanical controls (e.g. hand labor, mowing, exclusion); c. Cultural controls (e.g. mulchi ng, disking, alternative vegeta tion) and good housekeeping (e.g. cleaning desk area);
d. Biological controls (e.g., natural enemies or predators); e. Reduced-risk chemical controls (e.g., soaps or oils); and f. Other chemical controls.
Prior to applying chemical controls Contractor shall complete a checklist for the City’s pre- approval that explains why a che mical control is necessary. Fo r annual contracts that require regular application of c hemical controls the contractor shall submit one checklist prior to the initiation of the project demonstrating that the hierarchy has been reviewed and no other options exist. (See E xhibit C). Additionally, Contrac tor shall provide documentation to the City’s project manager of the implementation of the IPM techniques hierarchy described in the City’s IPM Policy.
Contractor shall avoid the use of the following pesticides that threaten water quality, human health and the environment:
a. Acute Toxicity Category I chemicals as identified by the Environmental Protection Agency (EPA);
b. Organophosphate pesticides (e.g., those containing Diazinon, chlorpyrifos or malathion);
c. Pyrethroids (bifenthrin, cyflut hrin, beta-cyfluthrin, cyperme thrin, deltamethrin, esfenvalerate, lambda-cyhalothrin, permethrin, and tralomethrin), carbamates (e.g., carbaryl), and fipronil; and
d. Copper-based pesticides unless their use is judicious, other approaches and techniques have been considered, and the threat of impact to wa ter quality is

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Pavement Management Project, Phase 42
prevented.
Contractor shall sign the Contract or Verification Form (attache d as Exhibit B) indicating the intent to implement the City’s IPM Policy, and return a signed copy to the City’s project manager.
Contractor shall provide to the City’s project manager an annua l report of all pesticide usage in support of City operati ons including pesticide name, a ctive ingredient(s), target pest(s), the total amounts used and the reasons for any increase in use of any pesticide. Contractor shall provide a copy of any current IPM certificatio ns(s) to the City’s project manager prior to initiation of the service work.

A copy of the City's IPM Policy may be obtained from the City’s project manager and is also on file with the City Clerk.

If this Agreement pertains to the use of any items listed above, Contractor will need to fill out and send in the Contractor Verification Fo rm and Contractor Check List. ADD EXHIBIT B IF PEST CONTROL.

29. MULCH PROCUREMENT REQUIREMENTS
Providers of landscaping maintenance, renovation, and construction shall:
a. Use compost and SB 1383 eligible mulch, as practicable, produ ced from recovered organic waste, for all landscaping renovations, construction, o r maintenance performed for the City, whenever available, and capable of meeting quality standards and criteria specified. SB 1383 eligible mulch used for land application shall comply with 14 CCR, Division 7, Chapter 12, Article 12 and must meet or exceed the physical contamination, maximum met al concentration and pathogen density standards specified in 14 CCR Section 17852(a)(24.5)(A)(1) through (3). b. Maintain the following records for compost and SB 1383 eligib le mulch and submit to the City upon request:
(1) General description of how a nd where the product was used and applied; (2) Source of product, including name, physical location, and co ntact information for each entity, operation, or facility from whom t he compost and/or SB 1383 eligible mulch were procured;
(3) Type of product
(4) Quantity of each product; and,

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Invoice or other record demonstrating purchase or procurement.

30. PURCHASES OF MINED MATERIALS REQUIREMENT:

Contractor shall ensure that all purchases of mined materials s uch as construction aggregate, sand and gravel, crushed stone, road base, fill materials, and any other mineral materials must originate from a surface mining operation identified on th e AB3098 List per the Surface Mining and Reclamation Act of 1975 (SMARA).

Within five days of award of contract, Contractor shall submit a report to the City which lists the intended suppliers for the above materials and demons trates that the suppliers are in compliance with the SMARA requirements. The AB3098 List is mai ntained by the Department of Conservation’s Office of Mine Reclamation (OMR) and can be v iewed at:
www.conservation.ca.gov/OMR/ab_3098_list/index.htm. Note that the list changes periodically and should be reviewed accordingly.

31. TERMINATION:

In the event Contractor fails or refuses to perform any of the provisions hereof at the time and in the manner required here under, Contractor shall be deeme d in default in the performance of this Agreement. If such default is not cured within a period of two (2) business days after receipt by Contractor from the City of written notice of default, specifying the nature of such default and the steps necessary to cure such default, the City may terminate the Agreement forthwith by giving to Contractor written notice thereof.

The City shall have the option, at its sole discretion and without cause, of terminating this Agreement by giving seven (7) days’ prior written notice to Contractor as provided herein. Upon termination of this Agreement, each party shall pay to the other party that portion of compensation specified in this Agreement that is earned and unpaid prior to the effective date of termination.

32. ATTORNEYS’ FEES AND COSTS:

In the event of any litigation, including administrative procee dings, relating to this Agreement, including but not limited to any action or suit by a ny party, assignee or beneficiary against any other party, beneficiary or assignee, to enforce, interpret or seek relief from any provision or obligation arising out of this Agreement, the parties and litigants shall bear their own attorney’s fees and costs. No party or litigant shall be entitled to recover any attorneys’ fees or costs from any other party or litigant, regardless of which party or litigant might prevail.

33. PCC SECTION 9204 SUMMARY - CLAIMS SUBMITTED BETWEEN 01-01-2017 AND 01-01-2027.:

Notwithstanding anything else to the contrary stated in the Inf ormation For Bidders (IFB) or the Contract Documents, all claims, regardless of dollar amount, submitted between January 1, 2017 and January 1, 2027 shall be governed by PCC Section 9204 and this section.

The following provisions and procedures shall apply:

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A. For the purposes of this secti on, the term “Claim”, “Contract or”, “mediation”, “Public Entity” “Public works project” and “Subcontractor” shall have t he meaning provided for in PCC Section 9204.

B. Contractor shall submit each Claim (whether for a time extension, payment for money or damages) in writing and in com pliance with PCC Section 9204. C ontractor must include reasonable documentation to support each claim.

C. Upon receipt of a Claim, the City shall conduct a reasonable review and respond in writing within 45 days of receipt and shall identify in a written state ment what portions of the claim are disputed and undisputed. Undisput ed portions of the Claim shal l be process and paid within 60 days of the written statement. Undisputed amounts not paid in a timely manner shall bear interest at 7% per annum. The City and C ontractor may mutually agree to extend the 45 day response time.

D. If the City needs approval from the City Council to provide a written statement, the 45 days may be extended to 3 days following the next duly noticed public meeting pursuant to PCC Section 9204(d)(1)(C).

E. If the City fails to timely respond to a Claim or if Contractor disputes the City’s response, Contractor may submit a written demand for an informal meet and confer conference with the City to settle the issues in dispute. The demand must be sent via r egistered or certified mail, return receipt requested. Upon receipt, the City shall schedule the conference within 30 days.

F. Within 10 business days following the informal meet and confer conference, the City shall submit to Contractor a written statement describing any issues remaining in dispute and that portion which is undisputed. Undisputed portions of the Claim shall be process and paid within 60 days of the written statemen t. Undisputed amounts not paid in a timely manner shall bear interest at 7% per annum. The i ssues remaining in dispute shal l be submitted to non-binding mediation. If the City and Cont ractor mutually agree on a mediator, each party shall pay equal portions of all associated costs. If within 10 business days, the City and Contractor cannot agree on a mediator, each party shall select a mediator (paying all c osts associated with their selected mediator), and those mediators shall select a qualified neutral third party to mediate the disputed issues. The City and Contractor shall pay equal portions of all associated costs of such third party mediator.

G. Unless otherwise agreed by the City and Contractor, any media tion conducted hereunder shall excuse any further obliga tion under Public Contract Code Section 20104.4 to mediate after litigation has commenced.

H. The City reserves all rights and remedies that it has pursuant to the Construction Contract, plans and specification, at law or in equity which are not in conflict with PCC 9204.

This Section shall be automatically extended if legislation is lawfully passed which extends the terms of Public Contract Code Section 9204 beyond January 1, 2027.

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34. CONFLICT OF LAW:

This Agreement shall be interpreted under, and enforced by the laws of the State of California excepting any choice of law rules which may direct t he application of laws of another jurisdiction. The Agreement and obligations of the parties are subject to all valid laws, orders, rules, and regulations of the authorities having jurisdiction over this Agreement (or the successors of those authorities.) Any suits brought pursuant to this Agre ement shall be filed with the courts of the County of Alameda, State of California.

35. ADVERTISEMENT:

Contractor shall not post, exhibit, display or allow to be posted, exhibited, displayed any signs, advertising, show bills, lithographs, posters or cards of any kind pertaining to the services performed under this Agreement unless prior written approval has been secured from the City to do otherwise.

36. WAIVER:

A waiver by City of any breach of any term, covenant, or condition contained herein, shall not be deemed to be a waiver of any subsequent breach of the sa me or any other term, covenant, or condition contained herein, whether of the same or a different character.

37. INTEGRATED CONTRACT:

This Agreement represents the f ull and complete understanding o f every kind or nature whatsoever between the parties hereto, and all preliminary nego tiations and agreements of whatsoever kind or nature are merged herein. No verbal agreeme nt or implied covenant shall be held to vary the provisions hereof. Any modification of this Agreement will be effective only by written execution signed by both the City and Contractor.

38. INSERTED PROVISIONS:

Each provision and clause require d by law to be inserted into t he Agreement shall be deemed to be enacted herein, and the Agreement shall be read an d enforced as though each were included herein. If through mistake or otherwise, any such pro vision is not inserted or is not correctly inserted, the Agreement shall be amended to make such insertion on application by either party.

39. CAPTIONS:

The captions in this Agreement are for convenience only, are no t a part of the Agreement and in no way affect, limit or amplify the terms or provisions of this Agreement.

40. COUNTERPARTS:

This Agreement may be executed in any number of counterparts (i ncluding by fax, PDF, DocuSign, or other electronic means), each of which shall be deemed an original, but all of which shall constitute one and the same instrument.

41. SIGNATORY:

By signing this Agreement, each signatory warrants and represen ts that he/she executed this Agreement in his/her authorized capacity and that by his/h er signature on this Agreement, he/she or the entity upon behalf of which he/she acted, executed this Agreement.

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42. CONTROLLING AGREEMENT:

In the event of a conflict between the terms and conditions of this Agreement (as amended, supplemented, restated or otherw ise modified from time to time) and any other terms and conditions wherever contained, including, without limitation, terms and conditions included within exhibits, the terms and conditions of this Agreement shall control and be primary. [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]

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IN WITNESS WHEREOF, the parties have caused the Agreement to be executed on the day and year first above written.

RADIUS EARTHWORK INC. CITY OF ALAMEDA,
a C a l i f o r n i a c o r p o r a t i o n a m u n i c i p a l c o r p o r a t i o n Janamjit S. Gondara J e n n i f e r O t t
P r e s i d e n t C i t y M a n a g e r

R E C O M M E N D E D F O R A P P R OVAL
Suneetha Tummala Erin Smith
S e c r e t a r y P u b l i c W o r k s D i r e c t o r Contractor License No._______________ APPROVED AS TO FORM:

City Attorney
DIR No.___________________________
Len Aslanian
Assistant City Attorney
Suneetha Tummala
Janamjit S. Gondara
1059010
1000517452

Exhibit A

03/29/2024
All Spectrum Insurance Brokers
4010 Moorpark Ave
Suite 117
San Jose CA 95117
Lisa Koo
(408) 739-8300 (866) 826-6781
[email protected]
Radius Earthwork, Inc
197 E. Hamilton Avenue #204
Campbell CA 95008
Hartford Fire Insurance Company 19682
Hartford Accident and Indemnity Company 22357
Hartford Casualty Insurance Co 29424
Sentinel Insurance Company Ltd 11000
Admiral Insurance Company 24856
CL2371918782
A Y Y 57UEABB6016 07/29/2023 07/29/2024
1,000,000
300,000
5,000
1,000,000
2,000,000
2,000,000
B Y Y 57UEABB6015 07/29/2023 07/29/2024
1,000,000
C
10,000
Y Y 57HHABB2622 07/29/2023 07/29/2024
4,000,000
4,000,000
D Y Y 57WEAAL9J4V 07/29/2023 07/29/2024
1,000,000
1,000,000
1,000,000
E
Pollution Liability Coverage
FEI-ECC-28537-02 07/29/2023 07/29/2024
Each Occurrence $1,000,000
Aggregate $2,000,000
Deductible $2,500
If required by a written agreement or a contract, per endorsements/coverage forms HG 00 01 09 16 and HA 99 16 12 21, The City, its City Council, boards, commissions, officials, employees and volunteers are Additional insured with respect to the General Liability and Auto Liability. Primary and Non-Contributory applies per forms HG 00 01 09 16 and HA 99 16 12 21, with respect to the General Liability and Auto Liability. Waiver of Subrogation applies per forms HG 00 01 09 16, HA 99 16 12 21 and WC 04 03 06, with respect to the General Liability, Auto Liability and Workers Compensation. If required by a written agreement or a contract, certificate holder is Additional Insured, Primary & Non-Contributory applies and Waiver of Subrogation applies, per forms ECC-319-0712, ECC-406B-0712, ECC-548-0317 and ECC-320-0712, with respects to Pollution Liability. Umbrella follows form. 30 Day Direct Notice of Cancellation applies, per form IH 03 13 06 11 and IH 03 16 06 11.

City of Alameda Public Works Department
950 W. Mall Sq, Rm 110
Alameda CA 94501

SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE

THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS.

INSURER(S) AFFORDING COVERAGE
INSURER F :

INSURER E :

INSURER D :

INSURER C :

INSURER B :

INSURER A :

NAIC #
NAME:

CONTACT
(A/C, No):

FAX
E-MAIL
ADDRESS:

PRODUCER
(A/C, No, Ext):

PHONE

INSURED
REVISION NUMBER:CERTIFICATE NUMBER:COVERAGES
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).

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.

OTHER:
(Per accident)
(Ea accident)
$
$
N / A
SUBR
WVD
ADDL
INSD

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. $
$
$
$PROPERTY DAMAGE

BODILY INJURY
(Per accident)
BODILY INJURY (Per person)

COMBINED SINGLE LIMIT

AUTOS ONLY

AUTOSAUTOS ONLY

NON-OWNED

SCHEDULEDOWNED

ANY AUTO

AUTOMOBILE LIABILITY
Y / N

WORKERS COMPENSATION

AND EMPLOYERS' LIABILITY
OFFICER/MEMBER EXCLUDED?
(Mandatory in NH)
DESCRIPTION OF OPERATIONS below
If yes, describe under

ANY PROPRIETOR/PARTNER/EXECUTIVE
$
$
$
E.L. DISEASE - POLICY LIMIT
E.L. DISEASE - EA EMPLOYEE
E.L. EACH ACCIDENT
ER
OTH-

STATUTE
PER

LIMITS(MM/DD/YYYY)

POLICY EXP
(MM/DD/YYYY)

POLICY EFF

POLICY NUMBERTYPE OF INSURANCELTR
INSR
DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required)

EXCESS LIAB
UMBRELLA LIAB $EACH OCCURRENCE
$AGGREGATE
$
OCCUR

CLAIMS-MADE
DED RETENTION $
$PRODUCTS - COMP/OP AGG
$GENERAL AGGREGATE
$PERSONAL & ADV INJURY
$MED EXP (Any one person)
$EACH OCCURRENCE

DAMAGE TO RENTED
$PREMISES (Ea occurrence)

COMMERCIAL GENERAL LIABILITY

CLAIMS-MADE OCCUR
GEN'L AGGREGATE LIMIT APPLIES PER:

POLICY PRO-

JECT LOC

CERTIFICATE OF LIABILITY INSURANCE

DATE (MM/DD/YYYY)

CANCELLATION

AUTHORIZED REPRESENTATIVE
ACORD 25 (2016/03)
© 1988-2015 ACORD CORPORATION. All rights reserved.

CERTIFICATE HOLDER
The ACORD name and logo are registered marks of ACORD
HIRED

AUTOS ONLY

Radius Earthwork, Inc
00004500
All Spectrum Insurance Brokers
25 Certificate of Liability Insurance
16 06 11.

ACORD 101 (2008/01)
The ACORD name and logo are registered marks of ACORD
© 2008 ACORD CORPORATION. All rights reserved.

THIS ADDITIONAL REMARKS FORM IS A SCHEDULE TO ACORD FORM, FORM NUMBER: FORM TITLE:

ADDITIONAL REMARKS
ADDITIONAL REMARKS SCHEDULE Page of
AGENCY CUSTOMER ID:

LOC #:

AGENCY

CARRIER NAIC CODE

POLICY NUMBER

NAMED INSURED
EFFECTIVE DATE:

ABCDEFGHIJ
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

NOTICE OF CANCELLATION TO CERTIFICATE HOLDER(S)
This policy is subject to the following additional If notice is mailed, proof of mailing to the last known Conditions: mailing address of the certificate holder(s) on file with A. If this policy is cancelled by the Company, other the agent of record or the Company will be sufficient than for nonpayment of premium, notice of such proof of notice. cancellation will be provided at least thirty (30) Any notification rights provided by this endorsement days in advance of the cancellation effective date apply only to active certificate holder(s) who were to the certificate holder(s) with mailing addresses issued a certificate of insurance applicable to this on file with the agent of record or the Company. policy's term.

B. If this policy is cancelled by the Company for Failure to provide such notice to the certificate nonpayment of premium, or by the insured, notice holder(s) will not amend or extend the date the of such cancellation will be provided within (10) cancellation becomes effective, nor will it negate days of the cancellation effective date to the cancellation of the policy. Failure to send notice shall certificate holder(s) with mailing addresses on file impose no liability of any kind upon the Company or itswith the agent of record or the Company. agents or representatives.

Form IH 03 13 06 11 Page 1 of 1
© 2011, The Hartford
POLICY NUMBER: 57UEABB6015, 57HHABB2622

POLICY NUMBER:

ABCDEFGHIJ
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

NOTICE OF CANCELLATION OR NONRENEWAL

TO DESIGNATED CERTIFICATE HOLDER

SCHEDULE
Number of Days Notice Name of Certificate Holder::

Part A: _________
Part B: _________ Mailing Address:

Part C: _________
Part D: _________
D.This policy is subject to the following additional If this policy is nonre newed by the Company, Conditions when a number of days are shown in the notice of such nonrenewalwill be provided to the Schedule for any of the above Parts. certificate holder in the Schedu le, at least the number of days in advance of the nonrenewal A. If this policy is cancelled by the Company, other effective date, as shown in Part D. than for nonpayment of premium, notice of such cancellation will be provided to the certificate If notice is mailed, pro of of mailing notice to the holder in the Schedule, at least the number of certificate holder’s mailing address as shown in days in advance of the cancellation effective date, the Schedule will be sufficient proof of notice. If as shown in Part A. the number of days notice in the Schedule for any Part is left blank or is shown as zero, no notice will B. If this policy is cancelled by the Company for be provided to the Scheduled certificate holder nonpayment of premium, notice of such under that Part.cancellation will be provided to the certificate holder in the Schedule within the number of days Any notification rights p rovided by this notice of the cancellation effective date, as shown endorsement apply on ly to active certificate in Part B. holder(s) who were issued a certificate of
insurance applicable to this policy’s term.C. If this policy is cancelled by the insured, notice of such cancellation will be provided to the certificate Failure to providesuch notice to the certificate holder in the Schedule, within the number of days holder(s) will not amendor extend the date the notice of the cancellation effective date, as shown cancellation becomes effective, nor will it negate in Part C. cancellation of the policy. Failure to send notice shall impose no liability of any kind upon the
Company or its agents or representatives.

Form IH 03 16 06 11 Page 1 of 1
© 2011, The Hartford
30 10
30 30
57 UEA BB6016

BLANKET AS REQUIRED BY WRITTEN CONTRACT

Page 12 of 21 ends

with respect to duties as such. That
representative will have all your rights and
duties under this Coverage Part.
e. Unnamed Subsidiary
Any subsidiary, and subsidiary thereof, of
yours which is a legally incorporated entity of
which you own a financial interest of more
than 50% of the voting stock on the effective
date of the Coverage Part.

The insurance afforded herein for any
subsidiary not named in this Coverage Part
as a named insured does not apply to injury
or damage with respect to which such insured
is also a named insured under another policy
or would be a named insured under such
policy but for its termination or the exhaustion
of its limits of insurance.

3. Newly Acquired Or Formed Organization
Any organization you newly acquire or form,
other than a partnership, joint venture or limited
liability company, and over which you maintain
financial interest of more than 50% of the voting
stock, 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
until the 180th day after you acquire or form
the organization or the end of the policy
period, whichever is earlier;
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.

4. Nonowned Watercraft
With respect to watercraft you do not own that is
less than 51 feet long and is not being used to
carry persons for a charge, any person is an
insured while operating such watercraft with your
permission. Any other person or organization
responsible for the conduct of such person is
also an insured, but only with respect to liability
arising out of the operation of the watercraft, and
only if no other insurance of any kind is available
to that person or organization for this liability.

However, no person or organization is an insured
with respect to:
a. "Bodily injury" to a co-"employee" of the
person operating the watercraft; or
b. "Property damage" to property owned by,
rented to, in the charge of or occupied by you
or the employer of any person who is an
insured under this provision.

5. Additional Insureds When Required By
Written Contract, Written Agreement Or
Permit
The following person(s) or organization(s) are an
additional insured when you have agreed, in a
written contract, written agreement or because of
a permit issued by a state or political subdivision,
that such person or organization be added as an
additional insured on your policy, provided the
injury or damage occurs subsequent to the
execution of the contract or agreement.

A person or organization is an additional insured
under this provision only for that period of time
required by the contract or agreement.

However, no such person or organization is an
insured under this provision if such person or
organization is included as an insured by an
endorsement issued by us and made a part of
this Coverage Part.
a. Vendors
Any person(s) or organization(s) (referred to
below as vendor), but only with respect to
"bodily injury" or "property damage" arising
out of "your products" which are distributed or
sold in the regular course of the vendor's
business and only if this Coverage Part
provides coverage for "bodily injury" or
"property damage" included within the
"products-completed operations hazard".
(1) The insurance afforded the vendor is
subject to the following additional
exclusions:

This insurance does not apply to:
(a) "Bodily injury" or "property damage" for
which the vendor is obligated to pay
damages by reason of the assumption
of liability in a contract or agreement.

This exclusion does not apply to
liability for damages that the vendor
would have in the absence of the
contract or agreement;
(b) Any express warranty unauthorized by
you;
(c) Any physical or chemical change in the
product made intentionally by the
vendor;
(d) Repackaging, except when 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;
(e) Any failure to make such inspections,
adjustments, tests or servicing as the
vendor has agreed to make or normally
POLICY NUMBER: 57UEABB6016

5.

HG 00 01 09 16 Page 13 of 21
undertakes to make in the usual
course of business, in connection with
the distribution or sale of the products;
(f) Demonstration, installation, servicing
or repair operations, except such
operations performed at the vendor's
premises in connection with the sale of
the product;
(g) Products which, 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 for the vendor; or
(h) "Bodily injury" or "property damage"
arising out of the sole negligence of the
vendor for its own acts or omissions or
those of its employees or anyone else
acting on its behalf. However, this
exclusion does not apply to:
(i) The exceptions contained in Sub-
paragraphs (d) or (f);o r
(ii) Such inspections, adjustments,
tests or servicing as the vendor has
agreed to make or normally
undertakes to make in the usual
course of business, in connection
with the distribution or sale of the
products.
(2) This insurance does not apply to any
insured person or organization, from
whom you have acquired such products,
or any ingredient, part or container,
entering into, accompanying or containing
such products.
b. Lessors Of Equipment
(1) Any person(s) or organization(s) from
whom you lease equipment; but only with
respect to their liability for "bodily injury",
"property damage" or "personal and
advertising injury" caused, in whole or in
part, by your maintenance, operation or
use of equipment leased to you by such
person(s) or organization(s).
(2) With respect to the insurance afforded to
these additional insureds this insurance
does not apply to any "occurrence" which
takes place after the equipment lease
expires.
c. Lessors Of Land Or Premises
Any person or organization from whom you
lease land or premises, but only with respect
to liability arising out of the ownership,
maintenance or use of that part of the land or
premises leased to you.

With respect to the insurance afforded these
additional insureds the following additional
exclusions apply:

This insurance does not apply to:

1. Any "occurrence" which takes place after
you cease to lease that land; or

2. Structural alterations, new construction or
demolition operations performed by or on
behalf of such person or organization.
d. Architects, Engineers Or Surveyors
Any architect, engineer, or surveyor, but only
with respect to liability for "bodily injury",
"property damage" or "personal and
advertising injury" caused, in whole or in part,
by your acts or omissions or the acts or
omissions of those acting on your behalf:
(1) In connection with your premises; or
(2) In the performance of your ongoing
operations performed by you or on your
behalf.

With respect to the insurance afforded these
additional insureds, the following additional
exclusion applies:

This insurance does not apply to "bodily
injury", "property damage" or "personal and
advertising injury" arising out of the rendering
of or the failure to render any professional
services by or for you, including:

1. The preparing, approving, or failing to
prepare or approve, maps, shop drawings,
opinions, reports, surveys, field orders,
change orders or drawings and
specifications; or

2. Supervisory, inspection, architectural or
engineering activities.

This exclusion applies even if the claims
against any insured allege negligence or
other wrongdoing in the supervision, hiring,
employment, training or monitoring of others
by that insured, if the "occurrence" which
caused the "bodily injury" or "property
damage", or the offense which caused the
"personal and advertising injury", involved the
rendering of or the failure to render any
professional services by or for you.
e. Permits Issued By State Or Political
Subdivisions
Any state or political subdivision, but only with
respect to operations performed by you or on
your behalf for which the state or political
subdivision has issued a permit.

With respect to the insurance afforded these
additional insureds, this insurance does not
apply to:
(1) "Bodily injury", "property damage" or
"personal and advertising injury" arising
out of operations performed for the state
or municipality; or

Page 14 of 21 ends

(2) "Bodily injury" or "property damage"
included within the "products-completed
operations hazard".
f. Any Other Party
Any other person or organization who is not
an additional insured under Paragraphsa.
through e. above, but only with respect to
liability for "bodily injury", "property damage"
or "personal and advertising injury" caused, in
whole or in part, by your acts or omissions or
the acts or omissions of those acting on your
behalf:
(1) In the performance of your ongoing
operations;
(2) In connection with your premises owned
by or rented to you; or
(3) In connection with "your work" and
included within the "products-completed
operations hazard", but only if
(a) The written contract or agreement
requires you to provide such coverage
to such additional insured; and
(b) This Coverage Part provides coverage
for "bodily injury" or "property damage"
included within the "products-
completed operations hazard".

However:
(1) The insurance afforded to such additional
insured only applies to the extent
permitted by law; and
(2) If coverage provided to the additional
insured is required by a contract or
agreement, the insurance afforded to such
additional insured will not be broader than
that which you are required by the contract
or agreement to provide for such
additional insured.

With respect to the insurance afforded to
these additional insureds, this insurance does
not apply to:
"Bodily injury", "property damage" or
"personal and advertising injury" arising out of
the rendering of, or the failure to render, any
professional architectural, engineering or
surveying services, including:
(1) The preparing, approving, or failing to
prepare or approve, maps, shop drawings,
opinions, reports, surveys, field orders,
change orders or drawings and
specifications; or
(2) Supervisory, inspection, architectural or
engineering activities.

The limits of insurance that apply to additional
insureds is described in SectionIII – Limits Of
Insurance.

How this insurance applies when other insurance
is available to the additional insured is described
in the Other Insurance Condition in SectionIV –
Commercial General Liability Conditions.

No person or organization is an insured with respect
to the conduct of any current or past partnership,
joint venture or limited liability company that is not
s h o w na saN a m e dI n s u r e di nt h eD e c l a r a t i o n s .

SECTION III – LIMITS OF INSURANCE

1. The Most We Will Pay
The Limits of Insurance shown in the
Declarations and the rules below fix the most we
will pay regardless of the number of:
a. Insureds;
b. Claims made or "suits" brought; or
c. Persons or organizations making claims or
bringing "suits".

2. General Aggregate Limit
The General Aggregate Limit is the most we will
pay for the sum of:
a. Medical expenses under CoverageC;
b. Damages under Coverage
A, except
damages because of "bodily injury" or
"property damage" included in the "products-
completed operations hazard"; and
c. Damages under CoverageB.

3. Products-Completed Operations Aggregate
Limit
The Products-Completed Operations Aggregate
Limit is the most we will pay under CoverageA
for damages because of "bodily injury" and
"property damage" included in the "products-
completed operations hazard".

