Redondo Beach City Council
April 14, 2026

SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE

THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS.

INSURER( S) AFFORDING COVERAGE
INSURER F :

INSURER E :

INSURER D :

INSURER C :

INSURER B :

INSURER A :

NAIC #
NAME:

CONTACT
A/C, No):

FAX
E- MAILADDRESS:

PRODUCER
A/C, No, Ext):

PHONE

INSURED
COVERAGES CERTIFICATE NUMBER: REVISION NUMBER:

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

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

THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS

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

OTHER:

Per accident)
Ea accident)
N / A
SUBR
WVD
ADDL
INSD

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

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

PROPERTY DAMAGE
BODILY INJURY ( Per accident)
BODILY INJURY ( Per person)

COMBINED SINGLE LIMIT

AUTOS ONLY

AUTOSAUTOS ONLY

NON- OWNED

SCHEDULEDOWNED

ANY AUTO

AUTOMOBILE LIABILITY
Y / N

WORKERS COMPENSATION

AND EMPLOYERS' LIABILITY
OFFICER/ MEMBER EXCLUDED?
Mandatory in NH)
DESCRIPTION OF OPERATIONS below
If yes, describe under

ANYPROPRIETOR/ PARTNER/ EXECUTIVE
E.L. DISEASE - POLICY LIMIT
E.L. DISEASE - EA EMPLOYEE
E.L. EACH ACCIDENT
STATUTEPER EROTHMM/ DD/ YYYY) LIMITS(

POLICY EXP(

MM/ DD/ YYYY) NUMBERTYPEEFFPOLICYPOLICY INSURANCELTRINSR OF DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES ( ACORD 101, Additional Remarks Schedule, may be attached if more space is required)

EXCESS LIAB
UMBRELLA LIAB $ EACH OCCURRENCE

AGGREGATE
OCCUR

CLAIMS- MADE
DED RETENTION $

PRODUCTS - COMP/ OP AGG

GENERAL AGGREGATE

PERSONAL & ADV INJURY
MED EXP ( Any one person)

EACH OCCURRENCE
DAMAGE TO RENTED $
PREMISES ( Ea occurrence)

COMMERCIAL GENERAL LIABILITY

CLAIMS- MADE OCCUR
GEN' L AGGREGATE LIMIT APPLIES PER:

POLICY
PROJECT LOC

CERTIFICATE OF LIABILITY INSURANCE

DATE ( MM/ DD/YYYY)

CANCELLATION

AUTHORIZED REPRESENTATIVE
ACORD 25 (2016/ 03)
1988- 2015 ACORD CORPORATION. All rights reserved.

CERTIFICATE HOLDER
The ACORD name and logo are registered marks of ACORD
HIRED

AUTOS ONLY
3/31/2026
Inszone Insurance Services, LLC
2721 Citrus Road, Suite A
Rancho Cordova, CA 95742
Certificate Team
877- 308- 9663 916- 400- 2625
certs@inszoneins. com
License#: 0F82764 Travelers Property Casualty Company of America 25674 PEGASTU- 01
19046PegasusStudios Travelers Casualty Insurance Co. of America 5760 Lindero Canyon Road,# 1151
Westlake Village, CA 91362
Coalition Insurance Solutions, Inc. 29530
1239745794
A X 2,000, 000
X 300, 000
5,000
2,000, 000
4,000, 000
X
Y Y 680- 4X180440- 25-42 4/29/2025 4/29/2026
4,000, 000
Hired & Non- owned 2,000, 000
B 1,000, 000
X
Y BA-B8332249- 25-42-G 8/12/2025 8/12/2026
A X X 000CUP- 4X18065A- 25-42 4/29/2025 4/29/2026 1,000, 1,000, 000
A XUB- 4X180519- 25- 42-G 4/29/2025 4/29/2026
1,000, 000
1,000, 000
1,000, 000
C Cyber Liability C-4LPX- 308040- CYBER- 2025 10/ 14/2025 10/ 14/2026 Aggregate/ Per Event $ 2,000, 000 Additional Insured on the General Liability and Auto Liability. Primary and Non-Contributory on the General Liability and Auto Liability. Waiver of Subrogation on the General Liability. Umbrella follows form, subject to the terms and conditions of the policy.

The aforementioned coverage is provided to the extent in the attached forms for: City of Redondo Beach, and The City, its officers, elected and appointed officials, and employees.

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

Policy Number: 680-4X180440- 25-42
Policy Number: 680-4X180440- 25-42

COMMERCIAL GENERAL LIABILITY COVERAGE FORM
CG T1 00 02 19 © 2017 The Travelers Indemnity Company. All rights reserved.

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

COMMERCIAL GENERAL LIABILITY
Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered.

Throughout this policy the words "you" and "your" refer to the Named Insured shown in the Declarations, and
any other person or organization qualifying as a Named
Insured under this policy. The words " we", " us" and
our" refer to the company providing this insurance.

The word "insured" means any person or organization
qualifying as such under Section II – Who Is An
Insured.

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

SECTION I – 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.

No other obligation or liability to pay sums or
perform acts or services is covered unless
explicitly provided for under Supplementary
Payments.
b. This insurance applies to " bodily injury" and
property damage" only if:
1) The " bodily injury" or "property damage" is
caused by an "occurrence" that takes place
in the "coverage territory";
2) The " bodily injury" or " property damage"
occurs during the policy period; and
3) Prior to the policy period, no insured listed
under Paragraph 1. of Section II – Who Is
An Insured and no " employee" authorized
by you to give or receive notice of an
occurrence" or claim knew that the "bodily
injury" or "property damage" had occurred,
in whole or in part. If such a listed insured
or authorized "employee" knew, prior to the
policy period, that the " bodily injury" or
property damage" occurred, then any
continuation, change or resumption of such
bodily injury" or "property damage" during
or after the policy period will be deemed to
have been known prior to the policy period.
c." Bodily injury" or " property damage" which
occurs during the policy period and was not,
prior to the policy period, known to have
occurred by any insured listed under Paragraph

1. of Section II – Who Is An Insured or any
employee" authorized by you to give or receive
notice of an "occurrence" or claim, includes any
continuation, change or resumption of that
bodily injury" or " property damage" after the
end of the policy period.
d." Bodily injury" or " property damage" will be
deemed to have been known to have occurred
at the earliest time when any insured listed
under Paragraph 1. of Section II – Who Is An
Insured or any "employee" authorized by you to
give or receive notice of an " occurrence" or
claim:
1) Reports all, or any part, of the " bodily
injury" or " property damage" to us or any
other insurer;
2) Receives a written or verbal demand or
claim for damages because of the " bodily
injury" or "property damage"; or
3) Becomes aware by any other means that
bodily injury" or " property damage" has
occurred or has begun to occur.

COMMERCIAL GENERAL LIABILITY

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

CG T1 00 02 19
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;
2) The furnishing of alcoholic beverages to a
person under the legal drinking age or
under the influence of alcohol; or
3) Any statute, ordinance or regulation relating
to the sale, gift, distribution or use of
alcoholic beverages.

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:
i)" Bodily injury" if sustained within a
building and caused by smoke,
fumes, vapor or soot produced by
or originating from equipment that

COMMERCIAL GENERAL LIABILITY
CG T1 00 02 19 © 2017 The Travelers Indemnity Company. All rights reserved.

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

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:
i) 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
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

COMMERCIAL GENERAL LIABILITY

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

CG T1 00 02 19
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, "pollutants".
g. Aircraft, Auto Or Watercraft
Bodily injury" or "property damage" arising out
of the ownership, maintenance, use or
entrustment to others of any aircraft, " auto" or
watercraft owned or operated by or rented or
loaned to any insured. Use includes operation
and "loading or unloading".

This exclusion applies even if the claims
against any insured allege negligence or other
wrongdoing in the supervision, hiring,
employment, training or monitoring of others by
that insured, if the " occurrence" which caused
the "bodily injury" or "property damage" involved
the ownership, maintenance, use or
entrustment to others of any aircraft, " auto" or
watercraft that is owned or operated by or
rented or loaned to any insured.

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

COMMERCIAL GENERAL LIABILITY
CG T1 00 02 19 © 2017 The Travelers Indemnity Company. All rights reserved.

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

5) That particular part of real property on
which you or any contractors or
subcontractors working directly or indirectly
on your behalf are performing operations, if
the " property damage" arises out of those
operations; or
6) That particular part of any property that
must be restored, repaired or replaced
because " your work" was incorrectly
performed on it.

Paragraphs ( 1), (3) and (4) of this exclusion do
not apply to " premises damage". A separate
limit of insurance applies to "premises damage"
as described in Paragraph 6. of Section III –
Limits Of Insurance.

Paragraph (2) of this exclusion does not apply if
the premises are " your work" and were never
occupied, rented or held for rental by you.

Paragraphs ( 3), ( 4), ( 5) and ( 6) of 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 "productscompleted operations hazard". k. Damage To Your Product
Property damage" to "your product" arising out
of it or any part of it.
l. Damage To Your Work
Property damage" to "your work" arising out of
it or any part of it and included in the "productscompleted operations hazard".

This exclusion does not apply if the damaged
work or the work out of which the damage
arises was performed on your behalf by a
subcontractor.
m. Damage To Impaired Property Or Property
Not Physically Injured
Property damage" to " impaired property" or
property that has not been physically injured,
arising out of:
1) A defect, deficiency, inadequacy or
dangerous condition in " your product" or
your work"; or
2) A delay or failure by you or anyone acting
on your behalf to perform a contract or
agreement in accordance with its terms.

