Includes 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 S. 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, in
which 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";
COMMERCIAL GENERAL LIABILITY
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 extent
not subject to any exclusion in this
Coverage Part that applies to
aircraft, " 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. of
Section II — Who Is An Insured,
except when Paragraph d. below
applies.
b) Any of the other insurance, whether
primary, excess, contingent or on any
other basis, that is available to the
insured when the insured is an
additional insured, or is any other
insured that does not qualify as a
named insured, under such other
insurance.
2) When this insurance is excess, we will
have no duty under Coverages A or B to
defend the insured against any " suit" if any
other insurer has a duty to defend the
insured against that " suit". If no other
insurer defends, we will undertake to do so,
but we will be entitled to the insured' s rights
against all those other insurers.
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 selfinsured amounts under all that other insurance.
4) We will share the remaining loss, if any,
with any other insurance that is not
described in this Excess Insurance
provision and was not bought specifically to
apply in excess of the Limits of Insurance
shown in the Declarations of this Coverage
Part.
CG T1 00 0219 ® 2017 The Travelers Indemnity Company. All rights reserved. Page 15 of 21 Includes copyrighted material of Insurance Services Office, Inc. with its permission.
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 noncontributory 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.
S. 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.
a. The statements in the Declarations are
accurate and complete;
b. Those statements are based upon
representations you made to us; and
c. We have issued this policy in reliance upon
your 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 only
Named Insured; and
b. Separately to each insured against whom claim
is made or " suit" is brought.
8. Transfer Of Rights Of Recovery Against Others
To Us
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 rights to 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 nonrenewal
not less than 30 days before the expiration date.
If notice is mailed, proof of mailing will be sufficient proof of notice.
SECTION V — DEFINITIONS
1. " Advertisement" means a notice that is broadcast or published to the general public or specific market
segments about your goods, products or services
for the purpose of attracting customers or
supporters. For the purposes of this definition:
c. The first Named Insured must keep records of
a. Notices that are published include material
the information we need for premium
placed on the Internet or on similar electronic
computation, and send us copies at such times
means of communication; and
as we may request. b. Regarding websites, only that part of a website
5. Representations
that is about your goods, products or services
for the purposes of attracting customers or
By accepting this policy, you agree: supporters is considered an advertisement.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
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 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;
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 a
false 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 such
physical harm, sickness or disease.
S. " Broadcasting" means transmitting any audio or
visual material for any purpose:
a. By radio or television; or
COMMERCIAL GENERAL LIABILITY
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 included
in 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" offenses
that take place through the Internet or
similar electronic means of communication;
provided the insured' s responsibility to pay
damages 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.
S. " 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.
CG T1 GO 02 19 0 2017 The Travelers Indemnity Company. All rights reserved. Page 17 of 21 Includes copyrighted material of Insurance Services Office, Inc. with its permission
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 the
repair, 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 14.
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 person
or 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 " bodily
injury" 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 to
prepare or approve, maps, shop
drawings, opinions, reports, surveys,
field orders, change orders or drawings
and specifications; or
b) Giving directions or instructions, or
failing to give them, if that is the
primary cause of the injury or damage;
or
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.
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;
Includes 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
equipment such as
rollers;
COMMERCIAL GENERAL LIABILITY
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 providing
professional health care services.
or resurfacing 18. " Personal and advertising injury" means " personal graders, scrapers or injury" or " advertising injury".
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 the
following 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 devices
mounted on automobile or truck chassis
and 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".
19. " Personal injury":
a. Means injury, other than " advertising injury",
caused by one or more of the following
offenses:
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 a
false light.
b. Includes " bodily injury" caused by one or more
of the offenses described in Paragraph a.
above.
17. " Occurrence" means:
20. " Pollutants" mean any solid, liquid, gaseous or
thermal irritant or contaminant, including smoke,
a. An accident, including continuous or repeated vapor, soot, fumes, acids, alkalis, chemicals and exposure to substantially the same general waste. Waste includes materials to be recycled, harmful conditions; or reconditioned or reclaimed.
GG T1 00 02 19 0 2017 The Travelers Indemnity Company. All rights reserved. Page 19 of 21 Includes copyrighted material of Insurance Services Office, Inc. with its permission.
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
S) Water.
