Ifwearepreventedbylaw,orotherwise,fromdefending
theinsuredinasuitbroughtinalocationdescribedinParagraph 2.above,theinsuredwillconducta defense of thatsuit.Wewillreimbursetheinsuredforthe
reasonableandnecessaryexpensesincurredfor the
defenseof anysuchsuitseekingdamagesto whichthisinsuranceapplies,andthatwewouldhavepaidhad we been able to exercise our right and duty to defend.
GASOLINE POWERED AUTO
An autothatis designedto besolelypoweredby
petroleum-based fuel.
GREEN AUTO
An autothatis designedto be poweredby both
petroleum-basedfuelandelectricpower;or solelyby
electricity or any other renewable energy source.
LIGHT TRUCK
LightTruckmeansatruckwithagrossvehicleweight
rating of 10,000 pounds or less.
PRIVATE PASSENGER AUTO
PrivatePassengerAutomeansa four-wheelautoof
theprivatepassengerorstationwagontype.Apickup,
paneltruckor vannotusedfor businessis includedwithin the definition of a private passenger auto.
SOCIAL SERVICE VAN OR BUS
SocialServiceVanorBusmeansa vanorbusused
by a governmententity,civic,charitableor social
serviceorganizationtoprovidetransportationtoclientsincidentalto the socialservicessponsoredby the organization, including special trips and outings.
TELEMATIC DEVICE
TelematicDeviceincludesdevicesdesignedforthe
collectionanddisseminationofdataforthepurposeof
monitoringvehicleand/ordriverperformance.ThisincludesGlobalPositioningSystemtechnology,wireless safetycommunicationsandautomaticdrivingassistance
systems,all integratedwithcomputersandmobile
communicationstechnologyin automotivenavigationsystems.
VOLUNTEER WORKER
Volunteerworkermeansa personwhoperformsbusinessdutiesfor you,for no financialor other compensation.
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ElitePac®
General Liability Extension Endorsement
COMMERCIAL GENERAL LIABILITY
CG 73 00 06 22
SUMMARY OF COVERAGES (including index)
Thisisa summaryofthevariousadditionalcoveragesandcoveragemodificationsprovidedbythisendorsement.No coverageisprovidedbythissummary.Refertotheactualendorsement(Pages 3-through-9) forchangesaffectingyour insurance protection.
DESCRIPTION
Additional Insureds Primary and Non-Contributory Provision Blanket Additional Insureds As Required By Contract
· Owners, Lessees or Contractors (includes Architects, Engineers or Surveyors) · Lessors of Leased Equipment
· Managers or Lessors of Premises
· Mortgagees, Assignees and Receivers
· Any Other person or organization other than a joint venture · Grantors of Permits
PAGE FOUND
Broad Form Vendors Coverage
Damage To Premises Rented To You (Including Fire, Lightning or Explosion) Electronic Data Liability ($100,000)
Employee Definition Amended
Employees As Insureds Modified
Employer's Liability Exclusion Amended (Not applicable in New York) Incidental Malpractice Exclusion modified
Knowledge of Occurrence, Claim, Suit or Loss
Liberalization Clause
Mental Anguish Amendment (Not applicable to New York)
Newly Formed or Acquired Organizations
Non-Owned Aircraft
Non-Owned Watercraft (under 60 feet)
Not-for-profit Members as additional insureds
Personal And Advertising Injury Discrimination Amendment (Not applicable in New York) Products Amendment (Medical Payments)
Supplementary Payments Amended Bail Bonds ($5,000) and Loss of Earnings ($1,000) Two or More Coverage Parts or Policies Issued By Us
Unintentional Failure to Disclose Hazards
Waiver of Transfer of Rights of Recovery (subrogation)
When Two or More Coverage Parts of this Policy Apply to a Loss
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ElitePac®
General Liability Extension Endorsement
COMMERCIAL GENERAL LIABILITY
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THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
This endorsement modifies the insurance provided under the following:
COMMERCIAL GENERAL LIABILITY COVERAGE PART
The SECTIONSoftheCommercialGeneralLiabilityCoverageFormidentifiedinthisendorsementwillbeamendedas shownbelow.However, if(a)twoormoreCoveragePartsofthispolicy,or(b)twoormoreformsorendorsements withinthesameCoveragePartapplytoa loss,coverageprovision(s)withthebroadestlanguagewillapply,unless specifically stated otherwise within the particular amendment covering that loss.
Withrespecttocoverageprovidedbythisendorsement,theprovisionsoftheCoverageFormapplyunlessmodifiedby the endorsement.
COVERAGES Amendments
SECTIONI COVERAGEA BODILYINJURYAND
PROPERTY DAMAGE LIABILITY
EXCLUSIONS
Employer's Liability Amendment
(Thisprovisionis notapplicablein theStateof New
York).
Thefollowingis addedto Exclusion e. Employer's
Liabilityunder COVERAGEA BODILYINJURYAND
PROPERTY DAMAGE LIABILITY, 2. Exclusions:
Thisexclusionalsodoesnotapplyto any"temporary
worker".
Non-Owned Aircraft, Auto or Watercraft
A. Paragraph(2)of Exclusion g. Aircraft,AutoOr
Watercraftunder COVERAGEABODILYINJURY
AND PROPERTYDAMAGELIABILITY,2.
Exclusions is deletedin itsentiretyandreplaced
with the following:
(2)A watercraft you do not own that is:
(a)Lessthan26feetlongandnotbeingusedto
carry persons or property for a charge; or
(b)Atleast26feet,butlessthan60feetlong,
andnot beingusedto carrypersonsor
propertyfor a charge.Anypersonis an
insuredwhousesor is responsibleforthe
useofsuchwatercraftwithyourexpressed
orimpliedconsent.However,if theinsured
hasanyothervalidandcollectibleinsurance
for"bodilyinjury"or"propertydamage"that
wouldbecoveredunderthisprovision,oron
any otherbasis,this coverageis then
excess,andsubjectto Condition 4. Other
Insurance,b. ExcessInsuranceunder
SECTIONIVCOMMERCIALGENERAL
LIABILITY CONDITIONS.
