Redondo Beach City Council
May 21, 2024

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VIP Software Maintenance and Sunnort Agreement
Complete Paperless Solutions Maintenance and Support Agreement This Agreement entered into between Complete Paperless Solutions, a California Limited Liability Company, (" CPS" or " Consultant' s at 4025 E. La Palma Avenue, Suite 204 Anaheim, California, 92807, and the City of Redondo Beach (" City' s at 415 Diamond Street, Redondo Beach, CA 90277 is for the period of October 1, 2023, to September 30, 2026.

CPS shall provide licenses, software, subscriptions, and services ( collectively the " Services' to the City as defined in this Agreement for the following Software and Hardware described in Exhibit " E".

Refer to Exhibit " A" for Project Description of Services

1. Annual Fee. City agrees to pay CPS in accordance with Exhibit " C" Compensation.

2. Period of Performance. CPS shall provide the Services to City, upon payment by City of the annual fee, for a period of three ( 3) years in accordance with Exhibit " C". This term may be extended as provided in Exhibit " B".

Maintenance. CPS shall use commercially reasonable best efforts to identify and resolve bugs, errors and other problems with the Product, whether discovered by CPS or reported by customers or from any other credible source. CPS may also elect to provide enhancements, updates or other changes to the Product at CPS' sole discretion. CPS shall publish maintenance updates for Product at least annually to City, along with release notes, itemization of known problems or system errors, updates to product documentation and other data necessary for City to implement the update.

4. Support. CPS shall provide phone support to City from 7: OOAM to 6: OOPM PST on normal business days, excluding normal and customary holidays. CPS shall respond to City within 2 hours for VIP support. CPS shall use commercial reasonable best efforts to answer questions, identify and resolve problems with the Product, and assist with operational procedures or work- arounds.

5. Service Limitations. CPS shall be under no obligation to provide Services as a result of ( a) the operation of Product outside normal configurations described in Product documentation; ( b) City' s material failure to maintain Product according to industry standards and conventions or as required by Product documentation; ( c) customization of Product by anyone other than CPS.

6. Brokers. CPS acknowledges, represents and warrants that CPS has not hired, retained or agreed to pay any entity or person any fee, commission, percentage, gift, or any other consideration, contingent upon or resulting from the award or making of this Agreement.

7. Termination. Any discretionary or vested right of renewal notwithstanding, this Agreement may be terminated upon ninety ( 90) days written notice by the City. However, CPS shall be compensated for all authorized work satisfactorily performed prior to the effective date of termination. CPS shall remit a prorated refund of the annual payment within thirty ( 30) days of the date of termination.

Conflict of Interest. CPS acknowledges, represents and warrants that CPS shall avoid all conflicts of interest ( as defined under any federal, state or local statute, rule or regulation, or at common law) with respect to this Agreement. CPS further acknowledges, represents and warrants that CPS has no business relationship or arrangement of any kind with any City official or employee with respect to this Agreement. CPS acknowledges that in the event that CPS shall be found by any judicial or administrative body to have any conflict of interest ( as defined above) with respect to this Agreement, all consideration received under this Agreement shall be forfeited Complete Paperless Solutions — 5130 E. La Palma Avenue, Suite 206 Anaheim, California, 92807— www.cps247.com Page - 1 - of 11
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VIP Software Maintenance and Support Agreement
and returned to City forthwith. This provision shall survive the termination of this Agreement for one ( 1) year.

9. Non Liability of Officials and Employees of the City. No official or employee of the City shall be personally liable for any default or liability under this Agreement.

10. Compliance with Laws. CPS shall comply with all federal, state and local laws, statutes, ordinances, rules and regulations, and the orders and decrees of any courts or administrative bodies or tribunals, with respect to this Agreement.

11. Subcontracting and Assignment. Neither party shall assign its rights without the written consent of the other party. The sale, assignment, transfer or other disposition, on a cumulative basis, of twenty five percent ( 25%) or more of the ownership interest in CPS or twenty five percent ( 25%) or more the voting control of CPS shall constitute an assignment for purposes of this Agreement.

12. Amendment. This Agreement may be amended or modified only by a subsequent written amendment executed by both parties.

13. Confidentiality. To the extent permissible under law, CPS shall keep confidential its obligations hereunder and the information acquired during the performance of the project or services hereunder.

14. Governing Law and Venue. This Agreement shall be construed in accordance with the laws of the State of California without regard to principles of conflicts of law. Venue for any litigation or other action arising hereunder shall reside exclusively in the Superior Court of the County of Los Angeles, Southwest Judicial District.

15. Attorneys' Fees. In the event either party to this Agreement brings any action to enforce or interpret this Agreement, the prevailing party in such action shall be entitled to reasonable attorneys' fees ( including expert witness fees) and costs. This provision shall survive the termination of this Agreement.

16. Claims. Any claim by CPS against City hereunder shall be subject to Government Code §§ 800 et seq. The claims presentation provisions of said Act are hereby modified such that the presentation of all claims hereunder to the City shall be waived if not made within six ( 6) months after accrual of the cause of action.

17. Severance. Any provision of this Agreement that is found invalid or unenforceable shall be deemed severed, and all remaining provisions of this Agreement shall remain enforceable to the fullest extent permitted by law.

18. Limitation of Liability. CPS' sole liability under this Agreement shall be limited to direct, objectively measured damages. In no event shall either party have any liability to the other for any indirect, consequential, special, incidental or speculative damages whether arising under contract, tort or statute, including without limitation, loss of use, business interruptions, loss or corruption of data, claims of infringement, loss of good will and loss of profits.

19. License. The support and maintenance services provided under this Agreement are subject to the software license agreement for Product.

20. Exhibits. All exhibits hereto are made a part hereof and incorporated herein by reference.

21. Insurance. CPS shall maintain Insurance in accordance with the requirements set forth in Exhibit " D".

22. Pricing Proposal and Quotes. See Exhibit " E".

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23. Authority. City warrants and represents that upon City Council approval, the Mayor of the City of Redondo Beach is duly authorized to enter into and execute this Agreement on behalf of City.

The party signing on behalf of CPS warrants and represents that he or she is duly authorized to enter into and execute this Agreement on behalf of CPS, and shall be personally liable to City if he or she is not duly authorized to enter into and execute this Agreement on behalf of CPS.

SIGNATURES ON NEXT PAGE
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VIP Software Maintenance and Sunnort Agreement
IN WITNESS WHEREOF, the parties have executed this Agreement in Redondo Beach, California, as of this 19th day of September 2023.

AUTHORIZED SIGNATURES
Complete Paperless Solutions:

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Signature
Claude Schott
Name
Chief Financial Officer
Title
City of Redondo Beach
DocuSignetl by:
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Signature
William C. Brand
Name
Mayor
Title
APPROVED:

ED- US19" Id by:

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Diane Strickfaden, Risk Manager
ATTEST:

CDocuSignetl by:

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EleanorrManzano, City Clerk
APPROVED AS TO FORM:

D— Signetl by:

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Michael W. Webb, City Attorney
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Exhibit " A"
Project Description of Services
CPS agrees to provide the Services described in Exhibit " E" CPS shall promptly notify City of any material defects or malfunctions in the Software or documentation which it learns from any source.

CPS shall provide City with copies of the software and documentation revised to reflect any and all updates and enhancements if any to the software made by CPS during the maintenance and support period. Such enhancements shall include all modifications to the Software which increase the speed efficiency or ease of operation of the Software or add capabilities to or otherwise improve the functions of the Software.

Support shall include the correction of material errors within a reasonable time and with reasonable effort. Support does not include correction of errors caused by unauthorized modification made to the Software. CPS is not obligated by this Agreement to undertake any such updates or infringements.

Software and documentation for updates and enhancements shall be provided to the City for installation in diskette form, CD - ROM or DVD for installation by City and shall be installed by CPS only if necessary and requested in writing by City.

CPS shall provide telephone support on a reasonable and necessary basis between the hours of 7: OOAM to 6: OOPM PST Monday through Friday excluding bank holidays, or through written correspondence unless otherwise specified.

CPS shall use best efforts to respond to City' s requests and problems within a time frame that reasonably reflects the urgency of the resolution of the request. CPS shall use reasonable efforts to give the most appropriate advice but the responsibility for acting on or implementing such advice shall remain with City.

CPS shall provide on- site support within 24 hours or within a mutually agreed time frame.

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VIP Software Maintenance and Sunnort Agreement
Exhibit " B"
Contract Term
The term of this Agreement shall commence on October 1, 2023 and continue through to September 30, 2026 (" Term') unless otherwise terminated as herein provided. The Agreement may be renewed for a subsequent annual terms by a written mutual amendment executed by both the City and CPS, and approved by City Council.

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VIP Software Maintenance and Sunnort
Exhibit " C"
Compensation
eement
Provided CPS is not in default under this Agreement, CPS shall be compensated as provided below.

1. Payment:
a. Annual Payment: CPS shall be paid as set forth in the following table.

Year Amount
First Year 99, 034
Second Year 54, 420
Third Year 54, 420
Total Amount 207, 874
a. Subsequent Years: In the event this Agreement is renewed in accordance with Exhibit " B", CPS may request reasonable price adjustments to the annual fee for the renewed term.

However, no price adjustments shall be effective unless a written amendment to this Agreement is executed by both parties, and approved by the City Council. b. Additional Fees: The City shall receive five days ( or 40 hours) of VIP support at no additional cost
Hourly Rate: The hourly rate for on- site support beyond nine days of service shall be 200. 00 per hour.

Daily Rate: The daily rate beyond sixteen days shall be $ 1, 600. 00 per day. iii. All charges shall be agreed to in a written amendment executed by authorized representatives of both parties prior to commencement of any on- site support.

2. Schedule for Payment: For the first year, CPS shall invoice the City after execution of this Agreement and the City will pay CPS within forty- five days ( 45) of the receipt of the invoice.

Thereafter, CPS shall invoice City for the annual maintenance and support fee each following year no later than 45 days before the annual anniversary of the commencement date, for the subsequent term. City may accept or decline the payment. If City elects not to pay the annual fee, CPS shall have no obligation under this Agreement for the subsequent year. In no event shall the total compensation exceed $ 207, 874 during the term of the Agreement.

3. Method of Payment: CPS shall provide invoices to City for approval and payment. Invoices must be itemized, adequately detailed, based on accurate records, an in a form reasonably satisfactory to City. CPS may be required to provide back- up material upon request.

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Exhibit " D"
Insurance Requirements for Consultants
Without limiting Consultant' s indemnification obligations under this Agreement, Consultant shall procure and maintain for the duration of the contract insurance against claims for injuries to persons or damages to property which may arise from or in connection with the performance of the work hereunder by the Consultant, its agents, representatives, or employees.

Minimum Scope of Insurance
Coverage shall be at least as broad as:

Insurance Services Office Commercial General Liability coverage ( occurrence form CG 0001).

Insurance Services Office form number CA 0001 ( Ed. 1/ 87) covering Automobile Liability, code 1 ( any auto).

Workers' Compensation insurance as required by the State of California.

Employer' s Liability Insurance.

Minimum Limits of Insurance
Consultant shall maintain limits no less than:

General Liability: $ 2, 000, 000 per occurrence for bodily injury, personal injury and property damage. The general aggregate limit shall apply separately to this project.

Automobile Liability: $ 1, 000, 000 per accident for bodily injury and property damage.

Employer' s Liability: $ 1, 000, 000 per accident for bodily injury or disease.

Deductibles and Self -Insured Retentions
Any deductibles or self-insured retentions must be declared to and approved by the City. At the option of the City, either: ( 1) the insurer shall reduce or eliminate such deductibles or self- insured retentions as respects the City, its officers, officials, employees and volunteers or ( 2) the Consultant shall provide a financial guarantee satisfactory to the City guaranteeing payment of losses and related investigations, claim administration and defense expenses.

Other Insurance Provisions
The general liability and automobile liability policies are to contain, or be endorsed to contain, the following provisions:

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Additional Insured Endorsement:

General Liability: The City, its officers, elected and appointed officials, employees, and volunteers shall be covered as insureds with respect to liability arising out of work performed by or on behalf of the Consultant. General liability coverage can be provided in the form of an endorsement to the Consultant' s insurance, or as a separate owner' s policy.

Automobile Liability: The City, its officers, elected and appointed officials, employees, and volunteers shall be covered as insureds with respect to liability arising out of automobiles owned, leased, hired or borrowed by or on behalf of the Consultant.

For any claims related to this project, the Consultant' s insurance coverage shall be primary insurance as respects the City, its officers, elected and appointed officials, employees, and volunteers. Any insurance or self-insurance maintained by the City, its officers, officials, employees, or volunteers shall be excess of the Consultant' s insurance and shall not contribute with it.