But " premises damage" under this Paragraph
b. 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 than
one job site.
c) When that part of the work done at a
job site has been put to its intended
use by any person or organization other
than another contractor or
subcontractor 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 or
in 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.
Includes copyrighted material of Insurance Services Office, Inc. with its permission
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 shortterm 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 of
duties 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:
COMMERCIAL GENERAL LIABILITY
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.
CG T1 00 02 19 ® 2017 The Travelers Indemnity Company All rights reserved. Page 21 of 21 Includes copyrighted material of Insurance Services Office, Inc. with its permission.
COMMERCIAL GENERAL LIABILITY
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
XTEND ENDORSEMENT FOR TECHNOLOGY
This endorsement modifies insurance provided under the following:
COMMERCIAL GENERAL LIABILITY COVERAGE PART
GENERAL DESCRIPTION OF COVERAGE — This endorsement broadens coverage. However, coverage for any injury, damage or medical expenses described in any of the provisions of this endorsement may be excluded or limited by another endorsement to this Coverage Part, and these coverage broadening provisions do not apply to the extent that coverage is excluded or limited by such an endorsement. The following listing is a general coverage description only. Read all the provisions of this endorsement and the rest of your policy carefully to determine rights, duties. and what is and is not covered.
A. Non -Owned Watercraft — 75 Feet Long Or Less
B. Who Is An Insured — Unnamed Subsidiaries
C. Who Is An Insured — Employees — Supervisory
Positions
D. Who Is An Insured — Newly Acquired Or Formed
Limited Liability Companies
E. Who Is An Insured — Liability For Conduct Of
Unnamed Partnerships Or Joint Ventures
F. Blanket Additional Insured — Persons Or
Organizations For Your Ongoing Operations As
Required By Written Contract Or Agreement
G. Blanket Additional Insured — Broad Form Vendors
H. Blanket Additional Insured — Controlling Interest
PROVISIONS
A. NON -OWNED WATER CRAFT — 75 FEET LONG
OR LESS
1. The following replaces Paragraph ( 2) of
Exclusion g., Aircraft. Auto Or Watercraft,
in Paragraph 2. of SECTION I —
COVERAGES — COVERAGE A — BODILY
INJURY AND PROPERTY DAMAGE
LIABILITY:
2) A watercraft you do not own that is:
a) 75 feet long or less; and
b) Not being used to carry any person or
property for a charge;
2. The following replaces Paragraph 2. e. of
SECTION 11— WHO IS AN INSURED:
I. Blanket Additional Insured — Mortgagees,
Assignees, Successors Or Receivers
J. Blanket Additional Insured — Governmental
Entities — Permits Or Authorizations Relating To
Premises
K. Blanket Additional Insured — Governmental
Entities — Permits Or Authorizations Relating To
Operations
L.. Medical Payments — Increased Limit
M. Blanket Waiver Of Subrogation
N. Contractual Liability — Railroads
O. Damage To Premises Rented To You
is responsible for the use of a watercraft
that you do not own that is:
1) 75 feet long or less; and
2) Not being used to carry any person or
property for a charge.
S. WHO IS AN INSURED — UNNAMED
SUBSIDIARIES
The following is added to SECTION tl — 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;
and
e. Any person or organization that, with your
express or implied consent, either uses or b. Such subsidiary is not an insured under similar other insurance.
CG D417 02 19 O 2017 The Travelers Indemnity Company. AM rights reserved. Page 1 of 5 Includes copyrighted material of Insurance Services Office, Inc. with its permission.
COMMERCIAL GENERAL LIABILITY
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; or
b. After the date, if any, during the policy period
that you no longer maintain an ownership
interest of more than 50% in such subsidiary.
For purposes of Paragraph 1. of Section It — 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.
C. WHO IS AN INSURED — EMPLOYEES —
SUPERVISORY POSITIONS
The following is added to Paragraph 2. a.( 1) of
SECTIO N 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
arising out of work by any of your " employees"
who hold a supervisory position.
D. WHO IS AN INSURED — NEWLY ACQUIRED
OR FOR MED LIMITED LAIBILITY COMPANIES
The following replaces Paragraph 3. of SECTION
11 — WHO IS AN INSURED:
3. 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
there is no other similar insurance available to
that organization. However:
a. Coverage under this provision is afforded
only:
1) Until the 180th day after you acquire
or form the organization or the end of
the policy period, whichever is earlier,
if you do not report such organization
in writing to us within 180 days after
you acquire or form it; or
organization in writing to us within
180 days after you acquire or form it;
b. Coverage A does not apply to " bodily
injury" or " property damage" that occurred
before you acquired or formed the
organization; and
c. Coverage B does not apply to " personal
and advertising injury" arising out of an
offense committed before you acquired or
formed the organization.