B. Thefollowingis addedto Exclusion g. Aircraft,
AutoOrWatercraft underCOVERAGEABODILY
INJURYANDPROPERTYDAMAGELIABILITY,2.
Exclusions:
This exclusion does not apply to:
(6)Anyaircraft,not ownedor operatedby any
insured,whichishired,charteredorloanedwith
a paidcrew.However,if theinsuredhasany
othervalidandcollectibleinsurancefor"bodily
injury"or "propertydamage"that wouldbe
coveredunderthisprovision,or onanyother
basis,thiscoverageisthenexcess,andsubject
to Condition 4. OtherInsurance,b. Excess
Insurance under SECTION IV
COMMERCIAL GENERAL LIABILITY
CONDITIONS.
Damage To Premises Rented to You
A. Thelastparagraphof Paragraph 2. Exclusions
under COVERAGEA BODILYINJURYAND
PROPERTYDAMAGE isdeletedinitsentiretyand
replaced with the following:
Exclusions c. through n. do not apply to damage by
fire,lightningorexplosiontopremisesrentedtoyou
ortemporarilyoccupiedbyyouwiththepermission
oftheowner.Aseparatelimitofinsuranceapplies
to thiscoverageas describedin SECTIONIII -
LIMITS OF INSURANCE.
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B. Paragraph 6. under SECTIONIII LIMITSOF
INSURANCEis deletedinitsentiretyandreplaced
with the following:
6. SubjecttoParagraph 5.above,themostwewill
payunder COVERAGEA fordamagesbecause
of "propertydamage"to anyonepremises,
whilerentedto you,orin thecaseof damage
causedby fire, lightningor explosion,while
rentedto youor temporarilyoccupiedby you
withpermissionof the owner,for all such
damagecausedbyfire,lightningorexplosion
proximatelycausedbythesameevent,whether
suchdamageresultsfromfire, lightningor
explosionoranycombinationofthethree,isthe
amountshownin the Declarationsfor the
Damage To Premises Rented To You Limit.
C. Paragraph a. of Definition 9. "Insuredcontract"
under SECTIONVDEFINITIONSisdeletedinits
entirety and replaced with the following:
a. A contractfora leaseof premises.However,
thatportionof the contractfor a leaseof
premisesthat indemnifiesany personor
organizationfor damageby fire,lightningor
explosionto premiseswhilerentedto youor
temporarilyoccupiedbyyouwiththepermission
of the owner is not an "insured contract";
Electronic Data Liability
A. Exclusionp. Access or DisclosureOf
ConfidentialOr PersonalInformationAnd
Data-relatedLiability under COVERAGEA
BODILYINJURYAND PROPERTYDAMAGE
LIABILITY,2.Exclusionsisdeletedinitsentirety
and replaced by the following:
p. Accessor DisclosureOf ConfidentialOr
PersonalInformationAnd Data-related
Liability
Damages arising out of:
(1)Anyaccesstoordisclosureofanyperson's
or organization'sconfidentialor personal
information,includingpatents,tradesecrets,
processingmethods, customer lists,
financialinformation,creditcardinformation
oranyothertypeof nonpublicinformation;
or
(2)Thelossof, lossof useof, damageto,
corruptionof,inabilitytoaccess,orinability
tomanipulate"electronicdata"thatdoesnot
result from physicalinjury to tangible
property.
Thisexclusionappliesevenif damagesare
claimedfornotificationcosts,creditmonitoring
expenses,forensicexpenses,publicrelations
expensesor anyotherloss,costor expense
incurredby youor othersarisingoutof that
whichis describedin Paragraph (1) or (2)
above.
B. ThefollowingparagraphisaddedtoSECTIONIII
LIMITS OF INSURANCE:
Subjectto 5. above,themostwewillpayunder
COVERAGEAfor"propertydamage"becauseofall
lossof "electronicdata"arisingoutof anyone
"occurrence" is a sub-limit of $100,000.
SECTION I COVERAGE C MEDICAL PAYMENTS
EXCLUSIONS
Any Insured Amendment
Exclusion a. Any Insuredunder COVERAGEC
MEDICALPAYMENTS,2.Exclusionsisdeletedinits
entirety and replaced with the following:
a. Any Insured
To any insured.
This exclusion does not apply to:
(1)"Not-for-profit members";
(2)"Golfingfacility"memberswhoarenotpaida
fee, salary, or other compensation; or
(3)"Volunteer workers".
Thisexclusionexceptiondoesnotapplyif COVERAGE
C MEDICALPAYMENTSis excludedby another
endorsement to this Coverage Part.
Product Amendment
Exclusion f. Products-CompletedOperationsHazard
underCOVERAGEC MEDICALPAYMENTS,2.
Exclusions isdeletedinitsentiretyandreplacedwith
the following:
f. Products-Completed Operations Hazard
Includedwithinthe"products-completedoperations
hazard".
Thisexclusiondoesnotapplyto "yourproducts"
soldforuseorconsumptiononyourpremises,while
such products are still on your premises.
Thisexclusionexception,doesnotapplyif COVERAGE
C MEDICALPAYMENTSis excludedby another
endorsement to this Coverage Part.
SECTIONI SUPPLEMENTARYPAYMENTS
COVERAGES A AND B
Expenses For Bail Bonds And Loss Of Earnings
A. Subparagraph 1.b. under SUPPLEMENTARY
PAYMENTSCOVERAGESAANDB isdeleted
in its entirety and replaced with the following:
b. Upto $5,000for costof bailbondsrequired
becauseof accidentsor trafficlawviolations
arisingoutof theuseof anyvehicleto which
BodilyInjuryLiabilityCoverageapplies.Wedo
not have to furnish these bonds.