Each insurance policy required by this clause shall be endorsed to state that coverage shall not be canceled by either party, except after thirty ( 30) days prior written notice by certified mail, return receipt requested, has been given to the City.

Each insurance policy shall be endorsed to state that the inclusion of more than one insured shall not operate to impair the rights of one insured against another insured, and the coverages afforded shall apply as though separate policies had been issued to each insured.

Each insurance policy shall be in effect prior to awarding the contract and each insurance policy or a successor policy shall be in effect for the duration of the project. The maintenance of proper insurance coverage is a material element of the contract and failure to maintain or renew coverage or to provide evidence of renewal may be treated by the City as a material breach of contract on the Consultant' s part.

Acceptability of Insurers
Insurance shall be placed with insurers with a current A. M. Best' s rating of no less than ANII and which are authorized to transact insurance business in the State of California by the Department of Insurance.

Verification of Coveraae
Consultant shall furnish the City with original certificates and amendatory endorsements effecting coverage required by this clause. The endorsements should be on the City authorized forms provided with the contract specifications. Standard ISO forms which shall be subject to City approval and amended to conform to the City' s requirements may be acceptable in lieu of City authorized forms. All certificates and endorsements shall be received and approved by the City before the contract is awarded.

The City reserves the right to require complete, certified copies of all required insurance policies, including endorsements effecting the coverage required by these specifications at any time.

Subcontractors
Consultant shall include all subcontractors as insured under its policies or shall furnish separate certificates and endorsements for each subcontractor. All coverages for subcontractors shall be subject to all of the requirements stated herein.

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Risk Manaaement
Consultant acknowledges that insurance underwriting standards and practices are subject to change, and the City reserves the right to make changes to these provisions in the reasonable discretion of its Risk Manager.

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VIP Software Maintenance and Sunnort Agreement
Exhibit " E"
Pricing Proposal and Quotes
See attached pricing proposal and quotes.

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ADDRESS
City of Redondo Beach
415 Diamond Street
Redondo Beach, CA 90277
USA

DATE ACTIVITY
Complete Paperless Solutions
5130 E La Palma Av. Ste 206
Anaheim, CA 92807
866) 661- 2425
cschott@cps247. com

SHIP TO
City of Redondo Beach
415 Diamond Street
Redondo Beach, CA 90277
USA
QTY
QUOTE # 2597
DATE 08/ 21/ 2023

RATE AMOUNT
RV -CCA -W -T001 1 6, 264. 00
Compliant Cloud Archive Windows 500GB30000GB* - * 2TB capacity ( Annual Cost - Three Year Term) Professional Services 1 1, 600. 00
Professional Services: installation ( One Time Cost)
RV -SAL -W- 001 1 500. 00
Server Agent License ( per Source Server)
Annual Cost - Three Year Term)
TOTAL
Accepted By Accepted Date
6, 264. 00
1, 600. 00
500. 00
8, 364. 00
Tax ID: 27- 0926551 1 Please Make Checks Payable to: Complete Paperless Solutions I Please Make Checks Payable to: Complete Paperless Solutions
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B E A C H
City of Redondo Beach
BY: Complete Paperless Solutions ( CPS)
8/ 17/ 2023
Laserfiche Enterprise Content Management — Self Hosted Subscription Solution
Provider
Awards

CUSTOMER' S

CHOICE AWARD
LaserficheV

SUPPORT AND MAINTENANCE
Laserfiche Software Assurance Plan ( LSAP)
The proposed solution includes the Laserfiche Software Assurance Plan ( LSAP) for one year with options for annual renewal. Customers with current LSAP are provided unlimited telephone technical support and software updates. Technical support ( under the LSAP agreement) includes unlimited email, telephone and remote access to address problems related to system configuration or performance. While guaranteed response times are dictated by the terms of the support agreement, most support calls are taken live and resolved within a single call.

All support calls are logged in a case management system and assigned priority and severity levels that will be escalated ( if necessary) to the development team and what lengths are necessary to address them such as providing hotfixes or point releases of the software. All customers with current LSAP are granted access to the Laserfiche Support Site where an abundance of knowledgebase documents can be used to support your internal IT team and Laserfiche users.

Note: Ninety- five ( 95) percent of support issues taken by our team have " First Call" resolution and are usually resolved within one hour.
a. Support Contact Information
Support services are provided directly by CPS
Our toll- free support number: 866- 661- 2425
Non -emergency support calls can be directed to ( support@cps247. com) or via our website http:// www. cps247. com/ Support/ SubmitTicket. aspx)
b. Basic Support Level
Monday to Friday during normal business hours from 8: OOAM to S: OOPM PST Next business day guaranteed response time
Free remote upgrades
PS Compleess
City of Redondo Beach

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c. Priority Support Level
Monday to Friday during normal business hours from 7: OOAM to 6: OOPM PST. 4 hours guaranteed response time
Free remote upgrades
Dedicated engineer
d. CPS VIP Support Level
To create the least amount of burden on the IT staff, and to optimize the benefits of your Laserfiche software we recommend our VIP support package. Our VIP program offers the followings:

Monday to Friday during normal business hours from 7: OOAM to 6: OOPM PST. 2 hours guaranteed response time
Free onsite upgrades
A dedicated support engineer will serve as the primary contact for Laserfiche support through a direct telephone line.

Unlimited onsite training
Next day onsite support guaranteed if remote issue non -resolved Unlimited onsite support
Preventive Maintenance: 2 on- site visits per year to ensure optimum system functionality Preferred pricing on specific integration and development projects Free enrollment to the Laserfiche Conference ( unlimited access) No travel cost ( In CA)

C.

C. S I
Paperless
City of Redondo Beach Y
S°'°"°^ g

PRICING PROPOSAL
Laserfiche Software
a. Laserfiche Self - Hosted ( subscription license)
Laserfiche - Business users*
Laserfiche - Particiaant user
Total
Discount
Total 1st year solution
Total 2" d year solution
38 $ 31, 540. 00
90 $ 9, 900. 00
41, 440. 00
20, 720. 00
20, 720. 00
Incl.: 15 databases, Workflow, Forms Professional, Forms Portal ( 3), Web Client, Advanced Audit Trail, Records Management, Unlimited Public Portal, Snapshot, Email, Office integration, Enterprise Identity Management, SDK/ API, Digital Signatures, DocuSign integration, 3 Sandbox and 10 Quick Fields Complete.

Professional Services
Project Management — PD and City 4 $ 6, 400. 00
Retention Schedules implementation 8 $ 8, 000. 00
User Training — multiple classes* Included with VIP
Admin Training* Included with VIP
Total 1 1 $ 14, 400. 00

S I
Paperless
City of Redondo Beach Y
S°'°"°^ g
Support
Self - Hosted Subscription Included Free V Year
2nd Year
Description Priority
Self - Hosted Subscription Included $ 6, 216. 00
VIP will be provided for the price of Priority.

Total Cost for All Services
Turnkey Solution with VIP Support
Self - Hosted Subscription $ 35, 120. 00 I $ 47, 656. 00 47, 656. 00

C s I
Complee Paperless
City of Redondo Beach Y
Complete Paperless
cps Solutions
Quote

ADDRESS
City of Redondo Beach
415 Diamond Street
Redondo Beach, CA 90277
USA
One Time Cost
Complete Paperless Solutions
5130 E La Palma Av. Ste 206
Anaheim, CA 92807
866) 661- 2425
cschott@cps247. com

SHIP TO
City of Redondo Beach
415 Diamond Street
Redondo Beach, CA 90277
USA
QUOTE # 2526
DATE 03/ 22/ 2023

DATE ACTIVITY QTY RATE AMOUNT
Scanning Svs 400, 000 0. 065 26, 000. 00
Scanning Services: Document Scanning
Service Paper ( LETTER SIZE 8X11)
Estimated 200 Boxes = Estimated 400, 000
Images
Scanning Svs 400, 000 0. 015 6, 000. 00
Scanning Services: Document Scanning/ QC:

Advance Scanner Settings - Scan Wet
Signatures in Color. Scan bad original paper
in greyscale and the rest in B& W
Scanning Svs 400, 000 0. 02 8, 000. 00
Scanning Services: Heavy Document
Preparation ( Manual Split 2- 10 Pages) - Need
to manually separate files per permit number.

Scanning Svs 10 100. 00 1, 000. 00
Scanning Services: Box Pickup
Scanning Svs 400, 000 0. 035 14, 000. 00
Scanning Services: Heavy
Indexing/ Document Prep: Advance Indexing
2- 10 Images - Advance Indexing: 5+ indexing
fields. For example: Assessor Parcel Number
APN), Owner, Document Section/ Business
Team, Document Type, Multiple APNs,
Document Title, Scanned Date, Document
Folder, Document Status
Scanning Svs 1 450. 00 450. 00
Scanning Services: Laserfiche ingestion per
Scanning Svs 1 100. 00 100. 00
Scanning Services: pick up and delivery per
SUBTOTAL 55, 550. 00
TAX 0. 00
Tax ID: 27- 0926551 1 Please Make Checks Payable to: Complete Paperless Solutions I Please Make Checks Payable to: Complete Paperless Solutions
Accepted By
TOTAL $ 55, 550. 00
Accepted Date
Tax ID: 27- 0926551 1 Please Make Checks Payable to: Complete Paperless Solutions I Please Make Checks Payable to: Complete Paperless Solutions

ACORO CERTIFICATE OF LIABILITY INSURANCE

DATE ( MM/ DD/ YYYY)
6/ 20/ 2023
THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS

CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER( S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER.

IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement( s).

PRODUCER
Robert Harris Insurance Agency, Inc.

Lic. # 0216736
3150 Bristol St., Suite 200
Costa Mesa CA 92626
CONTACT Arlene Rhodes NAME:

PAHic NN Ext: (
714) 619- 4480 FAX NU: ( 719) 619- 9981

E- MAIL
ADDRESS: arlene@reharris. com
INSURERS AFFORDING COVERAGE NAIC #
INSURER A: Travelers Casualty Insurance Co of Ames 19046

INSURED
Complete Paperless Solutions
5130 E La Palma Ave
Ste 206
Anaheim CA 92807- 2078
INSURER B: Hartford Casualty Ins. Co. 29424
INSURERC: Llo ds of London
INSURER D:

INSURER E:

INSURER F:

COVERAGES CERTIFICATE NUMBER: 23- 24 Master Cert REVISION NUMBER:

THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS

CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS.

INSR LTR TYPE OF INSURANCE

ADSL SUBR

POLICY NUMBER

POLICY EFF

MM/ DD/ YYYY

POLICY EXP

MM/ DD/ YYYY LIMITS
X COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $ 2, 000, 000

A CLAIMS - MADE OCCUR

DAMAGE TO RENTED
300, 000 PREMISES Ea occurrence $
MED EXP ( Any one person) $ X 6808B847614 6/ 23/ 2023 6/ 23/ 2024 5, 000 PERSONAL & ADV INJURY $ 2, 000, 000
GEN' LAGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $ 4, 000, 000

X POLICY PRO
JECT F__] LOC PRODUCTS - COMP/ OP AGG $ 4, 000, 000
DEENC $ OTHER:

AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT $
2, 000, 000 Ea accident
BODILY INJURY ( Per person) $
A

ANYAUTO

ALL OWNED SCHEDULED

AUTOS AUTOS
68068897619 6/ 23/ 2023 6/ 23/ 2024 BODILY INJURY ( Per accident) $

PROPERTY DAMAGE
Per accident) ccident $ X

NON -OWNED
HIREDAUTOS Ix AUTOS

UMBRELLA LIAB HCLAIMS-MADE
OCCUR EACH OCCURRENCE $
AGGREGATE $ EXCESS LAB E. D I I RETENTION $

WORKERS COMPENSATION

AND EMPLOYERS' LIABILITY Y / N
X PER OTHSTATUTE ER
B

ANY PROPRIETOR/ PARTNER/ EXECUTIVE
MBER
in NH
EXCLUDED?
Mandatoryry )
NIA
72WECZX9262 6/ 23/ 2023 6/ 23/ 2024
E. L. EACH ACCIDENT $ 1, 000, 000
E. L. DISEASE - EA EMPLOYEE $ 1, 000, 000
If yes, describe under
DESCRIPTION OF OPERATIONS below E. L. DISEASE - POLICY LIMIT $ 1, 000, 000 C Professional Liability ESL0939682957 6/ 23/ 2023 6/ 23/ 2024 Each Claim& Aggregate $ 2, 000, 000 Claims Made Policy Each Claim Deductible $ 10, 000
DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES ( ACORD 101, Additional Remarks Schedule, may be attached if more space is required) Carrier D - Cyber Liability - Houston Casualty Company - Limit $ 2, 000, 000 - Effective 5/ 6/ 2023 to 5/ 6/ 2024

CERTIFICATE HOLDER CANCELLATION
ACORD 25 ( 2014/ 01)
INS025 ( 201401)
1988- 2014 ACORD CORPORATION. All rights reserved.

