Exhibit 2: RCM Fire Protection Agreement — Alameda City Council, September 2, 2025

RCM Fire Protection 1 Service Provider Agreement
Version 03-05-25

SERVICE PROVIDER AGREEMENT

This SERVICE PROVIDER AGREEMENT (“Agreement”) is entered into this ____ day of _________ 2025 (“Effective Date”), by and between the CITY OF ALAMEDA, a municipal corporation ( “the City”), and RCM Fire Protection , a California LLC whose address is 350 Enterprise Place, Tracy, California 95304 in reference to the following facts and circumstances:

RECITALS
A. The City is a municipal corporation 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: On-call maintenance, repair, and inspections for existing fire sprinkler systems in City-owned or controlled property at Alameda Point and other select locations throughout Alameda . City staff issued a n RFP on March 7, 2025 and after a submittal period of twenty four (24) days received six (6) timely submitted proposals. Staff reviewed the proposals, interviewed qualified firms and selected the service provider(s) that best meets the City’s needs.

C. Provider is specially trained, experienced and competent to perform the special services which will be required by this Agreement.

D. Whereas, the City Council authorized the City Manager to execute this agreement on ___________________.

E. The City and Provider desire to enter into an agreement for On -call maintenance, repair, and inspections for existing fire sprinkler systems in City-owned or controlled property at Alameda Point and other select locations throughout Alameda , upon the terms and conditions herein.

AGREEMENT

NOW, THEREFORE, in consideration of the forgoing, which are incorporated herein by reference, and for good and valuable consideration, the receipt and adequacy of which are hereby acknowledged, the City and Provider agree as follows:

1. TERM:

The term of this Agreement shall commence on the _____ day of _______ 2025, and shall terminate on the 31st day of August 2030, unless terminated earlier as set forth herein.

2. SERVICES TO BE PERFORMED:

Provider agrees to do all necessary work at its own cost and expense, to furnish all labor, tools, equipment, materials, except as otherwise specified, and to do all necessary work included in Exhibit A as requested. Provider acknowledges that the work plan included in Exhibit A is tentative and does not commit the City to request Provider to perform all tasks included therein.

3. COMPENSATION TO PROVIDER:

Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B Exhibit 2
RCM Fire Protection 2 Service Provider Agreement
Version 03-05-25
a. By the 7th day of each month, Provider shall submit to the City an invoice for the total amount of work done the previous month. Pricing and accounting of charges are to be according to the fee schedule as set forth in Exhibit A and incorporated herein by this reference .

Extra work must be approved in writing by the City Manager or their designee prior to performance and shall be paid on a Time and Material basis as set forth in Exhibit A. b. The total five -year compensation for this A greement shall not exceed $ 125,000.

Use of contingency shall be for items of work outside the original scope and requires prior written authorization by the City.

4. TIME IS OF THE ESSENCE:

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

5. STANDARD OF CARE:

Provider shall perform all services under this Agreement in a skillful and competent manner, consistent with the standards generally recognized as being employed by professionals in the same discipline in the State of California. Provider represents that it is skilled in the professional calling necessary to perform all services contracted for in this Agreement . Provider further represents that all of its employees and subcontractors shall have sufficient skill and experience to perform the duties assigned to them pursuant to and in furtherance this Agreement.

Provider further represents that it (and its employees and subcontractors) have all licenses, permits, qualifications, and approvals of whatever nature that are legally required to perform the services (including a City Business License , as needed ); and that such licenses and approvals shall be maintained throughout the term of this Agreement. As provided for in the indemnification provisions of this Agreement, Provider shall perform (at its own cost and expense and without reimbursement from the C ity) any services necessary to correct errors or omissions which are caused by Provider’ s failure to comply with the standard of care provided for herein. Any employee of the Provider or its sub-providers who is determined by the City to be uncooperative, incompetent, a threat to the adequate or timely completion of any services under this Agreement, or a threat to the safety of persons or property (or any employee who fails or refuses to perform the services in a manner acceptable to the City) shall be promptly removed by the Provider and shall not be re-employed to perform any further services under this Agreement.

6. INDEPENDENT PARTIES:

Provider hereby declares that Provider is engaged as an independent business and Provider agrees to perform the services as an independent contractor. The manner and means of conducting the services and tasks are under the control of Provider except to the extent they are limited by statute, rule or regulation and the express terms of this Agreement. No civil service status or other right of employment will be acquired by virtue of Provider ’s services. None of the benefits provided by the City to its emp loyees, including but not limited to unemployment insurance, workers’ compensation plans, vacation and sick leave, are available from the City to Provider, its employees or agents. Deductions shall not be made for any state or federal taxes, FICA payments, PERS payments, or other purposes normally associated with an employer -employee relationship from any compensation due to Provider. Payments of the above items, if required, are the responsibility of Provider. Any personnel performing the services under this Agreement on behalf Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B RCM Fire Protection 3 Service Provider Agreement
Version 03-05-25
of Provider shall also not be employees of City and shall at all times be under Provider’s exclusive direction and control.

7. IMMIGRATION REFORM AND CONTROL ACT (IRCA):

Provider 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 rules and regulations. Provider shall indemnify, defend, and hold the City harmless from and against any loss, damage, liability, costs or expenses arising from any noncompliance of this provision by Provider.

8. NON-DISCRIMINATION:

Consistent with the City’s policy and state and federal law that harassment and discrimination are unacceptable conduct, Provider and its employees, contractors, and agents shall not harass or discriminate against any job applicant, City employee, or any other person on the basis of any kind of any statutorily (federal, state or local) protected class, including but not limited to: race, religious 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, gender identity, gender expression, age, sexual orientation, pregnancy, political affiliation, military and veteran status or legitimate union activities. Such non-discrimination shall include but not be limited to all activities related to initial employment, upgrading, demotion, transfer, recruitment or recruitment advertising, layoff, or termination. Provider agrees that any violation of this provision shall constitute a material breach of this Agreement.

9. HOLD HARMLESS:
a. To the fullest extent permitted by law, Provider shall indemnify, 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 against any and all loss, damages, liability, obligations, claims, suits, judgments, costs and expenses whatsoever, including reasonable attorney ’s fees and costs of litigation (“Claims”), arising from or in any manner connected to Provider’s performance of its obligations under this A greement or out of the operations conducted by Provider even if the City is found to have been negligent. If the Claims filed against Indemnitees alleg e negligence, recklessness or willful misconduct on the part of Provider, Provider shall have no right of reimbursement against Indemnitees for the costs of defense even if negligence, recklessness or willful misconduct is not found on the part of Provider.

Provider shall not have any obligations to indemnify 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. b. As to Claims for professional liability only, Provider’s obligation to defend Indemnitees (as set forth above) is limited as provided in California Civil Code Section 2782.8. c. Provider’s obligation to indemnify, defend and hold harmless Indemnit ees shall expressly survive the expiration or early termination of this Agreement.

10. INSURANCE:

Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B RCM Fire Protection 5 Service Provider Agreement
Version 03-05-25
Endorsement shall include primary and non-contributory coverage at least as broad as the CG 2010.
(3) Automotive:

Comprehensive automobile liability coverage (any auto) in the following 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.

(4) Professional Liability: Intentionally omitted.

As to commercial general liability and automobile liability insurance, such insurance will provide that it constitutes primary insurance with respect to claims insured by such policy, and, except with respect to limits, that insurance applies separately to each insured against whom claim is made or suit is brought. Such insurance is not additional to or contributing with any other insurance carried by or for the benefit of the City.
c. SUBROGATION WAIVER:

Provider hereby agrees to waive rights of subrogation that any insurer of Provider may acquire from Provider by virtue of the payment of any loss. Provider 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 endorse ment 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 Provider, its employees, agents and subcontractors. d. FAILURE TO SECURE:

If Provider 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 Provider’s name or as an agent of Provider and shall be compensated by Provider 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 INSUREDS:

The City, its City Council, boards, commissions, officials, employees , agents , and volunteers shall be named as additional insured(s) under all insurance coverages, except workers’ compensation and professional liability insurance. The naming of an additional insured shall not affect any recovery to which such additional insured would be entitled under this policy if not named as such additional insured. An additional insured named herein shall not be held liable for any premium, deductible portion of any loss, or expense of any nature on this policy or any extension thereof. Any other insurance held by an additional insured shall not be required to Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B RCM Fire Protection 6 Service Provider Agreement
Version 03-05-25
contribute anything toward any loss or expense covered by the insurance provided by this policy.

Additional Insured covera ge under Provider’s policy shall be primary and non- contributory and will not seek contribution from the City’s insurance or self -insurance. Any available insurance proceeds broader than or in excess of the specified minimum insurance coverage requirements and/or limits shall be available to the additional insured(s). f. SUFFICIENCY OF INSURANCE:

The insurance limits required by the City are not represented as being sufficient to protect Provider. Provider is advised to consult Provider ’s insurance broker to determine adequate coverage for Provider. The coverage and limits shall be (1) the minimum coverage and limits specified in this Agreement; or (2) the broader coverage and maximum limits of the coverage carried by or available to Provider; whichever is greater. 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 indemnified 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. If a Provider is using an Excess Liability policy to supplement any insurance coverage required by this Agreement , they must submit the Excess Liability policy in full.

11. CONFLICT OF INTEREST:

Provider warrants that it is not a conflict of interest for Provider to perform the services required by this Agreement. Provider may be required to fill out a conflict of interest form if the services provided under this Agreement require Provider to make certain governmental decisions or serve in a staff capacity as defined in Title 2, Division 6, Section 18700 of the California Code of Regulations.

12. PROHIBITION AGAINST TRANSFERS:
a. Provider shall not assign, sublease, hypothecate, or transfer this Agreement, or any interest therein, directly or indirectly, by operation of law or otherwise, without prior written consent of the City Manager. Provider shall submit a written request for consent to transfer to the City Manager at least thirty (30) days in advance of the desired transfer. The City Manager or their designee may consent or reject such request in their sole and absolute discretion. 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, claims for money against the City under this Agreement may be assigned by Provider to a bank, trust company or other financial institution without prior written consent. b. The sale, assignment, transfer or other disposition of any of the issued and outstanding capital stock, membership interest, partnership interest, or the equivalent, which shall Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B RCM Fire Protection 7 Service Provider Agreement
Version 03-05-25
result in changing the control of Provider, shall be construed as an assignment of this Agreement.

Control means fifty percent or more of the voting power of Provider.

13. APPROVAL OF SUB-PROVIDERS:
a. Only those persons and/or businesses whose names and resumés are attached to this Agreement shall be used in the performance of this Agreement. However, if after the start of this Agreement, Provider wishes to use sub-providers, at no additional costs to the City, then Provider shall submit a written request for consent to add sub- providers including the names of the sub - providers and the reasons for the request to the City Manager at least five (5) days in advance. The City Manager may consent or reject such requests in their sole and absolute discretion. b. Each sub -provider shall be required to furnish proof of workers ’ compensation insurance and shall also be required to carry general, automobile and professional liability insurance (as applicable) in reasonable conformity to the insurance carried by Provider. c. In addition, any tasks or services performed by sub- providers shall be subject to each provision of this Agreement. Provider shall include the following language in their agreement with any sub-provider: “Sub-providers hired by Provider agree to be bound to Provider and the City in the same manner and to the same extent as Provider is bound to the City.” d. The requirements in this Section 13 shall not apply to persons who are merely providing materials, supplies, data or information that Provider then analyzes and incorporates into its work product.

14. PERMITS AND LICENSES:

Provider, 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 the services and tasks hereunder.

15. REPORTS:
a. Each and every report, draft, work product, map, record and other document produced, prepared or caused to be prepared by Provider pursuant to or in connection with this Agreement shall be the exclusive property of the City.
b. No report, information or other data given to or prepared or assembled by Provider pursuant to this Agreement shall be made available to any individual or organization by Provider without prior approval of the City Manager or their designee. c. Provider shall, at such time and in such form as City Manager or their designee may require, furnish reports concerning the status of services and tasks required under this Agreement.

16. RECORDS:
a. Generally, the City has the right to conduct audits of Provider’s financial, performance and compliance records maintained in connection with Contractor’s operations and services performed under the Agreement. In the event of such audit, Contractor agrees to provide the City with reasonable access to Contractor’s employees and make all such financial (including Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B RCM Fire Protection 8 Service Provider Agreement
Version 03-05-25
annual financial statements signed by an independent CPA), performance and compliance records available to the City. City agrees to provide Contractor an opportunity to discuss and respond to any findings before a final audit report is filed.
b. Provider shall maintain complete and accurate records with respect to the services, tasks, work, documents and data in sufficient detail to permit an evaluation of Provider’s performance under the Agreement , as well as maintain books and records related to sales, costs, expenses, receipts and other such information required by the City that relate to the performance of the services and tasks under this Agreement (collectively the “Records”). c. All Records shall be maintained in accordance with generally accepted accounting principles and shall be clearly identified and readily accessible. Provider shall provide free access to the Records to the representatives of the City or its designees during regular business hours upon reasonable prior notice. The City has the right to examine and audit the Records , and to make copies or transcripts therefrom as necessary, and to allow inspection of all 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 by Provider for a period of three (3) years after receipt of final payment.
d. If supplemental examination or audit of the R ecords 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 discloses a failure to adhere to appropriate internal financial controls, or other breach of this Agreement or failure to act in good faith, then Provider shall reimburse the City for all reasonable costs and expenses associated with the supplemental examination or audit.

17. NOTICES:
a. All notices shall be in writing and delivered: (i) by hand; or (ii) sent by registered, express, or certified mail, with return receipt requested or with delivery confirmation requested from the U.S. postal service ; or (iii) sent by overnight or same day courier service at the party’s respective address listed in this Section.
b. Each notice shall be deemed to have been received on the earlier to occur of : (x) actual delivery or the date on which delivery is refused; or (y) three (3) days after notice is deposited in the U.S. mail or with a courier service in the manner described above (Sundays and City holidays excepted).
c. Either party may, at any time, change its notice address (other than to a post office box address) by giving the other party three (3) days prior written notice of the new address. d. All notices, demands, requests, or approvals from Provider to the City shall be addressed to the City at:

City of Alameda
Base Reuse and Economic Development
950 West Mall Square Suite 205
Alameda, CA 94501
Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B RCM Fire Protection 9 Service Provider Agreement
Version 03-05-25
ATTENTION: Annie Cox
Ph: (510) 747-6893 / Email: [email protected]
e. All notices, demands, requests, or approvals from the City to Provider shall be addressed to Provider at:

RCM Fire Protection, LLC
350 Enterprise Place
Tracy, CA 95304
ATTENTION: ______________________
Ph: _____________ / Email: _____________________
f. All updated insurance certificates from Provider to the City shall be addressed to the City at:

City of Alameda
Base Reuse and Economic Development
950 West Mall Square Suite 205
Alameda, CA 94501
ATTENTION: Alexis Krieg
Ph: (510) 747-6890 / Email: [email protected]

18. SAFETY:
a. Provider will be solely and completely responsible for conditions of all vehicles owned or operated by Provider , including the safety of all persons and property during performance of the services and tasks under this Agreement . This requirement will apply continuously and not be limited to normal working hours. In addition, Provider will comply with all s afety 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 requirement s will be followed. Provider’s failure to thoroughly familiarize itself with the aforementioned safety provisions will not relieve it from compliance with the obligations and penalties set forth herein. b. Provider will immediately notify the City 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. Provider will promptly submit to the City a writte n 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 Provider’s employee(s) involved in the incident; (i ii) name and address of Provider’s liability insurance carrier; (iv) a detailed description of the incident; and (v) a police report.

19. TERMINATION:
a. In the event Provider fails or refuses to perform any of the provisions hereof at the time and in the manner required hereunder, Provider shall be deemed in default in the performance of this Agreement . If such default is not cured within two (2) business days after receipt by Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B 510-363-5804 [email protected]
Jacob Hernandez
RCM Fire Protection 10 Service Provider Agreement
Version 03-05-25
Provider 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 thereafter immediately terminate the Agreement forthwith by giving to Provider written notice thereof. b. The foregoing notwithstanding, 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 Provider as provided herein.
c. Upon termination of this Agreement either for cause or for convenience, 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. The obligation of the parties under this Section 19.c. shall survive the expiration or early termination of this Agreement.

20. ATTORNEYS’ FEES:

In the event of any litigation, including administrative proceedings, relating to this Agreement, including but not limited to any action or suit by any 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.

21. HEALTH AND SAFETY REQUIREMENTS.

Provider acknowledges that the City shall have the right to impose , 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.

22. COMPLIANCE WITH ALL APPLICABLE LAWS:

During the term of this Agreement, Provider shall keep fully informed of all existing and future state and federal laws and all municipal ordinances and regulations of the City of Alameda which affect the manner in which the services or tasks are to be performed by Provider, as well as all such orders and decrees of bodies or tribunals having any jurisdiction or authority over the same. Provider shall comply with all applicable laws, state and federal and all ordinances, rules and regulations enacted or is sued by the City. Provider shall defend, indemnify, and hold City (including its officials, directors, officers, employees, and agents) free and harmless from any claim or liability arising out of any failure or alleged failure to comply with such laws and regulations pursuant to the indemnification provisions of this Agreement.

23. CONFLICT OF LAW:

This Agreement shall be interpreted under, and enforced by the laws of the State of California without regard to any choice of law rules which may direct the 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 Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B RCM Fire Protection 11 Service Provider Agreement
Version 03-05-25
successors of those authorities). Any suits brought pursuant to this Agreement shall be filed with the courts of the County of Alameda, State of California.

24. WAIVER:

A waiver by the 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 same or any other term, covenant, or condition contained herein, whether of the same or a different character.

25. INTEGRATED CONTRACT:

Subject to the language of Section 30, the Recitals and exhibits are a material part of this Agreement and are expressly incorporated herein . This Agreement represents the full and complete understanding of every kind or nature whatsoever between the parties hereto, and all preliminary negotiations and agreements of whatsoever kind or nature are merged herein. No verbal agreement or implied cov enant 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 Provider.

26. PREVAILING WAGES:

Provider is aware of the requirements of California Labor Code Section 1720, et seq., and 1770, et seq. as well as California Code of Regulations, Title 8, Section 1600, et seq., (“Prevailing Wage Laws”) which require the payment of prevailing wage rates and the performance of other requirements on “public works” and “maintenance” projects. Provider agrees to fully comply with such Prevailing Wage Laws if the services are being performed as part of an applicable “public works” or “maintenance” project as defined by the Prevailing Wage Laws and if the total compensation is $1,000 or more. City, upon Provider’s request, shall provide Provider with a copy of the prevailing rates of per diem wages in effect at the commencement of this Agreement.

Provider shall make copies of the prevailing rates of per diem wages for each craft, classification, or type of worker needed to execute the services available to interested parties upon request; and shall post copies at the Provider’s principal place of business and at the project site. Provider shall defend, indemnify, and hold the City (its elected officials, officers, employees, and agents) free and harmless from any claim or liability arising out of any failure or alleged failure to comply with the Prevailing Wage Laws.

27. CAPTIONS:

The captions in this Agreement are for convenience only, are not a part of the Agreement and in no way affect, limit or amplify the terms or provisions of this Agreement.

28. COUNTERPARTS:

This Agreement may be executed in any number of counterparts (including 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.

29. SIGNATORY:

Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B RCM Fire Protection 12 Service Provider Agreement
Version 03-05-25
By signing this A greement, signatory warrants and represents that they executed this Agreement in their authorized capacity and that by their signature on this Agreement, they or the entity upon behalf of which they acted, executed this Agreement.

30. CONTROLLING AGREEMENT:

In the event of a conflict between the terms and conditions of this Agreement (as amended, supplemented, restated or otherwise 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]
Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B

City of Alameda Cover Letter

Jacob Hernandez
Account Manager
350 Enterprise Place
Tracy, CA 95304

Dear City of Alameda,
We are pleased to submit the following bid for the On Call Maintenance, Repair, and Inspection Services for Existing Fire Sprinkler Systems. Our company, RCM Fire Protection, has a proven track record in the Bay Area of being a reliable & responsive fire protection company. With over 20 years of experience installing, inspecting, and servicing fire sprinkler & fire pump systems, we are more than confident that we will be a tremendous partner for the City of Alameda.

Furthermore, with RCM being a part of the union, we are proud to say that our technicians/fitters have additional training that goes beyond the standard requirements. This additional training ensures that our team is well-prepared and highly skilled, which can sometimes reduce the likelihood of any hiccups during the project’s execution, specifically when it comes to repairs.

Our commitment to ongoing education and skill development means that the City of Alameda can trust in the quality and reliability of our services.

Thank you for allowing our team to bid on this project, we look forward to the opportunity of being a resource going forward.

Thank you,

Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B 14 Statement of Qualifications

RCM Fire Protection, LLC has been in business for over 20 years, servicing and installing a variety of different fire systems. Throughout our years of experience, we have developed a full-service team with technicians that cover fire sprinkler, fire pumps, fire alarm, fire extinguishers, and more. In addition to our diverse service abilities, RCM offers a fantastic support system that includes personnel with over 30+ years of industry experience.

As it stands, RCM has a total of 54 employee’s working out of our Tracy office. This includes field technicians, administrative staff, project managers, superintendents, etc. We pride ourselves on being able to handle just about any project that gets thrown our way yet retain the characteristics and level of service expected from a local company. I have provided an organization chart below to show the experience of some our operations team that will be assisting with this project.

Project Management Team:

1. Name: Glen Austin
Title: Superintendent
Role: Glen will have oversight on the entire project, bringing several years of experience and expertise on an as-needed basis.

Contact: (510) 815-5025. [email protected].

Educational Background: Highschool diploma.

Relevant Experience: Currently holds over 40 years of experience installing and project managing a variety of fire sprinkler & fire pump systems. After starting off as a local 483 fitter, Glen worked his way up to being a Project Manager and eventually to the Superintendent of RCM Fire Protection which is a position he has held for over 20 years now. Glen has had the opportunity of successfully managing well over $100 million dollars’ worth of projects over his last 5 years with the company and continues to be a cornerstone of RCM’s success.

2. Name: Antonio Hernandez
Title: Service Manager
Role: Antonio is responsible for all scheduling and dispatching of technicians pertaining to service & inspection work. This position acts as the interface between our technicians and the customers we work with, which results in constant involvement on Antonio’s part. Upon completion of any work, Antonio will also be the individual to provide the necessary documentation which in this case will be the inspection reports.

Contact: (510) 775-4647
Educational Background: High school diploma. 10 years serving the United States Navy.

Relevant Experience: Before assuming the Service Manager position over a year ago, Antonio accumulated a vast amount of fire sprinkler & fire pump knowledge while embarking on his apprenticeship within Local 483. While in the Union, Antonio had the opportunity to work on several different systems on both the construction and service side of Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B 15 things which accelerated his learning curve and made it apparent that he needed to be in a leadership position. Since becoming the service manager, Antonio has successfully project managed a variety of different service & inspection jobs including the Elihu Harris project mentioned in the Letter of Transmittal.

3. Name: Christian Ryan
Title: Account Manager
Role: The account manager position is responsible for fielding all inquiries that the district may have. Any questions, requests, or concerns should be directed towards Christian as he will act as the liaison between RCM and the district’s representative.

This position will work hand and hand with the Service Manager to ensure a successful project.

Any overflow work with sending inspection reports or scheduling will be handled by Christian.

Contact: (510) 602-5237. [email protected].

Educational Background: BSBA degree.

Relevant Experience: Christian has been in the fire protection industry for just over 2 years and is learning the ins and outs of the technical side quickly. Over these 2 years, Christian has obtained (8) NFSA issued certifications including the following topics:

-Inspection of Sprinkler Systems.
-Inspection of Fire Pump Systems.
-Inspection of Standpipe Systems.
-Inspection of Valves and other Common Components.
-Obstruction Investigation.
-Coordinating NFPA 25 & 72 ITM.
-NFPA 25 General Requirements.
-Testing of Fire Sprinkler Heads.

4. Name: Jacob Hernandez
Title: Fire Extinguisher Manager/Account Manager
Role: Jacob is our Fire Extinguisher Division Manager, however, has also been instrumental on the service and inspections side of our fire sprinkler & alarm accounts as well. Coming to RCM with prior experience on the fire prevention side of the industry, Jacob offers a different perspective to our operation and has had a major impact on the way our inspectors’ complete inspections, how reporting should be filled out, and some of the principles we have instilled into our day to day.

Contact: (510) 363-5804
Educational Background: AS in Fire Technology.

Relevant Experience: In the fire protection industry since 2019, Jacob is equipped to service & install fire extinguishers, kitchen hood systems, and dry chem systems.

Throughout his employment with RCM, Jacob has also successfully handled some of the companies largest service contracts including Antioch Unified School District and a variety of residential portfolio’s.

Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B 16 Relevant Experience:
1) Antioch Unified School District. Josh Isenbarger. (925) 597-8651.

[email protected]. 701 W 18th St, Antioch, CA 94509. -Current fire alarm service contractor for (25) sites which includes $279k of inspection work per year. We also assist the district with fire alarm upgrades and special hazard installations as they come up.
2) Department of General Services-Elihu Harris building. Anthony Taylor. (916) 261-5900.

[email protected]. 586 15th St, Oakland, CA 94606 -Primary fire sprinkler & fire pump service provider. This is a 17 story high rise building in Oakland in which we have completed all the required fire sprinkler & fire pump inspections over the last few years. This is a (3) year contract totaling $234k annually. This site has approximately 55 risers, 3 fire pumps-2 diesel and 1 electric, in addition to standpipes with pressure reducing hose valves on each floor.
3) Tracy Defense Depot. Randy Craig, (209) 896-5357. [email protected]. 25600 S Chrisman Rd, Tracy, CA 95304.
-RCM Fire Protection is the primary fire sprinkler & alarm service provider for all Tracy Defense sites for 3 years. Scope of work includes completing all required NFPA 25 & 72 inspections, repairs, and occasionally assisting with tenant improvements & retrofits. This site has over 4 million sqft of protected building space and shows our ability to complete large scopes of work and in a timely manner.

Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B 17 Description of the Proposed Services

On behalf of RCM Fire Protection, we are pleased to provide you with the following detailed scope of work for the Fire Sprinkler Inspection, Testing, and Maintenance at the City of Alameda.

Scope of Work:

1. Fire Sprinkler Systems

Quarterly Inspection
-Visual Inspection of riser, gauges, exposed hangers, braces, supports, pipe & fittings.

Annual Inspection
-Visual Inspection of riser, gauges, exposed hangers, braces, supports, pipe & fittings.

Verifying spare sprinkler heads and necessary wrenches. -Visual inspection of all required signage. Including calc plates, control valve, main drain sign, etc.
-Keeping record of water supply pressure before and after check valve. -Visual inspection of all supervisory devices including tamper and waterflow devices. -Verifying the position, condition, and accessibility of all control valves. -FDC couplings or swivels are not damaged and rotate smoothly. Caps and gaskets are in place and the FDC has the correct signage.
-Inspection of PIV devices to ensure correct orientation and that signage is present. -Visual inspection of standpipe systems and hose valves. Looking for damaged piping, valves, supervisory devices, etc.
-Ground floor visual inspection of all fire sprinkler heads (looking for corrosion, damage, leaks, or paint.
-Verify that the FDC clapper is in the correct position. -Visual inspection of hose connections. Verifying valve caps are present, fire hose is not damaged, valve handles are present, cap gaskets are in good condition, etc. -Partial flow test on any private fire hydrants.
-Exercising of all PIV devices to verify the open/close position. -Main drain test. Verifying that signal is being reached prior to the 90 second allowance. -Testing of all supervisory devices to ensure they are reporting to panel. -Partial flow test on PRV hose valves. (if applicable)
Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B 18 -Testing of back flow system. Opening & closing OS&Y valve, verifying signal to panel.

5-Year Inspection
-Visual Inspection of riser, gauges, exposed hangers, braces, supports, pipe & fittings.

Verifying spare sprinkler heads and necessary wrenches. -Visual inspection of all required signage. Including calc plates, control valve, main drain sign, etc.
-Keeping record of water supply pressure before and after check valve. -Visual inspection of all supervisory devices including tamper and waterflow devices. -Verifying the position, condition, and accessibility of all control valves. -FDC couplings or swivels are not damaged and rotate smoothly. Caps and gaskets are in place and the FDC has the correct signage.
-Inspection of PIV devices to ensure correct orientation and that signage is present. -Visual inspection of standpipe systems and hose valves. Looking for damaged piping, valves, supervisory devices, etc.
-Ground floor visual inspection of all fire sprinkler heads (looking for corrosion, damage, leaks, or paint.
-Verify that the FDC clapper is in the correct position. -Visual inspection of hose connections. Verifying valve caps are present, fire hose is not damaged, valve handles are present, cap gaskets are in good condition, etc. -Partial flow test on any private fire hydrants.
-Exercising of all PIV devices to verify the open/close position. -Main drain test. Verifying that signal is being reached prior to the 90 second allowance. -Testing of all supervisory devices to ensure they are reporting to panel. -Partial flow test on PRV hose valves. (if applicable)
-Testing of back flow system. Opening & closing OS&Y valve, verifying signal to panel. -Internal pipe inspection.
-Above ceiling pipe, supports, hanger, and bracing inspection (if applicable). -FDC back flush. Reverse the check valve.
-Full flow test on PRV hose valves. (if applicable)

Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B 19 Statement of Exceptions

1. RCM Fire Protection, LLC is not proposing any adjustments to the requirements presented in the bid documents.

Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B 20 Project Pricing

Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B 21 08/07/2025
Brown & Brown Insurance Services, Inc.
6 Cadillac Drive, Suite 200
Brentwood TN 37027
Tasha Felts
(615) 385-8283 (615) 385-8360
[email protected]
RCM Fire Protection, LLC
350 Enterprise Place
Tracy CA 95304
The Travelers Indemnity Company of Connecticut 25682
The Travelers Indemnity Company 25658
Travelers Property Casualty Company of America 25674
Ironshore Specialty Insurance Company 25445
A
Deductible $25,000
DTCO2Y933834PHX25 01/15/2025 09/01/2025
1,000,000
300,000
5,000
1,000,000
2,000,000
2,000,000
B 8102Y9064512526G 01/15/2025 09/01/2025
1,000,000
C
10,000
CUP2Y96130A2526 01/15/2025 09/01/2025
5,000,000
5,000,000
C N UB7Y15905A2526G 01/15/2025 09/01/2025
1,000,000
1,000,000
1,000,000
D
Pollution/ Professional Liability
DCP7AADAOTQ001 06/01/2025 07/01/2026
Pollution Agg/ Per Claim $5,000,000
Professional Agg/ Claim $5,000,000
Retention - Each $25,000
City of Alameda, its City Council, boards, commissions, officials, employees, and volunteers are included as Additional Insured on the General Liability, Automobile and Umbrella policies on a Primary and Non-Contributory basis as required by written contract. A Waiver of Subrogation applies on all policies as their interest may be per written contract. The Umbrella policy follows form of the General Liability (including completed operations), Automobile Liability, and Workers' Compensation policies.

City of Alameda
2263 Santa Clara Ave.

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
Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B 8/19/2025
22 COMM RCI L G NERAL IAB LI YE A E L I T
T IS ENDORSEMENT CHANGES T E POLICY. PLEASE REA IT CA EF LLYH H D R U .

BLANKET ADDITIONAL INSURED – A TOMA IC STA USU T T

IF REQUIRED BY WRITTEN CONTRACT (CONTRACTORS)
Thi e dorseme t m d fie i surance prov ded under he f l o ing:s n n o i s n i t o l w

COMM RCI L G NERAL IAB LI Y COVERAG PA TE A E L I T E R The fol owing is ad ed tol d SE TI N II – WHO IS AN (a)C O The Addi ional Insured – Owne s, Le -t r s INSU ED R: see or Contra tors – Scheduled Persos c n
or Organizat o endorsem n CG 20 10i n e tAny erson or o ganiza io tha :p r t n t 07 04 o CG 20 10 04 13, the Addi ionalr ta. Yo agree in a writ en cont a t o ag ee ent tou t r c r r m In ured – Owne s, Le see or Con ra -s r s s t ci clu e as an a ditio al insured on thi Cov ragen d d n s e to s – Com le ed Ope ations endorser p t r -Pa t an r ; d m n CG 20 37 07 04 or CG 20 3 7 04 13,e t b. Ha not been added a an additio al in ured fos s n s r or both o such endo seme ts wi h ei hef r n t t r the sam proje t by at a hm nt o an en orsee c t c e f d - o ho e ed tio date ; orf t s i n s m n under thi Cov rage Pa t which includee t s e r s (b) Ei her or bot o the fol o ing the Addit h f l w : -such perso or organi at on in the endorsem nt'sn z i e tio al In ured – Owne s, Le sees o Con-n s r s rschedule; tra to s – Scheduled Person Or Organ -c r i i a insured but:s n , za ion en orsem n CG 20 10, o the Ad-t d e t r a. On y with re pe t to lia ili y fo "bodily injury di ional Insured – Owl s c b t r t ne s, Le see or s s r" or Co tra tors – Com le ed Ope atio s en-n c p t r n"prope ty dam ge that o cur , or fo "perso alr a " c s r n do sem nt CG 20 37, wi hout a edit or e t n i ni ju y caused by an o f n e that is com it ed,n r " f e s m t da e o uch endo sem nt pe i ie ;t f s r e s c f dsubsequent to the signing of that contract or ag ee ent and while that pa t o the cont a t or m r f r c r the person o o gan zat on i an addit onal inr r i i s i - ag ee ent s in e fe t andr m i f c ; sure only i the in ury or dama e i ca sed,d f j g s u b. On y a de cri ed in Paragraph be i whole o in part by al s s b - n r , cts o om ssions o r i f(1), (2) or (3) y u or you subcont a tor in the pe fo man eo r r c r r clow, whichev r appl e : e i s o "y u work" to whi h the writ en cont act of o r c t r r(1) If the wri ten cont act or ag ee ent speci i a -t r r m f c l ag ee ent ap lie ; or m p s rly require you to prov de addi ional insureds i t (3) If ne ther aragraphi P (1) nor (2) abov appl e : e i scov rage to tha person or organi ation bye t z the se o : u f (a) The perso or o ganizat o is a addin r i n n - tio al i sured only if a d to the ex entn n , n t(a) The Additional Insured – Owners, Les- that the injury o dama e i ca sed by, r g s usee o Cont actors – (Form B) en orses r r d - a t or omi sions o y u o y u subcon-c s s f o r o rm n G 20 10 11 85; ore t C tra to in the pe fo ma ce o "y ur workc r r r n f o "(b) Ei her or bot o the fol o ing the Addit h f l w : - to whi h the wri ten co tra t o agree-c t n c rtio al In ured – Owne s, Le sees o Con-n s r s r m nt applie ; ande stra to s – Scheduled Person Or Organ -c r i (b) Su h pe son o organiza io does notc r r t nzation endorsement CG 20 10 10 01, or qual fy a an addi ional insured with rei s t -the Addit onal Insured – Owne s, Le seei r s s spe t to the independ ent acts or om s-c ior Co tra tors – Com leted Ope ationsn c p r sio s o uch erson or organizationn f s p .endo sem nt G 20 37 0 01;r e C 1 The insurance prov ded to such addi ional i sured isi t nthe person o o gan zat on i an addit onal inr r i i s i - subje t o he fo lowing p ov sion :c t t l r i ssure only if the inju y or dama e ari e outd r g s s o "y u work" to whi h the writ en cont act of o r c t r r a. If the Lim t o Insurance o thi Cov rage Parti s f f s e ag ee ent ap lie ;r m p s shown i the De larat on ex eed the m nim mn c i s c i u (2) If the wri ten cont act or ag ee ent speci i a -t r r m f c l l m t req ired by the wri ten co t act o agree-i i s u t n r r ly require you to prov de addi ional insureds i t m n , the i surance prov ded to the addit o al i -e t n i i n n cov rage to tha person or organi ation bye t z sure wi l be lim ted to such m nim m requi edd l i i u r the se o : u f l m t . For the purpo es o de erm ni g whethei i s s f t i n r CG 6 04 02 19D © 2017 T e Travelers Indemnity Company. All rights reh served. Pa e 1 o 2 g f Policy Number: DTCO2Y933834PHX25
Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B 23 COMM RCI L G NERAL IAB LI YE A E L I T
th s lim tation , the mi im m lim ts requi ed i a claimi i n u i r n . To the ex ent po sible sucht s , by the written co tra t or agreem nt wi l be con- no ice should inn c e l t cl de:u si e ed to incl de the m nim m lim t o any Umd r u i u i s f - (a) How, when and where the "o cur en ec r c " brel a or Ex ess lia il ty cov rage requi ed fo thel c b i e r r or o fe se took la e;f n p c addi ional insured by that written cont a t ot r c r (b) The nam s and add e se o any inj rede r s s f uag ee ent Thi prov sion wil not increa e ther m . s i l s pe sons an witne se ; andr d s sl m t o in urance escribed in Sect oni i s f s d i III – Lim ti s (c) The nature and loca ion o any injury ot f rOf I surancen . dama e a i i g out o the "o cur en e og r s n f c r c " rb. The in uran e prov ded to such a dit onal insureds c i d i o fe se.f ndoe not apply tos :
(2) If a claim is ma e o "sui " i brought agai std r t s n(1) Any "bodi y inju y , "property dam ge ol r " a " r the ad it onal nsuredd i i :"pe sonal injury arising out o the prov d ng,r " f i i (a) Im e ia ely re ord the o them d t c for fai ure to prov de, any pro e sional archil i f s - cla m or "suit an the date re eiv d; andi " d c ete tu al, e gineer ng or surv yin se v ce ,c r n i e g r i s i clu ing:n d (b) No i y us a soon a pra ticable an seet f s s c d to i that we re eiv wri ten not ce o thet c e t i f(a) The prepari g, approv ng, or fa l ng ton i i i cla m or "suit a soon ai " s sprepa e o approv , ma s, shop draw-r r e p i g , opin on , repo ts, surv ys, fiel o -n s i s r e d r (3) Im ed ately send us copie o a l legal pam i s f l - de s or change o de s, o the prepari g, pe s re eiv d in r r r r n r c e co ne tion wi h the claim on c t r approv n , o fai ing to prepare or ap- "sui ", coope ate wi h us i g r l t r t in the inv stigat one i prov , drawings and spe i i a ion ; and o the claim o dee c f c t s f r fense agai st n the "suit , and othe wi e com ly with all pol cy" r s p i( )b Su erv so y, in pe t on, archi ect ral op i r s c i t u r condi ion .t sengineerin a t v t e .g c i i i s
(4) Te der the de en e and indem i y o anyn f s n t f(2) Any "bodily inj ry or "property dam geu " a " cla m or "sui " to any prov der o o her insur-i t i f tcaused by " work a d included in the" n an e whi h wou d cov r such addit onal i -c c l e i n"produ ts- om leted ope ation hazard" unc c p r s - le s the wri ten con ra t or ag ee ent spe if - sure fo a s t t c r m c i d r loss we cov r. Howev r, this co -e e n cal y require you to prov de such cov ragel s i e di ion does no a fe t whethe the insurancet t f c r fo that addit o al in ured during the pol cyr i n s i prov ded to such addi ional insured is prim ryi t a pe iodr . to o her i suran e av ila le to such ad it onalt n c a b d i i sured whi h cov rs that person o organizan c e r -c. The addit o al insured m st com ly with the i n u p tio a a nam d in ured a descri ed in Pa -n s e s s b rlowing utie :d s ag aphr 4., Ot er In urance o Se tionh s , f c IV –(1) G v us written no ice a soon a pra tica lei e t s s c b Co m rcial General Lia il ty ondit on .m e b i C i so a "o cur en e or an o fe se which mayf n c r c " f n Pa e 2 o 2g f © 2017 T e Travelers Indemnity Company. All rights reh served. CG 6 04 02 19D fol-
your
or settlement
practicable.
specifics
applies result
Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B 24 Policy Number: DTCO2Y933834PHX25
Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B 25 Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B 26 Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B 27 COMM RCI L G NERAL IAB LI YE A E L I T

COMMERCIA GENERA LIA ILITY COVERA E FORML L B G
in thi Re ds a (1) The "bo i y in ur " o "pro e ty da a e id l j y r p r m g " s th e t re po i y ca e ul y to de e m n ri ht , dut e a d bye n i l c r f l t r i e g s i s n a th t n " a t k s pl ce a e a wha s a d s no co e e . i het i n i t v r d n t
Thro g o t th s po i y th wo ds "y u a d "y ur" re eu h u i l c e r o " n o f r (2) The "bo i y in u y o "pro e ty da a ed l j r " r p r m g " to th Na e Insure sho n i the a d o cur d ri ge m d d w n n c s u n t e p l cy pe i d; a dh o i r o n a y o he pe so o o g n z t o qua i y ng a a Na en t r r n r r a i a i n l f i s m d (3) Pri r to th pe i d, no in ure l steo e r o s d i dIn ure und r thi po i y The wo ds "we , "us" a ds d e s l c . r " n un e Pa a ra hd r r g p 1. of II – Who Is"o r re e o t e co pa y p o i i g hi i sura ceu " f r t h m n r v d n t s n n . An In ure a d no "e pl y e a t o i es d n m o e " u h r z d The wo d "i sure " m a s a y o ga i a i n by y u tor n d e n n r n z t o o gi e o ov r f an qu l fy ng a such undea i i s r II – Who Is An o kn w tha the "bo i y" r e t d l I sure . i j r " o "pro e ty da a e han d n u y r p r m g " d i who e o in If such a li te i suren l r . s d n dOt e wo ds a d phr se tha a p a in quo a i nh r r n a s t p e r t t o "e pl y e k e , to them o e " n wm rk ha e m a i g. Re e toa s v e n n f r V – pe i d th t the "bo i y i j ry or o , a d l n u " rDe i i i ns. f n t o "pro e ty da a e , th n a yp r m g " e n SE TI N I – CO ERA EC O V G S co ti u t o o re um ti n o suchn n a i n r s p o f "bo i y in ur " o "pro e ty da a ed l j y r p r m g "CO ERA E A – B D L IN U Y A D P O E TYV G O I Y J R N R P R o a t r th pe i d wi l be de m d tor f e e r o l e eD MAGE L A I ITA I B L Y ha e be n no n pri r t h p l cy pe i dv e k w o o t e o i r o .1. I su i g A reem nn r n g e t c. "Bo i y i j ry o "pro e ty da a ed l n u " r p r m g "a. We wi l pa th se sum tha th i surel y o s t e n d duri g th pe i d a d wa no ,n e r o n s tb co e le a l o l ga e to pa a da a ee m s g l y b i t d y s m g s pri r to the pe i d kn w to ha eo r o , o n vb ca se o "bo i y i j ry o "pro e ty da a ee u f d l n u " r p r m g " by a y i sure l ste n e a a ra hn n d i d u d r P r g pto th s in ura ce a p i s. We wi l ha ei s n p l e l v 1. of II – Who Is An Insure o a y d r nth rig t a d du y to de e d the i sure a a nste h n t f n n d g i "e pl y e a t o i e by y u to gi e om o e " u h r z d o v ra y "sui " se k n th se da a e . Ho e e ,n t e i g o m g s w v r o a o , a yf n " r nwe wi l ha e no dut to de e d the i surel v y f n n d co ti u t o , o re um t o o than n a i n r s p i n f ta a nst a y "sui " se k n da a e fo "bo i yg i n t e i g m g s r d l "bo i y i j ry o "pro e ty da a e a t r thd l n u " r p r m g " f e ei j ry o "pro e ty da a e to thin u " r p r m g " s e d f he p ri d.n o t e oi sura ce do s no a p y We m y a o rn n e t p l . a , t u in e t ga e a y " wi l bev s i t n l" d. "Bo i y i j ry o "pro e ty da a ed l n u " r p r m g "a d n se t e a y cl i r "sui " th t a e ul . Bu :t l n a m o t a m y r s t t de m d to ha e be n kn wn to ha e o curr de e v e o v c e a the e rl e t ti e whe a y in ure l stet a i s m n n s d i d(1) The a o n we wil pa fo da a e ism u t l y r m g s un e Pa a ra hd r r g p 1. of II – Who Is Anl m te a de cri e ii i d s s b d n III – Li i s m t In ure o a y "e pl y e a t o i e by y u tos d r n m o e " u h r z d oOf I sur n e ndn a c ; a gi e o o a ov r f n " r cl i : a m(2) Our right and duty to defend end when we
ha e use up th li i ov d e m t f (1) Re o t a l o a y pa t o the "bo i yp r s l , r n r , f d li the pa m nt o j d m n s on y e f u g e t r i j ry o "pro e ty da a e to us o a yn u " r p r m g " r nse tl m n s und r t e e t e A or B or o h r i sure ;t e n rm d ca x e se un e o e a ee i l e p n s d r C v r g C. (2) a wri t n o de a d ot e r m n rNo o he o l g t o o l a i i y to pa sum ot r b i a i n r i b l t y s r cl i fo da a e o the "bo i ya m r m g s f d lo se v ce i unl ssr r i s s e i j ry o "pro e t a a e ; rn u " r p r y d m g " oe pl ci l pro i e fo und r Sup l m n a yx i t y v d d r e p e e t r (3)Payments. a a e by a y o he m a s thaw r n t r e n t "bo i y in ur " o "pro e ty da a e had l j y r p r m g " sb. Thi in ura ce a p i s to "bo i y i j ry a ds s n p l e d l n u " n o curre o a t ccurc d r h s o o ."pro e ty d m ge o l fp r a a " n y i :

Includes copyrighted material of Insurance Services Office, Inc. with its permission.

Various provisions policy restrict
Declarations,
person or
Section
special Section
caused "occurrence
policy
Section
receive notice
"occurrence claim
occurred,
part
or authorized prior
policy
occurred
, change
during
which
which
discretion, occurrence
Section
applicable
insurance
Coverages
perform acts covered
policy
which
occurs policy
policy
occurred
Section
receive
notice "occurrence claim includes
change
policy
Section
receive notice "occurrence
Receives verbal
because
Becomes
begun
coverage.
"coverage territory";
Policy Number: DTCO2Y933834PHX25
Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B 28 COMM RCIAL E ERAL IAB LITYE G N L I
e. Da a e o "bo i y i j ry i cl dem g s f d l n u " n u (3) An sta u e o di a ce o e u a i n e a i gy t t , r n n r r g l t o r l t n da a e cla m d by a y pe so r rga i a i n to the sa e gi t, dim g s i e n r n o o n z t o l , f str bu i n o usi t o r e of fo ca e l ss o se v ce o de th re ul i g ar r , o f r i s r a s t n t a y t m ro he "bo i y i j r ".n i e f m t d l n u y Thi e cl sio a p i s o l i y u a e in thes x u n p l e n y f o r

2. Ex l si nc u o s bu i e s o m n f ct r ng di tri u i g se l n ,s n s f a u a u i , s b t n , l i g se v ng o furn shi g a co o i be e a e . F rr i r i n l h l c v r g s oThi i sura ce d e no p l os n n o s t a p y t : th pur o e o thi e cl sio , pe m t i g ae p s s f s x u n r i t na. Ex ec ed O I te d d I j ryp t r n n e n u pe so to bri g a co o i be e a e o y urr n n l h l c v r g s n o pre i e , fo co sum tim s s r n p o o y u pre n n o r m se , i s i t nd d fro th sta d o n o th i sure . whe he o non e e m e n p i t f e n d t r r t a fe is cha g d o ae r e r is Thi e cl sio do s no a pl to "bo i y in u y re u re fo such s x u n e t p y d l j r " q i d r is no by it e f, t s l o "pro e ty da a e re ul i g fro the use o co si e e th bu ir p r m g " s t n m f n d r d e s ne s o se l n , ss f l i g e v n o r i g r b Co trac u l L ab l t d Wo ke s' Co p n a i n An i il r L w. n t a i i i y . r r m e s t o d S m a a s "Bo i y i j ry o "pro e ty da a e fo An o l g t o o thed l n u " r p r m g " r y b i a i n f i sure un e an d d r wo k r ' r e s th i sure is o l ga e to pa da a e by co p nsa i n di a ie n d b i t d y m g s m e t o , s b l t be e i s ori y n f t re so o th a sum t o o l a i i y i a un m l y e t co pea n f e s p i n f i b l t n e p o m n m n a i n l w o as t o a r n sim l ry i a co tr ct o a r e e t. Thi e cl sio do s no l w.n a r g e m n s x u n e t a a pl o l a i i y f r a a e :p y t i b l t o d m g s e. Em l yer's i b l tp o L a i i y (1) Tha t e i sure o l a e i t e a se cet h n d w u d h v n h b n "Bo i y i j r " tod l n u y :
(1) An "e pl y e o the i sure a i in o t om o e " f n d r s g u f(2) Assum d in a co tr ct o a re m nt th t ie n a r g e e a s a d n th co r e o :n i e u s f a "i sure , pro i e th t thn n d v d d a e (a) Em l y e t y th i sure ; op o m n b e n d r"bo i y in u y o "pro e ty da a ed l j r " r p r m g " (b) Pe f r i g dut e re a e to ther o m n i s l t d
o a r e e t. So e y fo th purp se or g e m n l l r e o s f l a i i y a sum d in a "i surei b l t s e n n d (2) The spo se chi d pa e t bro h r o sisteu , l , r n , t e r rre so a l a t rne s' fe s a da n b e t o y e n o tha "e pl y e a a of t m o e " s fl t g ti n e p nse i curr d by o f r a tyi i a o x e s n e r o a p r Pa a r pr g a h (1) a o eb v .o h r th n a i sure wi l be de m d to bet e a n n d l e e Thi e cl si n a pl e whe he th in ure m ys x u o p i s t r e s d ada a e o "bo i y i j ry om g s f d l n u " r be l a l s a e p o e r n ny o hei b e a n m l y r o i a t r"pro e ty d m g ", ro i e th tp r a a e p v d d a : a d t a y o l ga i n to sha e da a e wi h on o n b i t o r m g s t r(a) Li b l t to such pa ty fo , o fo thea i i y r r r r re a so e ne e se who m st pa da a ep y m o l u y m g sco t o , th t de e se ha a sos f a f n s l be n a sum d in the sa e "i suree s e m n d Thi e cl si n do s no a p y to l a i i ys x u o e t p l i b l tco tr ct"; ndn a a a sum d by the i sure un e a "i sures e n d d r n n d (b) a t r e s' fe s a d l t g t ot o n y e n i i a i n co tr ct .n a " e pe se a e fo de e se o th t pa tx n s r r f n f a r y f. P l u i no l t oa a nst a ci i o a t rn t v di putg i v l r l e a i e s e (1) "Bo i y in u y o "pro e ty da a e a i i gd l j r " r p r m g " r s nre o ut o in whi hs l i n c o t o the , a l g d o th e te eu f l e e r r a n dda a e to th s in ura cem g s i s n di cha ge di pe sa , se p g , m gr t o ,s r , s r l e a e i a i na pl e a e a l ge .p i s r l e d re e se o o "po l t n s":l a r f l u a tc. L q o i b l ti u r L a i i y (a) At o fro a y pre i e , sit or m n m s s e r"Bo i y i j ry o "pr p rt da a e fod l n u " r o e y m g " r l ca i n whi h i o wa a a y ti eo t o c s r s t n ma y i sure a e h l i b e b e so o :n n d m y b e d l a l y r a n f o ne o by o re t d ow d r , r n e r (1) Ca si g o to the i t x ca i nu n r n o i t o l a e to a y i sure . Ho e e , th so n d , n n d w v r i o n e so ;f a y p r n subp ra ra h o s n t pp y t :a g p d e o a l o (2) The furn shi g o a co o i be e a e to ai n f l h l c v r g s (i) "Bo i y in u y i susta n d wit i ad l j r " f i e h n pe so und r the l g l dri k ng a e or n e e a n i g r bu l i g a d ca se by sm k ,i d n n u d o e u de he o on r t f r fu e , o so t pro uce bym s r o d d o o i i a i g fro e u pm n th tr r g n t n m q i e t a
Pa e 2 o 21g f CG 1 0 02 1T 0 9© 2017 The Travelers Indemnity Company. All rights reserved.

