Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D BUSINESSOWNERSTHIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.CALIFORNIA – AMENDATORY PROVISIONSThis endorsement modifies insurance provided under the following:BUSINESSOWNERS PROPERTY COVERAGE SPECIAL FORM MP T5 22 08 07 Page 1 of 2©2007 The Travelers Companies, Inc.
A.The BUSINESSOWNERS PROPERTY COVER- AGE SPECIAL FORM is changed as follows:1.The limit applicable to the Additional Cover- age – Arson and Theft Reward is increased from $5,000 to $10,000.2.The limit applicable to the Additional Cover- age – Expediting Expenses is increased from $25,000 to $30,000.3.The limit applicable to the Additional Cover- age – Fire Department Service Charge is increased from $25,000 to $30,000.4.The limit applicable to the Additional Cover- age – Fire Protective Equipment Discharge is increased from $10,000 to $15,000.5.The limit applicable to the Additional Cover- age-Temporary Relocation of Property is increased from $50,000 to $75,000.6.The following Additional Coverages are added:a.Contract Penalty Clause(1)We will pay contract penalties you in- cur as a result of your failure to de- liver your products or services within the time required by such contract, if the failure is solely due to direct physical loss of or damage to prop- erty at the described premises caused by or resulting from a Cov- ered Cause of Loss.(2)The most we will pay under this Addi- tional Coverage is $1,000 for the sum of all covered contract penalties aris- ing out of all Covered Causes of Loss occurring during each separate 12 month period of this policy beginning with the effective date of this en- dorsement.b.Lease Assessment (1)When a Limit of Insurance is shown in the Declarations for Business Per- sonal Property at any described premises, we will pay for your share of any assessment charged:
(a)To all tenants by the building owner;(b)Pursuant to a written lease agreement; and(c)As a result of direct physical loss or damage by a Covered Cause of Loss to building property you occupy.(2)The most we will pay for loss under this Additional Coverage is $2,500 in any one occurrence.c.Lost Key Consequential Loss (1)We will pay for consequential loss to keys and locks if a master or grand master key is lost or damaged from a Covered Cause of Loss. We will pay for:(a)The actual cost of keys, and (b)Adjustment of locks to accept new keys, or (c)If required, new locks including cost of their installation.(2)Loss or damage must be caused by or result from a Covered Cause of Loss including mysterious disappear- ance.(3)The most we will pay for loss or dam- age under this Additional Coverage is $500 at each described premises.d.Overseas Business Travel(1)When a Limit of Insurance is shown in the Declarations for Business Per- sonal Property at the described prem- ises, we will pay for direct physical loss or damage by a Covered Cause of Loss to business personal property while in the custody of any officer or "employee" of the insured while tem- porarily traveling outside of the United States of America (including its territories and possessions), Puerto Rico and Canada.
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
BUSINESSOWNERS
(2)This Additional Coverage does not apply to property:(a)Otherwise covered under the Overseas Fine Arts Additional Coverage; or(b)Otherwise covered under the fol- lowing Coverage Extensions:(i)Electronic Data Processing; or (ii)Overseas Valuable Papers and Records.(3)The most we will pay for loss under this Additional Coverage is $10,000 in any one occurrence.e.Utility Services – Direct Damage(1)We will pay for loss of or damage to Covered Property caused by the in- terruption of services to the described premises. The interruption must re- sult from direct physical loss or dam- age by a Covered Cause of Loss to the following property not on the de- scribed premises:(a)"Water Supply Services";(b)"Communication Supply Ser- vices"; or (c)"Power Supply Services".(2)The most we will pay for loss or dam- age under this Additional Coverage in any one occurrence is $2,500 at each described premises.(3)Payments under this Additional Cov- erage are subject to and not in addi- tion to the applicable Limit of Insur- ance. f.Water or Sewage Back Up and Sump Overflow(1)We will pay for direct physical loss of or damage to Covered Property at the described premises caused by or resulting from water or sewage that backs up or overflows from a sewer, drain or sump.(2)Paragraph B.1.g.(3) does not apply to this Additional Coverage.(3)With respect to otherwise covered Business Income and Extra Expense, the causes of loss described in Para- graph (1) above will not be consid- ered Covered Causes of Loss.(4)The most we will pay under this Addi- tional Coverage in any one occur- rence is $5,000, regardless of the number of premises involved.7.The following Coverage Extensions are changed as follows:a.The limit applicable to the Coverage Ex- tension-Appurtenant Buildings and Structures is increased from $50,000 to $100,000.b.The limit applicable to the Coverage Ex- tension-Non-Owned Detached Trailers is increased from $5,000 to $7,500.c.The limit applicable to the Coverage Ex- tension-Outdoor Property is increased from $10,000 to $15,000.d.The limit applicable to the Coverage Ex- tension-Personal Effects is increased from $25,000 to $30,000.
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
SCHEDULE
© 2007 The Travelers Companies, Inc.
POLICY NUMBER:BUSINESSOWNERSISSUE DATE:THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.SEWER OR DRAIN BACK UP EXTENSIONThis endorsement modifies insurance provided under the following:BUSINESSOWNERS PROPERTY COVERAGE SPECIAL FORMLimit of Insurance $ MP T3 06 02 07 Page 1 of 1
The following is added to Paragraph A. 7. Coverage Extensions : Water or Sewage Back Up and Sump Overflow (1)When the Declarations show that you have cov- erage for Building or Business Personal Property, you may extend that insurance to apply to direct physical loss of or damage to Covered Property at the described premises caused by or resulting from water or sewage that backs up or overflows from a sewer, drain or sump. (2)When the Declarations show that you have cov- erage for Business Income and Extra Expense, you may also extend that insurance to apply to the actual loss of Business Income you sustain and reasonable and necessary Extra Expense you incur caused by or resulting from water or sewage that backs up or overflows from a sewer, drain or sump. (3)Paragraph B.1.g.(3) does not apply to this Cover- age Extension. (4)The most we will pay under this Coverage Exten- sion in any one occurrence at each described premises is the Limit of Insurance shown in the Schedule above. 680-A2036190-25-4208/27/2025
25000
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D BUSINESSOWNERSPOLICY NUMBER: ISSUE DATE:THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.PROTECTIVE SAFEGUARDS ENDORSEMENT FORSPRINKLERED LOCATIONS AND RESTAURANTSSCHEDULE*This endorsement modifies insurance provided under the following:BUSINESSOWNERS COVERAGE PART 680-A2036190-25-4208/27/2025
Prem. Bldg. Protective Safeguards Prem. Bldg. Protective Safeguards No. No. Symbols ApplicableNo. No. Symbols Applicable001001P-1,P-9 Includes Material Copyrighted by Insurance Services Office, Inc.MP T3 07 03 97ISO Commercial Risk Services, Inc. Page 1 of 2 "P-1" "P-1" "P-1""P-1" "P-1""P-1""P-1" "P-1"
1.The following is added to the: BUSINESSOWNERS PROPERTY COVERAGE SPECIAL FORM BUSINESSOWNERS PROPERTY COVERAGE STANDARD FORM PROTECTIVE SAFEGUARDS a.As a condition of this insurance, you are re-quired to maintain the protective devices or services listed in the Schedule above. *Information required to complete this Schedule, if not shown on this endorsement, will be shown in the Decla- rations b.The protective safeguards to which this en- dorsement applies are identified by the follow- ing symbols:
Automatic Sprinkler System means: (1)Any automatic fire protective or extinguishing system, including connected: (a)Sprinklers and discharge nozzles; Automatic Sprinkler System, includ- ing related supervisory services Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
BUSINESSOWNERS
"P-9"
Includes Material Copyrighted by Insurance Services Office, Inc.MP T3 07 03 97Page 2 of 2 ISO Commercial Risk Services, Inc.
Protective system covering cookingsurface as described in applicationfor insurance on file with the company (b)Ducts, pipes, valves and fit- tings; (c)Tanks, their component parts and supports; and (d)Pumps and private fire pro- tection mains. (2)When supplied from an automat-ic fire protective system: (a)Non-automatic fire protective systems; and(b)Hydrants, standpipes andoutlets.
2.The following is added to the EXCLUSION sec- tion of: BUSINESSOWNERS PROPERTY COVERAGE SPECIAL FORM BUSINESSOWNERS PROPERTY COVERAGESTANDARD FORM We will not pay for loss or damage caused by or resulting from fire if, prior to the fire, you: a.Knew of any suspension or impairment in any protective safeguard listed in the Schedule above and failed to notify us of that fact; or b.Failed to maintain any protective safeguard listed in the Schedule above, and over whichyou had control, in complete working order. If part of an Automatic Sprinkler System is shut off due to breakage, leakage, freezing conditions or opening of sprinkler heads, notification to us will not be necessary if you can restore full protection within 48 hours.
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D MP T3 25 01 21© 2020 The Travelers Indemnity Company. All rights reserved.Page 1 of 1Includes copyrighted material of Insurance Services Office, Inc. with its permission.
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.FEDERAL TERRORISM RISKINSURANCE ACT DISCLOSUREThis endorsement modifies insurance provided under the following: BUSINESSOWNERS COVERAGE PARTThe federal Terrorism Risk Insurance Act of 2002 as amended ("TRIA") establishes a program under which the Federal Government may partially reimburse "Insured Losses" (as defined in TRIA) caused by "Acts Of Terrorism" (as defined in TRIA). "Act Of Terrorism" is defined in Section 102(1) of TRIA to mean any act that is certified by the Secretary of the Treasury – in consultation with the Secretary of Homeland Security and the Attorney General of the United States – to be an act of terrorism; to be a violent act or an act that is dangerous to human life, property, or infrastructure; to have resulted in damage within the United States, or outside the United States in the case of certain air carriers or vessels or the premises of a United States Mission; and to have been committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion.The Federal Government’s share of compensation for such Insured Losses is 80% of the amount of such Insured Losses in excess of each Insurer’s "Insurer Deductible" (as defined in TRIA), subject to the "Program Trigger" (as defined in TRIA).
In no event, however, will the Federal Government be required to pay any portion of the amount of such Insured Losses occurring in a calendar year that in the aggregate exceeds $100 billion, nor will any Insurer be required to pay any portion of such amount provided that such Insurer has met its Insurer Deductible. Therefore, if such Insured Losses occurring in a calendar year exceed $100 billion in the aggregate, the amount of any payments by the Federal Government and any coverage provided by this policy for losses caused by Acts Of Terrorism may be reduced.The charge for such Insured Losses under this Coverage Part is included in the Coverage Part premium. The charge for such Insured Losses that has been included for this Coverage Part is indicated below, and does not include any charge for the portion of such Insured Losses covered by the Federal Government under TRIA:•4% of your total Businessowners Coverage Part premium if your primary location is in a Designated City (as listed below).•2% of your total Businessowners Coverage Part premium if your primary location is not in a Designated City (as listed below).Designated Cities areAlbuquerque, NMEl Paso, TXMiami, FLSan Antonio, TXAtlanta, GAFort Worth, TXMilwaukee, WISan Diego, CAAustin, TXFresno, CAMinneapolis, MNSan Francisco, CABaltimore, MDHonolulu, HINashville-Davidson, TNSan Jose, CABoston, MAHouston, TXNew Orleans, LASeattle, WACharlotte, NCIndianapolis, INNew York, NYSt. Louis, MOChicago, ILJacksonville, FLOakland, CATucson, AZCleveland, OHKansas City, MOOklahoma City, OKTulsa, OKColorado Springs, COLas Vegas, NVOmaha, NEVirginia Beach, VAColumbus, OHLong Beach, CAPhiladelphia, PAWashington, DCDallas, TXLos Angeles, CAPhoenix, AZWichita, KSDenver, COMemphis, TNPortland, ORDetroit, MIMesa, AZSacramento, CA Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D BUSINESSOWNERSTHIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.EQUIPMENT BREAKDOWN –SERVICE INTERRUPTION LIMITATIONThis endorsement modifies insurance provided under the following:BUSINESSOWNERS PROPERTY COVERAGE SPECIAL FORM MP T3 50 11 06 Page 1 of 1© 2007 The St. Paul Travelers Companies, Inc.
A.The BUSINESSOWNERS PROPERTY COVER- AGE SPECIAL FORM is changed as follows:1.The following is added to Paragraph A.7. Coverage Extensions i. Equipment Break- down:(9)With respect to Service Interruption cov- erage, we will not pay under this Cover- age Extension for loss or damage caused by or resulting from any of the following: (a)Fire; (b)Lightning;(c)Windstorm or hail; (d)Explosion (except for steam or cen- trifugal explosion);(e)Smoke;(f)Aircraft or vehicles;(g)Riot or civil commotion;(h)Vandalism;(i)Sprinkler Leakage;(j)Falling objects;(k)Weight of snow, ice or sleet;(l)Freezing; or(m)Collapse Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D BUSINESSOWNERSTHIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.AMENDATORY PROVISIONS – GREEN BUILDING AND BUSINESS PERSONAL PROPERTY COVERAGE ENHANCEMENTS This endorsement modifies insurance provided under the following:BUSINESSOWNERS PROPERTY COVERAGE SPECIAL FORM MP T3 56 02 08 Page 1 of 4© 2007 The Travelers Companies, Inc. (b)The reasonable additional cost you incur to employ "green" methods or processes of con- struction, disposal or recycling in the course of the repair and re- placement of the lost or damaged building, in accordance with the documented standards of a "Green Authority". (2)The insurance provided under this Additional Coverage applies only if replacement cost valuation applies to the lost or damaged building and then only if the building is actually repaired or replaced as soon as reasonably possible after the loss or damage. (3)The insurance provided under this Additional Coverage does not apply to any building that has been "vacant" for more than 60 consecutive days before the loss or damage occurs. (4)The most we will pay for the addi- tional cost incurred with respect to each building in any one occurrence under this Additional Coverage is de- termined by: (a)Multiplying 5%; times (b)The amount we would otherwise pay for the direct physical loss of or damage to the building, prior to application of any applicable de- ductible. (5)However, the most we will pay for the additional cost incurred in any one occurrence, regardless of the number of buildings involved, is $25,000.
A.DEFINITIONS As used in this endorsement: 1."Green" means products, materials, methods and processes that conserve natural re- sources, reduce energy or water consump- tion, avoid toxic or other polluting emissions or otherwise minimize the environmental im- pact. 2."Green Authority" means a recognized au-thority on green building or green products, materials or processes. B.The BUSINESSOWNERS PROPERTY COVER- AGE SPECIAL FORM is changed as follows: 1.The following Additional Coverages are added: a.Green Building Alternatives – In-creased Cost (1)If direct physical loss or damage by a Covered Cause of Loss occurs to a building that is covered property, we will pay for: (a)The reasonable additional cost you incur to repair or replace the lost or damaged portions of the building using products or mate- rials that: (i)Are "green" alternatives to the products or materials of the lost or damaged property, in accordance with the documented standards of a "Green Authority"; and (ii)Are otherwise of comparable quality and function to the damaged property; and Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
BUSINESSOWNERS
b.Green Building Reengineering and Re- certification Expense (1)If, as a result of direct physical loss or damage by a Covered Cause of Loss to a building that is Covered Property, the pre-loss level of "green" building certification by a "Green Authority" on the building is lost, we will pay for the following reasonable additional ex- penses you incur to re-attain the pre- loss level of "green" building certifica- tion from that "Green Authority": (a)The reasonable additional ex- pense you incur to hire a qualified engineer or other professional required by the "Green Authority" to be involved in: (i)Designing, overseeing or documenting the repair or re- placement of the lost or dam- aged building; or (ii)Testing and recalibrating the systems and mechanicals of the lost or damaged building to verify that the systems and mechanicals are performing in accordance with the design of such systems and me- chanicals or the specifica- tions of the manufacturer; and (b)The reasonable registration and recertification fees charged by the "Green Authority". (2)This Additional Coverage applies to the additional expenses described above that you incur to achieve the pre-loss level of "green" building certi- fication in accordance with the stan- dards of the "Green Authority" that exist at the time of repair or replace- ment, even if the standards have changed since the original certifica- tion was achieved. (3)The insurance provided under this Additional Coverage does not apply to any building that has been "vacant" for more than 60 consecutive days before the loss or damage occurs. (4)The most we will pay in any one oc- currence under this Additional Cover- age for: (a)All expenses incurred with re- spect to each building is 5% of the sum of: (i)The amount we pay for the direct physical loss of or damage to the building, in- cluding any amount paid un- der the Green Building Alter- natives – Increased Cost Ad- ditional Coverage; and (ii)The deductible amount ap- plied to the loss payment for direct physical loss or dam- age to the building; (b)All expenses incurred, regardless of the number of buildings in- volved, is $25,000. 2.The following Coverage Extensions are added: a.Green Building and Business Personal Property Alternatives – Increased Pe- riod of Restoration (1)If: (a)Direct physical loss or damage by a Covered Cause of Loss occurs to a building at the described premises or Business Personal Property at the described prem- ises to which the Green Business Personal Property Alternatives – Increased Cost Coverage Exten- sion applies; and (b)The Declarations show that you have coverage for Business In- come and Extra Expense; you may extend that insurance to in- clude the amount of actual loss of Business Income you sustain and reasonable and necessary Extra Ex- pense you incur during the increase in the "period of restoration" that is reasonably necessary to: (i)Repair or replace the lost or damaged portions of the building or Business Personal Property (as described in Green Business Personal Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
BUSINESSOWNERS
MP T3 56 02 08 Page 3 of 4© 2007 The Travelers Companies, Inc.
Property Alternatives – In- creased Cost Coverage Ex- tension) using products or materials that: a)Are "green" alternatives to the products or mate- rials of the lost or dam- aged property, in accor- dance with the docu- mented standards of a "Green Authority"; and b)Are otherwise of compa- rable quality and function to the damaged property; and (ii)Employ "green" methods or processes of construction, disposal or recycling in the course of the repair and re- placement of the lost or dam- aged building or Business Personal Property (as de- scribed in Green Business Personal Property Alterna- tives – Increased Cost Cov- erage Extension), in accor- dance with the documented standards of a "Green Au- thority"; subject to a maximum of 30 addi- tional days from the date the "pe- riod of restoration" would other- wise have ended. (2)This Coverage Extension is included in, and does not increase, the amount of coverage available based on the applicable Business Income and Ex- tra Expense provision shown in the Declarations. b.Green Business Personal Property Al- ternatives – Increased Cost (1)If: (a)The Declarations show that you have coverage for Business Per- sonal Property; and (b)Direct physical loss or damage by a Covered Cause of Loss occurs to covered Business Personal Property at the described prem- ises; and (c)Such loss or damage requires replacement of such property, or with respect to improvements and betterments, requires repair or replacement; you may extend that insurance to ap- ply to the reasonable additional cost you incur to replace the lost or dam- aged Business Personal Property, or with respect to improvements and betterments, to repair or replace the lost or damaged portions of such im- provements and betterments, using products or materials that: (i)Are "green" alternatives to the products or materials of the lost or damaged property, in accordance with the documented standards of a "Green Authority"; and (ii)Are otherwise of comparable quality and function to the damaged property. (2)With respect to improvements and betterments you may also extend that insurance to apply to the reasonable additional cost you incur to employ "green" methods or processes of con- struction, disposal or recycling in the course of the repair and replacement of the lost or damaged building, in accordance with the documented standards of a "Green Authority". (3)The insurance provided under this Coverage Extension applies only if replacement cost valuation applies to the lost or damaged property and then only if the property is actually repaired or replaced as soon as rea- sonably possible after the loss or damage. (4)This Coverage Extension does not apply to "stock" or property of others that is in your care, custody or con- trol. (5)The insurance provided under this Coverage Extension does not apply to Business Personal Property at any building that has been "vacant" for more than 60 consecutive days be- fore the loss or damage occurs.
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
BUSINESSOWNERS
(6)The most we will pay in any one oc- currence under this Coverage Exten- sion for the increased cost incurred with respect to the damaged property to which this Coverage Extension ap- plies is determined by: (a)Multiplying 5%; times (b)The amount we would otherwise pay for the direct physical loss of or damage to the business per- sonal property, prior to applica- tion of any applicable deductible. (7)However, the most we will pay for the additional cost incurred in any one occurrence, regardless of the number of described premises involved, is $25,000. 3.The following provision is added to the Loss Payment Loss Condition in Section E.4. : Except as specifically provided under the: a.Green Building Alternatives – Increased Cost Additional Coverage; and b.Green Building Reengineering and Re- certification Expense Additional Cover- age; and c.Green Business Personal Property Alter- natives – Increased Cost Coverage Ex- tension; the cost to repair, rebuild or replace does not include any increased cost incurred to re- attain a pre-loss level of "green" building certi- fication from a "Green Authority". 4.This endorsement does not apply to property covered under the Newly Acquired or Con- structed Property Additional Coverage. 5.With respect to the Additional Coverages and Coverage Extensions of this endorsement we will not pay for any Business Income or Extra Expense loss caused by or resulting from ob- taining "green" building certification from a "Green Authority". However, this does not apply to any increase in the "period of resto- ration" required to re-attain a pre-loss level of "green" building certification from a "Green Authority" as otherwise covered under the Green Building and Business Personal Prop- erty Alternatives – Increased Period of Resto- ration Coverage Extension. 6.Under the DEFINITIONS in Section G. the following is added to the definition of "period of restoration": "Period of restoration" does not include any increased period required to re-attain a pre- loss level of "green" building certification from a "Green Authority". But this does not apply to any increase in the "period of restoration" otherwise covered under the Green Building and Business Personal Property Alternatives – Increased Period of Restoration Coverage Extension.