The ACORD name and logo are registered marks of ACORD

SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE City of Redondo Beach THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN its elected and appointed officials,
ACCORDANCE WITH THE POLICY PROVISIONS.
officers, employees and volunteers

AUTHORIZED REPRESENTATIVE
415 Diamond Street
Redondo Beach, CA 90277
Steve Harris/ ARLENE
ACORD 25 ( 2014/ 01)
INS025 ( 201401)
1988- 2014 ACORD CORPORATION. All rights reserved.

The ACORD name and logo are registered marks of ACORD
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/ 23 Effective hour is the same as stated on the Information Page of the policy.

Named Insured and Address: COMPLETE PAPERLESS SOLUTIONS LLC 5130 E LA PALMA AVE STE 206
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 for whom you are required by written contract or agreement to obtain this waiver of rights from us
City of Redondo Beach, its elected and appointed officials, officers, employees and volunteers.

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

Process Date: 05/ 14/ 23 Policy Expiration Date: 06/ 23/ 24 CfC POLICY # ESL0939682957
26 c. any other law, regulation or statute relating to unsolicited communication, distribution, sending or transmitting of any communication via telephone or any other electronic or telecommunications device.

However, this Exclusion will not apply to INSURING CLAUSE 1 ( SECTION F only).

62. Vacant premises
in respect of INSURING CLAUSES 4 and 5, resulting from premises left vacant for more than 60 consecutive days.

63. War
arising directly or indirectly out of:
a. war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war is declared or not), civil war, rebellion, insurrection, civil commotion assuming the proportions of or mounting to an uprising, military or usurped power; or
b. any action taken in controlling, preventing, suppressing or in any way relating to a. above.

64. Website content accessibility
arising directly or indirectly out of the actual or alleged violation of any laws, regulations or guidelines relating to the accessibility of your website content.

65. Willful or dishonest acts of senior executive officers arising directly or indirectly out of any willful, criminal, malicious or dishonest act, error or omission by a senior executive officer as determined by final adjudication, arbitral tribunal or written admission.

1. What you must do in the event of a claim or cyber incident If any senior executive officer becomes aware of any incident which may reasonably be expected to give rise to a claim under this Policy you must:
a. notify the claims managers ( in respect of cyber incidents, a telephone call to our cyber incident response line will constitute notification) as soon as is reasonably practicable and follow their directions. However, in respect of INSURING CLAUSES 1 ( SECTIONS A, B, C, D, E, G and H only) and 3 ( SECTION G only) this notification must be made no later than the end of any applicable extended reporting period; and b. not admit liability for or settle or make or promise any payment or incur any costs and expenses without our prior written agreement ( which will not be unreasonably withheld).

If you discover a cyber event you may only incur costs without our prior written consent within the first 72 hours following the discovery and any third party costs incurred must be with a company forming part of the approved claims panel providers. All other costs may only be incurred with the prior written consent of the claims managers which will not be unreasonably withheld).

CFC Underwriting Limited is Authorized and Regulated by the Financial Conduct Authority 1999- 2019 CFC Underwriting Ltd, All Rights Reserved
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IFC I C
POLICY # ESL0939682957
27 2. Additional insureds
We will indemnify any third party as an additional insured under this Policy, but only in respect of sums which they become legally obliged to pay ( including liability for claimants' costs and expenses) as a result of a claim arising solely out of an act committed by you, provided that:
a. you contracted in writing to indemnify the third party for the claim prior to it first being made against them; and
b. had the claim been made against you, then you would be entitled to indemnity under this Policy.

Before we indemnify any additional insured they must:
a. prove to us that the claim arose solely out of an act committed by you; and b. fully comply with CONDITION 1 as if they were you.

Where we indemnify a third party as an additional insured under this Policy, this Policy will be primary and noncontributory to the third party' s own insurance, but only if you and the third party have entered into a contract that contains a provision requiring this.

Where a third party is treated as an additional insured as a result of this Condition, any claim made by that third party against you will be treated by us as if they were a third party and not as an insured.

3. Agreement to pay claims ( duty to defend)
We have the right and duty to take control of and conduct in your name the investigation, settlement or defense of any claim. We will not have any duty to pay costs and expenses for any part of a claim that is not covered by this Policy.

You may ask the claims managers to consider appointing your own lawyer to defend the claim on your behalf and the claims managers may grant your request if they consider your lawyer is suitably qualified by experience, taking into account the subject matter of the claim, and the cost to provide a defense.

We will endeavor to settle any claim through negotiation, mediation or some other form of alternative dispute resolution and will pay on your behalf the amount we agree with the claimant. If we cannot settle using these means, we will pay the amount which you are found liable to pay either in court or through arbitration proceedings, subject to the limit of liability.

We will not settle any claim without your consent. If you refuse to provide your consent to a settlement recommended by us and elect to continue legal proceedings in connection with the claim, any further costs and expenses incurred will be paid by you and us on a proportional basis, with 50% payable by us and 50% payable by you. As a consequence of your refusal, our liability for the claim, excluding costs and expenses, will not be more than the amount for which the claim could have been settled.

4. Calculation of business interruption losses
In respect of INSURING CLAUSES 2 ( SECTION G only) and 5, in the event of a claim for any financial loss sustained by you, you must provide the claims managers with your calculation of the financial loss including. a. how the loss has been calculated and what assumptions have been made; and CFC Underwriting Limited is Authorized and Regulated by the Financial Conduct Authority 1999- 2019 CFC Underwriting Ltd, All Rights Reserved
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POLICY # ESL0939682957
28 b. supporting documents including account statements, sales projections and invoices.

If we are unable to agree with your calculation of the financial loss, we will appoint an independent expert agreed between you and us which will be paid for by us. If an independent expert cannot be agreed upon, one will be appointed by an arbitrator mutually agreed between you and us whose decision will be final and binding.

Once an independent expert has been appointed, their calculation of any financial loss sustained by you will be final and binding.

S. Cancellation
This Policy maybe canceled with 30 days written notice by eitheryou or us.

If you give us notice of cancellation, the return premium will be in proportion to the number of days that the Policy is in effect. However, if you have made a claim under this Policy there will be no return premium.

If we give you notice of cancellation, the return premium will be in proportion to the number of days that the Policy is in effect.

We also reserve the right of cancellation in the event that any amount due to us by you remains unpaid more than 60 days beyond the inception date. If we exercise this right of cancellation it will take effect from 14 days after the date the written notice of cancellation is issued.

The Policy Administration Fee will be deemed fully earned upon inception of the Policy.

6. Continuous cover
If you have neglected, through error or oversight only, to report an incident discovered by you that might give rise to a claim under this Policy during the period of a previous renewal of this Policy issued to you by us, then provided that you have maintained uninterrupted insurance of the same type with us since the expiry of that earlier Policy, we will permit the matter to be reported under this Policy and we will indemnify you, provided that:
a. the indemnity will be subject to the applicable limit of liability of the earlier Policy under which the matter should have been reported or the limit of liability, whichever is the lower; b. we may reduce the indemnity entitlement by the monetary equivalent of any prejudice which has been suffered as a result of the delayed notification; and
c. the indemnity will be subject to all of the terms and conditions of this Policy, other than a. above.

7. Cross liability and severability
In respect of INSURING CLAUSE 3 only, where there is more than one entity insured under this Policy, and subject to the limit of liability, any claim made by one insured entity against another insured entity will be treated as if they are a third party and knowledge possessed by one insured entity will not be imputed to any other insured entity.

8. Establishing loss of contents
If you make a claim under this Policy for loss of contents, you must reasonably establish how and when the incident took place. This may include confirmation that the incident was reported to the appropriate law enforcement authorities and details of any investigation they undertook.

CFC Underwriting Limited is Authorized and Regulated bythe Financial Conduct Authority 1999- 2019 CFC Underwriting Ltd, All Rights Reserved
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POLICY # ESL0939682957
29 9. Extended reporting period
In respect of INSURING CLAUSES 1 ( SECTIONS A, B, C, D, E, G and H only) and 3 ( SECTION G only), an extended reporting period of 60 days following the expiry date will be automatically granted at no additional premium. This extended reporting period will cover, subject to all other terms, conditions and exclusions of this Policy, claims first made against you during the period of the policy and reported to us during this extended reporting period.

No claim will be accepted by us in this 60 day extended reporting period if you are entitled to indemnity under any other insurance, or would be entitled to indemnity under such insurance if its limit of liabilitywas not exhausted.

10. Optional extended reporting period
In respect of INSURING CLAUSES 1 ( SECTIONS A, B, C, D, E, C and H only) and 3 (SECTION G only), if we or you decline to renew or cancel this Policy then you will have the right to have issued an endorsement providing an optional extended reporting period for the duration stated in the Declarations page which will be effective from the cancellation or non -renewal date. This optional extended reporting period will cover claims first made against you and reported to us during this optional extended reporting period but only in respect of any claim arising out of any act, error or omission committed prior to the date of cancellation or non - renewal and subject to all others terms, conditions and exclusions of this Policy.

If you would like to purchase the optional extended reporting period you must notify us and pay us the optional extended reporting period premium stated in the Declarations page within 30 days of cancellation or non - renewal.

The right to the optional extended reporting period will not be available to you where cancellation or non -renewal by us is due to non- payment of the premium or your failure to pay any amounts in excess of the applicable limit of liability or within the amount of the applicable deductible as is required bythis Policy in the payment of claims.

At the renewal of this Policy, our quotation of different premium, deductible, limits of liability or changes in policy language will not constitute non -renewal by us.

11. Fraudulent claims
If it is determined by final adjudication, arbitral tribunal or written admission by you, that you notified us of any claim knowing it to be false or fraudulent in any way, we will have no responsibility to pay that claim, we may recover from you any sums paid in respect of that claim and we reserve the right to terminate this Policy from the date of the fraudulent act. If we exercise this right we will not be liable to return any premium to you. However, this will not affect any claim under this Policy which has been previously notified to us.

12. Innocent non - disclosure
We will not seek to avoid the Policy or reject any claim on the grounds of non -disclosure or misrepresentation except where the non -disclosure or misrepresentation was reckless or deliberate.

13. Maintenance of employee automobile liability insurance It is a condition precedent to indemnity under INSURING CLAUSE 3 ( SECTIONS H and I only) that all employees who operate an automobile in the course of your business activities will maintain in full force and effect for the period of the policy primary automobile liability insurance in an amount equal to, or greater than, the minimum primary automobile liability limits required in the state of registration of the automobile. If you make a claim under INSURING CLAUSE 3 ( SECTIONS H and I only) and the employee has failed to meet these requirements then this Policy will only CFC Underwriting Limited is Authorized and Regulated by the Financial Conduct Authority 1999- 2019 CFC Underwriting Ltd, All Rights Reserved
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30 respond to provide excess coverage as though the requirements had been met, whereby you agree to pay all sums within and up to the required minimum limit.

14. Mergers and acquisitions
If you acquire an entity during the period of the policy whose annual revenue does not exceed 20% of the company' s annual revenue, as stated in its most recent financial statements, cover is automatically extended under this Policy to include the acquired entity as a subsidiary.

If you acquire an entity during the period of the policy whose annual revenue exceeds 20% of the company' s annual revenue, as stated in its most recent financial statements, cover is automatically extended under this Policy to include the acquired entity as a subsidiaryfor a period of 45 days.

Wewill consider providing cover for the acquired entity after the period of 45 days if:
a. you give us full details of the entity within 45 days of its acquisition; and b. you accept any amendment to the terms and conditions of this Policy or agree to pay any additional premium required by us.

In the event you do not comply with a. or b. above, cover will automatically terminate for the entity 45 days after the date of its acquisition.

Cover for any acquired entity is only provided under this Policy for any act, error or omission committed on or after the date of its acquisition.

No cover will be automatically provided under this Policy for any acquired entity:
a. whose business activities are materially different from your business activities; b. that has been the subject of any lawsuit, disciplinary action or regulatory investigation in the 3 year period prior to its acquisition; or
c. that has experienced a cyber event in the 3 year period prior to its acquisition, if the cyber event cost more than the highest deductible of this Policy.

If during the period of the policy you consolidate, merge with or are acquired by another entity then all coverage under this Policy will terminate at the date of the consolidation, merger or acquisition unless we have issued an endorsement extending coverage, and you have agreed to any additional premium and terms of coverage required by us.

15. Our rights of recovery
If we make any payment under this Policy then you must maintain all of your rights of recovery in respect of this payment against anythird party and make these available to us where possible.