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B. Subparagraph 1.d. under SUPPLEMENTARY
PAYMENTSCOVERAGESAANDBisdeleted
in its entirety and replaced with the following:
d. Allreasonableexpensesincurredbytheinsured
atourrequesttoassistusintheinvestigationor
defenseof theclaimor "suit",includingactual
lossofearningsupto$1,000adaybecauseof
time off from work.
SECTION II WHO IS AN INSURED Amendments
Not-for-Profit Organization Members
Thefollowingparagraphis addedto SECTIONII
WHO IS AN INSURED:
Ifyouareanorganizationotherthanapartnership,joint
venture,or a limitedliabilitycompany,andyouarea
not-for-profitorganization,thefollowingareincludedas
additional insureds:
1. Your officials;
2. Your trustees;
3. Your members;
4. Your board members;
5. Your commission members;
6. Your agency members;
7. Your insurance managers;
8. Your elective or appointed officers; and
9. Your "not-for-profit members".
Howeveronlywithrespectto theirliabilityfor your
activities or activities they perform on your behalf.
Employees As Insureds Modified
A. Subparagraph 2.a.(1)(a)under SECTIONIIWHO
ISANINSUREDdoesnotapplyto"bodilyinjury"to
a "temporaryworker"causedbya co-"employee"
who is not a "temporary worker".
B. Subparagraph 2.a.(2) under SECTIONIIWHOIS
ANINSUREDdoesnotapplyto"propertydamage"
tothepropertyofa"temporaryworker"or"volunteer
worker"causedbya co-"employee"whois nota
"temporary worker" or "volunteer worker".
C. Subparagraph2.a.(1)(d)under SECTIONIIWHO
ISANINSUREDdoesnotapplyto "bodilyinjury"
causedbycardio-pulmonaryresuscitationorfirstaid
services administered by a co-"employee".
Withrespecttothisprovisiononly,Subparagraph (1) of
Exclusion2.e.Employer'sLiability underSECTIONI
COVERAGES,COVERAGEA BODILYINJURY
AND PROPERTY DAMAGE LIABILITY does not apply.
Newly Formed Or Acquired Organizations
A. Subparagraph 3.a.under SECTIONII WHOIS
ANINSUREDisdeletedinitsentiretyandreplaced
with the following:
a. Coverageunderthisprovisionis affordedonly
untilthe180thdayafteryouacquireorformthe
organizationor theendof thepolicyperiod,
whicheveris earlier.However,COVERAGEA
doesnotapplyto "bodilyinjury"or "property
damage"thatoccurredbeforeyouacquiredor
formed the organization.
B. Thefollowingparagraphisaddedto SECTION
II WHO IS AN INSURED, Paragraph 3:
If you are engagedin the businessof
constructionofdwellingsthreestoriesorlessin
height,orotherbuildingsthreestoriesorlessin
heightandlessthan25,000squarefeetinarea,
youwillalsobeaninsuredwithrespectto"your
work"only,for theperiodof timedescribed
above,for yourliabilityarisingout of the
conductof anypartnershipor jointventureof
whichyouareorwerea member,evenif that
partnershipor jointventureis notshownasa
NamedInsured.However,thisprovisiononly
appliesif youmaintainormaintainedaninterest
of at leastfiftypercentin thatpartnershipor
jointventurefortheperiodofthatpartnershipor
joint venture.
Thisprovisiondoesnotapplytoanypartnershiporjoint
venturethathasbeendissolvedorotherwiseceasedto
function for more than thirty-six months.
Withrespecttotheinsuranceprovidedbythisprovision,
NewlyFormedor AcquiredOrganizations,the
followingis addedto SECTIONIV COMMERCIAL
GENERALLIABILITY, Paragraph 4.OtherInsurance,
Subparagraph b. Excess Insurance:
The insuranceprovidedby this provision,Newly
FormedorAcquiredOrganizations,is excessover
anyotherinsuranceavailableto theinsured,whether
primary, excess, contingent or on any other basis.
(All other provisions of this section remain unchanged) BlanketAdditionalInsureds As RequiredBy
Contract
A. Subjectto the Primaryand Non-Contributory
provisionsetforthinthisendorsement, SECTIONII
WHOISANINSUREDisamendedtoincludeas
an additional insured:
1. Owners,Lesseesor Contractors/Architects,
Engineers and Surveyors
a. Anypersonor organizationforwhomyou
areperformingoperationswhenyouand
suchpersonororganizationhaveagreedin
a writtencontract,writtenagreementor
written permit that such person or
organizationbe addedas an additional
insuredonyourcommercialgeneralliability
policy; and
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b. Anyotherpersonororganization,including
anyarchitects,engineersorsurveyorsnot
engagedbyyou,whomyouarerequiredto
addas an additionalinsuredunderyour
policyin the contractor agreementin
Paragraph a. above:
Suchpersonor organizationis an additional
insuredonlywithrespecttoliabilityfor"bodily
injury","propertydamage"or "personaland
advertisinginjury"caused,in wholeorin part,
by:
(1)Your acts or omissions; or
(2)Theactsof omissionsof thoseactingon
your behalf;
in theperformanceofyourongoingoperations
performedfor the additionalinsuredin
Paragraph a., above.
However, this insurance does not apply to:
"Bodilyinjury","propertydamage"or"personal
and advertisinginjury"arisingout of the
renderingof, or the failureto render,any
professionalarchitectural,engineeringor
surveying services by or for you, including:
(1)The preparing,approving,or failingto
prepareorapprove,maps,shopdrawings,
opinions,reports,surveys,field orders,
change orders or drawings and
specifications; and
(2)Supervisory,inspection,architecturalor
engineering activities.
Professionalservicesdo notincludeservices
within construction means, methods,
techniques,sequencesand procedures
employedby you in connectionwith your
operationsin yourcapacityas a construction
contractor.
A personor organization'sstatusas an
additionalinsuredunderthisendorsementends
when your operationsfor the personor
organizationdescribedin Paragraph a. above
are completed.