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
SCHEDULE
POLICY NUMBER:BUSINESSOWNERSISSUE DATE:THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.SPOILAGE COVERAGEThis endorsement modifies insurance provided under the following:BUSINESSOWNERS PROPERTY COVERAGE SPECIAL FORM 680-A2036190-25-4208/27/2025
PremisesLocationNumberNumber
PowerAgreement Price
Description of Property
Limit ofInsuranceDeductibleRefrigerationMaintenanceCauses of Loss:Breakdown orContaminationOutageSelling Building001001ALL PERISHABLE GOODS
$5,000$250 X X
MP T9 73 02 05Copyright, The Travelers Indemnity Company, 2004Page 1 of 3 A.The BUSINESSOWNERS PROPERTY COVER- AGE SPECIAL FORM is changed as follows: 1.The following is added to Paragraph A.7.:Spoilage Coverage (1)When a Limit of Insurance is shown in the Declarations for Business Personal Prop- erty at the described premises and such described premises is shown in the schedule above, you may extend that in- surance to apply to direct physical loss of or damage to Perishable Stock caused by or resulting from a covered cause of loss described in Paragraph (3) below and not excluded in Paragraph (4) below. (2)This Coverage Extension does not apply to Perishable Stock while located: (a)On buildings; (b)In the open; or (c)In vehicles. (3)With respect to this Coverage Extension, covered cause of loss means the follow- ing only if indicated by an "X" in the schedule above: (a)Breakdown or Contamination, meaning: (i)Change in temperature or humid- ity resulting from mechanical breakdown or failure of refrigerat- ing, cooling or humidity control apparatus or equipment, only while such equipment or appara- tus is at the described premises; or (ii)Contamination by a refrigerant, only while the refrigerating appa- ratus or equipment is at the de- scribed premises shown in the schedule; or (b)Power Outage, meaning change in temperature or humidity resulting from complete or partial interruption of electrical power, either on or off the described premises, due to condi- tions beyond your control.
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
BUSINESSOWNERS
(4)The following exclusions apply to this Coverage Extension: (a)We will not pay for loss or damage caused directly or indirectly by any of the following, regardless of any other cause or event that contributes con- currently or in any sequence to the loss: (i)Manual disconnecting of any re- frigeration, cooling, heating or humidity control system from the source of electric power; (ii)Terminating of electric power due to throwing or turning off any switch or other device usual to the shutting off of electric power, on the premises shown in the schedule above; or (iii)Intentional decision of an electric utility company or other source of electric power not to provide suf- ficient power or the inability of such company or source to pro- vide sufficient power, due to lack of fuel, governmental order or lack of generating capacity to meet the demand. (b)Paragraph B.1.b. Earth Movement; (c)Paragraph B.1.c. Governmental Ac- tion; (d)Paragraph B.1.d. Nuclear Hazard; (e)Paragraph B.1.f. War and Military Ac- tion; (f)Paragraph B.1.g. Water; and (g)Paragraph B.1.h. Neglect. No other exclusions in Paragraph B. Ex- clusions apply to this Coverage Exten- sion. However, if any exclusions are added by endorsement to this Coverage Form, such exclusions will apply to this Coverage Extension. (5)Under this Coverage Extension, the fol- lowing coverages also apply: (a)Claim Mitigation Expense We will pay the reasonable expenses you incur to prevent or reduce loss or damage to the extent that such loss or damage is reduced, but such pay- ment will not increase the applicable Limit of Insurance. (b)Clean-up and Disposal We will pay your expenses to clean- up and dispose of spoiled Covered Property. Payment for Clean-up and Disposal is included within the Limit of Insurance shown in the schedule above. (6)With respect to this Coverage Extension, if Selling price is indicated by an "X" in the schedule above, the following is added to Paragraph E.4.: We will determine the value of finished Perishable Stock in the event of loss or damage at: (a)The selling price, as if no loss or damage had occurred; (b)Less discounts and expenses you otherwise would have had. (7)With respect to this Coverage Extension, Perishable Stock means personal prop- erty: (a)Maintained under controlled condi- tions for its preservation; and (b)Susceptible to loss or damage if the controlled temperature or humidity conditions change. (8)Subject to Paragraph (9) below, the most we will pay for loss or damage under this Coverage Extension in any one occur- rence is the Limit of Insurance shown in the schedule above. (9)Regardless of the amount of the Busines- sowners Property Coverage Deductible, we will not pay for loss or damage under this Coverage Extension in any one oc- currence until the amount of loss or dam- age exceeds the Deductible shown in the schedule above. We will then pay the amount of loss or damage in excess of this Deductible, up to the applicable Limit of Insurance. (10)Paragraph C.2. does not apply to this Coverage Extension. (11)Refrigeration Maintenance Agreement(a)If: (i)Breakdown or Contamination is designated by an "X" as a cov- ered cause of loss in the sched- ule above; and (ii)Refrigeration Maintenance Agreement is shown as applica- Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
BUSINESSOWNERS
MP T9 73 02 05Copyright, The Travelers Indemnity Company, 2004Page 3 of 3 ble by an "X" in the schedule above; then the following condition applies:You must maintain a Refrigeration Maintenance Agreement as de- scribed in Paragraph (b) below. If you voluntarily terminate this agreement and do not notify us, the insurance provided by this endorsement under the Breakdown or Contamination covered cause of loss will be auto- matically suspended at the described premises involved. (b)Refrigeration Maintenance Agree- ment means a written service con- tract, between you and the refrigera- tion service organization, which pro- vides for regular periodic inspection of the refrigeration equipment at the insured location, and the servicing and repair of equipment, including emergency response at the insured location.
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D BUSINESSOWNERSTHIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.LIMIT OF INSURANCE/OCCURRENCE ENDORSEMENT –CALIFORNIAThis endorsement modifies insurance provided under the following:BUSINESSOWNERS PROPERTY COVERAGE SPECIAL FORM MP T4 90 05 10© 2009 The Travelers Indemnity CompanyPage 1 of 2 A.With respect to the Additional Coverage – Em- ployee Dishonesty, Paragraph A.6.d. in the BUSINESSOWNERS PROPERTY COVERAGE SPECIAL FORM is changed as follows: 1.Paragraph (1) is replaced by the following: (1)We will pay for loss of or damage to Business Personal Property resulting di- rectly from "employee dishonesty". We will pay only for loss or damage you sustain through acts committed or events occurring, and whether or not sustained only during the period of this policy. Re- gardless of the number of years this pol- icy, or any other policy we issued to you, has been in force, and how many premi- ums were paid, you are not entitled to a separate limit of insurance under each policy or renewal, or for each period for which premiums were paid, or to recovery up to the sum of the limits of insurance of such policies or renewals. 2.Paragraph (7) is replaced by the following: (7)With respect to this Additional Coverage, occurrence means all loss or losses caused by or involving any "employee", acting alone or in collusion with other persons, or any group of "employees" acting together, even if in collusion with other persons, whether the result of a single act or multiple acts and whether or not sustained only during the period of this policy. All acts by one "employee" acting alone or in collusion with other persons, or by any group of "employees" acting together, and whenever performed, can give rise to only one occurrence. 3.Paragraph (8) and (9) are replaced by the fol- lowing: (8)If you discover a loss during the period of this policy which you, or your predecessor in interest, sustained during the periods of any prior policy or policies and you, or the predecessor in interest, could have re- covered all or part of the loss under the prior policy or policies except that the time within which to discover loss re- quired by the prior policy or policies had expired, we will pay for the loss under this policy, provided, however, that: (a)This policy would have covered the loss had this policy been in force at the time the loss was sustained; and (b)There was no period of time from the commencement of the first such prior policy to the date the loss was dis- covered when you, or your predeces- sor in interest, did not have in force insurance to cover that type of loss. (9)The insurance under Paragraph (8) is part of, not in addition to the Limit of In- surance described in Paragraph (6) above and is limited to the lesser of the amount recoverable under: (a)This Additional Coverage, as of its ef- fective date; or (b)The prior insurance had it remained in effect. 4.The following provision is added: Loss Covered Under This Insurance And Prior Insurance Issued By Us Or Any Af- filiate If an occurrence takes place partly within the period of this policy, any Limit of Insurance applicable to such occurrence under this pol- icy shall be reduced by any amount recover- able with respect to such occurrence under any prior policy issued by us, or by any affili- ate of ours, to you, or to any affiliate of yours. The most we will pay under any circum- stances is the Limit of Insurance under this policy, or the Limit of Insurance under such prior policy, whichever is larger. B.With respect to the Additional Coverage – For- gery or Alteration, Paragraph A.6.i. in the BUSINESSOWNERS PROPERTY COVERAGE SPECIAL FORM is changed as follows:
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
BUSINESSOWNERS
1.Paragraph (1) is replaced by the following: (1)We will pay for loss resulting directly from "forgery" or alteration of checks, drafts, promissory notes, or similar written prom- ises, orders or directions to pay a sum certain in "money" that are made or drawn by or drawn upon you, or made or drawn by one acting as an agent or pur- ported to have been so made or drawn. We will consider signatures that are pro- duced or reproduced electronically, me- chanically or by other means the same as handwritten signatures. We will pay only for loss or damage you sustain through acts committed or events occurring, and whether or not sustained only during the period of this policy. Re- gardless of the number of years this pol- icy, or any other policy we issued to you, has been in force, and how many premi- ums were paid, you are not entitled to a separate limit of insurance under each policy or renewal, or for each period for which premiums were paid, or to recovery up to the sum of the limits of insurance of such policies or renewals. 2.Paragraph (6) and (7) are replaced by the fol- lowing: (6)If you discover a loss during the period of this policy which you, or your predecessor in interest, sustained during the periods of any prior policy or policies and you, or the predecessor in interest, could have re- covered all or part of the loss under the prior policy or policies except that the time within which to discover loss re- quired by the prior policy or policies had expired, we will pay for the loss under this policy, provided, however, that: (a)This policy would have covered the loss had this policy been in force at the time the loss was sustained; and (b)There was no period of time from the commencement of the first such prior policy to the date the loss was dis- covered when you, or your predeces- sor in interest, did not have in force insurance to cover that type of loss. (7)The insurance under Paragraph (6) is part of, not in addition to the Limit of In- surance described in Paragraph (4) above and is limited to the lesser of the amount recoverable under:
(a)This Additional Coverage, as of its ef- fective date; or (b)The prior insurance had it remained in effect. 3.The following provision is added: Loss Covered Under This Insurance And Prior Insurance Issued By Us Or Any Af- filiate If an occurrence takes place partly within the period of this policy, any Limit of Insurance applicable to such occurrence under this pol- icy shall be reduced by any amount recover- able with respect to such occurrence under any prior policy issued by us, or by any affili- ate of ours, to you, or to any affiliate of yours. The most we will pay under any circum- stances is the Limit of Insurance under this policy, or the Limit of Insurance under such prior policy, whichever is larger. C.Paragraph G.9. under PROPERTY DEFINTIONS is replaced with the following: 9."Employee" a.Means: (1)Any natural person: (a)While in your service (and for 30 days after termination of service); (b)Whom you compensate directly by salary, wages or commissions; and (c)Whom you have the right to direct and control while performing ser- vices for you; (2)Any natural person employed by an employment contractor while that person is subject to your direction and control and performing services for you excluding, however, any such person while having care and custody of property outside the premises; or (3)Your directors or trustees while acting as a member of any of your elected or appointed committees to perform on your behalf specific, as distin- guished from general, directorial acts; and b.Does not mean any agent, broker, person leased to you by a labor leasing firm, fac- tor, commission merchant, consignee, in- dependent contractor or representative of the same general character.
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.CALIFORNIA CHANGESThis endorsement modifies insurance provided under the following:BUSINESSOWNERS PROPERTY COVERAGE SPECIAL FORM
BUSINESSOWNERS
MP T5 08 02 20© 2019 The Travelers Indemnity Company. All rights reserved.Page 1 of 2Includes copyrighted material of Insurance Services Office, Inc. with its permission.
A.The BUSINESSOWNERS PROPERTY COVERAGE SPECIAL FORM is changed as follows:1.With respects to an “open policy”, the following is added to any provision which uses the term actual cash value: a.In the event of a partial or total loss to a building or structure, actual cash value is calculated as a.(1) or a.(2), whichever is less:(1)The amount it would cost to repair, rebuild or replace the property less a fair and reasonable deduction for physical depreciation of the components of the building or structure that are normally subject to repair or replacement during its useful life. Physical depreciation is based upon the condition of the property at the time of the loss; or(2)The Limit of Insurance applicable to the property.b.In the event of a partial or total loss to Covered Property other than a building or structure, actual cash value is calculated as b.(1) or b.(2), whichever is less:(1)The amount it would cost to repair or replace the property less a fair and reasonable deduction for physical depreciation, based on the condition of the property at the time of loss; or(2)The Limit of Insurance applicable to the property. c.An “open policy” is a policy under which the value of Covered Property is not fixed at policy inception, but is determined at the time of loss in accordance with policy provisions on valuation. The term “open policy” does not apply to Covered Property that is subject to an Agreed Value clause or similar clause that establishes an agreed value prior to loss, unless such clause has expired.
2.Paragraph E.4.e.(1)(b) under Loss Payment – Building and Personal Property is replaced by the following: (b)We will not pay on a replacement cost basis for any loss or damage until the lost or damaged property is actually repaired or replaced. Prior to such repair or replacement, we will pay the actual cash value of the lost or damaged property as described in Paragraph A.1. of this endorsement. If actual cash value does not exhaust the applicable limit of insurance, we will then pay the difference between the actual cash value and the replacement cost, provided that the repair or replacement is completed: (i)Within 12 months after we pay the actual cash value; or(ii)Within 36 months after we pay the actual cash value if the loss or damage relates to a state of emergency under California Law.The following provision applies to real property which is used predominantly for residential purposes and consisting of not more than four dwelling units, and to coverage on tenants’ household personal property in a residential unit:If you, acting in good faith and with reasonable diligence, encounter a delay or delays in approval for, or reconstruction of, the residence that are beyond your control, we shall provide one or more additional extensions of six months for good cause. Circumstances beyond your control include, but are not limited to: a.Unavoidable construction permit delays;b.The lack of necessary construction materials; orc.The unavailability of contractors to perform the necessary work.
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
BUSINESSOWNERSBUSINESSOWNERS
Nothing in this Paragraph (b) constitutes a waiver of our right to deny the claim for any valid reason or to restrict payment in cases of suspected fraud.3.Paragraph E.4.e.(7) under Loss Payment – Building and Personal Property is replaced by the following:(7)Tenants’ Improvements and Betterments at: (a)Replacement cost in accordance with the terms set forth in Paragraph (1)(b) above.(b)A proportion of your original cost if the property is not repaired or replaced. We will determine the proportionate value as follows:
(i)Multiply the original cost by the number of days from the loss or damage to the expiration of the lease; and(ii)Divide the amount determined in (i) above by the number of days from the installation of improvements to the expiration of the lease. If your lease contains a renewal option, the expiration of the renewal option period will replace the expiration of the lease in this procedure. (c)Nothing if others pay for repairs or replacement.
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
GENERAL LIABILITY
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
GENERAL LIABILITY
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
PREMIUMBASE/ADVANCECLASS DESCRIPTION/CODE NUMBERRATESPREMIUMEXPOSURE DECLARATIONS PREMIUM SCHEDULEIssue Date:Policy Number:
STATE ZIP
This Schedule applies to the Declarations for the period of 10/11/2025 to 10/11/2026. It shows all of your known rating classes as of the effective date. Any exceptions will be so noted. This includes all locations you own, rent or occupy. 08/27/2025680-A2036190-25-42
CA94501Liquor Liab - Subject to Premium Audits21,0008.653181 *Subject to Audit
Premium Base Legend:How Rates ApplyPremium BaseHow Rates ApplyPremium Basea = areaper 1000 sq. feets = gross salesper $1000 of gross salesper $1000 of total costu = unitsper unitc = coste = employeesper employeet = This premium base is reservedper 1000 of admissionsfor unusual applications. Basem = admissionsp = payrollper $1000 of payrolland how rates apply are shownr = receiptsper $1000 of receiptsabove.CG T0 07 04 09 Pageof11 Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
KEY TO DECLARATIONS PREMIUM SCHEDULE
ABBREVIATIONS:
PREMIUM BASE:Key LetterPremium BaseHow Rates Applyper 1,000 square feetper $1,000 of total costper 1,000 admissionsper $1,000 of payrollper $1,000 of gross sales(see note * below)per unit acmpstu
AreaTotal CostAdmissionsPayrollGross Sales(see note * below)Units CG T0 08 07 86
*Premium base t is used for a number of rarely used premium bases.The specific base and how rates apply are shown with the Class Descriptionon the DECLARATIONS-PREMIUM SCHEDULE. – LOC/BLDG NO. – means LOCATION/BUILDING NUMBER– CLASS DESCRIP – means CLASS DESCRIPTION – OPN NO. – means OPERATION NUMBER – PREM/OPS – means PREMISES/OPERATIONS – PROD/C-OPS – means PRODUCTS/COMPLETED OPERATIONS Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D 1 66991011131331131415161616161616
COMMERCIAL GENERAL LIABILITY COVERAGE FORMTABLE OF CONTENTS SECTION I – COVERAGES
Bodily Injury and PropertyInsuring Agreement .......................................................Damage LiabilityCoverage B – Coverage A –
Beginning on PageCG T1 00 02 19
Personal and AdvertisingInsuring Agreement .......................................................Injury LiabilityExclusions .....................................................................Coverage C –Medical PaymentsInsuring Agreement .......................................................Exclusions ....................................................................Supplementary Payments ...................................................................................................SECTION III – LIMITS OF INSURANCE ...................................................................................SECTION II – WHO IS AN INSURED .......................................................................................SECTION IV – COMMERCIAL GENERAL LIABILITY CONDITIONS ........................................Bankruptcy .........................................................................................................................Duties In The Event Of Occurrence, Offense, Claim Or Suit ...............................................Legal Action Against Us ......................................................................................................Other lnsurance .................................................................................................................Premium Audit ...................................................................................................................Representations .................................................................................................................Separation Of Insureds ......................................................................................................Transfer Of Rights Of Recovery Against Others To Us .......................................................When We Do Not Renew ...................................................................................................SECTION V – DEFINITIONS ....................................................................................................
CG T0 34 02 19
Exclusions .................................................................... 2 Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
COMMERCIAL GENERAL LIABILITY COVERAGE FORM
CG T1 00 02 19© 2017 The Travelers Indemnity Company. All rights reserved.Includes copyrighted material of Insurance Services Office, Inc. with its permission.Page 1 of 21
COMMERCIAL GENERAL LIABILITY
Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered.Throughout this policy the words "you" and "your" refer to the Named Insured shown in the Declarations, and any other person or organization qualifying as a Named Insured under this policy. The words "we", "us" and "our" refer to the company providing this insurance.The word "insured" means any person or organization qualifying as such under Section II – Who Is An Insured.Other words and phrases that appear in quotation marks have special meaning. Refer to Section V – Definitions.SECTION I – COVERAGESCOVERAGE A – BODILY INJURY AND PROPERTY DAMAGE LIABILITY1.Insuring Agreementa.We will pay those sums that the insured becomes legally obligated to pay as damages because of "bodily injury" or "property damage" to which this insurance applies. We will have the right and duty to defend the insured against any "suit" seeking those damages. However, we will have no duty to defend the insured against any "suit" seeking damages for "bodily injury" or "property damage" to which this insurance does not apply. We may, at our discretion, investigate any "occurrence" and settle any claim or "suit" that may result. But:(1)The amount we will pay for damages is limited as described in Section III – Limits Of Insurance; and (2)Our right and duty to defend end when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C.No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Payments.b.This insurance applies to "bodily injury" and "property damage" only if:
(1)The "bodily injury" or "property damage" is caused by an "occurrence" that takes place in the "coverage territory"; (2)The "bodily injury" or "property damage" occurs during the policy period; and (3)Prior to the policy period, no insured listed under Paragraph 1. of Section II – Who Is An Insured and no "employee" authorized by you to give or receive notice of an "occurrence" or claim knew that the "bodily injury" or "property damage" had occurred, in whole or in part. If such a listed insured or authorized "employee" knew, prior to the policy period, that the "bodily injury" or "property damage" occurred, then any continuation, change or resumption of such "bodily injury" or "property damage" during or after the policy period will be deemed to have been known prior to the policy period.c."Bodily injury" or "property damage" which occurs during the policy period and was not, prior to the policy period, known to have occurred by any insured listed under Paragraph 1. of Section II – Who Is An Insured or any "employee" authorized by you to give or receive notice of an "occurrence" or claim, includes any continuation, change or resumption of that "bodily injury" or "property damage" after the end of the policy period.d."Bodily injury" or "property damage" will be deemed to have been known to have occurred at the earliest time when any insured listed under Paragraph 1. of Section II – Who Is An Insured or any "employee" authorized by you to give or receive notice of an "occurrence" or claim:(1)Reports all, or any part, of the "bodily injury" or "property damage" to us or any other insurer;(2)Receives a written or verbal demand or claim for damages because of the "bodily injury" or "property damage"; or(3)Becomes aware by any other means that "bodily injury" or "property damage" has occurred or has begun to occur.