We will not exercise any rights of recovery against employees or the estates, heirs, legal representatives or assigns of any employee in the event of their death, incapacity, insolvency or bankruptcy unless this is in respect of any fraudulent or dishonest acts or omissions as proven by final adjudication, arbitral tribunal or written admission by you.

CFC Underwriting Limited is Authorized and Regulated bythe Financial Conduct Authority 1999- 2019 CFC Underwriting Ltd, All Rights Reserved
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fV POLICY # ESL0939682957
31 Any recoveries will be applied in proportion to the amounts paid by you and us in relation to the claim under this Policy.

16. Prior subsidiaries
Should an entity cease to be a subsidiary after the inception date, cover in respect of the entity will continue as if it was still a subsidiary during the period of the policy, but only in respect of an act, error, omission or event occurring prior to the date that it ceased to be a subsidiary.

17. Process for paying privacy breach notification costs Any privacy breach notification transmitted by you or on your behalf must be done with our prior written consent.

We will ensure that notification is compliant with any legal or regulatory requirements and contractual obligations.

No offer must be made for financial incentives, gifts, coupons, credits or services unless with our prior written consent which will only be provided if the offer is commensurate with the risk of harm.

We will not be liable for any portion of the costs you incur under INSURING CLAUSE 2 ( SECTION B only) that exceed the costs that you would have incurred had you gained our prior written consent. In the absence of our prior written consent we will only be liable to pay you the equivalent cost of a notification made using the most cost effective means permissible under the governing law.

18. Waiver of subrogation
Notwithstanding CONDITION 15, we agree to waive our rights of recovery against any third party if, prior to the claim or incident which you reasonably expected to give rise to a claim, you entered into a contract that contains a provision requiring you to do this.

19. Choice of law and service of suit
In the event of a dispute between you and us regarding this Policy, the dispute will be governed by the laws of the State of the United States of America shown as the choice of law stated in the Declarations page. We agree, at your request, to submit to thejurisdiction of a court of competentjurisdiction within the United States of America Nothing in this Condition constitutes or should be understood to constitute a waiver of our rights to commence an action in any court of competent jurisdiction in the United States of America, to move an action to a United States District Court, or to seek a transfer of a case to another court as permitted by the laws of the United States of America or the laws of any State of the United States of America.

It is further agreed that service of process in such suit may be made upon the law firm stated in the Declarations page and that in any suit instituted against us, we will abide by the final decision of such court or of any appellate court in the event of an appeal. The law firm stated in the Declarations page is authorized and directed to accept service of process on our behalf in any such suit and, at your request, to give a written undertaking to you that they will enter a general appearance on our behalf in the event such suit is instituted.

Additionally, in accordance with the statute of any state, territory or district of the United States which makes such a provision, we hereby designate the Superintendent, Commissioner or Director of Insurance or other officer specified for that purpose in the statute, or his successor or successors in office, as our true and lawful attorney upon whom may be served any lawful process in any action, suit or proceeding instituted by you arising out of this Policy. The law CFC Underwriting Limited is Authorized and Regulated by the Financial Conduct Authority 1999- 2019 CFC Underwriting Ltd, All Rights Reserved
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32 firm stated in the Declarations page is hereby designated as the firm to whom the above mentioned officer is authorized to mail such process or a copy thereof.

CFC Underwriting Limited is Authorized and Regulated bythe Financial Conduct Authority 1999- 2019 CFC Underwriting Ltd, All Rights Reserved
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POLICY # 680813847614
f< 1R.J 1111 4119I ; KeZo1il,i>i4>; k &

COMMERCIAL GENERAL LIABILITY COVERAGE FORM
CG T1 00 02 19
SECTION I -- COVERAGES Beginning on Page
Coverage A —
Bodily Injury and Property Insuring Agreement....................................................... 1 Damage Liability
Exclusions.................................................................... 2 Coverage B —
Personal and Advertising Insuring Agreement....................................................... 6 Injury Liability
Exclusions..................................................................... 6 Coverage C —
Medical Payments Insuring Agreement....................................................... 9 Exclusions.................................................................... 9 SupplementaryPayments................................................................................................... 10 SECTION II — WHO IS AN INSURED....................................................................................... 11 SECTION III — LIMITS OF INSURANCE................................................................................... 13 SECTION IV — COMMERCIAL GENERAL LIABILITY CONDITIONS........................................ 13 Bankruptcy......................................................................................................................... 13 Duties In The Event Of Occurrence, Offense, Claim Or Suit............................................... 13 LegalAction Against Us...................................................................................................... 14 OtherInsurance................................................................................................................. 15 PremiumAudit................................................................................................................... 16 Representations................................................................................................................. 16 Separation Of Insureds...................................................................................................... 16 Transfer Of Rights Of Recovery Against Others To Us....................................................... 16 WhenWe Do Not Renew................................................................................................... 16 SECTION V — DEFINITIONS.................................................................................................... 16 CG TO 34 02 19
POLICY # 680813847614

COMMERCIAL GENERAL LIABILITY

COMMERCIAL GENERAL LIABILITY COVERAGE FORM
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 li — Who Is An
Insured.

Other words and phrases that appear in quotation
marks have special meaning. Refer to Section V —
Definitions.

SECTION I — COVERAGES
COVERAGE A — BODILY INJURY AND PROPERTY

DAMAGE LIABILITY

1. Insuring Agreement
a. 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.
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;
No other obligation or liability to pay sums or (
2) Receives a written or verbal demand or
perform acts or services is covered unless claim for damages because of the " bodily injury" or " property damage"; or explicitly provided for under Supplementary Payments. (
3) Becomes aware by any other means that
b. This insurance applies to " bodily injury" and " bodily injury" or " property damage" has property damage" only if: occurred or has begun to occur.

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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 the
cost 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 which
damages 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 intoxication
of any person;
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 or
location 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:
2) The furnishing of alcoholic beverages to a ( i) " Bodily injury' person under the legal drinking age or building and
under the influence of alcohol; or fumes, vapor
or originating

Includes copyrighted material of Insurance Services Office, Inc. with its permission. if sustained within a
caused by smoke,
or soot produced by
from equipment that
CG T1 00 0219
is used to heat, cool or dehumidify
the building, or produced by or
originating from equipment that is
used to heat water for personal
use by the building' s occupants or
their 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 an
additional insured with respect to
your ongoing operations performed
for that additional insured at that
premises, site or location and such
premises, site or location is not
and never was owned or occupied
by, or rented or loaned to, any
insured, other than that additional
insured; or
iii) "Bodily injury" or " property
damage" arising out of heat,
smoke or fumes from a " hostile
fire';
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:

Any insured; or
ii) Any person or organization for
whom you may be legally
responsible;
d) At or from any premises, site or
location 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 " property
damage" arising out of the escape
of fuels, lubricants or other
operating fluids which are needed

COMMERCIAL GENERAL LIABILITY
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, lubricants
or 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 of
the operations being performed by
such insured, contractor or
subcontractor;
ii) " Bodily injury" or " property
damage" sustained within a
building 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 or
location 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 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, " pollutants"; or
CG T1 00 02 19 ® 2017 The Travelers Indemnity Company. All rights reserved. Page 3 of 21 Includes copyrighted material of Insurance Services Office, Inc. with its permission_

COMMERCIAL GENERAL LIABILITY
b) Claim or suit by or on behalf of any b) The operation of any of the machinery governmental authority or any other or equipment listed in Paragraph f.(2) person or organization because of or f.(3) of the definition of " mobile testing for, monitoring, cleaning up, equipment'; or
removing, containing, treating,
detoxifying or neutralizing, or in any
6) An aircraft that is:
way responding to, or assessing the a) Chartered with a pilot to any insured; effects of, " pollutants".
b) Not owned by any insured; and
g. Aircraft, Auto Or Watercraft c) Not being used to carry any person or Bodilyinjury" J rY or " property dama 9 e" arising9 out property for a charge, of the ownership, maintenance, use or
auto"
h. Mobile Equipment entrustment to others of any aircraft, or watercraft owned or operated by or rented or Bodily injury" or " property damage" arising out loaned to any insured. Use includes operation of:
and " loading or unloading". 1) The transportation of " mobile equipment" This exclusion applies even if the claims by an " auto" owned or operated by or against any insured allege negligence or other rented or loaned to any insured; or wrongdoing in the supervision, hiring,
employment, training or monitoring of others by
2) The use of " mobile equipment" in, or while
that insured, if the " occurrence" which caused in practice for, or while being prepared for, the " bodily injury" or " property damage" involved any prearranged racing, speed, demolition, the ownership, maintenance, use or or stunting activity entrustment to others of any aircraft, " auto" or i. War watercraft that is owned or operated by or Bodily injury" or "property damage" arising out rented or loaned to any insured. of:

This exclusion does not apply to: 1) War, including undeclared or civil war; 1) A watercraft while ashore on premises you 2) Warlike action by a military force, including own or rent; action in hindering or defending against an 2) A watercraft you do not own that is: actual or expected attack, by any government, sovereign or other authority
a) 50 feet long or less; and using military personnel or other agents; or b) Not being used to carry any person or 3) Insurrection, rebellion, revolution, usurped property for a charge;
power, or action taken by governmental
3) Parking an " auto" on, or on the ways next authority in hindering or defending against to, premises you own or rent, provided the any of these. auto" is not owned by or rented or loaned j, Damage To Property to you or the insured; Property damage" to:
4) Liability assumed under any " insured
contract for the ownership, maintenance or
1) Property you own, rent, or occupy,
use of aircraft or watercraft; including any costs or expenses incurred by you, or any other person, organization or
5) " Bodily injury" or " property damage" arising entity, for repair, replacement, out of: enhancement, restoration or maintenance
a) The operation of machinery or
of such property for any reason, including
equipment that is attached to, or part prevention of injury to a person or damage of, a land vehicle that would qualify as
to another' s property;
mobile equipment" under the definition 2) Premises you sell, give away or abandon, if of " mobile equipment" if such land the " property damage" arises out of any vehicle were not subject to a part of those premises;
compulsory or financial responsibility
law, or other motor vehicle insurance 3) Property loaned to you; law, where it is licensed or principally 4) Personal property in the care, custody or garaged; or control of the insured;

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

COMMERCIAL GENERAL LIABILITY
5) That particular part of real property on accidental physical injury to " your product" or which you or any contractors or .. your work" after it has been put to its intended subcontractors working directly or indirectly use.
on your behalf are performing operations, if
n. Recall Of Products, Work Or Impaired
the property damage" arises out of those
operations; or Property
6) That particular part of any property that Damages claimed for any loss, cost or expense must be restored, repaired or replaced incurred by you or others for the loss of use, because " your work" was incorrectly
withdrawal, recall, inspection, repair,
performed on it. replacement, adjustment, removal or disposal of:

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 this
exclusion do not apply to liability assumed
under a sidetrack agreement.

Paragraph ( 6) of this exclusion does not apply
to " 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.

I. 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
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, transmitting
or distributing of " unsolicited communication".
r. Access Or Disclosure Of Conidfenital 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.

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COMMERCIAL GENERAL LIABILITY
It.
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.

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, violation
of 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 ADVERTISING

INJURY LIABILITY

1. Insuring Agreement
a. We will pay those sums that the insured
becomes 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 — 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 " 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 or
at the direction of the insured with the
knowledge that the act would violate the rights
of another and would inflict " personal and
advertising injury".

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

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 of
its 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 before
the beginning of the policy period; or
2) " Advertising injury" arising out of
infringement of copyright, " title" or " slogan"
in your " advertisement" whose first
infringement in your " advertisement" was
committed before the beginning of the
policy 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 by
you 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 the
cost of, that party' s defense has also
been assumed by you in the same
insured contract"; and

COMMERCIAL GENERAL LIABILITY
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 - Failure
To 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".

L 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 Type
Businesses
Personal and advertising injury" caused by an
offense committed by an insured whose
business is:
b) Such attorneys' fees and litigation
expenses are for defense of that party (
1) Advertising, " broadcasting" or publishing;
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COMMERCIAL GENERAL LIABILITY
2) Designing or determining content of
websites 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 the
business 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 of
an electronic chatroom or bulletin board the
insured hosts or owns, or over which the
insured exercises control.

I. Unauthorized Use Of Another' s Name Or
Product
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 or
escape 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 in
any way respond to, or assess the effects
of, " pollutants"; 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, transmitting
or 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:
2) Claim or suit by or on behalf of any ( a) Request, demand, order or statutory or governmental authority or any other person regulatory requirement that any insured or organization because of testing for, or others test for, monitor, clean up, monitoring, cleaning up, removing, remove, contain, treat, detoxify or containing, treating, detoxifying or neutralize, or in any way respond to, or

Includes copyrighted material of Insurance Services Office, Inc. with its permission. 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 or
advance, harassment, humiliation,
discrimination, libel, slander, violation
of 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".