4. Personal And Advertising Injury Limit
Subject to 2. above, the Personal and
Advertising Injury Limit is the most we will pay
under CoverageB for the sum of all damages
because of all "personal and advertising injury"
sustained by any one person or organization.

5. Each Occurrence Limit
Subject to2. or 3. above, whichever applies, the
Each Occurrence Limit is the most we will pay for
the sum of:
a. Damages under CoverageA; and
f.A n y O t h e r P a r ty

HG 00 01 09 16 Page 15 of 21
b. Medical expenses under CoverageC
because of all "bodily injury" and "property
damage" arising out of any one "occurrence".

6. Damage To Premises Rented To You Limit
Subject to5. above, the Damage To Premises
Rented To You Limit is the most we will pay
under Coverage A for damages because of
"property damage" to any one premises, while
rented to you, or in the case of damage by fire,
lightning or explosion, while rented to you or
temporarily occupied by you with permission of
the owner.

In the case of damage by fire, lightning or
explosion, the Damage to Premises Rented To
You Limit applies to all damage proximately
caused by the same event, whether such
damage results from fire, lightning or explosion
or any combination of these.

7. Medical Expense Limit
Subject to5. above, the Medical Expense Limit is
the most we will pay under CoverageC for all
medical expenses because of "bodily injury"
sustained by any one person.

8. How Limits Apply To Additional Insureds
If you have agreed in a written contract or written
agreement that another person or organization
be
added as an additional insured on your policy,
the most we will pay on behalf of such additional
insured is the lesser of:
a. The limits of insurance specified in the written
contract or written agreement; or
b. The Limits of Insurance shown in the
Declarations.

Such amount shall be a part of and not in
addition to Limits of Insurance shown in the
Declarations and described in this Section.

The Limits of Insurance of this Coverage Part apply
separately to each consecutive annual period and to
any remaining period of less than 12 months,
starting with the beginning of the policy period
shown in the Declarations, unless the policy period
is extended after issuance for an additional period of
less than 12 months. In that case, the additional
period will be deemed part of the last preceding
period for purposes of determining the Limits of
Insurance.

SECTION IV – COMMERCIAL GENERAL

LIABILITY CONDITIONS

1. Bankruptcy
Bankruptcy or insolvency of the insured or of the
insured's estate will not relieve us of our
obligations under this Coverage Part.

2. Duties In The Event Of Occurrence, Offense,
Claim Or Suit
a. Notice Of Occurrence Or Offense
You or any additional insured must see to it
that we are notified as soon as practicable of
an "occurrence" or an offense which may
result in a claim. To the extent possible,
notice should include:
(1) How, when and where the "occurrence" or
offense took place;
(2) The names and addresses of any injured
persons and witnesses; and
(3) The nature and location of any injury or
damage arising out of the "occurrence" or
offense.
b. Notice Of Claim
If a claim is made or "suit" is brought against
any insured, you or any additional insured
must:
(1) Immediately record the specifics of the
claim or "suit" and the date received; and
(2) Notify us as soon as practicable.

You or any additional insured must see to it
that we receive written notice of the claim or
"suit" as soon as practicable.
c. Assistance And Cooperation Of The
Insured
You and any other involved insured must:
(1) Immediately send us copies of any
demands, notices, summonses or legal
papers received in connection with the
claim or "suit";
(2) Authorize us to obtain records and other
information;
(3) Cooperate with us in the investigation or
settlement of the claim or defense against
the "suit"; and
(4) Assist us, upon our request, in the
enforcement of any right against any person
or organization which may be liable to the
insured because of injury or damage to
which this insurance may also apply.
d. Obligations At The Insureds Own Cost
No insured will, except at that insured's own
cost, voluntarily make a payment, assume
any obligation, or incur any expense, other
than for first aid, without our consent.
e. Additional Insureds Other Insurance
If we cover a claim or "suit" under this
Coverage Part that may also be covered by
other insurance available to an additional
insured, such additional insured must submit
such claim or "suit" to the other insurer for
defense and indemnity.

However, this provision does not apply to the
extent that you have agreed in a written
e. Additional Insureds Other Insurance

Page 16 of 21 ends

contract or written agreement that this
insurance is primary and non-contributory
with the additional insured's own insurance.
f. Knowledge Of An Occurrence, Offense,
Claim Or Suit
Paragraphs a. and b. apply to you or to any
additional insured only when such
"occurrence", offense, claim or "suit" is known
to:
(1) You or any additional insured that is an
individual;
(2) Any partner, if you or the additional
insured is a partnership;
(3) Any manager, if you or the additional
insured is a limited liability company;
(4) Any "executive officer" or insurance
manager, if you or the additional insured is
a corporation;
(5) Any trustee, if you or the additional
insured is a trust; or
(6) Any elected or appointed official, if you or
the additional insured is a political
subdivision or public entity.

This duty applies separately to you and any
additional insured.

3. Legal Action Against Us
No person or organization has a right under this
Coverage Part:
a. To join us as a party or otherwise bring us
into a "suit" asking for damages from an
insured; or
b. To sue us on this Coverage Part unless all of
its terms have been fully complied with.

A person or organization may sue us to recover
on an agreed settlement or on a final judgment
against an insured; but we will not be liable for
damages that are not payable under the terms of
this Coverage Part or
that are in excess of the applicable limit of
insurance. An agreed settlement means a
settlement and release of liability signed by us,
the insured and the claimant or the claimant's
legal representative.

4. Other Insurance
If other valid and collectible insurance is
available to the insured for a loss we cover under
Coverages A or B of this Coverage Part, our
obligations are limited as follows:
a. Primary Insurance
This insurance is primary except whenb.
below applies. If other insurance is also
primary, we will share with all that other
insurance by the method described inc.
below.
b. Excess Insurance
This insurance is excess over any of the other
insurance, whether primary, excess,
contingent or on any other basis:
(1) Your Work
That is Fire, Extended Coverage, Builder's
Risk, Installation Risk or similar coverage
for "your work";
(2) Premises Rented To You
That is fire, lightning or explosion
insurance for premises rented to you or
temporarily occupied by you with
permission of the owner;
(3) Tenant Liability
That is insurance purchased by you to
cover your liability as a tenant for
"property damage" to premises rented to
you or temporarily occupied by you with
permission of the owner;
(4) Aircraft, Auto Or Watercraft
If the loss arises out of the maintenance or
use of aircraft, "autos" or watercraft to the
extent not subject to Exclusion g. of
Section I – Coverage A – Bodily Injury
And Property Damage Liability;
(5) Property Damage To Borrowed
Equipment Or Use Of Elevators
If the loss arises out of "property damage"
to borrowed equipment or the use of
elevators to the extent not subject to
Exclusion j.
of SectionI - CoverageA -
Bodily Injury And Property Damage
Liability;
(6) When You Are Added As An Additional
Insured To Other Insurance
Any other insurance available to you
covering liability for damages arising out
of the premises or operations, or products
and completed operations, for which you
have been added as an additional insured
by that insurance; or
( 7 ) W h e nY o uA d dO t h e r sA sA n
Additional Insured To This Insurance
Any other insurance available to an
additional insured.

However, the following provisions apply to
other insurance available to any person or
organization who is an additional insured
under this coverage part.
(a) Primary Insurance When Required
By Contract
This insurance is primary if you have
agreed in a written contract or written
agreement that this insurance be
primary. If other insurance is also
)W h e nYou Add Others As An
Additional Insured To This Insurance
(a) Primary Insurance When Requiredy
By Contract

HG 00 01 09 16 Page 17 of 21
primary, we will share with all that
other insurance by the method
described inc. below.
(b) Primary And Non-Contributory To
Other Insurance When Required By
Contract
If you have agreed in a written
contract, written agreement, or permit
that this insurance is primary and non-
contributory with the additional
insured's own insurance, this insurance
is primary and we will not seek
contribution from that other insurance.

Paragraphs (a) and (b) do not apply to
other insurance to which the additional
insured has been added as an additional
insured.

When this insurance is excess, we will have
no duty under CoveragesA or B to defend
the insured against any "suit" if any other
insurer has a duty to defend the insured
against that "suit". If no other insurer defends,
we will undertake to do so, but we will be
entitled to the insured's rights against all
those other insurers.

When this insurance is excess over other
insurance, we will pay only our share of the
amount of the loss, if any, that exceeds the
sum of:
(1) The total amount that all such other
insurance would pay for the loss in the
absence of this insurance; and
(2) The total of all deductible and self-insured
amounts under all that other insurance.

We will share the remaining loss, if any, with
any other insurance that is not described in
this Excess Insurance provision and was not
bought specifically to apply in excess of the
Limits of Insurance shown in the Declarations
of this Coverage Part.
c. Method Of Sharing
If all of the other insurance permits
contribution by equal shares, we will follow
this method also. Under this approach each
insurer contributes equal amounts until it has
paid its applicable limit of insurance or none
of the loss remains, whichever comes first.

If any of the other insurance does not permit
contribution by equal shares, we will
contribute by limits. Under this method, each
insurer's share is based on the ratio of its
applicable limit of insurance to the total
applicable limits of insurance of all insurers.

5. Premium Audit
a. We will compute all premiums for this
Coverage Part in accordance with our rules
and rates.
b. Premium shown in this Coverage Part as
advance premium is a deposit premium only.

At the close of each audit period we will
compute the earned premium for that period
and send notice to the first Named Insured.

The due date for audit and retrospective
premiums is the date shown as the due date
on the bill. If the sum of the advance and
audit premiums paid for the policy period is
greater than the earned premium, we will
return the excess to the first Named Insured.
c. The first Named Insured must keep records of
the information we need for premium
computation, and send us copies at such
t i m e sa sw em a yr e q u e s t .

6. Representations
a. When You Accept This Policy
By accepting this policy, you agree:
(1) The statements in the Declarations are
accurate and complete;
(2) Those statements are based upon
representations you made to us; and
(3) We have issued this policy in reliance
upon your representations.
b. Unintentional Failure To Disclose Hazards
If unintentionally you should fail to disclose all
hazards relating to the conduct of your
business that exist at the inception date of
this Coverage Part, we shall not deny
coverage under this Coverage Part because
of such failure.

7. Separation Of Insureds
Except with respect to the Limits of Insurance,
and any rights or duties specifically assigned in
this Coverage Part to the first Named Insured,
this insurance applies:
a. As if each Named Insured were the only
Named Insured; and
b. Separately to each insured against whom
claim is made or "suit" is brought.

8. Transfer Of Rights Of Recovery Against
Others To Us
a. Transfer Of Rights Of Recovery
If the insured has rights to recover all or part
of any payment, including Supplementary
Payments, we have made under this
Coverage Part, those rights are transferred to
us. The insured must do nothing after loss to
) Primary And Non-Contributory Toyy
Other Insurance When Required By
Contract

Page 18 of 21 ends

impair them. At our request, the insured will
bring "suit" or transfer those rights to us and
help us enforce them.
b. Waiver Of Rights Of Recovery (Waiver Of
Subrogation)
If the insured has waived any rights of
recovery against any person or organization
for all or part of any payment, including
Supplementary Payments, we have made
under this Coverage Part, we also waive that
right, provided the insured waived their rights
of recovery against such person or
organization in a contract, agreement or
permit that was executed prior to the injury or
damage.

9. When We Do Not Renew
If we decide not to renew this Coverage Part, we
will mail or deliver to the first Named Insured
shown in the Declarations written notice of the
nonrenewal not less than 30 days before the
expiration date.

If notice is mailed, proof of mailing will be
sufficient proof of notice.

SECTION V – DEFINITIONS

1. "Advertisement"means the widespread public
dissemination of information or images that has
the purpose of inducing the sale of goods,
products or services through:
a. (1)Radio;
(2) Television;
(3) Billboard;
(4) Magazine;
(5) Newspaper; or
b. Any other publication that is given widespread
public distribution.

However, "advertisement" does not include:
a. The design, printed material, information or
images contained in, on or upon the
packaging or labeling of any goods or
products; or
b. An interactive conversation between or
among persons through a computer network.

2. "Advertising idea" means any idea for an
"advertisement".

3. "Asbestos hazard" means an exposure or
threat of exposure to the actual or alleged
properties of asbestos and includes the mere
presence of asbestos in any form.

4. "Auto"means:
a. A land motor vehicle, trailer or semitrailer
designed for travel on public roads, including
any attached machinery or equipment; or
b. Any other land vehicle that is subject to a
compulsory or financial responsibility law or
other motor vehicle insurance law where it is
licensed or principally garaged.

However, "auto" does not include "mobile
equipment".

5. "Bodily injury"means physical:
a. Injury;
b. Sickness; or
c. Disease
sustained by a person and, if arising out of the
above, mental anguish or death at any time.

6. "Coverage territory"means:
a. The United States of America (including its
territories and possessions), Puerto Rico and
Canada;
b. International waters or airspace, but only if
the injury or damage occurs in the course of
travel or transportation between any places
included ina. above; or
c. A l lo t h e rp a r t so ft h ew o r l di ft h ei n j u r yo r damage arises out of:
(1) Goods or products made or sold by you in
the territory described ina. above;
(2) The activities of a person whose home is
in the territory described in
a. above, but is
away for a short time on your business; or
(3) "Personal and advertising injury" offenses
that take place through the Internet or
similar electronic means of communication
provided the insured's responsibility to pay
damages is determined in the United States of
America (including its territories and possessions),
Puerto Rico or Canada, in a "suit" on the merits
according to the substantive law in such territory or
in a settlement we agree to.

7. "Employee" includes a "leased worker".
"Employee" does not include a "temporary
worker".

8. "Employment-Related Practices"means:
a. Refusal to employ that person;
b. Termination of that person's employment; or
c. Employment-related practices, policies, acts
or omissions, such as coercion, demotion,
evaluation, reassignment, discipline,
defamation, harassment, humiliation,
discrimination or malicious prosecution
directed at that person.

9. "Executive officer"means a person holding any
of the officer positions created by your charter,
constitution, by-laws or any other similar
governing document.

10."Hostile fire" means one which becomes
uncontrollable or breaks out from where it was
intended to be.
b. Waiver Of Rights Of Recovery (Waiver Ofg
Subrogation)

P a g e2o f6 Form HS 24 50 03 17
(2) Supervisory or inspection activities performed
as a part of any related architectural or
engineering activities.

This exclusion applies even if the claims against
any insured allege negligence or other
wrongdoing in the supervision, hiring,
employment, training or monitoring of others by
that insured, if the "occurrence" which caused the
"bodily injury" or "property damage", or the
offense which caused the "personal and
advertising injury", involved the rendering of or
failure to render any professional services by you
with respect to your providing engineering,
architectural or surveying services in your
capacity as an engineer, architect or surveyor.

This exclusion does not apply to your operations
in connection with construction work performed by
y o uo ro ny o u rb e h a l f .

However, this exception to the exclusion will not
apply if you are in the business or profession of
providing the professional services described
above independent from the construction work
performed by you or on your behalf.

In the event this insurance applies to any injury,
damage, loss, cost or expense covered by
Professional Liability insurance issued by a
company unaffiliated with us, then the insurance
afforded under this Coverage Part is excess over
such other valid and collectible Professional
Liability insurance (including any deductible or
self-insured retention portion thereof), and any
other valid and collectible insurance available to
the insured whether primary, excess, contingent
or on any other basis.
4 . P E RP R O J E C TA N DP E RL O C A T I O N

GENERAL AGGREGATE LIMITS OF

INSURANCE
A. For all sums which the insured becomes
legally obligated to pay as damages caused
by "occurrences" underSection I - Coverage
A, and for all medical expenses caused by
accidents under Section I - Coverage C,
which can be attributed only to ongoing
operations at a single "project" or a single
"location";

1. A separate Per Project General
Aggregate Limit or a separate Per
Location General Aggregate Limit applies
to each "project" or "location", whichever
is applicable. The Per Project General
Aggregate Limit and Per Location
Aggregate Limit is equal to the amount of
the General Aggregate Limit shown in the
Declarations.

2. The Per Project General Aggregate Limit
or the Per Location General Aggregate
Limit, whichever applies, is the most we
will pay for the sum of all damages under
Coverage A.except damages because of
"bodily injury" or "property damage"
included in the "products-completed
operations hazard", and for medical
expenses underCoverage Cregardless
of the number of;
a. Insureds;
b. Claims made or "suits" brought; or
c. Persons or organizations making
claims or bringing "suits".

3. Any payments made underCoverage A
for damages or underCoverage C for
medical expenses shall reduce the Per
Project General Aggregate Limit for that
"project" or the Per Location General
Aggregate for that "location", whichever
applies. Such payments shall not reduce
the General Aggregate Limit shown in the
Declarations, the Per Project General
Aggregate Limit for any other "project", or
the Per Location General Aggregate Limit
for any other "location".

4. The limits shown in the Declarations for
Each Occurrence, Damage To Premises
Rented To You and Medical Expense
continue to apply. However, instead of
being subject to the General Aggregate
Limit shown in the Declarations, such
limits will be subject to the applicable Per
Project General Aggregate Limit if
attributable only to ongoing operations at
a single "project" or the Per Location
General Aggregate if attributable only to
ongoing operations at a single "location".

B. For all sums which the insured becomes
legally obligated to pay as damages caused
by "occurrences" underSection I - Coverage
A and for all medical expenses caused by
accidents under Section I - Coverage C,
which cannot be attributed only to ongoing
operations at a single "project" or a single
"location";

1. Any payments made underCoverage A
for damages or underCoverage C for
medical expenses shall reduce the
amount available under the General
Aggregate Limit or the Products-
Completed Operations Aggregate Limit,
whichever is applicable; and

2. Such payments shall not reduce any Per
Project General Aggregate Limit or any
Per Location General Aggregate Limit.

C. When coverage for liability arising out of the
"products-completed operations hazard" is
provided, any payments for damages because
of "bodily injury" or "property damage"
included in the "products-completed
operations hazard" will reduce the Products-

4. PER PROJECT AND PER LOCATION

GENERAL AGGREGATE LIMITS OF

INSURANCE
POLICY NUMBER: 57UEABB6016

Form HS 24 50 03 17 P a g e3o f6
Completed Operations Aggregate Limit, and
not reduce the General Aggregate Limit,or
any Per Project General Aggregate Limit or
any Per Location General Aggregate Limit.

D. The provisions ofSection III - Limits Of
Insurance not otherwise modified by this
endorsement shall continue to apply as
stipulated.

E. For the purposes of Paragraph 4, the
following definitions apply:
"Project" means a premises an insured does
not own or rent and where such insured
performs construction-related operations.

E a c h" p r o j e c t "i n v o l v i n gt h es a m eo r connecting lots, or premises whose
connection is separated by a street, roadway,
waterway or right-of-wayrailroad shall be
considered a single "project". If a "project" has
been abandoned and then restarted, or if the
authorized contracting parties deviate from
plans, blueprints, designs, specifications or
timetables, the "project" shall be considered a
single "project". "Project" does not include a
premises that is a "location".
"Location" means a premises an insured owns
or rents and where such insured performs
business operations other than construction-
related operations. Each "location" involving
the same or connecting lots, or premises
whose connection is separated by a street,
roadway, waterway or right-of-way railroad
shall be considered a single "location."
"Location" does not include a premises that is
a "project".

This provision does not apply if the Per Project and
the Per Location General Aggregate Limit has been
otherwise modified by endorsement.

5. MEDICAL PAYMENTS COVERAGE –

INCLUDING PRODUCTS-COMPLETED

OPERATIONS
Paragraph 1.a. of the Insuring Agreement –
Coverage Cis replaced by the following:

1. Insuring Agreement
a. We will pay medical expenses as
described below for "bodily injury" caused
by an accident:
(1) On premises you own or rent;
(2) On ways next to premises you own or
rent;
(3) Because of your operations; or
(4) Included within the definition of the
"products-completed operations
hazard;"
provided that:
(1) The accident takes place in the
"coverage territory" and during the
policy period;
(2) The expenses are incurred and
reported to us within three years of
the date of the accident; and
(3) The injured person submits to
examination, at our expense, by
physicians of our choice as often as
we reasonably require.

6. INJURY TO EMPLOYEE'S REPUTATION WITH

RESPECT TO INCIDENTAL MEDICAL

MALPRACTICE
A. The following is added to paragraph1.e. of
the Insuring Agreement– Coverage A:
(3) With respect to incidental medical
malpractice, "bodily injury" includes
damages claimed for injury to emotions or
reputation of an "employee" arising out of
the rendering or failure to render
professional health care services as a
physician, dentist, nurse, emergency
medical technician or paramedic services.

B. The following exclusion is added toCoverage
B - Personal and Advertising Injury:
"Personal and advertising injury arising out of
the rendering or failure to render professional
health care services as a physician, dentist,
nurse, emergency medical technician or
paramedic.

7. BODILY INJURY EMPLOYEE SUITS
A. "Bodily injury" as listed in paragraph2.a.(1) of
Section II - Who Is An Insured,does not
apply to2.a.(1)(a) through 2.a.(1)(c).

B. Part a. of Paragraph 4. Nonowned
Watercraft in S e c t i o nI I-W h oI sA nI n s u r e d does not apply.

8. CONSOLIDATED INSURANCE (WRAP-UP)

PROGRAMS
The following exclusion is added toSection I
Coverage A:

This insurance does not apply to any "bodily injury"
or "property damage" arising out of any “wrap
project or premises” where an insured under this
policy is also an insured under a commercial general
liability (CGL) policy included within a "consolidated
insurance (wrap-up) program." This exclusion
applies even if the limits of insurance for such
"consolidated insurance (wrap-up) program" are
exhausted or not collected for any reason, including
bankruptcy or insolvency of the insurer providing
coverage for the “consolidated insurance (wrap-up)
program”. This exclusion also applies if the CGL
coverage afforded under the "consolidated
insurance (wrap-up) program" is narrower in scope
than the coverage provided by this policy.

Form HS 24 50 03 17 P a g e5o f6
B. The following is added to Paragraph 2.

Exclusions of Section I – Coverage B –
Personal and Advertising Injury :

2. Exclusion
This insurance does not apply to:

Access Or Disclosure Of Confidential
Or Personal Information
"Personal and advertising injury" arising
out of any access to or disclosure of any
person’s or organization’s confidential or
personal information, including patents,
trade secrets, processing methods,
customer lists, financial information, credit
card information, health information or
any other type of nonpublic information.

This exclusion applies even if damages
are claimed for notification costs, credit
monitoring expenses, forensic expenses,
public relations expenses or any other
loss, cost or expense incurred by you or
others arising out of any access to or
disclosure of any person’s or
organization’s confidential or personal
information.

C. The following paragraph is added toSection
III – Limits Of Insurance:

Subject to Paragraph5. Each Occurrence
Limit, the most we will pay underCoverage
A for "property damage" because of all loss of
"electronic data" arising out of any one
"occurrence" is $100,000, unless modified by
endorsement.

D. The following definition is added toSection V
- Definitions:
"Electronic data" means information, facts or
programs:
a. Stored as or on;
b. C r e a t e do ru s e do n ;o r
c. Transmitted to or from;
computer software, (including systems and
applications software) hard or floppy disks,
CD-ROMS, tapes, drives, cells, data
processing devices or any other media which
are used with electronically controlled
equipment.

E. For the purposes of the coverage provided by
this provision, the definition of "property
damage" in Section V - Definitions is
replaced by the following:
"Property damage" means:
a. Physical injury to tangible property,
including all resulting loss of use of that
property. All such loss of use shall be
deemed to occur at the time of the
physical injury that caused it;
b. Loss of use of tangible property that is not
physically injured. All such loss of use
shall be deemed to occur at the time of
the "occurrence" that caused it; or
c. Loss of, loss of use of, damage to,
corruption of, inability to access, or
inability to properly manipulate "electronic
data", resulting from physical injury to
tangible property. All such loss of
"electronic data" shall be deemed to occur
at the time of the "occurrence" that
caused it.

For the purposes of this insurance, "electronic
data" is not tangible property.

10. SUPPLEMENTARY PAYMENTS
In theSupplementary Payments – Coverages A
and Bprovision:

The limit for the cost of bail bonds is increased to
$2,500.

11. TWO OR MORE COVERAGE PARTS OR

POLICIES ISSUED BY US
If this policy and any other policy issued to an
insured by us or any affiliated company provides
coverage that applies to the same claim or
damages, the maximum applicable limit(s) of
liability or limit of insurance under all the policies
will not exceed the highest applicable limit of
liability or limit of insurance under any one policy.

This condition does not apply to any policy issued
by us or an affiliated company specifically written
to apply as excess insurance over this policy.

12. NOTICE OF CANCELLATION TO CERTIFICATE

HOLDER(S)
This policy is subject to the following additional
Conditions:

A. If this policy is cancelled by the Company,
other than for nonpayment of premium, notice
of such cancellation will be provided at least
thirty (30) days in advance of the cancellation
effective date to the certificate holder(s) with
mailing addresses on file with the agent of
record or the Company.

B. If this policy is cancelled by the Company for
nonpayment of premium, or by the insured,
notice of such cancellation will be provided
within (10) days of the cancellation effective
date to the certificate holder(s) with mailing
addresses on file with the agent of record or
the Company.

If notice is mailed, proof of mailing to the last
known mailing address of the certificate holder(s)
on file with the agent of record or the Company
will be sufficient proof of notice.

Any notification rights provided by this
endorsement apply only to active certificate

NOTICE OF CANCELLATION TO CERTIFICATE

HOLDER(S)

P a g e6o f6 Form HS 24 50 03 17
holder(s) who were issued a certificate of
insurance applicable to this policy's term.

F a i l u r et op r o v i d es u c hn o t i c et ot h ec e r t i f i c a t e holder(s) will not amend or extend the date the
cancellation becomes effective, nor will it negate
cancellation of the policy. Failure to send notice
shall impose no liability of any kind upon the
Company or its agents or representatives.

13. CONTRACTUAL LIABILITY COVERAGE FOR

PERSONAL AND ADVERTISING INJURY
Exclusion e.o fSECTION I – COVERAGE B

PERSONAL AND ADVERTISING INJURY
LIABILITY is replaced by the following:

This insurance does not apply to:
e. Contractual Liability
"Personal and advertising injury" for which the
insured has assumed liability in a contract or
agreement. This exclusion does not apply to
liability for damages:
(1) That the insured would have in the
absence of the contract or agreement; or
(2) Assumed in a contract or agreement that
is an "insured contract", provided the
"personal and advertising injury" occurs
subsequent to the execution of the
contract or agreement. Solely for the
purposes of liability assumed in an
"insured contract", reasonable attorney
fees and necessary litigation expenses
incurred by or for a party other than an
insured are deemed to be damages
because of "personal and advertising
injury", provided:
(a) Liability to such party for, or for the
cost of, that party's defense has also
been assumed in the same "insured
contract"; and
(b) Such attorney fees and litigation
expenses are for defense of that party
against a civil or alternative dispute
resolution proceeding in which
damages to which this insurance
applies are alleged.

14. INSURED CONTRACT DEFINITION
a. INSURED CONTRACT–

CONSTRUCTION OPERATIONS AND

MUNICIPAL WORK
Paragraph d. of the definition of ''insured
contract'' in Section V - Definitions is
deleted and replaced by the following:

An obligation, as required by ordinance,
to indemnify a municipality.
b. CONTRACTUAL LIABILITY
Paragraph f. of the definition of “insured
contract” is deleted and replaced by the
following:

That part of any other contract or
agreement pertaining to your business
(including an indemnification of a
municipality in connection with work
performed for a municipality) under which
you assume the tort liability of another
party to pay for "bodily injury", "property
damage", or "personal and advertising
injury" to a third person or organization.

Tort liability means a liability that would be
imposed by law in the absence of any
contract or agreement.

Paragraph f. includes that part of any
contract or agreement that indemnifies a
railroad for "bodily injury", "property
damage", or "personal and advertising
injury" arising out of construction or
demolition operations, within 50 feet of
any railroad property and affecting any
railroad bridge or trestle, tracks, road-
beds, tunnel, underpass or crossing.

However, Paragraphf. does not include
that part of any contract or agreement:
(1) That indemnifies an architect,
engineer or surveyor for injury or
damage arising out of:
(a) Preparing, approving, or failing to
prepare or approve, maps, shop
drawings, opinions, reports,
surveys, field orders, change
orders or drawings and
specifications; or
(b) Giving directions or instructions,
or failing to give them, if that is
the primary cause of the injury or
damage; or
(2) Under which the insured, if an
architect, engineer or surveyor,
assumes liability for an injury or
damage arising out of the insured's
rendering or failure to render
professional services, including those
listed in(1) above and supervisory,
inspection, architectural or
engineering activities.