For the purposes of Paragraph 1. of Section II
Who Is An Insured, each such organization
will be deemed to be designated in the
Declarations as:
a. A limited liability company;
b. An organization. other than a partnership,
joint venture or limited liability company;
or
c. A trust;
as indicated in its name or the documents
that govern its structure.
E. WHO IS AN INSURED — LAIBILTY FOR
CONDUCT OF UNNAMED PARTNERSHIP SO R
JOINT VENTURES
The following replaces the last paragraph of
SECTION 11 — WHO IS AN INSURED:
No person or organization is an insured with
respect to the conduct of any current or past
partnership or joint venture that is not shown as a
Named Insured in the Declarations. This
paragraph does not apply to any such partnership
or joint venture that otherwise qualifies as an
insured under Section 11— Who Is An Insured.
F. BLANKET ADDITIONAL INSURED — PERSONS
OR ORGANIZATIONS FOR YOUR ONGOING
OPERATIONS AS REQUIRED BY WRITTEN
CONTRACT OR AGREEMENT
The following is added to SECTION 11 — WHO IS
AN INSURED:
Any person or organization that is not otherwise
an insured under this Coverage Part and that you
have agreed in a written contract or agreement to
include as an additional insured on this Coverage
Part is an insured, but only with respect to liability
for " bodily injury" or " property damage" that:
a. Occurs subsequent to the signing of that
contract or agreement; and
2) Until the end of the policy period, b. Is caused, in whole or in part, by your acts or when that date is later than 180 days omissions in the performance of your ongoing after you acquire or form such operations to which that contract or
organization, if you report such
Inctudes copyrighted material of Insurance Services Office, Inc. with its permission. agreement applies or the acts or omissions of
any person or organization performing such
operations on your behalf.
The limits of insurance provided to such insured
will be the minimum limits that you agreed to
provide in the written contract or agreement, or
the limits shown in the Declarations, whichever
are less.
G. BLANKET ADDITIONAL INSURED — BROAD
FORM VENDORS
The following is added to SECTION II — WHO IS
AN INSURED:
Any person or organization that is a vendor and
that you have agreed in a written contract or
agreement to include as an additional insured on
this Coverage Part is an insured, but only with
respect to liability for " bodily injury" or " property damage" that:
a. Occurs subsequent to the signing of that
contract or agreement; and
b. Arises out of " your products" that are
distributed or sold in the regular course of
such vendor' s business.
The insurance provided to such vendor is subject
to the following provisions:
a. The limits of insurance provided to such
vendor will be the minimum limits that you
agreed to provide in the written contract or
agreement, or the limits shown in the
Declarations, whichever are less.
b. The insurance provided to such vendor does
not apply to:
1) Any express warranty not authorized by
you or any distribution or sale for a
purpose not authorized by you;
2) Any change in " your products" made by
such vendor;
COMMERCIAL GENERAL LIABILITY
performed at such vendor' s premises in
connection with the sale of " your
products"; or
6) " Your products" that, after distribution or
sale by you, have been labeled or
relabeled or used as a container, part or
ingredient of any other thing or substance
by or on behalf of such vendor.
Coverage under this provision does not apply to:
a. Any person or organization from whom you
have acquired " your products", or any
ingredient, part or container entering into.
accompanying or containing such products;
or
b. Any vendor for which coverage as an
additional insured specifically is scheduled by
endorsement.
H. BLANKET ADDITIONAL INSURED —
CONTROLLING INTEREST
1. The following is added to SECTION II — WHO
IS AN INSURED:
Any person or organization that has financial
control of you is an insured with respect to
liability for " bodily injury", " property damage"
or "personal and advertising injury" that arises
out of:
3) Repackaging, unless unpacked solely for
the purpose of inspection, demonstration,
testing, or the substitution of parts under
instructions from the manufacturer, and I.
then repackaged in the original container;
4) Any failure to make such inspections,
adjustments, tests or servicing as
vendors agree to perform or normally
undertake to perform in the regular
course of business, in connection with the
distribution or sale of "your products';
S) Demonstration. installation, servicing or
repair operations, except such operations
a. Such financial control; or
b. Such person' s or organization' s
ownership, maintenance or use of
premises leased to or occupied by you.