COMMERCIAL GENERAL LIABILITY
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 prosthetic
devices; 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 premises
you own or rent that the person normally
occupies.
d. Workers' Compensation And Similar Laws
To 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
COVERAGE C — MEDICAL PAYMENTS
or participating in any physical exercises or

1. Insuring Agreement games, sports, or athletic contests. a. We will pay medical expenses as described f. Products -Completed Operations Hazard below for " bodily injury" caused by an accident: included within the " products - completed 1) On premises you own or rent; operations hazard".
2) On ways next to premises you own or rent; g. Coverage A Exclusions or Excluded under Coverage A.

CG T1 00 02 19 ® 2017 The Travelers Indemnity Company. All rights reserved. Page 9 of 21 Includes copyrighted material of Insurance Services Office, Inc. with its permission.

COMMERCIAL GENERAL LIABILITY

SUPPLEMENTARY PAYMENTS

1. We will pay, with respect to any claim we
investigate 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 which
the 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 the
insured 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 assumed
the liability of the indemnitee in a contract or
agreement that is an " insured contract';
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.
b. This insurance applies to such liability assumed Our obligation to defend an insured' s indemnitee by the insured; and to pay for attorneys' fees and necessary
c. The obligation to defend, or the cost of the litigation expenses as Supplementary Payments defense of, that indemnitee, has also been ends when:

Includes copyrighted material of Insurance Services Office, Inc with its permission_ 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 to 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 are
insureds, 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 their
duties 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 acts
within the scope of their employment by you or
while performing duties related to the conduct
of your business. However, none of these
employees" or " volunteer workers" are
insureds 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 duties
related to the conduct of your
business, or to your other " volunteer

COMMERCIAL GENERAL LIABILITY
workers" while performing duties
related to the conduct of your
business;
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.

CG T1 00 02 19 © 2017 The Travelers Indemnity Company. All rights reserved. Page 11 of 21 Includes copyrighted material of Insurance Services Office, Inc. with its permission.

COMMERCIAL GENERAL LIABILITY
d. Your legal representative if you die, but only
with respect to duties as such. That
representative will have all your rights and
duties 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°1x, 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;
5 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 premises
owner, 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 or
use 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 premises
owner, 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.

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 " personal
and advertising injury" caused by an offense
that 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

Includes copyrighted material of Insurance Services Office, Inc. with its permission. 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 pay
under 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 applicable
Each Occurrence Limit, all related acts or
omissions committed in providing or failing to
provide first aid or " Good Samaritan services" to
any one person will be deemed to be one
occurrence".

6. Subject to Paragraph S. 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:

COMMERCIAL GENERAL LIABILITY
a. The amount shown for the Damage To
Premises Rented To You Limit in the
Declarations of this Coverage Part; or
b. $ 300, 000 if no amount is shown for the
Damage 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 12
months. In that case, the additional period will be
deemed part of the last preceding period for purposes of determining the Limits of Insurance.

SECTION IV — COMMERCIAL GENERAL LIABILITY

CONDITIONS

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

2. Duties In The Event Of Occurrence, Offense,
Claim Or Suit
a. 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 inc, ude:
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 the
claim 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 the
claim or " suit";
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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 any
person or organization which may be liable
to the insured because of injury or damage
to which this insurance may also apply.
d. No insured will, except at that insured' s own
cost, voluntarily make a payment, assume any
obligation, or incur any expense, other than for
first aid, without our consent.
e. 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 Il
Who Is An Insured:
1) Notice to us of such ' occurrence" or
offense must be given as soon as
practicable 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 a
partnership 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 are
an 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 none
of 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 after
the " 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, limited
liability company, trust or other
organization to give notice of an
occurrence" or offense.
3) Notice to us of such " occurrence" or
offense 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 of
its terms have been fully complied with.

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

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

4. Other Insurance
If valid and collectible other insurance * s 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, 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 11—
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 S. 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 fi. 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.

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.

CG T1 00 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
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.

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;

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.

CG T1 00 02 19 © 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.

POLICY # 68086847614

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 l —
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 II — 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.

B. WHO IS AN INSURED — UNNAMED

SUBSIDIARIES
The following is added to SECTION 11— 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 0219 O 2017 The Travelers Indemnity Company. All 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 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.

C. WHO IS AN INSURED — EMPLOYEES —

SUPERVISORY POSITIONS
The following is added to Paragraph 2. a.( f) 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
It — 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 11
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 II — 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 II — 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

Includes copyrighted material of Insurance Services Ofrica, 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:

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;
3) Repackaging, unless unpacked solely for
the purpose of inspection, demonstration,
testing, or the substitution of parts under
instructions from the manufacturer, and
then repackaged in the original container;
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";
5) Demonstration, installation, servicing or
repair operations, except such operations

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 11-- 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:
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 It — 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 O 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
III -- LIMITS OF INSURANCE:

7. Subject to Paragraph S. 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 m 2017 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.

NOTICE OF CANCELLATION TO CERTIFICATE HOLDER(S)
Policy Number: 72 WEC ZX9262 Endorsement Number:

Effective Date: 06/ 23/ 23 Effective hour is the same as stated on the Information Page of the policy.

Named Insured and Address: COMPLETE PAPERLESS SOLUTIONS LLC 5130 E LA PALMA AVE STE 206
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/ 23 Policy Expiration Date: 06/ 23/ 24 2011, The Hartford

SECOND AMENDMENT TO THE COMPLETE PAPERLESS SOLUTIONS

MAINTENANCE AND SUPPORT AGREEMENT BETWEEN

THE CITY OF REDONDO BEACH AND COMPLETE PAPERLESS SOLUTIONS, LLC

THIS SECOND AMENDMENT TO THE COMPLETE PAPERLESS SOLUTIONS MAINTENANCE AND SUPPORT AGREEMENT (" Second Amendment") is made between the City of Redondo Beach, a chartered municipal corporation (" City") and Complete Paperless Solutions, LLC, a California limited liability company (" CPS").

WHEREAS, on August 6, 2019, the parties entered into the Complete Paperless Solutions Maintenance and Support Agreement between the City and CPS ( the " Agreement"); and WHEREAS, on August 2, 2022, the parties entered into the First Amendment to the Agreement (the " First Amendment") to extend the Agreement to September 3, 2023; and WHEREAS, the parties desire to add scanning services; and WHEREAS, the parties desire to amend the Agreement.

NOW THEREFORE, in consideration of the promises and mutual covenants contained herein, and intending to be legally bound, the parties hereby agree to make the following amendments to the Agreement:

Project Description of Services. Exhibit " A" of the Agreement is hereby amended to add Exhibit " A- 1, which shall add scanning services. Exhibit " A- 1" is attached hereto and incorporated by reference.

2. Compensation. Exhibit " C" of the Agreement is hereby amended to add Exhibit " C- 1" to increase CPS' compensation by $29, 700, resulting in a total compensation limit of 133, 827. Exhibit " C- 1" is attached hereto and incorporated by reference. CPS shall be compensated for the services described in Exhibits " A"' to " A- 1 ".

3. No Other Amendments. Except as expressly stated herein, the Agreement shall remain unchanged and in full force and effect. The Agreement, First Amendment and this Second Amendment constitute the entire agreement between the parties and supersede any previous oral or written agreement with respect to the subject matter hereof. In the event of any inconsistency between the terms of the Agreement, First Amendment, and this Second Amendment, the terms of this Second Amendment shall govern.

IN WITNESS WHEREOF, the parties have executed this Second Amendment in Redondo Beach, California, as of this 6th day of June, 2023.

CITY OF REDONDO BEACH,
a chartered municipal corporation
Eo
DocuSigned by:
wm C. i WAAAj
E6413C7231DF4E1...

William C. Brand, Mayor
ATTEST:

DocuSigned by:
72F2AC716C214CF...

Eleanor Manzano, City Clerk
APPROVED AS TO FORM:

DocuSigned by:

R( a
669049EDE03D402...

Michael W. Webb, City Attorney

COMPLETE PAPERLESS SOLUTIONS,
LLC, a California limited liability company
Dooc uSigned by::
ff
By: E44EC76 DA925F4C5ME
Name:

Title: CFO
APPROVED:

Ev
DocuSigned by:

AAA), SfVdf #, AA,
ABED8CF35EEF48C...

Diane Strickfaden, Risk Manager
EXHIBIT " A- 1"

PROJECT DESCRIPTION OF SERVICES
CPS shall provide the following services:

Scanning Service Service Description
Document Scanning
Service Paper ( LETTER SIZE 8X11)
Estimated 200 Boxes = Estimated 400,000
File Cabinet Records
Boxing Service ( Remove Records From File
Cabinet Manifest and Box
Scanning Services: Document Scanning Service Paper ( Large Format Drawings B& W EXHIBIT " C- 1"

COMPENSATION

1. Payment: CPS shall be paid for the services outlined in Exhibit " A- 1" in accordance with the quote attached hereto. However, in no event shall CPS' total compensation exceed $ 133, 827 under the Agreement and amendments hereto.

2. Schedule for Payment: City will pay within forty- five days ( 45) of City' s receipt of invoice for the services described in this Second Amendment.

3. Method of Payment: CPS shall provide invoices to City for approval and payment.

Invoice must be itemized, adequately detailed, based on accurate records, and in a form reasonably satisfactory to the City. CPS may be required to provide back- up material upon request.

Complete Paperless,
cps Solutions
H ' e

ADDRESS
City of Redondo Beach
401 Diamond Street
Redondo Beach, CA 90277
USA
Accepted By
Complete Paperless Solutions
5130 E La Palma Av. Ste 206
Anaheim, CA 92807
866) 661- 2425
[email protected]

SHIP TO
City of Redondo Beach
401 Diamond Street
Redondo Beach, CA 90277
USA
QUOTE # 2525
DATE 03/ 28/ 2023
Scanning Svs 20, 000 0. 045 900. 00
Scanning Services: Document Scanning
Service Paper ( LETTER SIZE 8X11)
Estimated 200 Boxes = Estimated 400, 000
Images
Scanning Svs 60 25. 00 1, 500. 00
Scanning Services: File Cabinet Records
Boxing Service ( Remove Records From File
Cabinet Manifest and Box)
Scanning Svs 42, 000 0. 65 27, 300. 00
Scanning Services: Document Scanning
Service Paper ( Large Format Drawings) B& W
TOTAL $ 29,700.00
Accepted Date
Tax ID: 27- 0926551 1 Please Make Checks Payable to: Complete Paperless Solutions I Please Make Checks Payable to: Complete Paperless Solutions
ACOR" CERTIFICATE OF LIABILITY INSURANCE

DATE ( MM/ DD/ YYYY)
1111 1
06/ 08/ 2022
THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS

CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER( S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER.

IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must have ADDITIONAL INSURED provisions or be endorsed.

If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement( s).

PRODUCER CONTACT Arlene Rhodes
NAME:

Robert Harris Insurance Agency, Inc. a/c°NNo Ext): ( 714) 619- 4480 A C, No): ( 714) 619- 4481 Lic. # 0216736 E- MAIL
arlene@reharris. com
ADDRESS:

INSURER( S) AFFORDING COVERAGE NAIC # 3150 Bristol St., Suite 200 Costa Mesa CA 92626 INSURER A: Travelers Casualty Insurance Co of America 19046 INSURED INSURER B: Hartford Casualty Ins. Co. 29424
Complete Paperless Solutions INSURER C : Lloyds of London 5130 E La Palma Ave INSURER D:

Ste 206 INSURER E:

Anaheim CA 92807- 2078 INSURER F:

COVERAGES CERTIFICATE NUMBER: 22- 23 Master Cert REVISION NUMBER:

THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS

CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS.