All other terms and conditions in the policy remain
unchanged.

Radius Earthwork, Inc.

Endorsement Number: 2
ECC-319-0712
Automatic Additional Insured – Owners, Lessees or Contractors This endorsement, effective 7/29/2023 attaches to and forms a part of Policy Number FEI-ECC-28537-02. This endorsement changes the Policy. Please read it carefully.

In consideration of an additional premium of $Applied, this endorsement modifies insurance provided under the following:

CONTRACTORS POLLUTION LIABILITY COVERAGE PART

SCHEDULE
Name of Person or Organization:

Any person(s) or organization(s) whom the Named Insured agrees, in a written contract, to name as an additional insured. However, this status exists only for the project specified in that contract.

The person or organization shown in this Schedule is included as an insured, but only with respect to that person’s or organization’s vicarious liability arising out of your ongoing operations performed for that insured.

Radius Earthwork, Inc.

Endorsement Number: 12
ECC-406B-0712
Additional Insured Endorsement– CPL
This endorsement, effective /g26/g18/g21/g28/g18/g21/g19/g213 attaches to and forms a part of Policy Number FEI-ECC-28537-02. This endorsement changes the Policy. Please read it carefully.

This endorsement modifies insurance provided under the following:

CONTRACTORS POLLUTION LIABILITY COVERAGE PART

SCHEDULE
Name of Person or Organization:

Any person(s) or organization(s) whom the Named Insured agrees, in a written contract, to name as an additional insured. However, this status exists only for the project specified in that contract.

Location And Description of Completed Operations:

Those project locations where this endorsement is required by contract.

Additional Premium: $Applied
(If no entry appears above, information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement.) The term insured is amended to include as an additional insured the person(s) or organization shown in the Schedule, but only with respect to liability for “bodily injury” or “property damage” caused, in whole or in part, by “your work” at the location designated and described in the schedule of this endorsement performed for that additional insured.

Radius Earthwork, Inc.

Endorsement Number: 4
ECC-320-0712
Automatic Waiver of Subrogation Endorsement
This endorsement, effective /g26/g18/g21/g28/g18/g21/g19/g213 attaches to and forms a part of Policy Number FEI-ECC-28537-02. This endorsement changes the Policy. Please read it carefully.

This endorsement modifies insurance provided under the following:

CONTRACTORS POLLUTION LIABILITY COVERAGE PART

SCHEDULE
Name of Person or Organization:

Any person(s) or organization(s) to whom the Named Insured agrees, in a written contract, to provide a waiver of subrogation. However, this status exists only for the project specified in that contract.

The Company waives any right of recovery it may have against the person or organization shown in the above Schedule because of payments the Company makes for injury or damage arising out of the insured’s work done under a contract with that person or organization. The waiver applies only to the person or organization in the above Schedule.

Under no circumstances shall this endorsement act to extend the policy period, change the scope of coverage or increase the Aggregate Limits of Insurance shown in the Declarations.

Radius Earthwork, Inc.

Endorsement Number: 14
ECC-548-0317
Automatic Primary and Non-Contributory
Insurance Endorsement
Designated Work Or Project(s)
This endorsement, effective /g26/g18/g21/g28/g18/g21/g19/g213 attaches to and forms a part of Policy Number FEI-ECC-28537-02. This endorsement changes the Policy. Please read it carefully.

This endorsement modifies insurance provided under the Coverage Part(s) indicated below:

CONTRACTORS POLLUTION LIABILITY COVERAGE

SCHEDULE
Name of Person or Organization:

Any person(s) or organization(s) whom the Named Insured agrees, in a written contract, to provide Primary and/or Non-contributory status of this insurance.

However, this status exists only for the project specified in that contract.

In consideration of an additional premium of $Applied and notwithstanding anything contained in this policy to the contrary, it is hereby agreed that this policy shall be considered primary to any similar insurance held by third parties in respect to work performed by you under any written contractual agreement with such third party. It is further agreed that any other insurance which the person(s) or organization(s) named in the schedule may have is excess and non- contributory to this insurance.

COMMERCIAL AUTOMOBILE
HA 99 16 12 21
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

Form HA 99 16 12 21 Page 1 of 5
© 2021, The Hartford
(Includes copyrighted material of Insurance Services Office, Inc. with its permission.)

COMMERCIAL AUTOMOBILE BROAD FORM

ENDORSEMENT
This endorsement modifies insurance provided under the following:

BUSINESS AUTO COVERAGE FORM
To the extent that the provisions of this endorsement provide b roader benefits to the "insured" than other provisions of the Coverage Form, the provisions of this endorsement apply.

1. BROAD FORM INSURED
Paragraph .1. - WHO IS AN INSURED - of
Section II - Liability Coverage is amended to
add the following:
d. Subsidiaries and Newly Acquired or
Formed Organizations
The Named Insured shown in the
Declarations is amended to include:
(1) Any legal business entity other than a
partnership or joint venture, formed as a
subsidiary in which you have an
ownership interest of more than 50% on
the effective date of the Coverage Form.

However, the Named Insured does not
include any subsidiary that is an
"insured" under any other automobile
policy or would be an "insured" under
s u c h a p o l i c y b u t f o r i t s t e r m i n a t i o n o r the exhaustion of its Limit of Insurance.
(2) Any organization that is acquired or
f o r m e d b y y o u a n d o v e r w h i c h y o u maintain majority ownership. However,
the Named Insured does not include any
newly formed or acquired organization:
( a ) T h a t i s a p a r t n e r s h i p o r j o i n t venture,
(b) That is an "insured" under any other
policy,
(c) That has exhausted its Limit of
Insurance under any other policy, or
(d) 180 days or more after its
acquisition or formation by you,
unless you have given us notice of
the acquisition or formation.

Coverage does not apply to "bodily
injury" or "property damage" that results
from an "accident" that occurred before
you formed or acquired the organization.
e. Employees as Insureds
( 1 ) . A n y " e m p l o y e e " o f y o u r s w h i l e u s i n g a covered "auto" you don't own, hire or
borrow in your business or your
personal affairs.
f. Lessors as Insureds
(1). The lessor of a covered "auto" while the
"auto" is leased to you under a written
agreement if:
(a) The agreement requires you to
provide direct primary insurance for
the lessor and
(b) The "auto" is leased without a
driver.

Such a leased "auto" will be considered a
covered "auto" you own and not a covered
"auto" you hire.
g. Additional Insured if Required by Contract
(1) When you have agreed, in a written
contract or written agreement, that a
person or organization be added as an
additional insured on your business auto
policy, such person or organization is an
"insured", but only to the extent such
person or organization is liable for
"bodily injury" or "property damage"
caused by the conduct of an "insured"
under paragraphs a. or b. of Who Is An
Insured with regard to the ownership,
maintenance or use of a covered "auto."
The insurance afforded to any such
additional insured applies only if the
"bodily injury" or "property damage"
occurs:
(a) During the policy period, and
(b) Subsequent to the execution of such
written contract, and
Policy: 57UEABB6015
g.

Page 2 of 5 ends

(c) Prior to the expiration of the period
o f t i m e t h a t t h e w r i t t e n c o n t r a c t requires such insurance be provided
to the additional insured.
(2) How Limits Apply
If you have agreed in a written contract
or written agreement that another
person or organization be added as an
additional insured on your policy, the
most we will pay on behalf of such
additional insured is the lesser of:
(a) The limits of insurance specified in
the written contract or written
agreement; or
(b) The Limits of Insurance shown in
the Declarations.

Such amount shall be a part of and not
in addition to Limits of Insurance shown
in the Declarations and described in this
Section.
(3) Additional Insureds Other Insurance
If we cover a claim or "suit" under this
Coverage Part that may also be covered
by other insurance available to an
additional insured, such additional
insured must submit such claim or "suit"
t o t h e o t h e r i n s u r e r f o r d e f e n s e a n d indemnity.

However, this provision does not apply
to the extent that you have agreed in a
written contract or written agreement
that this insurance is primary and non-
contributory with the additional insured's
own insurance.
(4) Duties in The Event Of Accident, Claim,
Suit or Loss
If you have agreed in a written contract
or written agreement that another
person or organization be added as an
additional insured on your policy, the
additional insured shall be required to
comply with the provisions in LOSS
CONDITIONS 2. - DUTIES IN THE

EVENT OF ACCIDENT, CLAIM , SUIT
O R L O S S – O F S E C T I O N I V –
BUSINESS AUTO CONDITIONS, in the
same manner as the Named Insured.

2. Primary and Non-Contributory if
Required by Contract
Only with respect to insurance provided to
an additional insured in A.1.g. - Additional
Insured If Required by Contract, the
following provisions apply:
(1) Primary Insurance When Required By
Contract
This insurance is primary if you have
agreed in a written contract or written
agreement that this insurance be
primary. If other insurance is also
primary, we will share with all that other
insurance by the method described in
Other Insurance 5.d.
(2} Primary And Non-Contributory To Other
Insurance When Required By Contract
If you have agreed in a written contract
or written agreement that this insurance
is primary and non-contributory with the
additional insured's own insurance, this
insurance is primary and we will not
seek contribution from that other
insurance.

Paragraphs (1) and (2) do not apply to other
insurance to which the additional insured
has been added as an additional insured.

When this insurance is excess, we will have
no duty to defend the insured against any
"suit" if any other insurer has a duty to
d e f e n d th e i n s u r e d a g a i n s t t h a t " s u i t " . I f n o other insurer defends, we will undertake to
do so, but we will be entitled to the insured's
rights against all those other insurers.

We will share the remaining loss, if any, by
the method described in SECTION IV-
Business Auto Conditions, B. General
Conditions, Other Insurance 5.d.

3. AUTOS RENTED BY EMPLOYEES
Any "auto" hired or rented by your "employee"
on your behalf and at your direction will be
considered an "auto" you hire.

The SECTION IV- Business Auto Conditions, B.

General Conditions, 5. OTHER INSURANCE
Condition is amended by adding the following:
e. If an "employee’s" personal insurance also
applies on an excess basis to a covered
"auto" hired or rented by your "employee" on
your behalf and at your direction, this
insurance will be primary to the
"employee’s" personal insurance.

2.

Form HA 99 16 12 21 Page 3 of 5

4. AMENDED FELLOW EMPLOYEE EXCLUSION
EXCLUSION 5. - FELLOW EMPLOYEE - of
SECTION II - LIABILITY COVERAGE does not
apply if you have workers' compensation
insurance in-force covering all of your
"employees".

Coverage is excess over any other collectible
insurance.

5. HIRED AUTO PHYSICAL DAMAGE COVERAGE
If hired "autos" are covered "autos" for Liability
Coverage and if Comprehensive, Specified
Causes of Loss, or Collision coverages are
provided under this Coverage Form for any
"auto" you own, then the Physical Damage
Coverages provided are extended to "autos" you
hire or borrow, subject to the following limit.

The most we will pay for "loss" to any hired
"auto" is:
(1) $100,000;
(2) The actual cash value of the damaged or
stolen property at the time of the "loss"; or
(3) The cost of repairing or replacing the
damaged or stolen property,
whichever is smallest, minus a deductible. The
deductible will be equal to the largest deductible
applicable to any owned "auto" for that
coverage. No deductible applies to "loss"
caused by fire or lightning. Hired Auto Physical
Damage coverage is excess over any other
collectible insurance. Subject to the above limit,
deductible and excess provisions, we will
provide coverage equal to the broadest
coverage applicable to any covered "auto" you
own.

We will also cover loss of use of the hired "auto"
if it results from an "accident", you are legally
liable and the lessor incurs an actual financial
l o s s , s u b j e c t t o a m a x i m u m o f $ 1 0 0 0 p e r "accident".

This extension of coverage does not apply to
any "auto" you hire or borrow from any of your
"employees", partners (if you are a partnership),
members (if you are a limited liability company),
or members of their households.

6. PHYSICAL DAMAGE - ADDITIONAL

TEMPORARY TRANSPORTATION EXPENSE

COVERAGE
Paragraph A.4.a. of SECTION III - PHYSICAL
DAMAGE COVERAGE is amended to provide a
limit of $50 per day and a maximum limit of
$1,000.

7. LOAN/LEASE GAP COVERAGE
Under SECTION III - PHYSICAL DAMAGE
COVERAGE, in the event of a total "loss" to a
covered "auto", we will pay your additional legal
obligation for any difference between the actual
cash value of the "auto" at the time of the "loss"
and the "outstanding balance" of the loan/lease.
"Outstanding balance" means the amount you
owe on the loan/lease at the time of "loss" less
any amounts representing taxes; overdue
payments; penalties, interest or charges
resulting from overdue payments; additional
mileage charges; excess wear and tear charges;
lease termination fees; security deposits not
returned by the lessor; costs for extended
warranties, credit life Insurance, health, accident
or disability insurance purchased with the loan
or lease; and carry-over balances from previous
loans or leases.

8. AIRBAG COVERAGE
Under Paragraph B. EXCLUSIONS - of

S E C T I O N I I I - P H Y S I C A L D A M A G E
COVERAGE, the following is added:

The exclusion relating to mechanical breakdown
does not apply to the accidental discharge of an
airbag.

9. ELECTRONIC EQUIPMENT - BROADENED

COVERAGE
a. The exceptions to Paragraphs B.4 -
EXCLUSIONS - of SECTION III - PHYSICAL
DAMAGE COVERAGE are replaced by the
following:

Exclusions 4.c. a n d 4.d. do not apply to
equipment designed to be operated solely by
use of the power from the "auto's" electrical
system that, at the time of "loss", is:
(1) Permanently installed in or upon the
covered "auto";
(2) Removable from a housing unit which is
permanently installed in or upon the
covered "auto";
(3) An integral part of the same unit housing
any electronic equipment described in
Paragraphs (1) and (2) above; or
(4) Necessary for the normal operation of the
covered "auto" or the monitoring of the
covered "auto's" operating system.
b. Section III, Physical Damage Coverage,
Limit of Insurance, Paragraph C.2. is
amended to add the following:
$1,500 is the most we will pay for "loss" in
any one "accident" to all electronic
equipment (other than equipment designed
solely for the reproduction of sound, and
accessories used with such equipment) that
reproduces, receives or transmits audio,
v i s u a l o r d a t a s i g n a l s w h i c h , a t t h e t i m e o f "loss", is:

Page 4 of 5 ends

(1) Permanently installed in or upon the
covered "auto" in a housing, opening or
other location that is not normally used
by the "auto" manufacturer for the
installation of such equipment;
(2) Removable from a permanently installed
housing unit as described in Paragraph

2.a. above or is an integral part of that
equipment; or
(3) An integral part of such equipment.
c. For each covered "auto", should loss be
limited to electronic equipment only, our
obligation to pay for, repair, return or replace
damaged or stolen electronic equipment will
be reduced by the applicable deductible
shown in the Declarations, or $250,
whichever deductible is less.

10. EXTRA EXPENSE - BROADENED

COVERAGE
Under Paragraph A. - COVERAGE - of SECTION
I I I - P H Y S I C A L D A M A G E C O V E R A G E , w e w i l l pay for the expense of returning a stolen covered
"auto" to you.

11. GLASS REPAIR - WAIVER OF DEDUCTIBLE
Under Paragraph D. - DEDUCTIBLE - of

SECTION III - PHYSICAL DAMAGE COVERAGE,
the following is added:

No deductible applies to glass damage if the
glass is repaired rather than replaced.

12. TWO OR MORE DEDUCTIBLES
Under Paragraph D. - DEDUCTIBLE - of

SECTION III - PHYSICAL DAMAGE COVERAGE,
the following is added:

If another Hartford Financial Services Group,
Inc. company policy or coverage form that is not
an automobile policy or coverage form applies to
the same "accident", the following applies:
(1) If the deductible under this Business Auto
C o v e r a g e F o r m i s t h e s m a l l e r ( o r s m a l l e s t ) deductible, it will be waived;
(2) If the deductible under this Business Auto
Coverage Form is not the smaller (or
smallest) deductible, it will be reduced by
the amount of the smaller (or smallest)
deductible.

13. AMENDED DUTIES IN THE EVENT OF

ACCIDENT, CLAIM, SUIT OR LOSS
The requirement in LOSS CONDITIONS 2.a. -

DUTIES IN THE EVENT OF ACCIDENT,
CLAIM, SUIT OR LOSS - of SECTION IV -
BUSINESS AUTO CONDITIONS that you must
notify us of an "accident" applies only when the
"accident" is known to:
(1) You, if you are an individual;
(2) A partner, if you are a partnership;
( 3 ) A m e m b e r , i f y o u a r e a l i m i t e d l i a b i l i t y company; or
(4) An executive officer or insurance manager, if
you are a corporation.

14. UNINTENTIONAL FAILURE TO DISCLOSE

HAZARDS
If you unintentionally fail to disclose any hazards
existing at the inception date of your policy, we
will not deny coverage under this Coverage
Form because of such failure.

15. HIRED AUTO - COVERAGE TERRITORY

SECTION IV, BUSINESS AUTO CONDITIONS,
PARAGRAPH B. GENERAL CONDITIONS, 7. -

POLICY PERIOD, COVERAGE TERRITORY -
is added to include the following:
(6) For short-term hired "autos", the coverage
territory with respect to Liability Coverage is
anywhere in the world provided that if the
"insured's" responsibility to pay damages for
"bodily injury" or "property damage" is
determined in a "suit," the "suit" is brought in
the United States of America, the territories
and possessions of the United States of
America, Puerto Rico or Canada or in a
settlement we agree to.

16. WAIVER OF SUBROGATION
Paragraph 5. TRANSFER OF RIGHTS OF
RECOVERY AGAINST OTHERS TO US - of

SECTION IV - BUSINESS AUTO CONDITIONS
A. Loss Conditions is amended by adding the
following:

W e w a i v e a n y r i g h t o f r e c o v e r y w e m a y h a v e against any person or organization with whom
you have a written contract that requires such
waiver because of payments we make for
damages under this Coverage Form.

17. RESULTANT MENTAL ANGUISH COVERAGE
The definition of "bodily injury" in SECTION V-
DEFINITIONS, C. is replaced by the following:
"Bodily injury" means bodily injury, sickness or
disease sustained by any person, including
mental anguish or death resulting from any of
these.

18. EXTENDED CANCELLATION CONDITION
Paragraph 2. of the COMMON POLICY
CONDITIONS - CANCELLATION - applies
except as follows:

I f w e c a n c e l f o r a n y r e a s o n o t h e r t h a n nonpayment of premium, we will mail or deliver
to the first Named Insured written notice of
cancellation at least 60 days before the effective
date of cancellation.

16.

Form HA 99 16 12 21 Page 5 of 5

19. HYBRID, ELECTRIC, OR NATURAL GAS

VEHICLE PAYMENT COVERAGE
In the event of a total loss to a "non-hybrid" auto
for which Comprehensive, Specified Causes of
Loss, or Collision coverages are provided under
this Coverage Form, then such Physical
Damage Coverages are amended as follows:
a. If the auto is replaced with a "hybrid" auto or
an auto powered solely by electricity or
natural gas, we will pay an additional 10%,
to a maximum of $2,500, of the "non-hybrid"
auto’s actual cash value or replacement
cost, whichever is less,
b. The auto must be replaced and a copy of a
bill of sale or new lease agreement received
by us within 60 calendar days of the date of
"loss,"
c. Regardless of the number of autos deemed
a total loss, the most we will pay under this
Hybrid, Electric, or Natural Gas Vehicle
Payment Coverage provision for any one
"loss" is $10,000.

For the purposes of the coverage provision,
a. A "non-hybrid" auto is defined as an auto
that uses only an internal combustion engine
to move the auto but does not include autos
powered solely by electricity or natural gas.
b. A "hybrid" auto is defined as an auto with an
internal combustion engine and one or more
electric motors; and that uses the internal
combustion engine and one or more electric
motors to move the auto, or the internal
combustion engine to charge one or more
electric motors, which move the auto.

20. VEHICLE WRAP COVERAGE
In the event of a total loss to an "auto" for which
Comprehensive, Specified Causes of Loss, or
Collision coverages are provided under this
Coverage Form, then such Physical Damage
Coverages are amended to add the following:

In addition to the actual cash value of the "auto",
we will pay up to $1,000 for vinyl vehicle wraps
which are displayed on the covered "auto" at the
time of total loss. Regardless of the number of
autos deemed a total loss, the most we will pay
under this Vehicle Wrap Coverage provision for
any one "loss" is $5,000. For purposes of this
coverage provision, signs or other graphics
painted or magnetically affixed to the vehicle are
not considered vehicle wraps.

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

Countersigned by
Authorized Representative
Form WC 04 03 06 (1) Printed in U.S.A.

Process Date: 07/17/23 Policy Expiration Date: 07/29/24

WAIVER OF OUR RIGHT TO RECOVER FROM

OTHERS ENDORSEMENT - CALIFORNIA
Policy Number: 57 WEA AL9J4V Endorsement Number:

Effective Date: 07/29/23 Effective hour is the same as stated on the Information Page of the policy.

Named Insured and Address: RADIUS EARTHWORK INC
197 E HAMILTON AVE STE 204
CAMPBELL CA 95008
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. (This agreement applies only to the extent that you perform work under a written contract that requires you to obtain this agreement from us.) You must maintain payroll records accurately segregating the remuneration of your employees while engaged in the work described in the Schedule.

The additional premium for this endorsement shall be 2 % of the California workers' compensation premium otherwise due on such remuneration.

SCHEDULE
Person or Organization Job Description
Any person or organization for whom you are required by written contract or agreement to obtain this waiver of rights from us

ABCDEFGHIJ

COMM ERCIAL GENERAL LIA BILITY COV ERA GE FORM
(1) The "bodi ly inj ury " or " pr op er ty dam age " i s V ar ious pr ov i s ions i n thi s pol i c y r es tr i ct cov er age.

Read t h e enti r e poli cy car ef ul ly to deter m i ne r i ghts , caus ed b y an " occur r ence " t h at takes dut ies and what i s and i s not cov er ed. pl ace i n t he " cov er age ter r i tor y"; (2) The " bodi ly i njur y" or "pr oper ty damage"Thr oughout thi s pol i c y t h e wor ds " y ou" and "y our" r ef er to the Nam ed Ins ur ed s h own i n t he occur s dur i ng the pol i c y per i od; and Decl ar ati ons , and a ny ot h er per s on or or g ani zati on (3) P r i or t o t he pol i c y per i od, n o i ns ur ed l i s ted qual i f y i ng as a Named I ns u r ed under thi s pol i c y . The under Par agr a ph 1. of Secti on II - W ho I s wor ds "we", "us " and "our " r ef er to t he s tock A n I ns ur e d and no "em pl oy e e " author iz ed i ns ur ance company mem ber of The Har t f or d by y o u to giv e or r ecei v e no t i ce of an pr ov i di ng thi s i ns ur ance. "occur r ence" or cl a i m , k ne w t hat the The wor d "i ns ur ed " m eans an y per s on or "bodil y i nj ury " or "pr oper ty dam age" had or ganiz ati on qua l i f y ing as s uch under S ecti on II - occur r ed, in whole or i n par t. If s uch a W ho Is An Ins ur ed. l i s t e d i ns ur ed or author ized "em pl o y ee " knew, pr i or to the pol i c y per i od, that t he O ther wor ds and phr as es that app ear i n quotati on "bodil y i nj ury " or " pr op er ty dam age "m ar ks hav e s peci al m eaning. R ef er t o Secti on V - occur r ed, then an y conti nuati on, chan ge Def i ni ti ons . or r es um pti on of s uch " bodil y i njur y" or S ECT I ON I - CO VER AGE S "pr oper ty dam age" dur i n g or af t er the CO VE R AGE A BO DIL Y I NJURY AN D PROP ERT Y pol i c y per iod w il l b e deemed t o hav e b een DAM AGE LIABIL IT Y known pri or to t he po l i c y p er i od.

1. I nsu r in g Agr eem en t c. " Bodi ly inj ury " or " pr oper ty damage" wi l l be deem ed t o hav e be en k nown to ha v e a. W e w i ll pa y thos e s ums that t he i ns ur ed occur r ed at the ear li es t t i me w hen a ny becom es l egal ly ob l i gated to pa y as damages i ns ur ed l i s ted un der P ar a gr aph 1. of S ecti on IIbecaus e of "bodi ly inj u r y " or "pr oper ty - W ho Is An Ins ur ed or an y "em pl o y ee "dam age" t o whi ch thi s i ns ur ance appl i es . W e aut h or i zed b y y ou t o gi v e or r ecei v e noti ce of wi l l hav e the r i ght and duty t o def end t he an "occur r ence" or cl a i m :i ns ur ed a gai ns t an y " s uit" s eeki ng t hos e dam ages . Ho w e v er , we w il l h av e n o dut y to (1) Repor t s al l , or an y par t, of t he "bodi ly def end t he ins ur ed agai ns t an y " s ui t" s eeki ng i nj ury " or " pr oper t y damage" to us or a ny dam ages f or "bodi ly i njur y " or "pr oper t y ot her i ns ur er ; dam age" t o whi ch t h i s i ns ur ance does n ot (2) Recei v es a wr i tt e n or v er bal dem and or apply . W e may , at our d i s cr et i on, i n v es ti gate cl ai m f or dam ages becaus e of t he "bodil y any "occur r ence" and s ett l e an y cl ai m or " s ui t " i nj ury " or " pr oper ty damage " ; ort hat may r es ul t. But : (3) B ecomes awar e b y a ny other m eans t hat (1) The am ount we wi ll pa y f or damages i s "bodil y i njur y " or "pr oper ty damage" has l i m i ted as des cr i b ed i n Se ct i on II I -L i m i t s occur r ed or has begun to o ccur .O f I ns ur ance; and d. Dam ages becaus e of "bodi ly inj ury " i ncl ude (2) O ur r i ght and dut y to def end e nds w h en dam ages cl ai med by any p er s on or we hav e us ed up the ap pl i cable l i m i t of or ganiz ati on f or car e, l o s s of s er v i ces ori ns ur ance i n the pa y ment of j udgm ents or death r es ul ti ng a t an y ti m e f r o m the " bodi ly s et tl em ents under Co v er a ges A or B or i nj ury ". m edi cal ex pens es under Cov er age C. e. I nci den tal Medi cal Malp r actice An d G oo d No other o bl i gati o n or l iabi li ty to pa y s um s or S ama r i tan Coverag eper f or m acts or s er v i ces i s cov er ed unles s " Bodi ly i njur y" ar i s i ng out of t he r ender ing of ex pl i ci tly pr o v ided f or under S upp l em entar y or f ai l ur e to r en der t h e f ol lowi ng healt h car e P a y m ents - Cov er ages A and B. s er v i ces b y an y "em pl o y ee" or "v o l unteer b. Thi s i ns ur ance appl ies to "bodil y i njur y " and wor ker" s hal l be d eem ed to be caus ed b y an " pr oper ty damage" only i f : " occur r ence" f or :

HG 00 0 1 09 16 P age 1 of 21
© 2016 The Har tf or d
(I ncl udes cop y r i ghted m ater i al of I ns ur ance Ser v i ces O f f i ce, I nc. w i th i t s per mi s s i on. )

(1) P r of es s i ona l he al th car e s er v i ces s uch as : (a) Li abil i ty t o s uch par t y f or , or f or t he cos t of , t hat par ty 's def ens e has al s o (a) M ed i cal , s ur gi ca l , dental , labor atory , x - been as s umed i n t he s a m e "i ns ur ed r ay or nur s i ng s erv i ces or tr eat ment , cont r act" ; and adv i ce or ins t r ucti on, or t he r el ated (b ) S uch att or n ey f ees a nd l i ti gati on f ur ni s hi ng of f ood or be v er ages ; ex pens es ar e f or def ens e of t hat par t y (b ) A n y h eal th or ther ap euti c s er v i ce, agai ns t a ci v i l or al ter nati v e di s p ut e t r eatm ent, adv i ce or ins t r ucti on; or r es ol uti on pr oceedi ng i n whi ch (c) The f ur ni s hi ng or d i s pens ing of dr ugs dam ages t o whi ch thi s i ns ur ance or medi cal , de nt a l , or s ur gical s uppl i es appl i es ar e al leged. or app l i ances ; or c. L iq uo r L iab il ity (2) F i r s t ai d s er v i ces , w h i ch incl ude: " Bodi ly i njur y" or "pr oper ty damage" f or w h i ch (a) Car di opu l m onary r es us ci tat ion, any i ns ured may be hel d l iabl e b y reas on of : w het h er per f or m ed m anuall y or wi th a (1) Caus i ng or cont ri buti ng to t he i ntox i cati on d e f ib rilla to r; o r of an y per s on; (b ) S er v i ces per f or m ed as a G ood (2) The f ur ni s hi ng of al coholi c bev er ag es to a S amar i t an. per s on under the l ega l dr i nk i ng age or F or the pur pos e of deter m i ni ng the l i mi t s of under the i nf l u ence of al co hol ; or i ns ur ance, any act or om i s s i on t og et her w it h (3) A n y s tat ute, or di n ance or r egulat ion al l r el ated acts or om i s s i ons i n the f ur ni s hi ng r el ati ng to t he s a l e, g i f t , di s tr i buti on or us e of thes e s erv i ces to a ny one per s on wi l l be of al coho l i c b ev er ages . cons i der ed one "occur r ence".