This exclusion does not apply to the loss of use
of other property arising out of sudden and
accidental physical injury to " your product" or
your work" after it has been put to its intended
use.
n. Recall Of Products, Work Or Impaired
Property
Damages claimed for any loss, cost or expense
incurred by you or others for the loss of use,
withdrawal, recall, inspection, repair,
replacement, adjustment, removal or disposal
of:
1)" Your product";
2)" Your work"; or
3)" Impaired property";
if such product, work, or property is withdrawn
or recalled from the market or from use by any
person or organization because of a known or
suspected defect, deficiency, inadequacy or
dangerous condition in it.
o. Personal And Advertising Injury
Bodily injury" arising out of " personal and
advertising injury".
p. Electronic Data
Damages arising out of the loss of, loss of use
of, damage to, corruption of, inability to access,
or inability to manipulate "electronic data".

However, this exclusion does not apply to
liability for damages because of "bodily injury".
q. Unsolicited Communication
Bodily injury" or "property damage" arising out
of any actual or alleged violation of any law that
restricts or prohibits the sending, transmitting
or distributing of "unsolicited communication".
r. Access Or Disclosure Of Confidential Or
Personal Information
Bodily injury" or "property damage" arising out
of any access to or disclosure of any person's
or organization's confidential or personal
information.
s. Asbestos
1)" Bodily injury" or "property damage" arising
out of the actual or alleged presence or
actual, alleged or threatened dispersal of
asbestos, asbestos fibers or products
containing asbestos, provided that the
bodily injury" or " property damage" is
caused or contributed to by the hazardous
properties of asbestos.

COMMERCIAL GENERAL LIABILITY

Includes copyrighted material of Insurance Services Office, Inc. with its permission. 2)" Bodily injury" or "property damage" arising
out of the actual or alleged presence or
actual, alleged or threatened dispersal of
any solid, liquid, gaseous or thermal irritant
or contaminant, including smoke, vapors,
soot, fumes, acids, alkalis, chemicals and
waste, and that are part of any claim or
suit" which also alleges any "bodily injury"
or " property damage" described in
Paragraph (1) above.
3) Any loss, cost or expense arising out of
any:
a) Request, demand, order or statutory or
regulatory requirement that any insured
or others test for, monitor, clean up,
remove, contain, treat, detoxify or
neutralize, or in any way respond to, or
assess the effects of, asbestos,
asbestos fibers or products containing
asbestos; or
b) Claim or suit by or on behalf of any
governmental authority or any other
person or organization because of
testing for, monitoring, cleaning up,
removing, containing, treating,
detoxifying or neutralizing, or in any
way responding to, or assessing the
effects of, asbestos, asbestos fibers or
products containing asbestos.
t. Employment-Related Practices
Bodily injury" to:
1) A person arising out of any:
a) Refusal to employ that person;
b) Termination of that person's
employment; or
c) Employment-related practice, policy,
act or omission, such as coercion,
demotion, evaluation, reassignment,
discipline, failure to promote or
advance, harassment, humiliation,
discrimination, libel, slander, 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".

COMMERCIAL GENERAL LIABILITY
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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
b) Such attorneys' fees and litigation
expenses are for defense of that party
against a civil or alternative dispute
resolution proceeding in which
damages to which this insurance
applies are alleged.
f. Breach Of Contract
Advertising injury" arising out of a breach of
contract.
g. Quality Or Performance Of Goods - 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".
i. Intellectual Property
Personal and advertising injury" arising out of
any actual or alleged infringement or violation of
any of the following rights or laws, or any other
personal and advertising injury" alleged in any
claim or " suit" that also alleges any such
infringement or violation:
1) Copyright;
2) Patent;
3) Trade dress;
4) Trade name;
5) Trademark;
6) Trade secret; or
7) Other intellectual property rights or laws.

This exclusion does not apply to:
1)" Advertising injury" arising out of any actual
or alleged infringement or violation of
another's copyright, " title" or " slogan" in
your "advertisement"; or
2) Any other " personal and advertising injury"
alleged in any claim or " suit" that also
alleges any such infringement or violation
of another's copyright, " title" or " slogan" in
your "advertisement".
j. Insureds In Media And Internet Type
Businesses
Personal and advertising injury" caused by an
offense committed by an insured whose
business is:
1) Advertising, "broadcasting" or publishing;

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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.
l. 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
2) 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, "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:
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

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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".

COVERAGE C – MEDICAL PAYMENTS

1. Insuring Agreement
a. We will pay medical expenses as described
below for "bodily injury" caused by an accident:
1) On premises you own or rent;
2) On ways next to premises you own or rent;
or
3) Because of your operations;
provided that:
a) The accident takes place in the " coverage
territory" and during the policy period;
b) The expenses are incurred and reported to
us within one year of the date of the
accident; and
c) The injured person submits to examination,
at our expense, by physicians of our choice
as often as we reasonably require.
b. We will make these payments regardless of
fault. These payments will not exceed the
applicable limit of insurance. We will pay
reasonable expenses for:
1) First aid administered at the time of an
accident;
2) Necessary medical, surgical, X-ray and
dental services, including 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
or participating in any physical exercises or
games, sports, or athletic contests.
f. Products-Completed Operations Hazard
Included within the " products-completed
operations hazard".
g. Coverage A Exclusions
Excluded under Coverage A.

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CG T1 00 02 19

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";
b. This insurance applies to such liability assumed
by the insured;
c. The obligation to defend, or the cost of the
defense of, that indemnitee, has also been
assumed by the insured in the same " insured
contract";
d. The allegations in the "suit" and the information
we know about the "occurrence" or offense are
such that no conflict appears to exist between
the interests of the insured and the interests of
the indemnitee;
e. The indemnitee and the insured ask us to
conduct and control the defense of that
indemnitee against such " suit" and agree that
we can assign the same counsel to defend the
insured and the indemnitee; and
f. The indemnitee:
1) Agrees in writing to:
a) Cooperate with us in the investigation,
settlement or defense of the "suit";
b) Immediately send us copies of any
demands, notices, summonses or legal
papers received in connection with the
suit";
c) Notify any other insurer whose
coverage is available to the indemnitee;
and
d) Cooperate with us with respect to
coordinating other applicable insurance
available to the indemnitee; and
2) Provides us with written authorization to:
a) Obtain records and other information
related to the "suit"; and
b) Conduct and control the defense of the
indemnitee in such "suit".

So long as the above conditions are met, attorneys'
fees incurred by us in the defense of that
indemnitee, necessary litigation expenses incurred
by us and necessary litigation expenses incurred by
the indemnitee at our request will be paid as
Supplementary Payments. Notwithstanding the
provisions of Paragraph 2.b.(2) of Section I –
Coverages – Coverage A – Bodily Injury And
Property Damage Liability or Paragraph 2.e. of
Section I – Coverages – Coverage B – Personal
And Advertising Injury Liability, such payments will
not be deemed to be damages for " bodily injury",
property damage" or "personal injury", and will not
reduce the limits of insurance.

Our obligation to defend an insured's indemnitee
and to pay for attorneys' fees and necessary
litigation expenses as Supplementary Payments
ends when:

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a. We have used up the applicable limit of
insurance in the payment of judgments,
settlements or medical expenses; or
b. The conditions set forth above, or the terms of
the agreement described in Paragraph f. above,
are no longer met.

SECTION II – WHO IS AN INSURED

1. If you are designated in the Declarations as:
a. An individual, you and your spouse 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
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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CG T1 00 02 19
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;
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.

5. Any person or organization that is an equipment
lessor and that you have agreed in a written contract
or agreement to include as an additional insured on
this Coverage Part is an insured, but only with
respect to liability for " bodily injury", " property
damage", or "personal and advertising injury" that:
a. Is " bodily injury" or " property damage" that
occurs, or is " personal and advertising injury"
caused by an offense that is committed,
subsequent to the signing of that contract or
agreement; and
b. Is caused, in whole or in part, by your acts or
omissions in the maintenance, operation or use
of equipment leased to you by such equipment
lessor.

The insurance provided to such equipment lessor is
subject to the following provisions:
a. The limits of insurance provided to such
equipment lessor will be the minimum limits that
you agreed to provide in the written contract or
agreement, or the limits shown in the
Declarations, whichever are less.
b. The insurance provided to such equipment
lessor does not apply to any " bodily injury" or
property damage" that occurs, or " 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

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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 5. above, the Damage To
Premises Rented To You Limit is the most we will
pay under Coverage A for damages because of
premises damage" to any one premises. The
Damage To Premises Rented To You Limit will be:
a. The amount shown for the Damage 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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CG T1 00 02 19
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 II
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.

COMMERCIAL GENERAL LIABILITY
CG T1 00 02 19 © 2017 The Travelers Indemnity Company. All rights reserved. Page 15 of 21 Includes copyrighted material of Insurance Services Office, Inc. with its permission.

4. Other Insurance
If valid and collectible other insurance is available to the insured for a loss we cover under Coverages A
or B of this Coverage Part, our obligations are
limited as described in Paragraphs a. and b. below.