2. Other Additional Insureds
Anyof thefollowingpersonsor organizations
with whomyou haveagreedin a written
contract,writtenagreementor writtenpermit
thatsuchpersonsororganizationsbeaddedas
an additionalinsuredon your commercial
general liability policy:
a. Lessors of Leased Equipment
Anypersonororganizationfromwhomyou
leaseequipment,butonlywithrespectto
liability for "bodily injury", "property
damage"or "personaland advertising
injury"caused,inwholeorin part,byyour
maintenance,operationoruseofequipment
leased to you by such personor
organization.
Withrespectto theinsuranceaffordedto
theseadditionalinsureds,this insurance
doesnotapplyto any"occurrence"which
takesplaceafter the equipmentlease
expires.
b. Managers or Lessors of Premises
Anypersonororganizationfromwhomyou
leasepremises,but onlywithrespectto
liability for "bodily injury", "property
damage"or "personaland advertising
injury"caused,inwholeorinpart,byyouor
thoseactingonyourbehalfin connection
withtheownership,maintenanceoruseof
that part of the premises leased to you.
This insurancedoesnot applyto any
"occurrence"whichtakesplaceafteryou
cease to be a tenant of that premises.
c. Mortgagees, Assignees or Receivers
Anypersonororganizationwithrespectto
theirliabilityas mortgagee,assigneeor
receiverandarisingoutof theownership,
maintenance or use of your premises.
This insurancedoesnot applyto any
"occurrence"whichtakesplaceafterthe
mortgageis satisfied,ortheassignmentor
receivership ends.
d. AnyPersonorOrganizationOtherThan
A Joint Venture
Anypersonor organization(otherthana
jointventureof whichyouarea member),
butonlywithrespectto liabilityfor"bodily
injury","propertydamage"or"personaland
advertisinginjury"caused,in wholeor in
part,byyouractsoromissionsortheactsof
omissionsofthoseactingonyourbehalfin
theperformanceofyourongoingoperations
or in connectionwithpropertyownedby
you.
e. State or GovernmentalAgencyor
PoliticalSubdivision Permitsor
Authorizations
Any stateor governmentalagencyor
subdivisionorpoliticalsubdivision,butonly
with respect to:
(1)Operationsperformedbyyouoronyour
behalf for which the state or
governmentalagencyor subdivisionor
politicalsubdivisionhasissuedapermit
or authorization; or
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(2)Thefollowinghazardsfor whichthe
state or governmentalagencyor
subdivisionor politicalsubdivisionhas
issueda permitor authorizationin
connectionwithpremisesyouown,rent
or controlandto whichthisinsurance
applies:
(a)Theexistence,maintenance,repair,
construction,erectionorremovalof
advertising signs, awnings,
canopies,cellar entrances,coal
holes, driveways, manholes,
marquees,hoist awayopenings,
sidewalkvaults,streetbannersor
decorations and similar exposures;
(b)The construction,erection or
removal of elevators; or
(c)Theownership,maintenanceoruse
of anyelevatorscoveredby this
insurance.
This insurance does not apply to:
i. "Bodily injury" or "property
damage" arising out of
operationsperformedfor the
federalgovernment,stateor
municipality; or
ii. "Bodily injury" or "property
damage"includedwithinthe
"products-completedoperations
hazard".
Withrespectto Paragraphs 2.b.through
2.d., this insurancedoesnot applyto
structuralalterations,newconstructionor
demolitionoperationsperformedby or on
behalf of such person or organization.
B. Theinsurancecovergeaffordedto theadditional
insureds in this coverage extension:
1. Doesnotapplyunlessthewrittencontractor
writtenagreementhas beensignedby the
NamedInsuredorwrittenpermitissuedpriorto
the "bodilyinjury"or "propertydamage"or
"personal and advertising injury";
2. Only applies to the extent permitted by law; and
3. Willnotbe broaderthanthatwhichyouare
requiredby the written contract,written
agreement,orwrittenpermittoprovidetosuch
additional insured.
C. Withrespectto theinsuranceaffordedto these
additionalinsureds,the followingis addedto
Section III Limits Of Insurance:
Themostwewillpayonbehalfof theadditional
insured is the amount of insurance:
1. Requiredby the writtencontract,written
agreementor writtenpermityouhaveentered
into with the additional insured; or
2. Availableunder the applicablelimits of
insurance;
whichever is less.
Theinsuranceprovidedbythisextensionshallnot
increase the applicable limits of insurance.
Broad Form Vendors Coverage
Subjectto the Primaryand Non-Contributory
provisionsetforthinthisendorsement, SECTIONII
WHOIS ANINSUREDis amendedto includeasan
additionalinsuredanypersonororganization(referred
to belowasvendor)forwhomyouhaveagreedin a
writtencontractor writtenagreementto provide
coverageasan additionalinsuredunderyourpolicy.
Suchpersonor organizationis an additionalinsured
onlywithrespectto"bodilyinjury"or"propertydamage"
arisingoutof "yourproducts"whicharedistributedor
soldin theregularcourseof thevendorsbusiness.
However,theinsuranceaffordedthevendordoesnot
apply to:
a. "Bodilyinjury"or "propertydamage"forwhich
the vendoris obligatedto paydamagesby
reasonoftheassumptionofliabilityinacontract
oragreement;howeverthisexclusiondoesnot
applyto liabilityfordamagesthatthevendor
wouldhavein theabsenceof thecontractor
agreement;
b. Any express warranty unauthorized by you;
c. Anyphysicalorchemicalchangeintheproduct
made intentionally by the vendor;
d. Repackaging,unlessunpackedsolelyfor the
purposeofinspection,demonstration,testing,or
thesubstitutionofpartsunderinstructionsfrom
themanufacturer,andthenrepackagedin the
original container;
e. Any failure to make such inspections,
adjustments,testsor servicingasthevendor
hasagreedto makeornormallyundertakesto
makein the usualcourseof businessin
connection with the sale of the product; or
f. Productswhich,afterdistributionorsalebyyou,
havebeenlabeledorre-labeledorusedasa
container,partofingredientofanyotherthingor
substancebyor forthevendor;howeverthis
insurancedoesnotapplytoanyinsuredperson
or organization,fromwhoyouhaveacquired
suchproducts,or any ingredient,part or
container,enteringinto, accompanyingor
containing such products.