The insurance provided to such person or
organization does not apply to structural
alterations, new construction or demolition
operations performed by or on behalf of such
person or organization.
2. The following is added to Paragraph 4. of
SECTION II — WHO IS AN INSURED;
This paragraph does not apply to any
premises owner, manager or lessor that has
financial control of you.
BLANKET ADDITIONAL INSURED —
MORTGAGEES, ASSIGNEES, SUCCESSORS
OR RECEIVERS
The following is added to SECTION II — WHO IS
AN INSURED:
Any person or organization that is a mortgagee,
assignee, successor or receiver and that you
have agreed in a written contract or agreement to
include as an additional insured on this Coverage
Part is an insured, but only with respect to its
CG D417 0219 m 2017 The Travelers Indemnity Company. All rights reserved. Page 3 of 5 Includes copyrighted material of Insurance Services Office, Inc. with its permission.
COMMERCIAL GENERAL LIABILITY
liability as mortgagee, assignee, successor or
receiver 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 K.
b. Arises out of the ownership, maintenance or
use of the premises for which that mortgagee,
assignee, successor or receiver is required
under that contract or agreement to be
included as an additional insured on this
Coverage Part.
The insurance provided to such mortgagee,
assignee, successor or receiver is subject to the
following provisions:
a. The limits of insurance provided to such
mortgagee, assignee, successor or receiver
will be the minimum limits that you agreed to
provide in the written contract or agreement,
or the limits shown in the Declarations,
whichever are less.
b. The insurance provided to such person or
organization does not apply to:
1) Any " bodily injury" or " property damage"
that occurs, or any " personal and
advertising injury" caused by an offense
that is committed, after such contract or
agreement is no longer in effect; or
2) Any " bodily injury", " property damage" or
personal and advertising injury" arising
out of any structural alterations, new
construction or demolition operations
performed by or on behalf of such
mortgagee, assignee, successor or
receiver.
J. BLANKET ADDITIONAL INSURED —
GOVERNMENTAL ENTITIES — PERMITS OR
AUTHORIZATIONS RELATING TO PREMISES
The following is added to SECTION 11— WHO IS
AN INSURED:
Any governmental entity that has issued a permit
or authorization with respect to premises owned
or occupied by, or rented or loaned to, you and
that you are required by any ordinance, law,
building code or written contract or agreement to
include as an additional insured on this Coverage
Part is an insured, but only with respect to liability
for " bodily injury", " property damage" or " personal
and advertising injury" arising out of the
existence, ownership, use, maintenance, repair,
construction, erection or removal of any of the
following for which that governmental entity has
issued such permit or authorization: advertising
signs, awnings, canopies, cellar entrances, coal
holes, driveways, manholes, marquees, hoist
away openings, sidewalk vaults, elevators, street
banners or decorations.
BLANKET ADDITIONAL INSURED --
GOVERNMENTAL ENTITIES — PERMITS OR
AUTHORIZATIONS RELATING TO OPERATIONS
The following is added to SECTION II — WHO IS
AN INSURED:
Any governmental entity that has issued a permit
or authorization with respect to operations
performed by you or on your behalf and that you
are required by any ordinance, law, building code
or written contract or agreement to include as an
additional insured on this Coverage Part is an
insured, but only with respect to liability for " bodily injury", " property damage" or " personal and
advertising injury" arising out of such operations.
The insurance provided to such governmental
entity does not apply to:
a. Any " bodily injury". " property damage" or
personal and advertising injury" arising out of
operations performed for the governmental
entity; or
b. Any " bodily injury" or " property damage"
included in the " products - completed
operations hazard".
L. MEDICAL PAYMENTS — INCREASED LIMIT
The following replaces Paragraph 7. of SECTION
111— LIMITS OF INSURANCE:
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, and will be the higher of:
a. $ 10,000; or
b. The amount shown in the Declarations of
this Coverage Part for Medical Expense
Limit.