As used anywhere in this Coverage Part, other
insurance means insurance, or the funding of
losses, that is provided by, through or on behalf of:
i) Another insurance company;
ii) Us or any of our affiliated insurance companies,
except when the Non cumulation of Each
Occurrence Limit provision of Paragraph 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";
ii) That is insurance for " premises
damage";
iii)If the loss arises out of the
maintenance or use of aircraft,
autos" or watercraft to the extent
not subject to any exclusion in this
Coverage Part that applies to
aircraft, "autos" or watercraft;
iv) That is insurance available to a
premises owner, manager or
lessor that qualifies as an insured
under Paragraph 4. of Section II –
Who Is An Insured, except when
Paragraph d. below applies; or
v) That is insurance available to an
equipment lessor that qualifies as
an insured under Paragraph 5. of
Section II – Who Is An Insured,
except when Paragraph d. below
applies.
b) Any of the other insurance, whether
primary, excess, contingent or on any
other basis, that is available to the
insured when the insured is an
additional insured, or is any other
insured that does not qualify as a
named insured, under such other
insurance.
2) When this insurance is excess, we will
have no duty under Coverages A or B to
defend the insured against any "suit" if any
other insurer has a duty to defend the
insured against that " suit". If no other
insurer defends, we will undertake to do so,
but we will be entitled to the insured's rights
against all those other insurers.
3) When this insurance is excess over other
insurance, we will pay only our share of the
amount of the loss, if any, that exceeds the
sum of:
a) The total amount that all such other
insurance would pay for the loss in the
absence of this insurance; and
b) The total of all deductible and selfinsured amounts under all that other insurance.
4) We will share the remaining loss, if any,
with any other insurance that is not
described in this Excess Insurance
provision and was not bought specifically to
apply in excess of the Limits of Insurance
shown in the Declarations of this Coverage
Part.

COMMERCIAL GENERAL LIABILITY

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CG T1 00 02 19
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.
c. The first Named Insured must keep records of
the information we need for premium
computation, and send us copies at such times
as we may request.

6. Representations
By accepting this policy, you agree:
a. The statements in the Declarations 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:
a. Notices that are published include material
placed on the Internet or on similar electronic
means of communication; and
b. Regarding websites, only that part of a website
that is about your goods, products or services
for the purposes of attracting customers or
supporters is considered an advertisement.

COMMERCIAL GENERAL LIABILITY
CG T1 00 02 19 © 2017 The Travelers Indemnity Company. All rights reserved.

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

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.

5." Broadcasting" means transmitting any audio or
visual material for any purpose:
a. By radio or television; or
b. In, by or with any other electronic means of
communication, such as the Internet, if that
material is part of:
1) Radio or television programming being
transmitted;
2) Other entertainment, educational,
instructional, music or news programming
being transmitted; or
3) Advertising transmitted with any of such
programming.

6." Coverage territory" means:
a. The United States of America ( including its
territories and possessions), Puerto Rico and
Canada;
b. International waters or airspace, but only if the
injury or damage occurs in the course of travel
or transportation between any places 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.

COMMERCIAL GENERAL LIABILITY

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CG T1 00 02 19

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;

COMMERCIAL GENERAL LIABILITY
21CG T1 00 02 19 2017 The Travelers Indemnity Company. All rights reserved. Page 19 of 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 or resurfacing
equipment such as graders, scrapers or
rollers;
e. Vehicles not described in Paragraph a., b., c.
or d. above that are not self-propelled and are
maintained primarily to provide mobility to
permanently attached equipment of 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".

17." Occurrence" means:
a. An accident, including continuous or repeated
exposure to substantially the same general
harmful conditions; or
b. An act or omission committed in providing or
failing to provide first aid or " Good Samaritan
services" to a person, unless you are in the
business or occupation of providing
professional health care services.

18." Personal and advertising injury" means " personal
injury" or "advertising injury".

19." Personal injury":
a. Means injury, other than " advertising injury",
caused by one or more of the 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.

20." Pollutants" mean any solid, liquid, gaseous or
thermal irritant or contaminant, including smoke,
vapor, soot, fumes, acids, alkalis, chemicals and
waste. Waste includes materials to be recycled,
reconditioned or reclaimed.

COMMERCIAL GENERAL LIABILITY

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

21." Premises damage" means:
a. With respect to the first paragraph of the
exceptions in Exclusion j. of Section I –
Coverage A – Bodily Injury And Property
Damage Liability, " property damage" to any
premises while rented to you for a period of
seven or fewer consecutive days, including the
contents of such premises; or
b. With respect to the exception to Exclusions c.
through n. in the last paragraph of Paragraph 2.
of Section I – Coverage A – Bodily Injury And
Property Damage Liability, "property damage" to
any premises while rented to you for a period of
more than seven consecutive days, or while
temporarily occupied by you with permission of
the owner, caused by:
1) Fire;
2) Explosion;
3) Lightning;
4) Smoke resulting from fire, explosion or
lightning; or
5) Water.

But " premises damage" under this 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 productscompleted 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.

COMMERCIAL GENERAL LIABILITY
CG T1 00 02 19 © 2017 The Travelers Indemnity Company. All rights reserved.

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

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:
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.

UMBRELLA
EU 00 010716 2016 The Travelers Indemnity Company. All rights reserved. Page 1 of 22 ©

EXCESS FOLLOW- FORM AND UMBRELLA

LIABILITY INSURANCE
THIS POLICY, INPART, PROVIDES FOLLOW-FORM LIABILITY COVERAGE.

COVERAGE WILL APPLY ON A CLAIMS-MADE BASIS WHEN FOLLOWING CLAIMS-MADE UNDERLYING INSURANCE.

COVERAGE WILL APPLY ON A DEFENSE-WITHIN-LIMITS BASIS WHEN

FOLLOWING UNDERLYING INSURANCE UNDER WHICH DEFENSE

EXPENSES ARE PAYABLE WITHIN, AND NOT IN ADDITION TO, THE LIMITS OF INSURANCE. WHEN FOLLOWING SUCH UNDERLYING INSURANCE,

PAYMENT OF DEFENSE EXPENSES UNDER THIS POLICY WILL REDUCE, AND MAY EXHAUST, THE LIMITS OF INSURANCE OF THIS POLICY.

PLEASE READ THE ENTIRE POLICY CAREFULLY.

Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered.

Throughout this policy, the words " you" and " your" refer to the Named Insured shown in the Declarations and any other person or organization qualifying as a Named Insured under this policy. The words " we", " us" and " our" refer to the company providing this insurance.

The word " insured" means any person or organization qualifying as such under SECTION II - WHO IS AN INSURED.

Other words and phrases that appear in quotation marks have special meaning. Refer to SECTION VI - DEFINITIONS.

SECTION I - COVERAGES
A. COVERAGE A - EXCESS FOLLOW-FORM

LIABILITY

1. We will pay on behalf of the insured those
sums, in excess of the " applicable underlying
limit", that the insured becomes legally
obligated to pay as damages to which
Coverage A of this insurance applies, provided
that the " underlying insurance" would apply to
such damages but for the exhaustion of its
applicable limits of insurance. If a sublimit is
specified in any " underlying insurance",
Coverage A of this insurance applies to
damages that are in excess of that sublimit only
if such sublimit is shown for that " underlying
insurance" in the Schedule Of Underlying
Insurance.

2. Coverage A of this insurance is subject to the
same terms, conditions, agreements,
exclusions and definitions as the " underlying
insurance", except with respect to any
provisions to the contrary contained in this
insurance.

3. The amount we will pay for damages is limited
as described in SECTION Ill - LIMITS OF
INSURANCE.

4. For the purposes of Paragraph 1. above:
a. The applicable limit of insurance stated
for the policies of " underlying insurance"
in the Schedule Of Underlying Insurance
will be considered to be reduced or
exhausted only by the following
payments:
1) Payments of judgments or
settlements for damages that are
covered by that " underlying
insurance". However, if such
underlying insurance" has a policy
period which differs from the policy
period of this Excess Follow- Form
And Umbrella Liability Insurance, any
such payments for damages that
would not be covered by this Excess
Follow- Form And Umbrella Liability
Policy Number: CUP-4X18065A- 25-42

UMBRELLA

Insurance because of its different policy
period will not reduce or exhaust the
applicable limit of insurance stated for
such " underlying insurance";
2) Payments of " medical expenses" that
are covered by that " underlying
insurance" and are incurred for " bodily
injury" caused by an accident that takes
place during the policy period of this
Excess Follow- Form And Umbrella
Liability Insurance; or
3) Payments of defense expenses that
are covered by that " underlying
insurance", only if such " underlying
insurance" includes such payments
within the limits of insurance. However,
if such " underlying insurance" has a
policy period which differs from the
policy period of this Excess FollowForm And Umbrella Liability Insurance, any such payments for defense
expenses that would not be covered by
this Excess Follow- Form And Umbrella
Liability Insurance because of its
different policy period will not reduce or
exhaust the applicable limit of
insurance stated for such " underlying
insurance".

If the applicable limit of insurance stated for
the policies of " underlying insurance" in the
Schedule Of Underlying Insurance is
actually reduced or exhausted by other
payments, Coverage A of this insurance is
not invalidated. However, in the event of a
loss, we will pay only to the extent that we
would have paid had such limit not been
actually reduced or exhausted by such
other payments.
b. If any " underlying insurance" has a limit of
insurance greater than the amount shown
for that insurance in the Schedule of
Underlying Insurance, this insurance will
apply in excess of that greater amount. If
any " underlying insurance" has a limit of
insurance, prior to any reduction or
exhaustion by payment of damages,
medical expenses" or defense expenses
described in Paragraph a. above, that is
less than the amount shown for that
insurance in the Schedule Of Underlying
Insurance, this insurance will apply in
excess of the amount shown for such
insurance in the Schedule Of Underlying
Insurance.

5. When the " underlying insurance" applies on a
claims- made basis and includes a retroactive
date prov1s1on, the retroactive date for
Coverage A of this insurance is the same as
the retroactive date of that " underlying
insurance".

B. COVERAGE B - UMBRELLA LIABILITY

1. We will pay on behalf of the insured those
sums in excess of the " self-insured retention"
that the insured becomes legally obligated to
pay as damages because of " bodily injury",
property damage", " personal injury" or
advertising injury" to which Coverage B of
this insurance applies.