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
COMMERCIAL GENERAL LIABILITY
e.Damages because of "bodily injury" include damages claimed by any person or organization for care, loss of services or death resulting at any time from the "bodily injury". 2.Exclusions This insurance does not apply to: a.Expected Or Intended Injury "Bodily injury" or "property damage" expected or intended from the standpoint of the insured. This exclusion does not apply to "bodily injury" or "property damage" resulting from the use of reasonable force to protect persons or property. b.Contractual Liability "Bodily injury" or "property damage" for which the insured is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages: (1)That the insured would have in the absence of the contract or agreement; or (2)Assumed in a contract or agreement that is an "insured contract", provided that the "bodily injury" or "property damage" occurs subsequent to the execution of the contract or agreement. Solely for the purposes of liability assumed in an "insured contract", reasonable attorneys' fees and necessary litigation expenses incurred by or for a party other than an insured will be deemed to be damages because of "bodily injury" or "property damage", provided that: (a)Liability to such party for, or for thecost of, that party's defense has also been assumed in the same "insured contract"; and (b)Such attorneys' fees and litigation expenses are for defense of that party against a civil or alternative dispute resolution proceeding in whichdamages to which this insurance applies are alleged. c.Liquor Liability "Bodily injury" or "property damage" for which any insured may be held liable by reason of: (1)Causing or contributing to the intoxicationof any person; (2)The furnishing of alcoholic beverages to a person under the legal drinking age orunder the influence of alcohol; or (3)Any statute, ordinance or regulation relating to the sale, gift, distribution or use of alcoholic beverages. This exclusion applies only if you are in the business of manufacturing, distributing, selling, serving or furnishing alcoholic beverages. For the purposes of this exclusion, permitting a person to bring alcoholic beverages on your premises, for consumption on your premises, whether or not a fee is charged or a license is required for such activity, is not by itself considered the business of selling, serving or furnishing alcoholic beverages. d.Workers' Compensation And Similar Laws Any obligation of the insured under a workers' compensation, disability benefits or unemployment compensation law or any similar law. e.Employer's Liability "Bodily injury" to: (1)An "employee" of the insured arising out of and in the course of: (a)Employment by the insured; or (b)Performing duties related to the conduct of the insured's business; or (2)The spouse, child, parent, brother or sister of that "employee" as a consequence of Paragraph (1) above. This exclusion applies whether the insured may be liable as an employer or in any other capacity and to any obligation to share damages with or repay someone else who must pay damages because of the injury. This exclusion does not apply to liability assumed by the insured under an "insured contract". f.Pollution (1)"Bodily injury" or "property damage" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of "pollutants": (a)At or from any premises, site orlocation which is or was at any time owned or occupied by, or rented or loaned to, any insured. However, this subparagraph does not apply to: (i)"Bodily injury" if sustained within a building and caused by smoke, fumes, vapor or soot produced byor originating from equipment that Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
COMMERCIAL GENERAL LIABILITY
CG T1 00 02 19© 2017 The Travelers Indemnity Company. All rights reserved.Includes copyrighted material of Insurance Services Office, Inc. with its permission.Page 3 of 21 is used to heat, cool or dehumidify the building, or produced by or originating from equipment that isused to heat water for personaluse by the building's occupants ortheir guests; (ii)"Bodily injury" or "property damage" for which you may be held liable, if you are a contractor and the owner or lessee of such premises, site or location has been added to your policy as anadditional insured with respect toyour ongoing operations performedfor that additional insured at that premises, site or location and such premises, site or location is notand never was owned or occupied by, or rented or loaned to, anyinsured, other than that additional insured; or (iii)"Bodily injury" or "propertydamage" arising out of heat,smoke or fumes from a "hostilefire"; (b)At or from any premises, site or location which is or was at any time used by or for any insured or others for the handling, storage, disposal, processing or treatment of waste; (c)If such "pollutants" are or were at any time transported, handled, stored, treated, disposed of, or processed as waste by or for: (i)Any insured; or (ii)Any person or organization for whom you may be legally responsible; (d)At or from any premises, site orlocation on which any insured or any contractors or subcontractors working directly or indirectly on any insured's behalf are performing operations if the "pollutants" are brought on or to the premises, site or location in connection with such operations by such insured, contractor or subcontractor. However, this subparagraph does not apply to: (i)"Bodily injury" or "propertydamage" arising out of the escape of fuels, lubricants or other operating fluids which are needed to perform the normal electrical, hydraulic or mechanical functions necessary for the operation of "mobile equipment" or its parts, if such fuels, lubricants or other operating fluids escape from a vehicle part designed to hold, store or receive them. This exception does not apply if the "bodily injury" or "property damage" arises out of the intentional discharge, dispersal or release of the fuels, lubricantsor other operating fluids, or if such fuels, lubricants or other operating fluids are brought on or to the premises, site or location with the intent that they be discharged, dispersed or released as part ofthe operations being performed by such insured, contractor or subcontractor; (ii)"Bodily injury" or "propertydamage" sustained within abuilding and caused by the release of gases, fumes or vapors from materials brought into that building in connection with operations being performed by you or on your behalf by a contractor or subcontractor; or(iii)"Bodily injury" or "property damage" arising out of heat,smoke or fumes from a "hostile fire"; or (e)At or from any premises, site orlocation on which any insured or any contractors or subcontractors working directly or indirectly on any insured's behalf are or were at any time performing operations to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of, "pollutants". (2)Any loss, cost or expense arising out ofany: (a)Request, demand, order or statutory or regulatory requirement that any insured or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of, "pollutants"; or Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
COMMERCIAL GENERAL LIABILITY
(b)Claim or suit by or on behalf of any governmental authority or any other person or organization because oftesting for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralizing, or in anyway responding to, or assessing the effects of, "pollutants". g.Aircraft, Auto Or Watercraft "Bodily injury" or "property damage" arising outof the ownership, maintenance, use or entrustment to others of any aircraft, "auto" or watercraft owned or operated by or rented or loaned to any insured. Use includes operation and "loading or unloading". This exclusion applies even if the claimsagainst any insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that insured, if the "occurrence" which causedthe "bodily injury" or "property damage" involvedthe ownership, maintenance, use orentrustment to others of any aircraft, "auto" or watercraft that is owned or operated by orrented or loaned to any insured. This exclusion does not apply to: (1)A watercraft while ashore on premises you own or rent; (2)A watercraft you do not own that is: (a)50 feet long or less; and (b)Not being used to carry any person or property for a charge; (3)Parking an "auto" on, or on the ways next to, premises you own or rent, provided the "auto" is not owned by or rented or loanedto you or the insured; (4)Liability assumed under any "insured contract" for the ownership, maintenance or use of aircraft or watercraft; (5)"Bodily injury" or "property damage" arising out of: (a)The operation of machinery orequipment that is attached to, or partof, a land vehicle that would qualify as "mobile equipment" under the definition of "mobile equipment" if such land vehicle were not subject to acompulsory or financial responsibilitylaw, or other motor vehicle insurance law, where it is licensed or principally garaged; or (b)The operation of any of the machinery or equipment listed in Paragraph f.(2) or f.(3) of the definition of "mobile equipment"; or (6)An aircraft that is: (a)Chartered with a pilot to any insured; (b)Not owned by any insured; and (c)Not being used to carry any person or property for a charge. h.Mobile Equipment "Bodily injury" or "property damage" arising out of: (1)The transportation of "mobile equipment" by an "auto" owned or operated by or rented or loaned to any insured; or (2)The use of "mobile equipment" in, or while in practice for, or while being prepared for, any prearranged racing, speed, demolition, or stunting activityi.War "Bodily injury" or "property damage" arising out of: (1)War, including undeclared or civil war; (2)Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or (3)Insurrection, rebellion, revolution, usurped power, or action taken by governmental authority in hindering or defending against any of these. j.Damage To Property "Property damage" to: (1)Property you own, rent, or occupy, including any costs or expenses incurredby you, or any other person, organization or entity, for repair, replacement, enhancement, restoration or maintenance of such property for any reason, including prevention of injury to a person or damage to another's property; (2)Premises you sell, give away or abandon, if the "property damage" arises out of any part of those premises; (3)Property loaned to you; (4)Personal property in the care, custody or control of the insured; Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
COMMERCIAL GENERAL LIABILITY
CG T1 00 02 19© 2017 The Travelers Indemnity Company. All rights reserved.Includes copyrighted material of Insurance Services Office, Inc. with its permission.Page 5 of 21 (5)That particular part of real property onwhich you or any contractors or subcontractors working directly or indirectly on your behalf are performing operations, if the "property damage" arises out of those operations; or (6)That particular part of any property that must be restored, repaired or replaced because "your work" was incorrectly performed on it. Paragraphs (1), (3) and (4) of this exclusion do not apply to "premises damage". A separate limit of insurance applies to "premises damage" as described in Paragraph 6. of Section III – Limits Of Insurance. Paragraph (2) of this exclusion does not apply if the premises are "your work" and were never occupied, rented or held for rental by you. Paragraphs (3), (4), (5) and (6) of thisexclusion do not apply to liability assumedunder a sidetrack agreement. Paragraph (6) of this exclusion does not applyto "property damage" included in the "products- completed operations hazard". k.Damage To Your Product "Property damage" to "your product" arising out of it or any part of it. l.Damage To Your Work "Property damage" to "your work" arising out of it or any part of it and included in the "products- completed operations hazard". This exclusion does not apply if the damaged work or the work out of which the damage arises was performed on your behalf by a subcontractor. m.Damage To Impaired Property Or Property Not Physically Injured "Property damage" to "impaired property" or property that has not been physically injured, arising out of: (1)A defect, deficiency, inadequacy or dangerous condition in "your product" or "your work"; or (2)A delay or failure by you or anyone acting on your behalf to perform a contract or agreement in accordance with its terms. This exclusion does not apply to the loss of use of other property arising out of sudden and accidental physical injury to "your product" or "your work" after it has been put to its intended use. n.Recall Of Products, Work Or Impaired Property Damages claimed for any loss, cost or expense incurred by you or others for the loss of use, withdrawal, recall, inspection, repair, replacement, adjustment, removal or disposal of: (1)"Your product"; (2)"Your work"; or (3)"Impaired property"; if such product, work, or property is withdrawn or recalled from the market or from use by any person or organization because of a known or suspected defect, deficiency, inadequacy or dangerous condition in it. o.Personal And Advertising Injury "Bodily injury" arising out of "personal and advertising injury". p.Electronic Data Damages arising out of the loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate "electronic data". However, this exclusion does not apply to liability for damages because of "bodily injury". q.Unsolicited Communication "Bodily injury" or "property damage" arising out of any actual or alleged violation of any law that restricts or prohibits the sending, transmittingor distributing of "unsolicited communication". r.Access Or Disclosure Of Confidential Or Personal Information "Bodily injury" or "property damage" arising out of any access to or disclosure of any person's or organization's confidential or personal information. s.Asbestos (1)"Bodily injury" or "property damage" arising out of the actual or alleged presence or actual, alleged or threatened dispersal of asbestos, asbestos fibers or products containing asbestos, provided that the "bodily injury" or "property damage" is caused or contributed to by the hazardous properties of asbestos.
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
COMMERCIAL GENERAL LIABILITY
(2)"Bodily injury" or "property damage" arising out of the actual or alleged presence or actual, alleged or threatened dispersal of any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapors, soot, fumes, acids, alkalis, chemicals and waste, and that are part of any claim or "suit" which also alleges any "bodily injury" or "property damage" described in Paragraph (1) above. (3)Any loss, cost or expense arising out of any: (a)Request, demand, order or statutory or regulatory requirement that any insured or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of, asbestos, asbestos fibers or products containing asbestos; or (b)Claim or suit by or on behalf of any governmental authority or any other person or organization because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralizing, or in any way responding to, or assessing the effects of, asbestos, asbestos fibers or products containing asbestos. t.Employment-Related Practices "Bodily injury" to: (1)A person arising out of any: (a)Refusal to employ that person; (b)Termination of that person's employment; or (c)Employment-related practice, policy, act or omission, such as coercion, demotion, evaluation, reassignment, discipline, failure to promote or advance, harassment, humiliation, discrimination, libel, slander, violationof the person's right of privacy, malicious prosecution or false arrest, detention or imprisonment applied to or directed at that person, regardless of whether such practice, policy, act or omission occurs, is applied or is committed before, during or after the time of that person's employment; or (2)The spouse, child, parent, brother or sister of that person as a consequence of "bodily injury" to that person at whom any of the employment-related practices described in Paragraph (a), (b),or (c) above is directed. This exclusion applies whether the insured may be liable as an employer or in any other capacity and to any obligation to share damages with or repay someone else who must pay damages because of the "bodily injury". Exclusions c. through n. do not apply to "premises damage". A separate limit of insurance applies to "premises damage" as described in Paragraph 6. of Section III – Limits Of Insurance. COVERAGE B – PERSONAL AND ADVERTISINGINJURY LIABILITY 1.Insuring Agreement a.We will pay those sums that the insuredbecomes legally obligated to pay as damages because of "personal and advertising injury" to which this insurance applies. We will have the right and duty to defend the insured against any "suit" seeking those damages. However, we will have no duty to defend the insured against any "suit" seeking damages for "personal and advertising injury" to which this insurance does not apply. We may, at our discretion,investigate any offense and settle any claim or "suit" that may result. But: (1)The amount we will pay for damages is limited as described in Section III – LimitsOf Insurance; and (2)Our right and duty to defend end when we have used up the applicable limit ofinsurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Payments. b.This insurance applies to "personal and advertising injury" caused by an offense arising out of your business but only if the offense was committed in the "coverage territory" during the policy period. 2.Exclusions This insurance does not apply to: a.Knowing Violation Of Rights Of Another"Personal and advertising injury" caused by orat the direction of the insured with theknowledge that the act would violate the rightsof another and would inflict "personal and advertising injury".
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
COMMERCIAL GENERAL LIABILITY
CG T1 00 02 19© 2017 The Travelers Indemnity Company. All rights reserved.Includes copyrighted material of Insurance Services Office, Inc. with its permission.Page 7 of 21 This exclusion does not apply to "personal injury" caused by malicious prosecution. b.Material Published With Knowledge Of Falsity "Personal and advertising injury" arising out of oral or written publication, including publication by electronic means, of material, if done by or at the direction of the insured with knowledge ofits falsity. c.Material Published Or Used Prior To Policy Period (1)"Personal and advertising injury" arising out of oral or written publication, including publication by electronic means, of material whose first publication took place beforethe beginning of the policy period; or (2)"Advertising injury" arising out ofinfringement of copyright, "title" or "slogan"in your "advertisement" whose first infringement in your "advertisement" was committed before the beginning of thepolicy period. d.Criminal Acts "Personal and advertising injury" arising out of a criminal act committed by or at the direction of the insured. e.Contractual Liability "Personal and advertising injury" for which the insured has assumed liability in a contract or agreement. This exclusion does not apply to liability for damages: (1)That the insured would have in the absence of the contract or agreement; or (2)Because of "personal injury" assumed byyou in a contract or agreement that is an "insured contract", provided that the "personal injury" is caused by an offense committed subsequent to the execution of the contract or agreement. Solely for the purposes of liability assumed by you in an "insured contract", reasonable attorneys'fees and necessary litigation expenses incurred by or for a party other than an insured will be deemed to be damages because of "personal injury", provided that:(a)Liability to such party for, or for thecost of, that party's defense has also been assumed by you in the same "insured contract"; and (b)Such attorneys' fees and litigation expenses are for defense of that party against a civil or alternative dispute resolution proceeding in which damages to which this insurance applies are alleged. f.Breach Of Contract "Advertising injury" arising out of a breach of contract. g.Quality Or Performance Of Goods - FailureTo Conform To Statements "Advertising injury" arising out of the failure of goods, products or services to conform with any statement of quality or performance made in your "advertisement". h.Wrong Description Of Prices "Advertising injury" arising out of the wrong description of the price of goods, products or services stated in your "advertisement". i.Intellectual Property "Personal and advertising injury" arising out of any actual or alleged infringement or violation of any of the following rights or laws, or any other "personal and advertising injury" alleged in any claim or "suit" that also alleges any such infringement or violation: (1)Copyright; (2)Patent; (3)Trade dress; (4)Trade name; (5)Trademark; (6)Trade secret; or (7)Other intellectual property rights or laws.This exclusion does not apply to: (1)"Advertising injury" arising out of any actual or alleged infringement or violation of another's copyright, "title" or "slogan" in your "advertisement"; or (2)Any other "personal and advertising injury" alleged in any claim or "suit" that also alleges any such infringement or violation of another's copyright, "title" or "slogan" in your "advertisement". j.Insureds In Media And Internet TypeBusinesses "Personal and advertising injury" caused by an offense committed by an insured whose business is: (1)Advertising, "broadcasting" or publishing; Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
COMMERCIAL GENERAL LIABILITY
(2)Designing or determining content ofwebsites for others; or (3)An Internet search, access, content or service provider. However, this exclusion does not apply to Paragraphs a.(1), (2) and (3) of the definition of "personal injury". For the purposes of this exclusion: (1)Creating and producing correspondence written in the conduct of your business, bulletins, financial or annual reports, or newsletters about your goods, products or services will not be considered thebusiness of publishing; and (2)The placing of frames, borders or links, or advertising, for you or others anywhere on the Internet will not, by itself, be considered the business of advertising, "broadcasting"or publishing. k.Electronic Chatrooms Or Bulletin Boards"Personal and advertising injury" arising out ofan electronic chatroom or bulletin board the insured hosts or owns, or over which theinsured exercises control. l.Unauthorized Use Of Another's Name OrProduct "Personal and advertising injury" arising out of the unauthorized use of another's name or product in your e-mail address, domain name or metatag, or any other similar tactics to mislead another's potential customers. m.Pollution "Personal and advertising injury" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release orescape of "pollutants" at any time. n.Pollution-Related Any loss, cost or expense arising out of any: (1)Request, demand, order or statutory or regulatory requirement that any insured or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or inany way respond to, or assess the effectsof, "pollutants"; or (2)Claim or suit by or on behalf of any governmental authority or any other personor organization because of testing for, monitoring, cleaning up, removing,containing, treating, detoxifying or neutralizing, or in any way responding to,or assessing the effects of, "pollutants". o.War "Personal and advertising injury" arising out of:(1)War, including undeclared or civil war; (2)Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or (3)Insurrection, rebellion, revolution, usurped power, or action taken by governmental authority in hindering or defending against any of these. p.Unsolicited Communication "Personal and advertising injury" arising out of any actual or alleged violation of any law that restricts or prohibits the sending, transmittingor distributing of "unsolicited communication". q.Access Or Disclosure Of Confidenital Or Personal Information "Personal and advertising injury" arising out of any access to or disclosure of any person's or organization's confidential or personal information. r.Asbestos (1)"Personal and advertising injury" arising out of the actual or alleged presence or actual, alleged or threatened dispersal of asbestos, asbestos fibers or products containing asbestos, provided that the "personal and advertising injury" is caused or contributed to by the hazardous properties of asbestos. (2)"Personal and advertising injury" arising out of the actual or alleged presence or actual, alleged or threatened dispersal of any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapors, soot, fumes, acids, alkalis, chemicals and waste, and that are part of any claim or "suit" which also alleges any "personal and advertising injury" described in Paragraph (1) above. (3)Any loss, cost or expense arising out of any: (a)Request, demand, order or statutory or regulatory requirement that any insured or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
COMMERCIAL GENERAL LIABILITY
CG T1 00 02 19Includes copyrighted material of Insurance Services Office, Inc. with its permission.Page 9 of 21© 2017 The Travelers Indemnity Company. All rights reserved. assess the effects of, asbestos, asbestos fibers or products containing asbestos; or (b)Claim or suit by or on behalf of any governmental authority or any other person or organization because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralizing, or in any way responding to, or assessing the effects of, asbestos, asbestos fibers or products containing asbestos. s.Employment-Related Practices "Personal injury" to: (1)A person arising out of any: (a)Refusal to employ that person; (b)Termination of that person's employment; or (c)Employment-related practice, policy,act or omission, such as coercion, demotion, evaluation, reassignment, discipline, failure to promote oradvance, harassment, humiliation, discrimination, libel, slander, violationof the person's right of privacy, malicious prosecution or false arrest, detention or imprisonment applied to or directed at that person, regardless of whether such practice, policy, act or omission occurs, is applied or is committed before, during or after the time of that person's employment; or (2)The spouse, child, parent, brother or sister of that person as a consequence of "personal injury" to that person at whom any of the employment-related practices described in Paragraph (a), (b), or (c) above is directed. This exclusion applies whether the insured may be liable as an employer or in any other capacity and to any obligation to share damages with or repay someone else who must pay damages because of the "personal injury". COVERAGE C – MEDICAL PAYMENTS 1.Insuring Agreement a.We will pay medical expenses as described below for "bodily injury" caused by an accident: (1)On premises you own or rent; (2)On ways next to premises you own or rent; or (3)Because of your operations; provided that: (a)The accident takes place in the "coverage territory" and during the policy period; (b)The expenses are incurred and reported to us within one year of the date of the accident; and (c)The injured person submits to examination, at our expense, by physicians of our choice as often as we reasonably require. b.We will make these payments regardless of fault. These payments will not exceed the applicable limit of insurance. We will pay reasonable expenses for: (1)First aid administered at the time of an accident; (2)Necessary medical, surgical, X-ray and dental services, including prostheticdevices; and (3)Necessary ambulance, hospital, professional nursing and funeral services. 2.Exclusions We will not pay expenses for "bodily injury": a.Any Insured To any insured, except "volunteer workers". b.Hired Person To a person hired to do work for or on behalf of any insured or a tenant of any insured. c.Injury On Normally Occupied Premises To a person injured on that part of premisesyou own or rent that the person normally occupies. d.Workers' Compensation And Similar LawsTo a person, whether or not an "employee" of any insured, if benefits for the "bodily injury" are payable or must be provided under a workers' compensation or disability benefits law or a similar law. e.Athletics Activities To a person injured while practicing, instructing or participating in any physical exercises or games, sports, or athletic contests. f.Products-Completed Operations Hazard Included within the "products-completed operations hazard". g.Coverage A Exclusions Excluded under Coverage A.