Theprovisionsofthiscoverageextensiondonotapply
unlessthewrittencontractor writtenagreementhas
beensignedbytheNamedInsuredpriortothe"bodily
injury" or "property damage".
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Incidental Malpractice
Subparagraph 2.a.(1)(d)under SECTIONII WHOIS
ANINSUREDisdeletedinitsentiretyandreplacedwith
the following:
(d)Arisingoutof his or herprovidingor failingto
provide professional health care services.
Thisdoesnotapplytonurses,emergencymedical
techniciansor paramedicsif youarenotin the
businessor occupationof providingany such
professional services.
Thisalsodoesnotapplyto"bodilyinjury"causedby
cardio-pulmonaryresuscitationor firstaidservices
administered by a co-"employee".
ThisprovisiondoesnotapplyifyouareaSocialService
or Senior Living risk.
SECTIONIVCOMMERCIALGENERALLIABILITY
CONDITIONS Amendments
Knowledge Of Occurrence, Claim, Suit Or Loss
Thefollowingis addedtoParagraph 2.Dutiesin the
EventofOccurrence,Offense,ClaimorSuitunder
SECTIONIVCOMMERCIALGENERALLIABILITY
CONDITIONS:
Therequirementsunderthisparagraphdo notapply
until after the "occurrence" or offense is known to:
1. You, if you are an individual;
2. A partner, if you are a partnership;
3. An"executiveofficer"orinsurancemanager,if you
are a corporation;
4. Yourmembers,managersorinsurancemanager,if
you are a limited liability company; or
5. Your electedor appointedofficials,officers,
members,trustees,boardmembers,commission
members,agencymembers,or youradministrator
or your insurancemanagerif you are an
organizationotherthanapartnership,jointventure,
or limited liability company.
Primary and Non-Contributory Provision
The followingis addedto Paragraph4. Other
Insurance,b.ExcessInsuranceunder SECTIONIV
COMMERCIAL GENERAL LIABILITY CONDITIONS:
Thisinsuranceis primaryto andwe will not seek
contributionfromanyotherinsuranceavailableto an
additional insured under this policy provided that:
(1)Theadditionalinsuredis a NamedInsuredunder
such other insurance; and
(2)Youhaveagreedin a writtencontract,written
agreementor writtenpermitthatthisinsurance
wouldbeprimaryandwouldnotseekcontribution
fromanyotherinsuranceavailabletotheadditional
insured.
Unintentional Failure To Disclose Hazards
The following is added to Paragraph 6.
Representationsunder SECTION IV
COMMERCIAL GENERAL LIABILITY CONDITIONS:
However,if youshouldunintentionallyfailto disclose
anyexistinghazardsinyourrepresentationstousatthe
inceptiondateofthepolicy,orduringthepolicyperiod
inconnectionwithanyadditionalhazards,weshallnot
denycoverageunderthisCoveragePartbasedupon
such failure to disclose hazards.
Waiver Of Transfer Of Rights Of Recovery
Thefollowingis addedto Paragraph8. Transferof
RightsOf RecoveryAgainstOthersTo Usunder
SECTIONIVCOMMERCIALGENERALLIABILITY
CONDITIONS:
Wewillwaiveanyrightofrecoveryagainstapersonor
organizationbecauseofpaymentswemakeunderthis
CommercialGeneralLiabilityCoveragePart. This
waiverappliesonlyif theinsuredhasagreedinawritten
contract or written agreement to:
1. Waiveanyrightofrecoveryagainstthatpersonor
organization; or
2. Assumetheliabilityof thatpersonororganization
pursuanttoa writtencontractorwrittenagreement
that qualifies as an "insured contract"; and
3. Includesuchpersonororganizationasanadditional
insured on your policy.
Suchwaiverby us appliesonlyto thatpersonor
organizationidentifiedabove,andonlytotheextentthat
theinsuredhaswaiveditsrightofrecoveryagainstsuch
person or organization prior to loss.
Liberalization
Thefollowingconditionis addedto SECTIONIV
COMMERCIAL GENERAL LIABILITY CONDITIONS:
If we revisethis CoveragePartto providemore
coveragewithoutadditionalpremiumcharge,subjectto
ourfiledcompanyrules,yourpolicywillautomatically
providethe additionalcoverageas of thedaythe
revision is effective in your state.
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TwoorMoreCoveragePartsorPoliciesIssuedBy
Us
(ThisprovisionisnotApplicableinthestateofNewYork
or Wisconsin).
Thefollowingconditionis addedto SECTIONIV
COMMERCIAL GENERAL LIABILITY CONDITIONS:
It is ourintentionthatthevariouscoveragepartsor
policiesissuedtoyoubyus,oranycompanyaffiliated
withus,donotprovideanyduplicationor overlapof
coverage.Wehaveexerciseddiligenceto draftour
coveragepartsandpoliciesto reflectthisintention.
However,if the factsand circumstancesthat will
respondto anyclaimor "suit"giveriseto actualor
claimedduplicationoroverlapofcoveragebetweenthe
variouscoveragepartsorpoliciesissuedtoyoubyusor
anycompanyaffiliatedwithus,thelimitof insurance
underallsuchcoveragepartsorpoliciescombinedshall
not exceedthe highestapplicablelimit underthis
coverage,oranyoneof theothercoverageformsor
policies.
ThisconditiondoesnotapplytoanyExcessorUmbrella
policyissuedby us specificallyto applyas excess
insuranceoverthiscoveragepartorpolicytowhichthis
coverage part is attached.
SECTION V DEFINITIONS
Discrimination
(This provision does not apply in New York).