Includes copyrighted material of Insurance Services Office, Inc. with its permission. because
license
activity
which
contract"
occurs
contract",
necessary
because
party's
Such
proceeding
consequence
capacity
actualwhich
which
contributing
influence
escape
occupied
vapor
alcoholic beverages.
"Bo i y i j ry o "pro e ty d m ge e pe te od l n u " r p r a a " x c d r re so a l f rce t p o e t pe so s o p o e t .a n b e o o r t c r n r r p r y of the contract or agreement; or
furnishing alcoholic beverages.
subse u n to t e e e ut o o t e co t a tq e t h x c i n f h n r c conduct of the insured's business; or
because of the injury.
alcohol;
Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B 29 COMM RCI L G NERAL IAB LI YE A E L I T
i use to he t co l o to pe f rm th no m ls d a , o r r o e r a , th bu l i g o by o hy ra l c oe i d n , r r d u i r
o i i a i g fro e u pm n tha isr g n t n m q i e t t fo th o e a i n or e p r t o f use to he t wa e fo pe so ad a t r r r n l "m bi e e ui m n " o it pa t , ifo l q p e t r s r s use by th bui di g s o cup n s oe l n ' c a t r such fue s, o o h rl r t e th i u sts;e r g e o e a i g fl i s e ca e fro ap r t n u d s p m (i )i "Bo i y i j ry o "pro e tyd l n u " r p r
o the . Thi e ce ti nr m s x p oda a e fo y u m y bem g " r o a do s no a pl if the "bo i y i j rye t p y d l n u "he d li b e if y u a e a co tr ct rl a l , o r n a o o "pro e ty da a e a i e o t or p r m g " r s s u fa d the o ne o le se o suchn w r r s e f th in e ti n l di cha ge di pe sae t n o a s r , s r lpre i e , sit o l ca i n ha be nm s s e r o t o s e o r l a e o the fue s, r e e s f la de to y ur a ad d o s n o o h r o e a i g fl i s, o i suchr t e p r t n u d r fadditional insured with respect to y ur o g i g o e a i ns pe fo m d fu l , o o he oo n o n p r t o r r e e s r t r p r t ne a i g fo th t a d t o a i sure a tha fl i s a e bro gh o or a d i i n l n d t t u d r u t n r to the pre i e , sit o l ca i n a d suchm s s e r o t o n pre i e , sit o l ca i n wit them s s e r o t o h pre i e , sit o l ca i n is nom s s e r o t o t i t nt th t th y be di cha g d,n e a e s r e a d ne e wa o n d o o cupi dn v r s w e r c e di pe se o re e se a pa t os r d r l a d s r f by o re te o l a e to a y, r n d r o n d , n th o e a i n be ng pe fo m d bye p r t o s i r r e i sure , o he tha tha a d t o an d t r n t d i i n l such in ure , ors d i sure ; on d r
(i ii ) "Bo i y i j ry o "pro e tyd l n u " r p r (i )i "Bo i y inj ry o "pro e tyd l u " r p rda a e a i i g o t o he t,m g " r s n u f a da a e susta n d wit i am g " i e h nsm k o fu e fro a "ho ti eo e r m s m s l bu l i g a d ca se by th re e sei d n n u d e l afi e ;r " o ga e , fum s o v po s frof s s e r a r m (b) At o fro a y pre i e , sit or m n m s s e r m te i l bro g t in o th t bu l i ga r a s u h t a i d n l ca i n whi h i o wa a a y ti eo t o c s r s t n m
use by o fo a y i sure o o h rs f rd r r n n d r t e o pe f r e by y u o o y u e a fr o m d o r n o r b h l th ha dl ng sto a e dispo a ,e n i , r g , s l by a co tr ct r r subco t a ; on a o o n r r r pro e sin r re tm n o w stec s g o t a e t f a ;
(i ii ) "Bo i y inj ry o "pro e tyd l u " r p r(c) If such "po l t n s" a e o we e a a yl u a t r r r t n da a e a i i g o t o he tm g " r s n u f a ,ti e tra spo t d, ha d e , sto e ,m n r e n l d r d sm k o fu e fro a "ho ti eo e r m s m s ltr a e , di po e o , o ae t d s s d f r s fi e ; rr " owa te by o o :s r f r (e) At o fro a y pre i e , sit or m n m s s e r(i) An nsure ; oy i d r l ca i n o whi h a y in ure o a yo t o n c n s d r n(i )i An pe so o o g n z t o foy r n r r a i a i n r o wo k ngr r iwho y u m y be le a lm o a g l y o o a y i sure 'r n n n d sre po si l ;s n b e be a f a e o we e a a y ti eh l r r r t n m (d) At o fro a y pre i e , sit or m n m s s e r pe fo m ng o e a i n to te t fo ,r r i p r t o s s r l ca i n o whi h a y in ure o a yo t o n c n s d r n m ni o , cl a up, re o e co t i ,o t r e n m v , n a n co tr ct rs o subco t a r wo k ngn a o r n r o s r i tr a , de o i y o ne tr l z , o in a ye t t x f r u a i e r n o o a y i sure 'sr n n n d wa re po d to o a se s thy s n , r s s e be a f a e pe fo m ng o e a i n if theh l r r r i p r t o s o , "po l t n s".f l u a t "po l t n s" a e bro gh o o to thel u a t r u t n r
(2) An l ss, co t o e p n e a i in o t oy o s r x e s r s g u fpre i e , si e o l ca i n i co n ct om s s t r o t o n n e i n a yn :wi h such o e a i n by such in ure ,t p r t o s s d co tr ct r o sub o tr ct r. Ho e e ,n a o r c n a o w v r (a) Re ue t, de a d o de o sta ut ry oq s m n , r r r t o rth s subp ra ra h o s n t pp y t :i a g p d e o a l o re u a o y re ui e e t t a a y in ureg l t r q r m n h t n s d (i) "Bo i y inj ry o "pro e tyd l u " r p r o o he s te t fo , m ni o , cle n up,r t r s r o t r a da a e a i i g o t o the e ca em g " r s n u f s p r m v , co t i , tre t de o i y oe o e n a n a , t x f r o fue s, o ot ef l r h r ne t a i e o in a y wa re po d to ou r l z , r n y s n , r o e a i g fl i s a e ne d dp r t n u d r e e a se s t e o , "po l t n s"; rs s h f l u a t o CG 1 0 02 1T 0 9 Pa e 3 o 21g f© 2017 The Travelers Indemnity Company. All rights reserved.

Includes copyrighted material of Insurance Services Office, Inc. with its permission. dehumidify
produced
electrical
mechanical functions
necessary
which
policy
lubricants
receive
lubricants
lubricants
contractor
cto
processed
ct
directly indirectly
lubricants
which
contractors subcontractors
directly indirectly
effects
effects
i o n cti n wi h pe a i ns be nn c n e o t o r t o i g
v hi l pa t de i n d to ho d, sto ee c e r s g e l r
subcontractor;
Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B 30 COMM RCIAL E ERAL IAB LITYE G N L I
(b) Cl i o sui by o o be a f o a ya m r t r n h l f n (b) The o e a i n o a y o the m chi e yp r t o f n f a n r go e nm n a a t o i y o a y o he o e ui m n l ste in Pa av r e t l u h r t r n t r r q p e t i d r gra hp f. 2)( pe so o o ga i a i n b ca se o or n r r n z t o e u f r f. 3)( o the de i i i n o "m bi ef f n t o f o l te ti g fo , m n t r ng cl a i g up, e ui m n "; rs n r o i o i , e n n q p e t o re o i g, con a ni g, tre t ngm v n t i n a i , (6)d to i y ng o ne t a i i g, o i a ye x f i r u r l z n r n n (a) Cha t re i h a pi o o a y i sure ;r e d w t l t t n n dwa re po di g to o a se sin they s n n , r s s g e fe t o , "po l t n s".f c s f l u a t (b) No w e y a y i sure ; a dt o n d b n n d n g Ai craft u o O at rcra t (c). r , A t r W e f No be n use to ca r a y pe so ot i g d r y n r n r pro e ty f r p r o a"Bo i y in u y o "pro e t da a e a i i g o td l j r " r p r y m g " r s n u o th o n r hi , m i t na ce use orf e w e s p a n e n , h Mob l q ip e t. i e E u m n e tr stm nt to o he s o a y "a t " on u e t r f n u o r "Bo i y in u y o "pro e ty da a e a i i g o td l j r " r p r m g " r s n uw te cra t o n d o o e a e by o re t d oa r f w e r p r t d r n e r o :fl a e to a y in ure . Use o e a i no n d n s d p r t o (1) The tra spo t t o o "m bi e e u pm n "n r a i n f o l q i e ta d "l a i g r n o d n ".n o d n o u l a i g by a "a t " o ne o o e a e by on u o w d r p r t d rThi e cl si n a p i s e e if the cla ms x u o p l e v n i s re t d r l a e o a y i sure ; on e o o n d t n n d ra a nst a y i sure a l g ne l g nce o o h rg i n n d l e e g i e r t e (2) The use o "m bi e e ui m nt i , o whi ef o l q p e " n r lwro g o n i th supe v sio , hir ngn d i g n e r i n i , i fo , o whi e be ngn r r l ie pl y e t tr i i g o m ni o i g o o he s bym o m n , a n n r o t r n f t r a y spe d, de o i i n,n e m l t oth t in ure , if th whi h ca sea s d e " c u d o stun i gr t n .th "bo i y i j ry o "pro e ty d m ge i v l ee d l n u " r p r a a " n o v d th o ne shi , m i t na ce use oe w r p a n e n , r i. War e t ust e t to o he s o a y "a t " on r m n t r f n , u o r "Bo i y in u y o "pro e ty da a e a i i g o td l j r " r p r m g " r s n uwa e cra t tha is o ne o o e a e by ot r f t w d r p r t d r o :f re t d r o n d o a y i sure .n e o l a e t n n d (1) Wa , i cl di g u d cl r d o ci i a ;r n u n n e a e r v l w r Thi e cl sio o s no a pl t :s x u n d e t p y o (2) Wa l k by a m l ta y fo cer i e i i r r ,(1) A wa e cra t whi e a ho e o pre i e y ut r f l s r n m s s o i hi d ri g o de e d ng a a n t an n e n r f n i g i s no n r e tw o r n ; o e pe t d a t ck by a yr x c e t a , n (2) A a e cra t y u o n t o n ha s: go e n e t so e e gn ow t r f o d o w t t i v r m n , v r i r o he a t o i t r u h r ty usin i i a y pe so n l o t e ge t ; og m l t r r n e r o h r a n s r(a) 50 fe t o g o l ss; nde l n r e a (3) In urr ct o , re e l o , re o ut o , usurp ds e i n b l i n v l i n e(b) No be n use to ca r a y pe so ot i g d r y n r n r po e , o ta e by go e n e t lw r r k n v r m n apro e ty f r ha g ;p r o a c r e a t o i y in hi d ri g o de e d ng a a nstu h r t n e n r f n i g i(3) Pa k n a "a t " o , o o the wa s ne tr i g n u o n r n y x a y o he en f t s .to pre i e y u o n o re t, pro i e the, m s s o w r n v d d j. D m g o P o ertya a e T r p"a t " i no o n d by o re t d o l a eu o s t w e r n e r o n d to y u r he i sure ; "Pro e ty d m ge too o t n d p r a a " :
(4) Li b l t a sum d unde a y "i surea i i y s e r n n d (1) Pro e ty y u o n, re t, o o cup ,p r o w n r c y co tr ct fo he o ne shi , m i t na ce o i cl di g a y co ts o en a " r t w r p a n e n r n u n n s r x e se i cu re p n s n r d by y u, o a y o he pe so , o g ni a io r n t r r n r a z t o o n r e t t , fo re a r, re l ce e tn i y r p i p a m n ,(5) "Bo i y in u y o "pro e ty da a e a i i gd l j r " r p r m g " r s n e ha ce e t, re to a i n o m i t na cen n m n s r t o r a n e no t o :u f o such pro e t fo a y re so , f p r y r n a n (a) The op ra i n o m chi e y ore t o f a n r pre e ti n o i j ry to a pe so o da a ev n o f n u r n r m ge ui m n th t i a t ch d to o pa tq p e t a s t a e , r r to a o he 's p o e t ;n t r r p r yo , a la d v hi l th t wo l qua i y af n e c e a u d l f s (2) Pre i e y u sel , gi e a a o a a d n ifm s s o l v w y r b n o ,"m bi e e u pm n " un e th d fi i i no l q i e t d r e e n t o th "pro e ty da a e a i e o t o a ye p r m g " r s s u f no "m bi e e ui m nt i such la df o l q p e " f n pa t o h se pr m se ;r f t o e i swe e no subj ct to ar t e co p l o y o fi a ci l re po si i i ym u s r r n n a s n b l t (3) Pro e ty l a e o y u;p r o n d t o l w, o o he m t r v h cl in ura cea r t r o o e i e s n (4) Pe so a pro e t i th ca e custo y or n l p r y n e r , d rl w, whe e i is o pri ci a la r t r n p l y co tr l o t e i sure ;n o f h n dga a e ; rr g d o Pa e 4 o 21g f CG 1 0 02 1T 0 9© 2017 The Travelers Indemnity Company. All rights reserved.

Includes copyrighted material of Insurance Services Office, Inc. with its permission. includes
"occurrence
practice
prearranged racing,
prepared for,
activity
aircraft
vehicle
includingaction
action
actual
action
including
licensed
An aircraft that is:
aircraft,
use of aircraft or watercraft;
charge.

Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B 31 COMM RCI L G NERAL IAB LI YE A E L I T
(5) Tha pa t cul r pa t o re l pro e t o phy ica in u yt r i a r f a p r y n s l j r to "y ur o or whi h y u o a y co tr ct rs o "y ur wo k a t r it ha be n putc o r n n a o r o r " f e s e to it in e des t n d use.
o y u be a f a e pe f rm n o e a i ns, ifn o r h l r r o i g p r t o n Rec l O ro u ts W rk r mp i ed. a l f P d c , o O I a r th "pro e ty da a e a i e o t o tho ee p r m g " r s s u f s P o ertyr p o e a i n ; rp r t o s o Da a e cl i e fo a y l ss, co t o e pe sem g s a m d r n o s r x n (6) Tha pa t o a y pro e t that r f n p r y t i cu re by y u o o h r fo th l ss o usen r d o r t e s r e o f , m st be re to e , re a re o re l ceu s r d p i d r p a d wi hd a a , , re a rt r w l , p i , b ca se "y ur wo k wae u o r " s re l ce e t a j stm nt re o a o di po ap a m n , d u e , m v l r s s l o :f
(1) "Y u ro uct";o r p dPa a r p sr g a h (1), (3) a dn (4) o th s e cl si n dof i x u o no a p y to "pre i e da a e . A se a a et p l m s s m g " p r t (2) "Y u o k ; ro r w r " o l m t o i sura ce a p i s to "pre i e da a ei i f n n p l e m s s m g " (3) "Im a re p o e t ";p i d r p r ya de crib d in Pa a r ps s e r g a h 6. of III – i such wo k o pro e t is f r , r p r yLi i s O nsura cem t f I n .

Pa a ra hr g p (2) o h s e cl sio o s no a pl if t i x u n d e t p y f pe so o o g n z t o o a k o n or n r r a i a i n f n w rth pre i e a e "y ur wo k a d we e ne ee m s s r o r " n r v r o, , r, re t d r e d fo e t l by y un e o h l r r n a o . da g ro s co di i n i tn e u n t o n i .

Pa a r p sr g a h (3), (4), (5) a dn (6) o th sf i o P rso a n d erti i g I ju y. e n l A d A v s n n re cl sio do no a pl to li b l t a sum dx u n t p y a i i y s e "Bo i y in u y a i i g o t o "pe so a a dd l j r " r s n u f r n l nun e sid tr ck a re m ntd r a e a g e e . a v rt si g i j ry .d e i n n u "Pa a ra hr g p (6) o th s e cl sio do s no a plf i x u n e t p y p a a. D tto "pro e ty da a e i cl de in th "pro uct -p r m g " n u d e d s co p e e p ra i n h z r ".m l t d o e t o s a a d Da a e a i i g o t o th lo s o , lo s o usem g s r s n u f e s f s f o , da a e to co ru t o o , i a i i y to a ce s,f m g , r p i n f n b l t c sk. D m g o Yo r P o u ta a e T u r d c "Pro e ty da a e to "y ur pr d ct a i i g o tp r m g " o o u " r s n u o t o ny p rt o i .f i r a a f t Ho e e , thi e cl si n do s no a p y tow v r s x u o e t p l l a i i y fo a a e b ca se o "bo i y i j r ".i b l t r d m g s e u f d l n u yl. D m g o Yo r Wo ka a e T u r "Pro e ty d "p r q U so i i e o m n ca i n. n l c t d C m u i t oa a e to y ur wo k a i i g o t om g " o r " r s n u f i o a y pa t o it a d i cl d d i he "pro uct -t r n r f n n u e n t d s "Bo i y in u y o "pro e ty da a e a i i g o td l j r " r p r m g " r s n uco p e e p ra i n h z r ".m l t d o e t o s a a d o a y o a l g d v o a i n o a y l w thaf n r l e e i l t o f n a t Thi e cl si n do s no a pl if th da a es x u o e t p y e m g d o pro i i s the se d ng tr n m t i gr h b t n i , a s i t n wo k o th wo k o t o whi h th da a er r e r u f c e m g o d stri ut n fr i b i g o a i e wa pe fo m d o y ur be a f by ar s s s r r e n o h l r. Acc s O Di c o u e O Con id n i l Oe s r s l s r f f e t a rsubco tr cto .n a r P rso a n o m ti ne n l I f r a om. D m g o I p i ed P o erty O P o ertya a e T m a r r p r r p "Bo i y in u y o "pro e ty da a e a i i g o td l j r " r p r m g " r s n uN t h sic l y In u edo P y a l j r o a y a ce s to o di cl sure o a y pe so 'f n c s r s o f n r n s "Pro e ty da a e to "i p i e pro e t " op r m g " m a r d p r y r o o g ni a i n' co f de ti l or pe so ar r a z t o s n i n a r n l pro e ty th t ha no be n l in u e ,p r a s t e l y j r d i f rm t o .n o a i n a i i g o t o :r s n u f
s. Asb st se o(1) A in d qu cy or, a e a
(1) "Bo i y in u y o "pro e ty da a e a i i gd l j r " r p r m g " r s nda g ro s in "y ur pro uct on e u o d " r o t o th a t a o a l g d pre e ce ou f e c u l r l e e s n r"y ur o k ; ro w r " o a t a , a l ge o th e t ne di pe sa oc u l l e d r r a e d s r l f(2) A de a o fa l r by y u o a y nl y r i u e o r n o e a be to , a be to fi e s o pro u tss s s s s s b r r d co y ur be a f to pe fo m a on o h l r r r co ta n n a be to , pro i e th t then i i g s s s v d d aa re m nt i cco d nce w t t t rm .g e e n a r a i h i s e s "bo i y i j ry o "pro e ty da a e id l n u " r p r m g " s Thi e cl si n do s no a pl to the l ss o ses x u o e t p y o f u ca se o co t i ut d to by the ha a d usu d r n r b e z r o o o h r pro e t a i in o t o sudd n a df t e p r y r s g u f e n pro e ti s o sbe to .p r e f a s s CG 1 0 02 1T 0 9 Pa e 5 o 21g f© 2017 The Travelers Indemnity Company. All rights reserved.