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
COMMERCIAL GENERAL LIABILITY
SUPPLEMENTARY PAYMENTS 1.We will pay, with respect to any claim weinvestigate or settle, or any "suit" against an insured we defend: a.All expenses we incur. b.Up to $2,500 for the cost of bail bonds required because of accidents or traffic law violations arising out of the use of any vehicle to whichthe Bodily Injury Liability Coverage applies. We do not have to furnish these bonds. c.The cost of bonds to release attachments, but only for bond amounts within the applicable limit of insurance. We do not have to furnish these bonds. d.All reasonable expenses incurred by theinsured at our request to assist us in the investigation or defense of the claim or "suit", including actual loss of earnings up to $500 a day because of time off from work. e.All court costs taxed against the insured in the "suit". However, these payments do not include attorneys' fees or attorneys' expenses taxed against the insured. f.Prejudgment interest awarded against the insured on that part of the judgment we pay. If we make an offer to pay the applicable limit of insurance, we will not pay any prejudgment interest based on that period of time after the offer. g.All interest on the full amount of any judgment that accrues after entry of the judgment and before we have paid, offered to pay, or deposited in court the part of the judgment that is within the applicable limit of insurance. These payments will not reduce the limits of insurance. 2.If we defend an insured against a "suit" and an indemnitee of the insured is also named as a party to the "suit", we will defend that indemnitee if all of the following conditions are met: a.The "suit" against the indemnitee seeks damages for which the insured has assumedthe liability of the indemnitee in a contract or agreement that is an "insured contract"; b.This insurance applies to such liability assumed by the insured; c.The obligation to defend, or the cost of the defense of, that indemnitee, has also been assumed by the insured in the same "insured contract"; d.The allegations in the "suit" and the information we know about the "occurrence" or offense are such that no conflict appears to exist between the interests of the insured and the interests of the indemnitee; e.The indemnitee and the insured ask us to conduct and control the defense of that indemnitee against such "suit" and agree that we can assign the same counsel to defend the insured and the indemnitee; and f.The indemnitee: (1)Agrees in writing to: (a)Cooperate with us in the investigation, settlement or defense of the "suit"; (b)Immediately send us copies of any demands, notices, summonses or legal papers received in connection with the "suit"; (c)Notify any other insurer whose coverage is available to the indemnitee; and (d)Cooperate with us with respect to coordinating other applicable insurance available to the indemnitee; and (2)Provides us with written authorization to: (a)Obtain records and other information related to the "suit"; and (b)Conduct and control the defense of the indemnitee in such "suit". So long as the above conditions are met, attorneys' fees incurred by us in the defense of that indemnitee, necessary litigation expenses incurred by us and necessary litigation expenses incurred by the indemnitee at our request will be paid as Supplementary Payments. Notwithstanding the provisions of Paragraph 2.b.(2) of Section I – Coverages – Coverage A – Bodily Injury And Property Damage Liability or Paragraph 2.e. of Section I – Coverages – Coverage B – Personal And Advertising Injury Liability, such payments will not be deemed to be damages for "bodily injury", "property damage" or "personal injury", and will not reduce the limits of insurance. Our obligation to defend an insured's indemnitee and to pay for attorneys' fees and necessary litigation expenses as Supplementary Payments ends when:
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
COMMERCIAL GENERAL LIABILITY
CG T1 00 02 19© 2017 The Travelers Indemnity Company. All rights reserved.Includes copyrighted material of Insurance Services Office, Inc. with its permission.Page 11 of 21 a.We have used up the applicable limit of insurance in the payment of judgments, settlements or medical expenses; or b.The conditions set forth above, or the terms of the agreement described in Paragraph f. above, are no longer met. SECTION II – WHO IS AN INSURED 1.If you are designated in the Declarations as: a.An individual, you and your spouse areinsureds, but only with respect to the conduct of a business of which you are the sole owner. b.A partnership or joint venture, you are an insured. Your members, your partners, and their spouses are also insureds, but only with respect to the conduct of your business. c.A limited liability company, you are an insured. Your members are also insureds, but only with respect to the conduct of your business. Your managers are insureds, but only with respect to their duties as your managers. d.An organization other than a partnership, joint venture or limited liability company, you are an insured. Your "executive officers" and directors are insureds, but only with respect to theirduties as your officers or directors. Your stockholders are also insureds, but only with respect to their liability as stockholders. e.A trust, you are an insured. Your trustees are also insureds, but only with respect to their duties as trustees. 2.Each of the following is also an insured: a.Your "volunteer workers" only while performing duties related to the conduct of your business, or your "employees", other than either your "executive officers" (if you are an organization other than a partnership, joint venture or limited liability company) or your managers (if you are a limited liability company), but only for actswithin the scope of their employment by you or while performing duties related to the conductof your business. However, none of these "employees" or "volunteer workers" areinsureds for: (1)"Bodily injury" or "personal injury": (a)To you, to your partners or members (if you are a partnership or joint venture), to your members (if you are a limited liability company), to a co-"employee" while in the course of his or her employment or performing dutiesrelated to the conduct of yourbusiness, or to your other "volunteer workers" while performing duties related to the conduct of yourbusiness; (b)To the spouse, child, parent, brother or sister of that co-"employee" or "volunteer worker" as a consequence of Paragraph (1)(a) above; (c)For which there is any obligation to share damages with or repay someone else who must pay damages because of the injury described in Paragraph (1)(a) or (b) above; or (d)Arising out of his or her providing or failing to provide professional health care services. Unless you are in the business or occupation of providing professional health care services, Paragraphs (1)(a), (b), (c) and (d) above do not apply to "bodily injury" arising out of providing or failing to provide first aid or "Good Samaritan services" by any of your "employees" or "volunteer workers", other than an employed or volunteer doctor. Any such "employees" or "volunteer workers" providing or failing to provide first aid or "Good Samaritan services" during their work hours for you will be deemed to be acting within the scope of their employment by you or performing duties related to the conduct of your business. (2)"Property damage" to property: (a)Owned, occupied or used by; (b)Rented to, in the care, custody or control of, or over which physical control is being exercised for any purpose by; you, any of your "employees", "volunteer workers", any partner or member (if you are a partnership or joint venture), or any member (if you are a limited liability company). b.Any person (other than your "employee" or "volunteer worker"), or any organization, while acting as your real estate manager. c.Any person or organization having proper temporary custody of your property if you die, but only: (1)With respect to liability arising out of the maintenance or use of that property; and (2)Until your legal representative has been appointed.
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
COMMERCIAL GENERAL LIABILITY
d.Your legal representative if you die, but onlywith respect to duties as such. That representative will have all your rights andduties under this Coverage Part. e.Any person or organization that, with your express or implied consent, either uses or is responsible for the use of a watercraft that you do not own that is: (1)50 feet long or less; and (2)Not being used to carry any person or property for a charge. 3.Any organization you newly acquire or form, other than a partnership, joint venture or limited liability company, and of which you are the sole owner or in which you maintain an ownership interest of more than 50%, will qualify as a Named Insured if there is no other similar insurance available to that organization. However: a.Coverage under this provision is afforded only until the 180th day after you acquire or form the organization or the end of the policy period, whichever is earlier; b.Coverage A does not apply to "bodily injury" or "property damage" that occurred before you acquired or formed the organization; and c.Coverage B does not apply to "personal and advertising injury" arising out of an offense committed before you acquired or formed the organization. For the purposes of Paragraph 1. of Section II – Who Is An Insured, each such organization will be deemed to be designated in the Declarations as: a.An organization, other than a partnership, joint venture or limited liability company; or b.A trust; as indicated in its name or the documents that govern its structure. 4.Any person or organization that is a premisesowner, manager or lessor and that you have agreed in a written contract or agreement to include as an additional insured on this Coverage Part is an insured, but only with respect to liability for "bodily injury", "property damage" or "personal and advertising injury" that: a.Is "bodily injury" or "property damage" that occurs, or is "personal and advertising injury" caused by an offense that is committed, subsequent to the signing of that contract or agreement; and b.Arises out of the ownership, maintenance oruse of that part of any premises leased to you. The insurance provided to such premises owner, manager or lessor is subject to the following provisions: a.The limits of insurance provided to such premises owner, manager or lessor will be the minimum limits that you agreed to provide in the written contract or agreement, or the limits shown in the Declarations, whichever are less. b.The insurance provided to such premisesowner, manager or lessor does not apply to: (1)Any "bodily injury" or "property damage" that occurs, or "personal and advertising injury" caused by an offense that is committed, after you cease to be a tenant in that premises; or (2)Structural alterations, new construction or demolition operations performed by or on behalf of such premises owner, manager or lessor. 5.Any person or organization that is an equipment lessor and that you have agreed in a written contract or agreement to include as an additional insured on this Coverage Part is an insured, but only with respect to liability for "bodily injury", "property damage", or "personal and advertising injury" that: a.Is "bodily injury" or "property damage" that occurs, or is "personal and advertising injury" caused by an offense that is committed, subsequent to the signing of that contract or agreement; and b.Is caused, in whole or in part, by your acts or omissions in the maintenance, operation or use of equipment leased to you by such equipment lessor. The insurance provided to such equipment lessor is subject to the following provisions: a.The limits of insurance provided to such equipment lessor will be the minimum limits that you agreed to provide in the written contract or agreement, or the limits shown in the Declarations, whichever are less. b.The insurance provided to such equipment lessor does not apply to any "bodily injury" or "property damage" that occurs, or "personaland advertising injury" caused by an offensethat is committed, after the equipment lease expires. No person or organization is an insured with respect to the conduct of any current or past partnership, joint Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
COMMERCIAL GENERAL LIABILITY
CG T1 00 02 19© 2017 The Travelers Indemnity Company. All rights reserved.Includes copyrighted material of Insurance Services Office, Inc. with its permission.Page 13 of 21 venture or limited liability company that is not shown as a Named Insured in the Declarations. This paragraph does not apply to any such partnership, joint venture or limited liability company that otherwise qualifies as an insured under Section II – Who Is An Insured. SECTION III – LIMITS OF INSURANCE 1.The Limits of Insurance shown in the Declarations and the rules below fix the most we will pay regardless of the number of: a.Insureds; b.Claims made or "suits" brought; or c.Persons or organizations making claims or bringing "suits". 2.The General Aggregate Limit is the most we will pay for the sum of: a.Medical expenses under Coverage C; b.Damages under Coverage A, except damages because of "bodily injury" or "property damage" included in the "products-completed operations hazard"; and c.Damages under Coverage B. 3.The Products-Completed Operations Aggregate Limit is the most we will pay under Coverage A for damages because of "bodily injury" and "property damage" included in the "products-completed operations hazard". 4.Subject to Paragraph 2. above, the Personal And Advertising Injury Limit is the most we will payunder Coverage B for the sum of all damages because of all "personal injury" and "advertising injury" sustained by any one person or organization. 5.Subject to Paragraph 2. or 3. above, whichever applies, the Each Occurrence Limit is the most we will pay for the sum of: a.Damages under Coverage A; and b.Medical expenses under Coverage C; because of all "bodily injury" and "property damage" arising out of any one "occurrence". For the purposes of determining the applicableEach Occurrence Limit, all related acts oromissions committed in providing or failing to provide first aid or "Good Samaritan services" toany one person will be deemed to be one "occurrence". 6.Subject to Paragraph 5. above, the Damage To Premises Rented To You Limit is the most we will pay under Coverage A for damages because of "premises damage" to any one premises. The Damage To Premises Rented To You Limit will be:
a.The amount shown for the Damage ToPremises Rented To You Limit in the Declarations of this Coverage Part; or b.$300,000 if no amount is shown for theDamage To Premises Rented To You Limit in the Declarations of this Coverage Part. 7.Subject to Paragraph 5. above, the Medical Expense Limit is the most we will pay under Coverage C for all medical expenses because of "bodily injury" sustained by any one person. The Limits of Insurance of this Coverage Part apply separately to each consecutive annual period and to any remaining period of less than 12 months, starting with the beginning of the policy period shown in the Declarations, unless the policy period is extended after issuance for an additional period of less than 12months. In that case, the additional period will be deemed part of the last preceding period for purposes of determining the Limits of Insurance. SECTION IV – COMMERCIAL GENERAL LIABILITY CONDITIONS 1.Bankruptcy Bankruptcy or insolvency of the insured or of the insured's estate will not relieve us of our obligations under this Coverage Part. 2.Duties In The Event Of Occurrence, Offense,Claim Or Suit a.You must see to it that we are notified as soon as practicable of an "occurrence" or an offense which may result in a claim. To the extent possible, notice should include: (1)How, when and where the "occurrence" or offense took place; (2)The names and addresses of any injured persons and witnesses; and (3)The nature and location of any injury or damage arising out of the "occurrence" or offense. b.If a claim is made or "suit" is brought against any insured, you must: (1)Immediately record the specifics of theclaim or "suit" and the date received; and (2)Notify us as soon as practicable. You must see to it that we receive written notice of the claim or "suit" as soon as practicable. c.You and any other involved insured must: (1)Immediately send us copies of any demands, notices, summonses or legal papers received in connection with theclaim or "suit"; Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
COMMERCIAL GENERAL LIABILITY
(2)Authorize us to obtain records and other information; (3)Cooperate with us in the investigation or settlement of the claim or defense against the "suit"; and (4)Assist us, upon our request, in the enforcement of any right against anyperson or organization which may be liableto the insured because of injury or damageto which this insurance may also apply. d.No insured will, except at that insured's owncost, voluntarily make a payment, assume any obligation, or incur any expense, other than for first aid, without our consent. e.The following provisions apply to Paragraph a. above, but only for purposes of the insurance provided under this Coverage Part to you or any insured listed in Paragraph 1. or 2. of Section II – Who Is An Insured: (1)Notice to us of such "occurrence" oroffense must be given as soon aspracticable only after the "occurrence" or offense is known to you (if you are an individual), any of your partners or members who is an individual (if you are apartnership or joint venture), any of your managers who is an individual (if you are a limited liability company), any of your "executive officers" or directors (if you arean organization other than a partnership,joint venture, or limited liability company), any of your trustees who is an individual (if you are a trust) or any "employee"authorized by you to give notice of an "occurrence" or offense. (2)If you are a partnership, joint venture,limited liability company or trust, and noneof your partners, joint venture members, managers or trustees are individuals, notice to us of such "occurrence" or offense must be given as soon as practicable only afterthe "occurrence" or offense is known by: (a)Any individual who is: (i)A partner or member of any partnership or joint venture; (ii)A manager of any limited liability company; (iii)An executive officer or director of any other organization; or (iv)A trustee of any trust; that is your partner, joint venture member, manager or trustee; or (b)Any employee authorized by such partnership, joint venture, limitedliability company, trust or otherorganization to give notice of an "occurrence" or offense. (3)Notice to us of such "occurrence" oroffense will be deemed to be given as soon as practicable if it is given in good faith as soon as practicable to your workers' compensation insurer. This applies only if you subsequently give notice to us of the "occurrence" or offense as soon as practicable after any of the persons described in Paragraph e.(1) or (2) above discovers that the "occurrence" or offense may result in sums to which the insurance provided under this Coverage Part may apply. However, if this policy includes an endorsement that provides limited coverage for "bodily injury" or "property damage" or pollution costs arising out of a discharge, release or escape of "pollutants" which contains a requirement that the discharge, release or escape of "pollutants" must be reported to us within a specific number of days after its abrupt commencement, this Paragraph e. does not affect that requirement. 3.Legal Action Against Us No person or organization has a right under this Coverage Part: a.To join us as a party or otherwise bring us into a "suit" asking for damages from an insured; or b.To sue us on this Coverage Part unless all ofits terms have been fully complied with. A person or organization may sue us to recover on an agreed settlement or on a final judgment against an insured; but we will not be liable for damagesthat are not payable under the terms of this Coverage Part or that are in excess of theapplicable limit of insurance. An agreed settlement means a settlement and release of liability signed by us, the insured, and the claimant or the claimant's legal representative.
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
COMMERCIAL GENERAL LIABILITY
CG T1 00 02 19© 2017 The Travelers Indemnity Company. All rights reserved.Page 15 of 21Includes copyrighted material of Insurance Services Office, Inc. with its permission.
4.Other Insurance If valid and collectible other insurance is available to the insured for a loss we cover under Coverages A or B of this Coverage Part, our obligations are limited as described in Paragraphs a. and b. below.As used anywhere in this Coverage Part, other insurance means insurance, or the funding of losses, that is provided by, through or on behalf of: (i)Another insurance company; (ii)Us or any of our affiliated insurance companies, except when the Non cumulation of Each Occurrence Limit provision of Paragraph 5. of Section III – Limits Of Insurance or the Non cumulation of Personal and Advertising Injury Limit provision of Paragraph 4. of Section III – Limits of Insurance applies because the Amendment – Non Cumulation Of Each Occurrence Limit Of Liability And Non Cumulation Of Personal And Advertising Injury Limit endorsement is included in this policy; (iii)Any risk retention group; or (iv)Any self-insurance method or program, inwhich case the insured will be deemed to be the provider of other insurance. Other insurance does not include umbrella insurance, or excess insurance, that was bought specifically to apply in excess of the Limits of Insurance shown in the Declarations of this Coverage Part. As used anywhere in this Coverage Part, other insurer means a provider of other insurance. As used in Paragraph c. below, insurer means a provider of insurance. a.Primary Insurance This insurance is primary except when Paragraph b. below applies. If this insurance is primary, our obligations are not affected unless any of the other insurance is also primary. Then, we will share with all that other insurance by the method described in Paragraph c. below, except when Paragraph d. below applies. b.Excess Insurance (1)This insurance is excess over: (a)Any of the other insurance, whether primary, excess, contingent or on any other basis: (i)That is Fire, Extended Coverage, Builder's Risk, Installation Risk or similar coverage for "your work"; (ii)That is insurance for "premises damage"; (iii)If the loss arises out of the maintenance or use of aircraft,"autos" or watercraft to the extentnot subject to any exclusion in this Coverage Part that applies toaircraft, "autos" or watercraft; (iv)That is insurance available to a premises owner, manager or lessor that qualifies as an insured under Paragraph 4. of Section II – Who Is An Insured, except when Paragraph d. below applies; or (v)That is insurance available to an equipment lessor that qualifies as an insured under Paragraph 5. ofSection II – Who Is An Insured,except when Paragraph d. below applies. (b)Any of the other insurance, whether primary, excess, contingent or on anyother basis, that is available to theinsured when the insured is anadditional insured, or is any otherinsured that does not qualify as a named insured, under such otherinsurance. (2)When this insurance is excess, we willhave no duty under Coverages A or B to defend the insured against any "suit" if any other insurer has a duty to defend theinsured against that "suit". If no otherinsurer defends, we will undertake to do so,but we will be entitled to the insured's rights against all those other insurers. (3)When this insurance is excess over other insurance, we will pay only our share of the amount of the loss, if any, that exceeds the sum of: (a)The total amount that all such other insurance would pay for the loss in the absence of this insurance; and (b)The total of all deductible and self-insured amounts under all that other insurance. (4)We will share the remaining loss, if any,with any other insurance that is notdescribed in this Excess Insurance provision and was not bought specifically to apply in excess of the Limits of Insurance shown in the Declarations of this Coverage Part.