A. Thefollowingis addedto Definition 14."Personal
and advertising injury":
"Personaland advertisinginjury"also means
"discrimination"thatresultsininjurytothefeelings
or reputationof a naturalperson,howeveronlyif
such "discrimination" or humiliation is:
1. Not done by or at the direction of:
a. Theinsured;orb. Anyoneconsideredan
insuredunder SECTIONII WHOISAN
INSURED;
2. Notdoneintentionallytocauseharmtoanother
person.
3. Not directlyor indirectlyrelatedto the
employment,prospectiveemploymentor
terminationof employmentof anypersonor
persons by any insured.
4. Notarisingoutof any"advertisement"bythe
insured.
B. Thefollowingdefinitionisaddedto SECTIONV
DEFINITIONS:
"Discrimination" means:
a. Anyactor conductthatwouldbeconsidered
discriminationunderany applicablefederal,
state, or local statute, ordinance or law;
b. Anyact or conductthatresultsin disparate
treatmentof, or hasdisparateimpacton, a
person,becauseof thatperson'srace,religion,
gender,sexualorientation,age,disabilityor
physical impairment; or
c. Anyactorconductcharacterizedorinterpreted
as discriminationby a personbasedon that
person'srace, religion, gender, sexual
orientation,age, disability or physical
impairment.
It doesnotincludeactsorconductcharacterizedor
interpretedas sexual intimidationor sexual
harassment,orintimidationorharassmentbasedon
a person's gender.
Electronic Data
Thefollowingdefinitionis addedto SECTIONV
DEFINITIONS:
"Electronicdata"meansinformation,factsorprograms
storedasoron,createdorusedon,ortransmittedtoor
from computersoftware,includingsystemsand
applicationssoftware,hardorfloppydisks,CD-ROMS,
tapes,drives,cell,dataprocessingdevicesoranyother
mediawhichare usedwithelectronicallycontrolled
equipment.For thepurposeof the ElectronicData
Liabilitycoverageprovidedby this endorsement,
Definition 17. "Property damage" is deleted in its entirety and replaced by the following:
17."Property damage" means:
a. Physicalinjurytotangibleproperty,includingall
resultinglossof useof thatproperty.Allsuch
lossofuseshallbedeemedtooccuratthetime
of the physical injury that caused it; or
b. Lossof,lossofuseof,damageto,corruptionof,
inabilityto access,or inabilityto properly
manipulate"electronicdata",resultingfrom
physicalinjurytotangibleproperty.Allsuchloss
of"electronicdata"shallbedeemedtooccurat
the time of the "occurrence" that caused it.
ForthepurposeoftheElectronicDataLiabilitycoverage
providedbythisendorsement,"electronicdata"is not
tangible property.
Employee Amendment
Definition 5. "Employee"under SECTIONV
DEFINITIONSisdeletedinitsentiretyandreplacedby
the following:
5. "Employee"includesa "leasedworker",or a
"temporaryworker".IfyouareaSchool,"Employee"
also includes a student teacher.
Golfing Facility
Thefollowingdefinitionis addedto SECTIONV
DEFINITIONS:
"Golfingfacility"meansagolfcourse,golfclub,driving
range, or miniature golf course.
Copyright, 2021 Selective Insurance Company of America. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
CG 73 00 06 22
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Mental Anguish Amendment
(This provision does not apply in New York).
Definition 3. "Bodilyinjury"under SECTIONV
DEFINITIONSisdeletedinitsentiretyandreplacedwith
the following:
3. "Bodilyinjury"meansbodilyinjury,sicknessor
diseasesustainedby a person,includingdeath
resultingfromany of theseat any time.This
includesmentalanguishresultingfromanybodily
injury,sicknessordiseasesustainedbya person.
(InNewYork,mentalanguishhasbeendetermined
to be "bodily injury").
Not-for-profit Member
Thefollowingdefinitionis addedto SECTIONV
DEFINITIONS:
"Not-for-profitmember"meansa personwhois a
memberofa not-for-profitorganization,includingclubs
and churches,whoreceivesno financialor other
compensation.
INSURED'S COPY
CG 79 88 06 22Copyright, 2021 Selective Insurance Company of America. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
S 230349240000F
329
Contracting, Installation, Service and Repair
General Liability Extended ElitePac® Endorsement
COMMERCIAL GENERAL LIABILITY
CG 79 88 06 22
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
This endorsement modifies insurance provided under the following:
COMMERCIAL GENERAL LIABILITY COVERAGE PART
Withrespecttocoverageprovidedbythisendorsement,theprovisionsoftheCoverageFormapplyunlessmodifiedby the endorsement.
A. BLANKET ADDITIONAL INSUREDS
1. Ongoing Operations
SECTIONII WHOIS AN INSURED is
amended to include as an additional insured:
a. Anypersonor organizationforwhomyou
areperformingoperationswhenyouand
suchpersonororganizationhaveagreedin
a writtencontract,writtenagreementor
written permit that such person or
organizationbe addedas an additional
insuredonyourcommercialgeneralliability
policy; and
b. Anyotherpersonororganization,including
anyarchitects,engineersor surveyorsnot
engagedbyyou,whomyouarerequiredto
addas an additionalinsuredunderyour
policyin the contractor agreementin
Paragraph 1. above;
Suchpersonor organizationis an additional
insuredonlywithrespecttoliabilityarisingoutof
yourongoingoperationsperformedunderthat
contract,agreement,or permitwhen that
contract,agreement,or permitrequiresthe
additionalinsuredbe addedwithrespectto
liability arising out of your ongoing operations.
If the writtencontract,writtenagreement,or
writtenpermitdoes not requirethat the
additionalinsuredbe addedwithrespectto
liabilityarisingoutofyourongoingoperations,
thensuchpersonororganizationisanadditional
insuredonlywithrespectto "bodilyinjury",
"propertydamage"or"personalandadvertising
injury"causedin wholeor in partby your
ongoingoperationsperformedunder that
contract, agreement, or permit.