Includes copyrighted material of Insurance Services Office, Inc. with its permission. particular
incorrectly
accidental product"
recall inspection
Section
occupied
product, withdrawn
because
suspected defect deficiency inadequacy
Electronic
actual
restricts
"unsolicited communication".
physica
deficiency
condition
acting
contract
subco t a t r wo k n di e t y o i d re tln r c o s r i g r c l r n i c y performed on it.
o re a l d fro th m rk t o fro use by a yr c l e m e a e r m n or inability to manipulate "electronic data".
defect,
Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B 32 COMM RCIAL E ERAL IAB LITYE G N L I
(2) "Bo i y in u y o "pro e ty da a e a i i g e pl y e t- e a ed l j r " r p r m g " r s n m o m n r l t d de cri es b d in o t o th o a l g d pre e ce o Pa a r pu f e r l e e s n r r g a h (a), (b), ro (c) a o e ib v s a l ge o th e t ne di pe sa ol e d r r a e d s r l f Thi e cl si n a pl e whe he th in ure m ys x u o p i s t r e s d a a y so i , li ui , ga e us o th r an l d q d s o r e m l be l a l s a e p o e r n ny o hei b e a n m l y r o i a t r o i cl di g sm k , v po s,r n u n o e a r a d t a y o l ga i n to sha e da a e wit on o n b i t o r m g s h r so t fu e , , a k l s, a do , m s l a i n re a so e ne e se who m st pa da a ep y m o l u y m g s wa te a d th t a e pa t o a y os , n a r r f n r be a se o he "bo i y i j r ".c u f t d l n u y "sui " whi h a so a l ge a y "bo i y i j ryt c l l e s n d l n u " Ex l si nsc u o c. th o gr u h n. do no a p y to "pre i et p l m s so "pro e ty da a e de cri e inr p r m g " s b d da a e . A se a a e li i o i sura ce a p i s tom g " p r t m t f n n p l ePa a r pr g a h (1) a o eb v . "pre i e da a e a de cri e in Pa a r pm s s m g " s s b d r g a h 6. of III – Li i s O nsur n em t f I a c .(3) An l ss, co t o e p nse a i in o t oy o s r x e r s g u f a yn : CO ERA E B – P RSO A A D AD ERT SI GV G E N L N V I N IN U Y L AB L TJ R I I I Y( )a Re ue t, de a d o de o sta ut ry oq s m n , r r r t o r

1. In u in g e m ns r g A r e e tre u a o y re ui e e t tha a y i sureg l t r q r m n t n n d o o he s te t fo , m ni o , cle n up,r t r s r o t r a a. We wi l pa th se sum tha th i surel y o s t e n d re o e co t i , tre t de o i y om v , n a n a , t x f r le a l o l ga e to pa a da a eg l y b i t d y s m g s ne t a i e o i a y wa re po d to ou r l z , r n n y s n , r o "pe so a a d a v rt si g in ur " tof r n l n d e i n j y a se s the e f ct o , a be to ,s s f e s f s s s th s i sura ce a pl e . We wi l ha e thei n n p i s l v a be to fi e s o pro uct co t i i gs s s b r r d s n a n n ri ht a d du y to de e d t e i sure a a nst a yg n t f n h n d g i n a be to ; rs s s o "sui " se k n th se da a e . Ho e e , we wi lt e i g o m g s w v r l ha e no dut to de e d the in ure a a n t a yv y f n s d g i s n( )b Cl i o sui by o o be a f o a ya m r t r n h l f n "sui " se k n da a e fo "pe so a a dt e i g m g s r r n l ngo e n e t l a t o i y o a y o h rv r m n a u h r t r n t e a v rt si g in ur " to thi i sura ce do sd e i n j y s n n epe so o o ga i a i n or n r r n z t o f no a p y We m y at o r t p l . a , u ,te ti g fo , m n t r ng cl a i g up,s n r o i o i , e n n i v sti a e a y o fe se a d se t e a y cla m on e g t n f n n t l n i rre o i g, con a ni g, tre t ngm v n t i n a i , "sui " th t a e ul . Bu :t a m y r s t tde o i y ng o ne t a i i g o in a yt x f i r u r l z n , r n wa re po di g to o a se sin they s n n , r s s g (1) The a o n we wil pa fo da a e ism u t l y r m g s e fe t o , a be to , a be to fi e s o l m te a de cri e if c s f s s s s s s b r r i i d s s b d n III – Li i sm t pro uct co t i i g a be to . Of I sura ce a dd s n a n n s s s n n ; n t. Em l ymen -Rel te ra ti esp o t a d P c c (2) Ou rig t a d dut to de e d e d whe wer h n y f n n n ha e use up th li i ov d e m t f"Bo i y i j r " tod l n u y :
i sur n e i the pa m nt o j d m n s on a c n y e f u g e t r(1) A e so ri in ut o nyp r n a s g o f a :
se tl m n s und r Co e a et e e t e v r g s A or B or(a) Re usa o e p o h t e so ;f l t m l y t a p r n x e se un e o e a ee p n s d r C v r g C.(b) Te m na i n o tha pe so 'sr i t o f t r n No o he o l g t o o l a i i y to pa sum ot r b i a i n r i b l t y s re pl y e t rm o m n ; o pe f r o se v ce i unl ssr o m r r i s s e(c) Em l y e t re a ep o m n - l t d , , e pl ci l pro i e fo un e Su p e e t ryx i t y v d d r d r p l m n ao o i si n, such a co rci n,r m s o s e o Pa m nt .y e sde o i n, e a u ti n re ssi nm n ,m t o v l a o , a g e t b. Thi i sura ce a pl e to "pe so a a ds n n p i s r n l ndi cip i e fa l re to pro o e os l n , i u m t r a v rti i g in ur " ca se by a o fe se a i i gd e s n j y u d n f n r s na v nce ha a sm n , hum l a i nd a , r s e t i i t o , o t o y u bu i e s but o l i th o f nse wau f o r s n s n y f e f e sdi crim na i n, li e , sl nd r v o a i ns i t o b l a e , i l t o co m t e in th "co e a e te r t r " du i g thm i t d e v r g r i o y r n eo th pe so 's rig t of e r n h f po i y p ri d.l c e oo fa se a re t,r l r s
de e t o o i p i o m n a p i d t ot n i n r m r s n e t p l e o r 2 Ex l si n. c u o s a tha pe so , re a dl ss ot t r n g r e f Thi i sura ce d e no p l os n n o s t a p y t :whe he such ot r , , r a. Kn w n i l t o f i h s f n th ro i g V o a i n O R g t O A o eo i si n i a p i d o ism s o s p l e r co m t e be o e duri g o a t r them i t d f r , n r f e "Pe so a a d a v rt sin in ur " ca se by or n l n d e i g j y u d r ti e o t a e so 's e p o m nt rm f h t p r n m l y e ; o a th o the i sure wi h thet e f n d t (2) The spo se chi d pa e t bro h r o sisteu , l , r n , t e r r k o l d e th t the wo l v o a e the rig tn w e g a u d i l t h s o tha pe so a a co se u nce o "bo i yf t r n s n q e f d l o a o h r a d wo l "pe so a a df n t e n u d r n l n i j ry to tha pe so a who a y o then u " t r n t m n f a v rt si g i j r ".d e i n n u y Pa e 6 o 21g f CG 1 0 02 1T 0 9© 2017 The Travelers Indemnity Company. All rights reserved.

Includes copyrighted material of Insurance Services Office, Inc. with its permission. actual
actual,
irritant
practices
capacity
contaminant,
acids chemicals
claim
because
Section
becomes
because
which
which
discretion
Section
applicable
practice policy
act
malicious prosecution
directed
practice policy act
occurs,
medical
acts covered
direction
act
inflict
privacy,
directed.

Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B 33 COMM RCI L G NERAL IAB LI YE A E L I T
Thi e cl si n do s no a pl to "pe so a a a nst a ci i o as x u o e t p y r n l g i v l r l e n t v di putt r a i e s e re o u i n pro e di g is l t o c e n n
da a e to th s in ura cem g s i s nb Mate ia u l s ed Wi h Kn w ed e O. r l P b i h t o l g f a pl e a e a l ge .p i s r l e dF l i ya s t f. B ea h O o tracr c f C n t"Pe so a a d a v rt sin in u y a i i g o t or n l n d e i g j r " r s n u f o a o wri te pu l ca i n i cl di g "Adv rt sinr l r t n b i t o , n u n e i g i j ry a i i g o t on u " r s n u f a bre ch o a f co tr ctn a .
th o th i sure wi h kno l d e oe f e n d t w e g f g Q a it O erfo m n e f o d – F i u e. u l y r P r a c O G o s a l ri s f l i yt a s t . To Co fo m To S at m n sn r t e e t c. Mate ia u l s ed O s d P i r T o i yr l P b i h r U e r o o P l c "Adv rt sin in ur " a i i g o t o th fa l re oe i g j y r s n u f e i u fP rioe d go ds, pro uct o se v ce to co fo m wi ho d s r r i s n r t (1) "Pe so a a d a v rt sin n u y a i i g o t a y sta e e t o quar n l n d e i g i j r " r s n u n t m n f l t o pe foi y r r rm n e m dea c a o o a o wri t n pu l ca i n i o r "a v rt se ef r l r t e b i t o , n y u d e i m nt . " pu l ca i n by e e t o i m a s, o m t ri lb i t o l c r n c e n f a e a h Wro g D s ri ti n O ric s. n e c p o f P e who e fi st pu l ca i n to k pl ce be o es r b i t o o a f r "Adv rt sin in u y a i i g o t o the wro ge i g j r " r s n u f nth b gi ni g o t e p l cy pe i d re e n n f h o i r o ; o de cri t o o the pri e o go ds, pro uct os p i n f c f o d s r(2) "Ad e t si g i j ry a i i g ou ofv r i n n u " r s n t se v ce sta e n y ur "a v rt se e t .r i s t d i o d e i m n "i f i ge e t o co y i ht "ti l " o "sl g n"n r n m n f p r g , t e r o a i. In el ec u l P op rtyt l t a r ei y ur "a v rt se e t who e fi stn o d e i m n " s r i f i ge e t i y ur "a v rt se e t wa "Pe so a a d a v rt sinn r n m n n o d e i m n " s r n l n d e i g in u y a i i g o tj r " r s n u of co m t e be o e the be i n n o the a y o a l g d i fm i t d f r g n i g f n r l e e n ri ge e t o v o an m n r i l t o o i n f po i y p r o . a y o th fo l wi g ri h s o la s, o a yl c e i d n f e l o n g t r w r n o h r t e "pe so a a d a v rt si g in ur " a l ge i a yr n l n d e i n j y l e d n nd Crim n l Act. i a s cl i o "sui " th t a so a l ge a y sucha m r t a l l e s n"Pe so a nd a v rt si g i j ry a i i g o t o ar n l a d e i n n u " r s n u f i f i ge e t r i l t o :n r n m n o v o a i n cri i a co m t e by o a the om n l m i t d r t f (1) Co y i h ;p r g tth i sure .e n d (2) Pa e tt n ;e. Co trac u l L ab l tn t a i i i y
(3) Tra e d e s;d r s"Pe so a a d a v rt sin in ur " fo ther n l n d e i g j y r i sure ha a sum d l a i i y in a on d s s e i b l t r (4) Tra e n m ;d a e a re m nt Thi e cl sio do s no a pl tog e e . s x u n e t p y (5) Tra e a kd m r ;l a i i y f r a a e :i b l t o d m g s (6)(1) Tha the i sure o l a e i h a se cet n d w u d h v n t e b n (7) Ot e n e l ctu l p o e t i h s o a s.h r i t l e a r p r y r g t r l w Thi e cl sio d e no p l os x u n o s t a p y t :(2) Be a se o "pe so a in u y a sum d byc u f r n l j r " s e y u in a o a re m nt th t i ao r g e e a s n (1) "Ad e t si g i j ry a i i g o t o a yv r i n n u " r s n u f n "i sure co tr ct , pro i e th t then d n a " v d d a o a l g d i fri g m n o v o a i n or l e e n n e e t r i l t o f "pe so a in u y i ca se by a o f n er n l j r " s u d n f e s a o h r's co y i h , "ti l " o "sl g n" in t e p r g t t e r o a n y ur "a v rt se e t ; ro d e i m n " o
th o a re m n . So e y fo thee r g e e t l l r
(2) An o h r "pe so a a d a v rt sin in u yy t e r n l n d e i g j r "pu po e o li b l ty a sum d by y u i ar s s f a i i s e o n n a l ge in a y cla m o "sui " th t a sol e d n i r t a l"i sure co t a t , re so a l a t r e s'n d n r c " a n b e t o n y a l ge a y such i f i ge e t o v o a i nl e s n n r n m n r i l t ofe s a d ne e sa y l t ga i n e pe see n c s r i i t o x n s o a o h r' co y i ht "ti l " o "sl g n" if n t e s p r g , t e r o a ni cu re by o fo a pa ty o he th n an r d r r r t r a n y ur "a v rt se e t .o d e i m n "i sure wi l be de m d to be da a en d l e e m g s be a se o "pe so a i j ry , ro i e h t:c u f r n l n u " p v d d t a j. In u ed I ed a n n e ne ypes r s n M i A d I t r t T B si e s su n s e(a) Li b l t to such pa t fo , o fo tha i i y r y r r r e co t o , th t pa t ' de e se ha a sos f a r y s f n s l "Pe so a a d a v rt si g in ur " ca se by ar n l n d e i n j y u d nbe n a sum d by y u in th sa ee s e o e m o fe se co m t e by a i sure who ef n m i t d n n d s"i sure o t a t ; ndn d c n r c " a bu i e s i :s n s s (b) Su h a t r e s' fe s a d l t g t oc t o n y e n i i a i n (1) Ad e t si g o pu l shi g;v r i n , r b i ne pe se a e fo de e se o th t pa tx n s r r f n f a r y CG 1 0 02 1T 0 9 Pa e 7 o 21g f© 2017 The Travelers Indemnity Company. All rights reserved.

Includes copyrighted material of Insurance Services Office, Inc. with its permission. publication
direction
including
which
which
actual
act direction
which
contract
contract
contract
actual
"broadcasting"
injury" caused by malicious prosecution.
by e e tro i m a s, o a e i l f do e by o tl c n c e n f m t r a , i n r a of the contract or agreement; or
co m t e sub e ue t to th e e ut o om i t d s q n e x c i n f Trade secret; or
Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B 34 COMM RCIAL E ERAL IAB LITYE G N L I
(2) De ig i g o de e m n n con e t o ne tr l z n , o i a y wa es n n r t r i i g t n f u a i i g r n n y r spo di g o n n t , r o we sit s f r o he s; rb e o t r o
(3) An In e n t se rch, a ce s, co t nt ot r e a c s n e r o War. se v ce p o i e .r i r v d r "Pe so a nd a v rt si g i j ry a i i g o t o :r n l a d e i n n u " r s n u f Ho e e , thi e cl si n do s no a p y tow v r s x u o e t p l (1)Pa a ra hr g p s a. 1)( , (2) a dn (3) o th d fi i i n ff e e n t o o (2) Wa l k by a m l ta y fo ce in l d ngr i e i i r r , c u i"pe so a i j ry .r n l n u " a t o i hi d ri g o de e d ng a a n t ac i n n n e n r f n i g i s nF r t e p rp se o h s e cl sio :o h u o s f t i x u n a t a o e pe t d a t ck by a yc u l r x c e t a , n (1) Cre t n a d pro uci g co re po de ce go e nm nt so e e gn o oa i g n d n r s n n v r e , v r i r t e a t o i y h r u h r t wri t n in the co d ct o y u busin ss, usin i i a y pe so n lt e n u f o r e g m l t r r n e o t e ge t ; or o h r a n s r bu l t ns, fi a ci l o a n a re o t , ol e i n n a r n u l p r s r (3) In urre t o , re e l o , re o ut o , usurp ds c i n b l i n v l i n ene sle te s a o t y u go ds, pro u ts ow t r b u o r o d c r po e , o ta e by go e n e t lw r r k n v r m n ase v ce wil no be co si e e ther i s l t n d r d a th ri y i hi d r ng o de e di g a a nstu o t n n e i r f n n g ibu i e s o u l shi g; a ds n s f p b i n n a y o he en f t s . (2) The pl ci g o fra e , bo d rs o l n s, oa n f m s r e r i k r p U so i i e o m n ca i n. n l c t d C m u i t o a v rt sin , fo y u o o he s a y he e od e i g r o r t r n w r n "Pe so a a d a v rt sin in u y a i i g o t or n l n d e i g j r " r s n u fth Int rn t wi l no , by i se f, be co si e ee e e l t t l n d r d a y o a l ge v o a i n o a y l w th tn r l e d i l t o f n a ath bu i e s o a v rt si g "bro dca ti ge s n s f d e i n , a s n " o pro i i s the se d ng tr n m t i gr h b t n i , a s i t no pu l shi g.r b i n o d stri ut n f "un o i i e co m ni a i n".r i b i g o s l c t d m u c t o k. El c ro i h t oo s O u le i B arde t n c C a r m r B l t n o s q Acc s O Di c o u e O Con id n i l O. e s r s l s r f f e t a r "Pe so a a d a v rt sin in u y a i i g o t or n l n d e i g j r " r s n u f P rso a n o m ti ne n l I f r a o a e e tro i cha r o o bul e i bo rd then l c n c t o m r l t n a "Pe so a a d a v rt sin in u y a i i g o t or n l n d e i g j r " r s n u fi sure ho ts o o ns, o o e whi h then d s r w r v r c a y a ce s to o di cl sure o a y pe so ' on c s r s o f n r n s ri sure x rci e co t o .n d e e s s n r l o ga i a i n' co fi e t a o pe so ar n z t o s n d n i l r r n l l. U au h rized U e f n th r's a e On t o s O A o e N m r i f rm t o .n o a i n P o u tr d c r. Asb st se o
"Pe so a a d a v rt sin in u y a i i g o t or n l n d e i g j r " r s n u f (1) "Pe so a a d a v rt sin n u y a i i g o tr n l n d e i g i j r " r s n uth una t o i e use o a o he 's na e oe u h r z d f n t r m r o the o a l ge pre e ce of r l e d s n rpro uct in y ur - a l a d e s, o a n n m od o e m i d r s d m i a e r a l ge r hre t n d i pe sa o a be to ,l e d o t a e e d s r l f s s sm ta a , o a y o he sim l r ta ti s to m sl ae t g r n t r i a c c i e d a be to fi e s o pro u ts co t i i gs s s b r r d c n a n na o h r s p t nt a usto e s.n t e ' o e i l c m r a be to , pro i e th t th "pe so a a ds s s v d d a e r n l n m. P l u i no l t o a v rt sin in ur " i ca se o co tr bu ed e i g j y s u d r n i t d to by t e h z rd us pro e ti s o sbe to .h a a o p r e f a s s"Pe so a a d a v rt sin in u y a i i g o t or n l n d e i g j r " r s n u f (2) "Pe so a a d a v rt sin n u y a i i g o tr n l n d e i g i j r " r s n uth a l ge o th e te e di cha g ,e l e d r r a n d s r e o the o a l ge pre e ce of r l e d s n rdi pe sa , se pa e m gra i n, re e se os r l e g , i t o l a r a l ge o th e t ne di pe sa o a y so i ,l e d r r a e d s r l f n l de ca e o "po l t n s" a ny t m .s p f l u a t t a i e l q i , ga e us o th rm l ir i a t oi u d s o r e a r t n rn P l u i n Rel t d. o l t o - a e co ta i a t i cl di g sm k , v po s,n m n n , n u n o e a r An o s, x e se a i in ut o nyy l s e p n r s g o f a : so t fu e , a k l s, a do , m s l a i n wa te a d th t a e pa t o a y os , n a r r f n r(1) Re ue t, de a d o de o sta ut ry oq s m n , r r r t o r "sui " whi h a so a l ge a y "pe so a a dt c l l e s n r n l nre u a o y re u re e t th t a y in ure og l t r q i m n a n s d r a v rt sin in u y de cri e i Pa a r phd e i g j r " s b d n r g ao h r te t fo , m n t r up re o et e s s r o i o , , m v , (1) a o eb v .co ta n tre t de o i y o ne t a i e o inn i , a , t x f r u r l z , r (3) An l ss, co t o e p n e a i in o t oy o s r x e s r s g u fany way respond to, or assess the effects o , "po l t n s"; r a yf l u a t o n :
(2) Cl i o sui by o o be a f o a ya m r t r n h l f n (a) Re ue t, de a d o de o sta ut ry oq s m n , r r r t o r re u a o y re ui e e t tha a y i sureg l t r q r m n t n n dgovernmental authority or any other person o o g n z ti n o te ti g fo , o o he s te t fo , mr r a i a o f s n r r t r s r o i o , cle n up,n t r a m ni o i g, up, re o i g re o e co t i , tre t de oo t r n m v n , m v , n a n a , t x fy oi r co ta n n , tre t ng de o i y ng or ne t a i e o i a y wa re pon i i g a i , t x f i u r l z , r n n y s nd to o , r Pa e 8 o 21g f CG 1 0 02 1T 0 9© 2017 The Travelers Indemnity Company. All rights reserved.

Includes copyrighted material of Insurance Services Office, Inc. with its permission. action
action
actual,
actual
restricts
actual actual,
actual actual,
cost or
clean
because
cleaning
acids, chemicals
claim
assessing the effects of, "pollutants".

War, including undeclared or civil war;
Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B 35 COMM RCI L G NERAL IAB LI YE A E L I T
a se s the e f ct o , a be to ,s s f e s f s s s (3) o y u pe a i ns;f o r o r t o a be to fi e s o pro uct co t i i gs s s b r r d s n a n n pro i e ha :v d d t t a be to ; rs s s o (a) The ta e pl ce in th "co e a ek s a e v r g( )b Cl i o sui by o o be a f o a ya m r t r n h l f n te r t r " a d uri g t e p l cy pe i dr i o y n d n h o i r o ;go e n e t l a t o i y o a y o h rv r m n a u h r t r n t e (b) The e pe se a e i cu re a d re o t d tox n s r n r d n p r epe so o o ga i a i n or n r r n z t o f us wit i o e y a o the da e o theh n n e r f t fte ti g fo , m n t r ng cl a i g up,s n r o i o i , e n n na dre o i g, con a ni g tre t ngm v n t i n , a i , de o i y ng o ne t a i i g o in a yt x f i r u r l z n , r n (c) The in ur d pe so subm t to e a i a i nj e r n i s x m n t o , wa re po di g to o a se sin they s n n , r s s g
e fe t o , a be to , a be to fi e s o a o t n s we re so a lf c s f s s s s s s b r r s f e a a n b y re ui eq r . pro uct co t i i g a be to .d s n a n n s s s b. We wi l m k th se pa m nt ol a e e y e s f s. Em l ymen -Rel t d P act c sp o t a e r i e fa l . The e pa m nt wi l no e ce d theu t s y e s l t x e a pl ca l li i o i sura ce We wi l pap i b e m t f n n . l y"Pe so a n ur " tor n l i j y : re so a l x e se f r:a n b e e p n s o (1) A e so ri in ut o nyp r n a s g o f a : (1) F rst a d a m ni te e a the ti e o ai i d i s r d t m f n (a) Re u a o e p o ha p rso ;f s l t m l y t t e n
(b) Te m na i n o tha pe so 'sr i t o f t r n (2) , X-ra a dy ne pl y e t rm o m n ; o de t l se v ce , n a r i s (c) Em l y e t re a ep o m n - l t d , ,
a t o o i si n, such a co rci n,c r m s o s e o (3) ho pi a ,s t l de o i n, e a u ti n re ssi n e tm t o v l a o , a g m n , pro e si n l nu si g a d un r l se v ce .f s o a r n n f e a r i s di cip i e fa l re to pro o e ors l n , i u m t 2. Ex l si nc u o sa v nce ha a sm n , hum l a i nd a , r s e t i i t o , We wi l n t a e pe se fo "bo i y i j r ":l o p y x n s r d l n u ydi crim na i n, li e , sl nd r v o a i ns i t o b l a e , i l t o o th pe so 's rig t of e r n h f , a. An I su edy n r
o fa se a re t,r l r s
de e t o o i p i o m n a p i d t ot n i n r m r s n e t p l e o r b H red P rso. i e na tha pe so , re a d e s ot t r n g r l s f whe he such ot r , , r To a pe so hi e to do wo k fo o o be a f or n r d r r r n h l f o i si n i a p i d o ism s o s p l e r a y i sure r t na t f ny i sure .n n d o a e n o a n d co m t e be o e duri g o a t r them i t d f r , n r f e c. In u y O N rma l O c p ed P em s sj r n o l y c u i r i eti e o t a e so 's e p o m nt rm f h t p r n m l y e ; o To a pe so in u e o th t pa t o pre i er n j r d n a r f m s s (2) The spo se chi d pa e t bro h r o sisteu , l , r n , t e r r y u o n o re t tha th pe so no m l yo w r n t e r n r a l o th t pe so a a co se u nce of a r n s n q e f
"pe so a i j ry to th t pe so a whor n l n u " a r n t m d Wo ke s' Co p n a i n An i il r L w. r r m e s t o d S m a a sa y o the e pl y e t re a en f m o m n - l t d To a pe so , whe he o no a "e pl y e or n t r r t n m o e " fde cri e in Pa a ra hs b d r g p (a), (b), or (c) a y i sure , i be e i s f r t e "bo i y i j r " a en n d f n f t o h d l n u y rabove is directed. pa a l o m st be pro i e und r a wo k r 'y b e r u v d d e r e sThi e cl si n a pl e w e he th in ure m ys x u o p i s h t r e s d a co p nsa i n o di a i i y be e i s la o am e t o r s b l t n f t w rbe l a l s a e p o e r n ny o hei b e a n m l y r o i a t r si i a a .m l r l wa d t a y o l ga i n to sha e da a e wi h on o n b i t o r m g s t r e. Ath et c c i iti sl i s A t v erepay someone else who must pay damages o he "pe so a nj ry .f t r n l i u " To a pe so i j re whi er n n u d l CO ERA E CV G o pa t ci a i g i a y phy ica e e ci e or r i p t n n n s l x r s s r– MED CAL P YMEN SI A T ga e , po t , o a h e i co te ts.m s s r s r t l t c n s1. In u in g e m ns r g A r e e t f. P o u ts-Co p e ed O era i n a ardr d c m l t p t o s H za. We wi l pa m d ca e pe se al y e i l x n s s In l d d wi hi the "pro uct -co p e ec u e t n d s m l t dbe o o "bo i y i j r " ca se b n cci e tl w f r d l n u y u d y a a d n :
o e a i n h z r ".p r t o s a a d(1) On p e i e y u o n r e tr m s s o w o r n ; g Co erag x l s o s. v e A E c u i n(2) On wa s ne t to pre i e y u o n o re ty x m s s o w r n ; or u d r o e a en e C v r g A.

Includes copyrighted material of Insurance Services Office, Inc. with its permission.

Because
accident
because
practice policy
privacy
malicious prosecution
directed
practice policy act
occurs,
accident;
regardless
accident;
Necessary medical, surgical
including prosthetic
devices; and
Necessary ambulance,
practices
capacity
because
described
occupies.
practicing, instructing
Excluded
a o r e pe se by phy i i nt u x n , s c a s o o r ho cef u c i To any insured, except "volunteer workers".

Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B 36 COMM RCIAL E ERAL IAB LITYE G N L I
SU P EMEN ARY P YMEN SP L T A T a sum d by th in ure in th sa e "i sures e e s d e m n d co tr ct ;n a "1. We wi l pa , wi h to a y cl i wel y t n a m d. The a l ga i ns i th "sui " a d t e i f r a i nl e t o n e t n h n o m t oi v st ga e o se tl , o a y "sui " a a nst n i suren e i t r t e r n t g i a n d we k o a o t th "o cur e ce o o f n e a en w b u e c r n " r f e s rwe d fe de n :
such th t no co fl ct a p a s to e i t be we na n i p e r x s t e a. A l e pe se we i curl x n s n . th i t re ts o the i sure a d the i t re ts oe n e s f n d n n e s f th i de n t ee n m i e ;b. Up to $2 50 fo th co t o ba l bo ds re u re, 0 r e s f i n q i d b ca se o a ci e ts o tra f c l w v o a i ne u f c d n r f i a i l t o s e. The in e n t e a d the i sure a k us tod m i e n n d s a i i g o t o the use o a y tor s n u f f n a d co t o th de e se o than n r l e f n f t th Bo i y Inj ry Li b l t Co e a e a p i s. Wee d l u a i i y v r g p l e i d m i e a a n t such "sui " a d a re than e n t e g i s t n g e t do no h v t h se bo ds.t a e o t e n we ca a si n th sa e co n e to de e d thn s g e m u s l f n e i sure nd th i d m i e ; ndn d a e n e n t e ac. The co t o bo ds to a ta hm n s, buts f n t c e t f. The i d m i e :n e n t e
o i sura ce We do no ha e to furn sh th sef n n . t v i e (1) Ag e s i w i i g or e n r t n t :
bo d .n s (a) Co p r t wi h us in th in e ti a i n,o e a e t e v s g t o d. Al re so a l e pe se by thel a n b e x n s se t e e t o d fe se o h "sui ";t l m n r e n f t e t i sure a o r re ue t to a sist us in then d t u q s s (b) Im e i t l se d us co i s o a ym d a e y n p e f ni v st ga i n o de e se o th cl i o "sui ",n e i t o r f n f e a m r t d m nd , no i e , sum o se o e ae a s t c s m n s r l g li cl di g l ss o e rn n s up to $5 0 an u n o f a i g 0 pa e s re e v d in wi h thep r c i e t "sui ";t
e. Al co rt co ts ta e a a nst th i sure in thel u s x d g i e n d (c) No i y an o h r insure who et f y t e r s "sui ". Ho e e , th se pa m nt do not w v r e y e s t co e a e i a a l b e to th i de n t ev r g s v i a l e n m i e ; a t rne s' fe s o a t rn y ' e pe se ta et o y e r t o e s x n s x d a dn a a nst h i sure .g i t e n d (d) Co p r t wi h us wi h too e a e t t f. Pre u g e t i t re t a a d d a a nst the co rdi a i g o he a pl caj d m n n e s w r e g i o n t n t r p i b e i sura cel n n i sure o tha pa t o th j d m n we pa . If a a l bl o tn d n t r f e u g e t y v i a e t he i de n t e nn m i e ; a d we m k a o f r to pa the a pl ca l li i oa e n f e y p i b e m t f (2) Pro i e u w t ri t n ut o i a i n tov d s s i h w t e a h r z t o :
i sura ce we wil no pa a y pre u g e tn n , l t y n j d m n (a) Ob a n a d o h r i f r a i nt i n t e n o m t oi te e t ba e o tha pe i d o ti e a t r then r s s d n t r o f m f e re a e t h "sui "; ndl t d o t e t ao fe .f r (b)g. Al i t re t o the fu l a o n o a y ju g e tl n e s n l m u t f n d m n i d m i e n uch "sui ".n e n t e i s tth t a t r e tr o th j d m n a da f e n y f e u g e t n So lo g a th a o e co d t o s a e m t a t r e s'n s e b v n i i n r e , t o n yb fo e we ha e pa d, o f r d to pa , oe r v i f e e y r fe s by us in th de e se o thae e f n f tde o it d in co rt th pa t o th ju g e t thap s e u e r f e d m n t i de n t e ne e sa y l t ga i n e pe sen m i e , c s r i i t o x n si w t i h a pl ca l l m t o n ura ces i h n t e p i b e i i f i s n . by us a d ne e sa y l t g ti n e p nse byn c s r i i a o x e sThe e pa m n s wi l no the l m ts os y e t l t i i f th i d m i e a o r re u st wi l be pa d ae n e n t e t u q e l i s. Su p e e t ry Pa m n s. No wi h ta d n thep l m n a y e t t t s n i g

2. If we de e d a i sure a a nst a "sui " a d af n n n d g i t n n pro i i n o Pa a ra hv s o s f r g p 2. . 2)b ( of I – i d m i e o the in ure i a so na e a an e n t e f s d s l m d s Co e a e – Co e a ev r g s v r g A – Bo i y Inj ry And l u d to the "sui ", we wi l de e d tha i d m i e if a l ot l f n t n e n t e l f Pro e ty Da a e Li bi i y o Pa a ra hp r m g a l t r r g p 2. .e of th f l o i g e o l w n I – Co e a e – Co e a ev r g s v r g B – Pe so ar n l An Adv rt sin Inj ry Li bi i y such pa m nt wi ld e i g u a l t , y e s la. The "sui " a a nst the i d m i e se kt g i n e n t e e s no be de m d to be da a e fo "bo i y i j ry ,t e e m g s r d l n u "da a e fo the in ure ha a sum dm g s r s d s s e "pro e ty da a e o "pe so a in u y , a d wi l nop r m g " r r n l j r " n l tth l a i i y o th i d m i e in a oe i b l t f e n e n t e r re u e t e l m ts o n ura ced c h i i f i s n .a re m ntg e e b. Thi i sura ce a pl e t uch l a i i y a sum ds n n p i s o s i b l t s e Ou o l g t o to de e d a in ure ' in e n t er b i a i n f n n s d s d m i e by t e i sure ;h n d a d to pa fo a t rne s' fe s a dn y r t o y e n l t g ti n e pe se a Sup l m n a y Pa m n si i a o x n s s p e e t r y e tc. The o l ga i n to de e d o the co t o thb i t o f n , r s f e e ds wh nn e :de e se o , tha i d m i e , ha a so be nf n f t n e n t e s l e Pa e 10 o 21g f CG 1 0 02 1T 0 9© 2017 The Travelers Indemnity Company. All rights reserved.

Includes copyrighted material of Insurance Services Office, Inc. with its permission. respect
vehicle which
furnish
release
incurred
actual
conduct
connection
include
accrues
reduce
insurance
party
which
contract
that is an "insured contract";
respect
records
incurred
incurred
incurred
Section
Section
necessary
itonly for bond amounts the applicable limwithin
day because of time off from work.

Co du t a d co t o th de e se o t en c n n r l e f n f h conditions are met:

Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B 37 COMM RCI L G NERAL IAB LI YE A E L I T
a. We ha e use up the a pl ca l l m t o wo k rs" whi e pe fo m ng duv d p i b e i i f r e l r r i ti se in th pa m nt o j d m n s, re a e to the co d ct oe y e f u g e t l t d n u f y uro se t e e t o m d ca x e se ; r bu i e s;t l m n s r e i l e p n s o s n s (b) To th spo se chi d pa e t, bro he oe u , l , r n t r rb. The co d t o s se fo t a o e o the te m on i i n t r h b v , r r s f si te o tha co "e pl y e os r f t - m o e " rth a r e e i a a ra he g e m n n P r g p f. a o eb v , "v l n e r wo k r" a a co se u nceo u t e r e s n q ea e n o ge e .r o l n r m t o a a r pf P r g a h (1) a)( a o eb v ;SE TI N I – WH S AN I SU EDC O I O I N R (c) F r whi h th re i a y o l ga i n too c e s n b i t o1. If y u re d si n t d n tho a e g a e i e sha e da a e wi h o re a so e ner m g s t r p y m oa. An in i i ua , y u a d y u spo se a ed v d l o n o r u r e se who m st pa da a e be a sel u y m g s c ui sure s, but o l wit to then d n y h o the in ur de cri e in Pa a ra hf j y s b d r g po usin ss o o re t e so e o n r.f a b e f y u a h l w e (1) a)( or (b) a o e rb v ; o b. A pa tn rshi o jo n v n ure y u a e ar e p r i t e t , o r n (d) Ari i g o t o hi o he pro i i g os n u f s r r v d n ri sure . Y ur m m e s, y u pa t e s, a dn d o e b r o r r n r n fa l ng to pro i e pro e sio a he l hi i v d f s n l a tth i spo se a e a so in ure s, bu o l wi he r u s r l s d t n y t ca e se v ce .r r i s Unl ss y u a e in th busin ss oe o r e e rc. A li i e l a i i y co pa y y u a e a i sure .m t d i b l t m n , o r n n d o cup ti n o pro i i g pro e sio a he l hc a o f v d n f s n l a tY u m m e s a e a so i sure s, bu o l wi ho r e b r r l n d t n y t ca e se v ce , Pa a ra hr r i s r g p s (1) a)( , (b), (c)to th o y ur busin ss. Y ue f o e o r a dn (d) a o e do no a pl to "bo i y i j r "b v t p y d l n u ym na e s a e i sure s, but o l wi h ta g r r n d n y t o a i i g o t o pro i i g o fa l n to pro i er s n u f v d n r i i g v dth i u i s a y ur a a e s.e r d t e s o m n g r fi st a d o "Go d Sa a i a se v ce " byr i r o m r t n r i s d. An o ga i a i n o he th n a pa t e shi , j i tr n z t o t r a r n r p o n a y o y ur "e pl y e " o "v l n e rn f o m o e s r o u t e v nt r o l m te l a i i y co p ny y u a e ae u e r i i d i b l t m a , o r n wo k rs", o h r tha a e p o e or e t e n n m l y d r v l n e r Any such "e pl y e " oo u t e m o e s r
a e in ure s, but o l wi h to th ir s d n y t e r "v l n e r wo k rs" pro i i g o fa l ng too u t e r e v d n r i i d ti s a y ur o . Y uu e s o r o r pro i e fi st a d o "Go d Sa a i av d r i r o m r t n st ck o d r a e a so i sure s, but o l wi ho h l e s r l n d n y t se v ce " du i g the r wo k ho rs fo y ur i s r n i r u r o wi l be de m d to be wi hi thel e e t n
sco e o the r e pl y e t by y u op f i m o m n o re. A tr st, y u a e a in ure . Y u tru te s a eu o r n s d o r s e r pe f r i g dut e re a e to the co d ct or o m n i s l t d n u fa so in ure s, but o l wit to th il s d n y h e r y ur usin ss.o b ed ti s a t u te s.u e s r s e
(2) "Pro e ty d m ge to pr p rt :p r a a " o e y2. f he fo l wi g i a so a i sure :o t l o n s l n n d (a) Own d, r se ye o u d b ;a. Y ur "v l n e r wo k rs" o l whi e pe fo m ngo o u t e r e n y l r r i (b) Re t d to in the custo y on e , , d rdu i s re a e to the o y ur busin ss,t e l t d f o e co tr l o , o o e whi h phy ican o f r v r c s lo y u "e pl y e ", o h r th n e t e y ur o r m o e s t e a i h r o r co tr l i b i g e e ci e fo a yn o s e n x r s d r n
pu po e b ;r s yo h r tha a pa t e shi , j i t v n u e o l m t dt e n r n r p o n e t r r i i e l a i i y co p ny o y u a a e s (i o re ai b l t m a ) r o r m n g r f y u a y u, a y o y u "e pl y e ", "v l n e ro n f o r m o e s o u t e l m te l a i i y co pa y , but o l foi i d i b l t m n ) n y r wo k rs", a y pa t e o m m e i o rer e n r n r r e b r ( f y u a wi hi the o the r e p o m n by y u ot n f i m l y e t o r a pa t e shi o jo n v n u e , o a yr n r p r i t e t r ) r n whi e pe f rm n du i s re a e to the co d ctl r o i g t e l t d n u m m e (i y u a e a li i e l a i i ye b r f o r m t d i b l t o y ur busin ss. Ho e e , no e o th sef o e w v r n f e co pa y .m n ) "e pl y e " o "v l n e r wo k rs" a em o e s r o u t e r e r b. An pe so (o he tha y ur "e pl y e oy r n t r n o m o e " ri sur d f r:n e s o "v l n e r wo k r"), o a y o g n z t o , whi eo u t e r e r n r a i a i n l (1) "Bo i y i j r " o "pe so a n ur ":d l n u y r r n l i j y a t n s y u e l e ta e m na e .c i g a o r r a s t a g r (a) To y u, to y u pa t e s o e be s (io o r r n r r m m r f c. An pe so o o g n z t o ha i g pro ey r n r r a i a i n v n p ry u a e a pa t e shi o j i t v n u e ,o r r n r p r o n e t r ) te po a y custo y o y ur pro e ty if y u di ,m r r d f o p r o eto y u m m e s (if y u a e a li i eo r e b r o r m t d bu nl :t o yl a i i y co p n ), to a co "e pl y ei b l t m a y - m o e " (1) Wit to li b l t a i i g o t o theh a i i y r s n u fwhi e in th o hi o hel e f s r r m i t na ce o se o t a r p rt ; a da n e n r u f h t p o e y ne pl y e t o pe fo m ng dut em o m n r r r i i s re a e to the o y ul t d f o r (2) Unt l y u l ga re r se t t v ha be ni o r e l p e n a i e s e bu i e s, o to y u o h r "v l n e r a po n e .s n s r o r t e o u t e p i t d CG 1 0 02 1T 0 9 Pa e 11 o 21g f© 2017 The Travelers Indemnity Company. All rights reserved.

Includes copyrighted material of Insurance Services Office, Inc. with its permission. insurance
t described
Declarations as:
respect conduct
which
respect conduct
respect
respect
officers directors
respect
Each
conduct
acts
scope
doctor.
acting
occupied
care
course
conduct
respect
respect to the conduct of your business.
i sure . Y u "e e u i e o fi e s" a d di e t rsn d o r x c t v f c r n r c o respect to their liability as stockholders.
"e e u i e o f ce s" (i y u a e a o ga i a i nx c t v f i r f o r n r n z t o Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B 38 COMM RCIAL E ERAL IAB LITYE G N L I
d. Y u l g l re re e t t v if y u di , but o lo r e a p s n a i e o e n y b. Ari e o t o th o n r hi , m i te a ce os s u f e w e s p a n n n r wi h to duti s as such. Tha use o t a a t o ny pre i et e t f h t p r f a m s s l a e o y u.e s d t o re re e ta i e wi l ha e a l y u rig t a dp s n t v l v l o r h s n The i sura ce pro i e to such pre i e o ne ,n n v d d m s s w rdu i s un e hi Co e a e Pa tt e d r t s v r g r . m na e o l sso i to the fo l w nga g r r e r s l o i e. An pe so o o ga i a i n tha , wi h y u pro i io s:y r n r r n z t o t t o r v s n e pre s o im l e co se t, e t e use o isx s r p i d n n i h r s r a. The l m ts o i sura ce pro i e to suchi i f n n v d dre po sib e fo the use o a wa e cra t th t y us n l r f t r f a o pre i e o ne , m na e o le so wi l be them s s w r a g r r s r ldo no o n th t s:t w a i m n m m l m t th t y u gre d o p o i e i hei i u i i s a o a e t r v d n t (1) 50 fe t o g r e s; a d wri t n o a r e e t, o the le l n o l s n t e r g e m n r i i sm t sho n i he ra i ns, hi e a e l ss.w n t t o w v r r e(2) No be ng use to ca ry a y pe so ot i d r n r n r pro e ty f r .p r o a b. The in ura ce pro i e to such pre i es n v d d m s s o ne , m na e r e so o s no a pl t :w r a g r o l s r d e t p y o3. An o g n z t o y u ne l o fo m o h ry r a i a i n o w y r r , t e th n a pa t e shi , jo n v nt r o l m t d l a i i ya r n r p i t e u e r i i e i b l t (1) An "bo i y in u y o "pro e ty da a ey d l j r " r p r m g " co p ny a d o y u a e t e so e o n r o i th t o cur , o "pem a , n f o r h l w e r n a c s r rso a a d a v rti in l n d e s ng y u m i t i a o ne shi in e e t o m r i j ry ca se byo a n a n n w r p t r s f o e n u " u d a o fe se tha in f n t s th n 50 , wi l qu l fy a a Na e nsure f t e e i co m t e , ft r oa % l a i s m d I d i h r s m i t d a e y u to be t na t na e n i no o h r sim l r in ura ce a a l bl to tha th t re i e ; rt e i a s n v i a e t a p m s s o o ga i a i n o e e :r n z t o . H w v r (2) St u tu a a te a i ns, ne or c r l l r t o w r a. Co e a e und r thi pro i i n i a f rde o l de o i i n o e a iv r g e s v s o s f o d n y m l t o p r t o s pe fo m dn r r e by o o r n un i th 180t da a t r y u o fo m th be a f o such p e i e ot l e h y f e o r r e h l f r m s s wn r, m na e re a g r o o ga i a i n o the e d o the pe i d, l sso .r n z t o r n f r o e r

5. An pe so o o g n z t o th t is a e ui m nty r n r r a i a i n a n q p e b. Co e a ev r g A do s no a pl to "bo i y in u y o l sso nd t a o a ee t p y d l j r " r e r a h t y u h v gr e i w i t n coa e d n a r t e ntr ct a "pro e ty da a e th t be o e y u o a re m nt to in l dp r m g " a f r o r g e e c u e a a a d t o as n d i i n l i sure on d n i e r f rm d he o ga i a i n nd th s Co e a e Pa t is au r d o o e t r n z t o ; a i v r g r n i sure , bun d t o l wi h n y t re pe t to l a i i y fo "bo i y i j ry , "pro e tys c i b l t r d l n u " p rc. Co e a ev r g B do s no a p y to "pe so a a de t p l r n l n da a e , r "pe so a nd a v rt si g i j ry th t:m g " o r n l a d e i n n u " aa v rt sin i j ry a i i g o t o a o f n ed e i g n u " r s n u f n f e s co m t e be o e y u a q i e o fo m d them i t d f r o c u r d r r e a. Is "bo i y i j ry o "pro e ty da a e th td l n u " r p r m g " a o ga i a i n o cur , o i "pe so a a d a v rt si g in u yr n z t o . c s r s r n l n d e i n j r " ca se by a o fe se tha is co m t e ,u d n f n t m i t dF r th pu po e o Pa a r po e r s s f r g a h 1. o Se t of c i n II – subse u nt to the si n ng o tha co tr ct oq e g i f t n a rWho Is An In ure , e ch such o ga i a i n wi l bes d a r n z t o l a re m nt a dg e e ; nde m d o b e ig a e n t ee e t e d s n t d i h b. Is ca se , in who e o i pa t, by y u a ts ou d l r n r o r c r a. An o g n z t o , o he tha a pa t e shi , jo nr a i a i n t r n r n r p i t o i si n in the m i t n nce o e a i n o usem s o s a n e a , p r t o r v nt r r i i e i bi i y co pa y re u e o l m t d l a l t m n ; o o e u pm n l a e to y u by such e u p e tf q i e t e s d o q i m n l sso .e rb. A rust;t
The in ura ce pro i e t such qu p e t l sso ss n v d d o e i m n e r ia e in it na e o the do um nt thas t d s m r c e s t subj ct to t e fo l wi g p o i i n :e h l o n r v s o sgo e n i s str ct rev r t u u . a. The l m ts o i sura ce pro i e to suchi i f n n v d d4. An pe so o o g n z t o th t i a pre i ey r n r r a i a i n a s m s s e ui m n e so w l e t e m n m m l m t t aq p e t l s r i l b h i i u i i s h to ne , m n g r o l sso a d th t y u ha e a re dw r a a e r e r n a o v g e y u a r e to pro i e i the wri te co tr ct oo g e d v d n t n n a r i a wri t n co t a t o a re m nt to i cl d a an t e n r c r g e e n u e s n a re m nt o the li i s sho n i thg e e , r m t w n e a di i n l in ure o th s Co e a e Pa t is ad t o a s d n i v r g r n De l ra i ns, hi h v r a e l ss.c a t o w c e e r e i sure , but o l wit re pe t to li b l t fo "bo i yn d n y h s c a i i y r d l b. The i sura ce pro i e to such e u p e tn n v d d q i m ni j ry , "pro e ty da a e o "pe so a a dn u " p r m g " r r n l n l sso do s no a pl to a y "bo i y i j ry oe r e t p y n d l n u " ra v rt sin n ur " th t:d e i g i j y a "pro e ty da a e th t o curs, o "pe so ap r m g " a c r r n l a. Is "bo i y i j ry o "pro e ty da a e th t a d a v rt sin in ur " cad l n u " r p r m g " a n d e i g j y u e by a o fe ses d n f n th t i co m t e , a t r the e ui m nt l a ea s m i t d f e q p e e soccurs, or is "personal and advertising injury" e pi e .x r sca se by a o fe se tha is co m t e ,u d n f n t m i t d subse u nt to the si n ng o tha co tr ct oq e g i f t n a r No pe so o o ga i a i n is a in urer n r r n z t o n s d a re m nt a dg e e ; n th co du t o a y curre t o pa t pa t e shi , jo ne n c f n n r s r n r p i t Pa e 12 o 21g f CG 1 0 02 1T 0 9© 2017 The Travelers Indemnity Company. All rights reserved.