2. Coverage B of this insurance applies to
bodily injury" or "property damage" only if:
a. The " bodily injury" or "property damage" is
caused by an " occurrence" that takes
place anywhere in the world;
b. The " bodily injury" or " property damage"
occurs during the policy period; and
c. Prior to the policy period, no insured listed
under Paragraph 1. in Paragraph B.,

COVERAGE B UMBRELLA
LIABILITY, 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, in whole or in part, 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.

3. Coverage B of this insurance applies to
personal injury" or "advertising injury" caused
by an offense arising out of your business, but
only if the offense was committed during the
policy period anywhere in the world.

4. The amount we will pay for damages is limited
as described in SECTION Ill - LIMITS OF
INSURANCE.

5. " Bodily injury" or "property damage":
a. Which occurs during the policy period; and
b. Which was not prior to, but was during, the
policy period known to have occurred by
any insured listed under Paragraph 1. in
Paragraph B., COVERAGE B
UMBRELLA LIABILITY of SECTION II -
WHO IS AN INSURED, or any " employee"
authorized by you to give notice of an
occurrence" or claim;

UMBRELLA
EU 00 010716 2016 The Travelers Indemnity Company. All rights reserved. Page 3 of 22 © includes any continuation, change or
resumption of the " bodily injury" or " property
damage" after the end of the policy period.

6. " 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. in Paragraph B.,
COVERAGE B - UMBRELLA LIABILITY, of
SECTION II - WHO IS AN INSURED or any
employee" authorized by you to give or receive
notice of an "occurrence" or claim:
a. Reports all, or any part, of the "bodily injury"
or " property damage" to us or any other
insurer;
b. Receives a written or verbal demand or
claim for damages because of the " bodily
injury" or "property damage"; or
c. Becomes aware by any other means that
the "bodily injury" or "property damage" has
occurred or has begun to occur.

7. 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".

8. Coverage B of this insurance does not apply to
damages covered by any " underlying
insurance" or that would have been covered by
any " underlying insurance" but for the
exhaustion of its applicable limit of insurance.

C. COVERAGE C CRISIS MANAGEMENT

SERVICE EXPENSES

1. We will reimburse the insured, or pay on the
insured' s behalf, " crisis management service
expenses" to which Coverage C applies.

2. Coverage C of this insurance applies to " crisis
management service expenses" that:
a. Arise out of a " crisis management event"
that first commences during the policy
period;
b. Are incurred by the insured, after a " crisis
management event" first commences and
before such event ends; and
c. Are submitted to us within 180 days after
the " crisis management advisor" advises
you that the " crisis management event" no
longer exists.

3. A "crisis management event" will be deemed to:
a. First commence at the time when any
executive officer" first becomes aware of
an "event" or "occurrence" that leads to that
crisis management event"; and
b. End when we decide that the crisis no
longer exists or when the Crisis
Management Service Expenses Limit has
been exhausted, whichever occurs first.

4. The amount we will pay for " crisis
management service expenses" is limited as
described in SECTION Ill - LIMITS OF
INSURANCE.

5. A " self-insured retention" does not apply to
crisis management service expenses".

6. Any payment of " crisis management service
expenses" that we make will not be
determinative of our obligations under this
insurance with respect to any claim or "suit" or
create any duty to defend or indemnify any
insured for any claim or "suit".

D. DEFENSE AND SUPPLEMENTARY PAYMENTS

1. We will have the right and duty to defend the
insured:
a. Under Coverage A, against a " suit"
seeking damages to which such coverage
applies, if:
1) The " applicable underlying limit" is the
applicable limit of insurance stated for
a policy of " underlying insurance" in
the Schedule Of Underlying
Insurance and such limit has been
exhausted solely due to payments as
permitted in Paragraphs 4.a.(1), ( 2)
and ( 3) of COVERAGE A - EXCESS
FOLLOW-FORM LIABILITY of
SECTION I - COVERAGES; or
2) The "applicable underlying limit" is the
applicable limit of any " other
insurance" and such limit has been
exhausted by payments of judgments,
settlements or medical expenses, or
related costs or expenses ( if such
costs or expenses reduce such
limits).

For any " suit" for which we have the right
and duty to defend the insured under
Coverage A, defense expenses will be
within the limits of insurance of this policy
when such expenses are within the limits
of insurance of the applicable " underlying
insurance"; or
b. Under Coverage B, against a " suit"
seeking damages to which such coverage
applies.

2. We have no duty to defend any insured
against any "suit":
a. Seeking damages to which this insurance
does not apply; or
b. If any other insurer has a duty to defend.

UMBRELLA

3. When we have the duty to defend, we may, at
our discretion, investigate and settle any claim
or " suit". In all other cases, we may, at our
discretion, participate in the investigation,
defense and settlement of any claim or " suit" for
damages to which this insurance may apply. If
we exercise such right to participate, all
expenses we incur in doing so will not reduce
the applicable limits of insurance.

4. Our duty to defend ends when we have used up
the applicable limit of insurance in the payment
of judgments or settlements, or defense
expenses if such expenses are within the limits
of insurance of this policy.

5. We will pay, with respect to a claim we
investigate or settle, or " suit" against an insured
we defend:
a. All expenses we incur.
b. The cost of:
1) Bail bonds required because of
accidents or traffic law violations arising
out of the use of any vehicle to which
this insurance applies; or
2) Appeal bonds and bonds to release
attachments;
but only for bond amounts within the
applicable limit of insurance. We do not
have to furnish these bonds.
c. All reasonable expenses incurred by the
insured at our request to assist us in the
investigation or defense of such claim or
suit", including actual loss of earnings up
to $ 1,000 a day because of time off from
work.
d. 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.
e. 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.
f. All interest that accrues on the full amount
of any judgment 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. If we do not pay part of the
judgment for any reason other than it is
more than the applicable limit of insurance,
we will not pay any interest that accrues on
that portion of the judgment.

With respect to a claim we investigate or
settle, or " suit" against an insured we defend
under COVERAGE A - EXCESS FOLLOWFORM LIABILITY, these payments will not reduce the applicable limits of insurance, but
only if the applicable " underlying insurance"
provides for such payments in addition to its
limits of insurance. With respect to a claim we
investigate or settle, or " suit" against an
insured we defend under COVERAGE B -
UMBRELLA LIABILITY, these payments will
not reduce the applicable limits of insurance.

SECTION II - WHO IS AN INSURED
A. COVERAGE A - EXCESS FOLLOW- FORM

LIABILITY
With respect to Coverage A, the following persons
and organizations qualify as insureds:

1. The Named Insured shown in the
Declarations; and

2. Any other person or organization qualifying as
an insured in the " underlying insurance". If
you have agreed to provide insurance for that
person or organization in a written contract or
agreement:
a. The limits of insurance afforded to such
person or organization will be:
1) The amount by which the minimum
limits of insurance you agreed to
provide such person or organization
in that written contract or agreement
exceed the total limits of insurance of
all applicable " underlying insurance";
or
2) The limits of insurance of this policy;
whichever is less; and
b. Coverage under this policy does not apply
to such person or organization if the
minimum limits of insurance you agreed
to provide such person or organization in
that written contract or agreement are
wholly within the total limits of insurance
of all available applicable " underlying
insurance".

B. COVERAGE B - UMBRELLA LIABILITY
With respect to Coverage B:

1. The Named Insured shown in the
Declarations is an insured.

2. If you are:
a. An individual, your spouse is also an
insured, but only with respect to the
conduct of a business of which you are
the sole owner.

UMBRELLA
EU 00 010716 2016 The Travelers Indemnity Company. All rights reserved. Page 5 of 22 © b. A partnership or joint venture, 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, your members
are also insureds, but only with respect to
the conduct of your business. Your
managers are also insureds, but only with
respect to their duties as your managers.
d. An organization other than a partnership,
joint venture or limited liability company,
your " officers" and directors are also
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, your trustees are also insureds, but
only with respect to their duties as trustees.

3. 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 " 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 workers" while
performing duties related to the
conduct of your business;
b) To the spouse, child, parent,
brother or sister of that coemployee" 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; or
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" or
volunteer workers", any of your
partners or members ( if you are a
partnership or joint venture), or any of
your members ( 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.
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 insurance.

4. Any organization, other than a partnership,
joint venture or limited liability company, of
which you are the sole owner, or in which you

UMBRELLA

maintain an ownership interest of more than
50%, on the first day of the policy period is an
insured and will qualify as a Named Insured. No
such organization is an insured or will qualify as
a Named Insured for " bodily injury" or " property
damage" that occurred, or " personal injury" or
advertising injury" caused by an offense
committed after the date, if any, during the
policy period, that you no longer maintain an
ownership interest of more than 50% in such
organization.

5. 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%, is an insured and
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; and
b. Coverage for such organization does not
apply to:
1) " Bodily injury" or " property damage"
that occurred; or
2) " Personal injury" or " advertising injury"
arising out of an offense committed;
before you acquired or formed the
organization.

No person or organization is an insured or will
qualify as a Named Insured with respect to the
conduct of any current or past partnership, joint
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 Paragraph
B. of SECTION II - WHO IS AN INSURED.

C. COVERAGE C CRISIS MANAGEMENT

SERVICE EXPENSES
With respect to Coverage C, the following persons
and organizations are insureds and will qualify as
Named Insureds:

1. The Named Insured shown in the Declarations.

2. Any organization, other than a partnership, joint
venture or limited liability company, of which
you are the sole owner, or in which you
maintain an ownership interest of more than
50%, on the first day of the policy period. No
such organization is an insured or will qualify as
a Named Insured for " crisis management
service expenses" arising out of a " crisis
management event" that first commences after
the date, if any, during the policy period, that
you no longer maintain an ownership interest
of more than 50% in such organization.