2. Completed Operations
SECTIONII WHOISANINSURED isamended
to include as an additional insured:
a. Anypersonor organizationforwhomyouare
performingorhaveperformedoperationswhen
you andsuchpersonor organizationhave
agreedina writtencontract,writtenagreement
or written permit that such personor
organizationbeaddedasanadditionalinsured
on your commercial general liability policy; and
b. Anyotherpersonororganization,includingany
architects,engineersorsurveyorsnotengaged
byyou,whomyouarerequiredto addasan
additionalinsuredunderyourpolicyin the
contract or agreement in Paragraph 1. above;
Suchpersonororganizationisanadditionalinsured
onlywithrespecttotheirliabilityarisingoutof"your
work"performedunderthatcontract,agreement,or
permitand includedin the "productscompleted
operationshazard"whenthatcontract,agreement,
orpermitrequirestheadditionalinsuredbeadded
withrespectto liabilityarisingoutof "yourwork"
performedunderthatcontract,agreement,orpermit
andincludedin the"productscompletedoperations
hazard".
If thewrittencontract,writtenagreement,orwritten
permitdoesnotrequirethattheadditionalinsured
beaddedwithrespecttoliabilityarisingoutof"your
work"performedunderthatcontract,agreement,or
permitand includedin the "productscompleted
operationshazard",then such person or
organizationis an additionalinsuredonlywith
respectto liabilityfor "bodilyinjury","property
damage"or "personaland advertisinginjury"
caused,in wholeor in part, by "yourwork"
performedunderthatcontract,agreement,orpermit
andincludedin the"productscompletedoperations
hazard".
INSURED'S COPY
CG 79 88 06 22Copyright, 2021 Selective Insurance Company of America. All rights reserved.
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3. Theinsuranceaffordedtotheadditionalinsuredsin
Paragraphs 1. and 2. above:
a. Doesnotapplyunlessthewrittencontractor
writtenagreementhasbeensignedby the
NamedInsuredorwrittenpermitissuedpriorto
the "bodilyinjury","propertydamage"or
"personal and advertising injury";
b. Only applies to the extent permitted by law; and
c. Willnotbe broaderthanthatwhichyouare
requiredby the writtencontract,written
agreement,orwrittenpermittoprovidetosuch
additional insured.
4. Exclusions
a. Withrespectto the insuranceaffordedto
additionalinsureds under a. Ongoing
Operations the followingis addedto 2.
Exclusionsunder SECTIONI COVERAGE
A BODILYINJURYAND PROPERTY
DAMAGE LIABILITY:
Thisinsurancedoesnotapplyto"bodilyinjury",
"propertydamage",or"personalandadvertising
injury" occurring after:
(1)All work, includingmaterials,parts or
equipmentfurnishedinconnectionwithsuch
work,on theproject(otherthanservice,
maintenanceorrepairs)tobeperformedby
oronbehalfoftheadditionalinsured(s)at
thesiteofthecoveredoperationshasbeen
completed; or
(2)Thatportionof"yourwork"outofwhichthe
injuryordamageariseshasbeenputtoits
intendedusebyanypersonororganization
other than another contractor or
subcontractorengagedin performing
operationsfora principalasa partof the
same project.
b. Withrespecttotheinsuranceaffordedtothese
additionalinsureds under a. Ongoing
Operations andb.CompletedOperations,the
followingis addedto 2. Exclusions under
SECTIONI COVERAGEA BODILY
INJURY AND PROPERTYDAMAGE
LIABILITY:
This insurance does not apply to:
"Bodilyinjury","propertydamage",or"personal
and advertisinginjury"arisingout of the
rendering of, or the failure to render, any professionalarchitectural,engineeringor
surveying services, including:
(1)The preparing,approving,or failingto
prepareor approve,maps,shopdrawings,
opinions,reports,surveys,field orders,
change orders or drawings and
specifications; or
(2)Supervisory,inspection,architecturalor
engineering activities.
5. Conditions
Withrespectto theinsuranceaffordedto these
additionalinsuredsunder a. OngoingOperations
and b. CompletedOperations the followingis
addedtoParagraph4.OtherInsurance,a.Primary
Insurance under SECTIONIV COMMERCIAL
GENERAL LIABILITY CONDITIONS:
Thisinsuranceis primaryto andwill not seek
contributionfromanyotherinsuranceavailabletoan
additional insured under this policy provided that:
a. Theadditionalinsuredis a NamedInsured
under such other insurance; and
b. Youhaveagreedin a writtencontract,written
agreementorwrittenpermitthatthisinsurance
would be primaryand would not seek
contributionfromanyotherinsuranceavailable
to the additional insured.
6. Withrespectto theinsuranceaffordedto these
additionalinsureds,the followingis addedto
Section III Limits Of Insurance:
Themostwewillpayonbehalfof theadditional
insured is the amount of insurance:
a. Requiredby the writtencontract,written
agreementor writtenpermityouhaveentered
into with the additional insured; or
b. Availableunder the applicablelimits of
insurance;
whichever is less.
Theinsuranceprovidedbythisprovisionshallnot
increase the applicable limits of insurance.
Copyright, 2021 Selective Insurance Company of America. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
CG 79 88 06 22
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S 230349240000F
331
B. PROPERTYDAMAGECARE,CUSTODYOR
CONTROL
1. Thefollowingis addedto Exclusionj. under
SECTIONI COVERAGEABODILYINJURY
AND PROPERTY DAMAGE LIABILITY:
Paragraphs (4) and (5)ofthisexclusiondonot
applyforthelimitedpurposeof providingthe
coverageandsublimitsof liabilityassetforth
below.
We will pay thosesumsthat the insured
becomeslegallyobligatedto payasdamages
because of "property damage" to:
(a)Personalproperty,includingkeys,in the
care, custody or control of an insured; and
(b)Thatparticularpartofrealpropertyonwhich
youor anycontractorsor subcontractors
workingdirectlyorindirectlyonyourbehalf
areperformingoperations,if the"property
damage" arises out of those operations.