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
COMMERCIAL GENERAL LIABILITY
c.Method Of Sharing If all of the other insurance permits contribution by equal shares, we will follow this method also. Under this approach each insurer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains, whichever comes first. If any of the other insurance does not permit contribution by equal shares, we will contribute by limits. Under this method, each insurer's share is based on the ratio of its applicable limit of insurance to the total applicable limits of insurance of all insurers. d.Primary And Non-Contributory Insurance If Required By Written Contract If you specifically agree in a written contract or agreement that the insurance afforded to an insured under this Coverage Part must apply on a primary basis, or a primary and non- contributory basis, this insurance is primary to other insurance that is available to such insured which covers such insured as a named insured, and we will not share with that other insurance, provided that: (1)The "bodily injury" or "property damage" for which coverage is sought occurs; and (2)The "personal and advertising injury" for which coverage is sought is caused by an offense that is committed; subsequent to the signing of that contract or agreement by you. 5.Premium Audit a.We will compute all premiums for this Coverage Part in accordance with our rules and rates. b.Premium shown in this Coverage Part as advance premium is a deposit premium only. At the close of each audit period we will compute the earned premium for that period and send notice to the first Named Insured. The due date for audit and retrospective premiums is the date shown as the due date on the bill. If the sum of the advance and audit premiums paid for the policy period is greater than the earned premium, we will return the excess to the first Named Insured. c.The first Named Insured must keep records of the information we need for premium computation, and send us copies at such times as we may request. 6.Representations By accepting this policy, you agree:
a.The statements in the Declarations areaccurate and complete; b.Those statements are based upon representations you made to us; and c.We have issued this policy in reliance uponyour representations. The unintentional omission of, or unintentional error in, any information provided by you which we relied upon in issuing this policy will not prejudice your rights under this insurance. However, this provision does not affect our right to collect additional premium or to exercise our rights of cancellation or nonrenewal in accordance with applicable insurance laws or regulations. 7.Separation Of Insureds Except with respect to the Limits of Insurance, and any rights or duties specifically assigned in this Coverage Part to the first Named Insured, this insurance applies: a.As if each Named Insured were the onlyNamed Insured; and b.Separately to each insured against whom claim is made or "suit" is brought. 8.Transfer Of Rights Of Recovery Against OthersTo Us If the insured has rights to recover all or part of any payment we have made under this Coverage Part, those rights are transferred to us. The insured must do nothing after loss to impair them. At our request, the insured will bring "suit" or transfer those rightsto us and help us enforce them. 9.When We Do Not Renew If we decide not to renew this Coverage Part, we will mail or deliver to the first Named Insured shown in the Declarations written notice of the nonrenewalnot less than 30 days before the expiration date. If notice is mailed, proof of mailing will be sufficient proof of notice. SECTION V – DEFINITIONS 1."Advertisement" means a notice that is broadcast or published to the general public or specific market segments about your goods, products or servicesfor the purpose of attracting customers or supporters. For the purposes of this definition: a.Notices that are published include material placed on the Internet or on similar electronic means of communication; and b.Regarding websites, only that part of a website that is about your goods, products or services for the purposes of attracting customers or supporters is considered an advertisement.
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
COMMERCIAL GENERAL LIABILITY
CG T1 00 02 19© 2017 The Travelers Indemnity Company. All rights reserved.Includes copyrighted material of Insurance Services Office, Inc. with its permission.Page 17 of 21
2."Advertising injury": a.Means injury caused by one or more of the following offenses: (1)Oral or written publication, including publication by electronic means, of material in your "advertisement" that slanders or libels a person or organization ordisparages a person's or organization's goods, products or services, provided that the claim is made or the "suit" is brought by a person or organization that claims to have been slandered or libeled, or that claims to have had its goods, products or services disparaged; (2)Oral or written publication, including publication by electronic means, of material in your "advertisement" that: (a)Appropriates a person's name, voice, photograph or likeness; or (b)Unreasonably places a person in afalse light; or (3) Infringement of copyright, "title" or "slogan" in your "advertisement", provided that the claim is made or the "suit" is brought by a person or organization that claims ownership of such copyright, "title" or "slogan". b.Includes "bodily injury" caused by one or more of the offenses described in Paragraph a. above. 3."Auto" means: a.A land motor vehicle, trailer or semitrailer designed for travel on public roads, including any attached machinery or equipment; or b.Any other land vehicle that is subject to a compulsory or financial responsibility law, or other motor vehicle insurance law, where it is licensed or principally garaged. However, "auto" does not include "mobile equipment". 4."Bodily injury" means: a.Physical harm, including sickness or disease, sustained by a person; or b.Mental anguish, injury or illness, or emotional distress, resulting at any time from suchphysical harm, sickness or disease. 5."Broadcasting" means transmitting any audio or visual material for any purpose: a.By radio or television; or b.In, by or with any other electronic means of communication, such as the Internet, if that material is part of: (1)Radio or television programming being transmitted; (2)Other entertainment, educational, instructional, music or news programming being transmitted; or (3)Advertising transmitted with any of such programming. 6."Coverage territory" means: a.The United States of America (including its territories and possessions), Puerto Rico and Canada; b.International waters or airspace, but only if the injury or damage occurs in the course of travel or transportation between any places includedin Paragraph a. above; or c.All other parts of the world if the injury or damage arises out of: (1)Goods or products made or sold by you in the territory described in Paragraph a. above; (2)The activities of a person whose home is in the territory described in Paragraph a. above, but is away for a short time on your business; or (3)"Personal and advertising injury" offensesthat take place through the Internet or similar electronic means of communication;provided the insured's responsibility to paydamages is determined in a "suit" on the merits in the territory described in Paragraph a. above, or in a settlement we agree to. 7."Electronic data" means information, facts or programs stored as or on, created or used on, or transmitted to or from computer software (including systems and applications software), hard or floppy disks, CD-ROMs, tapes, drives, cells, data processing devices or any other media which are used with electronically controlled equipment. 8."Employee" includes a "leased worker". "Employee" does not include a "temporary worker". 9."Executive officer" means a person holding any of the officer positions created by your charter, constitution, bylaws or any other similar governing document.
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
COMMERCIAL GENERAL LIABILITY
10."Good Samaritan services" means any emergency medical services for which no compensation is demanded or received. 11."Hostile fire" means a fire which becomes uncontrollable or breaks out from where it was intended to be. 12."Impaired property" means tangible property, other than "your product" or "your work", that cannot be used or is less useful because: a.It incorporates "your product" or "your work"that is known or thought to be defective, deficient, inadequate or dangerous; or b.You have failed to fulfill the terms of a contract or agreement; if such property can be restored to use by therepair, replacement, adjustment or removal of "your product" or "your work" or your fulfilling the terms of the contract or agreement. 13."Insured contract" means: a.A contract for a lease of premises. However, that portion of the contract for a lease of premises that indemnifies any person or organization for "premises damage" is not an "insured contract"; b.A sidetrack agreement; c.Any easement or license agreement, except in connection with construction or demolition operations on or within 50 feet of a railroad; d.An obligation, as required by ordinance, to indemnify a municipality, except in connection with work for a municipality; e.An elevator maintenance agreement; f.That part of any other contract or agreement pertaining to your business (including an indemnification of a municipality in connection with work performed for a municipality) under which you assume the tort liability of another party to pay for "bodily injury", "property damage" or "personal injury" to a third personor organization. Tort liability means a liability that would be imposed by law in the absence of any contract or agreement. Paragraph f. does not include that part of any contract or agreement: (1)That indemnifies a railroad for "bodilyinjury" or "property damage" arising out of construction or demolition operations,within 50 feet of any railroad property and affecting any railroad bridge or trestle, tracks, roadbeds, tunnel, underpass or crossing; (2)That indemnifies an architect, engineer or surveyor for injury or damage arising out of:(a)Preparing, approving, or failing toprepare or approve, maps, shop drawings, opinions, reports, surveys, field orders, change orders or drawings and specifications; or (b)Giving directions or instructions, or failing to give them, if that is theprimary cause of the injury or damage; or (3)Under which the insured, if an architect, engineer or surveyor, assumes liability for an injury or damage arising out of the insured's rendering or failure to render professional services, including those listed in Paragraph (2) above and supervisory, inspection, architectural or engineering activities. 14."Leased worker" means a person leased to you by a labor leasing firm under an agreement between you and the labor leasing firm, to perform duties related to the conduct of your business. "Leased worker" does not include a "temporary worker". 15."Loading or unloading" means the handling of property: a.After it is moved from the place where it is accepted for movement into or onto an aircraft, watercraft or "auto"; b.While it is in or on an aircraft, watercraft or "auto"; or c.While it is being moved from an aircraft, watercraft or "auto" to the place where it is finally delivered; but "loading or unloading" does not include the movement of property by means of a mechanical device, other than a hand truck, that is not attached to the aircraft, watercraft or "auto". 16."Mobile equipment" means any of the following types of land vehicles, including any attached machinery or equipment: a.Bulldozers, farm machinery, forklifts and other vehicles designed for use principally off public roads; b.Vehicles maintained for use solely on or next to premises you own or rent; c.Vehicles that travel on crawler treads; Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
COMMERCIAL GENERAL LIABILITY
© 2017 The Travelers Indemnity Company. All rights reserved.Page 19 of 21CG T1 00 02 19Includes copyrighted material of Insurance Services Office, Inc. with its permission. d.Vehicles, whether self-propelled or not, maintained primarily to provide mobility to permanently mounted: (1)Power cranes, shovels, loaders, diggers or drills; or (2)Road construction or resurfacingequipment such as graders, scrapers or rollers; e.Vehicles not described in Paragraph a., b., c.or d. above that are not self-propelled and are maintained primarily to provide mobility to permanently attached equipment of thefollowing types: (1)Air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical exploration, lighting and well servicing equipment; or (2)Cherry pickers and similar devices used to raise or lower workers; f.Vehicles not described in Paragraph a., b., c.or d. above maintained primarily for purposes other than the transportation of persons or cargo. However, self-propelled vehicles with the following types of permanently attached equipment are not "mobile equipment" but will be considered "autos": (1)Equipment designed primarily for: (a)Snow removal; (b)Road maintenance, but not construction or resurfacing; or (c)Street cleaning; (2)Cherry pickers and similar devicesmounted on automobile or truck chassisand used to raise or lower workers; and (3)Air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical exploration, lighting and well servicing equipment. However, "mobile equipment" does not include any land vehicle that is subject to a compulsory or financial responsibility law, or other motor vehicle insurance law, where it is licensed or principally garaged. Such land vehicles are considered"autos". 17."Occurrence" means: a.An accident, including continuous or repeated exposure to substantially the same general harmful conditions; or b.An act or omission committed in providing or failing to provide first aid or "Good Samaritan services" to a person, unless you are in the business or occupation of providingprofessional health care services. 18."Personal and advertising injury" means "personal injury" or "advertising injury". 19."Personal injury": a.Means injury, other than "advertising injury", caused by one or more of the followingoffenses: (1)False arrest, detention or imprisonment; (2)Malicious prosecution; (3)The wrongful eviction from, wrongful entry into, or invasion of the right of private occupancy of a room, dwelling or premises that a person occupies, provided that the wrongful eviction, wrongful entry or invasion of the right of private occupancy is committed by or on behalf of the owner, landlord or lessor of that room, dwelling or premises; (4)Oral or written publication, including publication by electronic means, of material that slanders or libels a person or organization or disparages a person's or organization's goods, products or services, provided that the claim is made or the "suit" is brought by a person or organization that claims to have been slandered or libeled, or that claims to have had its goods, products or services disparaged; or (5)Oral or written publication, including publication by electronic means, of material that: (a)Appropriates a person's name, voice, photograph or likeness; or (b)Unreasonably places a person in afalse light. b.Includes "bodily injury" caused by one or more of the offenses described in Paragraph a. above. 20."Pollutants" mean any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed.
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
COMMERCIAL GENERAL LIABILITY
21."Premises damage" means: a.With respect to the first paragraph of the exceptions in Exclusion j. of Section I – Coverage A – Bodily Injury And Property Damage Liability, "property damage" to any premises while rented to you for a period of seven or fewer consecutive days, including the contents of such premises; or b.With respect to the exception to Exclusions c. through n. in the last paragraph of Paragraph 2. of Section I – Coverage A – Bodily Injury And Property Damage Liability, "property damage" to any premises while rented to you for a period of more than seven consecutive days, or while temporarily occupied by you with permission of the owner, caused by: (1)Fire; (2)Explosion; (3)Lightning; (4)Smoke resulting from fire, explosion or lightning; or (5)Water. But "premises damage" under this Paragraphb. does not include "property damage" to any premises caused by: (1)Rupture, bursting, or operation of pressure relief devices; (2)Rupture or bursting due to expansion or swelling of the contents of any building or structure caused by or resulting from water; or (3)Explosion of steam boilers, steam pipes, steam engines or steam turbines. 22."Products-completed operations hazard": a.Includes all "bodily injury" and "property damage" occurring away from premises you own or rent and arising out of "your product" or "your work" except: (1)Products that are still in your physical possession; or (2)Work that has not yet been completed or abandoned. However, "your work" will be deemed completed at the earliest of the following times: (a)When all of the work called for in your contract has been completed. (b)When all of the work to be done at the job site has been completed if your contract calls for work at more thanone job site. (c)When that part of the work done at ajob site has been put to its intendeduse by any person or organization other than another contractor orsubcontractor working on the same project. Work that may need service, maintenance, correction, repair or replacement, but which is otherwise complete, will be treated as completed. b.Does not include "bodily injury" or "property damage" arising out of: (1)The transportation of property, unless the injury or damage arises out of a condition in or on a vehicle not owned or operated by you, and that condition was created by the "loading or unloading" of that vehicle by any insured; (2)The existence of tools, uninstalled equipment or abandoned or unused materials; or (3)Products or operations for which the classification, listed in the Declarations orin a policy Schedule, states that products- completed operations are subject to the General Aggregate Limit. 23."Property damage" means: a.Physical injury to tangible property, including all resulting loss of use of that property. All such loss of use will be deemed to occur at the time of the physical injury that caused it; or b.Loss of use of tangible property that is not physically injured. All such loss of use will be deemed to occur at the time of the "occurrence" that caused it. For the purposes of this insurance, "electronic data" is not tangible property. 24."Slogan": a.Means a phrase that others use for the purpose of attracting attention in their advertising. b.Does not include a phrase used as, or in, the name of: (1)Any person or organization, other than you; or (2)Any business, or any of the premises, goods, products, services or work, of any person or organization, other than you.
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
COMMERCIAL GENERAL LIABILITY
CG T1 00 02 19© 2017 The Travelers Indemnity Company. All rights reserved.Includes copyrighted material of Insurance Services Office, Inc. with its permission.Page 21 of 21
25."Suit" means a civil proceeding in which damages because of "bodily injury", "property damage" or "personal and advertising injury" to which this insurance applies are alleged. "Suit" includes: a.An arbitration proceeding in which such damages are claimed and to which the insured must submit or does submit with our consent;or b.Any other alternative dispute resolution proceeding in which such damages are claimed and to which the insured submits with our consent. 26."Temporary worker" means a person who is furnished to you to substitute for a permanent "employee" on leave or to meet seasonal or short- term workload conditions. 27."Title" means a name of a literary or artistic work. 28."Unsolicited communication" means any communication, in any form, that the recipient of such communication did not specifically request to receive. 29."Volunteer worker" means a person who is not your "employee", and who donates his or her work and acts at the direction of and within the scope ofduties determined by you, and is not paid a fee, salary or other compensation by you or anyone else for their work performed for you. 30."Your product": a.Means: (1)Any goods or products, other than real property, manufactured, sold, handled, distributed or disposed of by:
(a)You; (b)Others trading under your name; or (c)A person or organization whose business or assets you have acquired; and (2)Containers (other than vehicles), materials, parts or equipment furnished in connection with such goods or products. b.Includes: (1)Warranties or representations made at any time with respect to the fitness, quality, durability, performance or use of "your product"; and (2)The providing of or failure to provide warnings or instructions. c.Does not include vending machines or other property rented to or located for the use of others but not sold. 31."Your work": a.Means: (1)Work or operations performed by you or on your behalf; and (2)Materials, parts or equipment furnished in connection with such work or operations. b.Includes: (1)Warranties or representations made at any time with respect to the fitness, quality, durability, performance or use of "your work"; and (2)The providing of or failure to provide warnings or instructions.
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D COMMERCIAL GENERAL LIABILITYTHIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.AMENDATORY ENDORSEMENT – PRODUCTS-COMPLETED OPERATIONS HAZARDThis endorsement modifies insurance provided under the following:COMMERCIAL GENERAL LIABILITY COVERAGE PARTThe following replaces Paragraph b.(3) of the definition of "products-completed operations hazard" in the DEFINITIONS Section:(3)Products or operations for which the classification, listed in the Declarations, in a policy Schedule or in our manual of rules, states that the products-completed operations are subject to the General Aggregate Limit.
CG D3 09 02 19© 2017 The Travelers Indemnity Company. All rights reserved.Page 1 of 1Includes copyrighted material of Insurance Services Office, Inc. with its permission.
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D CG D9 10 09 21© 2021 The Travelers Indemnity Company. All rights reserved.Page 1 of 1Includes copyrighted material of Insurance Services Office, Inc. with its permission.
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.AMENDMENT OF INTELLECTUAL PROPERTY EXCLUSIONThis endorsement modifies insurance provided under the following:COMMERCIAL GENERAL LIABILITY COVERAGE PARTThe following replaces Exclusion i., Intellectual Property, in Paragraph 2. of SECTION I – COVERAGES – COVERAGE B – PERSONAL AND ADVERTISING INJURY LIABILITY: i.Intellectual Property"Personal and advertising injury" arising out of any actual or alleged infringement or violation of any of the following rights or laws, or any other "personal and advertising injury" alleged in any claim or suit that also alleges any such infringement or violation:(1)Copyright;(2)Patent;(3)Trade dress;(4)Trade name;(5)Trademark; (6)Trade secret; or(7)Other intellectual property rights or laws.This exclusion applies regardless of whether the allegation of infringement or violation of any of these rights or laws is made by any person or organization making the claim or bringing the suit, by any insured or by any other party to the claim or suit.This exclusion does not apply to:(1)"Advertising injury" arising out of any actual or alleged infringement or violation of another's copyright, "title" or "slogan" in your "advertisement"; or(2)Any other "personal and advertising injury" alleged in any claim or "suit" that also alleges any such infringement or violation of another's copyright, "title" or "slogan" in your "advertisement".
COMMERCIAL GENERAL LIABILITY
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D AMENDMENT – NON CUMULATION OF EACHCOMMERCIAL GENERAL LIABILITYTHIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
OCCURRENCE LIMIT OF LIABILITY andNON CUMULATION OF PERSONAL and ADVERTISINGINJURY LIMITThis endorsement modifies insurance provided under the following:COMMERCIAL GENERAL LIABILITY COVERAGE PART CG D2 03 12 97Copyright, Travelers Indemnity Company, 1997Page 1 of 1
1. Paragraph 5 of SECTION III – LIMITS OF INSUR- ANCE, is amended to include the following:Non cumulation of Each Occurrence Limit - If one "occurrence" causes "bodily injury" and/or "prop- erty damage" during the policy period and during the policy period of one or more prior and/or future policies that include a commercial general liability coverage part for the insured issued by us or any affiliated insurance company, the amount we will pay is limited. This policy’s Each Occurrence Limit will be reduced by the amount of each payment made by us and any affiliated insurance company under the other policies because of such "occur- rence".
2. Paragraph 4 of SECTION III – LIMITS OF INSUR- ANCE, is amended to include the following: Non cumulation of Personal and Advertising Limit – If "personal injury" and/or "advertising injury" is sustained by any one person or organization dur- ing the policy period and during the policy period of one or more prior and/or future policies that include a commercial general liability coverage part for the insured issued by us or any affiliated insurance company, the amount we will pay is limited. This policy’s Personal Injury and Advertis- ing Injury Limit will be reduced by the amount of each payment made by us and any affiliated in- surance company under the other policies be- cause of such "personal injury" and/or "advertising injury".
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D COMMERCIAL GENERAL LIABILITYTHIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.PRODUCTS/COMPLETED OPERATIONS HAZARDREDEFINED – CHANGESThis endorsement modifies insurance provided under the following:COMMERCIAL GENERAL LIABILITY COVERAGE PARTPRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART CG M3 01 02 05Copyright, The Travelers Indemnity Company, 2004Page 1 of 1Includes copyrighted material of Insurance Services Office, Inc., with its permission.
With respect to "bodily injury" or "property damage" arising out of "your products" manufactured, sold, handled or distributed: 1. On, from or in connection with the use of any premises described in the Declarations and used by the insured for the sale of food or beverages to be consumed on the premises, or 2. In connection with the conduct of any operation, when conducted by you or on your behalf, Paragraph a. of the definition of "Products-completed operations hazard" in the DEFINITIONS Section is replaced by the following: "Products-completed operations hazard": a. Includes all "bodily injury" and "property dam- age" that arises out of "your products" if the "bodily injury" or "property damage" occurs af- ter you have relinquished possession of those products.
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D CG D8 42 02 19 Page 1 of 3© 2018 The Travelers Indemnity Company. All rights reserved.Includes copyrighted material of Insurance Services Office, Inc., with its permission.