Thi s ex cl us i on a ppl i es e v en i f the cl ai ms Howev er , thi s Inci de nt a l Medi ca l Mal pract i ce agai ns t an y i ns ur ed al lege negli gence or A nd G ood Sam ar i tan Cov er age pr ov i s i on ot her wr ongd oi ng i n:appl i es o nly i f y ou ar e n ot eng aged i n the (a) The s uper v i s i on, hi ri ng, empl oy m ent, bus i nes s or occupati on of pr ov i ding an y of t he s er v i ces des cr i bed i n thi s pr ov i s i on. t r ai n i ng or moni t or i ng of ot her s by t h at i ns ur ed; or2. E xclusi on s
(b ) P r ov i d i ng or f ai li ng to pr ov i de Thi s i ns ur ance does not a pply t o: t r ans por tati on wi th r es pect to an y a. E xpected Or In tend ed I nju ry per s on t h at m a y b e under the i nf luence " Bodi ly i njur y" or "pr oper t y dam age" ex pected of al coho l ; or i nt en ded f r om t he s tandpoint of the i f t he "occur r ence" whi ch caus ed the "bodil y i ns ur ed. Thi s ex cl us i o n does not app ly to i nj ury " or " pr oper ty damage", i n v olv ed that " bodil y i nj ury " or "pr oper t y damage" r es ul ti ng whi ch i s des cr i be d i n Par a gr aph (1) , (2) or (3)f r o m the us e of r eas onabl e f or ce to pr ot ect abov e. per s ons or pr oper t y . Howev er , thi s ex cl us i o n appli es only i f y o u b . Co ntr actu al Liab il ity ar e i n the bus i nes s of manuf act ur i ng, " Bodi ly i njur y" or "pr oper ty damage" f or w h i ch di s t r i b ut ing, s ell i ng, s er v i ng or f ur ni s hi ng t he i ns ured i s obl i g at e d t o pay damages by al coholi c bev er ages . F or the pur p os es of t hi s r eas on of t he as s um pti on of l i abil i ty in a ex cl us i on, per m i tt i ng a per s on t o br i ng cont r act or agr e em ent. Thi s ex cl us ion do es al coholi c bev er ages on your pr emi s es , f or not app l y to l i abil i ty f or damages : cons um pti on on y our pr e m i s es , w hether or not a f ee i s char ged or a l i cens e i s r equi r e d (1) That t he i ns ur e d w o ul d ha v e i n t he f or s uch act i v i ty , i s not b y i ts el f cons i der ed the abs ence of the contr act or agr eement ; or bus i nes s of s el l i ng, s er v i ng or f ur ni s hi ng (2) A s s umed i n a contr act or agr eement t hat al coholi c be v er a ges .i s an "i ns ur ed cont r act " , pr ov i de d the d . Wor ker s' Co mpen s ati on And Si milar Laws "bodil y i nj ury " or " pr op er ty dam age " occur s s ubs equent to the e x ecut i on of the A n y obl igati on of t he i ns ur e d und er a wor ker s ' cont r act or agr eem ent. S olely f or t he co mpens at ion, di s a bi l i t y benef i ts or pur pos es of l iabi l ity as s um ed i n an unem pl o y ment compens at i on law or an y "i ns ur ed contr act" , r eas o nabl e attor ne y s imila r la w . f ees and neces s ar y li t igati on ex pens es e. E mpl oyer 's Liab il ity i ncur r ed b y or f or a par ty other than a n " Bodi ly i njur y" t o: i ns ur ed ar e d eem ed t o be dam ages (1) A n " em pl o y ee " of the i ns ured ari s i ng out of becaus e of "bodi ly i njur y" or "pr oper ty dam age " , pr ov i de d: and i n the cour s e of :

P age 2 o f 21 HG 00 0 1 09 16

(a) E mpl oy m ent by the i ns ur ed ; or (c) W hi ch ar e or wer e a t an y ti m e t r ans por ted, h andl e d, s t ored, t reat e d, (b ) P er f or m i ng duti es r e l ated to the di s pos ed of , or pr oces s ed as was t e b y conduct of the i ns ur ed's bu s i nes s ; or or f or :(2) The s pous e, chi l d , par ent, br ot her or s i s ter (i ) A n y i ns ur ed; or of that "em pl o y ee " as a cons equence of P ar agr a ph (1) abo v e . (i i) A n y per s on or or ganiz a t i on f or whom y ou may be l ega l ly Thi s ex cl us i on app l i es :
r es pons i bl e; (1) W het her t he i ns ur ed m a y be li abl e as an em pl o y er or i n an y other ca paci ty ; a nd (d ) A t or f r om an y pr emi ses , s i t e or l ocati on o n whi ch an y i ns ur ed or an y
(2) To any obl i g at ion to s har e dam ages w i th
cont r actor s or s ubcontr actor s wor ki ng or r epa y s omeone e l s e who mus t pay di r ect ly or i nd i r ect ly o n an y i ns ur ed 's dam ages becaus e of the inj ury . behal f ar e per f or m i ng oper at i o ns i f t he Thi s ex cl us i on do es not apply t o li abi li ty " pol lut a nt s " ar e br ought o n or t o t h e as s u med by the i ns ur ed under an "i ns ur ed pr em i s es , s i te or l ocat ion i n connecti on cont r act" . wi t h s uch oper ati ons b y s uch i ns ur ed, f . P ol lu tio n cont r actor or s ubcont r actor . Howev er , (1) "Bodi ly i njur y " or "pr oper ty damage" t hi s s ubpar agr a ph does not apply t o:
ar i s i ng out of t h e actu al , all eged or (i ) "Bodi ly i nj ury " or "pr oper ty damage"t hr eatene d di s char g e, di s p er s al , s eepage , ar i s i ng ou t of the es cape of f uel s , m i gr ati on, r el eas e or es cape of l ubr i cants or ot her oper ati ng f l ui ds "pol lut a nt s ": whi ch ar e n eeded to p er f or m the (a) A t or f r o m any pr emi ses , s i t e or nor m al el ectr i cal , h y dr a ul i c or l ocati on whi ch i s or was at an y ti m e m echani cal f unct i ons nece s s ar y f or owned or occup i ed b y , o r r ent ed or t he oper ati on of " m obi l e equi pment"l oaned to, an y i ns ur ed. H owev er , t h i s or i ts par ts , i f s uch f uel s , l ubr i cants s ubpar agr aph do es not apply to: or other oper ati n g f l ui ds es cape (i ) "Bodi ly inj ury " i f s us t ai n ed w i thi n a f r o m a v ehi c l e par t des igned to hol d, s t or e or r ecei v e them. Thi s bui l d i ng an d caus ed b y smo k e, ex cept i o n do es not apply i f the f u mes , v apor or s oot pr od uced b y or or i ginati ng f r o m equi p m ent that "bodil y i njury " or "pr oper ty damage" i s us ed to h eat , cool or d ehumi di f y ar i s es ou t of the i n t enti on al t he buil di ng , or equi pment t hat i s di s char ge, di s per s al or r el eas e of us ed to heat w ater f or per s ona l t he f uel s , lubr i cants o r other us e, b y the bui l d i ng 's occupants or oper ati ng f l ui ds , or i f s uch f uel s , t hei r gues ts ; l ubr i cants or ot her oper ati ng f l ui ds ar e br oug ht on or t o the p r em i s es ,
(i i) "Bodi ly i nj ury " or "pr oper ty damage" s i t e or l oca t i o n wi th t h e i ntent that f or w h i ch y ou may b e held l iabl e, i f t he y be di s char ged, di s p er s ed or y ou ar e a cont ract or and the owner r el eas ed as par t of t he o per at ions or l es s ee of s uch pr emi s es , s i t e or bei ng per f or m ed by s uch i ns ur ed, l ocati on has be en a dded to y our cont r actor or s ubcontr act or ;pol i c y as an ad di ti onal i ns ur ed w i th r es pect to y our on goi ng o per at ions (i i) "Bodi ly i nj ury " or "pr oper ty damage" per f or med f or t hat addi ti o nal s us t ai ne d w i thi n a b ui l d i ng and i ns ur ed at that pr em i s es , s i t e or caus ed b y t he r el eas e o f gas es , l ocati on and s uch pr emi s e s , s i t e or f u mes or v apor s f r om mat er i al s l ocati on i s n ot and ne v er was br ought i nto that bui ldi ng in owned or occupi ed b y , or r ented or connect ion wi th oper ati on s bei ng l oaned to, an y i ns ur ed, other than per f or med by y ou or on y o ur behal f t hat addi ti ona l i ns ur ed; or by a cont r actor or s ubcon t r actor ; or (i ii ) "Bodi ly i nj ury " or "pr oper ty damage" (i ii ) "Bodi ly i nj ury " or "pr oper ty damage" ar i s i ng out of heat , s moke or f u mes ar i s i ng out of heat , s moke or f u mes f r o m a "hos t i le f i r e"; f r o m a "hos t i le f i r e"; or (b ) A t or f r o m any pr emi ses , s i t e or (e) A t or f r om an y pr emi ses , s i t e or l ocati on whi ch i s or w as at an y ti me l ocati on o n whi ch an y i ns ur ed or an y us ed b y or f or any i ns ur ed or ot her s f or cont r actor s or s ubcontr actor s wor ki ng t he h andl ing, s tor age, di s pos a l , di r ect ly or i ndi r ectly on a ny i ns ur ed's pr oces s i ng or tr eat ment of was te; behal f ar e per f or m i ng oper at i o ns i f t he HG 00 0 1 0 9 16 P age 3 of 21

(4) Li abil i ty as s um ed under an y "i ns ur ed oper ati ons ar e t o tes t f or , moni t or , cl ean up, r em ov e, co nt ain, tr eat, cont r act" f or the o wner s hi p, mai nt ena nce det ox i f y or neutr al iz e, or i n an y wa y or us e of ai r cr af t or water cr af t ; r es pond t o, or as s es s t h e ef f ects of , (5) "Bodi ly i njur y " or "pr oper ty damage" " pol lut a nt s " . ar i s i ng out of :
(2) A n y l os s , cos t or ex pens e ar i s i ng out of (a) The oper at ion of machi nery or any : equi pment t hat i s at tache d to, or par t
(a) Reques t, demand, or d er or s t atut ory or of , a land v ehi cl e that woul d qua l i f y r egul atory r equi r ement t hat a ny under the def i ni ti on of " m obi l e i ns ur ed or other s t es t f or , moni t or , equi pment " i f i t w er e not s ubj ect to a cl ean up, r em ov e, co ntai n, t r eat, co mpul s or y or f i nanci al res pons i bil i ty det ox i f y or ne ut r ali ze, or i n a ny wa y l aw or o t her m otor v eh i cl e i ns ur ance r es pond to, or as s es s the ef f ect s of , l aw wher e i t i s l i cens e d o r pr i nci p al ly " pol lut a nt s " ; or gar aged; or
(b ) Cl ai m or s ui t b y or on behal f of a (b ) The oper ati on of an y of the m achi nery or equi pment l i s ted i n P aragr aph
f . (2)gov er nm ental author i ty f o r dam ages
or f . (3) of t he def i ni ti o n of " m obi l e becaus e of t es ti ng f or , moni t or ing, cl eani ng up, r emov ing, contai ning, equi pment "; or t r eati ng, detox i f y i ng or neutr al iz i n g, or
(6) A n a i r cr af t that i s not o w ne d b y an y
i n an y way r es po ndi ng to, or as s es s i ng i ns ur ed an d i s hi r e d, ch ar t er ed or l oane d t he ef f ect s of , " pol l utants ". wi t h a pai d cr ew. Howe v er, t hi s ex cepti on Howev er , thi s p ar agr aph does not ap ply to does not a pply i f t he ins ur ed has an y other l i abil i ty f or dam ages becau s e of "pr oper t y i ns ur ance f or s uch "bodi ly i nj ury " or dam age" t hat the i ns ur ed w o ul d hav e i n "pr oper ty damage" , whether t he other t he a bs ence of s uch r eques t, demand, i ns ur ance i s pr i m ary , ex ces s , cont ingent or der or s t atut ory or r egul atory or on an y ot h er bas i s . r equi r em ent, or s uch cl ai m or "s ui t " b y or
h . Mo bi le Eq ui pmen t
on b ehal f of a gov er nm ental author i ty . " Bodi ly i njury " or "pr oper ty dam age" ar i s i n g g . Air c r af t, Au to Or W ater craf t out of :
" Bodi ly i njury " or "pr oper ty dam age" ar i s i n g (1) The t r ans por tat i o n of "m obi l e equ i pm ent" out of the owner s hip, ma i ntenance , us e or by an "auto" owned or oper ated b y or ent r us tm ent t o other s of any ai r cr af t , " auto " or r ent ed or l oan ed to an y i ns ur ed; or wat er cr af t owned or oper ated b y or r ented or (2) The us e of " m obi l e equi pment" i n, or whi l e l oaned t o an y i ns ur ed. Us e i ncl udes oper ati on i n pr acti ce f or , or w h i l e being pr e par ed f or , and " l oad i ng or u nl oad i ng " . any pr ear r ange d r aci ng, s peed, Thi s ex cl us i on appli es ev en i f the cl ai ms dem ol i ti on, or s tunti ng act iv i ty . agai ns t an y i ns ur ed al lege negli gence or i . War ot her wr ong doi ng i n the s uper v i s i o n, hi r ing, " Bodi ly i njur y" or "pr oper t y dam age", ho w e v er em pl o y ment , tr ai n i ng or m oni tor i n g of ot h er s caus ed, ar i s i n g, di r ectly or indi r ectl y , out of :by that i ns ur ed, i f t he "occur r ence" w h i ch (1) W ar , i ncl udi ng und ecl ar ed or ci v i l war ; caus ed t h e "bodi ly inj u r y " or "pr oper ty dam age" i nv ol v ed the o w n er s hi p, (2) W ar l i k e acti on b y a m i l it ary f or ce, i ncl ud i ng m ai ntenance, us e or entr us t ment to other s of act i on i n hi n der i ng or def en di ng ag ai ns t a n any ai r cr af t , " auto " or water cr af t that i s o w ne d act ual or ex pected at tack , b y an y or oper ated b y or rent e d or loaned to a ny gov er nm ent, s ov er ei gn or ot her author i t y i ns ur ed. us i ng m i l i tary per s onne l or other agents ; orThi s ex cl us i on does not a pply t o:
(3) I ns ur r ecti on, r ebe llio n , re v o lu t io n , u s u r ped (1) A w ater cr af t w hil e as hor e o n pr em i s es y o u power , or acti on taken b y g ov er nm ental own or r e nt ; aut h or i ty i n h i nder ing or def endi ng agai ns t (2) A water cr af t y ou do not own t ha t i s : any of t hes e.(a) Les s than 51 f eet l ong; and j . Damag e T o P r oper ty (b ) Not b ei ng us ed to car ry p er s ons f or a " P r o per ty dam age " t o: char ge; (1) P r oper t y y ou o wn, r e nt, or occup y , (3) P ar k i ng an " auto " on, or on t he wa y s nex t i ncl uding a ny cos t s or ex pens es i ncur r ed t o, pr em i s es y o u own or r ent, pr o v i d ed t h e by y ou, or an y other p er s on, or ganiz a t i o n "auto" i s not owned b y or r ent e d or l oa ned or ent i t y , f or r epa i r , r epl acement , t o y o u or the i ns ur ed; P age 4 o f 21 HG 00 0 1 09 16

m. Damag e T o I mpai r ed Pr oper ty Or Pr op er t y enhancement , r es t or ati on or mai nt e nance No t P hysical ly I nj ur ed of s uch pr oper ty f or any r eas on, incl udi n g pr ev e nt ion of inj ury to a p er s on or dam age " P r o per ty damage" t o "i m pai r ed pr oper t y " or t o another's pr oper t y ; pr oper ty t ha t has no t been ph y s i cal ly i njur ed, (2) P rem i s es y ou s el l, gi v e a way or aban don, ar i s i ng out of :
i f t he " pr oper t y dam age " ar i s es out of an y (1) A def ect, def i ci e ncy , i nade quac y or par t of thos e pr em i s es ; danger ous cond i ti on i n "y our pr oduct " or (3) P r oper t y l oaned to y o u; "y our wor k " ; or (4) P er s ona l pr oper ty in t he car e, cus t od y or (2) A d el a y or f ail ur e b y y ou or an y on e acti ng cont r ol of t he i ns ur ed; on y o ur behal f to per f or m a contr act or (5) That par t i cul ar par t of r eal pr oper ty on agr eem ent i n accor dance wi t h i ts ter m s . whi ch y ou or an y cont r actor s or Thi s ex cl us i on does not a pply to t he l os s ofs ubcont r actor s us e of ot h er pr oper t y ar i s ing out of s udden wor ki ng di r ectl y or i nd i r ect ly on y o ur b ehal f and acci d ental p hy s i cal i nj ury to "y our ar e per f or m i ng oper a t i o ns , i f t he "pr oper ty pr oduct" or "y our wor k " af t er i t has been p ut dam age " ar i s es out of t hos e op er at ions ; or t o i t s i ntend ed us e . (6) That par ti cul ar par t of an y pr oper ty that n . Recall O f P r od ucts, W o r k O r I mpair edm us t be r es tor ed, r epai r ed or r epl ace d P r op e r ty becaus e " y our wor k " was i ncor r ect ly Dam ages cl ai m ed f or an y l os s , cos t or per f or med on i t. ex pens e i ncur r ed b y y ou or ot h er s f or t he l os sP ar agr a phs (1), (3) and (4 ) of t hi s ex cl us i on of us e, wi thdr awal, r ecall , i ns pect ion, r e pai r , do n ot app l y to " pr oper t y d am age " (ot h er than r epl acem ent, adjus t ment , r em ov al or di s pos al dam age by f i r e) t o pr em i s es , i ncl ud i ng the of : cont ents of s uch pr em i s es , r ent ed t o y o u f or a (1) "Y our pr oduct"; per i od of s ev e n or f e w er cons ecuti v e da y s . A s epar at e l i mi t of i ns ur ance appl i es t o Damage (2) "Y our wor k " ; or To P r emi s es Rent ed To You as des cr i b ed i n (3) "I mpai r ed pr o per ty "; S ecti on II I - Li mi t s O f Ins ur ance. i f s uch pr oduct , wor k, or pr oper t y i s wi thdr awn P ar agr a ph (2) of t hi s ex cl us i on does not app l y or r ecal l ed f r om the mar ket or f r o m us e b y if th e p re mis e s a re " yo u r w o rk " a n d we r e any per s on or or gan i zati on becaus e of a nev er occupied, r ented or hel d f or r ental by know n or s us pect e d def ect, def i ci enc y , yo u . i nadeq uacy or dangerous cond i t ion i n i t . P ar agr a phs (3) and (4) of thi s ex cl us ion do o . P erso nal An d Adve r ti sin g I nj ur ynot app ly to "pr oper t y d amage" ar i s i ng f r o m " Bodi ly i njur y" ar i s i ng out of " per s onal an d t he us e of el e v a t or s . adv er t i s ing i nj ury ".P ar agr a phs (3), (4), (5) and (6) of t hi s ex cl us i on do n ot ap ply t o l i abil i ty as s umed p . Ac cess or D i sclosu r e Of Co nf i den tial O r under a s i d et r ack agr eeme nt. P erso nal In f or mati on And Data-r elated L iab il ityP ar agr a phs (3) and (4) of thi s ex cl us ion do not apply t o "pr oper ty da m age" t o bor r owed Dam ages ar i s i ng out of :
equi pment whil e not bei n g us ed to per f or m (1) A n y acces s to or di s cl os ur e of an y oper ati ons at the job s i t e. per s on's or or gan i zat ion's conf i denti al or P ar agr a ph (6) of t hi s ex cl us i on does not app l y per s onal i nf or m ati on, i ncludi ng patent s , t o " pr oper ty damage" i ncl uded i n t h e t r ade s ecr ets , pr oces s i ng met hods , " pr oducts -co mpl et ed op er ati ons h azar d". cus t omer l i s t s , f i nanci al inf or m ati on, cr edi t k. Damag e T o Y o ur Pr o du ct car d i nf or m ati on, he al th i nf or m ati on or an y ot her ty p e of nonpu bl i c i nf or m ati on; or " P r o per ty damage" t o "y o ur pr oduct" ar i s i ng out of i t or an y par t of i t. (2) The l os s of , l os s of us e of , dam age to, cor r upt i o n of , i nabil i ty to acces s , orl . Damag e T o Y o ur W o r k i nabil i ty to mani pul ate el ectr oni c data. " P r o per ty dam age " t o "y ou r wor k " ar i s i ng out Thi s ex cl us i on appli es e v en i f dam ages ar e of i t or an y p ar t of i t and i ncl uded in t he cl ai m ed f or noti f i cat i o n cos t s , cr edi t " pr oducts -co mpl et ed op er ati ons h azar d". m oni tor i ng ex pe ns es , f or ens i c ex pe ns es , Thi s ex cl us i on does not apply i f the dam aged publ i c r e l ati ons ex pens es or an y other l os s ,wor k or the wor k out of whi ch the dam age cos t or ex pens e i ncur r ed b y y ou or ot h er sar i s es w as p er f or med on y our beh al f by a ar i s i ng out of t hat whi ch i s des cr i bed i n s ubcont r actor . P ar agr aph (1) or (2) abov e.

HG 00 0 1 0 9 16 P age 5 o f 21

Howev er , unles s Par ag r aph (1) abov e det ox i f y i ng or ne ut r a l i zi ng or i n any appl i es , t h i s ex cl us i on d oes not ap ply t o way r es p ondi ng t o or as s es s i ng t he dam ages becaus e of "bodil y inj ury ". ef f ect s o f an "as bes tos ha zar d" . s. Reco r di ng An d Distr ib uti on O f Mater i al Or A s us ed i n thi s ex clus i on, el ectr oni c d at a I nf o r matio n In V iol atio n Of L awm eans i nf or m ati on, f acts or pr ogr am s s tor ed as or on, cr eat e d or us ed o n, or tr ans mi t ted t o " Bodi ly i njury " or "pr oper ty dam age" ar i s i n g or f r o m com puter s of t war e, i ncl udi n g s y s tem s di r ect ly or i nd i r ect ly out of an y acti on or and app l i cati ons s of tw ar e , har d or f l opp y om i s s i on t hat v iol ates or i s al l ege d to v i ol ate:di s ks , CD-RO MS , t a pes , dr i v es , cell s , d at a (1) The Tel epho ne C ons um er P r otecti on Act pr oces s i ng dev i ces or an y ot her m edi a w h i ch (TCP A), i ncl ud i ng an y am endm e nt of or ar e us ed wi th el ectr oni cally cont r o l l ed addi ti on to s uch l a w ;equi pment . (2) The CAN-S PAM Act of 2003 , i ncl ud i ng q . E mpl oymen t-Related Pr actices any amendm ent of or addi tion to s uch law;" Bodi ly i njur y" t o: (3) The Fai r Cr ed i t Repor ti ng Act (FCRA ), an d (1) A per s on ar i s i n g o ut of any "em pl o y ment- any am endment of or a ddi ti on to s uch l a w , r el at e d pr acti ces " ; or i ncl uding the Fai r and Accur at e Cr edi t (2) The s pous e, chi l d , par ent, br ot her or s i s ter Tr ans act i on A c t (F ACTA); or of t hat per s on as a cons equence of "bodi ly (4) A n y f ed er al , s t a t e or l ocal s tatut e, i nj ury " t o t ha t per s o n at whom any or di nance or r egu l ati on, ot her than the "em pl o y ment-r el ated pract i ces " ar e TCP A or CAN-SP AM A ct of 2003 or FCRA di r ect ed . and t he i r amendm ents and ad di ti ons , that Thi s ex cl us i on app l i es : addr es s es , pr ohibi t s or l i m i ts the pr i nti ng, di s s em i nati on, di s pos al, col l ecti ng, (1) W het her the i njur y-caus i n g ev ent r ecor di ng, s endi ng, tr ansmi t ti ng, des cr i bed i n the def i n i t ion of " e mpl oy m ent- co m muni cat i ng or di s t r ibuti on of m ater i al r el at e d pr acti ces " occur s bef or e or i nf or mat i on.em pl o y ment , d ur i ng em pl o y ment or af t er Damag e T o Pr emises Rented T o Y o u -em pl o y ment of that p er s on; E xc ep tio n Fo r Damag e By Fir e, L ig htn in g Or(2) W het her t he i ns ur ed m a y be li abl e as an E xpl osi onem pl o y er or i n an y other ca paci ty ; a nd E x cl us i o ns c. th ro u g h h. and j. th ro u g h n. do not (3) To any obl i g at ion to s har e dam ages w i th apply t o d am age b y f i r e, l i g ht ning or ex pl os i o n t o or r epa y s om eone el s e who m us t pa y pr em i s es whi l e r ented to y ou or t empor ar i ly dam ages becaus e of the inj ury . occupi ed b y y o u wi th per m i s s i on of t he owner . A r . Asbestos s epar at e l i mi t of i ns ur a nce appli es to t h i s (1) "Bodi ly i njur y " or "pr oper ty damage" cov er ag e as des cr i bed i n S ecti on II I -L i m i t s O far i s i ng out of t he " as bes tos ha z ar d ". I ns ur ance. (2) A n y damages , judgm ent s , s et tl em ents , CO VE R AGE B PE R S ONAL AN D ADVE RT IS ING l os s , cos t s or ex pe ns es that: I NJURY L I ABI LI T Y (a) M a y be awar ded or i ncur r ed by r eas on 1. I nsu r in g Agr eem en t of any cl ai m or s ui t al legi ng actual or a. W e w i ll pa y thos e s ums that t he i ns ur ed t hr eatene d i njur y or damage of any becom es l egal ly obl igated to pa y as damagesnat ur e or ki nd to per s ons or pr oper ty becaus e of " per s onal and adv er ti s i ng i nj ury"whi ch w o ul d not hav e occur r ed i n t o whi ch thi s i ns ur ance ap pl i es . W e w i ll ha v ewhol e or i n par t but f or t h e "as bes tos t he r i ght and duty t o def end t he i ns ur ed hazar d"; agai ns t an y " s ui t " s eeki ng thos e damages . (b ) A r i s e out of an y r equ es t , demand, Howev er , w e w il l hav e no duty to def end t he or der or s t a t utory or r egu l at ory i ns ur ed a gai ns t an y " s ui t" s eeki ng da magesr equi r em ent that an y ins ur ed or ot her s f or "per s onal and adv er ti s i ng i njur y " t o whi ch t es t f or , m oni tor , cl ean up, r emov e, t hi s ins ur ance does n ot a pply . W e may , at ourencaps ul ate, cont a i n, tr eat, det ox i f y or di s cr et i o n, i nv es ti gate an y of f ens e and s ett l e neut r a l i ze or i n an y w a y r e s pond t o or any cl a i m or "s ui t " t hat m a y r es ul t. But: as s es s the ef f ect s of an "as bes tos (1) The am ount we wi ll pa y f or damages i s hazar d"; or l i m i ted as des cr i b ed i n Secti on II I -L i m i t s(c) A r i s e out of any cl a i m or s ui t f or O f I ns ur ance; anddam ages becaus e of tes t i ng f or , (2) O ur r i ght and duty to def en d end whe n we m oni tor i ng, cleani n g up, r e mov i n g, hav e us ed up t he appli cabl e l i mi t ofencaps ul ati ng, contai n i ng , tr eati ng, i ns ur ance i n the pa y ment of j udgm ents or P age 6 o f 21 HG 00 0 1 09 16

s et tl em ents under Co v er a ges A or B or h . Wr on g Desc r i pti on O f P r ices m edi cal ex pens es under Cov er age C. " Per s onal and ad v er ti s i ng inj ury " ar i s i ng out of No other o bl i gati o n or l i abil i ty to pa y s um s or t he w rong des cr i pti o n of the pr i ce of g oods , per f or m acts or s er v i ces i s cov er ed unles s pr oduct s or s er v i ces . ex pl i ci tly pr o v ided f or under S upp l em entar y i . I nf r i ng ement O f In tellectu al Pr o per t y P a y m ents - Cov er ages A and B. Ri gh ts b. Thi s i ns ur ance appli es to " per s ona l and (1) "Per s onal an d adv er ti s i ng i nj ury " ar i s i ng adv er t i s ing i nj ury " caus ed by an of f ens e out of an y actual or a l l eg ed i nf r i n gem ent ar i s i ng out of y our bus i n es s but only i f the or v i o l ati on of an y i ntel lect ual pr oper ty of f ens e w as com mi t ted i n the " cov er age r i ght s s uch as cop yr i ght , patent, t er r i tor y " dur i ng the p ol i c y per i od. t r ademar k , tr ade name, tr ade s ecr et, t r ad e

2. E xclusi on s dr es s , s er v i ce m ar k or other des ignati on of or i gi n or authenti ci ty ; orThi s i ns ur ance does not a pply t o:
(2) A n y i nj ury or dam age a l l eg ed i n an y cl ama. Kn owi ng V io lati on O f Ri gh ts O f Ano ther or " s ui t" t hat a l s o al l e ges an i nf r i ngement " Per s onal and adv er t i s i ng i njur y " ar i s i ng out of or v i o l ati on of an y i ntel lect ual pr oper ty an of f ens e co m mi t ted by , at t he d i r ect i o n or r i ght , whether s uch al l ega t i o n of wi t h t h e cons ent or acqui es cence of t he i nf r i ngem ent or v i ol ati o n i s made by y ou or i ns ur ed wi th the ex pectat i o n of i nf l i cti ng by an y ot her par t y i nv ol v ed i n the cl ai m or " per s onal and ad v er ti s i n g inj ury ". " s ui t", r egar dles s of whether t hi s b . Mater ial P ub li shed W i th Kno wled ge Of i ns ur ance woul d otherw i s e apply .