Includes copyrighted material of Insurance Services Office, Inc. with its permission. respect
charge
acquire
which
which
acquire
policy
whichever is earlier;
occurred
acq
subject
contract
Decla che
cease
construction
indica
Declarations as:
with respect to
Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B 39 COMM RCI L G NERAL IAB LI YE A E L I T
a. The a o n sho n fo th Da a e Tom u t w r e m g
a Na e In ure in the ra i n . Thi pa a ra h Pre i e Re tm d s d a t o s s r g p m s s n e To Y u Li i i thd o m t n e do s no a pl to a y such pa t e shi , jo n v nt re o De rae t p y n r n r p i t e u r t o s o hi Co e a e Pai n f t s v r g rt o ; r l m te l a i i y co pa y tha o h rwi e qua i i s a ai i d i b l t m n t t e s l f e s n b. $3 0 0 0 if no a o nt i sho n fo the0 , 0 m u s w r Da a e To Pre i e Re t d To Y u Li i im g m s s n e o m t n SE TI N I I – L MIT F I S RAN EC O I I S O N U C

7. Su j ct to Pa a r pb e r g a h 5. a o e the M d cab v , e i l1. The Li i s o Insura ce sho n i thm t f n w n e Ex e se Li i i th m st we wil pa und rp n m t s e o l y ea d th rul s be o fi the m st we wi l pan e e l w x o l y Co e a ev r g C fo a l m di e p nse be a se or l e x e s c u fr ga d e s o he nu be f:e r l s f t m r o "bo i y i j r " su ta n d y a y o e p rso .d l n u y s i e b n n e na. In ure s;s d The Li i s o Insura ce o thi Co e a e Pa t a plm t f n f s v r g r p y b. Cl i s m de o "sui s" bro gh ; oa m a r t u t r se a a e y to e ch co se ut v a n a pe i d a d to a yp r t l a n c i e n u l r o n n re a ni g pe i d o l ss th n 12 m nt s, sta t n wi hm i n r o f e a o h r i g tc. Pe so s o o ga i a i n m k ng or n r r n z t o s a i r th be i n n o the po i y pe i d sho n i thee g n i g f l c r o w nbri g ng "sui s".n i t De ra i ns, un e s the po i y pe i d is e t nd d a t rt o l s l c r o x e e f e2. The Ge e a Agg e a e L m t m st e wi l p yn r l r g t i i i o w l a i sua ce fo a a di i n l pe i d o le s th n 12s n r n d t o a r o f s afo he sum o :r t f m nt s. In th t ca e th a d t o a pe i d wi l beo h a s , e d i i n l r o l a. M di a x e se un e o e a ee c l e p n s d r C v r g C; de m d pa t o h l st re i g e i d o urp se oe e r f t e a p n p r o f r p o s f de e m n ng th L m ts o nsura cet r i i e i i f I n .b. Da a e unde Co e a em g s r v r g A, e ce t da a ex p m g s o "bo i y i j ry o "pro e ty da a ef d l n u " r p r m g " SE TI N I – CO MERCIAL G N RAL L AB L TYC O V M E E I I I i cl d d in th "pro uct -co p e e o e a i nsn u e e d s m l t d p r t o CO D TI NN I O S ha a d ; ndz r " a 1. B n ru tcya k p
c. Da a e u d r Co e a em g s n e v r g B. Ba k up cy o i so v ncy o th i sure o o thn r t r n l e f e n d r f e

3. The Pro u ts-Co pl t d Ope a i ns Aggr g ted c m e e r t o e a i sure ' e ta e wi l no re i v us o o r o l ga i nn d s s t l t l e e f u b i t o s Li i i th m st we wi l pa un e Co e a em t s e o l y d r v r g A for un e hi Co e a e Pa td r t s v r g r . da a e o "bo i y in u y a d "pro e tym g s f d l j r " n p r 2. D ti s In T e vent O cc rren e O f n e,u e h E f O u c , f e sda a e i cl de i the "pro uct -co p e em g " n u d n d s m l t d Cla m r S ii O u to e a i n h z rd .p r t o s a a " a. Y u m st se to i th t we a e no i i d a so no u e t a r t f e s o4. Su j ct to Pa a r pb e r g a h 2. a o e th Pe so a Andb v , e r n l a pra a l o a o a o f n es b e f n " r n f e sAd e t si g In u y Li i is the m st we wi l pav r i n j r m t o l y whi h m y re ul i a cla m To the e t nc a s t n i . x e tun e Co e a ed r v r g B fo the sum o a l da a er f l m g s po si l , sho ls b e u dbe a se o a l "pe so a i j ry a d "a v rt sinc u f l r n l n u " n d e i g (1) Ho , whe a d whe e the e ce ow n n r r n " ri j ry susta n d y a y o e pe so r r a i a i nn u " i e b n n r n o o g n z t o . o fe se t o l cef n o k p a ;5. Su j ct to Pa a r pb e r g a h 2. or 3. a o eb v , (2) The na e a d a dr sse o a y in ur dm s n d e s f n j ea pl e , the Occurr n e Li i i th m st wep i s e c m t s e o pe so s a d i n sse ; ndr n n w t e s awi l p y fo he sum o :l a r t f (3) The na ur a d l ca i n o a y i j ry ot e n o t o f n n u ra. Da a e u d r Co e a em g s n e v r g A; nda da a e a i i g o t o th e ce om g r s n u f e r n " rb. M di a x e se un e o e a ee c l e p n s d r C v r g C; o fe sef n . be a se o a l "bo i y i j ry a d "pro e ty da a ec u f l d l n u " n p r m g " b. If a cl i i m de o "sui " i bro g t a a nsta m s a r t s u h g ia i i g o t o a y o e "o cur e ce .r s n u f n n c r n " a y i sure , y u u t:n n d o m s F r the pur o e o de e m ni g the a pl ca lo p s s f t r i n p i b e (1) Im e i t l re d th o them d a e y e fEa h Occurr n e Li i , a l re a e oc e c m t l l t d r cl i r "sui " a d he da e r ce v d nda m o t n t t e i e ; ao i si n co m t e i pro i i g o fa l ng tom s o s m i t d n v d n r i i (2) No i y us a so n a pr ct ca l .t f s o s a i b epro i e fi st a d o "Go d Sa a i a se v ce " tov d r i r o m r t n r i s a y o e pe so wi l be de m d to be o en n r n l e e n Y u m st se to i tha e r ce v ri t n o u e t t w e i e w t e "o cur e ce .c r n " o h cl i o "sui " a so n af t e a m r t s o s

6. Su j ct to Pa a r pb e r g a h 5. a o e th Da a e Tob v , e m g c. Y u a d ny o he n o v d n ure m st:o n a t r i v l e i s d u Pre i e Re t d To Y u Li i i the m st we wilm s s n e o m t s o l (1) Im e i t l se d us co i s o a ym d a e y n p e f npa und r Co e a ey e v r g A fo da a e or m g s f de a d , , sum o se o le am n s m n s r g l"pre i e da a e to a y o e pre i e . Them s s m g " n n m s s pa e s re v d in co ne n wit thp r e n h eDa a e To Pre i e Re t d To Y u Li i w l em g m s s n e o m t i l b : cl i r "sui ";a m o t CG 1 0 02 1T 0 9 Pa e 13 o 21g f© 2017 The Travelers Indemnity Company. All rights reserved.

Includes copyrighted material of Insurance Services Office, Inc. with its permission.

Decl
Declarations
claims
s the
because
cla
cal
cla
ced
because
whichever
Each
acts
because
ctic "occurrence
notice include:
"occur
"occur
cor specifics
notice
practicable.
notices
cei ctio
v nt r o l m t d l a i i y co pa y tha is no sho n ae u e r i i e i b l t m n t t w s the Declarations of this Coverage Part.
insured under Section II – Who Is An Insured.

Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B 40 COMM RCIAL E ERAL IAB LITYE G N L I
(2) Au h ri e us to o ta n a d o h rt o z b i n t e (i ii ) An o f ce o of i r r f i f rm t o ; a y o h r r a i a i n rn o a i n n t e o g n z t o ; o (3) Co p r t wi h us i th in e ti a i n oo e a e t n e v s g t o r ( v)i A ruste f ny t u t;t e o a r s se t e e t o the cl i o de e se a a nstt l m n f a m r f n g i th t is y u pa t e , jo n v n u ea o r r n r i t e t rth "sui "; nde t a m m e , m na e o ru te ; re b r a g r r t s e o (4) Assi t us, upo o r re ue t, i thes n u q s n (b) An e p o e a t o i e by suchy m l y e u h r z de fo ce e t o a y ri h a a n t a yn r m n f n g t g i s n pa t e shi , j i t v n ure li i er n r p o n e t , m t dpe so o o ga i a i n m y be l a lr n r r n z t o a i b e l a i i y co p ny trust or ot ei b l t m a , h rto th i sure o in u y o da a ee n d f j r r m g o ga i a i n to gi e o ar n z t o v f nto wh ch hi i sura ce m y a so a p yi t s n n a l p l . o o fe se" r f n . d. No in ure wi l e ce t a th t in ure 's o ns d l , x p t a s d w (3) to us o such of rco t, v l nt ri y m k a pa m n , a sum a ys o u a l a e y e t s e n o fe se wi l be de m d to be gi e a so nf n l e e v n s oo l g ti n o a y e pe se o h r tha fob i a o , r n x n , t e n r a pra ti a l i it is gi e i go d fa th as c c b e f v n n o i sfi st i , wi h u o r r a d t o t u so n a pra ti a l to y u wo k r 'o s c c b e o r r e s co p nsa i n in ure . Thi a p i s o l ifm e t o s r s p l e n ye. The fo l wi g pro i io s a p y to Pa a ra hl o n v s n p l r g p a. y u subse ue tl gi e no i e to us o theo q n y v t c fa o e bu o l fo pur o e o th in ura ceb v , t n y r p s s f e s n "o cur e ce o o fe se a so n ac r n " r f n s o spro i e un e t i Co e a e Pa t o y u o a yv d d d r h s v r g r t o r n pra t ca l a t r a y o th pe so sc i b e f e n f e r ni sure l ste i Pa a r pn d i d n r g a h 1. or 2. o Se ti nf c o II de cri e in Pa a ra hs b d r g p e. 1( ) or (2) a o eb v– Who I A nsure :s n I d di co e s tha th "o cur e ce o o fe ses v r t e c r n " r f n (1) No i e to us o such ot c f r m y re ul in sum to whi h the in ura cea s t s c s n o fe se m st be gi e a so n af n u v n s o s pro i e un e th s Co e a e Pa t m yv d d d r i v r g r a pra l o l a t r th e ce ob e n y f e e r n " r a pl .p y o fe se is k o n to y u (i y u a e af n n w o f o r n Ho e e , i thi po i y i cl de a e do se e tw v r f s l c n u s n n r m ni d v du l , a y o y u pa tn rs orn i i a ) n f o r r e th t pro i e li i e co e a e fo "bo i y i j rya v d s m t d v r g r d l n u "m m e s who i a in i i u l (if y u a e ae b r s n d v d a o r o "pro e ty da a e o po l ti n co ts a i i gr p r m g " r l u o s r s npa t e shi o jo n v n ure , a y o y ur n r p r i t e t ) n f o r o t o a di cha ge re e se o e ca e ou f s r , l a r s p fm na e s who is a in i i u l (i y u a e aa g r n d v d a f o r "po l t n s" whi h co t i s a re ui e e t thal u a t c n a n q r m n tl m te li b l ty co p n ), a y o y ui i d a i i m a y n f o r th di cha ge re e se o e ca e o "po l t n s"e s r , l a r s p f l u a t"e e u i e o f ce s" o (i y u a ex c t v f i r r f o r m st be re o te to us wi h n a spe i i n m eu p r d t i c f c u b ra o g n z t o o h r tha a pa t e shi ,n r a i a i n t e n r n r p o da s a t r i s a ru t co m n e e t, th sf y f e t b p m e c m n i j i t v nt re o li i e l a i i y co pa y ,o n e u , r m t d i b l t m n ) Pa a r pr g a h e. do s n t a fe t t a e u re e t.e o f c h t r q i m n a y o y ur tr ste s who is a i d v du l (ifn f o u e n n i i a 3. L g l c i n Ag i s se a A t o a n t Uy u a e a trust) o a y "e pl y eo r r n m o e " No pe so o o g n z t o ha a ri h und r th sr n r r a i a i n s g t e ia t o i e by y u to gi e no i e o au h r z d o v t c f n Co e a e P rtv r g a :"o cur e ce o o fe sec r n " r f n . a. To jo n us a a pa t o o h r i e bri g us i ti s r y r t e w s n n o(2) If y u a e a pa t e shi , jo n v n ureo r r n r p i t e t , a "sui " a ki g o d m ge f o n n ure ; ot s n f r a a s r m a i s d rl m te li b l ty co pa y o tru t, a d no ei i d a i i m n r s n n b. To sue us o th s Co e a e Pa t unl ss a l on i v r g r e l fo y ur pa t e s, jo n v nt r m m e s,f o r n r i t e u e e b r i s t rm ha e be n u l co p i d i ht e s v e f l y m l e w t .m na e s o t u te s a e i di i u l , o i ea g r r r s e r n v d a s n t c to us o such "o cur e ce o o f nse m stf c r n " r f e u A pe so o o ga i a i n m y sue us to re o e or n r r n z t o a c v r n be gi e a so n a pra ti a l o l a t rv n s o s c c b e n y f e a a r e se t e e t o o a fi a ju g e t a a nstn g e d t l m n r n n l d m n g i th "o cur e ce o o fe se i k o n ye c r n " r f n s n w b : a in ure ; but we wil no be li b e fo da a en s d l t a l r m g s th t a e no pa a l und r th te m o th sa r t y b e e e r s f i(a) An nd v du l w o i :y i i i a h s Co e a e Pa t o tha a e i e ce s o thev r g r r t r n x s f (i) A pa t e o m m e o a yr n r r e b r f n a pl ca l l m t o in ura ce An a r e se tl m np i b e i i f s n . g e d t e e t pa t e shi r o n e t r ;r n r p o j i t v n u e m a s a se tl m n a d e e se o i b l t ig e ye n t e e t n r l a f l a i i y s n d b us, the i sure , a d the cl i a t o th cla m n 'n d n a m n r e i a t s(i )i A m na e o a y l m te l a i i ya g r f n i i d i b l t l ga e r se ta i ee l r p e n t v .co p nym a ; Pa e 14 o 21g f CG 1 0 02 1T 0 9© 2017 The Travelers Indemnity Company. All rights reserved.

Includes copyrighted material of Insurance Services Office, Inc. with its permission. records
which
because
executive director
notice
"occurrence
Notice "occurrence"
incur
consent.
ctica "occur
directors
"occurrence"
Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B 41 COMM RCI L G NERAL IAB LI YE A E L I T

4. O h r n u an e ( it e I s r c i ) Tha i in ura ce fo "pre i et s s n r m s s da a e ;m g "If v l d a d co l cti l o h r i sura ce is a a l bl oa i n l e b e t e n n v i a e t ( i )i i If th lo s a i e o t o thee s r s s u fth i sure fo a lo s we co e unde Co e a ee n d r s v r r v r g s A m i t na ce o use o a rcra ta n e n r f i f ,or B o th s Co e a e Pa t o r o l g t o s a ef i v r g r , u b i a i n r "a t s" o wa e cra t to the e t ntu o r t r f x el m te a de cri e i a a ra hi i d s s b d n P r g p s a. a dn b. be o .l w no subj ct to a y e cl sio i th st e n x u n n iAs use a y he e in th s Co e a e Pa t o h rd n w r i v r g r , t e Co e a e Pa t th t a pl e tov r g r a p i si sura ce m a s in ura ce o th fun i g on n e n s n , r e d n f a rcra t "a t s" o w t rcra ti f , u o r a e f ;l sse , ha s p o i e y hr u h o o b ha f o :o s t t i r v d d b , t o g r n e l f (i )v Tha is in ura ce a a l bl to at s n v i a e(i) An t e i sura ce co pa yo h r n n m n ; pre i e ow e , m na e orm s s n r a g r (i )i Us o n f ur ff l a e n ura ce co pa i s,r a y o o a i i t d i s n m n e l sso th t qua i i s a a in uree r a l f e s n s d e ce t whe th No cum l t o ox p n e n u a i n f un e Pa a ra hd r r g p 4. of II – Occurr n e Li i pro i io o Pa a ra he c m t v s n f r g p 5. of Who Is An Insure , e ce t whed x p n III – Li i s Of Insura ce o th Nom t n r e n Pa a r pr g a h d. be o pp i s; rl w a l e o cum l ti n o Pe so a a d Adv rt sin In uru a o f r n l n e i g j y (v) Tha is i sura ce a a l b e to at n n v i a l nLi i pro i io o Pa a ra hm t v s n f r g p 4. of III – e ui m n l sso th t qua i i s aq p e t e r a l f e sLi i s o In ura ce a p i s thm t f s n p l e e a in ure unde Pa a r pn s d r r g a h 5. ofAm n m n – No Cum l t o Of e d e t n u a i n II – Who Is An Insure ,dOccurr n e Li i Of Li bi i y And Noe c m t a l t n e ce t whe Pa a ra hx p n r g p d. be ol wCum l t o Of Pe so a A d Ad e t si g Inj ryu a i n r n l n v r i n u a pl e .p i sLi i e do se e t i i cl de n thm t n r m n s n u d i i ; (b) An o the o h r i sura ce whe hey f t e n n , t r(i ii ) An i k e e ti n gro p; oy r s r t n o u r pri a y e ce s, co t n e t o o a ym r , x s n i g n r n n o h r ba is, tha i a a l bl to tht e s t s v i a e e(iv) Any self-insurance method or program, in i sure whe the i sure is an d n n d nwhich case the insured will be deemed to be th p o i e f o h r i sura ce a di i n l i sure , o is a y oe r v d r o t e n n . d t o a n d r n th r e i sure tha do s no qu l fy a an d t e t a i sOt e in ura ce do s no in l d um re lh r s n e t c u e b l a na e i sure , un e such o h rm d n d d r t ei sura ce o e ce s in ura ce th t wa bo g tn n , r x s s n , a s u h i sura cen n .spe i i a l to a p y in e ce s o th Li i s oc f c l y p l x s f e m t f (2) Whe th s i sura ce i e ce s, we wiln i n n s x s lIn ura ce sho n in the o th ss n w f i ha e no dut und r Co e a ev y e v r g s A or B toCo e a e P rtv r g a . de e d th i sure a a nst a y "sui " i a yf n e n d g i n t f nAs use a y he e in th s Pa t o h rd n w r i r , t e o h r in ure ha a du y to de e d thet e s r s t f ni sure m a s a pro i e o o h r in ura ce Asn r e n v d r f t e s n . i sure a a n t tha "sui ". If no o h rn d g i s t t t euse in Pa a ra hd r g p c. be o , in ure m a s al w s r e n i sure de e d , we wi l un e t k t o son r f n s l d r a e o d ,pro i e f n ura cev d r o i s n . bu we wi l b nt t e t h i sure ' ri h st l e e i l d o t e n d s g t a a nst l h se o h r nsur r .g i a l t o t e i e sa. P i ary I su an er m n r c (3) Whe thi in ura ce i e ce s o e o h rn s s n s x s v r t eThi insura ce is pri a y whes n m r n i sura ce we wi l pa o l o r sha e o then n , l y n y u r fPa a r pr g a h b. be o a pl e . If th s i sura ce il w p i s i n n s a o nt o the lo s, i a y th t e ce d them u f s f n , a x e spri a y o r o l g ti n a e no a f cte un e sm r , u b i a o s r t f e d l s sum o :fa y o th o h r i sura ce is a so pri a yn f e t e n n l m r . (a) The to a a o nt tha a l such o h rt l m u t l t eThe , we wi l sha e wi h a l t a o he n ura cen l r t l h t t r i s n i sur n e wo l pa fo th lo s i thn a c u d y r e s n eby t e m th d e cri e n Pa a r ph e o d s b d i r g a h c. be o ,l w a se ce o hi i sura ce nb n f t s n n ; a de ce t h n a a ra hx p w e P r g p d. be o pp i s.l w a l e (b) The to a o a l a d se ft l f l n l -b Ex e s I s ran e. c s n u c i sure a o nt unde a l th t o h rn d m u s r l a t e
(1) Thi i sura ce i e ce s o e :s n n s x s v r i sur n en a c . (4) We wi l sha e the re a n ng l ss, if a yl r m i i o n ,( )a An o the o he in ura ce whe hey f t r s n , t r wi h a y o he in ura ce th t i not n t r s n a s tpri a y e ce s, co t n e t o o a ym r , x s n i g n r n n de cri e in thi Ex e s Insura ces b d s c s no h r b si :t e a s pro i i n a d wa no bo g t spe i i a l tv s o n s t u h c f c l y o( )i Tha is Fi e Ex e d d Co e a et r , t n e v r g , a pl i e ce s o the Li i s o In ura cep y n x s f m t f s nBu l e ' Ri k In ta l t o Risk oi d r s s , s l a i n r sho n i th r t o s o thi Cov r gw n e a i n f s e a e Pa tr .

Includes copyrighted material of Insurance Services Office, Inc. with its permission.

Each
Section
Section
because
Each
s policy
Section
Section
except
deductible
Declasimilar coverage for "your work";
Declarations
Coverage
Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B 42 COMM RCIAL E ERAL IAB LITYE G N L I
c. Meth d O h rin a.o f S a g The sta e e t in th a et m n s e r a cura e a d co p e ec t n m l t ;If a l o the o he i sura ce pe m t co t i ut ol f t r n n r i s n r b i n by e u l sha e , w i l fo l w t i m t o l oq a r s e w l l o h s e h d a s . b. Tho e sta e e ts a e ba e upos t m n r s d n Und r th s e ch in ure co t i ut s re re e t ti n y ue i a s r n r b e p s n a o s o a e to us; nm d a d e ua a o n s unt l it ha pa d it a pl ca lq l m u t i s i s p i b e c. We ha e i sue th s po i y i re i n e up nv s d i l c n l a c o l m t o in ura ce o no e o th l ss re a ns,i i f s n r n f e o m i y ur e re e ta i ns.o r p s n t o The uni te ti n l o i sio o , o uni t n i na e ron n o a m s n f r n e t o l r r If a y o th o h r i sura ce do s no pe m tn f e t e n n e t r i i , a y i f rm ti n pro i e by y u whi h we re i dn n n o a o v d d o c l e co tr bu i n by e u l sha e , we wi l co t i utn i t o q a r s l n r b e up n i issui g th s po i y wi l no pre u i e y uo n n i l c l t j d c o r by l m t . Und r th s m t o , e ch i sure 'si i s e i e h d a n r ri ht unde th s in ura ce Ho e e , thi pro i i ng s r i s n . w v r s v s o sha e is ba e o the ra i o i s a p i a l i ir s d n t o f t p l c b e l m t do s no a f ct o r ri h to co l ct a di i n le t f e u g t l e d t o a o in ura ce to th to a a pl ca l li i s of s n e t l p i b e m t f pre i m o to e e ci e o r rig t o ca ce l t o om u r x r s u h s f n l a i n r i sura ce o l nsure s.n n f a l i r no re e a i cco d nce w t pp i a l n ura cen n w l n a r a i h a l c b e i s n d P i a y And No -Co trib t ry In u an e If. r m r n n u o s r c l ws o e ul t o s.a r r g a i n Req i ed B Wri te o tracu r y t n C n t 7. Se arat o f n u edp i n O I s r s If y u spe i i a l a re i a wri t n co t a t oo c f c l y g e n t e n r c r Ex e t wi h re pe t to the Li i s o In ura ce a dc p t s c m t f s n , n a re m nt tha the i sura ce a fo d d to ag e e t n n f r e n a y ri h s o du i s a sig e i th sn g t r t e s n d n i i sure un e hi Co e a e Pa t m st p l nn d d r t s v r g r u a p y o Co e a e Pa t to the fi st Na e Insure , th sv r g r r m d d i a pri a y ba i , o a pri a y a d no -m r s s r m r n n i sura ce a pl e :n n p i s co tr bu o y ba is, th s i sura ce is pri a y ton i t r s i n n m r a. As i e ch Na e In ure we e the o lf a m d s d r n yo h r in ura ce th t i a a l bl ot e s n a s v i a e t Na e n ure ; ndm d I s d awhi h o e s such n ure a a n m d i sure ,c c v r i s d s a e n d b. Se a a e y to e ch in ure a a n t who cl ip r t l a s d g i s m a ma d we wil no sha e wi h th t o h r in ura cen l t r t a t e s n , i m d o "sui " i b o g ts a e r t s r u h .pro i e ha :v d d t t

8. Tra sfe O i h s O e o ery Ag i s t ersn r f R g t f R c v a n t O h(1) The "bo i y i j ry o "pro e ty da a e fod l n u " r p r m g " r To Uswhi h co e a e i so gh o cur ; ndc v r g s u t c s a If the i sure ha ri h s to re o e a l o pa t o a yn d s g t c v r l r r f n(2) The "pe so a a d a v rt sin i j ry for n l n d e i g n u " r pa m n we ha e m d unde thi Co e a e Pa ty e t v a e r s v r g r ,whi h co e a e is so gh i ca se by ac v r g u t s u d n th se ri ht a e tra sfe re t us. he i sure usto g s r n r d o T n d mo fe se t a i co m t e ;f n h t s m i t d do no h ng a te l ss to i p i th m At o r re u st,t i f r o m a r e . u q esubse u nt to the si n ng o tha co tr ct oq e g i f t n a r th i sure wi l bri g "sui " o tra sfe tho e ri h se n d l n t r n r s g ta re m nt by y ug e e o . to us a d h l s e f rce t e .n e p u n o h m

5. P e i m Au ir m u d t 9. Wh n We D N t en we o o R e a. We wi l co p t a l p e i m f r h s Co e a el m u e l r m u s o t i v r g If we d ci e n t o r n w h s Co e a e P rt e wi le d o t e e t i v r g a , w lPa t i cco d nce w t ur u e a d a e .r n a r a i h o r l s n r t s m i o de i e to th fi st Na e In ure sho n ina l r l v r e r m d s d w b. Pre i m sho n in th s Co e a e Pa t am u w i v r g r s th De l ra i n wri te no i e o the no r n wae c a t o s t n t c f n e e l a v nce pre i m i a de o i pr m um o l . Ad a m u s p s t e i n y t no l ss th n 0 da s be o e t e e pi a i n da et e a 3 y f r h x r t o t . th clo e o e ch a d t pe i d we wi l co p te s f a u i r o l m u e If no i e is m i e , pro f o m i i g wi l be suffi i nt c a l d o f a l n l c e tth e rn d pre i m fo th t pe i d a d se de a e m u r a r o n n pro f f o i eo o n t c .no i e t th fi st Na e I sure . The du da et c o e r m d n d e t SE TI N V – D F N T O SC O E I I I Nfo a di a d re ro pe ti e p e i m i t e d tr u t n t s c v r m u s s h a e

1. "shown as the due date on the bill. If the sum of Ad e t se e t" m a s a no i e th t s br a ca t ov r i m n e n t c a i o d s r pu l she to the ge e a pub i o spe i i m rb i d n r l l c r c f c athe advance and audit premiums paid for the k te po i y pe i d is gre te tha the e rn dl c r o a r n a e se m nt a o t y ur go ds, pro u ts o ser i eg e s b u o o d c r v c s fo th purp se o a t a g custo e s or e o f t r m r rpremium, we will return the excess to the first Na e nsure . supp rt r . o h p r o e o hi de i i i nm d I d o e s F r t e u p s s f t s f n t o :
c. The fi st Na e In ure m st k e re o d or m d s d u e p c r s f a. No i e th t a e publ she i cl de m t r at c s a r i d n u a e i l th in o m t o we ne d fo pre i m pl ce o the Int rn t o oe f r a i n e r m u a d n e e r n sim l r i a co p t ti n a d se d us co i s a such t m sm u a o , n n p e t i e m a s o co m ni a i n; a de n f m u c t o n a we m y re u st.s a q e b. Re a di g we sit s, o l tha pa t o a we si eg r n b e n y t r f b t

6. Rep es n ati nr e t o s th t is a o t y u go d , pro u ts o se v cea b u o r o s d c r r i s fo th pur o e o a t a custo e s or e p s s f t r m r rBy ti g t i p l cy o gre :p n h s o i , y u a e supp rt r i co si e e a a v rt se e to e s s n d r d n d e i m n .