COMMERCIAL GENERAL LIABILITYTHIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.XTEND ENDORSEMENT FOR SMALL BUSINESSESThis endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PARTGENERAL DESCRIPTION OF COVERAGE – This endorsement broadens coverage. However, coverage for any injury, damage or medical expenses described in any of the provisions of this endorsement may be excluded or limited by another endorsement to this Coverage Part, and these coverage broadening provisions do not apply to the extent that coverage is excluded or limited by such an endorsement. The following listing is a general coverage description only. Read all the provisions of this endorsement and the rest of your policy carefully to determine rights, duties, and what is and is not covered.A.Who Is An Insured – Unnamed SubsidiariesB.Who Is An Insured – Employees And Volunteer Workers – Bodily Injury To Co-Employees And Co-Volunteer WorkersC.Who Is An Insured – Newly Acquired Or Formed Limited Liability CompaniesD.Incidental Medical MalpracticeE.Blanket Waiver Of Subrogation A.PROVISIONSWHO IS AN INSURED – UNNAMED SUBSIDIARIESThe following is added to SECTION II – WHO IS AN INSURED:Any of your subsidiaries, other than a partnership or joint venture, that is not shown as a Named Insured in the Declarations is a Named Insured if:a.You are the sole owner of, or maintain an ownership interest of more than 50% in, such subsidiary on the first day of the policy period; andb.Such subsidiary is not an insured under similar other insurance.No such subsidiary is an insured for "bodily injury" or "property damage" that occurred, or "personal and advertising injury" caused by an offense committed:a.Before you maintained an ownership interest of more than 50% in such subsidiary; orb.After the date, if any, during the policy period that you no longer maintain an ownership interest of more than 50% in such subsidiary.For purposes of Paragraph 1. of Section II – Who Is An Insured, each such subsidiary will be deemed to be designated in the Declarations as: a.A limited liability company; b.An organization other than a partnership, joint venture or limited liability company; or c.A trust; as indicated in its name or the documents that govern its structure.B.WHO IS AN INSURED – EMPLOYEES AND VOLUNTEER WORKERS – BODILY INJURY TO CO-EMPLOYEES AND CO-VOLUNTEER WORKERSThe following is added to Paragraph 2.a.(1) of SECTION II – WHO IS AN INSURED:Paragraphs (1)(a), (b) and (c) above do not apply to "bodily injury" to a co-"employee" while in the course of the co-"employee's" employment by you or performing duties related to the conduct of your business, or to "bodily injury" to your other "volunteer workers" while performing duties related to the conduct of your business. C.WHO IS AN INSURED – NEWLY ACQUIRED OR FORMED LIMITED LIABILITY COMPANIES1.The following replaces the first sentence of Paragraph 3. of SECTION II – WHO IS AN INSURED:Any organization you newly acquire or form, other than a partnership or joint venture, and of which you are the sole owner or in which you maintain an ownership interest of more than 50%, will qualify as a Named Insured if Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D CG D8 42 02 19Page 2 of 3© 2018 The Travelers Indemnity Company. All rights reserved.Includes copyrighted material of Insurance Services Office, Inc., with its permission.
COMMERCIAL GENERAL LIABILITY
a.b.c.
there is no other similar insurance available to that organization.2.The following replaces the last sentence of Paragraph 3. of SECTION II – WHO IS AN INSURED:For the purposes of Paragraph 1. of Section II – Who Is An Insured, each such organization will be deemed to be designated in the Declarations as: A limited liability company;An organization other than a partnership, joint venture or limited liability company; orA trust;as indicated in its name or the documents that govern its structure.D.INCIDENTAL MEDICAL MALPRACTICE1.The following replaces Paragraph b. of the definition of "occurrence" in the DEFINITIONS Section:b.An act or omission committed in providing or failing to provide "incidental medical services", first aid or "Good Samaritan services" to a person, unless you are in the business or occupation of providing professional health care services.2.The following replaces the last paragraph of Paragraph 2.a.(1) of SECTION II – WHO IS AN INSURED:Unless you are in the business or occupation of providing professional health care services, Paragraphs (1)(a), (b), (c) and (d)above do not apply to "bodily injury" arising out of providing or failing to provide:(a)"Incidental medical services" by any of your "employees" who is a nurse, nurse assistant, emergency medical technician, paramedic, athletic trainer, audiologist, dietician, nutritionist, occupational therapist or occupational therapy assistant, physical therapist or speech-language pathologist; or(b)First aid or "Good Samaritan services" by any of your "employees" or "volunteer workers", other than an employed or volunteer doctor. Any such "employees" or "volunteer workers" providing or failing to provide first aid or "Good Samaritan services" during their work hours for you will be deemed to be acting within the scope of their employment by you or performing duties related to the conduct of your business.3.The following replaces the last sentence of Paragraph 5. of SECTION III – LIMITS OF INSURANCE:For the purposes of determining the applicable Each Occurrence Limit, all related acts or omissions committed in providing or failing to provide "incidental medical services", first aid or "Good Samaritan services" to any one person will be deemed to be one "occurrence".4.The following exclusion is added to Paragraph 2., Exclusions, of SECTION I – COVERAGES – COVERAGE A – BODILY INJURY AND PROPERTY DAMAGE LIABILITY:Sale Of Pharmaceuticals"Bodily injury" or "property damage" arising out of the violation of a penal statute or ordinance relating to the sale of pharmaceuticals committed by, or with the knowledge or consent of, the insured.5.The following is added to the DEFINITIONS Section:"Incidental medical services" means:a.Medical, surgical, dental, laboratory, x- ray or nursing service or treatment, advice or instruction, or the related furnishing of food or beverages; orb.The furnishing or dispensing of drugs or medical, dental, or surgical supplies or appliances.6.The following is added to Paragraph 4.b., Excess Insurance, of SECTION IV – COMMERCIAL GENERAL LIABILITY CONDITIONS:This insurance is excess over any valid and collectible other insurance, whether primary, excess, contingent or on any other basis, that is available to any of your "employees" for "bodily injury" that arises out of providing or failing to provide "incidental medical services" to any person to the extent not subject to Paragraph 2.a.(1) of Section II – Who Is An Insured.E.BLANKET WAIVER OF SUBROGATIONThe following is added to Paragraph 8., Transfer Of Rights Of Recovery Against Others To Us, Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D CG D8 42 02 19 Page 3 of 3© 2018 The Travelers Indemnity Company. All rights reserved.Includes copyrighted material of Insurance Services Office, Inc., with its permission.
COMMERCIAL GENERAL LIABILITYof SECTION IV – COMMERCIAL GENERAL LIABILITY CONDITIONS:If the insured has agreed in a contract or agreement to waive that insured's right of recovery against any person or organization, we waive our right of recovery against such person or organization, but only for payments we make because of:
a."Bodily injury" or "property damage" that occurs; orb."Personal and advertising injury" caused by an offense that is committed; subsequent to the execution of the contract or agreement.
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D SCHEDULECOVERAGE$$
POLICY NUMBER:COMMERCIAL GENERAL LIABILITYISSUE DATE:THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.HIRED AUTO AND NONOWNED AUTO LIABILITYThis endorsement modifies insurance provided under the following:COMMERCIAL GENERAL LIABILITY COVERAGE FORMInsurance is provided only with respect to those coverages for which a specific premium charge is shown:Hired Auto LiabilityNonowned Auto LiabilityADDITIONAL PREMIUM MP T1 25 11 03Copyright, The Travelers Indemnity Company, 2003Includes copyrighted material of Insurance Services Office, Inc., with its permission.Page 1 of 2 (If no entry appears above, information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement.) PROVISIONS A.COVERAGE If a premium charge is shown in the SCHEDULE above, the insurance provided under Section I – Coverage A – Bodily Injury And Property Damage Liability applies to "bodily injury" and "property damage" arising out of the maintenance or use of a "hired auto" or "nonowned auto". Maintenance or use of a "nonowned auto" in- cludes test driving in connection with an "auto business". B.EXCLUSIONS With respect to the insurance provided by this endorsement: 1.The exclusions, under Section I – Coverage A – Bodily Injury And Property Damage Liability, other than exclusions a., b., d., e., f. and i. and the Nuclear Energy Liability Exclu- sion (Broad Form) are deleted and replaced by the following: a."Bodily injury" to: (1)Any fellow "employee" of the insured arising out of and in the course of: (a)Employment by the insured; or (b)Performing duties related to the conduct of the insured's busi- ness. b."Property damage" to: (1)Property owned or being transported by, or rented or loaned to the insured; or (2)Property in the care, custody or con- trol of the insured.
C.WHO IS AN INSURED Section II – Who Is An Insured is replaced by the following: Each of the following is an insured under this in- surance to the extent set forth below: 1.You; 2.Anyone else including any partner or "execu- tive officer" of yours while using with your permission a "hired auto" or a "nonowned auto" except: a.The owner or lessee (of whom you are a sublessee) of a "hired auto" or the owner or lessee of a "nonowned auto" or any agent or "employee" of any such owner or lessee; b.Your "employee" if the covered "auto" is owned by that "employee" or a member of his or her household; c.Your "employee" if the covered "auto" is leased, hired or rented by him or her or a member of his or her household under a lease or rental agreement for a period of 180 days or more; d.Any partner or "executive officer" with re- spect to any "auto" owned by such part- ner or officer or a member of his or her household; e.Any partner or "executive officer" with re- spect to any "auto" leased or rented to such partner or officer or a member of his or her household under a lease or rental agreement for a period of 180 days or more; 680-A2036190-25-4208/27/2025
INCLUDEDINCLUDED
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
COMMERCIAL GENERAL LIABILITY
f.Any person while employed in or other- wise engaged in duties in connection with an "auto business", other than an "auto business" you operate; g.Anyone other than your "employees", partners, a lessee or borrower or any of their "employees", while moving property to or from a "hired auto" or a "nonowned auto"; or 3.Any other person or organization, but only with respect to their liability because of acts or omissions of an insured under 1. or 2. above. D.AMENDED DEFINITIONS The Definition of "insured contract" of Section V – Definitions is amended by the addition of the fol- lowing exceptions to paragraph f.: Paragraph f. does not include that part of any contract or agreement: (4)That pertains to the loan, lease or rental of an "auto" to you or any of your "employees", if the "auto" is loaned, leased or rented with a driver; or (5)That holds a person or organization engaged in the business of transporting property by "auto" for hire harmless for your use of a cov- ered "auto" over a route or territory that per- son or organization is authorized to serve by public authority.
E.ADDITIONAL DEFINITIONS Section V – Definitions is amended by the addi- tion of the following definitions: 1."Auto Business" means the business or oc- cupation of selling, repairing, servicing, stor- ing or parking "autos". 2."Hired auto" means any "auto" you lease, hire, rent or borrow. This does not include: a.Any "auto" you lease, hire or rent under a lease or rental agreement for a period of 180 days or more, or b.Any "auto" you lease, hire, rent or borrow from any of your "employees", partners, stockholders, or members of their house- holds. 3."Nonowned auto" means any "autos" you do not own, lease, hire, rent or borrow that are being used in the course and scope of your business at the time of an "occurrence". This includes "autos" owned by your "employees" or partners or members of their households but only while being used in the course and scope of your business at the time of an "oc- currence". If you are a sole proprietor, "nonowned auto" means any "autos" you do not own, lease, hire, rent or borrow that are being used in the course and scope of your business or per- sonal affairs at the time of an "occurrence".
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D COMMERCIAL GENERAL LIABILITYTHIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.AMENDMENT OF CONTRACTUAL LIABILITY EXCLUSION– EXCEPTION FOR DAMAGES ASSUMED IN AN INSUREDCONTRACT APPLIES ONLY TO NAMED INSUREDThis endorsement modifies insurance provided under the following:COMMERCIAL GENERAL LIABILITY COVERAGE PARTPROVISIONS CG D4 21 07 08© 2008 The Travelers Companies, Inc.Page 1 of 1Includes the copyrighted material of Insurance Services Office, Inc. with its permission.
1.The following replaces Paragraph (2) of Exclusion b., Contractual Liability, in Paragraph 2. of SECTION I – COVERAGES – COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY: (2)Assumed by you in a contract or agreement that is an "insured contract", provided that the "bodily injury" or "property damage" occurs subsequent to the execution of the contract or agreement. Solely for the purposes of liability assumed by you in an "insured contract", rea- sonable attorney fees and necessary litigation expenses incurred by or for a party other than an insured will be deemed to be damages because of "bodily injury" or "property dam- age", provided that: (a)Liability to such party for, or for the cost of, that party's defense has also been as- sumed by you in the same "insured con- tract"; and (b)Such attorney fees and litigation ex- penses are for defense of that party against a civil or alternative dispute reso- lution proceeding in which damages to which this insurance applies are alleged. 2.The following replaces the beginning of Para- graph 2., and Paragraphs 2.a., b., c., d. and e., of SUPPLEMENTARY PAYMENTS – COVER- AGES A AND B of SECTION I – COVERAGES:2.If we defend you against a "suit" and your in- demnitee is also named as a party to the "suit", we will have the right and duty to de- fend that indemnitee if all of the following conditions are met:
a.The "suit" against the indemnitee seeks damages for which you have assumed the liability of the indemnitee in a contract or agreement that is an "insured con- tract"; b.This insurance applies to such liability as- sumed by you; c.The obligation to defend, or the cost of the defense of, that indemnitee has also been assumed by you in the same "in- sured contract"; d.The allegations in the "suit" and the in- formation we know about the "occur- rence" or offense are such that we de- termine that no conflict exists between your interests and the interests of the in- demnitee; e.You and the indemnitee ask us to con- duct and control the defense of that in- demnitee against such "suit" and agree that we can assign the same counsel to defend you and the indemnitee; and 3.The following replaces the last sentence of Paragraph 2. of SUPPLEMENTARY PAY- MENTS – COVERAGES A AND B of SEC- TION I – COVERAGES: Our obligation to defend your indemnitee and to pay for attorneys' fees and necessary litiga- tion expenses as Supplementary Payments ends when: a.We have used up the applicable limit of insurance in the payment of judgments, settlements or medical expenses; or b.The conditions set forth above, or the terms of the agreement described in Paragraph f. above, are no longer met.
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
COMMERCIAL GENERAL LIABILITY
This endorsement modifies insurance provided under the following:COMMERCIAL GENERAL LIABILITY COVERAGE PART CG D6 18 10 11
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. © 2011 The Travelers Indemnity Company. All rights reserved.Page 1 of 1 EXCLUSION – VIOLATION OF CONSUMER FINANCIAL PROTECTION LAWS PROVISIONS 1.The following exclusion is added to Paragraph 2., Exclusions, of SECTION I – COVERAGES – COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY: Violation Of Consumer Financial Protection Laws "Bodily injury" or "property damage" arising out of any actual or alleged violation of a "consumer financial protection law", or any other "bodily in- jury" or "property damage" alleged in any claim or "suit" that also alleges any such violation. 2.The following exclusion is added to Paragraph 2., Exclusions, of SECTION I – COVERAGES – COVERAGE B PERSONAL AND ADVER- TISING INJURY LIABILITY: Violation Of Consumer Financial ProtectionLaws "Personal injury" or "advertising injury" arising out of any actual or alleged violation of a "con- sumer financial protection law", or any other "personal injury" or "advertising injury" alleged in any claim or "suit" that also alleges any such violation. 3.The following is added to the DEFINITIONS Section:
"Consumer financial identity information" means any of the following information for a person that is used or collected for the purpose of serving as a factor in establishing such person's eligibil- ity for personal credit, insurance or employment, or for the purpose of conducting a business transaction: a.Part or all of the account number, the expi- ration date or the balance of any credit, debit, bank or other financial account. b.Information bearing on a person's credit worthiness, credit standing or credit capac- ity. c.Social security number. d.Drivers license number. e.Birth date. "Consumer financial protection law" means: a.The Fair Credit Reporting Act (FCRA) and any of its amendments, including the Fair and Accurate Credit Transactions Act (FACTA); b.California's Song-Beverly Credit Card Act and any of its amendments; or c.Any other law or regulation that restricts or prohibits the collection, dissemination, transmission, distribution or use of "con- sumer financial identity information".
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
COMMERCIAL GENERAL LIABILITY
PRIVACY LAWSThis endorsement modifies insurance provided under the following:
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.EXCLUSION – VIOLATION OF BIOMETRIC INFORMATION COMMERCIAL GENERAL LIABILITY COVERAGE PARTPROVISIONS ,
CG D9 44 01 23© 2022 The Travelers Indemnity Company. All rights reserved.Page 1 of 1
1.The following exclusion is added to Paragaraph 2., Exclusions, of SECTION I - COVERAGES – COVERAGE A – BODILY INJURY AND PROPERTY DAMAGE LIABILITY: Violation Of Biometric Information Privacy Laws "Bodily injury" or "property damage" arising out of any actual or alleged violation of a "biometric information privacy law", or any other "bodily injury" or "property damage" alleged in any claim or "suit" that also alleges any such violation. 2.The following exclusion is added to Paragraph 2.,Exclusions, of SECTION I – COVERAGES – COVERAGE B – PERSONAL AND ADVERTISING INJURY LIABILITY: Violation Of Biometric Information Privacy Laws "Personal and advertising injury" arising out of any actual or alleged violation of a "biometric information privacy law", or any other "personal and advertising injury" alleged in any claim or "suit" that also alleges any such violation.3.The following is added to the DEFINITIONS Section: "Biometric information": a.Means information about a person's physical, biological or behavioral characteristics that can be used to identify such person. b.Includes a person's retina or iris scan, fingerprint, voiceprint, scan of hand or face or other body geometry, DNA, vein pattern, keystroke pattern or rhythm, gait pattern or rhythm, or sleep, health or exercise data that contain identifying information. "Biometric information privacy law" means the parts of any law, ordinance, regulation or governmental rule that govern or relate to the collection, storage, disclosure, retention, destruction, protection, use, sale, lease or trade of "biometric information".
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D COMMERCIAL GENERAL LIABILITYTHIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLYEXCLUSION – COMMUNICABLE DISEASESThis endorsement modifies insurance provided under the following:COMMERCIAL GENERAL LIABILITY COVERAGE PARTPROVISIONS CG D1 09 08 03Copyright, The Travelers Indemnity Company, 2003Page 1 of 1 This insurance does not apply to "bodily injury", "property damage", "personal injury" or "advertising injury" arising out of, caused by or related to any communicable disease, including any supervision, instructions, recommenda- tions, warnings or advice given or which should have been given in connection therewith. A communicable disease is a disease that may be transmitted directly or indirectly from one individual to another.
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D COMMERCIAL GENERAL LIABILITYTHIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.EXCLUSION – DISCRIMINATIONThis endors ement modifies insurance provided under the following:COMMERCIAL GENERAL LIABILITY COVERAGE PART CG D1 42 02 19 Page 1 of 1© 2017 The Travelers Indemnity Company. All rights reserved.Includes copyrighted material of Insurance Services Office, Inc. with its permission.
PROVISIONS 1.The following exclusion is added to Paragraph 2., Exclusions, of SECTION I – COVERAGES – COVERAGE A – BODILY INJURY AND PROPERTY DAMAGE LIABILITY: Discrimination "Bodily injury" arising out of discrimination based upon a person's sex, sexual orientation, marital status, pregnancy, race, color, creed, religion, national origin, citizenship, veteran status, age, genetic information or physical or mental disability, or any other characteristic, attribute, trait, condition or status that qualifies a person for protection against discrimination under federal, state or local law.
2.The following exclusion is added to Paragraph 2., Exclusions, of SECTION I – COVERAGES – COVERAGE B – PERSONAL AND ADVERTISING INJURY LIABILITY: Discrimination "Personal injury" arising out of discrimination based upon a person's sex, sexual orientation, marital status, pregnancy, race, color, creed, religion, national origin, citizenship, veteran status, age, genetic information or physical or mental disability, or any other characteristic, attribute, trait, condition or status that qualifies a person for protection against discrimination under federal, state or local law.