F alsi t y Howev er , thi s ex cl us i on does not app l y i f the " Per s onal and ad v er ti s i ng inj ury " ar i s i ng out of only all egati on i n t he cl ai m or "s ui t " i nv olv ing or al , w ri t ten or e l ect r o ni c pub l i cati on, in an y any i n t ell ect u al pr oper ty r i g ht i s l i m i ted t o :
m anner , of mat er i al , i f done b y or at the (1) Inf r i ngem ent, i n y o ur "adv er ti s em ent", of : di r ect ion of the i ns ured wi th k nowl edge of i t s (a) Cop y ri ght;f a ls it y. (b ) S l o gan; or c. Mater ial P ub li shed Pr io r T o Po li cy Per i od (c) Ti t l e of an y l i ter ary or ar ti s t ic wor k ; or" Per s onal and ad v er ti s ing i njur y " ar i s i ng out of (2) Cop y i ng, i n y our " adv er ti s em ent", a or al , w ri t ten or e l ect r o ni c pub l i cati on, in an y m anner , of m ater i al w hos e f i r s t publi cat ion per s on's or or ga ni zati on's "adv er ti s i ng t ook pl ace bef or e t he beg i nning of t he po l i cy i dea" or s ty le of "adv er t i s e m ent" . per i od.
j . I nsu r eds In M ed ia And I nter n et T yp e
d . Cr i min al Acts Bu sin es ses
" Per s onal and ad v er ti s i ng inj ury " ar i s i ng out of " Per s onal and ad v er ti s i n g i nj ury " com m i tt ed a cr i m i nal act com m i tt ed b y or at t h e di r ecti on by an i ns ur ed w hos e bus i n es s i s :
of the ins ur ed.
(1) A d v er ti s i ng, br oadcas ti ng, publ i s h i ng or e. Co ntr actu al Liab il ity t el ecas ti ng ;
(2) Des i gni n g or deter m i ni ng cont ent of web " Per s onal an d adv er ti s i ng inj ury " f or whi ch the i ns ur ed has as s umed l i abi li ty i n a contr act or s i t es f or other s ; or agr eem ent. Thi s ex cl us i on does not apply t o
(3) A n Int ernet s ear ch, acces s , cont ent or l i abil i ty f or damages t hat the i ns ur ed woul d s er v i ce pr ov i der . hav e i n the a bs ence of t he cont r act or Howev er , t h i s ex cl us ion does no t apply t o agr eem ent. P ar agr a phs a., b. and c. of t he def i n i ti on off . Br each Of Con tr act " per s onal and ad v er ti s i n g i njur y" under the " P e r so na l a nd a dv e r t i si n g i n j u r y " a r i s i n g ou t o f a Def i ni ti ons S ecti on. br eac h of contr act, ex c ept a n i mpl ied contr act to F or the pur pos es of thi s ex cl us i on, t he pl acing u se a no t h e r ' s " a dv er t i si ng i d ea" i n y o ur of f r am es , bor der s or l i nks , or adv er ti s i ng, f or"adv ert i s em en t" . y ou or ot h er s an y wher e on t he Inter net, i s not g . Q ual ity Or Per f o r mance Of G oo ds - F ail ur e by i ts el f , cons i der ed the bus i nes s of T o Co nf o r m T o Statemen ts adv er t i s ing, br oadcas ti ng, publ i s h i ng or t el ecas ti ng ." Per s onal and ad v er ti s i ng inj ury " ar i s i ng out of k. E lectr on ic Chatr oo ms O r Bu ll etin Bo a r d st he f ail ur e of go ods , products or s er v i ces t o conf or m wi t h an y s t atem ent of qual ity or " Per s onal and ad v er ti s ing i njur y " ar i s i ng out ofper f or mance m ade i n y o ur " adv er ti s em ent". an e l ect r o ni c cha t r oom or bul l e t i n b oar d the HG 00 0 1 0 9 16 P age 7 o f 21

(4) Com puter code, s of twar e or pr ogr am m i ng i ns ur ed hos ts , owns , or ov er whi ch the i ns ur ed ex er ci s es contr ol . us ed to enable:
l . Un auth or i zed Use Of Ano ther 's Name Or (a) Y our web s i te; or P r od uct (b ) The pr es entat ion or f unct ional i t y of an " Per s onal and ad v er ti s i ng inj ury " ar i s i ng out of " adv er ti s em ent" or ot h er cont ent on t he u nauthor i zed us e of another 's nam e or y our web s i te. pr oduct in y o ur e-m ai l addres s , domai n nam e
q . Ri gh t O f P r ivac y Cr e ated B y S tatuteor met atags , or an y other s i m i l ar t acti cs to " Per s onal and ad v er ti s i ng inj ury " ar i s i ng out ofm i s l ead another 's po t enti a l cus t omer s . t he v i ol ati on of a per s on's r i ght of pr i v ac y m. P ol lu tio n cr eat ed b y an y s tate or f eder al act . " Per s onal and ad v er ti s i ng inj ury " ar i s i ng out of Howev er , t h i s ex cl us ion does no t apply t o t he act ua l , al l e ged or t hr e at en ed di s char ge, l i abil i ty f or damages t hat t he ins ur ed wou l d di s per s al , s eepage, m i gr ati on, r el eas e or hav e i n t h e abs ence of s uch s t ate or f eder ales cape of " poll utant s " at an y t i me. act . n . P ol lu tio n-Rel ated r . V io lati on O f An ti-T r u st l a w A n y l os s , cos t or ex pens e ar i s i ng out of an y : " Per s onal and ad v er ti s i ng inj ury " ar i s i ng out of (1) Reques t, dem and, or d er or s t atut ory or a v i o l ati on of an y anti -t r us t law. r egul atory r e qui r ement that any ins ur ed or s. S ecur iti esot her s t es t f or , m oni tor , cl ean up, r emov e, " Per s onal and ad v er ti s i ng inj ury " ar i s i ng out ofcont ain, t r eat, detox i f y or neut r a l i ze, or i n t he f l uctuati on i n pri ce or v al ue of an y s t ock s ,any wa y r es pond to, or as s es s the ef f ects bonds or other s ecur i ti es .of , "pol l u t ants "; or t. Reco r di ng An d Distr ib uti on O f M a ter ial O r (2) Cl ai m or s ui t b y or on behal f of a I nf o r matio n In V iol atio n Of L awgov er nm ental author i ty f or dam ages " Per s onal and ad v er ti s i n g inj ury " ar i s i ng becaus e of tes t i ng f or , m oni tor i ng, di r ect ly or i nd i r ect ly out of an y acti on or cl eani ng up, r emov i ng , cont ai n i ng, om i s s i on t hat v iol ates or i s al l ege d to v i ol ate:t r eati ng, de t ox i f y i ng or ne ut r ali zi ng, or i n any way r es p ondi n g t o, or as s es s i ng the (1) The Tel epho ne C ons um er P r otecti on Act ef f ect s o f , " pol l utants ". (TCP A), i ncl ud i ng an y am endm ent of or addi ti on to s uch l a w ;o . War
(2) The CAN-S PAM Act of 2003 , i ncl ud i ng " Per s onal a nd a dv er t i s ing i njur y ", howev er any amendm ent of or addi tion to s uch law;caus ed, ar i s i n g, di r ectly or indi r ectl y , out of :
(3) The Fai r Cr ed i t Repor ti ng Act (FCRA ), an d (1) W ar , i ncl udi ng und ecl ar ed or ci v i l war ; any am endment of or a ddi ti on to s uch l a w , (2) W ar l i k e acti on b y a m i l it ary f or ce, i ncl ud i ng i ncl uding the Fai r and Accur at e Cr edi t act i on i n hi n der i ng or def en di ng ag ai ns t a n Tr ans act i on A ct (FACTA ); oract ual or ex pected at tack , b y an y (4) A n y f ed er al , s t a t e or l ocal s tatut e, gov er nm ent, s ov er ei gn or ot her author i t y or di nance or r egu l ati on, ot her than the us i ng m i l i tary per s onne l or other agents ; TCP A or CAN-SP AM A ct of 2003 or FCRA or
and t he i r amendm ents and ad di ti ons , that (3) I ns ur r ection, r eb el li o n, rev o luti on , us ur pe d addr es s es , pr ohibi t s or l i m i ts the pr i nti ng, powe r , or ac ti on take n by g ov ernm en t a l di s s em i nati on, di s pos al, col l ecti ng, authori t y in h i nd er i n g or de f ending aga i ns t r ecor di ng, s endi ng, tr ansmi t ti ng, an y of thes e . co m muni cat i ng or di s t r ibuti on of m ater i al p . I nter n et Adver tisemen ts And Con tent O f or i nf or mat i on.O ther s u . E mpl oymen t-Related Pr actices" Per s onal and adv er t i s i ng i njur y" ar i s i ng o ut " Per s onal and adv er ti s i ng inj ury " t o:of :
(1) A per s on ar i s i n g o ut of any "em pl o y ment-(1) A n "adv er t i s ement " f or ot he r s on y our web r el at e d pr acti ces " ; ors i t e; (2) The s pous e, chi l d , par ent, br ot her or s i s ter (2) P l ac i ng a l i nk t o a web s i te of ot her s on of that per s on as a cons equ ence of y our web s i te; "per s onal an d a dv er t i s ing i nj ury " t o that (3) Cont e nt , i ncl u di ng inf or m ati on, s ounds , per s on at whom an y " em pl o y ment-r el ated t ex t, gr a phi cs , or i m ages f r om a web s i te pr act i ces " ar e d i r ect ed.of other s di s pl a y ed wi thin a f r a me or bor der o n y our web s i te; or
P age 8 o f 21 HG 00 0 1 09 16

CO VE R AGE C MEDI C AL PAY MENT S Thi s ex cl us i on app l i es :
(1) W het her the i njur y-caus i n g ev ent 1. I nsu r in g Agr eem en t des cr i bed i n the def i n i t ion of " e mpl oy m ent- a. W e wi l l p ay m edi cal ex pens es as des cr i bed r el at e d pr acti ces " occur s bef or e bel o w f or "bodi ly i nj ury " caus ed b y an em pl o y ment , d ur i ng em pl o y ment or af t er acci dent: em pl o y ment of that p er s on; (1) O n pr em i s es y ou own or r e nt ; (2) W het her t he i ns ur ed m a y be li abl e as an (2) O n wa y s nex t to pr em i s es y o u own or em pl o y er or i n an y other ca paci ty ; a nd r ent ; or (3) To any obl i g at ion to s har e dam ages w i th (3) B ecaus e of y o ur operat ions ;or r epa y s omeone e l s e who mus t pay pr ov i ded t h at : dam ages becaus e of the inj ury . (1) The acci dent t ak es pl ace in t he "cov er age v. Asbestos t er r i tor y" and dur i ng the pol icy per i od; (1) "Per s onal an d adv er ti s i ng i nj ury " ar i s i ng (2) The ex pens es ar e i ncur r e d and r epor ted out of the "as bes t os ha z ar d ". t o us wi thi n thr ee y ear s of the da t e of the (2) A n y damages , judgm ent s , s et tl em ents , acci dent; and l os s , cos t s or ex pe ns es that:
(3) The i nj ur ed per s on s ubm i ts t o (a) M a y be awar ded or i ncur r ed by r eas on ex am i nati on, at our ex pens e, b yof any cl ai m or s ui t al legi ng act ua l or phy s i ci ans of our ch oi ce as of ten as we t hr eatene d i njur y or damage of any r eas onably r equi r e.nat ur e or ki nd to per s ons or pr oper ty b. W e wi l l ma k e thes e pa y ments r egar d l es s ofwhi ch w o ul d not hav e occur r ed i n f aul t . Thes e pay m ents wi l l no t ex ceed the whol e or i n par t but f or t h e "as bes tos appl i cab l e l i mi t of i ns ur a nce. W e wi l l p ay hazar d"; r eas onabl e ex pe ns es f or :(b ) A r i s e out of an y r equ es t , demand, (1) F i r s t ai d adm i ni s ter ed at the t i me of an or der or s t a t utory or r egu l at ory acci dent; r equi r em ent that an y ins ur ed or ot her s t es t f or , m oni tor , cl ean up, r emov e, (2) Neces s ar y m edi cal, s ur gical , X -r ay and encaps ul ate, cont a i n, tr eat, det ox i f y or dental s er v i ces , i ncludi ng pr os theti c neut r a l i ze or i n an y w a y r e s pond t o or dev i ces ; and as s es s the ef f ect s of an "as bes tos (3) Neces s ar y ambul ance, hos pi tal , hazar d"; or pr of es s i onal nur s i ng and f uner al s er v i ces . (c) A r i s e out of any cl a i m or s ui t f or 2. E xclusi on s dam ages becaus e of tes t i ng f or , W e w ill n o t p a y e xp e n s e s f o r " bodily inj ury ": m oni tor i ng, cleani n g up, r e mov i n g, encaps ul ati ng, contai n i ng , tr eati ng, a. Any I nsu red det ox i f y i ng or ne ut r a l i zi ng or i n any To an y ins ur ed, ex cept "v olunt e er w or k er s " . way r es p ondi ng t o or as s es s i ng t he b . Hi r ed P e r so nef f ect s o f an "as bes tos ha zar d" .

To a per s on hi r ed t o do wor k f or or on beha l fw. Ac cess O r Di s cl osu re Of Con f id enti al Or of an y i ns ur ed or a tenant of any i ns ur ed. P erso nal I nf o r m ati on c. I nj ur y On No rmal ly O ccupi ed Pr emises" Per s onal and ad v er ti s i ng inj ury " ar i s i ng out of any acces s to or di s cl os ur e of an y per s on's or To a per s on i nj ur ed on that par t of pr em i s es or ganiz ati on's conf i dential or per s o nal y ou o w n or r e nt t h at t h e per s on nor mal l y i nf or m ati on, i ncl u di ng patents , t r ad e s ecr ets , occupi es . pr oces s i ng met hods , cus t o m er l i s ts , f i nanci al d . Wor ker s Co mpen s ati on And S imi lar L awsi nf or m ati on, cr edi t car d i nf or m ati on, hea l t h To a per s o n, wheth er or no t a n "em plo y ee " ofi nf or m ati on or an y other ty pe of nonp ubl i c an y i ns ur ed, i f b enef i t s f or t h e " bo di ly inj ury" ar ei nf or m ati on. pa y ab l e or m us t be pr ov ide d und er a w or k er s 'Thi s ex cl us i on appli es e v en i f dam ages ar e com pens ati o n or di s a bil i t y b enef it s l a w or acl ai m ed f or noti f i cat i o n cos t s , cr edi t si m i l a r l aw .m oni tor i ng ex pe ns es , f or ens i c ex pe ns es , e. Athl etics Activiti espubl i c r el ati ons ex p ens es or an y other los s , cos t or ex pens e i ncur r ed b y y ou or ot h er s To a per s on i njur ed whi l e pr act i c i ng, ar i s i ng out of an y acces s t o or di s cl os ure of i ns t r ucti ng or par ti ci pati ng i n an y ph y s i cal any per s on's or or gan i zat ion's conf i denti al or ex er ci s es or games , s por ts , or at h l eti c per s onal i nf or m ati on. cont es ts .

HG 00 0 1 09 16 P age 9 o f 21

f . P r od ucts-Co mpleted O per atio ns H azar d as s u med by t he i ns ur ed i n the s am e "i ns ur ed cont r act" ; I ncl ud ed wi thi n t he "pr oducts -co mpl et e d d. The al l e gati ons in the "s ui t" and t h e oper ati ons hazar d". i nf or m ati on we kno w a bout t he " occur r ence "g . Co v er ag e A E x cl usi on s ar e s uch t hat no conf l i ct appear s t o ex i s t E x cl ude d u nder C ov er age A . betw e en the int er es ts of t h e i ns ur ed and the S UPPL EMENT ARY PAY M E NT S - CO VER AG ES i nt er es ts of t h e indem ni tee;A AND B e. The i ndem ni tee and the i ns ur ed as k us to1. W e wi l l p ay , wi t h r es pect to an y cl ai m we conduct and contr ol the def ens e of that i nv es t igat e or s et tl e, or an y "s ui t" agai ns t an i ndemni t ee ag ai ns t s uch " s ui t " and agr e e t ha t i ns ur ed we def end: we can as s i gn t h e s ame couns el to def end a. A ll ex pe ns es w e i ncur . t he i ns ur ed an d the i ndemni t ee ; and b. Up t o $1 , 00 0 f or cos t of bai l bon ds r equi r ed f. The i ndemni t ee : becaus e of acci dent s or tr af f i c l aw v i ol ati o ns (1) A gr ees i n wr i ti ng to: ar i s i ng o ut of the us e of an y v ehi cle to whi ch (a) Cooper ate wi th us i n t he inv es ti ga t i o n, t he Bodil y Inj ury Li ab ilit y C o v e ra g e appli es . s et tl em ent or def ens e of the " s ui t"; W e do not hav e t o f ur ni s h thes e b onds . (b ) I m m edi ately s end us co pi es of an y c. The cos t of appeal bonds or bonds to r el eas e dem ands , noti ces , s um mons es or l ega l at tachm ents , but on ly f or bond am ounts paper s r ecei v ed i n conn ecti on wi th t h e wi t h i n the app l i cable li m i t of i ns ur anc e. W e do " s ui t"; not hav e t o f ur ni s h t h es e b onds . d. A ll r eas ona bl e ex pens es i ncur r ed b y the (c) Not i f y an y other i ns ur er whos e i ns ur ed at our r e ques t to as s i s t us i n t h e cov er ag e i s av ail abl e to the i nv es t igati on or def ens e of t he cl ai m or "s ui t ", i ndemni t ee; a nd i ncl uding actua l los s of ear ni ngs up to $500 a (d ) Cooper ate wi t h us w i th r es pect today beca us e of t i me of f f r om w or k . coor di nati ng other appl i ca bl e e. A ll cour t cos t s t ax ed aga i ns t the i ns ur ed i n i ns ur ance av ail abl e to the i nd em ni tee; t he " s ui t " . Howe v er , s uch cos t s do not and
i ncl ude attor ne y s ' f ees , at tor ne y s ' ex pens es , (2) P r ov i d es us wi th w r it ten author i zati on t o: wi t n es s or ex per t f ees , or any other ex pe ns es (a) O btai n r ecor ds a nd other i nf or mat i on of a par ty t ax ed t o the i ns ur ed. r el at e d to t he "s ui t"; and f. P r ejudgm ent i nter es t awar ded agains t t he (b ) Conduct a nd co nt r o l the de f ens e of t he i ns ur ed on t hat par t of t he j udgment we pa y . I f i ndemni t ee i n s uch " s ui t". we m ake an of f er to pa y t h e appli cabl e l i m i t of i ns ur ance, w e wi ll not pa y any pr ejudgm ent S o long as the abo v e condi ti ons ar e met , i nt er es t bas e d on that per iod of ti m e af ter t he at tor ne y s ' f ees i ncur r ed by us i n t he def ens e of of f er . t hat i ndemni t ee, n eces s ar y l i ti gati on ex pe ns es i ncur r ed b y us and neces s ary l i ti gati on ex p ens es g. A ll i nter es t on the f ul l am ount of an y j u dgm ent i ncur r ed b y the i nd em ni tee at our r eques t wi l l be t hat accr ues af t er ent ry of t he judgm ent and pai d as Sup pl em entary Pay m e nt s . bef or e we ha v e p ai d, of f er ed to pa y , or Notw it hs tanding the pr o v i s i ons of Par agr aph depos i ted i n co ur t t he part of the judgm ent

2. b. (2) of Secti on I - Cov er age A - Bodi ly Inj ury t hat i s w i thin the appli cabl e l i mi t of i ns ur ance.

A nd Pr oper t y D am age Li a bi l i t y , s uch pa y mentsThes e pa y ment s wi l l not r educe the l i m i ts of wi l l not be deemed t o be dam ages f or " bodi lyi ns ur ance. i nj ury " and "pr oper ty d am age" and w il l not r educe 2. I f w e def end an i ns ur ed a gai ns t a "s ui t" and an t he l i mi t s of i ns ur ance. i ndemni t ee of the i ns ur ed i s al s o named as a O ur obl i gati o n to def en d a n i ns ur ed's indem ni tee par ty t o the "s ui t", we wi ll d ef end that i ndemni t ee and t o pa y f or at tor ne y s ' f ees and neces s ar y i f al l of t he f ol l o wi ng co ndi ti ons ar e met :
l i ti gati on ex pe ns es as S up pl em entar y P a y m ents a. The " s ui t" agai ns t t h e i ndemni t ee s eek s ends w h en: dam ages f or whi ch the i ns ur ed has as s umed a. W e hav e us ed up t h e app l i cabl e l i mi t ofth e lia b ilit y o f t h e i ndemni t ee i n a co nt r act or i ns ur ance i n the pa y m ent of j udgment s oragr eem ent that i s an "i ns ur ed cont r act"; s et tl em ents ; or b. Thi s i ns ur ance app l i es t o s uch l i ab ilit y b. The condi ti ons s et f or th ab ov e , or the t er ms ofas s u med b y t he i ns ur e d; t he agreem ent des cr i bed i n Par agr a ph f.c. The obl i g at ion to def end, or t he cos t of t he abov e, ar e no l ong er met .def ens e of , that i ndemni t ee, has al s o been P age 10 o f 21 HG 00 0 1 09 16

S ECT I ON II - WHO IS AN INS UR E D " v ol unteer w or k er " as a cons equence of Par agr aph (1)(a) abo v e; 1. I f y ou ar e des i gn at ed i n the Decl ar ati ons as :
(c) F or whi ch t her e i s an y o bl i gati on t o a. A n i nd i v i dua l , y ou and y o ur s p ous e are s har e damages w i th or r ep ay s om eone i ns ur eds , b ut on l y wi t h r es pect to t he co nduct el s e who mus t pa y damages becaus e of a bus i nes s of whi ch y ou ar e the s ol e of t he i njur y des cr i b ed i n Par agr aphsowner . (1)(a) or (1)(b ) abov e; or b. A p ar t ner s hip or j o i nt v entur e, y o u ar e an (d ) A r i s i n g out of hi s or her pr ov i d i ng or i ns ur ed. Y our m ember s , y our par tner s , and f ai l i ng to pr o v ide pr of es s i onal healt h t hei r s pous es ar e al s o ins ur eds , but only wi th car e s er v i ces . r es pect t o the con duct of y our bus i nes s .

I f y o u ar e not i n the bus i n es s of pr ov i d i ng c. A l imit e d lia b ilit y c o mp a n y, yo u a re a n pr of es s i onal heal th car e s er v i ces :i ns ur ed. Y our me mber s ar e al s o i ns ur eds , but (a) S ub par agr aphs (1)(a) , (1)(b ) and (1)(c)only wi th r es pect to t he conduct of y our bus i nes s . Y our m anager s ar e i ns ur eds , bu t abov e do not app l y to an y " em pl o y ee " only wi th r es pect to t h ei r dut ies as y our or " v ol unteer w or k er " pr ov i di n g f i r s t ai d m anager s . s er v i ces ; a nd
d. A n or ga ni zati on other than a par tner s hip, j o i nt (b) S ub par agr aph (1)(d ) abov e does not v en t ur e or l i m i ted l iabi li ty co mpany , y ou ar e apply t o an y nur s e, emer gency m edi cal an ins ur ed. Y our "ex ecuti v e of f i cer s " and t echni c i an or par am edi c empl oy ed b y di r ect or s ar e i ns ur eds , bu t only wi th res pect t o y ou to pr ov i de s uch s er v i ce s . t hei r duti es as y our of f i cer s or di r ector s . Y o ur (2) "P r o per ty dam age" t o pr op er ty :s t ock hol der s ar e al s o i ns u r eds , but only wi t h (a) O wned, occupi ed or us ed by , r es pect t o thei r l i ab ilit y a s s to c k h o ld e rs . (b ) Rent e d t o , in t h e car e, cus t od y or e. A tr us t , y o u ar e an i ns ur e d. Y our tr us t e es ar e cont r ol of , or ov er which ph y s i cal al s o ins ur eds , but o nly wi th r es pect to t he i r cont r ol i s be i ng ex er ci s ed f or an y dut ies as t r us tees . pur pos e by 2. E ach of the f ol l o w ing i s al s o an i ns ur e d: y ou , an y of y our " em pl o y e es ", " v ol unteer a. E mpl oyees An d V ol un tee r W o r ke r s wor ker s ", any par tner or me mber (i f y ou Y our " v ol unteer wor k er s " only whi le ar e a par tner s hi p or joi nt v ent ur e), or an y per f or mi ng duti es r el ated t o the con duct of m em ber (i f y ou ar e a l i m i ted l i ab ilit y y our bus i n es s , or y our "em pl o y ees ", ot h er co mpany ). t han eit her y our "ex ecut iv e of f i cer s " (i f y o u ar e b . Real Estate M an ageran or ganiz a t i o n other t h an a par tner s hi p, joi nt A n y per s o n (ot h er t h an y our "em pl o y ee " or v e n tu re o r lim ite d lia b ilit y c o mp a n y) o r yo u r " v ol unteer wor ker" ), or an y or ganiz ati on whil e m anager s (i f y ou ar e a l i mi t ed l i abil i ty act i ng as y o ur r ea l es tate m anager .co mpany ), but on ly f or acts wi t h i n the s cope c. T emp or ar y Custo di ans O f Y ou r P r op e r tyof t hei r empl oy m en t b y y ou or whi l e per f or mi ng duti es r el ated t o the con duct of A n y per s on or or ganiz a t ion h av i ng pr oper y our bus ines s . t empor ar y cus tod y of y our pr oper t y i f y o u di e, but only : Howev er , none of thes e " em pl o y ees " or " v ol unteer wor ker s " ar e ins ur eds f or : (1) W i t h r es pect t o l i ab ilit y a ri s in g o u t o f the m ai ntenance or us e of that pr oper ty ; a nd (1) "Bodi ly i nj ury " or "per s onal and adv er ti s i ng i nj ury ":
(2) Unt il y our legal r e pr es entat iv e has bee n
appoi nted.
(a) To y ou, t o y our p ar t ner s or me mber s (i f y ou ar e a par tner s hi p or j oint v entur e),
d . L egal Repr esentati v e If Y ou Di et o y o ur me mber s (i f y ou a r e a l i mi t ed Y our l ega l r epr es entati v e if y ou di e, but on l y l i abil i ty company ), t o a co -" em pl o y ee " wi t h r es pect to duti es as s uch. Thatwhi l e i n the cour s e of hi s or her r epr es ent a t iv e wi l l ha v e al l y our r ight s an d em pl o y ment or per f or m i ng du t i es dut ies un der thi s Cov er age Par t . r el at e d to t h e con duct of y o ur e. Un named S ubsi di a r ybus i nes s , or t o y our othe r " v o l unteer wor ker s " w hil e per f or m i ng duti es A n y s ubs i di ary , and s ub s i di ary ther eof , of r el at e d to t h e con duct of y o ur y our s w h i ch i s a l ega l ly i ncor por ated enti t y of bus i nes s ; whi ch y ou o w n a f i nanci a l i n t er es t of m or e t han 50% of t he v oti ng s t o c k on t he ef f ecti v e (b ) To the s po us e, chil d, par e nt, br other or dat e of t he Cov er age Par t. s i s t er of that co-" em pl o y ee" or that HG 00 0 1 0 9 16 P age 11 o f 21

The i ns ur ance af f or ded her ei n f or an y A per s on or or ga ni zati on i s an ad di ti onal i ns ur e d s ubs i di ary n ot named i n thi s Co v er ag e Par t under t h i s pr ov i s i on only f or t hat per i od of ti me as a nam ed i ns ur ed does not a pply to i njur y r equi r ed b y the contr act or agr eem ent. or dam age wi t h r es pect t o whi ch s uch i ns ur ed Howev er , no s uch per s on or or ga ni zati on i s an i s al s o a nam ed i ns ur ed under another pol i c y i ns ur ed under t hi s pr ov i s ion i f s uch per s on or or woul d be a named i ns ur ed un der s uch or ganiz ati on i s i ncl ud ed as an ins ur ed b y an pol i c y but f or i ts ter m i nati on or t he ex haus ti on endor s em ent i s s ue d b y us and m ade a p ar t ofof i ts l i mi t s of i ns ur ance. t hi s Cov er age Par t .