INTR TYPE OF INSURANCE

ADDLSUBR

INSD WVD POLICY NUMBER

POLICY EFF

MM DD YYYY

POLICY EXP

MM DD YYYY LIMITS
X COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $ 2' 000' 000

CLAIMS - MADE X OCCUR
DAMAGE TO RENTED 300, 000
PREMISES Ea occurrence $
MED EXP ( Any one person) $ 5' 000
PERSONAL & ADV INJURY $ A Y 680813847614 06/ 23/ 2022 06/ 23/ 2023 2' 000' 000 GEN' L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $ 4' 000' 000 POLICY PRO JECT LOC 4' 000' 000 PRODUCTS - COMP/ OPAGG $ DEENC $ OTHER:

AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT $ 2, 000, 000 Ea accident
ANY AUTO BODILY INJURY ( Per person) $
A

OWNED SCHEDULED

AUTOS ONLY AUTOS
680813847614 06/ 23/ 2022 06/ 23/ 2023 BODILY INJURY ( Per accident) $ PROPERTY DAMAGE $ X HIRED/ Per accidentNON - OWNED

AUTOS ONLY X AUTOS ONLY
UMBRELLA LIAB OCCUR EACH OCCURRENCE $
AGGREGATE $

EXCESS LIAB CLAIMS - MADE
DED RETENTION $ r $
B

WORKERS COMPENSATION

AND EMPLOYERS' LIABILITY Y / N

ANY PROPRIETOR/ PARTNER/ EXECUTIVE
OFFICER/ MEMBER EXCLUDED?
Mandatory in NH)
NIA 72WECZX9262 06/ 23/ 2022 06/ 23/ 2023
X1 STATUTE
E. L. EACH ACCIDENT $ 1, 000, 000
E. L. DISEASE - EA EMPLOYEE $ 1, 000, 000
If yes, describe under
DESCRIPTION OF OPERATIONS below E. L. DISEASE - POLICY LIMIT $ 1, 000, 000
Each Claim $ 2, 000, 000
C
Professional Liability
Claims Made Policy TBD 06/ 23/ 2022 06/ 23/ 2023 Aggregate $ 2, 000, 000 Each Claim Deductible $ 10, 000
DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES ( ACORD 101, Additional Remarks Schedule, may be attached if more space is required) Coverage Afforded by Carrier C: Lloyds of London -
Cyber Liability Limit $ 2, 000, 000, subject to a $ 10, 000 deductible.

CERTIFICATE HOLDER CANCELLATION
@ 1988- 2015 ACORD CORPORATION. All rights reserved.

ACORD 25 ( 2016/ 03) The ACORD name and logo are registered marks of ACORD

SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE

THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN City of Redondo Beach Department of Engineering and Building ACCORDANCE WITH THE POLICY PROVISIONS.
415 Diamond Street

AUTHORIZED REPRESENTATIVE
Redondo Beach CA 90277
@ 1988- 2015 ACORD CORPORATION. All rights reserved.

ACORD 25 ( 2016/ 03) The ACORD name and logo are registered marks of ACORD c. any other law, regulation or statute relating to r..msolicrted comma..Anicarion, distribution, sending or transmitting of any conmi.. Ank: arionvia L(. deplboneor' any other electronic or telecommunications device.

However, this Exclusion will not apply to INSURING C11 AUSIE:1 (SIEECT1101114IF" only).

62. Vacant Ipireirniiises
in respect of 111114SUIRIIII14G OR AUSIES 4 and 5, rc.asulting frory) preimrises left vacant for more than 60 consecutive days.

63. Wair
arising directly or indirectly out of:
a. war, invasion, acts of foreign enernies, hostilities or warlike operations ( whether war is declared or riot), civil war, rebellion, insurrection, civil cornmotion assd..irning the proportions of or rnm.Anting to an i..1prising, military or tis..irped power; or
h. any action taken in controlling, preventing, suplz) ressing or in any way relating to a. above.

64. Ib it cointent accessribrillity
arising directly or indirectly oa..at of the actt..ial or alleged violation of any laws, regulations or guidelines n:flating to the accessibility of your welosiL. e content..
65, Willifull oir dishorwest acts of seinfioir executive offficeirs arising directly or indirectly out of any willful, criminal, malicious or dishonest act, error or omission by a seinior executirve officeir as ( Jotermined by final adjudic-ation, arbitral triba. inal or written adryflssion.

L What you must do fin the event of a c1lafirn oir cylbeir finclident If any seinioir executive of liceir becomes aware of any ' incident: which may reasonably be expected to give rise to a claim i.. Ander this policy you
a. notify the clafirns imainagers ( in rc.+speci: of cyber incidenrs, as telephone call to our cyber incide.nr response line will constitute notification) as soon as is reasonably pracdcable and follow their directions. I owever, in respect of IIINSU11411ING C11 ALPSIES ' I ( SIEECT1101114S A, IB, C, ID, IE, C and IH only) and 3 ( SIEECTIOIN G only) this notification mt..ist be made no later- than the end of any applicable extended reporting period; and It). riot admit liability for or settle. or make or promise any payment or incur any costs and expenses without our prior written agvec..-)rYient ( whi(,,,h will not be unreasonably withheld).

If you discover a cylbeir eveint you may only incur costs without ouir prior written consent within the first 72 hours following the discovery and any thihird 1pairty costs incurred must be with a company forming part of the approved clafirns 1painell Ipirovideirs, All other costs may only be incurred with the prior written consont of tho clafirns imainageirs which will not bC unreasonably withhold).

2. Additionall finsuireds
We will indemnify any thfird 1pairty as an additional insured undor this Policy, but. only in respect of sa..Ams which they become legally obligod to pay ( inrdu( Jing liability for (. Jairnams' costs and oxperises) as a msulL of a c1lahn arising solely out of an act cornn"irtted by you, provided that:
a, you contrac,'Led in writing to indc..Imnify the thfird 1pairty for fl'iec1laiihm prior to it first being ITtade against Lhern; and
b. had the c1lafirin been made against you, then you would be entitled to inc: ernnity under, this Poli(. -y.

Before we indernnify any additional insured they mi..isr a. prove to us that the clailirn aros(-.a solely out of an act c(..')rnrnitLed byyou; and L-.). fr-illy comply with COIN 1: 311110IN ' I as if they w(.. -. r(.- you.

Where we indemnify a thfird 1pairty as an additional insured under this policy, this Iaolicy will be primary and non - contributory to the t1hird 1pairty" s own insurance, bur, only if you and the t1hfird 1party have entered into as contract that contains a provision requiring this.
where a thfird 1panirty is treated as an additional insured as a result of this Condition, any c1lafirn niade by that thfird party against you will be treated by us as if they were a thfird 1pairty and riot as an insured.

3. Agireeirneirit to 1pay c1larihms ( duty to defeind)
We have the right and 6.Ay to tako control of and conduct in your narne the invo-sti(..-)atior-i, scUlor' nent or d(--f(-,r) sc of any clairn. We will riot have any duty to pay costs aind expenses for any part of a clailirn that is not covered by this Policy,
You may ask the c1lafirins innainiageirs to consider appointing youir own lawyer to defend the c1lafirn on youir behHlfand I he c1lafirvis mainageirs may grant your request if they consider your lawyer is suitably qualified by experience, taking into accor..mL the s..ibject rnaLter of the c1lafirin, and the cost to provide a defense.

We will endeavor to settle any clafirn through negotiation, mediation or some other- form of alternative dispute resolution and will pay on youir behalf the amount we agree with t.he claimant. If we cannot settle using these means, we will pay the amount. which you are found liable to pay either in court or through arbitration proceedings, subject to the IIiirarnit ofIrialbillity.

We will not settle any c1lafim without youir c(.:)nsont. If you refuse to provide youir consent to a sc1: tk-rn(..,nt r- ccommorided by us and elect to continue lcgal procccxi i rigs in connection with the c1lafirn, any further costs aind expenses incurred will be paid by you and us on a proportional basis, with 50% payable by us and 50% payable by you, Asa conscqc..iencc of your refusal, ouir liability for the c1la6irn, oxck.idirig costs and expenses, will not be more than the arnount for which tl-ic c11a6irn could h'avc, bcon settled.

4. Calculation of Ibuusfinness finteirrulption Ila sses In respect of IIINSURIIING CII AUSII:..-", S 2 ( SIEEC" 1110IN G only) and 5, in the event of a claire for any financial loss s..istained by you, you rn..ast provide the c1lailirns rinainageirs with youir calculation of the financial loss including. a. how the los„ has been calculated arid what assur'nictions have been nriade; arid C zo
b. supporting documents indudingaccount statements, sales prNectionsand invoices.

If we are unable to agree with youir calculation of the financial loss, we will appoint an independent expert agreed between you arid us which will be paid for by us. If an independent expert cannot be agreed upon, one will be appointed by an arbitrator rm.M..ally agreec-i between you ar)d us whose decision will be final and binding.

Dnce an inc..Aependent expert has been appointed, their (-.alculanon of any financial loss sustain(.:d by you will be final S. Cancellation
This Policy rnay be canceled with 30 days written notice by either you or us.

If you give R.As notice of cancellation, the return pireimium will be in proportion to the nurnber of days that the [Dolicy is in effecL I lowever, if you have made a claim under this Policy there will be no renjim pireirniunn.

If we give. you notice of cancellation, the return pireirnium will be in proportion to the nurnber of days thar. the Policy isineffect.

We also ros(..rvo tho right of cancollaLron in tho evont that any arno..jnt 6..io to us by you romains unpaid more than 5Odays beyon6the Uncelptioin date. |fweexeoiso this right ofcancellation itwill take effecfrom Mdays ofterthe Fhe PolicyAdminisLration Fee will be deemed fully earned upon inception of trie policy.

6. Coimtfinuous cover
If you have neglected, U- irougl- i error- or oversight c- mly, to report an incident discovered by you that might give risetu a d a ir-n under this Po I icy during Lhe period of a previor. is renewa I of this V) olicy issued to you by us, the nprovided that you have mainrained uninterrup* mdinsuranceufLhesam* type with ussince the expiry ufthoLearlier Po| icy, wewiU permit the maLt(.,r U) be reported under this Policy and we will indernnifyyou, proM(Jed that:
a, the indemnity wiUbe, subject to the applicable limit of liability of Lhe c.adior Policy under which the matter should have boon remwrtodqrtheUfimmfit ofU11albillfity, whicheveristho,| nwcr b. we may , cduocthc indomnitycntit| cnnent by mo monoltarycquiva| cnt of any pr(.-judicovvhich has boon suffered asarcsu|tnfthodc|ayodnotification; and
c Lho indemnity will bo subioct to all of Lho Lorms and conditions of Jhis Policy, othcr than a. above. 7, Cross 0ialbril0ty aindseveiralbil0ty
nrespect of INSURING C11 AKSIE.E 3 only, where there is more than one entity insurec.1 under this policy, and suL)ject to theHmmlit ofUialbriUrity, any cUafimmmade byone insured entity egainstanother insured entity will betreatedaoifthey are athfird 1pairty and knowledge possE."'Issed by insured entity will not be irnpuLed to any other insured entity.

8. Estalbirishfimg loss of contents
If you rnake a claim uinder this V:) olicy for loss of contents, you must reasonably establish how and when the incident took place. This may include confirmation that the incident was reported to the appropriate law enforc ement authorities and details ufany invesLigahonthey undertook.

9. Extended Irelpoirtfing peiriod
In respect of IIINSU11411ING OR AUSIES' l ( SIEC" I"POINS A, II3, C, D, G and IH only) and 3 ( SIECT101M G only), an oAondod reporting perio(J of 60 days following thio expliry date will be a..Atornatically grante.c.J at no additional pronnii..Am. lhis extended reporting penoci will cover, subject to all c.:> Llher terms, conditions and exck.isions of this c1lafirns first mac.1c.., against you during the, 1peiriod of the 1policyand reporLe(.A to us during U- iis exLenc.R:rd reporting perk) d.

No clairn will be accepted by us in this 60 day exLended reporting period if you are entitled to inderinniry under any other ins..irance, or would be entitled to indernnity ..inder si..iclh insurance if its limit of liability was riot exhausted,

10. Olptionall extendedrelpoirtfing peiriod
In respect of 11INSURIIING C11 AUSII:..:.S' l ( SIEECTIOINS A, 11: 3, C, ID, G and 11- 1 only) and 3 ( SIG c"nam G only), if we or you decline to renew or cancel this Policy then you will have the right- to have issued an endorsery) ent providing an optional extended reporting period for the duration stated in then Declarations page which will be effective from the ca ric(.fl la Lion or non -renewal date. I his optional extended reporting period will cover c1lafirns first made against you and reported to us curing this optional extended reporting period but.. only in respect of any clafirn arising out of any act, error or omission committed prior to the) date of cancellation or non -renewal and sulpiect to all others terms, onditions and exclusions of this Policy.

If you would like to purchase the optional extended rcpori: ing period you must notify us and pay us the optional xtc,nd(--d reporting period prornium stated in the [Doclarations page within 30 days of cancellation or non -renewal.

The right to the optional extended reporting period will not be available to you wher(.."el cancellation or nori- renewal by us is due to non -payment of th(I Iplreirmnliu, ulrren or youir failure to pay any arnounts in exc(..ss of the applicable IIimit of Iliialbillfity or within the arnount. of the applicable deductible as is required by their" Policy in the payment of clairns.

At the renewal Of LhrS Policy, ouir quoLaLiC) 1- 1 of different pireirnluirn, deductible, limits of liability or changes in policy language will riot Constitute nC.) n - renewal by us.