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%, 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; and
b. Coverage for such organization does not
apply to " crisis management service
expenses" arising out of a " crisis
management event" that occurred before
you acquired or formed the organization,
even if an " executive officer" only first
becomes aware of an " event" or
occurrence" that leads to such " crisis
management event" after the date you
acquired or formed the organization.

No person or organization is an insured or will
qualify as a Named Insured with respect to the
conduct of any current or past partnership, joint
venture or limited liability company that is not
shown as a Named Insured in the Declarations.

SECTION Ill - LIMITS OF INSURANCE
A. The Limits of Insurance shown in the Declarations
and the rules below fix the most we will pay for the
amounts described below to which this insurance
applies regardless of the number of:

1. Insureds;

2. Claims made or "suits" brought;

3. Number of vehicles involved;

4. Persons or organizations making claims or
bringing " suits"; or

5. Coverages provided under this insurance.

As indicated in Paragraph D.1. of SECTION I -
COVERAGES, for any " suit" for which we have
the right and duty to defend the insured under
Coverage A, defense expenses will be within the
limits of insurance of this policy when such
expenses are within the limits of insurance of the
applicable " underlying insurance".

B. The General Aggregate Limit is the most we will
pay for the sum of all:

1. Damages; and

2. Defense expenses if such expenses are
within the limits of insurance of this policy;
except:

UMBRELLA
EU 00 010716 2016 The Travelers Indemnity Company. All rights reserved. Page 7 of 22 ©

1. Damages and defense expenses because of
bodily injury" or " property damage" included in
the "auto hazard";

2. Damages and defense expenses because of
bodily injury" or " property damage" included in
the " products- completed operations hazard"; or

3. Damages and defense expenses for which
insurance is provided under any Aircraft Liability
coverage included as " underlying insurance" to
which no aggregate limit applies.

C. The Products- Completed Operations Aggregate
Limit is the most we will pay for the sum of all:

1. Damages; and

2. Defense expenses if such expenses are within
the limits of insurance of this policy;
because of " bodily injury" or " property damage"
included in the " products- completed operations
hazard".

D. Subject to Paragraph B. or C. above, whichever
applies, the Occurrence Limit is the most we will
pay for the sum of all:

1. Damages, and defense expenses if such
expenses are within the limits of insurance of
this policy, under Coverage A arising out of any
one " event" to which the " underlying insurance"
applies a limit of insurance that is separate
from any aggregate limit of insurance; and

2. Damages under Coverage B because of all
bodily injury", " property damage", " personal
injury" or " advertising injury" arising out of any
one "occurrence".

For the purposes of determining the applicable
Occurrence Limit, all related acts or omissions
committed in the providing or failing to provide first
aid or "Good Samaritan services" to any one person
will be considered one "occurrence".

E. The Crisis Management Service Expenses Limit is
the most we will pay for the sum of all " crisis
management service expenses" arising out of all
crisis management events". Payment of such
crisis management service expenses" is in addition
to, and will not reduce, any other limit of insurance
of this policy.

F. The limits of insurance of this policy 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. If the policy period is
extended after issuance for an additional period of
less than 12 months, the additional period will be
deemed part of the last preceding period for
purposes of determining the limits of insurance.

SECTION IV - EXCLUSIONS
This insurance does not apply to:

A. With respect to Coverage A and Coverage B:

1. Asbestos
a. Damages 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 damages are
caused or contributed to by the hazardous
properties of asbestos.
b. Damages 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 damages
described in Paragraph a. above.
c. 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,
asbestos, asbestos fibers or products
containing asbestos; or
2) 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.

2. Employment- Related Practices
Damages because of injury to:
a. A person arising out of any:
1) Refusal to employ that person;
2) Termination of that person' s
employment; or
3) 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

UMBRELLA

committed before, during or after the
time of that person' s employment; or
b. The spouse, child, parent, brother or sister
of that person as a consequence of injury
to that person as described in Paragraphs
a.(1), (2) or (3) above.

This exclusion applies:
a. Whether the insured may be liable as an
employer or in any other capacity; and
b. To any obligation to share damages with or
repay someone else who must pay
damages because of the injury.

3. ERISA, COBRA And Similar Laws
Any obligation of the insured under:
a. The Employees Retirement Income
Security Act Of 1974 ( ERISA) or any of its
amendments;
b. The Consolidated Omnibus Budget
Reconciliation Act of 1985 ( COBRA) or any
of its amendments; or
c. Any similar common or statutory law of any
jurisdiction.

4. Medical Expenses Or Payments
Any obligation of the insured under any
medical expenses" or medical payments
coverage.

5. Nuclear Material
Damages arising out of:
a. The actual, alleged or threatened exposure
of any person or property to; or
b. The "hazardous properties" of;
any "nuclear material".

As used in this exclusion:
a. " Hazardous properties" includes
radioactive, toxic or explosive properties;
b. " Nuclear material" means " source
material", " special nuclear material" or " byproduct material"; and c. " Source material", " special nuclear
material" and " by-product material" have
the meanings given them in the Atomic
Energy Act of 1954 or any of its
amendments.

6. Uninsured or Underinsured Motorists, NoFault And Similar Laws Any liability imposed on the insured, or the
insured' s insurer, under any of the following
laws:
a. Uninsured motorists;
b. Underinsured motorists;
c. Auto no-fault or other first-party personal
injury protection ( PIP);
d. Supplementary uninsured/ underinsured
motorists ( New York); or
e. Medical expense benefits and income
loss benefits ( Virginia).

7. War
Damages arising out of:
a. War, including undeclared or civil war; or
b. 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
c. Insurrection, rebellion, revolution, usurped
power or action taken by governmental
authority in hindering or defending against
any of these.

8. Workers Compensation And Similar Laws
Any obligation of the insured under a workers
compensation, disability benefits or
unemployment compensation law or any
similar law.

B. With respect to Coverage B:

1. Expected Or Intended Bodily Injury Or
Property Damage
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.

2. Contractual Liability
Bodily injury", " property damage", " personal
injury" or " advertising injury" 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 that the
insured would have in the absence of the
contract or agreement.

3. Liquor Liability
Bodily injury" or "property damage" for which
any insured may be liable by reason of:
a. Causing or contributing to the intoxication
of any person, including causing or
contributing to the intoxication of any
person because alcoholic beverages were
permitted to be brought on your premises
for consumption on your premises;

UMBRELLA
EU 00 010716 2016 The Travelers Indemnity Company. All rights reserved. Page 9 of 22 © b. The furnishing of alcoholic beverages to a
person under the legal drinking age or
under the influence of alcohol; or
c. Any statute, ordinance or regulation relating
to the sale, gift, distribution or use of
alcoholic beverages.

4. Employers Liability
Bodily injury" to:
a. An "employee" of the insured arising out of
and in the course of:
1) Employment by the insured; or
2) Performing duties related to the
conduct of the insured' s business; or
b. The spouse, child, parent, brother or sister
of that " employee" as a consequence of
bodily injury" described in Paragraph a.
above.

This exclusion applies:
a. Whether the insured may be liable as an
employer or in any other capacity; and
b. To any obligation to share damages with or
repay someone else who must pay
damages because of the "bodily injury".

5. Pollution
a. " Bodily injury", " property damage",
personal injury" or " advertising injury"
arising out of the actual, alleged or
threatened discharge, dispersal, seepage,
migration, release or escape of "pollutants".
b. Any loss, cost or expense arising out of
any:
1) Request, demand, order or statutory or
regulatory requirement that any insured
or any other person or organization test
for, monitor, clean up, remove, contain,
treat, detoxify or neutralize, or in any
way respond to, or assess the effects
of, "pollutants"; or
2) 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, "pollutants".

6. Aircraft
Bodily injury" or "property damage" arising out
of the ownership, maintenance, use or
entrustment to others of any aircraft owned or
operated by or rented or loaned to any insured.

Use includes operation and " loading or
unloading".

This exclusion applies even if the claims
against any insured allege negligence or other
wrongdoing in the superv1s1on, hiring,
employment, training or monitoring of others
by that insured, if the " occurrence" which
caused the " bodily injury" or " property
damage" involved the ownership,
maintenance, use or entrustment to others of
any aircraft that is owned or operated by or
rented or loaned to any insured.

7. Auto
Bodily injury" or " property damage" ans1ng
out of the ownership, maintenance, use or
entrustment to others of any " auto". Use
includes operation and "loading or unloading".

This exclusion applies even if the claims
against any insured allege negligence or other
wrongdoing in the superv1s1on, hiring,
employment, training or monitoring of others
by that insured, if the " occurrence" which
caused the " bodily injury" or " property
damage" involved the ownership,
maintenance, use or entrustment to others of
any " auto".

This exclusion does not apply to "bodily injury"
or " property damage" caused by an
occurrence" that takes place outside of the
United States of America ( including its
territories and possessions), Puerto Rico and
Canada.

8. Watercraft
Bodily injury" or " property damage" ans1ng
out of the ownership, maintenance, use or
entrustment to others of any watercraft owned
or operated by or rented or loaned to any
insured. Use includes operation and " loading
or unloading".

This exclusion applies even if the claims
against any insured allege negligence or other
wrongdoing in the supervision, hiring,
employment, training or monitoring of others
by that insured, if the " occurrence" which
caused the " bodily injury" or " property
damage" involved the ownership,
maintenance, use or entrustment to others of
any watercraft that is owned or operated by or
rented or loaned to any insured.