3. Newl y Acqui r ed O r Fo r me d O r gan izati on a. V end or s A n y or ganiz ati o n y ou ne wl y acqu i r e or f or m, A n y per s on(s ) or or ganiz a t i on(s ) (r ef er r ed toot her than a par tner s hi p, joi nt v entur e or l i mi t ed bel o w as v endor ), but on l y wi th r es pect to l i abil i ty company , and ov er whi ch y ou m ai ntai n " bodil y i njury " or " pr oper ty d am age " ar i s i ng f i nanci al i nter es t of mor e than 50% of t h e v oti ng out of "y our pr oducts " w h i ch ar e di s tr i buted or s t ock , wi l l qua l i f y as a Named Ins ur ed i f t her e i s s ol d in the r egul ar cour s e of the v end or 'sno other s i m i l ar i ns ur an ce av ai labl e to that bus i nes s and o nly i f t h i s Cov er age Par t or ganiz ati on. Howev er : pr ov i des cov er age f or "bodi ly i nj ury " or a. Cov er age und er t hi s pr o v i s i on i s af f or ded on l y " pr oper ty dam age " i ncl uded wi thi n the unt il the 180th da y af t er y ou acq ui r e or f or m " pr oducts -co mpl et ed op er ati ons h azar d". t he or ga ni zati on or t he end of t he poli cy
(1) The i ns ur ance af f or ded the v end or i s
per i od, whi che v er i s ear l i er ; s ubj ect to the f ol l o w ing a ddi ti ona l b. Cov er age A does not apply to " bodil y i nj ury " ex cl us i ons :
or " pr oper ty dam age " t ha t occur r ed bef or e Thi s i ns ur ance does not a pply t o:y ou acqu i r ed or f or m ed t he or gan i zat ion; and (a) " Bodi ly i njury " or "pr oper ty dam age" f orc. Cov er age B does no t ap pl y t o "per s ona l and whi ch the v end or is ob l i gated to pa y adv er t i s ing i nj ury " ar i s i ng out of an of f ens e dam ages by r eas on of the as s u mpt i on co m mi t ted bef or e y ou acqui r ed or f or m ed t he of l i abi li ty i n a contr act or agr eem ent. or ganiz ati on. Thi s ex cl us i on do es no t ap ply to

4. No no wned Water cr af t l i abil i ty f or dam ages that the v end or woul d h av e i n the abs e nce of t he W i t h r es pect t o wat er cr af t y ou do not o w n t h at i s cont r act or agr eement ;l es s t han 51 f eet l ong and i s not bei n g us ed t o (b ) A n y ex pr es s war r ant y una ut hor i zed b y car r y per s ons f or a char ge, a ny per s on i s an i ns ur ed whi l e oper ati n g s uch wat er cr af t wi th y our y ou ; per m i s s i on. A n y ot h er per s on or or g aniz ati on (c) A n y ph y s i cal or chemi cal c hange i n t h e r es pons i bl e f or the conduct of s uch per s on i s pr oduct made i ntenti on al ly b y t he al s o an ins ur ed, but o nly wi th r es pect t o l i abil i ty v en dor ;ar i s i ng out of t he oper ati o n of the w ater cr af t, and (d ) Repackagi ng , ex cept when unpack edonly i f no other ins ur ance o f an y ki nd i s av ail abl e s ol ely f or the pur pos e of i ns p ect i o n, t o t h at per s on or organiz ati on f or thi s l i abil i ty . dem ons tr at i on, t es ti ng, or the Howev er , no per s on or or ganiz ati o n i s an i ns ur ed s ubs t i tuti on of par ts under i ns t r ucti ons wi t h r es pect to: f r o m t he m anuf actur er , and then a. " Bodi ly i nj ury" to a co-"em pl o y ee" of the r epackaged i n t h e or igi nal contai ner ; per s on o per ati ng t h e w ater cr af t; or (e) A n y f ail ur e to m ak e s uch i ns pecti ons , b. " P r o per ty d am age " t o pr oper t y o w ne d b y , adj us tm ents , t es ts or s er v i ci ng as t h e r ent ed t o, i n t he char ge of or occupied b y y ou v en dor has agr eed to m ake or nor mal l y or t he em pl o y er of an y per s on who i s an under takes t o m ake i n the us ual i ns ur ed under t h i s pr o v i s ion. cour s e of bus i nes s , i n con nect i o n w i th t he di s tr i buti on or s al e of the pr oducts ;

5. Add iti on al I nsur eds When Requ ir ed B y
Wr itten Con tr act, Wr itten Agr ee men t Or (f ) Dem ons tr at i on, ins t all ati on, s er v i ci ng Pe rm it or r epai r oper ati ons , e x cept s uch
oper ati ons per f or med at the v en dor 's The f ol l o wi ng per s on(s ) or or ganiz ati on(s ) ar e an pr em i s es i n connecti on wi th the s al e of addi ti ona l ins ur ed w h en you ha v e agr ee d , in a t he pr oduct;w r it ten contr act , wr i tt e n agr eement or becaus e of (g ) P r oducts w h i ch, af t er di s tr i buti on or a per mi t i s s ued b y a s tate or po l i ti cal s ubdiv i s ion, t hat s uch per s on or or ganiz ati on b e added as an s al e by y ou, hav e been l a bel ed or addi ti ona l i ns ur e d on y o ur pol i c y , pr ov i ded t h e r el abeled or us ed as a co nt ainer , par t i nj ury or dam age occur s s ubs equen t t o t he or i ngr ed i ent of any ot h er thi ng or ex ecut i o n of t he contr act or agr eem ent. s ubs t ance b y or f or t he v endor ; or P age 12 o f 21 HG 00 0 1 09 16

(h ) " Bodi ly i nj ury " or "pr oper ty damage" om i s s i ons of thos e acti ng on y o ur be hal f :
ar i s i ng out of the s ol e negli gence of t he (1) I n connecti on wi th y o ur pr e m i s es ; or v en dor f or i ts o wn act s or om i s s i ons or (2) I n t he per f or m ance of y our ongo i ng t hos e of i ts em pl o y ees or any o ne el s e oper ati ons per f or m ed b y y o u or on y our act i ng on it s be hal f . H owev er , t h i s behal f .ex cl us i on does not ap ply to: W i t h r es pect t o the i ns ur a nce af f or ded t hes e (i ) The ex cepti ons contai ned i n Sub- addi ti ona l i ns ur eds , the f ol l o w ing add i t ional par agr aphs ( d) or ( f) ;o r ex cl us i on appli es :(i i) Such i ns pecti ons , adjus t ment s , Thi s i ns ur ance do es n ot app ly to "bodil y t es ts or s er v i ci ng as the v e ndor has i nj ury ", "pr oper ty d am age " or " per s onal and agr eed t o m ake or nor m al ly adv er t i s ing i njur y " ar i s i ng o ut of the r end er i ng under takes to ma k e i n t he us ua l of or t he f ai l ur e to r ender an y pr of es s i onal cour s e of bus i nes s , i n co nnect ion s er v i ces b y or f or y ou, i ncl u di ng:wi t h the d i s t r i b ut ion or s ale of t he 1. The pr epar ing, appr o v ing, or f ai l i ng to pr oduct s . pr epar e or approv e, m aps , s hop dr awi n gs , (2) Thi s i ns ur ance do es n ot app ly to an y opi ni o ns , r epor ts , s ur v e y s , f i el d or der s , i ns ur ed per s on or or g aniz ati on, f r om change or der s or dr awi n gs and whom y o u hav e acqui r e d s uch pr oduct s , s peci f i cat i o ns ; oror an y ingr edient , p ar t or cont ai n er , 2. S up er v i s or y , i ns pecti on, ar chi tect ur a l or ent er ing i nto, accompany i n g or contai ning engi ne er i ng act iv i t ies .s uch pr oducts .

Thi s ex cl us i on a ppl i es e v en i f t h e clai m sb . L essor s O f Eq ui pmen t agai ns t an y i ns ur ed al lege negli gence or (1) A n y per s on (s ) or or ganiz ati on(s ) f r o m ot her wr ong doi ng i n the s uper v i s i o n, hi r ing, whom y ou l eas e equipm ent; but on l y wi t h em pl o y ment , tr ai n i ng or m oni tor i n g of ot h er sr es pect t o thei r l i ab ilit y f o r "bodily inj ury ", by that i ns ur ed, i f t he "occur r ence" w h i ch "pr oper ty damage" or "per s onal and caus ed t h e "bodi ly inj u r y " or "pr oper ty adv er t i s ing i njur y" caus ed, i n whol e or i n dam age", or the of f ens e whi ch caus ed t h e par t , b y y our m ai ntenanc e, oper ati on or " per s onal and ad v er ti s i ng inj ury ", i n v o l v ed the us e of equipm ent l eas ed to y ou by s uch r ender i ng of or the f ai l ur e to r ender an y per s on(s ) or or ga ni zati on(s ). pr of es s i onal s er v i c es b y or f or y o u.(2) W i t h r es pect t o the i ns ur ance af f or ded t o e. P er m i ts I ssued By S t ate Or Po li tical t hes e a ddi ti ona l i ns ur eds t hi s ins ur ance S ub di v i sio nsdoes not apply to an y "occur r ence" whi ch A n y s tat e or poli t i ca l s ubdiv i s i on, but only wi t h t ak es pl ace af t er t he eq ui pm ent l e as e r es pect to oper ati o ns per f or med by y o u or on ex pi r es . y our b ehal f f or whi ch the s tat e or po l i ti cal c. L essor s O f L and O r P remises s ubdi v i s i on has i s s ued a per m i t. A n y per s on or or ga ni zati on f r om w hom y ou W i t h r es pect t o the i ns ur ance af f or ded thes el eas e l and or pr em i s es , but only wi th r es pect addi ti ona l ins ur eds , thi s ins ur ance does not t o l iabi li ty ar i s i n g out of the ow n er s hi p, apply t o:m ai ntenance or us e of t hat par t of the l an d or (1) "Bodi ly i njur y ", "pr oper ty dam age" orpr em i s es l eas ed to y o u. "per s onal and a dv er t i s ing i njury " ar i s i ng W i t h r es pect t o the i ns ur a nce af f or ded t hes e out of oper ati o ns per f or med f or t he s tat e addi ti ona l i ns ur eds the f ol l o w ing add i t ional or muni ci pal i t y ; orex cl us i ons apply : (2) "Bodi ly i njur y " or "pr oper ty damage"Thi s i ns ur ance does not a pply t o: i ncl uded wi thi n the "pr oducts -co mpl et ed 1. A n y "occur r ence" w h i ch tak es pl ace af t er oper ati o ns ha z ar d " .y ou ceas e to leas e that l and; or f . Any Oth e r P ar t y2. S tr uct ur a l al ter at ions , ne w cons t r ucti on or A n y other per s on or or g aniz ati on who i s n ot dem ol i ti on oper ati ons per f or med by or on an addi ti on al i ns ur ed u nder P ar agr a phs a.behal f of s uch per s on or or gan i zat ion. t hr oug h e . abov e, but on l y wi th r es pect to d . Arch itects, E ng ineer s Or S ur ve y or s l i abil i ty f or " bodily i nj ury ", "pr oper ty d am age" A n y ar chi tect , en gi neer , or s ur v ey or, but only or "per s onal and adv er ti s i n g i njur y " caus ed, i n wi t h r es pect t o l i ab ilit y fo r "b o d il y i njur y", whol e or i n par t, b y y our a ct s or omi s s i ons or " pr oper ty dam age " or " per s onal a nd t he acts or o mi s s i ons of thos e act i ng o n y our adv er t i s ing inj ury " caus ed, in who l e or i n par t , behal f :
by y o ur act s or om i s s i ons or the act s or
(1) I n t he per f or m ance of y our ongo i ng
oper ati ons ;
HG 00 0 1 0 9 16 P age 13 o f 21

(2) I n connecti on wi t h y our p r em i s es ow n ed No per s on or or gan i zati on is an i ns ur ed w i th r es pect by or r ent e d to y o u; or t o the con duct of an y curr ent or pas t p ar t ner s h i p, j oi nt v ent ur e or li m i ted l i a bi l i t y compan y that i s not (3) I n connecti on wi t h "y our wor k " and s hown as a Nam ed I ns ur e d i n the Decl ar a t i o ns . i ncl uded wi thi n the "pr oducts -co mpl et ed S ECT I ON II I - L IMIT S O F I NSUR ANCE oper ati ons hazar d " , but o nl y i f (a) The wr i t ten contr act or agr eem ent 1. T h e M o st We W i ll P a y r equi r es y ou t o pr ov i de s uch cov er age The Li mi t s of Ins ur ance s ho w n i n t h e t o s uch a ddi ti ona l ins ur ed; and Decl ar ati ons and the r ul es below f i x t he m os t w e (b ) Thi s Cov er a ge Par t prov i des cov er age w ill p a y r egar dl es s of the number of :
f or "bodi ly i njur y " or "pr oper ty damage" a. I ns ur eds ; i ncl uded wi thi n t h e " pr oduct s - b. Cl ai ms m ade or "s ui t s " br ought; or co mpl et e d op er at ions h azar d". c. P er s ons or organiz ati ons ma k i ng cl ai ms orHowev er : br i ngi n g "s ui ts " . (1) The i ns ur ance af f or ded to s uch addi ti on al 2. G ener al Agg r egate L imi ti ns ur ed o nly app l i es to the ex t ent The Gener al Aggr eg at e Lim i t i s t he mos t w e w il l per m i tt ed b y law; and pay f or the s um of :(2) I f cov er age pr ov i ded to t he addi ti on al a. M ed i cal ex pens es under Cov er age C;i ns ur ed i s r equi red b y a contr act or agr eem ent, t he i ns ur a nce a f f or ded t o s uch b. Dam ages under Co v erage A, ex cept addi ti ona l i ns ur e d wi ll not b e br oader t h an dam ages becaus e of " bodi ly i nj ury " or t hat whi ch y o u ar e r equ i r ed by the co nt r act " pr oper ty damage" i ncl ud ed i n t he "pr oduct s -or agr e em ent to pr o v i de f or s uch co mpl et e d op er at ions h azar d"; and addi ti ona l ins ur ed. c. Dam ages under C ov er age B. W i t h r es pect t o t he i ns u r ance af f or ded t o 3. P r od ucts-Co mpleted O per ati on s Ag gr egate t hes e ad di ti ona l i ns ur eds , thi s i ns ur ance do es L imi tnot app l y to:

The Pr oduct s -Com pl eted Oper at ions Aggr e gat e " Bodi ly i nj ury" , " pr operty damage" or Li m it i s the m os t w e wil l pa y under Cov er age A" per s onal and adv er ti s i ng i njur y" ar i s i n g out of f or dam ages becaus e of " bodily i njur y" and t he r end er i ng of , or t he f ai lur e t o r end er , an y "pr oper ty dam age" i ncl ud ed i n the "pr oducts -pr of es s i onal ar chi tectur al , engi ne er i ng or co mpl et e d op er at ions h azar d " . s ur v e y i n g s er v i ces , incl udi n g:

4. P erso nal An d Adve r ti sin g I nj ur y Li m i t(1) The pr epar ing, appr o v ing, or f ai l i ng to S ubject to 2. abo v e, the P er s on al and pr epar e or approv e, m aps , s hop dr awi n gs , A d v er ti s i ng I nj ury Li mi t i s the m os t w e wi l l pa y opi ni o ns , r epor ts , s ur v e y s , f i eld or der s , under Co v er a ge B f or the s um of al l damageschange or der s or dr awi n gs and becaus e of al l "per s ona l and ad v er ti s i ng inj ury "s peci f i cat i o ns ; or s us t ai ne d b y an y one per s on or or g ani zati on. (2) S up er v i s or y , i ns pecti on, ar chi tect ur a l or

5. E ach Occur r ence L imi tengi ne er i ng act iv i t ies .

S ubject to 2. or 3. abov e, whi chev er appli es , the Thi s ex cl us i on a ppl i es e v en i f t h e clai m s E ac h O ccur r ence L i m i t i s t h e m os t w e w ill p a y f o r agai ns t an y i ns ur ed al lege negli gence or t he s um of :ot her wr ong doi ng i n the s uper v i s i o n, hi r ing, em pl o y ment , tr ai n i ng or m oni tor i n g of ot h er s a. Dam ages under C ov er age A; and by that i ns ur ed, i f t he "occur r ence" w h i ch b. M ed i cal ex pens es under Cov er age Ccaus ed t h e "bodi ly inj u r y " or "pr oper ty becaus e of al l "bodil y inj ury " and "pr oper ty dam age", or the of f ens e whi ch caus ed the dam age" ar i s i ng out of an y one " occur r ence " . " per s onal and ad v er ti s i ng inj ury ", i n v o l v ed the r ender i ng of or the f ai l ur e to r ender an y 6. Damag e T o P remi s es R ented T o Y o u L imi t pr of es s i onal s er v i c es b y or f or y o u. S ubject to 5. abo v e, the Dam age To Pr em i s es The l i m i ts of i ns ur ance that apply to a ddi ti ona l Rent e d To Y ou Li mi t i s the mos t w e wi l l pa y i ns ur eds i s des cr i bed i n S ecti on II I -L i m i t sO f under C ov er age A f or d am ages becaus e of I ns ur ance. "pr oper ty dam age" t o a ny one pr emi s es , whi le r ent ed to y o u, or i n t h e ca s e of dam age b y f i r e, How thi s i ns ur ance ap pl i es when other i ns ur ance l i ghtni ng or ex p l os i on, whi l e r en t ed to y ou or i s av ai l a bl e to the ad di ti on al i ns ur e d i s des cr i be d t empor ar i l y occupied b y you wi t h per mi s s i on of i n the O ther I ns ur a nce C ondi ti o n i n S ecti on IV - t he owner . Com m er ci al Gener al Liabi l ity C ondi ti ons .

P age 14 o f 21 HG 00 0 1 09 16

b . No tice Of ClaimI n the cas e of damage by f i r e, l ight n i ng or ex pl os i on, t he Damage to P r emi s es Rented To I f a cl ai m i s m ade or "s ui t " i s br ought a gai ns t Y ou Li mi t appli es to al l damage pr ox i mat ely any i ns ur e d, y ou or an y add i t ional i ns ur ed caus ed b y the s am e ev en t , w hether s uch mu s t:dam age r es ul t s f r om f i r e, l i g ht n i ng or ex p l os i on (1) I m m edi ately r ecor d the s peci f i cs of t he or an y com bi nati on of t hes e. cl ai m or " s ui t" and the d at e r ecei v ed; and 7. Medi cal Exp ense L imi t (2) Not i f y us as s oon as pr acti cable. S ubject to 5. abov e, the Medi cal E x p ens e Li mi t i s Y ou or an y addi ti on al i ns u r ed m us t s ee to i t t he mos t we w il l pa y und er Cov er a ge C fo r a l l t hat we r eceiv e wr i tt e n no ti ce of t he cl ai m orm edi cal ex pens es b ecaus e of "bodi ly inj ury " " s ui t" as s o on as pr acti cable.s us t ai ne d b y an y one per s on. c. As si stance And Coo per ati on Of T h e8. Ho w L imi ts App ly T o Ad diti on al In sur eds I nsu r edI f y ou h av e agr eed i n a w r itt en contr act or wr i tt e n Y ou and an y other i nv ol v ed i ns ur ed m us t: agr eem ent t h at a not h er per s on or organiz ati on (1) I m m edi ately s end us copies of an y be add ed as an add i t ional i ns ur ed on y our poli cy , dem ands , not i ces , s um m ons es or l ega l t he mos t we wi l l pa y on b ehal f of s uch addi ti ona l paper s r eceiv ed i n connecti on wi t h t h e i ns ur ed i s the l es s er of :
cl ai m or " s ui t"; a. The l i m i ts of i ns ur ance s pe ci f i ed i n the wr i tt en (2) A uthor iz e us to obtai n r ecor ds and other cont r act or wr i tt en agr e em ent ; or i nf or m ati on; b. The Li m i ts of I ns ur ance s ho wn i n the (3) Cooper ate w it h us i n t h e inv es ti ga t i o n or Decl ar ati ons . s et tl em ent of t he cl ai m or def ens e agai ns t S uch amount s hal l be a par t of and not i n t he " s ui t"; and addi ti on to Li m i ts of I ns ur ance s h own i n t h e (4) A s s i s t us , upo n our r e ques t , i n th eDecl ar ati ons and des cr i bed i n thi s S ecti on. enf or cement of an y r ight aga i ns t a n y per s o nThe Li m i ts of I ns ur ance of thi s Cov er age P ar t app l y or or ga niz a ti on whi ch may be li ab l e to thes epar at e ly t o each cons ec ut iv e annua l per i o d and t o i ns ured beca us e of i njury or d am ag e toany rem ai ni ng per i od of l es s t ha n 12 mont hs , w h i ch t hi s i n s u r a n ce m ay al so ap p l y .s t ar ti ng wi th the b egi nn i ng of the po l i c y per i od d . O bl ig atio ns At T h e I nsu r e d s O wn Costs hown i n t he Decl ar ati ons , un l es s t h e poli cy per i od i s ex tende d af ter i s s uance f or an a ddi ti ona l p er i od of No i ns ur ed wi ll , ex cept at t hat i ns ur e d's own l es s t ha n 12 mont hs . I n t hat cas e, t h e addit i o nal cos t , v o l untar i ly ma k e a pa y ment, as s um eper i od w il l be deem ed p ar t of t he las t pr eced i ng any obli gati on, or incur an y ex pens e, o t her per i od f or pur pos es of deter m i ni ng the L i m i ts of t han f or f i r s t ai d , wi thout o ur cons ent . I ns ur ance. e. Add iti on al I nsu red s O ther I nsu r ance S ECT I ON IV - COMME RCIAL GENE R AL I f we cov er a cl ai m or "s ui t" under thi s L IAB I LI T Y CO NDIT I ONS Cov er age P ar t that may a l s o be cov er ed b y 1. Ban kr up tc y ot her ins ur ance av ai labl e t o an ad di ti onal B ank r upt c y or i ns o l v enc y of the i ns ur ed or of t he i ns ur ed, s uch addi ti on al i n s ur ed m us t s ubmi t i ns ur ed's es tate wi l l not r el i ev e us of our s uch cl ai m or "s ui t" to t h e ot h er i ns ur er f or obl i ga t i o ns under t h i s Co v e r age P ar t. def ens e an d indem ni t y .

2. Du ties In T h e E v en t O f O ccur r ence, O f f ense, Howev er , t h i s pr ov i s i o n do es not ap ply to the Cl aim Or S ui t ex t ent that y o u hav e a gr eed i n a wr i tt en a. No tice Of Occu rr en c e Or O f f ense cont r act or wr i t ten agr eement t hat thi s i ns ur ance i s pr i m ary and no n-cont r ibutor y Y ou or an y ad di ti onal i ns ur ed mus t s ee t o i t wi t h the addi ti on al i ns ur ed 's o w n i ns ur a nce. t hat we are no t i f i ed as s oon as pr acti cab l e of an "occur r ence" or an of f ens e whi ch may f . Kn owl edg e Of An O c cur r en c e, Of f en se, r es ul t i n a cl ai m. To t he ex t ent pos s ibl e, Cl aim Or S ui t not i ce s hou l d i ncl ude : P ar agr a phs a. and b. apply to y o u or t o an y (1) How, when a nd wher e t h e " occur r ence" or addi ti ona l ins ur ed o nl y whe n s uch of f ens e took pl ace; " occur r ence", of f ens e, cl ai m or " s ui t" i s k now n to :(2) The nam es and addr es s es of an y i njur ed
per s ons an d wi t nes s es ; a nd (1) Y ou or an y ad di ti ona l i ns ur ed that i s a n (3) The nat ur e and l ocati on of an y inj ury or i ndi v i d ual ; dam age ar i s ing out of the " occur r ence" or (2) A n y p ar t ner , i f y ou or t he addi ti on al of f ens e. i ns ur ed i s a par tner s hi p; HG 00 0 1 0 9 16 P age 15 o f 21

(3) A n y m anager , i f y ou or t he addi ti o nal (3) T en ant Li abi li ty i ns ur ed i s a l i mi t ed l iabi li ty com pan y ; That i s ins ur ance pur ch as ed b y y o u to (4) A n y " ex ecuti v e of f i cer " or i ns ur ance cov er y our l i abil i ty as a t en ant f or m anager , i f y ou or t he addi ti on al i ns ur ed i s " pr oper ty damage" t o pr emi s es r ent ed t o a cor por ati on ; y ou or t empor ar i ly occupi ed b y y o u w it h per m i s s i on of the o wner ;
(5) A n y tr us t ee, i f y ou or t he addi ti on al
(4) Air c r af t, Au to Or W ater craf ti ns ur ed i s a t rus t ; or (6) A n y e l ect e d or ap poi nted of f i ci al , i f y o u or I f t he l os s ar i s es out of t he m ai ntenance or t he addit i o nal i ns ur ed i s a po l i ti cal us e of ai r cr af t , "aut os " or water cr af t t o t he s ubdi v i s i on or publi c enti t y . ex t ent no t s ubj ect to Ex cl us i on g. of S ecti on
I - Cov er ag e A - Bodi ly I njury A nd Thi s duty appli es s epar ately to y o u an d an y P r oper t y D am age Li abil i ty ; addi ti ona l ins ur ed. (5) P r op e r ty Dam ag e T o Bo r r owed 3. L egal Acti on Agai nst U s E qu ip ment Or U se Of Elev ato r sNo per s on or or gan i zat ion has a r i ght under t h i s I f t he l os s ar i s es out of "pr oper t y damage"Cov er age P ar t: t o bor r o wed equ i pm ent or t he us e ofa. To j oi n us as a p ar ty or ot herwi s e br i ng us el ev ator s t o the ex tent not s ubj ect t o i nt o a " s ui t" as ki ng f or dam ages f r o m an E x cl us i o n j. of S ecti on I - Cov er age A -i ns ur ed; or B od i ly Inj ury A n d Pr oper ty Damage b. To s ue us on t hi s Cov er ag e P ar t unl es s all of Li abil i ty ; i t s t er ms hav e b een f ully co m pl i ed wi th. (6) When Y ou Ar e Ad ded As An Add iti on al A p er s on or or ga ni zati on m ay s ue us t o r ecov er I nsu r ed T o Oth er I nsu rance on an agr eed s ettl em ent or on a f i nal judgm ent A n y ot h er i ns ur a nce a v ai l ab l e to y o u agai ns t an i ns ur ed; but w e wi ll not be l i ab l e f or cov er ing l i abil i ty f or damages ar i s ing o ut dam ages that ar e n ot p ay a bl e und er t he ter m s of of t he pr emi s es or oper ati ons , or pr oductst hi s Cov er ag e P ar t or that ar e i n ex ces s of t he and com pl eted oper ati ons , f or whi ch y o u appl i cab l e l i m i t of i ns ur ance. A n agr ee d hav e b een added as an ad di ti onal i ns ur e d s et tl em ent m eans a s ett lement and r eleas e of by that i ns ur a nce; orl i abil i ty s i gn ed by us , the i ns ur ed an d the (7) When Y o u Ad d Oth er s As An cl ai m ant or t h e cl a i m ant's l ega l r epr es e nt ati v e. Add iti on al I nsu red T o T hi s I nsu ran ce4. O ther In sur ance A n y other i ns ur ance av ai labl e to a n I f other v ali d and col lect i b l e i ns ur ance i s addi ti ona l ins ur ed.av a i l ab l e to the i ns ur ed f or a l os s w e cov er und er Howev er , the f oll owi ng pr ov i s i ons app l y to Cov er ages A or B of t his Cov erage Par t , our ot her i ns ur ance av ai l ab l e to any per s on orobl i ga t i o ns ar e l i mi t ed as f ol l ows : or ganiz ati on who i s an ad di ti onal i ns ur ed a. P r imary In sur ance under thi s cov er age par t.