Includes copyrighted material of Insurance Services Office, Inc. with its permission. approach
specifically
ctin
cting
electronic
acce
whichever comes first.

Declarations
such insured
Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B 43 COMM RCI L G NERAL IAB LI YE A E L I T

2. "Ad e t si g i j ry :v r i n n u " b. In by o wit a y o he e e o i m a s o, r h n t r l n c e n f co m n ca i n such a th In e n t, if tham u i t o , s e t r e ta. M a s in ur ca se by o e o m re o thee n j y u d n r o f m te i l i p r f:a r a s a t ofo l wi g o fe se :l o n f n s (1) Ra i o te e i i n pro r m i g be ngd o r l v s o g a m n i(1) Ora o writ e a i n incl di gl r t n t o , u n tr n m t e ;a s i t dpu l ca i n by e e o i m a s, o m t ri lb i t o l n c e n f a e a i y ur "a v rt se e t th t sla d rs on o d e i m n " a n e r (2) Ot e en e ta n e t e uca i n lh r t r i m n , d t o a ,l b l a pe son or or a i a i n ori e s r g n z t o i structi n l m si o ne s pro r m i gn o a , u c r w g a m ndi pa a e a pe so ' o o ga i a i n ss r g s r n s r r n z t o ' be n ra sm t e ; oi g t n i t d rgo ds, pro u ts o se v ce , pro i e thao d c r r i s v d d t th cla m i m d o he "sui " i b o g t bye i s a e r t t s r u h (3) Ad e t si g tra sm t e wi h a y o suchv r i n n i t d t n f a pe so o o g ni a i n h t cl i s to ha er n r r a z t o t a a m v pro ra m n .g m i g be n sla d re o li e e , o tha cla m toe n e d r b l d r t i s 6. "Co e a e t rri o y m a s:v r g e t r " e nha e ha it go ds, pro uct o se v cev d s o d s r r i s di pa a e ;s r g d a. The Uni e Sta e o Am ri a (i cl di g i st d t s f e c n u n t te r t r e a d po se si ns), Pue t Ri o a dr i o i s n s s o r o c n(2) Ora o writ e pub i i n incl di gl r t n l o , u n Ca a an d ;pu l ca i n by e e i m a s, o m t r ab i t o l n c e n f a e i l i o r "a v rt se e t th t:n y u d e i m n " a b. In e na i na wa e s o a rspa e but o l if thet r t o l t r r i c , n y (a) Ap ro ri t s a pe so ' na e v i ep p a e r n s m , o c , i j ry o da a e o curs in th co rse o tra en u r m g c e u f v l ph t gr p r i e e s; oo o a h o l k n s r o tra spo t t o be w e a y pl ce in l d dr n r a i n t e n n a s c u e i Pa a r pn r g a h a. a o e rb v ; o(b) Unre so a l pl ce a pe so in aa n b y a s r n fa se l gh ; rl i t o c. Al o h r pa t o th wo l if th i j ry ol t e r s f e r d e n u r da a e a i e o t o :m g r s s u f(3) In r ng m nt o co y i ht "ti l " o "sl g n"f i e e f p r g , t e r o a i y u "a v rt se e t , pro i e tha thn o r d e i m n " v d d t e (1) Go ds o pro uct m d o so d by y u ino r d s a e r l o cl i i m d o th "sui " i bro gh by aa m s a e r e t s u t th te ri o y de cri e i Pa a r pe r t r s b d n r g a h a. pe so o o ga i a i n tha cla mr n r r n z t o t i s a o eb v ; o ne shi o such co y i ht "ti l " ow r p f p r g , t e r (2) The a ti i i s o a pe so who e ho e i ic v t e f r n s m s n"sl g n .o a " th te ri o y de cri e i Pa a r pe r t r s b d n r g a h a. b. In l d s "bo i y in ur " ca se by o e o m rc u e d l j y u d n r o e a o e but i a a fo a sho t ti e o y urb v , s w y r r m n o o the o f n e de crib d in Pa a ra hf f e s s s e r g p a. bu i e s; rs n s oa o eb v . (3) "Pe so a a d a v rt sin i j ry o fe ser n l n d e i g n u " f n s3. "Au o m a s:t " e n th t ta e pl ce th o g th In e ne oa k a r u h e t r t r a. A l nd m t r v h cl , tra l r o se i r i ea o o e i e i e r m t a l r si i a l ct o i m a s o o m n ca i nm l r e e r n c e n f c m u i t o ; de i n d fo tra e o pub i ro ds, i cl di gs g e r v l n l c a n u n pro i e the insure ' re po sib l ty to pav d d d s s n i i ya y a t che a hi e y o qu pm n ; rn t a d m c n r r e i e t o da a e is de e m n d in a "sui " o th m r t im g s t r i e t n e e i s n b. An o he la d v h cl th t is sub e t to ay t r n e i e a j c th te ri o y de cri e i Pa a r pe r t r s b d n r g a h a. a o e o ib v , r n a co p l o y o fi a ci l re po si i i y la , om u s r r n n a s n b l t w r se t e e t we a re ot l m n g e t . o h r m to v hi l i sura ce l w, whe e i it e o r e c e n n a r t s

7. "El ct o i da a m a s in o m t o , fa t oe r n c t " e n f r a i n c s rl ce se r ri ci a l a a e .i n d o p n p l y g r g d pro ra s sto e a o o , cre te o use o , og m r d s r n a d r d n rHo e e , "a t " do s no in l d "m bi ew v r u o e t c u e o l tr n m t e to o fro co pu e so tw r (i cl d nga s i t d r m m t r f a e n u ie ui m n ".q p e t sy te s a d a p i a i ns so tw r ) ha d o fl p ys m n p l c t o f a e , r r o p

4. "Bo i y i j r " m a s:d l n u y e n di ks, CD-ROM , ta e , dri e , cel s, da as s p s v s l t pro e sin de i e o a y o h r m di a ec s g v c s r n t e e a ra. Ph si a ha m i cl di g si kn ss o di e sey c l r , n u n c e r s a , use i h e e o i a l co t o l d e ui m n .d w t l n c l y n r l e q p e tsusta n d y a pe so ; oi e b r n r b. M nt l a g i h, i j ry o i l e s, o e o i n le a n u s n u r l n s r m t o a 8. "Em l y e i cl de a "l a e wo k r". "Em l y ep o e " n u s e s d r e p o e " di tre s, re ul i g a a y ti e fro suchs s s t n t n m m do s n t i cl d "te po a y wo k r .e o n u e a m r r r e " ph si a h rm i e s o di e sey c l a , s s r s a . 9. "Ex cut v o f ce " m a s a pe so ho di g a y oe i e f i r e n r n l n n f

5. "Bro dca ti g m a s tra sm tt n a y a d o oa s n " e n n i i g n u i r th o fi e po it o s cre te by y u cha t r,e f c r s i n a d o r r e v sua a e i l fo ny p r o ei l m t r a r a u p s : co sti u i n by a s o a y o h r sim l r go e n ngn t t o , l w r n t e i a v r i do um n .c e ta. By ra i o e e i io ; od o r t l v s n r CG 1 0 02 1T 0 9 Pa e 17 o 21g f© 2017 The Travelers Indemnity Company. All rights reserved.

Includes copyrighted material of Insurance Services Office, Inc. with its permission. public
ctr
ctr
cat
ctro
ckn
which
ctr
Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B 44 COMM RCIAL E ERAL IAB LITYE G N L I

10. "Go d Sa a i a se v ce " m a s a y e e g n y tr ck , ro db do m r t n r i s e n n m r e c a s a e s, tu n l und r a sn e , e p s or m di a se v ce fo whi h no co p n a i n is cro sin ;e c l r i s r c m e s t o s g de a d d r e e v dm n e o r c i e . (2) Tha i d m i i s a a chi e g ne r ot n e n f e n r t n i e r

11. "Ho ti e fi e m a s a fi e whi h e surv y r o i j ry o a as l r " e n r c m s e o f r n u r d m g ri in ut o :e a s g o f tr l a l o bre k o t fro whe e i wan o l b e r a s u m r t s (a) Pre a i g a pr v ng o fa l n top r n , p o i , r i i gi t nd d o b .n e e t e pr pa e or ap r v , m p , shoe r p o e a s p

12. "Im a re pro e t " m a s ta g bl pro e t , o he dra i g , o ip i d p r y e n n i e p r y t r w n s p n o s, re o ts, survi n p r e s,y th n "y ur pro uct o "y ur wo k , tha ca n t be fi l o d rs, cha ga o d " r o r " t n o e d r e n e o d rs o ra i gsr e r d w n use r s l ss use u e a se a d pe i i a i ns; rd o i e f l b c u : n s c f c t o o a. It i co po a e "y ur pro uct o "y ur wo kn r r t s o d " r o r " (b) Gi i g di e t o s o i stru ti n , ov n r c i n r n c o s r th t is kn wn o th ug t to be de e v , fa l ng to gi e th m ifa o r o h f e i i v e , th t is the a de i n , n de u te o a g ro s; o pri a y ca se o the in u y of t i a q a r d n e u r m r u f j r r da a em g ; orb. Y u ha e fa l d to ful i l the te m o a co tr cto v i e f l r s f n a (3) Und r whi h the i sure , if a a chi e t,e c n d n r t cor agreement; e gi e r o surv y r, a sum s l a i i y fon n e r e o s e i b l t ri such pro e t ca be re to e to use by t ef p r y n s r d h a in u y o da a e a i in o t o then j r r m g r s g u fre a r, re l ce e t, a j stm nt o re o a o "y urp i p a m n d u e r m v l f o i sure 's re de i g o fa l r to re den d n r n r i u e n rpro uct o "y ur wo k o y u fu fi l n t e te m od " r o r " r o r l l i g h r s f pro e si n l se v ce , in l d n ho e l stef s o a r i s c u i g t s i dth co t a t o gr e e t.e n r c r a e m n i Pa a r pn r g a h (2) a o e a d sup r i o yb v n e v s r ,

13. "In ure co t a t m a s:s d n r c " e n i spe t o , a chi e a o e g ne ri gn c i n r t r l r n i e n a t v ti s.c i i ea. A co t a t fo a l a e o pre i e . Ho e e ,n r c r e s f m s s w v r th t po t o o t e co t a t fo a l a e oa r i n f h n r c r e s f 14. "Le se wo k r" m a s a pe so l a e o y u ba d r e e n r n e s d t o y a pre i e tha in e n f e a y pe so om s s t d m i i s n r n r l bo l a in fi m unde a a r e e t be we n y ua r e s g r r n g e m n t e o o ga i a i n fo "pre i e da a e i no ar n z t o r m s s m g " s t n a d the la o le si g fi m to pe f rm dut e re a en b r a n r , r o i s l t d "i sure o tr ct ;n d c n a " to the co d ct o y ur bu i e s. "Le se wo k r"n u f o s n s a d r e do s n t i cl d "te p ra y wo k r .e o n u e a m o r r e "b. A i e ra k a re m n ;s d t c g e e t

15. "Lo di g o unl a i g" m a s th ha d i g oa n r o d n e n e n l n fc. An e se e t o li e se a re m nt e ce t iny a m n r c n g e e , x p pro e typ r :co ne ti n wi h co stru ti n o de o i i nn c o t n c o r m l t o o e a Af e i is m v d fro th pl ce whe e i isp r t r t o e m e a r tti n o o i h n 5 e t o a ro do s n r w t i 0 f e f a r i a ; a.l t d fo m v m n i t o o t a a rcra tp e r o e e t n o r n o n i f ,d. An o l ga i n, a re u re by o d na ce tob i t o s q i d r i n , wa e cra t r "a t ";t r f o u oi d m i y a m n ci a i y e ce t i co ne ti nn e n f u i p l t , x p n n c o wi h o k f r a m ni a i yt w r o u l t ; b. Whi e i is i o o a a rcra t wa e cra t ol t n r n n i f , t r f r "a t "; ru o oe. An e e a o a nt na ce a re m ntl v t r m i e n g e e ; c. Whi e i is be n m v d fro a a rcra tl t i g o e m n i f ,f. Tha pa t o a y o he co t a t o a re m ntt r f n t r n r c r g e e wa e cra t o "a t " to th pl ce whe e i ist r f r u o e a r tp r a n n to y ur busi e s (i cl di g ae t i i g o n s n u n n fi a l e i e e ;n l y d l v r di de n fi a i n o a m ni i a i y i co nen m i c t o f u c p l t n n n wi h wo k pe f r e fo a m n ci a i y und rt r r o m d r u i p l t ) e bu "l a i g o unl a i g do s no i cl de thet o d n r o d n " e t n u whi h y u a sum th to t li b l t o a o h r m v m nt oc o s e e r a i i y f n t e o e e f pro e ty by m a s op r e n f a m ch n cae a i l pa t to pa fo "bo i y in ur ", "pro e ty de i e o h r tha a har y y r d l j y p r v c , t e n n tr ck tha i no a ta hed u , t s t t c d da a e o "pe so a i j ry t a thi d pe som g " r r n l n u " o r r n to t e a rcra t w t rcra t o "a t ".h i f , a e f r u o o o ga i a i n To t l a i i y m a s a li b l tyr r n z t o . r i b l t e n a i i 16. "M bi e e u pm n " m a s a y o the fo l wi go l q i e t e n n f l o nth t wo l be i po e by l w i t e a se ce oa u d m s d a n h b n f ty e o la d v hi l s, i cl di g a y a ta hep s f n e c e n u n n t c da y co t r g e m ntn n r o a r e e . m chi e y o e ui m nta n r r q p e :

Pa a r pr g a h f. do s no i cl de th t pa t o a ye t n u a r f n a. Bu l o e s, fa m m chi e y fo k i ts a d o h rl d z r r a n r , r l f n t eco tr ct o a re m n :n a r g e e t v hi s de i n d fo use pri ci a l o f pub ie s g e r n p l y f l c (1) Tha i d m i i s a ra l o d fo "bo i y ro d ;t n e n f e i r a r d l a s i j ry o "pro e ty da a e a i i g o t on u " r p r m g " r s n u f b. Ve i l s m i t i e fo use so e y o o ne t toh c e a n a n d r l l n r xco stru n o de o i i n o e a i ns,n r m l t o p r t o pre i e y u wn r e tm s s o o o r n ;wi hi 50 fe t o a y ra l o d pro e t a dt n e f n i r a p r y n c. Ve i l s t a t a e n l r t e ds;h c e h t r v l o w e r aa fe t ng a y ra l o d bri g o tre tl ,f c i n i r a d e r s e Pa e 18 o 21g f CG 1 0 02 1T 0 9© 2017 The Travelers Indemnity Company. All rights reserved.

Includes copyrighted material of Insurance Services Office, Inc. with its permission. ect,
beco
unco
cti
cie
ctu
acce
cip
ctio
act
ctio
cra
cle
Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B 45 COMM RCI L G NERAL IAB LI YE A E L I T
d. Ve i s, whe he sel -pro e l d o no ,h t r f p l e r t b. An a t o o i si n co m t e in pro i i g oc r m s o m i t d v d n r m i ta n d pri a i y to pro i e m b l ty to fa l ng to pro i e fi st a n i e m r l v d o i i i i v d r a d o "Go d Sai r o m ri aa t n pe m ne t y m u t d:r a n l o n e se v ce " to a pe so , un e s y u a e i ther i s r n l s o r n bu i e s o occup ti n of pro i i gs n s r a o v d n(1) Po e cra e , sho e s, l a e s, di g rs ow r n s v l o d r g e r pro e sio a e l h ca e se v ce .f s n l h a t r r i sdri l ; ol s r

18. "Pe so a a d a v r i i g i j ry m a s "pe so ar n l n d e t s n n u " e n r n l(2) Road construction or resurfacing e ui m n such a gra e s, scra e s o i j ry o "a v rt sin nq p e t s d r p r r n u " r d e i g i j r ". u y ro l rs;l e 19. "Pe so a n ur ":r n l i j y
e. Ve i l s no de crib d i Pa a r ph c e t s e n r g a h a., b., c. a. M a s i j ry o he tha "a v rt sin in u y ,e n n u , t r n d e i g j r "or d. a o e th t a e no se f pro e l d a d a eb v a r t l - p l e n r ca se by o e o m r o th fo l w ngu d n r o e f e l o im i t i e pri a i y to pro i e m b l t toa n a n d m r l v d o i i y o fe se :f n spe m n n l a ta he e u p e t of ther a e t y t c d q i m n fo l wi g t p s:l o n y e (1) F l e a re t, de e t o r m ri o m n ;a s r s t n i n o i p s n e t (1) Ai co pr sso s, pum s a d ge e a o s,r m e r p n n r t r (2) M l ci us pr se o ;a i o o i ni cl d ng spra i g, we d ng bui d ngn u i y n l i , l i cl a i g ge ph si a e pl ra i n, l gh i ge n n , o y c l x o t o i t n (3) The wro gf l e i fro , wro gf l e trn u v n m n u n y a d e l se v ci g e ui m nt rn w l r i n q p e ; o i t , o in a i n o the ri h o pri a en o r v s o f g t f v t o cup ncy o a ro m dwe l n o pre i ec a f o , l i g r m s s(2) Che ry pi k rs a d si i a de i e use tor c e n m l r v c s d th t a pe so o cup e , pro i e tha thea r n c i s v d d tra se o o e o k rs;i r l w r w r e wro g u v ct o , wro g u nt y o n a i nn f l e i i n n f l e r r i v s of. Ve i l s no de crib d i Pa a r ph c e t s e n r g a h a., b., c. o the ri h o pri a e o cupa cy isf g t f v t c nor d. a o e m i ta n d pri a i y fo pu po eb v a n i e m r l r r s s co m t e by o o be a f o the o ne ,m i t d r n h l f w ro h r tha th tra spo t t o o pe so s ot e n e n r a i n f r n r l nd o d o le so o tha ro m dwe l ng oa l r r s r f t o , l i rca g .r o pre i e ;m s s Ho e e , se f pro e l d v h cl s wi h thw v r l - p l e e i e t e (4) Ora o writ e pub i a i n incl di gl r t n l c t o , u nfo l wi g ty e o pe m n nt y at a hel o n p s f r a e l t c d pu l ca i n by e e t o i m a s, o m t r ab i t o l c r n c e n f a e i le ui m nt a e no "m bi e e u pm n " bu wilq p e r t o l q i e t t l th t sl nd r o l b l a pe so oa a e s r i e s r n rbe co si e e "a t s":n d r d u o o di pa a e a pe so 's or s r g s r n r(1) Eq i m nt de ig e ri a i y f r:u p e s n d p m r l o (a) Sn w r m v lo e o a ; pro i e t a the cl i i m d r he "sui "v d d h t a m s a e o t t i bro g t by a pe so o o g n z ti n thas u h r n r r a i a o t(b) Ro d m i t na ce but noa a n e n , t co stru n o r surfa i g; o cl i s to ha e be n sl nd r d o i en r e c n r a m v e a e e r l b l d, o e r th t cl i s to ha e ha i s go ds, pro u tsa a m v d t o d c(c) St e t i g;r e n n o se v ce di pa a e ; or r i s s r g d r(2) Che ry pi ke s an sim l r de i er c r d i a v c s (5) Ora o wri te publ ca i n, in l d nl r t n i t o c u i gm un e o a t m bi e o truck cha siso t d n u o o l r s pu l ca i n by e e tr n c m a s, o m t ri lb i t o l c o i e n f a e aa d se t a se o o e o k rs; a dn u d o r i r l w r w r e n th t:a(3) Ai co pr sso s, pum s a d ge e a o s,r m e r p n n r t r i cl di g spra i g we di g bui di gn u n y n , l n , l n (a) Ap ro ri t s a pe so ' na e v i ep p a e r n s m , o c , cl a i g ge ph si a e pl ra i n, l gh i ge n n , o y c l x o t o i t n ph t gr p r i e e s; oo o a h o l k n s r a d e l se v ci g e ui m ntn w l r i n q p e .
(b) Unre so a l pl ce a pe so in aa n b y a s r nHo e e , "m bi e e u p e t do s no i cl de a yw v r o l q i m n " e t n u n fa se l gh .l i tl nd v h cl th t is sub e t to a co pu so y oa e i e a j c m l r r b. In l d s "bo i y in ur " ca se by o e o m rc u e d l j y u d n r o efinancial responsibility law, or other motor vehicle i sura ce l w, whe e i is l ce se o pri ci a l o the o f n en n a r t i n d r n p l y f f e s s de crib d in Pa a ra hs e r g p a. ga a e . Such la d v h cl s a e co sid rer g d n e i e r n e d a o eb v . "a t s".u o 20. "Po l t n s" m a a y so i , l qu d ga e u ol u a t e n n l d i i , s o s r

17. "Occurr n e m a s:e c " e n th rm l irr t n o co t m n nt i cl di g sm k ,e a i a t r n a i a , n u n o e v po , so t, fu e , s, a k l s, che i a s a da r o m s d l a i m c l na. A a ci e t, i cl di g co ti uo s o re e t dn c d n n u n n n u r p a e wa te Wa te in l d s m te i l to be re y l d,s . s c u e a r a s c c ee po ure to substa t a l th sa e ge e ax s n i l y e m n r l re o di i n d o r cl i e .c n t o e r e a m dha m ul co di i n ; rr f n t o s o CG 1 0 02 1T 0 9 Pa e 19 o 21g f© 2017 The Travelers Indemnity Company. All rights reserved.