This exclusion does not apply to a watercraft:
a. While ashore on premises owned by or
rented to any insured; or
b. That is SO-feet long or less and that:
1) You own; or

UMBRELLA

2) You do not own and is not being used
to carry any person or property for a
charge.

9. Electronic Data
Damages claimed for the loss of, loss of use of,
damage to, corruption of, inability to access, or
inability to manipulate " electronic data".

10. Damage To Property, Products Or Work
Property damage" to:
a. Property you own, rent or occupy, including
any costs or expenses incurred by you, or
any other person or organization, for repair,
replacement, enhancement, restoration or
maintenance of such property for any
reason, including prevention of injury to a
person or damage to another' s property;
b. Premises you sell, give away or abandon if
the " property damage" arises out of any
part of those premises;
c. Property loaned to you;
d. Personal property in the care, custody or
control of the insured;
e. That particular part of real property on
which you or any contractors or
subcontractors working directly or indirectly
on your behalf are performing operations if
the " property damage" arises out of those
operations;
f. That particular part of any property that
must be restored, repaired or replaced
because " your work" was incorrectly
performed on it;
g. " Your product" arising out of "your product"
or any part of it; or
h. " Your work" arising out of " your work" or
any part of it and included in the " productscompleted operations hazard".

11. 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:
a. A defect, deficiency, inadequacy or
dangerous condition in " your product" or
your work"; or
b. A delay or failure by you, or anyone acting
on your behalf, to fulfill the terms of a
contract or agreement.

This exclusion does not apply to the loss of use
of other property arising out of sudden and
accidental physical injury to " your product" or
your work" after it has been put to its
intended use.

12. Recall Of Products, Work Or Impaired
Property
Damages claimed for any loss, cost or
expense incurred by you or others for the loss
of use, withdrawal, recall, inspection, repair,
replacement, adjustment, removal or disposal
of:
a. " Your product";
b. " Your work"; or
c. " 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.

13. Violation Of Consumer Financial
Protection Laws
Bodily injury", " property damage", " personal
injury" or "advertising injury" arising out of any
actual or alleged violation of a " consumer
financial protection law", or any other " bodily
injury", " property damage", " personal injury" or
advertising injury" alleged in any claim or
suit" that also alleges any such violation.

14. Unsolicited Communication
Bodily injury", " property damage", " personal
injury" or "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".

15. Access Or Disclosure Of Confidential Or
Personal Information
Bodily injury", " property damage", " personal
injury" or "advertising injury" arising out of any
access to or disclosure of any person' s or
organization' s confidential or personal
information.

16. Knowing Violation Of Rights Of Another
Personal injury" or "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 injury"
or "advertising injury".

17. Material Published With Knowledge Of
Falsity
Personal injury" or "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.

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18. Material Published Or Used Prior To Policy
Period
a. " Personal injury" or " 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
b. " Advertising injury" ansIng 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.

19. Criminal Acts
Personal injury" or " advertising injury" arising
out of a criminal act committed by or at the
direction of the insured.

20. Breach Of Contract
Personal injury" or " advertising injury" arising
out of a breach of contract.

21. 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".

22. Wrong Description Of Prices
Advertising injury" arising out of the wrong
description of the price of goods, products or
services stated in your "advertisement".

23. Intellectual Property
Personal injury" or " advertising injury" ansIng
out of any actual or alleged infringement or
violation of any of the following rights or laws, or
any other " personal injury" or "advertising injury"
alleged in any claim or " suit" that also alleges
any such infringement or violation:
a. Copyright;
b. Patent;
c. Trade dress;
d. Trade name;
e. Trademark;
f. Trade secret; or
g. Other intellectual property rights or laws.

This exclusion does not apply to:
a. " Advertising injury" arising out of any actual
or alleged infringement or violation of
another' s copyright, " title" or " slogan" in
your "advertisement"; or
b. Any other " personal injury" or " 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".

24. Insureds In Media And Internet Type
Business
Personal injury" or " advertising injury" arising
out of an offense committed by an insured
whose business is:
a. Advertising, " broadcasting" or publishing;
b. Designing or determining content of websites for others; or c. An Internet search, access, content or
service provider.

This exclusion does not apply to Paragraphs
a.(1), ( 2) and ( 3) of the definition of " personal
injury".

For the purposes of this exclusion:
a. 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
b. 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.

25. Electronic Chatrooms Or Bulletin Boards
Personal injury" or " advertising injury" arising
out of an electronic chatroom or bulletin board
the insured hosts, owns or over which the
insured exercises control.

26. Unauthorized Use Of Another' s Name Or
Product
Personal injury" or "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.

C. With respect to Coverage C:

Newly Acquired, Controlled Or Formed
Entities
Crisis management service expenses" arising out
of a " crisis management event" that involves any
organization you newly acquire or form and that
occurred prior to the date you acquired or formed
that organization, even if an " executive officer"
only first becomes aware of an " event" or
occurrence" that leads to such " crisis

UMBRELLA

management event" after the date you acquired or
formed such organization.

SECTION V - CONDITIONS
A. APPEALS

1. If the insured or the insured' s " underlying
insurer" elects not to appeal a judgment which
exceeds the " applicable underlying limit" or
self-insured retention", we may do so.

2. If we appeal such a judgment, we will pay all
costs of the appeal. These payments will not
reduce the applicable limits of insurance. In no
event will our liability exceed the applicable limit
of insurance.

B. BANKRUPTCY

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

2. In the event of bankruptcy or insolvency of any
underlying insurer", this insurance will not
replace such bankrupt or insolvent " underlying
insurer' s" policy, and this insurance will apply as
if such " underlying insurer" had not become
bankrupt or insolvent.

C. CANCELLATION

1. The first Named Insured shown in the
Declarations may cancel this insurance by
mailing or delivering to us advance written
notice of cancellation.

2. We may cancel this insurance by mailing or
delivering to such first Named Insured written
notice of cancellation at least:
a. 1O days before the effective date of
cancellation if we cancel for nonpayment of
premium; or
b. 60 days before the effective date of
cancellation if we cancel for any other
reason.

3. We will mail or deliver our notice to such first
Named lnsured' s last mailing address known to
us.

4. Notice of cancellation will state the effective
date of cancellation. The policy period will end
on that date.

5. If this insurance is cancelled, we will send such
first Named Insured any premium refund due. If
we cancel, the refund will be pro rata. If such
first Named Insured cancels, the refund may be
less than pro rata. The cancellation will be
effective even if we have not made or offered a
refund.

6. If notice is mailed, proof of mailing will be
sufficient proof of notice.

D. CHANGES
This policy contains all the agreements between
you and us concerning the insurance afforded. No
change can be made in the terms of this
insurance except with our consent. The terms of
this insurance can be amended or waived only by
endorsement issued by us and made a part of this
policy.

E. CURRENCY
Payments for damages or expenses described in
Paragraph 5. of Paragraph D., DEFENSE AND
SUPPLEMENTARY PAYMENTS, of SECTION I
COVERAGES will be in the currency of the
United States of America. At our sole option, we
may make these payments in a different currency.

Any necessary currency conversion for such
payments will be calculated based on the rate of
exchange published in the Wall Street Journal
immediately preceeding the date the payment is
processed.

F. DUTIES REGARDING AN EVENT,

OCCURRENCE, CLAIM OR SUIT

1. You must see to it that we are notified as
soon as practicable of an " event" or
occurrence" which may result in a claim
under this insurance. To the extent possible,
notice should include:
a. How, when and where the " event" or
occurrence" took place;
b. The names and addresses of any
persons or organizations sustaining injury,
damage or loss, and the names and
addresses of any witnesses; and
c. The nature and location of any injury or
damage arising out of the " event" or
occurrence".

2. If a claim is made or "suit" is brought against
any insured which may result in a claim under
this insurance, you must see to it that we
receive written notice of the claim or " suit" as
soon as practicable.

3. With respect to Coverage A, the insured
must:
a. Cooperate with us in the investigation,
settlement or defense of any claim or
suit";
b. Comply with the terms of the " underlying
insurance"; and
c. Pursue all rights of contribution or
indemnity against any person or
organization who may be liable to the
insured because of the injury, damage or
loss for which insurance is provided under

UMBRELLA
EU 00 010716 2016 The Travelers Indemnity Company. All rights reserved. Page 13 of 22 © this policy or any policy of " underlying
insurance".

4. With respect to Coverage B, the insured must:
a. Immediately send us copies of any
demands, notices, summonses or legal
papers received in connection with the
claim or "suit";
b. Authorize us to obtain necessary records
and other information;
c. Cooperate with us in the investigation,
settlement or defense of any claim or "suit";
and
d. 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 Coverage B may apply.

5. No insured will, except at that insured' s own
expense, voluntarily make a payment, assume
any obligation, make any admission or incur
any expense, other than for first aid for " bodily
injury" covered by this insurance, without our
consent.

6. Knowledge of an "event", " occurrence", claim or
suit" by your agent, servant or "employee" will
not constitute knowledge by you, unless your
insurance or risk manager, or anyone working
in the capacity as your insurance or risk
manager, or anyone you designate with the
responsibility of reporting an " event",
occurrence", claim or "suit":
a. Has received notice of such " event",
occurrence", claim or " suit" from such
agent, servant or "employee"; or
b. Otherwise has knowledge of such " event",
occurrence", claim or "suit".