Thi s i ns ur ance i s pr i mar y ex cept when b. (a) P r imary In sur ance When Requ ir ed bel o w a ppl i es . I f other ins ur ance i s al s o By Con tr a ctpr i m ary , we wi l l s hare wi th all that ot h er Thi s i ns ur ance i s pr i m ary i f y ou ha v e i ns ur ance b y the met hod des cr i b ed i n c. agr eed i n a wr i t ten cont r a ct or wr i t ten bel o w . agr eem ent that t h i s i ns ur ance be b . E xc ess I nsu ran ce pr i m ary . I f other i ns urance i s al s o Thi s i ns ur ance i s ex ces s ov er an y of t he other pr i m ary , we wi l l s h ar e wi th all that i ns ur ance, w h et her p r i m ar y , ex ces s , ot her i ns ur ance b y the m ethod cont i n gent or on any other bas i s : des cr i bed i n c. bel o w . (1) Y o ur W o r k (b ) P r imary And No n-Co ntr ib uto r y T o O ther In sur ance When Requ ir ed B y That i s Fi r e, E x tende d Co v er age, Bui lder 's Co ntr actRi s k, I ns tal l ati on Ri s k or s i mi l ar cov er age f or "y our wor k " ; I f y ou hav e agr eed i n a wr i t ten cont r act, w r i tten agr eement , or per m i t(2) P r em i se s Rented T o Y o u t hat t h i s i ns ur ance i s pr i ma ry a nd non-That i s f i r e, l i ghtni ng or ex pl os i on cont r i bu t ory wi th the add i t ional i ns ur ance f or pr em i s es r e nted t o y ou or i ns ur ed's o wn i ns ur ance, thi s i ns ur ance t empor ar i l y occu pi ed b y y ou wi t h i s pr i mar y an d w e wi ll not s eekper m i s s i on of the o wner ; cont r i bu t ion f r om that ot her i ns ur ance .

P age 16 o f 21 HG 00 0 1 09 16

P ar agr a phs (a) and (b ) do not ap ply to co mput ati on, a nd s en d u s copi es at s uch ot her i ns ur ance to whi ch t he add i t ional t i mes as w e m a y r eq ues t . i ns ur ed has be en a dded as an add i ti onal 6. Rep r e sen tatio ns i ns ur ed. a. When Y o u Accept T hi s Po li c y
W hen thi s i ns urance i s ex ces s , we wi l l hav e By accept ing thi s poli cy , y o u agr ee: no d uty under Co v er ag es A or B t o def en d (1) The s t atem ents i n t he D ecl ar ati ons ar e t he i ns ur e d aga i ns t an y " s ui t" i f an y other accur at e and com pl ete; i ns ur er has a d uty to d ef end t h e i ns ur ed agai ns t that " s ui t". If no other i ns ur er def ends , (2) Thos e s tat em ents ar e bas ed up on we wil l u nder t ak e to do s o, but w e wi ll be r epr es ent a t i o ns y ou m ade to us ; a nd ent it l e d t o the ins ur ed's r i ghts agai ns t all (3) W e hav e i s s ued thi s po l i c y in r eli ance t hos e other i ns ur er s . upon y o ur r epr es e nt ati o ns . W hen thi s ins ur ance i s ex ces s ov er o t her b . Un in tenti on al Fai lu re T o Discl ose Hazar dsi ns ur ance, we wi l l pa y only o ur s har e of the I f uni nt e nt ional ly y ou s ho ul d f ai l to di s cl os e all am ount of t he l os s , i f an y , t hat ex ceeds t he hazar ds r el ati ng to the conduct of y our su m o f :
bus i nes s that ex i s t at the i ncepti on dat e of(1) The t otal am ount t h at al l s uch other t hi s C ov er age Par t, we s hall not de ny i ns ur ance would pa y f or the l os s i n the cov er ag e u nder thi s Cov er age Par t becaus e abs ence of thi s ins ur ance; and of s uch f ai l ur e.(2) The tot al of al l deducti bl e and s el f -i ns ur ed 7. S epar atio n Of In sur e d s am ounts under al l that othe r i ns ur ance.

E x cept w it h r es pect to the Li m i ts of I ns ur ance, W e wi l l s har e the r emai ni n g los s , i f an y , wi t h and an y r i ghts or dut i es s peci f i call y as s i g ned i n any other i ns ur ance t h at i s not des cr i bed i n t hi s Cov er ag e P ar t t o the f i r s t Na med I ns ur ed, t hi s E x ces s I ns ur a nce pr o v i s ion and was n ot t hi s i ns ur ance app l i es : bought s peci f i cal ly to apply i n ex ces s of t he Li m i ts of I ns ur ance s hown i n t he Decl ar a t i o ns a. A s i f each Nam ed I ns ur ed wer e the only of thi s Co v er a ge P ar t. Nam ed I ns ur ed; a nd
c. Meth od O f S har i ng b. S ep ar at e l y to each i ns ured a gai ns t whom I f al l of the other i ns ur ance per mi t s cl ai m i s m ade or "s ui t" i s br ought. cont r i bu t ion b y equal s har es , we wi l l f ol l o w 8. T r an sf er O f Ri gh ts O f Recovery Agai nst t hi s m ethod al s o. Und er thi s appr o ach each O ther s T o Us i ns ur er contr i butes equal a m ounts unti l it has a. T r an sf er O f Rig hts Of Rec o v er ypai d i t s app l i cabl e l i mi t of i ns ur ance or none I f t he i ns ur ed has r i gh t s t o r ecov er a l l or par t of the los s r emai ns , w h i chev er comes f i r s t. of any p ay m ent, i ncl ud i ng Supp l em entar y I f an y of t he other i ns ur an ce does not p er m i t P a y m ents , we hav e made under t hi s cont r i bu t ion b y eq ual s har es , w e wi l l Cov er age P ar t, thos e ri ghts ar e t r ans f er r ed t o cont r i bu t e by l i mi t s . Under thi s met hod, each us . The i ns ur ed mus t do n ot hing af ter l os s t oi ns ur er 's s har e i s bas ed on t h e r at io of i t s i m pai r t hem. A t our r eque s t , the i ns ur ed wi l l appl i cab l e l i mi t of i ns ur ance t o the total br i ng " s ui t" or tr ans f er thos e r i ghts to us and appl i cab l e l i m i ts of i ns ur ance of all ins ur er s . hel p us e nf or ce them .5. P r em i um Aud it b . Waiver Of Ri gh ts O f Reco v er y (W ai v er O f a. W e wi l l com pute al l pr emi u m s f or thi s S ub r og atio n)Cov er age Par t i n accor da nce wi th our r ul es I f the i ns ur ed h as wai v ed a ny ri ghts ofand r ates . r ecov ery agai ns t a ny per s on or or ga ni zati on b. P r emi u m s how n i n t h i s Cov er age Par t as f or al l or par t of an y p ay m ent, i ncludi ng adv ance pr emi um i s a depos i t pr em i um only . S up pl ement ary Pa y ment s , w e hav e madeA t the cl os e of each au di t per iod we wi l l under t h i s Cov er age Par t, we al s o wai v e t h at co mput e the ear ned pr emi um f or that per i od r i ght , pr o v i d ed the i ns ur ed waiv ed t he i r r i ghts and s end noti ce to the f i r s t Nam ed Ins ur ed. of r ecov ery a gai ns t s uch p er s on or The due date f or audit and r etr os pecti v e or ganiz ati on i n a cont ract, agr eem ent orpr em i um s i s the date s hown as the due date per m i t that was ex ecut e d p r i or to the i njury or on the bi ll . If the s um of the adv ance and dam age.audi t pr em i um s pai d f or t he po l i cy per i od i s

9. When We Do No t Ren ew gr eat er t h an the ear ned pr emi u m, w e wi l l r et ur n t h e ex ces s t o the f i r s t Named Ins ur ed. I f w e deci de not t o r ene w thi s Cov er ag e Par t , w e c. The f i r s t Nam ed Ins ur ed m us t keep r ecor ds of wi l l mai l or de l i v er to t h e f i r s t Nam ed Ins ur ed t he i nf or m ati on we ne ed f or pr e mi u m s hown in the D ecl ar ati ons wr i tt en noti ce of the HG 00 0 1 0 9 16 P age 17 o f 21

c. A ll other par ts of t h e wor l d i f t he i nj ury or nonr ene w a l not les s than 30 da y s bef or e t h e ex pi r ati on date. dam age ar i s es ou t of :
(1) G oods or pr oducts made or s ol d b y y ou i n I f noti ce i s m ai l ed, pr oo f of m ai l i ng wi l l b e s uf f i ci ent pr o of of not i ce. t he ter r i t ory des cr i bed i n a. abov e; S ECT I ON V - DEF INI T IO NS (2) The acti v i t ies of a per s on whos e home i s i n t he ter r i tory des cr i bed i n a. abov e, but i s 1. " Ad v er ti sem en t" m eans the wi des pr ead pu bl i c awa y f or a s hor t ti m e on y o ur bus i n es s ; or di s s em i nati on of i nf or mat i on or i mages t ha t has (3) "Per s onal and a dv er t i s ing inj ury " of f ens est he pur pos e of i nducing t he s al e of goods , pr oduct s or s er v i ces t hr o ugh: t hat take pl ace thr ough the I nter net or s i m i l ar el ect r on i c means of co m muni cat i on a. (1) Radi o; pr ov ided th e i ns ured's r es p ons i bil i t y to pa y(2) Tel ev i s ion; d a ma g e s is d e t e rmin e d in t h e U n i te d St a t e s o f(3) B il l boar d; A mer i ca ( i nc l ud i ng i ts ter r it o r i es and pos s es s i ons ) , (4) M aga z ine; Puer to Ri c o or C ana da, i n a "s uit" on the m er i ts accor d i ng to the s u bs tantiv e law in s uch t err i tory or(5) News paper ; or i n a s ettl ement we a gr ee to.b. A n y other pub l i cati on that i s gi v en w ides pr ead 7. "E mpl oyee " i ncl udes a "l eas ed w or k er " . publ i c di s tr i buti on. " E mpl oy e e " does not i ncl ude a "tem por ary Howev er , "adv er ti s em ent" does n ot i ncl u de: wor ker". a. The des i g n, pr i nted m ater i al , inf or mat i on or 8. "E mpl oyment-Rel at ed Pr actices" m eans : i m ages contai ned i n, on or upon the a. Ref us al to em pl o y that per s on;packagi ng or l abeli ng o f any goods or pr oduct s ; or b. Ter mi nat i on of t hat per s on 's empl oy m ent; or b. A n i nter acti v e con v er s ati on between or c. E mpl oy m ent-r el ated pr acti ces , pol i ci es , act s am ong per s ons thr ough a comput er netw or k . or omi s s i ons , s uch as c oer ci on, dem oti on, ev a l uati on, r eas s i gnm ent, d i s ci pl i n e, 2. " Ad v er ti sin g id ea " m eans an y i dea f or a n def am ati on, haras sment , humi l i ati on," adv er ti s em ent". di s cr i m i nati on or mal i ci ous pr os ecuti on 3. " Asb e sto s h azar d" m eans an ex pos ur e or di r ect ed at that per s on.t hr eat of ex pos ur e to the actual or a l l ege d 9. "E x ecu tive o f f icer " m eans a per s on holdi ng an y pr oper ti es of as bes t os an d i ncl udes the mer e of the of f i cer pos i t i ons cr eated b y y our char ter , pr es ence of as bes tos i n an y f or m. cons t i t uti o n, b y - l aws or any other s i mi l ar4. " Au to" m eans : gov er ni ng document . a. A l and mot or v ehi c l e, tr ai l er or s em i tr ai l er 10. "Ho stil e f ir e" m eans one w hi ch b ecom esdes i gned f or tr av e l on publi c r oads , i ncl u di ng uncont r o l l ab l e or br eak s out f r om wher e it w as any attached machi nery or equ i pm ent; or i nt e nded t o be. b. A n y other l and v eh i cl e that i s s ubject to a 11. "I mpair ed pr o per ty" m eans t an gi bl e pr o per ty , co mpul s or y or f i nancial r e s pons i bi li ty l aw or ot her t ha n "y our pr oduct" or "y our wor k", that ot her mot or v ehi cl e ins ur ance l a w wher e i t i s cannot be us ed or i s les s us ef ul becaus e: l i cens ed or pr i nci pa l ly g ar aged. a. I t incor por ates " y our pr odu ct " or " y our wor k"Howev er , "auto" does not i ncl u de "m obi l e t hat i s known or t ho ught to be def ect i v e, equi pment ". def i ci ent, i nad equate or da nger ous ; or 5. "Bo di ly inj ur y" m eans ph y s i cal : b. Y ou hav e f ai l ed to f ul f i l l t he ter m s of aa. I njur y ; cont r act or agr eement ; b. S i ck nes s ; or i f s uch pr oper ty can b e r es t or ed to us e b y the c. Di s eas e r epai r , r ep l acem ent, adjus tm ent or r e mov al of "y our pr oduct" or "y our wor k " , or y o u r f u l f i l l i ng t hes us t ai ne d b y a per s on an d, i f ari s i ng o ut of t he t er ms of the co nt ract or agreement.abov e, m ental angu i s h or death at an y t i me.

6. "Co v er ag e ter ri tor y" m eans : 12. "I nsu red co ntr act" m eans :
a. T h e U n it e d S ta te s o f A me r ic a ( in c luding i t s a. A contr act f or a l eas e of pr emi s es . Howev er , t er ri tor ies an d pos s es s i o ns ), Puer to R i co and t hat por ti on of t he contr act f or a l eas e of Can ada; pr em i s es that i ndemni f i es any per s on or or ganiz ati on f or d am age by f i r e, l i ghtni n g or b. I nter nati ona l wat er s or ai rs pace, but only i f ex pl os i on to pr emi s es w hil e r ent ed to y ou or t he i njur y or d am age occur s i n t he cour s e of t empor ar i l y occupi ed b y you wi th per mi s s i ont r av el or t r ans p or t ati on be t ween an y p l aces of the o wner i s s ubject to the Dam age t o i ncl uded i n a. abov e; or P age 18 o f 21 HG 00 0 1 09 16

14. "L oad in g o r un lo adi ng " m eans the handl i ng of P r emi s es Rented To Y ou Li mi t des cr i bed i n S ecti on II I - Li mi t s of Ins ur ance; pr oper ty :
b. A s i detr ack agr eem ent; a. A f ter i t i s m ov ed f r o m t he pl ace wher e i t i s accept ed f or m ov em ent i nto or onto an c. A n y eas em ent or l i cens e agr eement , ai r cr af t , water cr af t or "auto"; i ncl udi ng a n eas ement or l i cens e agr eement i n connecti on wi t h cons t r u ct i on or dem ol i ti on b. W hi l e i t i s i n or on an ai rcr af t , wat er cr af t or oper ati ons on or w i thin 50 f eet of a r a i l r oad; " auto"; or d. A n obl i g at ion, as r equi r e d b y or d i nance, to c. W hi l e i t i s being mov ed f r om an ai r cr af t,i ndemni f y a m uni ci p al i ty , ex cept i n connecti on wat er cr af t or " aut o " t o t he pl ace wher e i t i s wi t h wor k f or a m uni ci pali ty; f i nal ly del iv er ed ; e. A n el e v ator m ai ntenance agr eement ; but " l oad i ng or unl oa di ng " does not i nc l ude the f. That par t of an y other co ntr act or a gr eem ent m ov e ment of pr oper t y b y m eans of a m echani ca l per t aini ng t o y our bus i nes s (i ncl udi ng an dev i ce, other t ha n a ha nd tr uck, that i s not i ndemni f i cat i on of a m uni cipal i t y i n connecti o n at tached t o the ai r cr af t , w ater cr af t or " aut o ". wi t h w or k per f or m ed f or a m uni ci pali ty ) under 15. "Mob il e equ ip ment" m eans an y of t he f ol lowi ng whi ch y ou as s um e the t or t l iabil i ty of another ty pes of l and v eh i cl es , i n cl udi ng an y attached par ty to pa y f or " bodil y inj ury " or "pr oper ty m achi ner y or equipm ent: dam age" t o a thi r d per s on or or ganiz ati o n, a. B ull do z er s , f ar m machi ner y, f or kl i f ts and ot h er pr ov i ded the "bodily i njur y " or "pr oper ty v eh i cl es des i gned f or us e pr i nci pall y of f publ i c dam age" i s caus ed, in whole or i n par t, b y r oads ; y ou or b y thos e act i n g on y our beh al f . Tor t l i abil i ty means a l i abi li ty that woul d be b. V eh i cl es m ai ntai ned f or us e s ol e l y o n or nex t i m pos ed b y l aw i n t h e abs ence of a ny t o pr em i s es y ou o w n or r ent; cont r act or agr eement . c. V eh i cl es that tr av el on cr awl er t r ea ds ; P ar agr a ph f. i ncl ud es t hat par t of an y con t r act d. V eh i cl es , whether s el f -pr opel l e d or not, or agr eement t hat i nd em ni f i es a r ai l r oad f or m ai ntai ned pr i m ar i ly to p r ov ide mobi l i ty t o " bodil y i njury " or " pr oper ty d am age " ar i s i ng per m anently mount ed: out of cons t r ucti on or demol i t i on op er at ions , (1) P o w er cr anes , s ho v e l s , l oa der s , di gger s or wi t h i n 50 f eet of an y r a i l r oad pr oper ty and d rills ; o r af f ect i ng an y r a i l r oad bri dge or tr es tl e, tr ack s , r oad-beds , tunne l , under p as s or cr os s i ng. (2) Road cons tr ucti on or r es ur f aci ng equi pment s uch as gr ade r s , s cr aper s or Howev er , Par agr aph f. does not i ncl ude that r ol l er s ; par t of an y cont ract or a gr eement :
e. V eh i cl es not des cr i be d in a., b ., c. or d. abo v e (1) T ha t i nd em n i f i es an ar chi t ec t , engi nee r or t hat ar e n ot s el f -pr opell ed and ar e m ai ntai ne d sur v ey or f or i nj ur y o r dam a ge ar i s i n g out of :
pr i m ar i ly to pr ov i de m obi l ity to per manent ly (a) P r epari ng, appr o v i ng, or f ai l i ng t o at tached equipm ent of t he f ol l o w ing t y pes : pr epar e or ap pr ov e, m aps , s hop dr awi ngs , opi nions , r epor ts , s ur v e y s , (1) A i r com pr es s or s , pu mps and gen er at or s , f i el d or der s , change or d er s or dr awi ngs i ncl uding s pr a y ing, weldi ng, bu i l ding and s p eci f i cat i o ns ; or cl eani ng , geop hy s i cal ex plor at i o n, l ighti ng and wel l s er v i ci ng equipm ent; or (b ) G i v i ng di r ecti ons or i ns tr ucti ons , or f a ilin g t o g iv e th e m, i f th a t is th e
(2) Cher r y pi ck er s a nd s i m i l ar dev i ces us ed t o pr i m ary caus e of the i njur y or dam age; ra is e o r lo we r w o rk e rs ; or f. V eh i cl es not des cr i be d in a., b ., c. or d. abo v e (2) U n de r w h i ch t he i n s u r e d, i f a n a r ch i t e ct , m ai ntai ned pr i m ar i ly f or pur pos es ot h er than eng i ne er or s ur v e y o r , as s umes l iab i l ity f or t he t r a ns por t ati o n of per s ons or car go. an i njury or damage ar i s i ng o ut of the Howev er , s el f -pr opel led v eh i cl es w it h t he i ns ured 's r en der ing or f a i lur e to r en der f ol l owi ng ty pes of perm anentl y at tached pr of es s ion al s er v i ces , i nc l ud i ng thos e l i s ted equi pment ar e not " m obi l e equ i pm ent" but wil l in (1) abo v e and s up er v i s ory , ins pec t ion, be cons ider ed "autos " : ar chit ec tur al o r eng i ne er ing activ i ti es . (1) E qu i pm ent des igned pr i mar i ly f or : 13. "L eas ed wor ker " m eans a per s on l e as ed to y ou (a) S no w r emov al ; by a labor l eas i ng f i r m under a n agr e em ent betw e en y ou and t h e l a bor l eas i ng f i r m, t o (b ) Road mai nt e nance, but not per f or m dut i es r elat e d t o t he co nduct of y our cons t r ucti on or r es ur f aci ng; orbus i nes s . "Leas ed wor k er " does not i nclude a (c) S tr eet cl ea ni ng; " t empor ar y wor ker" .

HG 00 0 1 0 9 16 P age 19 o f 21

(2) Cher r y p i cker s and s i m i l ar dev i ces (2) W or k that has not y e t be en compl et ed or m ounted on aut omobi l e o r t r uck chas s i s abandon ed. Ho wev er , "y o ur w or k " w il l be and us ed to r ai s e or lower wor ker s ; and deem ed com pl eted at t he ear l i es t of t he f ol l owi ng ti m es :(3) A i r com pr es s or s , pu mps and gen er at or s , (a) W hen al l of the wor k cal l ed f or i n y our i ncl uding s pr a y ing, weldi ng, bu i l ding cl eani ng , geop hy s i cal ex plor at i o n, l ighti ng cont r act has bee n compl et ed. and wel l s er v i ci ng equipm ent.
(b ) W hen al l of the w or k t o be done at t he
Howev er , "m obi le equi pment " does not i ncl ud e j ob s i te has b een com plet ed i f y o ur any land v ehi cl e that i s s u bj ect to a compul s or y cont r act cal l s f or wor k at mor e than or f i nanci al r es p ons i bi li ty l aw or other mot or one job s i t e. v eh i cl e i ns ur ance l aw wher e i t i s li cens ed or (c) W hen t hat par t of the wor k done at a pr i nci pally gar a ged. La nd v eh i cl es s u bj ect to a j ob s i t e has been put to i ts i ntende d co mpul s or y or f i nancial r es pons ibi l i t y l a w or ot her us e by an y per s on or or ganiz ati on m otor v ehi cl e i ns ur a nce l aw ar e cons i der e d ot her t ha n an ot her contr act or or" autos ". s ubcont r actor wor ki ng on the s am e

16. "O ccur r ence" m eans an acci dent, incl udi n g pr oj ect. cont i n uous or r e peated ex pos ur e to s u bs t anti a l ly W or k t hat may n eed s er v i ce, t he s am e gener al har m f ul condi ti ons . m ai ntenance, cor r ecti on, r epai r or

17. "P e r so nal and ad v er ti s i ng i nj ur y" m eans r epl acem ent, b ut w h i ch i s otherw i s e i nj ury , i ncludi ng cons equ ent ial " bodil y i njur y", co mpl et e, w ill b e tre a te d a s compl et ed. ar i s i ng out of one or m or e of t he f oll owi ng b. Does not i ncl ud e "bodi ly inj ury " or " pr oper t y of f ens es : dam age" ar i s i ng out of :
a. F al s e ar r es t , det e nti on or im pr i s onm ent; (1) The tr ans por t ati o n of pr op er ty , un l es s the b. M ali ci ous pr os ecuti on; i nj ury or d am age ar i s es out of a cond i t ion i n or on a v ehi cl e not o wned or o per ated c. The w r ongf ul e v i ct i o n f r om , wr ongf ul entr y by y ou, an d that con di ti on was cr eat ed b yi nt o , or i n v as ion of t he r i ght of pr i v at e t he "l oading or unl oad i ng " of t hat v e hi cl e occupancy of a r oom, dwel li ng or pr em i s es by an y i ns ur ed; t hat a per s on or or ga ni zati on occupi es , (2) The ex i s tence of t oo l s , uni ns tall ed co m mi t ted by or on be hal f of i t s owner , l andl ord or l es s or ; equi pment or aban done d or unus ed m ater i al s ; or d. O r al , w r i tten or elect r oni c pub l i cati on, i n an y (3) P r oducts or op er ati ons f or whi ch the m anner , of m ater i al t h at s lander s or l i be l s a per s on or or ganiz ati o n or di s par ages a cl as s i f i cat i on , l i s ted i n the Decl ar ati ons or per s on's or or gani zati on's goods , pr o duct s or i n a pol i c y Schedule, s t ates t hat pr oduct s - s er v i ces ; co mpl et e d oper ati ons ar e s ubject to the G ener al Aggr eg at e Li mi t .
e. O r al , w r i tten or elect r oni c pub l i cati on, i n an y m anner , of m ater i al t h at v i olat es a per s on 's 20. "Pr o per ty damage" m eans :
r i ght of pr i v acy ; a. P h y s i cal i nj ury to tang i bl e pr oper ty , i ncludi ng f. Cop y i ng, i n y our "adv er t i s em ent", a per s on's al l r es ul ti ng l os s of us e of t hat pr oper t y . Al l or or ganiz ati on's "adv er t i s i ng idea " or s ty l e of s uch l os s of us e s hall be deemed to occur at " adv er ti s em ent"; or t he ti m e of the phy s i cal inj ury t hat caus ed i t; org. I nf r i ngement of cop y r i ght, s l ogan, or ti t le of any l i ter ar y or ar ti s ti c wor k, i n y o ur
b. Los s of us e of t an gi bl e pr oper ty t ha t i s not " adv er ti s em ent". phy s i cal ly i nj ur ed. Al l s uch l os s of us e s hall

18. "P ol lu tants" m ean an y s o l i d, li qui d, gas eous or be de em ed t o occur at t he ti m e of the t her mal i r r i tant or contam i nant, i ncludi ng s m oke, " occur r ence" t ha t caus ed i t . v ap or , s oot, f umes , aci ds , al kal i s , chem i cal s and A s us ed i n thi s def i ni tion, comput er iz ed or was t e. W as t e i ncl udes ma ter i al s t o be r ec y c l ed, el ect r on i cal ly s t or ed data, pr ogr ams or s o f tw ar e r econdi ti oned or r ecl ai med. ar e n ot tangi b l e pr oper ty . El ect r o ni c data means

19. "Pr o du cts-co mpl eted oper atio ns hazar d" : i nf or m ati on, f act s or pr ogr a m s :
a. I ncl ud es all " bodil y inj ur y" and "pr oper ty a. S tor ed as or on; dam age" occur r i ng a way f r om pr em i s es y ou b. Cr eat ed or us ed on; or own or r ent and ar i s i ng o ut of "y o ur pr oduct" c. Tr ansmi t ted to or f r om ;or " y our wor k " ex cept :
co mput er s of t war e, i ncl uding s y s tem s and(1) P r oducts that ar e s ti l l i n y our p hy s i ca l appl i cati ons s of tw ar e, h ar d or f l opp y di s ks , CD-pos s es s i on; or P age 20 o f 21 HG 00 0 1 09 16

25. " Y o ur wor k" : RO MS , tapes , dr i v es , cel l s , data pr oces s i n g dev i ces or an y ot her medi a whi ch ar e us e d wi th a. M eans : el ect r on i cal ly cont rol l ed eq ui pm ent. (1) W or k or oper at i ons per f or m ed b y y o u or 21. "S ui t" m eans a ci v i l pr oceed i ng i n whi ch on y our beh al f ; and dam ages becaus e of "bodi ly i nj ury ", "pr oper ty (2) M ater i al s , par t s or equ i pm ent f ur ni s hed i n dam age" or "per s ona l and adv er t i s i ng inj ury " t o connect ion wi t h s uch wor k or oper a t i o ns . whi ch thi s i ns ur ance appli es ar e a l l ege d. "S u i t" b. I ncl ud esi ncl udes :
(1) W ar r ant i es or r epr es e nt ati ons m ade at a. A n ar bi t r a t i o n pr oceed i ng i n whi ch s uch any ti m e w i th r es p ect t o t he f i t nes s , dam ages ar e cl ai med and t o whi ch t he qual i t y , durabi l ity , per f or m ance or us e of i ns ur ed mus t s ubm i t or does s ubm i t wi th o ur "y our wor k " , and cons ent ; or
(2) The pr ov i ding of or f ai l ur e t o pr o v ide b. A n y other alt er na t iv e di s pute r es ol uti on war ni ngs or ins t r ucti ons .pr oceedi ng i n whi ch s u ch dam ages ar e cl ai m ed and to whi ch the ins ur ed s ubmi t s wi t h our cons ent.