Includes copyrighted material of Insurance Services Office, Inc. with its permission. cle
cut
ctio
clea
ctio
aci
organization
organization's goods, products or services,
Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B 46 COMM RCIAL E ERAL IAB LITYE G N L I

21. "Pre i e da a e m a s: co tr ct ca l fo wo k a m re th nm s s m g " e n n a l s r r t o a o e j b i en o s t .a. Wit re to th fi st pa a ra h o theh s e r r g p f e ce ti n in Ex l siox p o s c u n j. of I – (c) Whe tha pa t o the wo k do e a an t r f r n t Co e a ev r g A – Bo i y In ur And Pro e td l j y p r y j b si e ha be n put to it i t nd do t s e s n e e Da a e Li b l ty "pro e ty da a e to a ym g a i i , p r m g " n use b ny p r o o rg n z t o th ry a e s n r o a i a i n o e pre i e whi e re t d to y u fo a pe i d om s s l n e o r r o f th n an th r co tr ct r ora o e n a o se e o fe e co se ut v da s, in l d ng thev n r w r n c i e y c u i subco t a t r wo k n o th sa en r c o r i g n e m co te ts o uch re i e ; rn n f s p m s s o pro e tj c . b. Wit re pe t to th e ce t o to Ex l si nsh s c e x p i n c u o c. Wo k tha m y ne d se v ce m i t na cer t a e r i , a n e n ,th o gr u h n. i he l st a a ra h o a a r pn t a p r g p f P r g a h 2. co r ct o , re a r o re l ce e t, bu w i hr e i n p i r p a m n t h co Se ti nf c o I – Co e a ev r g A – Bo i y Inj ry Andd l u i o h rwi e co pl t , wi l be tre t d as t e s m e e l a e sPro e ty Da a e L a i i y "pro e ty d m ge top r m g i b l t , p r a a " co p e e .m l t da y pre i e whi e re t d t y u fo a pe i d on m s s l n e o o r r o f b. Do s no in l d "bo i y in u y o "pro e tye t c u e d l j r " r p rm re th n se e co se ut v da s, o whi eo a v n n c i e y r l da a e a i i g o t o :m g " r s n u fte p ra i y o cup e by y u wi h pe m ssio om o r l c i d o t r i n f th o n r, ca se ye w e u d b : (1) The tr n po t ti n o pro e t , unl ss thea s r a o f p r y e i j ry o da a e a i e o t o co d t o nn u r m g r s s u f a n i i n i(1) F rei ; o on a v h cl no o n d o o e a e byr e i e t w e r p r t d(2) Ex l si n;p o o y u, a d tha co di i n wa cre t d by theo n t n t o s a e " o h t e i l b nyf t a v h c e y a(3) Lightning; l a i g o unl a i g"o d n r o d n i sure ;n d(4) Sm k re ul i g fro fi e e pl sio oo e s t n m r , x o n r l g t i g ri h n n ; o (2) The e i te ce o to l , uni sta l dx s n f o s n l e e ui m nt o ab nd n d o unuseq p e r a o e r d(5)
m te i l ; ra r a s oBu "pre i e da a e un e thi Pa a r pt m s s m g " d r s r g a h (3) Pro uct o o e a i n fo whi h thd s r p r t o s r c eb. do s no in l d "pro e ty da a e to a ye t c u e p r m g " n cl ssi i a i n, li te i th De ra i ns oa f c t o s d n e t o rpre i e ca se b :m s s u d y i a po i y Sche u e sta e th t pro uct -n l c d l , t s a d s(1) Rup u e bu sti g o o e a i n o pre suret r , r n , r p r t o f s co p e e o e a i n a e subj ct to them l t d p r t o s r ere i f e i e ;l e d v c s Ge e a g re a e Li i .n r l A g g t m t (2) Rup u e o bu sti g due to e p nsio ot r r r n x a n r 23. "Pro e ty d m ge m a s:p r a a " e nswe l n o th co t n s o a y bui d n ol i g f e n e t f n l i g r a. Ph si a in u y to ta gi l pro e t , in d ng a ly c l j r n b e p r y i lstru tu e ca se b r e ul i g r m w t r;c r u d y o r s t n f o a e re ul i g l ss o use o th t pro e t . Al suchs t n o f f a p r y lor l ss o use wi l be de m d to t t e t m fo f l e e a h i e o (3) Ex l si n o ste m bo l r , ste m pi e ,p o o f a i e s a p s th p y i a n u y t a ca se t re h s c l i j r h t u d i ; o ste m e gi e o te m t r i e .a n n s r s a u b n s b. Lo s o use o ta gi l pro e ty tha i nos f f n b e p r t s t ph si a l in ur d Al such l ss o use wi l bey c l y j e . l o f l22. "Products-completed operations hazard":
de m d to o cur a the ti e o th cee e c t m f e n "a. In l d s a l "bo i y in ur " a d "pro e tyc u e l d l j y n p r th t a se ta c u d i .da a e o cur i g a a fro pre i e y um g " c r n w y m m s s o F r the purp se o th s in ura ce "e e i da ao o s f i s n , l n c t "o n o re t a d a i in o t o "y ur pro uct ow r n n r s g u f o d " r i n t a g bl ro e t .s o t n i e p p r y"y ur o k e ce t:o w r " x p

24. "Sl g n :o a "(1) Pro uct th t a e sti l in y ur phy icad s a r l o s l a. M a s a phr se th t o h r u e fo he pu p see n a a t e s s r t r opossession; or o t ra ti g a t n i n n t e r d e t sin .f a t c n t e t o i h i a v r i g(2) Wo k tha ha no y t be n co p e e or t s t e e m l t d r b. Do s no in l d a phra e use a , o in thee t c u e s d s r ,a a d n d. Ho e e , "y ur wo k wi l beb n o e w v r o r " l na e o :m fde m d co pl t d a th e rl e t o thee e m e e t e a i s f fo l wi g i e :l o n t m s (1) An pe so o o g n z t o , o he th n y u;y r n r r a i a i n t r a o or(a) Whe a l o th wo k ca l d fo i y un l f e r l e r n o r co tr ct ha b e o p e e .n a s e n c m l t d (2) An busin ss, o a y o th pre i e ,y e r n f e m s s go ds, pro uct , se v ce o wo k o a yo d s r i s r r , f n(b) Whe a l o th wo k to be do e a then l f e r n t pe so r r a i a i n t e ha o .r n o o g n z t o , o h r t n y uj b sit ha be n co pl t d i y uo e s e m e e f o r Pa e 20 o 21g f CG 1 0 02 1T 0 9© 2017 The Travelers Indemnity Company. All rights reserved.

Includes copyrighted material of Insurance Services Office, Inc. with its permission. pect
Section
cla
clu
occur
"occurre
ctro
Water.

Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B 47 COMM RCI L G NERAL IAB LI YE A E L I T

25. "Su t m a s a civ l pro e d n i whi h da a ei " e n i c e i g n c m g s (a) Y uo ; be a se o "bo i y in u y , "pro e ty da a e oc u f d l j r " p r m g " r (b) Ot e s t a i g nd r y u a e rh r r d n u e o r n m ; o "pe so a a d a v rt si g i j ry to whi h thir n l n d e i n n u " c s (c) A pe so o or a i a i n who er n r g n z t o si sura ce a pl e a e a l ge . "Su t i cl de :n n p i s r l e d i " n u s bu i e s o a se s y u ha e a qu re ;s n s r s t o v c i d a. An a b t a i n pro e di g i whi h suchr i r t o c e n n c a dn da a e a e cla m d a d to whi h th in urem g s r i e n c e s d (2) Co t i e s (o he tha v hi l s), m t ri l ,n a n r t r n e c e a e a sm st subm t o do s sub i wi h o r co se tu i r e m t t u n n ; pa t o e u pm n furn she i co ne ti nr s r q i e t i d n n c oor wi h uch g o s o ro uct .t s o d r p d s b. An o he al e n ti e di put re o ut oy t r t r a v s e s l i n b. In l d s:c u e pr ce di g in whi h such d m ge a e cl i eo e n c a a s r a m d (1) Wa ra ti s o re re e ta i ns m de a a yr n e r p s n t o a t na d to whi h th in ure subm ts wit o rn c e s d i h u ti e wi h re pe t to the fi n ss, qua i ym t s c t e l t ,co se t.n n du a i i y pe fo m n e o use o "y urr b l t , r r a c r f o

26. "Te p ra y wo k r m a s a pe so who im o r r e " e n r n s pro uct ; ndd " a fu ni he to y u to substi ut fo a pe m ne tr s d o t e r r a n (2) The pro i i g o o fa l re to pro i ev d n f r i u v d"e pl y e o l a e o to m e se so a o sho tm o e " n e v r e t a n l r r - wa ni g o n tr ct o s.r n s r i s u i nte m w r l a o di i n .r o k o d c n t o s c. Do s no i cl de v nd ng m ch ne o o h re t n u e i a i s r t e27. "Ti l " m a s a na e o l t r r r a t sti o kt e e n m f a i e a y o r i c w r . pro e ty re t d to o l ca e fo the use op r n e r o t d r f

28. "Unso i co m n ca i n m a s a yl d m u i t o " e n n o h r b t no so dt e s u t l . co m n ca i n in a y fo m tha th re i nt om u i t o , n r , t e e f 31. "Y u o k :o r w r "such co m n ca i n di no spe i a l re ue t tom u i t o d t f c l y q s a. M a s:e nre e v .c i e
(1) Wo k o o e a i n pe f rm d by y u o or r p r t o s r o e o r n29. "Vo u t e wo k r m a s a pe so who i no y ul n e r r e " e n r n s t o r y ur e a f; a do b h l n"e pl y e , a d who do a e hi o he wo k a dm o e " n n t s s r r r n a t a th di e ti n o a d wi hi the sco e oc s t e r c o f n t n p f (2) M te i l , pa t o e u pm n furn she ina r a s r s r q i e t i d du i s de e m n d by y u a d is no pa d a fe ,t e t r i e o , n t i e co ne ti n wi h uch w r o pe a i n .n c o t s o k r o r t o s sa a y o o he co pe sa i n by y u o a y n e sel r r t r m n t o o r n o e l b. In l d s:c u efo he r o k p r o m d f r o .r t i w r e f r e o y u (1) Wa ra ti s o re re e ta i ns m de a a yr n e r p s n t o a t n30. "Y u ro uct :o r p d " ti e wi h re pe t to the fi n ss, qua i ym t s c t e l t , a. M a s:e n du a i i y pe fo m n e o use o "y urr b l t , r r a c r f o (1) An go d o pro uct , o h r th n re l wo k ; a dy o s r d s t e a a r " n pro e ty m n f ct r d so d ha d e ,p r , a u a u e , l , n l d (2) The pro i i g o o fa l re to pro i ev d n f r i u v d di tr bu e r d spo e f ys i t d o i s d o b : o n tr ct o s.r i s u i n CG 1 0 02 1T 0 9 Pa e 21 o 21g f© 2017 The Travelers Indemnity Company. All rights reserved.

Includes copyrighted material of Insurance Services Office, Inc. with its permission. cite
cip
ci
warnings
Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B 48 COMMERCIAL AUTO
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

BUSINESS AUTO EXTENSION ENDORSEMENT
This endorsement modifies insurance provided under the following:

BUSINESS AUTO COVERAGE FORM
GENERAL DESCRIPTION OF COVERAGE — This endorsement broadens coverage. However, coverage for any injury, damage or medical expenses described in any of the provisions of this endorsement may be excluded or limited by another endorsement to the Coverage Part, and these coverage broadening provisions do not apply to the extent that coverage is excluded or limited by such an endorsement. The following listing is a general cover- age description only. Limitations and exclusions may apply to these coverages. Read all the provisions of this en- dorsement and the rest of your policy carefully to determine rights, duties, and what is and is not covered.

A. BROAD FORM NAMED INSURED H. HIRED AUTO PHYSICAL DAMAGE — LOSS OF B. BLANKET ADDITIONAL INSURED USE — INCREASED LIMIT
C. EMPLOYEE HIRED AUTO I. PHYSICAL DAMAGE — TRANSPORTATION EXPENSES — INCREASED LIMIT
D. EMPLOYEES AS INSURED J. PERSONAL PROPERTY
E. SUPPLEMENTARY PAYMENTS — INCREASED
LIMITS
F. HIRED AUTO — LIMITED WORLDWIDE COV-
ERAGE — INDEMNITY BASIS
G. WAIVER OF DEDUCTIBLE — GLASS

PROVISIONS
A. BROAD FORM NAMED INSURED
The following is added to Paragraph A.1., Who Is
An Insured, of SECTION II — COVERED AUTOS
LIABILITY COVERAGE:

Any organization you newly acquire or form dur-
ing the policy period over which you maintain
50% or more ownership interest and that is not
separately insured for Business Auto Coverage.

Coverage under this provision is afforded only un-
til the 180th day after you acquire or form the or-
ganization or the end of the policy period, which-
ever is earlier.

B. BLANKET ADDITIONAL INSURED
The following is added to Paragraph c. in A.1.,
Who Is An Insured, of SECTION II — COVERED
AUTOS LIABILITY COVERAGE:

Any person or organization who is required under
a written contract or agreement between you and
that person or organization, that is signed and
executed by you before the "bodily injury" or
"property damage" occurs and that is in effect
during the policy period, to be named as an addi-
tional insured is an "insured" for Covered Autos
Liability Coverage, but only for damages to which
K. AIRBAGS
L. NOTICE AND KNOWLEDGE OF ACCIDENT OR
LOSS
M. BLANKET WAIVER OF SUBROGATION
N. UNINTENTIONAL ERRORS OR OMISSIONS
this insurance applies and only to the extent that
person or organization qualifies as an "insured"
under the Who Is An Insured provision contained
in Section II.

C. EMPLOYEE HIRED AUTO

1. The following is added to Paragraph A.1.,
Who Is An Insured, of SECTION II — COV-
ERED AUTOS LIABILITY COVERAGE:

An "employee" of yours is an "insured" while
operating an "auto" hired or rented under a
contract or agreement in an "employee's"
name, with your permission, while performing
duties related to the conduct of your busi-
ness.

2. The following replaces Paragraph b. in B.5.,
Other Insurance, of SECTION IV — BUSI-
NESS AUTO CONDITIONS:
b. For Hired Auto Physical Damage Cover-
age, the following are deemed to be cov-
ered "autos" you own:
(1) Any covered "auto" you lease, hire,
rent or borrow; and
(2) Any covered "auto" hired or rented by
your "employee" under a contract in
an "employee's" name, with your
CA T3 53 02 15 © 2015 The Travelers Indemnity Company. All rights reserved. Page 1 of 4 Includes copyrighted material of Insurance Services Office, Inc. with its permission.

Policy Number: 8102Y9064512526G
Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B 49 COMMERCIAL AUTO
permission, while performing duties
related to the conduct of your busi-
ness.

However, any "auto" that is leased, hired,
rented or borrowed with a driver is not a
covered "auto".

D. EMPLOYEES AS INSURED
The following is added to Paragraph A.1., Who Is
An Insured, of SECTION II — COVERED AUTOS
LIABILITY COVERAGE:

Any "employee" of yours is an "insured" while us-
ing a covered "auto" you don't own, hire or borrow
in your business or your personal affairs.

E. SUPPLEMENTARY PAYMENTS — INCREASED
LIMITS

1. The following replaces Paragraph A.2.a.(2),
of SECTION II — COVERED AUTOS LIABIL-
ITY COVERAGE:
(2) Up to $3,000 for cost of bail bonds (in-
cluding bonds for related traffic law viola-
tions) required because of an "accident"
we cover. We do not have to furnish
these bonds.

2. The following replaces Paragraph A.2.a.(4),
of SECTION II — COVERED AUTOS LIABIL-
ITY COVERAGE:
(4) All reasonable expenses incurred by the
"insured" at our request, including actual
loss of earnings up to $500 a day be-
cause of time off from work.

F. HIRED AUTO — LIMITED WORLDWIDE COV-
ERAGE — INDEMNITY BASIS
The following replaces Subparagraph (5) in Para-
graph B.7., Policy Period, Coverage Territory,
of SECTION IV — BUSINESS AUTO CONDI-
TIONS:
(5) Anywhere in the world, except any country or
jurisdiction while any trade sanction, em-
bargo, or similar regulation imposed by the
United States of America applies to and pro-
hibits the transaction of business with or
within such country or jurisdiction, for Cov-
ered Autos Liability Coverage for any covered
"auto" that you lease, hire, rent or borrow
without a driver for a period of 30 days or less
and that is not an "auto" you lease, hire, rent
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.
(a) With respect to any claim made or "suit"
brought outside the United States of
America, the territories and possessions
of the United States of America, Puerto
Rico and Canada:
(i) You must arrange to defend the "in-
sured" against, and investigate or set-
tle any such claim or "suit" and keep
us advised of all proceedings and ac-
tions.
(ii) Neither you nor any other involved
"insured" will make any settlement
without our consent.
(iii) We may, at our discretion, participate
in defending the "insured" against, or
in the settlement of, any claim or
"suit".
(iv) We will reimburse the "insured" for
sums that the "insured" legally must
pay as damages because of "bodily
injury" or "property damage" to which
this insurance applies, that the "in-
sured" pays with our consent, but
only up to the limit described in Para-
graph C., Limits Of Insurance, of
SECTION II — COVERED AUTOS
LIABILITY COVERAGE.
(v) We will reimburse the "insured" for
the reasonable expenses incurred
with our consent for your investiga-
tion of such claims and your defense
of the "insured" against any such
"suit", but only up to and included
within the limit described in Para-
graph C., Limits Of Insurance, of
SECTION II — COVERED AUTOS
LIABILITY COVERAGE, and not in
addition to such limit. Our duty to
make such payments ends when we
have used up the applicable limit of
insurance in payments for damages,
settlements or defense expenses.
(b) This insurance is excess over any valid
and collectible other insurance available
to the "insured" whether primary, excess,
contingent or on any other basis.
(c) This insurance is not a substitute for re-
quired or compulsory insurance in any
country outside the United States, its ter-
ritories and possessions, Puerto Rico and
Canada.

Page 2 of 4 ends

Includes copyrighted material of Insurance Services Office, Inc. with its permission.

Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B 50 COMMERCIAL AUTO
You agree to maintain all required or
compulsory insurance in any such coun-
try up to the minimum limits required by
local law. Your failure to comply with
compulsory insurance requirements will
not invalidate the coverage afforded by
this policy, but we will only be liable to the
same extent we would have been liable
had you complied with the compulsory in-
surance requirements.
(d) It is understood that we are not an admit-
ted or authorized insurer outside the
United States of America, its territories
and possessions, Puerto Rico and Can-
ada. We assume no responsibility for the
furnishing of certificates of insurance, or
for compliance in any way with the laws
of other countries relating to insurance.

G. WAIVER OF DEDUCTIBLE — GLASS
The following is added to Paragraph D., Deducti-
ble, of SECTION III — PHYSICAL DAMAGE
COVERAGE:

No deductible for a covered "auto" will apply to
glass damage if the glass is repaired rather than
replaced.

H. HIRED AUTO PHYSICAL DAMAGE — LOSS OF
USE — INCREASED LIMIT
The following replaces the last sentence of Para-
graph A.4.b., Loss Of Use Expenses, of SEC-
TION III — PHYSICAL DAMAGE COVERAGE:

However, the most we will pay for any expenses
for loss of use is $65 per day, to a maximum of
$750 for any one "accident".

I. PHYSICAL DAMAGE — TRANSPORTATION
EXPENSES — INCREASED LIMIT
The following replaces the first sentence in Para-
graph A.4.a., Transportation Expenses, of
SECTION III — PHYSICAL DAMAGE COVER-
AGE:

We will pay up to $50 per day to a maximum of
$1,500 for temporary transportation expense in-
curred by you because of the total theft of a cov-
ered "auto" of the private passenger type.

J. PERSONAL PROPERTY
The following is added to Paragraph A.4., Cover-
age Extensions, of SECTION III — PHYSICAL
DAMAGE COVERAGE:

Personal Property
We will pay up to $400 for "loss" to wearing ap-
parel and other personal property which is:
(1) Owned by an "insured"; and
CA T3 53 02 15
(2) In or on your covered "auto".

This coverage applies only in the event of a total
theft of your covered "auto".

No deductibles apply to this Personal Property
coverage.

K. AIRBAGS
The following is added to Paragraph B.3., Exclu-
sions, of SECTION III — PHYSICAL DAMAGE
COVERAGE:

Exclusion 3.a. does not apply to "loss" to one or
more airbags in a covered "auto" you own that in-
flate due to a cause other than a cause of "loss"
set forth in Paragraphs A.1.b. and A.1.c., but
only:
a. If that "auto" is a covered "auto" for Compre-
hensive Coverage under this policy;
b. The airbags are not covered under any war-
ranty; and
c. The airbags were not intentionally inflated.

We will pay up to a maximum of $1,000 for any
one "loss".

L. NOTICE AND KNOWLEDGE OF ACCIDENT OR
LOSS
The following is added to Paragraph A.2.a., of
SECTION IV — BUSINESS AUTO CONDITIONS:

Your duty to give us or our authorized representa-
tive prompt notice of the "accident" or "loss" ap-
plies only when the "accident" or "loss" is known
to:
(a) You (if you are an individual);
(b) A partner (if you are a partnership);
(c) A member (if you are a limited liability com-
pany);
(d) An executive officer, director or insurance
manager (if you are a corporation or other or-
ganization); or
(e) Any "employee" authorized by you to give no-
tice of the "accident" or "loss".

M. BLANKET WAIVER OF SUBROGATION
The following replaces Paragraph A.5., Transfer
Of Rights Of Recovery Against Others To Us,
of SECTION IV — BUSINESS AUTO CONDI-
TIONS :

5. Transfer Of Rights Of Recovery Against
Others To Us
We waive any right of recovery we may have
against any person or organization to the ex-
tent required of you by a written contract
signed and executed prior to any "accident"
or "loss", provided that the "accident" or "loss"
arises out of operations contemplated by
© 2015 The Travelers Indemnity Company. All rights reserved. Page 3 of 4 Includes copyrighted material of Insurance Services Office, Inc. with its permission.

Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B 51 COMMERCIAL AUTO
such contract. The waiver applies only to the
person or organization designated in such
contract.

N. UNINTENTIONAL ERRORS OR OMISSIONS
The following is added to Paragraph B.2., Con-
cealment, Misrepresentation, Or Fraud, of
SECTION IV — BUSINESS AUTO CONDITIONS:

Page 4 of 4 ends

The unintentional omission of, or unintentional
error in, any information given by you shall not
prejudice your rights under this insurance. How-
ever this provision does not affect our right to col-
lect additional premium or exercise our right of
cancellation or non-renewal.
© 2015 The Travelers Indemnity Compa ny. All rights reserved . CA T3 53 02 15 Includes copyrighted material of Insurance Services Office, Inc. with its permission.

Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B 52 COMMERCIAL AUTO
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

BLANKET ADDITIONAL INSURED – PRIMARY AND

Includes copyrighted material of Insurance Services Office, Inc. with its permission.

Page 1 of 1 ends

This endorsement modifies insurance provided under the following:

BUSINESS AUTO COVERAGE FORM

PROVISIONS

1. The following is added to Paragraph A.1.c., Who
Is An Insured , of SECTION ll – COVERED
AUTOS LIABILITY COVERAGE :

This includes any person or organization who you
are required under a written contract or
agreement between you and that person or
organization, that is signed by you before the
"bodily injury" or "property damage" occurs and
that is in effect during the policy period, to name
as an additional insured for Covered Autos
Liability Coverage, but only for damages to which
this insurance applies and only to the extent of
that person's or organization's liability for the
conduct of another "insured".

2. The following is added to Paragraph B.5., Other
Insurance of SECTION IV – BUSINESS AUTO
CONDITIONS:

Regardless of the provisions of paragraph a. and
paragraph d. of this part 5. Other Insurance, this
insurance is primary to and non-contributory with
applicable other insurance under which an
additional insured person or organization is the
first named insured when the written contract or
agreement between you and that person or
organization, that is signed by you before the
"bodily injury" or "property damage" occurs and
that is in effect during the policy period, requires
this insurance to be primary and non-contributory.

Policy Number: 8102Y9064512526G
Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B 53 COMMERCIAL AUTO
This endorsement modifies insurance provided under the following:

AUTO DEALERS COVERAGE FORM

BUSINESS AUTO COVERAGE FORM

MOTOR CARRIER COVERAGE FORM
CA T3 40 02 15
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

BLANKET WAIVER OF SUBROGATION

Page 1 of 1 ends

Includes copyrighted material of Insurance Services Office, Inc. with its permission.

The following replaces Paragraph A.5., Transfer of
Rights Of Recovery Against Others To Us , of the
CONDITIONS Section:

5. Transfer Of Rights Of Recovery Against Oth-
ers To Us
We waive any right of recovery we may have
against any person or organization to the extent
required of you by a written contract executed
prior to any "accident" or "loss", provided that the
"accident" or "loss" arises out of the operations
contemplated by such contract. The waiver ap-
plies only to the person or organization desig-
nated in such contract.

Policy Number: 8102Y9064512526G
Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B 54 UB7Y15905A2526G
DATE OF ISSUE: 7-1-24
Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B 55 BA20241239989
Entity Details
Limited Liability Company Name RCM FIRE PROTECTION, LLC Entity No. 2275877
Formed In CALIFORNIA
Street Address of Principal Office of LLC
Principal Address 350 ENTERPRISE PLACE
TRACY, CA 95304
Mailing Address of LLC
Mailing Address 350 ENTERPRISE PLACE
TRACY, CA 95304
Attention
Street Address of California Office of LLC
Street Address of California Office 350 ENTERPRISE PLACE TRACY, CA 95304
Manager(s) or Member(s)
Manager or Member Name Manager or Member Address
• Ramon Misfeldt 350 ENTERPRISE PLACE
TRACY, CA 95304
Agent for Service of Process
California Registered Corporate Agent (1505) C T CORPORATION SYSTEM Registered Corporate 1505 Agent
Type of Business
Type of Business Contractor
Email Notifications
Opt-in Email Notifications No, I do NOT want to receive entity notifications via email. I prefer notifications by USPS mail.

Chief Executive Officer (CEO)
CEO Name CEO Address
None Entered
Labor Judgment
No Manager or Member, as further defined by California Corporations Code section 17702.09(a)(8), has an outstanding final judgment issued by the Division of Labor Standards Enforcement or a court of law, for which no appeal is pending, for the violation of any wage order or provision of the Labor Code.

STATE OF CALIFORNIA
Office of the Secretary of State

STATEMENT OF INFORMATION

LIMITED LIABILITY COMPANY
California Secretary of State
1500 11th Street
Sacramento, California 95814
(916) 657-5448
B2860-3195 07/02/2024 12:40 PM Received by California Secretary of State

Page 1 of 2 ends

For Office Use Only
-FILED-
File No.: BA20241239989
Date Filed: 7/2/2024
Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B 56 Electronic Signature
By signing, I affirm under penalty of perjury that the information herein is true and correct and that I am authorized by California law to sign.

CURT ARNOLD
Signature
07/02/2024
Date
B2860-3196 07/02/2024 12:40 PM Received by California Secretary of State

Page 2 of 2 ends

Docusign Envelope ID: DF56CC9F-2BDC-4FFB-95E8-3239A48D6E1B 57

Alameda City CouncilSeptember 2, 2025

Alameda City Council
September 2, 2025