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D COMMERCIAL GENERAL LIABILITYTHIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
This endorsement modifies insurance provided under the following:COMMERCIAL GENERAL LIABILITY COVERAGE PARTPROVISIONSUnder SECTION I, Exclusion f. of COVERAGE C--MEDICAL PAYMENTS - is replaced by the following:
CG T3 56 07 86 Page 1 of 1
AMENDMENT OF COVERAGE C--MEDICAL PAYMENTS(LIMITED PRODUCTS HAZARD INCLUSION) f.Which occurs away from premises you own or rent and is included within the "products-completed operations hazard." Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
LIQUOR LIABILITY
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
LIQUOR LIABILITY
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D COMMERCIAL GENERAL LIABILITYTHIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.LIQUOR LIABILITY COVERAGE ENDORSEMENTThis endorsement modifies insurance provided under the following:COMMERCIAL GENERAL LIABILITY COVERAGE FORM MP T1 13 11 03Copyright, The Travelers Indemnity Company, 2003Includes copyrighted material of Insurance Services Office, Inc., with its permission.Page 1 of 1 PROVISIONSA.The following is added to Section I – Coverage A – Bodily Injury And Property Damage Liabil- ity Paragraph 1. Insuring Agreement:f."Bodily injury" or "property damage" arising out of the "liquor liability hazard" shall be deemed to be caused by an "occurrence".B.Section III – Limits Of Insurance is amended by replacing item 5. with the following:5.Subject to 2. or 3. above, whichever applies, the Each Occurrence Limit is the most that we will pay for the sum of:(a)Damages under Coverage A other than damages arising out of the "liquor liability hazard";(b)Medical expenses under Coverage C; and(c)Damages arising out of the "liquor liability hazard"because of all "bodily injury" and "property damage" arising out of any one "occurrence".C.Under paragraph 2. Exclusions of Section I Coverage A – Bodily Injury And Property Damage Liability, exclusions b., c., f., g., h., i., j., k., l., m. and n. do not apply to the "liquor liabil- ity hazard".D.Only as respects the PROVISIONS of this en- dorsement within the "liquor liability hazard" defi- nition:1.Under paragraph 2. Exclusions of Section I Coverage A – Bodily Injury And Property Damage Liability, the following exclusions are added:p."Bodily injury" or "property damage" aris- ing out of the "liquor liability hazard" does not apply while any required license is suspended or after such license expires, is canceled or revoked. q."Bodily injury" or "property damage" aris- ing out of "your product". This exclusion does not apply to "bodily injury" or "prop- erty damage" for which the insured or the insured's indemnitees may be liable by reason of (1)Causing or contributing to intoxication of any person; (2)The furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol; or (3)Any statute, ordinance or regulation relating to the sale, gift, distribution or use of alcoholic beverages.r."Bodily injury" or "property damage" with respect to which other insurance is af- forded or which would be afforded but for the exhaustion of the limits of insurance. This exclusion does not apply if the other insurance responds to damages imposed on the insured by reason of the selling, serving or furnishing of any alcoholic beverage. E.Only as respects the PROVISIONS of this en- dorsement, the following is added to Section V – Definitions:"Liquor liability hazard" includes all "bodily injury" and "property damage" arising out of the selling, serving or furnishing of any alcoholic beverage. F.Only as respects the PROVISIONS of this en- dorsement, the definition of "bodily injury" in Sec- tion V – Definitions is deleted and replaced by: "Bodily injury" means bodily injury, sickness or disease sustained by a person along with dam- ages for care, loss of services or loss of support including death resulting from any of these.
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
MULTIPLE SUBLINEENDORSEMENTS
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
MULTIPLE SUBLINEENDORSEMENTS
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
This endorsement modifies insurance provided under the following:COMMERCIAL GENERAL LIABILITY COVERAGE PARTEMPLOYEE BENEFITS LIABILITY COVERAGE PARTLIQUOR LIABILITY COVERAGE PARTPRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART
COMMERCIAL GENERAL LIABILITY
LIMITATION WHEN TWO OR MORE POLICIES APPLY
CG T3 33 11 03Copyright, The Travelers Indemnity Company, 2003Page 1 of 1 Provisions 1.Injury, damage or loss might be covered by this policy and also by other policies issued to you by us or any Travelers affiliate. When these other policies contain a provision similar to this one, the amount we will pay is limited. The maximum that we will pay under all such policies combined is the highest limit that applies in any one of these policies. 2.This does not apply to any personal liability policy or to any Umbrella, Excess or Protective Liability Policy.
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
INTERLINEENDORSEMENTS
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
INTERLINEENDORSEMENTS
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.AMENDMENT OF COMMON POLICY CONDITIONS –PROHIBITED COVERAGE – UNLICENSED INSURANCEAND TRADE OR ECONOMIC SANCTIONSThis endorsement modifies insurance provided under the following:ALL COVERAGES INCLUDED IN THIS POLICY IL T4 12 03 15© 2014 The Travelers Indemnity Company. All rights reserved.Page 1 of 1 The following is added to the Common Policy Condi- tions: Prohibited Coverage – Unlicensed Insurance 1.With respect to loss sustained by any insured, or loss to any property, located in a country or juris- diction in which we are not licensed to provide this insurance, this insurance does not apply to the extent that insuring such loss would violate the laws or regulations of such country or jurisdic- tion. 2.We do not assume responsibility for: a.The payment of any fine, fee, penalty or other charge that may be imposed on any person or organization in any country or jurisdiction because we are not licensed to provide insur-ance in such country or jurisdiction; or b. The furnishing of certificates or other evi- dence of insurance in any country or jurisdic- tion in which we are not licensed to provide insurance. Prohibited Coverage – Trade Or Economic Sanc- tions We will provide coverage for any loss, or otherwise will provide any benefit, only to the extent that provid- ing such coverage or benefit does not expose us or any of our affiliated or parent companies to: 1.Any trade or economic sanction under any law or regulation of the United States of America; or 2.Any other applicable trade or economic sanction, prohibition or restriction.
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D The following is added to this policy. This provision can limit coverage for any loss arising out of a "certified act of terrorism" if such loss is otherwise covered by this policy. This provision does not apply if and to the extent that coverage for the loss is excluded or limited by an exclusion or other coverage limitation for losses arising out of "certified acts of terrorism" in another endorsement to this policy.If aggregate insured losses attributable to "certified acts of terrorism" exceed $100 billion in a calendar year and we have met our insurer deductible under "TRIA", we will not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion, and in such case, insured losses up to that amount are subject to pro rata allocation in accordance with procedures established by the Secretary of the Treasury. "Certified act of terrorism" means an act that is certified by the Secretary of the Treasury, in accordance with the provisions of "TRIA", to be an act of terrorism pursuant to "TRIA". The criteria contained in "TRIA" for a "certified act of terrorism" include the following:1.The act resulted in insured losses in excess of $5 million in the aggregate, attributable to all types of insurance subject to "TRIA"; and2.The act is a violent act or an act that is dangerous to human life, property or infrastructure and is committed by an individual or individuals as part of an effort to coerce the civilian population of theUnited States or to influence the policy or affect the conduct of the United States Government by coercion."TRIA" means the federal Terrorism Risk Insurance Act of 2002 as amended.
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISMThis endorsement modifies insurance provided under the following:BOILER AND MACHINERY COVERAGE PARTCOMMERCIAL GENERAL LIABILITY COVERAGE PARTCOMMERCIAL INLAND MARINE COVERAGE PARTCOMMERCIAL PROPERTY COVERAGE PARTCYBERFIRST ESSENTIALS GENERAL PROVISIONS FORMCYBERFIRST GENERAL PROVISIONS FORMDELUXE PROPERTY COVERAGE PARTEMPLOYEE BENEFITS LIABILITY COVERAGE PARTEMPLOYMENT-RELATED PRACTICES LIABILITY COVERAGE PARTEMPLOYMENT PRACTICES LIABILITY+ WITH IDENTITY FRAUD EXPENSE REIMBURSEMENTCOVERAGE PARTENVIRONMENTAL HAZARD POLICYEQUIPMENT BREAKDOWN COVERAGE PARTEXCESS FOLLOW-FORM AND UMBRELLA LIABILITY INSURANCEEXCESS (FOLLOWING FORM) LIABILITY INSURANCELAW ENFORCEMENT LIABILITY COVERAGE PARTLIQUOR LIABILITY COVERAGE PARTMANUFACTURERS ERRORS AND OMISSIONS LIABILITY COVERAGE PARTMEDFIRST PRODUCTS/COMPLETED OPERATIONS, ERRORS AND OMISSIONS, ANDINFORMATION SECURITY LIABILITY COVERAGE FORMOWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PARTPRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PARTPUBLIC ENTITY MANAGEMENT LIABILITY COVERAGE PARTRAILROAD PROTECTIVE LIABILITY COVERAGE PARTSPECIAL PROTECTIVE AND HIGHWAY LIABILITY POLICY - NEW YORK DEPARTMENT OF TRANSPORTATIONTRAVELERS PROPERTY COVERAGE PARTTRIBAL BUSINESS MANAGEMENT LIABILITY COVERAGE PARTAny other Coverage Part or Coverage Form included in this policy that is subject to the federal TerrorismRisk Insurance Act of 2002 as amended IL T4 14 01 21© 2020 The Travelers Indemnity Company. All rights reserved.Page 1 of 1Includes copyrighted material of Insurance Services Office, Inc. with its permission.
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.PROTECTION OF PROPERTY IL T4 40 10 20© 2020 The Travelers Indemnity Company. All rights reserved.Page 1 of 1 This endorsement modifies insurance provided under the following: COMMERCIAL PROPERTY COVERAGE PARTDELUXE PROPERTY COVERAGE PARTThe insurance provided under this Coverage Part fordirect physical loss of or damage to Covered Property at the described premises is extended to include the following Additional Coverage:Protection of PropertyWe will pay the necessary and reasonable expenses actually incurred by you to temporarily safeguard Covered Property at the described premises against the threat of imminent covered direct physical loss or damage by a "specified cause of loss", subject to the following:1.This Additional Coverage only applies toexpenses incurred within 72 hours before the time the imminent "specified cause of loss" is reasonably likely to begin to cause direct physical loss or damage to the Covered Property.2.This Additional Coverage does not apply to any expenses:(a)To which any Preservation of Property coverage in this Coverage Part may apply; or(b)For maintenance that reasonably should have been performed in the absence of any threat of imminent covered direct physical loss or damage by a "specified cause of loss".3.The most we will pay under this Additional Coverage for all expenses arising out of all threats of imminent direct physical loss or damage by a "specified cause of loss" occurring during each separate 12-month period of this policy beginning with the effective date of this policy is:
(a)$5,000 at each of the described premises; and(b)$10,000 for all described premises.This is additional insurance.If the "specified cause of loss" from which the property is being safeguarded is subject to an aggregate limit of insurance (meaning the limit of insurance is the most we will pay for all loss or damage arising out of all occurrences of such "specified cause of loss" in any one annual period of this policy), the Limit of Insurance that applies to this Additional Coverage is not included in, and does not reduce, the aggregate Limit of Insurance that applies to such "specified cause of loss".4.This Additional Coverage is subject to the deductible that applies to loss or damage to the Covered Property by the "specified cause of loss" from which the property is being safeguarded.In the event the "specified cause of loss" from which the property is being safeguarded actually causes covered direct physical loss or damage to the Covered Property, the total of the deductible amounts applied under this Additional Coverage and under the coverage provided for such loss or damage to the Covered Property will not exceed the deductible that applies to the covered loss or damage to the Covered Property by the "specified cause of loss".
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D IL T3 82 05 13 Page 1 of 1
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.EXCLUSION OF LOSS DUE TO VIRUS OR BACTERIA © 2013 The Travelers Indemnity Company. All rights reserved.Includes copyrighted material of Insurance Services Office, Inc. with its permission.
This endorsement modifies insurance provided under the following: COMMERCIAL PROPERTY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART FARM COVERAGE PART A.The exclusion set forth in Paragraph B. applies to all coverage under all forms and endorsements that comprise this Coverage Part or Policy, in- cluding but not limited to forms or endorsements that cover property damage to buildings or per- sonal property and forms or endorsements that cover business income, extra expense, rental value or action of civil authority. B.We will not pay for loss or damage caused by or resulting from any virus, bacterium or other mi- croorganism that induces or is capable of induc- ing physical distress, illness or disease. C.With respect to any loss or damage subject to the exclusion in Paragraph B., such exclusion super- sedes any exclusion relating to "pollutants". D.The terms of the exclusion in Paragraph B., or the inapplicability of this exclusion to a particular loss, do not serve to create coverage for any loss that would otherwise be excluded under this Coverage Part or Policy.
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D ENDORSEMENTTHIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.NUCLEAR ENERGY LIABILITY EXCLUSION(Broad Form)This endorsement modifies insurance provided under the following:COMMERCIAL AUTOMOBILE COVERAGE PARTCOMMERCIAL GENERAL LIABILITY COVERAGE PARTFARM COVERAGE PARTLIQUOR LIABILITY COVERAGE PARTMEDICAL PROFESSIONAL LIABILITY COVERAGE PARTOWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PARTPOLLUTION LIABILITY COVERAGE PARTPRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PARTRAILROAD PROTECTIVE LIABILITY COVERAGE PARTUNDERGROUND STORAGE TANK POLICY IL 00 21 09 08© ISO Properties, Inc., 2007Page 1 of 2
1.The insurance does not apply: A. Under any Liability Coverage, to "bodily in- jury" or "property damage": (1) With respect to which an "insured" under the policy is also an insured under a nu- clear energy liability policy issued by Nu- clear Energy Liability Insurance Associa- tion, Mutual Atomic Energy Liability Un- derwriters, Nuclear Insurance Association of Canada or any of their successors, or would be an insured under any such pol- icy but for its termination upon exhaustion of its limit of liability; or (2) Resulting from the "hazardous properties" of "nuclear material" and with respect to which (a) any person or organization is required to maintain financial protection pursuant to the Atomic Energy Act of 1954, or any law amendatory thereof, or (b) the "insured" is, or had this policy not been issued would be, entitled to indem- nity from the United States of America, or any agency thereof, under any agreement entered into by the United States of America, or any agency thereof, with any person or organization. B. Under any Medical Payments coverage, to expenses incurred with respect to "bodily in- jury" resulting from the "hazardous properties" of "nuclear material" and arising out of the operation of a "nuclear facility" by any person or organization. C. Under any Liability Coverage, to "bodily in- jury" or "property damage" resulting from "hazardous properties" of "nuclear material", if: (1) The "nuclear material" (a) is at any "nu- clear facility" owned by, or operated by or on behalf of, an "insured" or (b) has been discharged or dispersed therefrom; (2) The "nuclear material" is contained in "spent fuel" or "waste" at any time pos- sessed, handled, used, processed, stored, transported or disposed of, by or on behalf of an "insured"; or (3) The "bodily injury" or "property damage" arises out of the furnishing by an "in- sured" of services, materials, parts or equipment in connection with the plan- ning, construction, maintenance, opera- tion or use of any "nuclear facility", but if such facility is located within the United States of America, its territories or pos- sessions or Canada, this exclusion (3) applies only to "property damage" to such "nuclear facility" and any property thereat. 2. As used in this endorsement:"Hazardous properties" includes radioactive, toxic or explosive properties. "Nuclear material" means "source material", "spe- cial nuclear material" or "by-product material". "Source material", "special nuclear material", and "by-product material" have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof. "Spent fuel" means any fuel element or fuel com- ponent, solid or liquid, which has been used or exposed to radiation in a "nuclear reactor".
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
"Waste" means any waste material (a) containing "by-product material" other than the tailings or wastes produced by the extraction or concentra- tion of uranium or thorium from any ore proc- essed primarily for its "source material" content, and (b) resulting from the operation by any per- son or organization of any "nuclear facility" in- cluded under the first two paragraphs of the defi- nition of "nuclear facility". "Nuclear facility" means: (a)Any "nuclear reactor"; (b) Any equipment or device designed or used for (1) separating the isotopes of uranium or plutonium, (2) processing or utilizing "spent fuel", or (3) handling, processing or packaging "waste"; (c) Any equipment or device used for the processing, fabricating or alloying of "special nuclear material" if at any time the total amount of such material in the custody of the "insured" at the premises where such equipment or device is lo- cated consists of or contains more than 25 grams of plutonium or uranium 233 or any combination thereof, or more than 250 grams of uranium 235; (d) Any structure, basin, excavation, prem- ises or place prepared or used for the storage or disposal of "waste"; and includes the site on which any of the forego- ing is located, all operations conducted on such site and all premises used for such operations. "Nuclear reactor" means any apparatus designed or used to sustain nuclear fission in a self- supporting chain reaction or to contain a critical mass of fissionable material. "Property damage" includes all forms of radioac- tive contamination of property.
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.CALIFORNIA CHANGESThis endorsement modifies insurance provided under the following: COMMERCIAL INLAND MARINE COVERAGE PARTCOMMERCIAL PROPERTY COVERAGE PARTEQUIPMENT BREAKDOWN COVERAGE PARTFARM COVERAGE PART – FARM PROPERTY – OTHER FARM PROVISIONS FORM – ADDITIONAL COVERAGES, CONDITIONS, DEFINITIONSFARM COVERAGE PART – LIVESTOCK COVERAGE FORMFARM COVERAGE PART – MOBILE AGRICULTURAL MACHINERY AND EQUIPMENT COVERAGE FORMSTANDARD PROPERTY POLICYA.When this endorsement is attached to the Standard Property Policy CP 00 99 the term Coverage Part in this endorsement is replaced by the term Policy. B.The Concealment, Misrepresentation Or Fraud Condition is replaced by the following with respect to loss ("loss") or damage caused by fire:We do not provide coverage to the insured ("insured") who, whether before or after a loss ("loss"), has committed fraud or intentionally concealed or misrepresented any material fact or circumstance concerning:1.This Coverage Part;2.The Covered Property;3.That insured's ("insured's") interest in the Covered Property; or4.A claim under this Coverage Part or Coverage Form.C.The Concealment, Misrepresentation Or Fraud Condition is replaced by the following with respect to loss ("loss") or damage caused by a Covered Cause of Loss other than fire:This Coverage Part is void if any insured ("insured"), whether before or after a loss ("loss"), has committed fraud or intentionally concealed or misrepresented any material fact or circumstance concerning:1.This Coverage Part; 2.The Covered Property; 3.An insured's ("insured's") interest in the Covered Property; or 4.A claim under this Coverage Part or Coverage Form.
D.Except as provided in E., the Appraisal Condition is replaced by the following:If we and you disagree on the value of the property or the actual cash value or the amount of loss ("loss"), either may make written request for an appraisal of the loss ("loss"). In this event, each party will select a competent and impartial appraiser. However, in the event of a government-declared disaster, as defined in the Government Code, appraisal may be requested by either you or us but shall not be compelled. Each party shall notify the other of the appraiser selected within 20 days of the request. The two appraisers will select an umpire. If they cannot agree within 15 days, either may request that selection be made by a judge of a court having jurisdiction. The appraisers will state separately the value of the property and actual cash value and amount of loss ("loss"). If they fail to agree, they will submit their differences to the umpire. A decision agreed to by any two will set the amount of actual cash value and loss ("loss") and will be binding. Each party will:1.Pay its chosen appraiser; and2.Bear the other expenses of the appraisal and umpire equally.If there is an appraisal, we will still retain our right to deny the claim.E.The Appraisal Condition in:1.Business Income (And Extra Expense) Coverage Form CP 00 30; and2.Business Income (Without Extra Expense) Coverage Form CP 00 32;is replaced by the following:
IL 01 04 07 20© Insurance Services Office, Inc., 2020Page 1 of 2 Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
If we and you disagree on the amount of Net Income and operating expense or the amount of loss, either may make written request for an appraisal of the loss. If the request is accepted, each party will select a competent and impartial appraiser. Each party shall notify the other of the appraiser selected within 20 days of the request. The two appraisers will select an umpire. If they cannot agree within 15 days, either may request that selection be made by a judge of a court having jurisdiction. The appraisers will state separately the amount of Net Income and operating expense or amount of loss. If they fail to agree, they will submit their differences to the umpire. A decision agreed to by any two will be binding. Each party will:a.Pay its chosen appraiser; andb.Bear the other expenses of the appraisal and umpire equally.If there is an appraisal, we will still retain our right to deny the claim.