G. DUTIES REGARDING A CRISIS MANAGEMENT
EVENT
You must:

1. Notify us within 30 days of a " crisis
management event" that may result in " crisis
management service expenses".

2. Provide written notice of the " crisis
management event" as soon as practicable. To
the extent possible, notice should include:
a. How, when and where that " crisis
management event" took place;
b. The names and addresses of any persons
or organizations sustaining injury, damage
or loss, and the named and addresses of
any witnesses;
c. The nature and location of any injury or
damage ansIng out of that " crisis
management event"; and
d. The reason that " crisis management
event" is likely to involve damages
covered by this insurance in excess of the
applicable underlying limit" or " selfinsured retention" and involve regional or national media coverage.

H. EXAMINATION OF YOUR BOOKS AND

RECORDS
We may examine and audit your books and
records as they relate to this insurance:

1. At any time during the policy period;

2. Up to three years after the end of the policy
period; and

3. Within one year after final settlement of all
claims under this insurance.

I. EXTENDED REPORTING PERIOD OPTION

1. When the " underlying insurance" applies on a
claims- made basis, any automatic or basic
extended reporting period" in such
underlying insurance" will apply to this
insurance.

2. When the " underlying insurance" applies on a
claims- made basis and you elect to purchase
an optional or supplemental " extended
reporting period" in such " underlying
insurance," that " extended reporting period"
will apply to this insurance only if:
a. A written request to purchase an
Extended Reporting Period endorsement
for this insurance is made by you and
received by us within 90 days after the
end of the policy period;
b. You have paid all premiums due for this
policy at the time you make such request;
c. You promptly pay the additional premium
we charge for the Extended Reporting
Period endorsement for this insurance
when due. We will determine that
additional premium after we have
received your request for the Extended
Reporting Period endorsement for this
insurance. That additional premium is not
subject to any limitation stated in the
underlying insurance" on the amount or
percentage of additional premium that
may be charged for the " extended
reporting period" in such " underlying
insurance"; and

UMBRELLA

d. That Extended Reporting Period
endorsement is issued by us and made a
part of this policy.

3. Any Extended Reporting Period endorsement
for this insurance will not reinstate or increase
the Limits of Insurance or extend the policy
period.

4. Except with respect to any provisions to the
contrary contained in Paragraphs 1., 2. or 3.
above, all provisions of any option to purchase
an "extended reporting period" granted to you in
the " underlying insurance" apply to this
insurance.

J. INSPECTIONS AND SURVEYS

1. We have the right but are not obligated to:
a. Make inspections and surveys at any time;
b. Give you reports on the conditions we find;
and
c. Recommend changes.

2. Any inspections, surveys, reports or
recommendations relate only to insurability and
the premiums to be charged. We do not make
safety inspections. We do not undertake to
perform the duty of any person or organization
to provide for the health or safety of workers or
the public. We do not warrant that conditions:
a. Are safe or healthful; or
b. Comply with laws, regulations, codes or
standards.

K. LEGAL ACTION AGAINST US

1. No person or organization has a right under this
insurance:
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 insurance unless all of its
terms have been fully complied with.

2. A person or organization may sue us to recover
on an agreed settlement or on a final judgment
against an insured. We will not be liable for
damages that:
a. Are not payable under the terms of this
insurance; or
b. 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.

L. MAINTENANCE OF UNDERLYING INSURANCE

1. The insurance afforded by each policy of
underlying insurance" will be maintained for
the full policy period of this Excess FollowForm And Umbrella Liability Insurance. This provision does not apply to the reduction or
exhaustion of the aggregate limit or limits of
such " underlying insurance" solely by
payments as permitted in Paragraphs 4.a.(1),
2) and ( 3) of COVERAGE A - EXCESS
FOLLOW- FORM LIABILITY of SECTION I -
COVERAGES. As such policies expire, you
will renew them at limits and with coverage at
least equal to the expiring limits of insurance.

If you fail to comply with the above
requirements, Coverage A is not invalidated.

However, in the event of a loss, we will pay
only to the extent that we would have paid had
you complied with the above requirements.

2. The first Named Insured shown in the
Declarations must give us written notice of
any change in the " underlying insurance" as
respects:
a. Coverage;
b. Limits of insurance;
c. Termination of any coverage; or
d. Exhaustion of aggregate limits.

3. If you are unable to recover from any
underlying insurer" because you fail to
comply with any term or condition of the
underlying insurance", Coverage A is not
invalidated. However, we will pay for any loss
only to the extent that we would have paid had
you complied with that term or condition in
that "underlying insurance".

M. OTHER INSURANCE
This insurance is excess over any valid and
collectible " other insurance" whether such " other
insurance" is stated to be primary, contributing,
excess, contingent or otherwise. This provision
does not apply to a policy bought specifically to
apply as excess of this insurance.

However, if you specifically agree in a written
contract or agreement that the insurance provided
to any person or organization that qualifies as an
insured under this insurance must apply on a
primary basis, or a primary and non-contributory
basis, then insurance provided under Coverage A
is subject to the following provisions:

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EU 00 010716 2016 The Travelers Indemnity Company. All rights reserved. Page 15 of 22 ©

1. This insurance will apply before any " other
insurance" that is available to such additional
insured which covers that person or
organization as a named insured, and we will
not share with that " other insurance", provided
that the injury or damage for which coverage is
sought is caused by an "event" that takes place
or is committed subsequent to the signing of
that contract or agreement by you.

2. This insurance is still excess over any valid and
collectible " other insurance", whether primary,
excess, contingent or otherwise, which covers
that person or organization as an additional
insured or as any other insured that does not
qualify as a named insured.

N. PREMIUM

1. The first Named Insured shown in the
Declarations is responsible for the payment of
all premiums and will be the payee for any
return premiums.

2. If the premium is a flat charge, it is not subject
to adjustment except as provided in Paragraph

4. below.

3. If the premium is other than a flat charge, it is
an advance premium only. The earned
premium will be computed at the end of the
policy period, or at the end of each year of the
policy period if the policy period is two years or
longer, at the rate shown in the Declarations,
subject to the Minimum Premium.

4. Additional premium may become payable when
coverage is provided for additional insureds
under the provisions of SECTION II - WHO IS
AN INSURED.

0. PREMIUM AUDIT
The premium for this policy is the amount stated in
Item 5. of the Declarations. The premium is a flat
charge unless it is specified in the Declarations as
adjustable.

P. PROHIBITED COVERAGE UNLICENSED

INSURANCE

1. With respect to loss sustained by any insured in
a country or jurisdiction in which we are not
licensed to provide this insurance, this
insurance does not apply to the extent that
insuring such loss would violate the laws or
regulations of such country or jurisdiction.

2. We do not assume responsibility for:
a. The payment of any fine, fee, penalty or
other charge that may be imposed on any
person or organization in any country or
jurisdiction because we are not licensed to
provide insurance in such country or
jurisdiction; or
b. The furnishing of certificates or other
evidence of insurance in any country or
jurisdiction in which we are not licensed to
provide insurance.

Q. PROHIBITED COVERAGE - TRADE OR

ECONOMIC SANCTIONS
We will provide coverage for any loss, or
otherwise will provide any benefit, only to the
extent that providing such coverage or benefit
does not expose us or any of our affiliated or
parent companies to:

1. Any trade or economic sanction under any law
or regulation of the United States of America;
or

2. Any other applicable trade or economic
sanction, prohibition or restriction.

R. REPRESENTATIONS
By accepting this insurance, you agree:

1. The statements in the Declarations and any
subsequent notice relating to " underlying
insurance" are accurate and complete;

2. Those statements are based upon
representations you made to us; and

3. We have issued this insurance in reliance
upon your representations.

S. SEPARATION OF INSUREDS
Except with respect to the Limits of Insurance,
and any rights or duties specifically assigned in
this policy to the first Named Insured shown in the
Declarations, this insurance applies:

1. As if each Named Insured were the only
Named Insured; and

2. Separately to each insured against whom
claim is made or "suit" is brought.

T. WAIVER OR TRANSFER OF RIGHTS OF

RECOVERY AGAINST OTHERS TO US

1. If the insured has rights to recover all or part
of any payment we have made under this
insurance, those rights are transferred to us
and 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, and with respect to Coverage A, the
underlying insurer", enforce them.

If the insured has agreed in a contract or
agreement to waive that insured' s right of
recovery against any person or organization,
we waive our right of recovery against that
person or organization, but only for payments
we make because of an " event" that takes
place or is committed subsequent to the

UMBRELLA

execution of that contract or agreement by such
insured.

2. Reimbursement of any amount recovered will
be made in the following order:
a. First, to any person or organization
including us or the insured) who has paid
any amount in excess of the applicable limit
of insurance;
b. Next, to us; and
c. Then, to any person or organization
including the insured and with respect to
Coverage A, the " underlying insurer") that
is entitled to claim the remainder, if any.

3. Expenses incurred in the process of recovery
will be divided among all persons or
organizations receIvIng amounts recovered
according to the ratio of their respective
recoveries.

U. TRANSFER OF YOUR RIGHTS AND DUTIES

UNDER THIS INSURANCE

1. Your rights and duties under this insurance may
not be transferred without our written consent
except in the case of death of an individual
Named Insured.

2. If you die, your rights and duties will be
transferred to your legal representative but only
while acting within the scope of duties as your
legal representative. Until your legal
representative is appointed, anyone having
proper temporary custody of your property will
have your rights and duties but only with
respect to that property.

V. UNINTENTIONAL OMISSION OR ERROR
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.

W. WHEN LOSS IS PAYABLE
If we are liable under this insurance, we will pay for
injury, damage or loss after:

1. The insured' s liability is established by:
a. A court decision; or
b. A written agreement between the claimant,
the insured, any " underlying insurer" and
us; and

2. The amount of the " applicable underlying limit"
or " self-insured retention" is paid by or on
behalf of the insured.

SECTION VI - DEFINITIONS
A. With respect to all coverages of this insurance:

1. " Applicable underlying limit" means the sum of:
a. The applicable limit of insurance stated
for the policies of " underlying insurance"
in the Schedule Of Underlying Insurance
subject to the provisions in Paragraphs

4.a.(1), ( 2) and ( 3) of COVERAGE A -
EXCESS FOLLOW-FORM LIABILITY of
SECTION I - COVERAGES; and
b. The applicable limit of insurance of any
other insurance" that applies.