22. "T emp or ar y wor ker " m eans a per s on who i s
f ur ni s hed to y o u to s ubs ti tut e f or a per m anent " em pl o y ee " on l eav e or to m eet s eas onal or
s hor t -t er m wor kl oad condi ti ons .

23. "V ol un tee r wor ker " m eans a per s on who
a. I s not y our " em pl o y ee ";
b. Donates hi s or her wor k;
c. A cts at the di rect i o n of and wi thi n t h e s cope of duti es det er mi ned by y ou; an d
d. I s not pai d a f ee, s al ary or ot h er
co mpens at ion b y y ou or an y on e el s e f or thei r wor k per f or med f or y ou.

24. "Y o ur pr o du ct" :
a. M eans :
(1) A n y goods or pr oducts , other t ha n r ea l
pr oper ty , manuf act ur ed, s ol d, ha ndl ed,
di s t r i b ut e d or di s pos e d of by :
(a) Y ou;
(b ) O ther s tr adi ng und er y our name; or
(c) A per s on or or gani zati on w h os e
bus i nes s or as s ets y ou ha v e acqu i r ed;
and
(2) Cont a i ner s (ot her t h an v ehi cles ),
m ater i al s , par ts or equi pm ent f ur ni s hed i n connect ion wi t h s uch good s or pr oduct s .
b . I ncl ud es
(1) W ar r ant i es or r epr es e nt ati ons m ade at
any ti m e w i th r es p ect t o t he f i t nes s ,
qual i t y , durabi l ity , per f or m ance or us e of
"y our pr oduct"; and
(2) The pr ov i ding of or f ai l ur e t o pr o v ide
war ni ngs or ins t r ucti ons .
c. Does n ot i nclude v ending m achi nes or other
pr oper ty r ented to or l ocated f or t he us e of
ot her s but not s old.

HG 00 0 1 0 9 16 P age 21 o f 21

ABCDEFGHI
THIS ENDORSEMENT CHANGES THE POLICY . PLEASE READ IT CAREFULLY .

CONTRACTORS BROAD FORM ENDORSEMENT
This endor sement modif ies insur ance pr ovided under the f ollow ing:

COMMERCIAL GENERAL LIABILITY COVERAGE PART
INDEX

1. Alienated Pr emises Cover age .................................................................................................... ................ 1

2. Damage To Your Wor k ............................................................................................................ .................. 1

3. That Par ticular Par t ........................................................................................................... ......................... 1

4. Contr actor s Limited Pr of essional Liability ..................................................................................... .............. 2

5. Per Pr oject and Per Location Gener al Aggr egate Limits Of Insur ance ........................................................ 2

6. Medical Payments Cover age - Including Pr oducts - Completed Oper ations ............................................... 3

7. Injur y To Employee's Reputation With Respect To Incidental Medical Malpr actice .................................... 3

8. Bodily Injur y Employee Suits ................................................................................................... ................... 4

9. Consolidated Insur ance (Wr ap-Up) Pr ogr ams. ..................................................................................... ...... 4

10. Access Or Disclosur e Of Conf idential Or Per sonal Inf or mation And Data-Related Liability ........................ 5

11. Supplementar y Payments ......................................................................................................... ................. 5 12 . Tw o Or Mor e Cover age Par ts Or Policies Issued By Us ........................................................................... .. 6

13. Notice of Cancellation to Cer tif icate Holder s .................................................................................. ............ 6

14. Contr actual Liability Cover age For Per sonal And Adver tising Injur y ........................................................... 6

15. Insur ed Contr act Def inition .................................................................................................... ..................... 6 of the insur ed , r egar dless of w hether the 1 . ALIENATED PREMISES COVERAGE "pr oper ty damage" ar ises f r om br each ofExclusion j. Damage To Pr oper ty of Section I - contr act.Cover age A is amended as f ollow s: B. Exclusion l. Damage To Y our Wor k ofa. The f ollow ing exception to the exclusion is Section I - Cover age A is r eplaced by thedeleted: f ollow ing:

Par agr aph (2) of this exclusion does not apply l. Damage to Y our Wor kif the pr emises ar e "your w or k" and w er e "Pr oper ty damage" to that par ticular par tnever occupied, r ented or held f or r ental by of "your w or k" that must be r estor ed,you. r epair ed or r eplaced because "your w or k"b. This exception is r eplaced by the f ollow ing: w as incor r ectly per f or med and included in the "pr oducts-completed oper ationsPar agr aph (2) of this exclusion does not apply hazar d".if the pr emises ar e "your w or k".

This exclusion does not apply if the damaged2. DAMAGE TO Y OUR WORK w or k or the w or k per f or med incor r ectly w asA. Section I - Cover age A - Bodily Injur y And per f or med on your behalf by a subcontr actor .Pr oper ty Damage Liability, Par agr aph 1.

This Par agr aph 2.B. does not apply if ExclusionInsur ing Agr eement is amended to add the l. Damage To Y our Wor k has been other w isef ollow ing:
modif ied by endor sement. f. Damages because of "pr oper ty damage"

3. THAT PARTICULAR PARTinclude damages the insur ed becomes legally obligated to pay because of This Par agr aph 3. applies to Exclusion j. "pr oper ty damage" to "your w or k" or Damage to Pr oper ty , subpar agr aphs (5) , and (6) ,caused by "your w or k", and such "pr oper ty Exclusion k. Damage to Y our Pr oduct , anddamage" shall be deemed to be caused Exclusion l. Damage to Y our Wor k .by an "occur r ence", if not intended or expected f r om the standpoint
For m HS 24 50 12 20 © 2020, The Har tf or d Page 1 of 7

When per f or ming oper ations as a "gener al af f or ded under this Cover age Par t is excess over contr actor ", the ter m that par ticular par t shall not such other valid and collectible Pr of essional mean the entir e constr uction, impr ovement or Liability insur ance (including any deductible or r enovation pr oject. For pur poses of this pr ovision, self -insur ed r etention por tion ther eof ), and any the ter m "gener al contr actor " means the other valid and collectible insur ance available to contr actor signing the pr ime constr uction contr act the insur ed w hether pr imar y, excess, contingent f or a constr uction, er ection, impr ovement or or on any other basis. r enovation pr oject and that has main r esponsibility

5. PER PROJECT AND PER LOCATION GENERALf or such pr oject including hir ing all of the AGGREGATE LIMITS OF INSURANCEsubcontr actor s and supplier s. A. For all sums w hich the insur ed becomes4. CONTRACTORS LIMITED PROFESSIONAL legally obligated to pay as damages causedLIABILITY by "occur r ences" under Section I - Cover age The f ollow ing exclusion is added to Par agr aph 2., A , and f or all medical expenses caused by Exclusions of Section I - Cover age A - Bodily accidents under Section I - Cover age C, Injur y And Pr oper ty Damage Liability, and to w hich can be attr ibuted only to ongoing Par agr aph 2., Exclusions of Section I - oper ations at a single "pr oject" or a single "location";
Cover age B - Per sonal And Adver tising Injur y
Liability: 1. A separ ate Per Pr oject Gener al
Aggr egate Limit or a separ ate PerThis insur ance does not apply to "bodily injur y", Location Gener al Aggr egate Limit applies"pr oper ty damage" or "per sonal and adver tising to each "pr oject" or "location", w hicheverinjur y" ar ising out of the r ender ing of or f ailur e to is applicable. The Per Pr oject Gener alr ender any pr of essional ser vices by you w ith Aggr egate Limit and Per Locationr espect to your pr oviding engineer ing, Aggr egate Limit is equal to the amount ofar chitectur al or sur veying ser vices in your the Gener al Aggr egate Limit show n in thecapacity as an engineer , ar chitect or sur veyor .

Declar ations.Pr of essional ser vices include:

2. The Per Pr oject Gener al Aggr egate Limit(1) The pr epar ing, appr oving, or f ailing to pr epar e or the Per Location Gener al Aggr egateor appr ove, maps, shop dr aw ings, opinions, Limit, w hichever applies, is the most w er epor ts, sur veys, f ield or der s, change or der s, w ill pay f or the sum of all damages underor dr aw ings and specif ications; and Cover age A. except damages because of(2) Super visor y or inspection activities per f or med "bodily injur y" or "pr oper ty damage"as a par t of any r elated ar chitectur al or included in the "pr oducts-completedengineer ing activities. oper ations hazar d", and f or medical This exclusion applies even if the claims against expenses under Cover age C r egar dless any insur ed allege negligence or other w r ongdoing of the number of ; in the super vision, hir ing, employment, tr aining or a. Insur eds;monitor ing of other s by that insur ed, if the b. Claims made or "suits" br ought; or"occur r ence" w hich caused the "bodily injur y" or "pr oper ty damage", or the of f ense w hich caused c. Per sons or or ganizations making the "per sonal and adver tising injur y", involved the claims or br inging "suits". r ender ing of or f ailur e to r ender any pr of essional 3. Any payments made under Cover age Aser vices by you w ith r espect to your pr oviding f or damages or under Cover age C fo rengineer ing, ar chitectur al or sur veying ser vices in medical expenses shall r educe the Peryour capacity as an engineer , ar chitect or Pr oject Gener al Aggr egate Limit f or thatsur veyor . "pr oject" or the Per Location Gener al This exclusion does not apply to your oper ations Aggr egate f or that "location", w hichever in connection w ith constr uction w or k per f or med by applies. Such payments shall not r educe you or on your behalf . the Gener al Aggr egate Limit show n in the Declar ations, the Per Pr oject Gener alHow ever , this exception to the exclusion w ill not Aggr egate Limit f or any other "pr oject", orapply if you ar e in the business or pr of ession of the Per Location Gener al Aggr egate Limitpr oviding the pr of essional ser vices descr ibed f or any other "location".above independent f r om the constr uction w or k per f or med by you or on your behalf . 4. The limits show n in the Declar ations f or Each Occur r ence, Damage To Pr emisesIn the event this insur ance applies to any injur y, Rented To You and Medical Expensedamage, loss, cost or expense cover ed by continue to apply. How ever , instead ofPr of essional Liability insur ance issued by a company unaf f iliated w ith us, then the insur ance

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being subject to the Gener al Aggr egate 2. "Location" means a pr emises an insur ed Limit show n in the Declar ations, such limits ow ns or r ents and w her e such insur ed w ill be subject to the applicable Per Pr oject per f or ms business oper ations other than Gener al Aggr egate Limit if attr ibutable only constr uction-r elated oper ations. Each to ongoing oper ations at a single "pr oject" "location" involving the same or connecting or the Per Location Gener al Aggr egate if lots, or pr emises w hose connection is attr ibutable only to ongoing oper ations at a separ ated by a str eet, r oadw ay, w ater w ay single "location". or r ight-of -w ay r ailr oad shall be consider ed a single "location." "Location" does notB. For all sums w hich the insur ed becomes legally include a pr emises that is a "pr oject".obligated to pay as damages caused by This pr ovision does not apply if the Per Pr oject and the"occur r ences" under Section I - Cover age A Per Location Gener al Aggr egate Limit has beenand f or all medical expenses caused by other w ise modif ied by endor sement.accidents under Section I - Cover age C , w hich cannot be attr ibuted only to ongoing 6. MEDICAL PAY MENTS COVERAGE - INCLUDINGoper ations at a single "pr oject" or a single PRODUCTS-COMPLETED OPERATIONS"location"; Par agr aph 1.a. of the Insur ing Agr eement -1. Any payments made under Cover age A fo r Cover age C is r eplaced by the f ollow ing:damages or under Cover age C f or medical 1. Insur ing Agr eementexpenses shall r educe the amount available under the Gener al Aggr egate Limit or the a. We w ill pay medical expenses as descr ibed Pr oducts-Completed Oper ations Aggr egate below f or "bodily injur y" caused by an Limit, w hichever is applicable; and accident:

2. Such payments shall not r educe any Per (1) On pr emises you ow n or r ent; Pr oject Gener al Aggr egate Limit or any Per (2) On w ays next to pr emises you ow n orLocation Gener al Aggr egate Limit. r ent; C. When cover age f or liability ar ising out of the (3) Because of your oper ations; or"pr oducts-completed oper ations hazar d" is (4) Included w ithin the def inition of thepr ovided, any payments f or damages because "pr oducts-completed oper ationsof "bodily injur y" or "pr oper ty damage" included hazar d;"in the "pr oducts-completed oper ations hazar d" w ill r educe the Pr oducts-Completed Oper ations pr ovided that:

Aggr egate Limit, and not r educe the Gener al (1) The accident takes place in theAggr egate Limit,or any Per Pr oject Gener al "cover age ter r itor y" and dur ing theAggr egate Limit or any Per Location Gener al policy per iod;Aggr egate Limit. (2) The expenses ar e incur r ed andD. The pr ovisions of Section III - Limits Of r epor ted to us w ithin thr ee year s of theInsur ance not other w ise modif ied by this date of the accident; andendor sement shall continue to apply as (3) The injur ed per son submits tostipulated. examination, at our expense, byE. For the pur poses of Par agr aph 5., the f ollow ing physicians of our choice as of ten as w edef initions apply: r easonably r equir e. "Pr oject" means a pr emises an insur ed does not 7. INJURY TO EMPLOY EE'S REPUTATION WITHow n or r ent and w her e such insur ed per f or ms RESPECT TO INCIDENTAL MEDICALconstr uction-r elated oper ations. Each "pr oject" MALPRACTICEinvolving the same or connecting lots, or A. The f ollow ing is added to Par agr aph 1.e. of thepr emises w hose connection is separ ated by a Insur ing Agr eement - Cover age A :str eet, r oadw ay, w ater w ay, r ailr oad or r ight-of -w ay shall be consider ed a single (3) With r espect to incidental medical "pr oject". malpr actice, "bodily injur y" includes
damages claimed f or injur y to emotions or1. If a "pr oject" has been abandoned and then r eputation of an "employee" ar ising out ofr estar ted, or if the author ized contr acting the r ender ing or f ailur e to r enderpar ties deviate f r om plans, bluepr ints, pr of essional health car e ser vices as adesigns, specif ications or timetables, the physician, dentist, nur se, emer gency"pr oject" shall be consider ed a single medical technician or par amedic ser vices."pr oject". "Pr oject" does not include a pr emises that is a "location".

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"Bodily injur y" or "pr oper ty damage" r esulting B. The f ollow ing exclusion is added to Cover age f r om "r epair w or k" or "punch list w or k" at aB - Per sonal and Adver tising Injur y :
"w r ap pr oject or pr emises" but only w hen the"Per sonal and adver tising injur y ar ising out of applicable "consolidated insur ance (w r ap-up)the r ender ing or f ailur e to r ender pr of essional pr ogr am" does not apply or no longer applieshealth car e ser vices as a physician, dentist, to such "r epair w or k" or "punch list w or k".nur se, emer gency medical technician or This exception does not apply to the cost ofpar amedic. per f or ming such "r epair w or k" or "punch list8. BODILY INJURY EMPLOY EE SUITS w or k", or to the "r epair w or k" or "punch listA . "Bodily injur y" as listed in Par agr aph 2.a.(1) of w or k" itself .

Section II - Who Is An Insur ed, does not D. Additional Insur ed Extension apply to 2.a.(1)(a) thr ough 2.a.(1)(c). "Bodily injur y" or "pr oper ty damage" f or w hichB. Par t a. of Par agr aph 4. Nonowned Water cr af t you ar e solely an additional insur ed under thein Section II - Who Is An Insur ed does not "consolidated insur ance (w r ap-up) pr ogr am".apply. The cover age pr ovided under Par agr aphs 9.A9. CONSOLIDATED INSURANCE (WRAP-UP) thr ough 9.D. above is subject to all ter ms,PROGRAMS conditions and exclusions of this policy.

The f ollow ing exclusion is added to Section I For pur poses of Par agr aph 9, the f ollow ingCover age A : def initions apply:

This insur ance does not apply to any "bodily injur y" "Consolidated insur ance (w r ap-up) pr ogr am"or "pr oper ty damage" ar ising out of any "w r ap means any agr eement or ar r angement, includingpr oject or pr emises" w her e an insur ed under this any contr actor -contr olled, ow ner -contr olled,policy is or w as also an insur ed under one or mor e pr oject-specif ic or similar insur ance pr ogr am undercommer cial gener al liability (CGL) policies w hich one or mor e contr actor (s) w or king on a(including any umbr ella or excess policies that specif ied pr oject ar e insur ed under one or mor einclude the commer cial gener al liability policy(ies) commer cial gener al liability (CGL) policiesas under lying insur ance) included w ithin a (including any umbr ella or excess policies that"consolidated insur ance (w r ap-up) pr ogr am." This include the commer cial gener al liability policy(ies)exclusion applies even if the limits of insur ance f or as under lying insur ance) issued by a specif iedsuch "consolidated insur ance (w r ap-up) pr ogr am" car r ier f or injur y or damage ar ising out ofar e exhausted or not collected f or any r eason, oper ations conducted in connection w ith orincluding bankr uptcy or insolvency of the insur er necessar y or incidental to the pr oject.pr oviding cover age f or the "consolidated insur ance "Insur ed's oper ations" means all oper ations(w r ap-up) pr ogr am". This exclusion also applies if per f or med by a named insur ed (and notthe CGL cover age af f or ded under the sub-contr acted or per f or med by other s on the"consolidated insur ance (w r ap-up) pr ogr am" is insur ed's behalf ).nar r ow er in scope than the cover age pr ovided by this policy. "Punch list w or k" means the "insur ed's oper ations" at or in connection w ith a "w r ap pr oject orThis exclusion does not apply to: pr emises" in or der to complete the w or k called f orA. Pr oducts-Completed Oper ations Hazar d in an insur ed's contr act f or the "w r ap pr oject orException pr emises". "Bodily injur y" or "pr oper ty damage" ar ising out "Repair w or k" means the "insur ed's oper ations"of an "insur ed's oper ations" at or in connection that ar e ser vice, maintenance, cor r ection, r epair ,w ith a "w r ap pr oject or pr emises" w hen such r eplacement w or k, or per iodic"bodily injur y" or "pr oper ty damage" inspection per f or med by an insur ed at or incommences af ter the "pr oducts-completed connection w ith a "w r ap pr oject or pr emises", inoper ations hazar d" cover age or any completed or der to r eplace or r epair an insur ed's completedoper ations extension cover age pr ovided by the wo rk .applicable "consolidated insur ance (w r ap-up) "Wr ap pr oject or pr emises" means any pr emises orpr ogr am" has ended or is no longer in ef f ect. constr uction, er ection, impr ovement or r enovationB. Of f -Site Location Exception pr oject subject to a "consolidated insur ance (w r ap-up) pr ogr am"."Bodily injur y" or "pr oper ty damage" r esulting f r om an "insur ed's oper ations" at or in 10. ACCESS OR DISCLOSURE OF CONFIDENTIALconnection w ith a "w r ap pr oject or pr emises" at OR PERSONAL INFORMATION AND DATA-a location to w hich the applicable "consolidated RELATED LIABILITYinsur ance (w r ap-up) pr ogr am" does not apply.

C. Repair Wor k And Punch List Wor k
Exception

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A. Exclusion p . of Section I - Cover age A - C. The f ollow ing Par agr aph is added to Section Bodily Injur y And Pr oper ty Damage Liability III - Limits Of Insur ance:
is r eplaced by the f ollow ing: Subject to Par agr aph 5. Each Occur r ence p. Access Or Disclosur e Of Conf idential Limit , the most w e w ill pay under Cover age A Or Per sonal Inf or mation And f or "pr oper ty damage" because of all loss of "electr onic data" ar ising out of any oneData-Related Liability "occur r ence" is $100,000, unless modif ied byDamages ar ising out of : endor sement.(1) Any access to or disclosur e of any D. The f ollow ing def inition is added to Section Vper son's or or ganization's conf idential - Def initions:or per sonal inf or mation, including patents, tr ade secr ets, pr ocessing "Electr onic data" means inf or mation, f acts or methods, customer lists, f inancial pr ogr ams:
inf or mation, cr edit car d inf or mation,
a. Stor ed as or on;health inf or mation or any other type of b. Cr eated or used on; ornonpublic inf or mation; or c. Tr ansmitted to or f r om;(2) the loss of , loss of use of , damage to, cor r uption of , inability to access, or computer sof tw ar e, (including systems and inability to manipulate "electr onic data" applications sof tw ar e) har d or f loppy disks, that does not r esult f r om physical CD-ROMS, tapes, dr ives, cells, data injur y to tangible pr oper ty. pr ocessing devices or any other media w hich ar e used w ith electr onically contr olledThis exclusion applies even if damages equipment.ar e claimed f or notif ication costs, cr edit monitor ing expenses, f or ensic expenses, E. For the pur poses of the cover age pr ovided by public r elations expenses or any other this pr ovision, the def inition of "pr oper ty loss, cost or expense incur r ed by you or damage" in Section V - Def initions is other s ar ising out of that w hich is r eplaced by the f ollow ing:
descr ibed in Par agr aph (1) or (2) above. "Pr oper ty damage" means:

How ever , unless Par agr aph (1) above a. Physical injur y to tangible pr oper ty,applies, this exclusion does not apply to including all r esulting loss of use of thatliability f or damages because of "bodily pr oper ty. All such loss of use shall beinjur y". deemed to occur at the time of the B. Exclusion w. of Section 1 - Cover age B - physical injur y that caused it; Per sonal and Advetising Injur y is r eplaced b. Loss of use of tangible pr oper ty that is notby the f ollow ing: : physically injur ed. All such loss of use shall be deemed to occur at the time ofw. Access Or Disclosur e Of Conf idential the "occur r ence" that caused it; orOr Per sonal Inf or mation c. Loss of , loss of use of , damage to,"Per sonal and adver tising injur y" ar ising cor r uption of , inability to access, orout of any access to or disclosur e of any inability to pr oper ly manipulate "electr onicper son's or or ganization's conf idential or data", r esulting f r om physical injur y toper sonal inf or mation, including patents, tangible pr oper ty. All such loss oftr ade secr ets, pr ocessing methods, "electr onic data" shall be deemed to occurcustomer lists, f inancial inf or mation, cr edit at the time of the "occur r ence" that causedcar d inf or mation, health inf or mation or any it.other type of nonpublic inf or mation.

For the pur poses of this insur ance, "electr onicThis exclusion applies even if damages data" is not tangible pr oper ty.ar e claimed f or notif ication costs, cr edit monitor ing expenses, f or ensic expenses, 11. SUPPLEMENTARY PAY MENTSpublic r elations expenses or any other In the Supplementar y Payments - Cover ages Aloss, cost or expense incur r ed by you or and B pr ovision:other s ar ising out of any access to or disclosur e of any per son's or or ganization's The limit f or the cost of bail bonds is incr eased to conf idential or per sonal inf or mation. $2,500.

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12. TWO OR MORE COVERAGE PARTS OR (2) Assumed in a contr act or agr eement that is an "insur ed contr act", pr ovided thePOLICIES ISSUED BY US "per sonal and adver tising injur y" occur sIf this policy and any other policy issued to an subsequent to the execution of theinsur ed by us or any af f iliated company pr ovides contr act or agr eement. Solely f or thecover age that applies to the same claim or pur poses of liability assumed in andamages, the maximum applicable limit(s) of "insur ed contr act", r easonable attor neyliability or limit of insur ance under all the policies f ees and necessar y litigation expensesw ill not exceed the highest applicable limit of incur r ed by or f or a par ty other than anliability or limit of insur ance under any one policy. insur ed ar e deemed to be damagesThis condition does not apply to any policy issued because of "per sonal and adver tisingby us or an af f iliated company specif ically w r itten injur y", pr ovided:to apply as excess insur ance over this policy. (a) Liability to such par ty f or , or f or the13. NOTICE OF CANCELLATION TO CERTIFICATE cost of , that par ty's def ense has alsoHOLDER(S) been assumed in the same "insur edThis policy is subject to the f ollow ing additional contr act"; andConditions: (b) Such attor ney f ees and litigationA. If this policy is cancelled by the Company, expenses ar e f or def ense of that par tyother than f or nonpayment of pr emium, notice against a civil or alter native disputeof such cancellation w ill be pr ovided at least r esolution pr oceeding in w hichthir ty (30) days in advance of the cancellation damages to w hich this insur anceef f ective date to the cer tif icate holder (s) w ith applies ar e alleged.mailing addr esses on f ile w ith the agent of 15. INSURED CONTRACT DEFINITIONr ecor d or the Company. a. INSURED CONTRACT-CONSTRUCTIONB. If this policy is cancelled by the Company f or OPERATIONS AND MUNICIPAL WORKnonpayment of pr emium, or by the insur ed, notice of such cancellation w ill be pr ovided Par agr aph d. of the def inition of ''insur ed w ithin (10) days of the cancellation ef f ective contr act'' in Section V - Def initions is deleted date to the cer tif icate holder (s) w ith mailing and r eplaced by the f ollow ing:
addr esses on f ile w ith the agent of r ecor d or An obligation, as r equir ed by or dinance, tothe Company. indemnif y a municipality.

If notice is mailed, pr oof of mailing to the last b. CONTRACTUAL LIABILITYknow n mailing addr ess of the cer tif icate holder (s) Par agr aph f. of the def inition of "insur edon f ile w ith the agent of r ecor d or the Company w ill contr act" is deleted and r eplaced by thebe suf f icient pr oof of notice. f ollow ing:Any notif ication r ights pr ovided by this That par t of any other contr act or agr eementendor sement apply only to active cer tif icate per taining to your business (including anholder (s) w ho w er e issued a cer tif icate of indemnif ication of a municipality in connectioninsur ance applicable to this policy's ter m. w ith w or k per f or med f or a municipality) underFailur e to pr ovide such notice to the cer tif icate w hich you assume the tor t liability of anotherholder (s) w ill not amend or extend the date the par ty to pay f or "bodily injur y", "pr oper tycancellation becomes ef f ective, nor w ill it negate damage", or "per sonal and adver tising injur y"cancellation of the policy. Failur e to send notice to a thir d per son or or ganization. Tor t liabilityshall impose no liability of any kind upon the means a liability that w ould be imposed by lawCompany or its agents or r epr esentatives. in the absence of any contr act or agr eement.

14. CONTRACTUAL LIABILITY COVERAGE FOR Par agr aph f. includes that par t of any contr actPERSONAL AND ADVERTISING INJURY or agr eement that indemnif ies a r ailr oad f or Exclusion e. of SECTION I - COVERAGE B "bodily injur y", "pr oper ty damage", or PERSONAL AND ADVERTISING INJURY "per sonal and adver tising injur y" ar ising out of LIABILITY is r eplaced by the f ollow ing: constr uction or demolition oper ations, w ithin 50 f eet of any r ailr oad pr oper ty and af f ectingThis insur ance does not apply to: any r ailr oad br idge or tr estle, tr acks,e. Contr actual Liability r oad-beds, tunnel, under pass or cr ossing. "Per sonal and adver tising injur y" f or w hich the How ever , Par agr aph f. does not includeinsur ed has assumed liability in a contr act or that par t of any contr act or agr eement:agr eement. This exclusion does not apply to (1) That indemnif ies an ar chitect,liability f or damages: engineer or sur veyor f or injur y or(1) That the insur ed w ould have in the damage ar ising out of :absence of the contr act or agr eement; or

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(a) Pr epar ing, appr oving, or f ailing to (2) Under w hich the insur ed, if an pr epar e or appr ove, maps, shop ar chitect, engineer or sur veyor , dr aw ings, opinions, r epor ts, assumes liability f or an injur y or sur veys, f ield or der s, change damage ar ising out of the insur ed's or der s or dr aw ings and r ender ing or f ailur e to r ender specif ications; or pr of essional ser vices, including those listed in
(1) above and super visor y,(b) Giving dir ections or instr uctions, or inspection, ar chitectur al orf ailing to give them, if that is the engineer ing activities.pr imar y cause of the injur y or damage; or
All other ter ms and conditions in the policy r emain
unchanged.

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Alameda City CouncilMay 7, 2024

Alameda City Council
May 7, 2024