Themostwewillpayundera.and b. abovein
anyone"occurrence"orforalldamagesduring
any one policy period is a sub-limit of $100,000.
Theselimitsareincludedinandnotinaddition
to the Limitsof Insuranceshownin the
Declarationsof the CommercialGeneral
Liability Policy.
Ourrightanddutytodefendtheinsuredagainst
any"suit"fordamagesunder a. and b.above
endswhenwehaveusedup the applicable
sub-limitofliabilityinthepaymentofjudgments
or settlements under it.
2. Withrespectthisprovisiononly,thefollowingis
addedto Definition17. under SECTIONV
DEFINITIONS:
"Propertydamage"alsoincludesadjustmentof
locksto fit newkeysor thecostof newlocks,
includingtheirinstallation,whenreplacingkeys
coveredin Paragraph 1.(a) aboveprovidedthat
such"propertydamage"is not a resultof any
dishonestacton thepartof anyinsured,or the
insured'semployeesoragents,whetheractingalone
or in collusion.
C. OTHER INSURANCEAMENDMENT
SUPPLEMENTALCOVERAGEFORINSURED'S
INVOLVEMENTIN A CONTROLLED(WRAPUP)
INSURANCE PROGRAM
1. Thefollowingis addedto SECTIONIV
COMMERCIAL GENERAL LIABILITY
CONDITIONS, Paragraph4. OtherInsurance
b. Excess Insurance (1)(a):
(V)Thatis coveredbya "controlled(wrap-up)
insuranceprogram"in whichyou are
enrolledfor yourongoingoperationsor
operations included within the
"products-completedoperationshazard",
unlesssuch"controlled(wrap-up)insurance
program"is specificallyexcludedfrom
coverage on this policy.
2. The followingis addedto SECTIONV
DEFINITIONS:
"Controlled(wrap-up)insuranceprogram"
meansa centralizedinsuranceprogramunder
whichonepartyhassecuredeitherinsuranceor
self-insurancecoveringsomeor all of the
contractorsor subcontractorsperformingwork
on one or more specific project(s).
D. FELLOW EMPLOYEE EXTENSION
Under SECTIONII WHOIS AN INSURED
Paragraphs 2.a. and 2.a.(1)arereplacedbythe
following:
a. Your"volunteerworkers"onlywhileperforming
dutiesrelatedtotheconductofyourbusiness,or
your "employees",other than either your
"executiveofficers"(if youareanorganization
otherthanapartnership,jointventure,orlimited
liabilitycompany)oryourmanagers(ifyouarea
limitedliabilitycompany),butonlyforactswithin
thescopeoftheiremploymentbyyouorwhile
performingdutiesrelatedtotheconductofyour
business.However,noneofthese"employees"
or "volunteerworkers"areinsuredsfor"bodily
injury"or "personaland advertisinginjury"
arisingoutof hisor herprovidingorfailingto
provide professional health care services.
With respect to this provision only,
Subparagraph (1)ofExclusion 2.e.Employer's
Liabilityunder SECTIONI COVERAGES,
COVERAGEA BODILYINJURYAND
PROPERTYDAMAGELIABILITYdoesnot
apply.
Copyright, 2021 Selective Insurance Company of America. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
CG 79 88 06 22
INSURED'S COPY
E. CONTRACTUAL LIABILITY (RAILROADS)
Definition 9. under SECTIONV DEFINITIONS
is amended as follows:
1. Paragraph c. is deletedin its entiretyand
replaced by the following:
c. Any easement or license agreement;
2. Paragraph f.(1) is deleted in its entirety.
F. CONTRACTUALLIABILITYAMENDMENT
(PERSONAL AND ADVERTISING INJURY)
If it is requiredin a writtencontract,written
agreementor writtenpermitwiththeinsuredthat
anycontractualliabilityexclusionforpersonalinjury
be removedfromthe policy,thenExclusion e.
ContractualLiabilityunder COVERAGEB
PERSONALAND ADVERTISINGINJURY,2.
Exclusions isdeletedinitsentiretyandreplacedby
the following:
e. Contractual Liability
"PersonalandadvertisingInjury"forwhichthe
insuredhasassumedliabilityin a contractor
agreementarisingoutof an "advertisement".
Thisexclusiondoesnotapplyto liabilityfor
damagesthattheinsuredwouldhavein the
absence of the contract or agreement".
G. WAIVER OF GOVERNMENTAL IMMUNITY
Wewillwaive,bothintheadjustmentofclaimsand
in thedefenseof "suits"againsttheinsured,any
governmentalimmunityof theinsured,unlessthe
insured requests in writing that we not do so.
Waiverofimmunityasa defensewillnotsubjectus
toliabilityforanyportionofa claimorjudgmentin
excess of the applicable limit of insurance.
H. DAMAGE TO PREMISES RENTED TO YOU
TheLimitof InsuranceforDamageToPremises
Rented To You is increased to $1,000,000.
WC 00 03 13
WAIVER OF OUR RIGHT TO
RECOVER FROM OTHERS ENDORSEMENT
This endorsement changes the policy to which it is attached effective on the inception date of the policy unless a different date is indicated below.
(The following “attaching clause” need be completed only when this endorsement is issued subsequent to preparation of the policy.)
This endorsement, effective on at 12:01 A.M., standard time, forms a part of (DATE)
Policy No. Endorsement No. Premium (if any) $
of the
(NAME OF INSURANCE COMPANY)
issued to
Authorized Representative
We have the right to recover our payments from anyone liable for an injury covered by this policy. We will not enforce our right against the person or organization named in the Schedule. This agreement applies only to the extent that you perform work under a written contract that requires you to obtain this agreement from us.
This agreement shall not operate directly or indirectly to benefit any one not named in the Schedule.
Schedule
Any party for whom you have agreed via written contract to waive subrogation prior to any loss.
This waiver is not applicable in any jurisdiction where prohibited by statute or regulation.
Copyright 1983 National Council on Compensation Insurance. WC 00 03 13 (04/84) WC 9076857
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