11. Fraudulent dialims
If it is determined by final adjr.idication, arbitral tribunal or written adrnission by you, that you notified us of any claire) knowing it to be false or fra+.Aulcr) L in any way, we will have no responsibility to pay that clairn, we may recover from you any sums paid in respect of that cls irn and we roservc the right to torminatc, this Policy from thc, caLe, of the fraudulent act, If we exordso this, right we will not be liable to return any preinnihi. Airn to you. I lovv(- vpr, this will not affect any clairn under this Policy which has boon prcviously notified to us.

12. Illrnlrnoceint noin disclosure
We will not seek to avoid the Policy or reject any claim on the grounds of nor) -(J1SC1OSUrc.-., or misrepresentation exc'ept where the non -disclosure or misrepresentation was reckless or deliberate.

13. IIwlalinteinaince of einnIpIloyee autoii- nolbille fialbrillrity finsuiraince It is a condition pr(..,cedent to ind(.: n-inity ui ic..Jer IIINSU114111ING OR AUSII:..:. 3 ( ECT[ , 3N I14 arid 11 only) that all eimployees who aper ate) an auLorin(-)bile in the course of youir business activities will maintain in full force and cff(.:ct for the 1peirriod of the 1pollicy pririnary automobile liability insurance in an amount equal to, or greater than, Lhe rninirnurn primary aa.Aornobilc liability lirinits requirec..J in the state of re.gistration of the If you nriak(-.e a dialim (..mder IIINSU11411ING C11 AUSII:..:. 3 ( SIEECT- 110INS I14 and 11 only) and the eirnployee has failed to rne(.-.t these rr quirern('. nts then this Policy will only respond to provide excess coverage as though the req.. Jrernents had been mer, whereby you agree to pay all surras within arid up to the required mininium limit.

14. IMeirgeirs aind acquislitions
If you ac cluire ari entity during the Ipeirdod of the pollricy whose ar-im.ial mvenue does riot exceed 20% of the coirvilpainy' s annual revenue, as stated in its ry-rost recent financial stalLerrients, cover is a. Aornatic.:Aly extencied under this Policy to in(:.-.' Iude the: accuired entity as a subsidiairy.

If you accii-Are ara entity during the Ipeiriod of th Ipolicywhose annual revenue exceeds 20% of the company' s annual revenue, as stated in its most recent financial staternents, cover is automatically extended under tl'-fls Policy to include the acquired entity as a sulbsidlairy R -.)r a perio(..-I of 45 days.

We will providing cover for the acciuir(::sd entity after the. period of 45 days if:
a. you give us full details of the entity within 45 days of its acquisition; and p. you accept any amendment to the terms and conditions of this Policy or agree to pay any additional pireir-niurn required by us.

In the event you do not comply with a. or b. above, cover will automatically terminate for the entity 45 days after the date of its accl u isi Lion.

Covor for any acquired cntty is only provided undor this Policy for any act, error or omission comr-nitLodon or after the date of its acquisition.

No cover will be autornaLically provided under this Policy for any acquired entity:
a. whose business activities are materially diffr: rent frc)rn youir business activities; b. that. bias been the subject of ariy lawsuit, disciplinary action or regulatory investigation in the 3 year period prior to its acquisition; or
c. thar.. has experienced a cylbeir eveint in the 3 year period prior to its acquisition, if the cybeir event cosl more than the highest. deductfilble ofthis Policy.

If cl.. iring r.h(.- 1peirilod of t1he 1pollicy you consolidate, merge with or are acquired by anor.hor entity then all c(:worago t- inder this Policy will terminate at Lho daLc of Lho consolidation, rincrger or acci iisiLk.)n unless we have issued an ondorsomr..mt extending covorage, and you have agreed to any additional pireirniiurn and Lorryis of covorage roqi..iirod by us.

15. Ouir irrights of recovery
If we make any payment undeir this Policy then you rinust maintain all of youir rights of recovery in respect of this payrinent against anythird 1pairty and make these available U.) uswhere possible.

We will riot exercise any rights of recovery against eirinp1loyees or the estates, 1- ieirs, legal representatives or assigns of any eirnp1loyee in the event of their d(--adh, incapacity, inS(DlVency or bankn..iptcy unless this is in respect of any fraud..flent or dish( -.)nest or omissions as Proven by final adji..Adicatk-.)n, arlstral triba..inal or Writr.en admission by you.

CfC
Any recoveries will be applied in proportion to the amoums paid by you and us in relation to the claim under this p0 1igy.

16. Prior, subsidiaries
Should anentity cease tobeasulbsidUaryafter the inception date, cover inrespect orthe entity will ozndnueasif it was still a subsidiary during the peiriod of the pollricy, but only in respect of an act, error, ornission or event occurring prior tothe date that bceased tobea subsidiary.

IT Process for payfing privacy breach nmmificaurioin costs Anypirfivac y breach nc)tificadunLransmitLedbyyou oronyour behalf must bedone with our prior wrkt-enconsent.

We will ensure trial. notificauun is cump| iantwith any legal or egu| atory reuuiremenLs and contractual ub|igatinns muof rmu, tbemodehorfinancia| incendvesgifts, cuupuns, creditsorsemicesumesswithmurpriorvvrittenconsert which will only be provided if the offer is cornmensurate with the risk of harm.

Wewill riot bc| iaWofor any portion ofthrcosts you incu, undo, U SURIIING OR AUSII:..:. 2 (SIECT101114 IBonly) that oxcrcd tho costs that you wm.Ald havo incurrod had you gained our prior wriLLon consent, In tho absonco of our prior writton consontwewill only be | iab| oto pay you tho oquiva| rnt cost of notification rmado using thc most cost cfftctivc mcanspormisoib| o underthe govcrning law,

18. Waiver of subrogation
Notwithstanding camirm"nowlS, we agree to waive our rights of recovery against any -third party if, prior to the (.Jairn or incident which you reasonably expected to give rise Lo a clairn, you entered into a contract that contains a provision requiring you to do this.

19. Chorice of law and service of suit
In the event of a dispute between you arid us regarding this Policy, the dispute will be governed by the laws of the State of the Jnit..ed States of Arnerica shown as the choice of law stated in the Declarations page. We agree, at your request, to s.. brnit to the jurisdiction of a court of cornpetenr.. jurisdiction within the United States of' ArTierica.

Nothing in this Condition constitutes or should be undersr.00d to constiUute a wmiver of our hghts, tu commence an action in any court of conipetenrjurisdiction in the L. Mited States of Arnericia, to move an action to a I. JniLed States E) istrict Court, or to seeka Lr,'..insfer of a cr,-,ise to another court as perniiLted by the. laws of the, United SU-.Aes ofAmerica orthelaws orany Stateorthe United States o| Amerioa.

It isyurrheragreed that service ofprocess insuch suit maybemade upon the law finnstated inthe oedaradons page arid that inany suit institutec against us, wvewill abide bythe final decisiunofsuch court oroyany appeUaue court in the event ofan appeal. The law firm stated in the oedamtions mage is authorized and directed to accecu service ofprocess onour behalf inany such suit arid, at your requeoz. nngive awritten undertaking toyou that they will enter a general appeamr-rce on our behalf in the event such suit is insdaited, Additionally, in accordance with the statute of any state, territory or district of the L) nited States which makes such a provision, we hereby designate the Superintendent, Commissioner or [ Director of Insurance or other officer specified for that purpose in the statute, o, his successor nrsuccessors in offioe, as our- true and lawful attorney upon whom may beserved any lawful procesainanyzcdon, suito, p, uceedingin^ tiuutedbyyouarisinQuutofthispu| icy. The| aw CfC
firm sLated in the Declarations page is herelf.)y designated as the firm to whom the above menr.ioned officer is authorizeci to mail such process or a copy thereof.

TABLE OF CONTENTS

COMMERCIAL GENERAL LIABILITY COVERAGE FORM
CG T1 00 02 19
SECTION I — COVERAGES Beginning on Page
Coverage A —
Bodily Injury and Property Insuring Agreement....................................................... 1 Damage Liability
Exclusions.................................................................... 2 Coverage B —
Personal and Advertising Insuring Agreement....................................................... 6 Injury Liability
Exclusions..................................................................... 6 Coverage C —
Medical Payments Insuring Agreement....................................................... 9 Exclusions.................................................................... 9 Supplementary Payments................................................................................................... 10 SECTION II — WHO IS AN INSURED....................................................................................... 11 SECTION III — LIMITS OF INSURANCE................................................................................... 13 SECTION IV — COMMERCIAL GENERAL LIABILITY CONDITIONS........................................ 13 Bankruptcy................................................................................................. 13 Duties In The Event Of Occurrence, Offense, Claim Or Suit............................................... 13 LegalAction Against Us...................................................................................................... 14 OtherInsurance................................................................................................................. 15 PremiumAudit................................................................................................................... 16 Representations.................. ............................................................................................... 16 Separation Of Insureds...................................................................................................... 16 Transfer Of Rights Of Recovery Against Others To Us....................................................... 16 WhenWe Do Not Renew................................................................................................... 16 SECTIONV — DEFINITIONS.................................................................................................... 16 CG TO 34 02 19
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 11 — Who Is An
Insured.

Other words and phrases that appear in quotation
marks have special meaning. Refer to Section V —
Definitions.

SECTION I — COVERAGES
COVERAGE A — BODILY INJURY AND PROPERTY

DAMAGE LIABILITY

1. Insuring Agreement
a. 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.

COMMERCIAL GENERAL LIABILITY
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 11 — 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 11 — 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 11 — 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:

No other obligation or liability to pay sums or (
2) Receives a written or verbal demand or
perform acts or services is covered unless claim for damages because of the " bodily expficitly provided for under Supplementary injury" or " property damage"; or Payments. (
3) Becomes aware by any other means that
b. This insurance applies to " bodily injury" and " bodily injury" or " property damage" has property damage" only if: occurred or has begun to occur.

CG T1 00 02 19 0 2017 The Travelers indemnity Company. All rights reserved. Page 1 of 21 Includes copyrighted material of Insurance Services Office, Inc. with its permission. 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 the
cost 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 which
damages 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 intoxication
of any person;
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 or
location 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:
2) The furnishing of alcoholic beverages to a ( I) " Bodily injury" person under the legal drinking age or building and
under the influence of alcohol; or fumes, vapor
or originating

Includes copyrighted material of Insurance Services Office, Inc. with its permission if sustained within a
caused by smoke,
or soot produced by
from equipment that
CG T1 00 0219
is used to heat, cool or dehumidify
the building, or produced by or
originating from equipment that is
used to heat water for personal
use by the building' s occupants or
their guests;
0) " 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 an
additional insured with respect to
your ongoing operations performed
for that additional insured at that
premises, site or location and such
premises, site or location is not
and never was owned or occupied
by, or rented or loaned to, any
insured, other than that additional
insured; or
iii) "Bodily injury" or " property
damage" arising out of heat,
smoke or fumes from a " hostile
fire";
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
h) Any person or organization for
whom you may be legally
responsible:
d) At or from any premises, site or
location 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 " property
damage" 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, lubricants
or 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 of
the operations being performed by
such insured, contractor or
subcontractor;
11) " Bodily injury" or " property
damage" sustained within a
building 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
W) " Bodily injury" or " property
damage" arising out of heat,
smoke or fumes from a " hostile
fire"; or
e) At or from any premises, site or
location 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 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, " Pollutants"; or
CG T1 00 0219 Q 2017 The Travelers Indemnity Company. All rights reserved. Page 3 of 21 Includes copyrighted material of Insurance Services Office, Inc. With its permission.