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.CALIFORNIA CHANGES – CANCELLATIONAND NONRENEWALThis endorsement modifies insurance provided under the following: CAPITAL ASSETS PROGRAM (OUTPUT POLICY) COVERAGE PARTCOMMERCIAL AUTOMOBILE COVERAGE PARTCOMMERCIAL GENERAL LIABILITY COVERAGE PARTCOMMERCIAL INLAND MARINE COVERAGE PARTCOMMERCIAL PROPERTY COVERAGE PARTCRIME AND FIDELITY COVERAGE PARTEMPLOYMENT-RELATED PRACTICES LIABILITY COVERAGE PARTEQUIPMENT BREAKDOWN COVERAGE PARTFARM COVERAGE PARTLIQUOR LIABILITY COVERAGE PARTMEDICAL PROFESSIONAL LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PARTPRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PARTA.Paragraphs 2. and 3. of the CancellationCommon Policy Condition are replaced by the following:2.All Policies In Effect For 60 Days Or LessIf this policy has been in effect for 60 days or less, and is not a renewal of a policy we have previously issued, we may cancel this policy by mailing or delivering to the first Named Insured, at the mailing address shown in the policy, and to the producer of record, advance written notice of cancellation, stating the reason for cancellation, at least:a.10 days before the effective date of cancellation if we cancel for:(1)Nonpayment of premium; or(2)Discovery of fraud by:(a)Any insured or his or her representative in obtaining this insurance; or(b)You or your representative in pursuing a claim under this policy. b.30 days before the effective date of cancellation if we cancel for any other reason.3.All Policies In Effect For More Than 60 Days a.If this policy has been in effect for more than 60 days, or is a renewal of a policy we issued, we may cancel this policy only upon the occurrence, after the effective date of the policy, of one or more of the following: (1)Nonpayment of premium, including payment due on a prior policy we issued and due during the current policy term covering the same risks. (2)Discovery of fraud or material misrepresentation by: (a)Any insured or his or her representative in obtaining this insurance; or (b)You or your representative in pursuing a claim under this policy. (3)A judgment by a court or an administrative tribunal that you have violated a California or Federal law, having as one of its necessary elements an act which materially increases any of the risks insured against. (4)Discovery of willful or grossly negligent acts or omissions, or of any violations of state laws or regulations establishing safety standards, by you or your representative, which materially increase any of the risks insured against. IL 02 70 07 20© Insurance Services Office, Inc., 2020Page 1 of 4 Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
(5)Failure by you or your representative to implement reasonable loss control requirements, agreed to by you as a condition of policy issuance, or which were conditions precedent to our use of a particular rate or rating plan, if that failure materially increases any of the risks insured against. (6)A determination by the Commissioner of Insurance that the: (a)Loss of, or changes in, our reinsurance covering all or part of the risk would threaten our financial integrity or solvency; or (b)Continuation of the policy coverage would: (i)Place us in violation of California law or the laws of the state where we are domiciled; or (ii)Threaten our solvency.(7)A change by you or your representative in the activities or property of the commercial or industrial enterprise, which results in a materially added, increased or changed risk, unless the added, increased or changed risk is included in the policy. b.We will mail or deliver advance written notice of cancellation, stating the reason for cancellation, to the first Named Insured, at the mailing address shown in the policy, and to the producer of record, at least: (1)10 days before the effective date of cancellation if we cancel for nonpayment of premium or discovery of fraud; or(2)30 days before the effective date of cancellation if we cancel for any other reason listed in Paragraph 3.a.B.The following provision is added to the Cancellation Common Policy Condition: 7.Residential Property This provision applies to coverage on real property which is used predominantly for residential purposes and consisting of not more than four dwelling units, and to coverage on tenants' household personal property in a residential unit, if such coverage is written under one of the following:
Commercial Property Coverage Part Farm Coverage Part – Farm Property – Farm Dwellings, Appurtenant Structures And Household Personal Property Coverage Forma.If such coverage has been in effect for 60 days or less, and is not a renewal of coverage we previously issued, we may cancel this coverage for any reason, except as provided in b. and c. below. b.We may not cancel this policy solely because the first Named Insured has:(1)Accepted an offer of earthquake coverage; or(2)Cancelled or did not renew a policy issued by the California Earthquake Authority (CEA) that included an earthquake policy premium surcharge.However, we shall cancel this policy if the first Named Insured has accepted a new or renewal policy issued by the CEA that includes an earthquake policy premium surcharge but fails to pay the earthquake policy premium surcharge authorized by the CEA.c.We may not cancel such coverage solely because corrosive soil conditions exist on the premises. This restriction (c.) applies only if coverage is subject to one of the following, which exclude loss or damage caused by or resulting from corrosive soil conditions: (1)Commercial Property Coverage Part – Causes Of Loss – Special Form; or (2)Farm Coverage Part – Causes Of Loss Form – Farm Property, Paragraph D. Covered Causes Of Loss – Special. d.If a state of emergency under California Law is declared and the residential property is located in any ZIP Code within or adjacent to the fire perimeter, as determined by California Law, we may not cancel this policy for one year, beginning from the date the state of emergency is declared, solely because the dwelling or other structure is located in an area in which a wildfire has occurred. However, we may cancel:
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D (1)When you have not paid the premium, at any time by letting you know at least 10 days before the date cancellation takes effect;(2)If willful or grossly negligent acts or omissions by the Named Insured, or his or her representatives, are discovered that materially increase any of the risks insured against; or(3)If there are physical changes in the property insured against, beyond the catastrophe-damaged condition of the structures and surface landscape, which result in the property becoming uninsurable.C.The following is added and supersedes any provisions to the contrary: Nonrenewal1.Subject to the provisions of Paragraphs C.2.and C.3. below, if we elect not to renew this policy, we will mail or deliver written notice, stating the reason for nonrenewal, to the first Named Insured shown in the Declarations, and to the producer of record, at least 60 days, but not more than 120 days, before the expiration or anniversary date. We will mail or deliver our notice to the first Named Insured, and to the producer of record, at the mailing address shown in the policy. 2.Residential Property This provision applies to coverage on real property used predominantly for residential purposes and consisting of not more than four dwelling units, and to coverage on tenants' household property contained in a residential unit, if such coverage is written under one of the following: Commercial Property Coverage Part Farm Coverage Part – Farm Property – Farm Dwellings, Appurtenant Structures And Household Personal Property Coverage Forma.If this policy provides coverage as described in the preceding paragraph, and we elect not to renew this policy, we will mail or deliver written notice, stating the reason for nonrenewal, to the first Named Insured shown in the Declarations, and to the producer recordat the mailing address shown in the policy, at least 75 days, but not more than 120 days, before the expiration or anniversary date.If we fail to give the first Named Insured shown in the Declarations notice of nonrenewal at least 75 days prior to the policy expiration, as required in the paragraph above, this policy, with no change in its terms and conditions, shall remain in effect for 75 days from the date that the notice of nonrenewal is delivered or mailed to the Named Insured. A notice to this effect shall be provided by us to the first Named Insured with the notice of nonrenewal.b.We may elect not to renew such coverage for any reason, except as provided in Paragraphs c., d. and e.below.c.We will not refuse to renew such coverage solely because the first Named Insured has accepted an offer of earthquake coverage. However, the following applies only to insurers who are associate participating insurers as established by Cal. Ins. Code Section 10089.16. We may elect not to renew such coverage after the first Named Insured has accepted an offer of earthquake coverage, if one or more of the following reasons applies: (1)The nonrenewal is based on sound underwriting principles that relate to the coverages provided by this policy and that are consistent with the approved rating plan and related documents filed with the Department of Insurance as required by existing law; (2)The Commissioner of Insurance finds that the exposure to potential losses will threaten our solvency or place us in a hazardous condition. A hazardous condition includes, but is not limited to, a condition in which we make claims payments for losses resulting from an earthquake that occurred within the preceding two years and that required a reduction in policyholder surplus of at least 25% for payment of those claims; or IL 02 70 07 20© Insurance Services Office, Inc., 2020Page 3 of 4 Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
(3)We have:(a)Lost or experienced a substantial reduction in the availability or scope of reinsurance coverage; or(b)Experienced a substantial increase in the premium charged for reinsurance coverage of our residential property insurance policies; and the Commissioner has approved a plan for the nonrenewals that is fair and equitable, and that is responsive to the changes in our reinsurance position.d.We will not refuse to renew such coverage solely because the first Named Insured has cancelled or did not renew a policy, issued by the California Earthquake Authority, that included an earthquake policy premium surcharge.e.We will not refuse to renew such coverage solely because corrosive soil conditions exist on the premises. This restriction (e.) applies only if coverage is subject to one of the following, which exclude loss or damage caused by or resulting from corrosive soil conditions:(1)Commercial Property Coverage Part – Causes Of Loss – Special Form; or (2)Farm Coverage Part – Causes Of Loss Form – Farm Property, Paragraph D. Covered Causes Of Loss – Special.f.If a state of emergency under California Law is declared and the residential property is located in any ZIP Code within or adjacent to the fire perimeter, as determined by California Law, we may not nonrenew this policy for one year, beginning from the date the state of emergency is declared, solely because the dwelling or other structure is located in an area in which a wildfire has occurred.
However, we may nonrenew:(1)If willful or grossly negligent acts or omissions by the Named Insured, or his or her representatives, are discovered that materially increase any of the risks insured against; (2)If losses unrelated to the postdisaster loss condition of the property have occurred that would collectively render the risk ineligible for renewal; or(3)If there are physical changes in the property insured against, beyond the catastrophe-damaged condition of the structures and surface landscape, which result in the property becoming uninsurable.3.We are not required to send notice of nonrenewal in the following situations: a.If the transfer or renewal of a policy, without any changes in terms, conditions or rates, is between us and a member of our insurance group. b.If the policy has been extended for 90 days or less, provided that notice has been given in accordance with Paragraph C.1.c.If you have obtained replacement coverage, or if the first Named Insured has agreed, in writing, within 60 days of the termination of the policy, to obtain that coverage. d.If the policy is for a period of no more than 60 days and you are notified at the time of issuance that it will not be renewed.e.If the first Named Insured requests a change in the terms or conditions or risks covered by the policy within 60 days of the end of the policy period. f.If we have made a written offer to the first Named Insured, in accordance with the timeframes shown in Paragraph C.1., to renew the policy under changed terms or conditions or at an increased premium rate, when the increase exceeds 25%.
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
POLICYHOLDER NOTICES
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D
POLICYHOLDER NOTICES
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D IMPORTANT NOTICE – PRODUCT AVAILABILITYPLEASE READ THIS NOTICE CAREFULLY.
PN MP 59 04 19© 2019 The Travelers Indemnity Company. All rights reserved.Page 1 of 1 You may be eligible for a policy in a newer product from one of our other Travelers companies. We determine the price for a policy differently for the newer product. For example, there are a number of additional variables used to determine the price, including those that are based on specific property perils. The newer product might cost you less or more than what you pay now. It may also have different product features from your current policy. You may continue with your current policy, or you may request a policy in the newer product. Travelers is here to help- -so contact your Travelers independent agent to discuss whether a different Travelers insurance policy is right for you.
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D IMPORTANT NOTICE – INDEPENDENT AGENT AND BROKERCOMPENSATION NO COVERAGE IS PROVIDED BY THIS NOTICE. THIS NOTICE DOES NOT AMEND ANY PROVISION OF YOUR POLICY. YOU SHOULD REVIEW YOUR ENTIRE POLICY CAREFULLY FOR COMPLETE INFORMATION ON THE COVERAGES PROVIDED AND TO DETERMINE YOUR RIGHTS AND DUTIES UNDER YOUR POLICY. PLEASE CONTACT YOUR AGENT OR BROKER IF YOU HAVE ANY QUESTIONS ABOUT THIS NOTICE OR ITS CONTENTS. IF THERE IS ANY CONFLICT BETWEEN YOUR POLICY AND THIS NOTICE, THE PROVISIONS OF YOUR POLICY PREVAIL. For information about how Travelers compensates independent agents and brokers, please visit www.travelers.com, call our toll-free telephone number 1-866-904-8348, or request a written copy from Marketing at One Tower Square, 2GSA, Hartford, CT 06183.
PN T4 54 01 08 Page 1 of 1
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D IMPORTANT NOTICEPROTECTIVE SAFEGUARDS ENDORSEMENT FOR SPRINKLERED LOCATIONS AND RESTAURANTS (MP T3 07 03 97)PLEASE READ THIS NOTICE CAREFULLY.YOUR POLICY INCLUDES A PROTECTIVE SAFEGUARDS ENDORSEMENT FOR SPRINKLERED LOCATIONS AND RESTAURANTS (MP T3 07 03 97). NO COVERAGE IS PROVIDED BY THIS NOTICE. THIS NOTICE DOES NOT AMEND ANY PROVISION OF YOUR POLICY. YOU SHOULD REVIEW YOUR ENTIRE POLICY CAREFULLY FOR COMPLETE INFORMATION ON THE COVERAGES PROVIDED AND TO DETERMINE YOUR RIGHTS AND DUTIES UNDER YOUR POLICY. PLEASE CONTACT YOUR AGENT OR LOCAL COMPANY REPRESENTATIVE IF YOU HAVE ANY QUESTIONS ABOUT THIS NOTICE OR ITS CONTENTS. IF THERE IS ANY CONFLICT BETWEEN YOUR POLICY AND ANY NOTICE YOU RECEIVE FROM US, THE PROVISIONS OF YOUR POLICY PREVAIL. The Protective Safeguards Endorsement included as part of your policy indicates that the building you own or occupy has an Automatic Sprinkler System or a protective system covering a cooking surface, or both. It is important to understand that, as a building owner or a tenant, you have certain duties as described within the Protective Safeguards Endorsement with respect to any protective device identified in the Protective Safeguards Endorsement schedule. Our obligation to pay for loss or damage caused by or resulting from fire is subject to the terms and conditions of the Protective Safeguards Endorsement. Please review the terms and conditions of the Protective Safeguards Endorsement carefully.
PN MP 57 04 17© 2017 The Travelers Indemnity Company. All rights reserved.Page 1 of 1 Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D Company NameSubmission or Policy Number: Important Information About Your California Wildfire Risk Classification Community-level Mitigation Measures:
Property-level Mitigation Measures:
5678 "Class-A Fire Rated Roof";9 "Enclosed eaves";10 "Fire-resistant vents";1112 Six inches of noncombustible vertical clearance at the bottom of the exterior surface of the building. 43 Cleared vegetation from under decks;
2. "Firewise USA Site in Good Standing";1. Fire Risk Reduction Community as listed by the Board of Forestry;Measure NumberMitigation Measure Description PN MP 64 10 23 Page of
In addition, your Wildfire Risk Classification Schedule also includes:1)The range of credit classifications that could be assigned to your properties;2)The relative position of your assigned credit classification within that range and the impact of the classification on your "wildfire premium"; and3)An explanation of why you received any assigned credit classification, as indicated in the Reasons for Specific "Wildfire Premium" Credit, below. If you believe you are eligible for any of the listed "wildfire premium" credits and your eligibility is not reflected in the Wildfire Risk Classification Schedule below, please contact your agent to report your eligibility.
Pursuant to Cal. Code Regs. § 2644.9, we are providing you with information regarding your wildfire risk classification. Your wildfire risk classification impacts your "wildfire premium" and is based on the community-level and property-level mitigation measures, shown below, completed at your buildings located in California, as shown on your Declarations or most recent Quote Proposal. You may be able to reduce your "wildfire premium" by completing the following property-level and community-level mitigation measures. The tables below identify, by number and description, the mitigation measures thatmay apply to your buildings located in California, as shown on your Declarations or most recent Quote Proposal:
Multipane windows, including dual pane windows, or functional shutters, which when closed, cover the entire window and do not have openings; Situated on property that complies with Section 4291 of the Public Resources Code, and any applicable ordinances, governing defensible space.Removal or absence of combustible structures from within 30 feet of the building, or removal or absence of combustible structures from as much of the area as is under your control; Only noncombustible materials used in improvements to any portion of the property that is within 5 feet of the building; Cleared vegetation, debris, mulch, stored combustible materials, and any and all movable combustible objects from within five feet of the building; 680-A2036190-25-42
13 TRAVELERS CASUALTY INSURANCE COMPANY OF AMERICA
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D Definitions:
Appeals Process:
[email protected], Attn Consumer AffairsOne Tower Square, 8MSHartford, CT 06183 For all other questions, please contact your agent or Travelers representative.Thank you for choosing Travelers to help you protect what matters most.
DNot provided as we did not receive confirmation that the building is eligible for the mitigation credit.CProvided as we received confirmation that the building is eligible for the mitigation credit.BA Reasons for Specific "Wildfire Premium" Credit PN MP 64 10 23 Page of
1."Class-A Fire Rated Roof" has the same meaning as in Chapter 7A California Building Code (2019) as modified by the July 2021 supplement thereto, codified at Section 705A. 1 of Part 2 of Title 24.2."Enclosed Eaves" are roof eaves that have either (1) boxed-in roof eave soffits with a horizontal underside or (2) an exterior covering applied to the underside of the rafter tails supporting the eaves, which covering is sloped corresponding to the slope of the rafter tails. Enclosed Eaves are thus distinguishable from open roof eaves, whose rafter tails are exposed. 3."Fire-Resistant Vents" has the same meaning as in the Chapter 7A California Building Code (2019) as modified by the July 2021 supplement thereto, codified at Sections 706A.1 and 706A.2 of Part 2 of Title 23. 4."Firewise USA Site in Good Standing" is a community that, at the time the building being evaluated is rated, is recognized as such by the National Fire Protection Association, a Massachusetts 501 (c)(3) corporation.5."Wildfire Premium" is a portion of the premium charged for wildfire within the total policy premium. We apply the wildfire mitigation credits only to that portion of the premium applicable to wildfire, and not to the total policy premium.If you have submitted evidence supporting your eligibility for a mitigation credit and still disagree with your wildfire risk classification, you have the right to appeal. You may contact us in one of the following ways to submit an appeal:
Not provided as we did not receive confirmation that the building is located in a qualifying Fire Risk Reduction Community or "Firewise USA Site in Good Standing". Provided as we received confirmation that the building is situated in a qualifying Fire Risk Reduction Community or "Firewise USA Site in Good Standing".
Email us at: Call us at: Write to us at:
23 Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D WILDFIRE RISK CLASSIFICATION SCHEDULE – BUILDINGS WITH NO MITIGATION Total Premium Credit:
Locations, as shown on your Declarations or most recent Quote Proposal Mitigation Measure:Maximum "Wildfire Premium" credit % possible:
Your "Wildfire Premium" credit % based on your classification:Reason for Specific "Wildfire Premium" credit:
123456789101112Wildfire
1% 0001/ 1% 0001 01% 01% 01% 01% 01% 01%1% 001%1% 001%12%0 PN MP 64 10 23 Page of 33
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D •••Then;
••••••Or;
•• REMINDER
IMPORTANT NOTICE –JURISDICTIONAL INSPECTIONS
Dear Policyholder;
If:You own or operate equipment that requires a certificate from a state or city to operate legally, andWe Insure that equipment under this Policy, andYou would like us to perform the next required inspection; When you call this number, our representative will ask you for the following information:Name of your business (as shown on this Policy)Policy NumberLocation where the equipment is located. Including Zip Code.Person to contact and phone number for scheduling of inspectionType of equipment requiring inspectionCertificate inspection date and certificate numberFill in the form on the reverse side of this notice and fax it to the toll-free number indicated on that form.Please note the following:Your jurisdiction may charge you a fee for renewing a certificate. It is your responsibility to pay such a fee.
PN MP 38 01 11 Page 1 of 2
NO COVERAGE IS PROVIDED BY THIS NOTICE. THIS NOTICE DOES NOT AMEND ANY PROVISION OF YOUR POLICY. YOU SHOULD REVIEW YOUR ENTIRE POLICY CAREFULLY FOR COMPLETE INFORMA- TION ON THE COVERAGES PROVIDED AND TO DETERMINE YOUR RIGHTS AND DUTIES UNDER YOUR POLICY. PLEASE CONTACT YOUR AGENT OR LOCAL COMPANY REPRESENTATIVE IF YOU HAVE ANY QUESTIONS ABOUT THIS NOTICE OR ITS CONTENTS. IF THERE IS ANY CONFLICT BETWEEN YOUR POLICY AND THIS NOTICE, THE PROVISIONS OF THE POLICY PREVAIL. Many states and some cities issue certificates permitting the continued operation of certain equipment such as boilers, water heaters, pressure vessels, etc. Periodic inspections are normally required to renew these certifi- cates. In most jurisdictions, insurance company employees who have been licensed are authorized to perform these inspections.
Call this toll-free number – 1-800-425-4119
All the provisions of the INSPECTIONS AND SURVEYS Condition apply to the inspections described in this notice.
If new equipment is installed or old equipment replaced that requires a jurisdictional inspection please let us know by calling our toll-free number listed above.
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D Business:(As Shown on Policy)Number:
City State ZipCode
Telephone Nuf ntact:mber oPerson to Co
Phone Number:
REQUEST FOR JURISDICTIONAL INSPECTIONName of
PolicyLocation of Equipment:
Person to Contact for Scheduling Inspection:
Equipment TypeCertificate NumberCertificate Expiration Date Fax Form to 1-877-764-9535Completed by:
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D POLICYHOLDERSIMPORTANT INFORMATION FOR MASTER PACDear Policyholder:Enclosed is your Travelers Master Pac Renewal Certificate. An asterisk on the Listing of Forms, Endorsements and Schedule Numbers, IL T8 01, indicates forms that are included with this year's renewal. Any forms previously attached to your policy that are not shown on that listing no longer apply.Please put the Certificate and the attached forms with your policy as soon as possible. If you have misplaced your policy, please contact your agent for a copy.
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D PN T0 53 12 13 Page 1 of 1
To Our Valued Customer, Each year, homeowners and business owners across the nation sustain significant weather-related property damage due to floods. These can include losses caused by waves, tidal waters, the overflow of a body of water, the rapid accumulation or runoff of surface water, and mudslide. In nearly all cases, these flood losses cannot be prevented or even anticipated. And, in many instances, the losses are devastating. Most standard property insurance policies, including most of our policies, do not provide coverage for flood losses. While flood coverage is often available – primarily through the National Flood Insurance Program – it is rarely purchased. Unfortunately, each year we find that some policyholders are surprised and disappointed to learn that damages they have suffered as a direct result of flood are not covered under the policies they have purchased. Please review your insurance coverage with your agent or Company representative. As you consider the need for flood insurance, keep in mind that floods can, and do, occur in locations all over the country. They are not limited to coastal areas or locations with nearby rivers or streams. Several inches of rain falling over a short period of time can cause flood damage, even in normally dry areas that are not prone to flooding. For further information about Flood Insurance, contact your agent or company representative, or contact the National Flood Insurance Program directly.
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D