M. BLANKET WAIVER OF SUBROGATION
The following is added to Paragraph 8., Transfer
Of Rights Of Recovery Against Others To Us,
of SECTION IV — COMMERCIAL GENERAL
LIABILITY CONDITIONS:
If the insured has agreed in a contract or
agreement to waive that insured' s right of
recovery against any person or organization, we
Includes copyrighted material of Insurance Services Office. Inc. with its permission waive our right of recovery against such person or
organization, but only for payments we make
because of:
a. " Bodily injury" or " property damage" that
occurs; or
b. " Personal and advertising injury" caused by
an offense that is committed;
subsequent to the execution of the contract or
agreement.
N. CONTRACTUAL LIABILITY — RAILROADS
1. The following replaces Paragraph c. of the
definition of " insured contract" in the
DEFINITIONS Section:
c. Any easement or license agreement;
COMMERCIAL GENERAL LIABILITY
2. Paragraph f.(1) of the definition of " insured
contract" in the DEFINITIONS Section is
deleted.
O. DAMAGE TO PREMISES RENTED TO YOU
The following replaces the definition of "premises
damage" in the DEFINITIONS Section:
Premises damage" means " property damage" to:
a. Any premises while rented to you or
temporarily occupied by you with permission
of the owner; or
b. The contents of any premises while such
premises is rented to you, if you rent such
premises for a period of seven or fewer
consecutive days.
CG D4 17 02 19 02017 The Travelers Indemnity Company. All rights reserved. Page 5 of 5 Includes copyrighted material of Insurance Services Office. Inc with its permission, THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
WAIVER OF OUR RIGHT TO RECOVER FROM
OTHERS ENDORSEMENT - CALIFORNIA
Policy Number: 72 WEC ZX9262 Endorsement Number:
Effective Date: 06/ 23/ 21 Effective hour is the same as stated on the Information Page of the policy.
Named Insured and Address: COMPLETE PAPERLESS SOLUTIONS LLC 4025 E LA PALMA AVE STE 201
ANAHEIM CA 92807
We have the right to recover our payments from anyone liable for an injury covered by this policy. We will not enforce our right against the person or organization named in the Schedule. ( This agreement applies only to the extent that you perform work under a written contract that requires you to obtain this agreement from us.) You must maintain payroll records accurately segregating the remuneration of your employees while engaged in the work described in the Schedule.
The additional premium for this endorsement shall be 2 % of the California workers' compensation premium otherwise due on such remuneration.
SCHEDULE
Person or Organization Job Description
Any person or organization from whom you are required by written contract or agreement to obtain this waiver of rights from us
Countersigned by
Authorized Representative
Form WC 04 03 06 ( 1) Printed in U. S. A.
Process Date: 05/ 14/ 21 Policy Expiration Date: 06/ 23/ 22 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
NOTICE OF CANCELLATION TO CERTIFICATE HOLDER(S)
Policy Number: 72 WEC ZX9262 Endorsement Number:
Effective Date: 06/ 23/ 21 Effective hour is the same as stated on the Information Page of the policy.
Named Insured and Address: COMPLETE PAPERLESS SOLUTIONS LLC 4025 E LA PALMA AVE STE 201
ANAHEIM CA 92807
This policy is subject to the following additional
Conditions:
A. If this policy is cancelled by the Company, other than for non- payment of premium, notice of such
cancellation will be provided at least thirty ( 30) days in advance of the cancellation effective date to the
certificate holder( s) with mailing addresses on file
with the agent of record or the Company.
B. If this policy is cancelled by the Company for
non- payment of premium, or by the insured, notice
of such cancellation will be provided within ten ( 10)
days of the cancellation effective date to the
certificate holder(s) with mailing addresses on file
with the agent of record or the Company.
If notice is mailed, proof of mailing to the last known mailing address of the certificate holder( s) on file with the agent of record or the Company will be sufficient
proof of notice.
Any notification rights provided by this endorsement
apply only to active certificate holder(s) who were issued a certificate of insurance applicable to this policy' s term.
Failure to provide such notice to the certificate holder( s) will not amend or extend the date the cancellation
becomes effective, nor will it negate cancellation of the policy. Failure to send notice shall impose no liability of any kind upon the Company or its agents or
representatives.
Form WC 99 03 94 Printed in U. S. A.
Process Date: 05/ 14/ 21 Policy Expiration Date: 06/ 23/ 22 2011, The Hartford