COMMERCIAL GENERAL LIABILITY
b) Claim or suit by or on behalf of any b) The operation of any of the machinery governmental authority or any other or equipment listed in Paragraph f.(2) person or organization because of or f.(3) of the definition of " mobile testing for, monitoring, cleaning up, equipment"; or
removing, containing, treating,
detoxifying or neutralizing, or in any 6) An aircraft that is:
way responding to, or assessing the a) Chartered with a pilot to any insured; effects of, " pollutants".
b) Not owned by any insured; and
g. Aircraft, Auto Or Watercraft c) Not being used to carry any person or Bodily injury" or " property damage" arising out property for a charge, of the ownership, maintenance, use or
auto"
h. Mobile Equipment entrustment to others of any aircraft, or watercraft owned or operated by or rented or Bodily injury" or " property damage" arising out loaned to any insured. Use includes operation of:
and " loading or unloading". 1) The transportation of " mobile equipment" This exclusion applies even if the claims by an " auto" owned or operated by or against any insured allege negligence or other rented or loaned to any insured; or wrongdoing in the supervision, hiring,
employment, training or monitoring of others by
2) The use of " mobile equipment" in, or while
that insured, if the " occurrence" which caused in practice for, or while being prepared for, the " bodily injury" or "property damage"' involved any prearranged racing, speed, demolition, the ownership, maintenance, use or or stunting activity entrustment to others of any aircraft, " auto" or I. War watercraft that is owned or operated by or Bodily injury" or " property damage" arising out rented or loaned to any insured. of:

This exclusion does not apply to: 1) War, including undeclared or civil war; 1) A watercraft while ashore on premises you 2) Warlike action by a military force, including own or rent; action in hindering or defending against an 2) A watercraft you do not own that is: actual or expected attack, by any government, sovereign or other authority
a) 50 feet long or less; and using military personnel or other agents; or b) Not being used to carry any person or 3) Insurrection, rebellion, revolution, usurped property for a charge;
power, or action taken by governmental
3) Parking an " auto" on, or on the ways next authority in hindering or defending against to, premises you own or rent, provided the any of these, auto" is not owned by or rented or loaned j. Damage To Property to you or the insured; Property damage" to:
4) Liability assumed under any " insured
contract" for the ownership, maintenance or
1) Property you own, rent, or occupy,
use of aircraft or watercraft; including any costs or expenses incurred by you, or any other person, organization or
5) " Bodily injury" or " property damage" arising entity, for repair, replacement, out of: enhancement, restoration or maintenance
a) The operation of machinery or
of such property for any reason, including
equipment that is attached to, or part prevention of injury to a person or damage of, a land vehicle that would qualify as to another' s property; mobile equipment" under the definition 2) Premises you sell, give away or abandon, if of " mobile equipment" if such land the " property damage" arises out of any vehicle were not subject to a part of those premises;
compulsory or financial responsibility
law, or other motor vehicle insurance 3) Property loaned to you; law, where it is licensed or principally 4) Personal property in the care, custody or garaged; or control of the insured;

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

COMMERCIAL GENERAL LIABILITY
S) That particular part of real property on accidental physical injury to " your product" or which you or any contractors or " your work" after it has been put to its intended subcontractors working directly or indirectly use.
on your behalf are performing operations, if
n. Recall Of products, Work Or I mpa I red
the " property damage" arises out of those
operations; or Property
6) That particular part of any property that Damages claimed for any loss, cost or expense must be restored, repaired or replaced incurred by you or others for the loss of use, because " your work"' was incorrectly
withdrawal, recall, inspection, repair,
performed on it, replacement, adjustment, removal or disposal of:

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 this
exclusion do not apply to liability assumed
under a sidetrack agreement,
Paragraph ( 6) of this exclusion does not apply
to " 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.
1, 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
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, transmitting
or distributing of " unsolicited communication".
r. Access Or Disclosure Of Conidfenital 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.

CG T1 00 02 19 0 2017 The Travelers Indemnity Company. All rights reserved Page 5 of 21 Includes copyrighted material of Insurance Services Office, Inc. With its permission.

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.

It. 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, violation
of 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 ADVERTISING

INJURY LIABILITY

1. Insuring Agreement
a. We will pay those sums that the insured
becomes 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 — 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 " 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 or
at the direction of the insured with the
knowledge that the act would violate the rights
of another and would inflict " personal and
advertising injury".

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

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 of
its 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 before
the beginning of the policy period, or
2) " Advertising injury" arising out of
infringement of copyright, " title" or " slogan"
in your " advertisement" whose first
infringement in your " advertisement" was
committed before the beginning of the
policy 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 by
you 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 the
cost of, that party' s defense has also
been assumed by you in the same
insured contract"; and

COMMERCIAL GENERAL LIABILITY
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 - Failure
To 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".

L 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 Type
Businesses
Personal and advertising injury" caused by an
offense committed by an insured whose
business is:
b) Such attorneys' fees and litigation
expenses are for defense of that party (
1) Advertising, " broadcasting" or publishing;
CG T1 00 0219 0 2017 The Travelers Indemnity Company, All rights reserved. Page 7 of 21 Includes copyrighted material of Insurance Services Office, Inc. with its permission,

COMMERCIAL GENERAL LIABILITY
2) Designing or determining content of
websites 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
t" 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 the
business 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 of
an electronic chatroom or bulletin board the
insured hosts or owns, or over which the
insured exercises control.

I. Unauthorized Use Of Another' s Name Or
Product
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 or
escape 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 in
any way respond to, or assess the effects
of, " pollutants"; 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.
pi. Unsolicited Communication
Personal and advertising injury" arising out of
any actual or alleged violation of any law that
restricts or prohibits the sending, transmitting
or 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:
2) Claim or suit by or on behalf of any ( a) Request, demand, order or statutory or governmental authority or any other person regulatory requirement that any insured or organization because of testing for, or others test for, monitor, clean up, monitoring, cleaning up, removing, remove, contain, treat, detoxify or containing, treating, detoxifying or neutralize, or in any way respond to, or

Includes copyrighted material of Insurance Services Office, Inc. with its permission. 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 or
advance, harassment, humiliation,
discrimination, libel, slander, violation
of 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

COMMERCIAL GENERAL LIABILITY
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 prosthetic
devices; 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
a
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 d,
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;
To a person hired to do work for or on behalf of
any insured or a tenant of any insured.

Injury On Normally Occupied Premises
To a person injured on that part of premises
you own or rent that the person normally
occupies.

Workers' Compensation And Similar Laws
To 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".
2) On ways next to premises you own or rent; g. Coverage A Exclusions or Excluded under Coverage A.

CG T1 00 02 19 0 2017 The Travelers Indemnity Company. All rights reserved.

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

COMMERCIAL GENERAL LIABILITY

SUPPLEMENTARY PAYMENTS

1. We will pay, with respect to any claim we
investigate 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 which
the 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 the
insured 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 assumed
the liability of the indemnitee in a contract or
agreement that is an " insured contract";
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
PISA";
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 8 — 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.
b. This insurance applies to such liability assumed Our obligation to defend an insured' s indemnitee by the insured; and to pay for attorneys' fees and necessary
c. The obligation to defend, or the cost of the litigation expenses as Supplementary Payments defense of, that indemnitee, has also been ends when:

Includes copyrighted material of Insurance Services Office, Inc with its permission. 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 11 — WHO IS AN INSURED

1. If you are designated in the Declarations as:
a. An individual, you and your spouse are
insureds, 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 their
duties 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 acts
within the scope of their employment by you or
while performing duties related to the conduct
of your business. However, none of these
employees" or " volunteer workers" are
insureds 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 duties
related to the conduct of your
business, or to your other " volunteer

COMMERCIAL GENERAL LIABILITY
workers" while performing duties
related to the conduct of your
business;
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,
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COMMERCIAL GENERAL LIABILITY
d. Your legal representative if you die, but only
with respect to duties as such. That
representative will have all your rights and
duties 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;

5. 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 11 —
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 premises
owner, 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 or
use 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 premises
owner, 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.

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 " personal
and advertising injury" caused by an offense
that 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

Includes copyrighted material of Insurance Services Office, Inc. with its permission. 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 It — 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 pay
under Coverage B for the sum of all damages
because of all " personal injury" and " advertising
injury" sustained by any one person or organization.

S. 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 applicable
Each Occurrence Limit, all related acts or
omissions committed in providing or failing to
provide first aid or " Good Samaritan services" to
any one person will be deemed to be one
occurrence".

6. Subject to Paragraph S. 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:

COMMERCIAL GENERAL LIABILITY
a. The amount shown for the Damage To
Premises Rented To You Limit in the
Declarations of this Coverage Part; or
b. $ 300, 000 if no amount is shown for the
Damage 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 12
months. In that case, the additional period will be
deemed part of the last preceding period for purposes of determining the Limits of Insurance.

SECTION IV — COMMERCIAL GENERAL LIABILITY

CONDITIONS

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

2. Duties In The Event Of Occurrence, Offense,
Claim Or Suit
a. 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 the
claim 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 the
claim or " suit";
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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 any
person or organization which may be liable
to the insured because of injury or damage
to which this insurance may also apply.
d. No insured will, except at that insured' s own
cost, voluntarily make a payment, assume any
obligation, or incur any expense, other than for
first aid, without our consent.
e. 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 11
Who Is An Insured:
1) Notice to us of such " occurrence" or
offense must be given as soon as
practicable 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 a
partnership 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 are
an 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 none
of 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 after
the " occurrence" or offense is known by:
a) Any individual who is:
1) 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, limited
liability company, trust or other
organization to give notice of an
occurrence" or offense.
3) Notice to us of such " occurrence" or
offense 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 of
its terms have been fully complied with.

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

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

COMMERCIAL GENERAL LIABILITY
4, Other Insurance I1) That is insurance for " premises if valid and collectible other insurance is available to damage":
the insured for a loss we cover under Coverages A iii) If the loss arises out of the or B of this Coverage Part, our obligations are maintenance or use of aircraft, limited as described in Paragraphs a. and b. below. autos" or watercraft to the extent As used anywhere in this Coverage Part, other not subject to any exclusion in this insurance means insurance, or the funding of
Coverage Part that applies to
I
aircraft, ' autos" or watercraft,
losses, that is provided by, through or on behalf of:

I) Another insurance company:
11v) That is insurance available to a
premises owner, manager or
il) Us or any of our affiliated insurance companies, lessor that qualifies as an insured except when the Non cumulation of Each under Paragraph 4. of Section 11— 1— Occurrence OccurrenceLimit provision of Paragraph S. of Who Is An Insured, except when Section III — Limits Of Insurance or the Non Paragraph d. below applies; or cumulation of Personal and Advertising Injury v) That is insurance available to an Limit provision of Paragraph 4. of Section III — equipment lessor that qualifies as Limits of Insurance applies because the
an insured under Paragraph S. of
Amendment — Non Cumulation Of Each
Section 11 — Who Is An insured,
Occurrence Limit Of Liability And Non
except when Paragraph d. below Cumulation Of Personal And Advertising Injury Limit endorsement is included in this policy; applies.
b) Any of the other insurance, whether
iii) Any risk retention group; or primary, excess, contingent or on any iv) Any self- insurance method or program, in other basis, that is available to the which case the insured will be deemed to be insured when the insured is an the provider of other insurance, additional insured, or is any other Other insurance does not include umbrella insured that does not qualify as a insurance, or excess insurance, that was bought named insured, under such other specifically to apply in excess of the Limits of insurance.

Insurance shown in the Declarations of this 2) When this insurance is excess, we will Coverage Part. have no duty under Coverages A or B to
As used anywhere in this Coverage Part, other defend the insured against any " suit" if any insurer means a provider of other insurance. As other insurer has a duty to defend the insured against that " suit". If no other
used in Paragraph c. below, insurer means a
insurer defends, we will undertake to do so,
provider of insurance. but we will be entitled to the insured' s rights a. Primary Insurance against all those other insurers.

This insurance is primary except when
3) When this insurance is excess over other
Paragraph b. below applies. if this insurance is insurance, we will pay only our share of the primary, our obligations are not affected unless
amount of the loss, if any, that exceeds the
any of the other insurance is also primary.
sum of:

Then, we will share with all that other insurance a) The total amount that all such other by the method described in Paragraph c. below, insurance would pay for the loss in the except when Paragraph d, below applies. absence of this insurance; and b) The total of all deductible and selfb. Excess Insurance insured amounts under all that other 1) This insurance is excess over: insurance,
a) Any of the other insurance, whether 4) We will share the remaining loss, if any, primary, excess, contingent or on any
with any other insurance that is not
described in this Excess Insurance
other basis:
provision and was not bought specifically to
I) That is Fire, Extended Coverage, apply in excess of the Limits of insurance Builder' s Risk, Installation Risk or shown in the Declarations of this Coverage similar coverage for " your work"; Part.

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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.

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.
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.

S. 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

6. 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.

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.

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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 properly 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
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,

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;

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.

CG T1 00 0219 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
5) Water.
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
But " premises damage" under this Paragraph ( 3) Products or operations for which the b. does not include " property damage" to any classification, listed in the Declarations or premises caused by: in a policy Schedule, states that products - 1) Rupture, bursting, or operation of pressure
completed operations are subject to the
relief devices;
General Aggregate Limit.
2) Rupture or bursting due to expansion or

23. 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
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 0 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 - Controthng Interest
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

PROVISIONS
A. NON -OWNED WATER CRAFT - 75 FEET LONG

OR LESS

1. The following replaces Paragraph ( 2) of
Exclusion 9., Aircraft, Auto Or Watercraft,
in Paragraph 2. of SECTION I -
COVERAGES - COVERAGE A - BODILY B.

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 II - WHO IS AN INSURED:
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.

WHO IS AN INSURED - UNNAMED

SUBSIDIARIES
The following is added to SECTION it - 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 0219 O 2017 The Travelers Indemnity Company. All 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 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.

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 LAISILITY COMPANIES
The following replaces Paragraph 3. of SECTION
II — 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 11
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 II — 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 art, b when that date is later than 180 days P y your acts or
alter you acquire or form such omissions in the performance of your ongoing organization, if you report such
operations to which that contract or