The limits of insurance in any policy of
underlying insurance" will apply even if:
a. The " underlying insurer" claims the
insured failed to comply with any term or
condition of the policy; or
b. The " underlying insurer" becomes
bankrupt or insolvent.

2. " Auto hazard" means all " bodily injury" and
property damage" to which liability insurance
afforded under an auto policy of " underlying
insurance" would apply but for the exhaustion
of its applicable limits of insurance.

3. " 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.

4. " Event" means an " occurrence", offense,
accident, act, error, omission, wrongful act or
loss.

5. " Extended reporting period" means any period
of time, starting with the end of the policy
period of your claims- made insurance, during
which claims or " suits" may be first made,
brought or reported for that insurance.

6. " Medical expenses" means expenses to
which any Medical Payments section of any
policy of Commercial General Liability
underlying insurance" applies.

7. " Other insurance" means insurance, or the
funding of losses, that is provided by, through
or on behalf of:
a. Another insurance company;
b. Us or any of our affiliated insurance
companies;
c. Any risk retention group;

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EU 00 010716 2016 The Travelers Indemnity Company. All rights reserved. Page 17 of 22 © d. Any self-insurance method or program, in
which case the insured will be deemed to
be the provider of such insurance; or
e. Any similar risk transfer or risk
management method.

Other insurance" does not include:
a. Any "underlying insurance"; or
b. Any policy of insurance specifically
purchased to be excess of the limits of
insurance of this policy shown in the
Declarations.

8. " 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 the work called for in your
contract has been completed;
b) When all the work to be done at the
job site has been completed if your
contract calls for work at more than
one job site; or
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 a policy of
Commercial General Liability
underlying insurance" states that
products- completed operations are
subject to the General Aggregate
Limit.

9. " Suit" means a civil proceeding which alleges
damages. " Suit" includes:
a. An arbitration proceeding in which
damages are claimed and to which the
insured must submit or does submit with
our consent; or
b. Any other alternative dispute resolution
proceeding to which the insured submits
with our consent.

10. " Underlying insurance":
a. Means the policy or policies of insurance
listed in the Schedule Of Underlying
Insurance.
b. Includes any renewal or replacement of
such policies if such renewal or
replacement is during the policy period of
this Excess Follow- Form And Umbrella
Liability Insurance.
c. Does not include any part of the policy
period of any of the policies described in
Paragraphs a. or b. above that began
before, or that continues after, the policy
period of this Excess Follow- Form And
Umbrella Liability Insurance.

11. " Underlying insurer" means any insurer which
provides a policy of insurance listed in the
Schedule Of Underlying Insurance.

B. With respect to Coverage B and, to the extent that
the following terms are not defined in the
underlying insurance", to Coverage A:

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:
a. Notices that are published include
material placed on the Internet or on
similar electronic means of
communication; and
b. Regarding web sites, only that part of a
web site that is about your goods,
products or services for the purposes of
attracting customers or supporters is
considered an advertisement.

2. " Advertising injury":

UMBRELLA

a. Means injury, other than " personal 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
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 such
programming.

6. " Consumer financial identity information"
means any of the following information for a
person that is used or collected for the
purpose of serving as a factor in establishing
such person' s eligibility for personal credit,
insurance or employment or for the purpose
of conducting a business transaction:
a. Part or all of the account number, the
expiration date or the balance of any
credit, debit, bank or other financial
account;
b. Information bearing on a person' s credit
worthiness, credit standing or credit
capacity;
c. Social security number;
d. Driver' s license number; or
e. Birth date.

7. " Consumer financial protection law" means:
a. The Fair Credit Reporting Act (FCRA) and
any of its amendments, including the Fair
and Accurate Credit Transactions Act
FACTA);
b. California' s Song-Beverly Credit Card Act
and any of its amendments; or
c. Any other law or regulation that restricts
or prohibits the collection, dissemination,
transmission, distribution or use of
consumer financial identity information".

8. " Employee" includes a " leased worker".

Employee" does not include a " temporary
worker".

9. " Good Samaritan services" means any
emergency medical services for which no
compensation is demanded or received.

10. "Impaired property" means tangible property,
other than " your product" or " your work", that
cannot be used or is less useful because:
disease.

5. " Broadcasting" means transmitting any audio or
visual material for any purpose:
a. By radio or television; or
a. It incorporates " your
work" that is known
defective, deficient,
dangerous; or
product" or " your
or thought to be
inadequate or

UMBRELLA
EU 00 010716 2016 The Travelers Indemnity Company. All rights reserved. Page 19 of 22 © 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.

11. "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".

12. " 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".

13. " 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.
d. Vehicles, whether self-propelled or not,
maintained primarily to provide mobility to
permanently mounted:
1) Power cranes, shovels, loaders, diggers
or drills; or
2) Road construction or resurfacing
equipment such as graders, scrapers or
rollers.
e. Vehicles not described in Paragraph a., b.,
c. or d. above that are not self-propelled and
are maintained primarily to provide mobility
to permanently attached equipment of 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".

14. "Occurrence" means:
a. With respect to " bodily injury" or " property
damage":
1) An accident, including continuous or
repeated exposure to substantially the
same general harmful conditions,
which results in " bodily injury" or
property damage". All " bodily injury"
or " property damage" caused by such
exposure to substantially the same
general harmful conditions will be
deemed to be caused by one
occurrence"; or
2) An act or omission committed in
providing or failing to provide first aid
or " Good Samaritan services" to a
person by any of your " employees" or
volunteer workers" other than an
employed or volunteer doctor, unless
you are in the business or occupation
of providing professional health care
services;

UMBRELLA

b. With respect to " personal injury", an
offense arising out of your business that
results in " personal injury". All " personal
injury" caused by the same or related
injurious material, act or offense will be
deemed to be caused by one " occurrence",
regardless of the frequency or repetition
thereof, the number and kind of media
used or the number of persons or
organizations making claims or bringing
suits"; and
c. With respect to " advertising injury", an
offense committed in the course of
advertising your goods, products and
services that results in " advertising injury".

All " advertising injury" caused by the same
or related injurious material, act or offense
will be deemed to be caused by one
occurrence", regardless of the frequency
or repetition thereof, the number and kind
of media used or the number of persons or
organizations making claims or bringing
suits".

15. " Officer" means a person holding any of the
officer positions created by your charter,
constitution, bylaws or any other similar
governing document.

16. "Personal injury":
a. Means 1nJury, 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. "Pollutants" mean any solid, liquid, gaseous or
thermal irritant or contaminant, including
smoke, vapor, soot, fumes, acids, alkalis,
chemicals and waste. Waste includes
materials to be recycled, reconditioned or
reclaimed.

18. "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.

19. " Self-insured retention" is the greater of:
a. The amount shown in the Declarations
which the insured must first pay under
Coverage B for damages because of all
bodily injury", " property damage",
personal injury" or " advertising injury"
arising out of any one "occurrence"; or
b. The applicable limit of insurance of any
other insurance" that applies.

20. " 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.

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EU 00 010716 2016 The Travelers Indemnity Company. All rights reserved. Page 21 of 22 ©

21. " Temporary worker" means a person who is
furnished to you to substitute for a permanent
employee" on leave or to meet seasonal or
short- term workload conditions.

22. " Title" means the name of a literary or artistic
work.

23. " Unsolicited communication" means any
communication, in any form, that the recipient
of such communication did not specifically
request to receive.

24. " 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 by you.

25. " Your product":
a. Means:
1) Any goods or products, other than real
property, manufactured, sold, handled,
distributed or disposed of by:
a) You;
b) Others trading under your name; or
c) A person or organization whose
business or assets you have
acquired; and
2) Containers ( other than vehicles),
materials, parts or equipment furnished
in connection with such goods or
products.
b. Includes:
1) Warranties or representations made at
any time with respect to the fitness,
quality, durability, performance or use
of "your product"; and
2) The providing of or failure to provide
warnings or instructions.
c. Does not include vending machines or
other property rented to or located for the
use of others but not sold.

26. " 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.

C. With respect to Coverage C:

1. " Crisis management advisor" means any
public relations firm or crisis management
firm approved by us that is hired by you to
perform " crisis management services" in
connection with a "crisis management event".

2. " Crisis management event" means an "event"
or " occurrence" that your " executive officer"
reasonably determines has resulted, or may
result, in:
a. Damages covered by this Coverage A or
Coverage B that are in excess of the total
applicable limits of the " underlying
insurance" or "self-insured retention"; and
b. Significant adverse regional or national
media coverage.

3. " Crisis management service expenses"
means amounts incurred by you, after a
crisis management event" first commences
and before such event ends:
a. For the reasonable and necessary:
1) Fees and expenses of a " crisis
management advisor" in the
performance for you of " crisis
management services" solely for a
crisis management event"; and
2) Costs for printing, advertising, mailing
of materials or travel by your
directors, officers, employees or
agents or a " crisis management
advisor" solely for a " crisis
management event"; and
b. For the following expenses resulting from
such " crisis management event", provided
that such expenses have been approved
by us:
1) Medical expenses;
2) Funeral expenses;
3) Psychological counseling;
4) Travel expenses;
5) Temporary living expenses;
6) Expenses to secure the scene of a
crisis management event"; or
7) Any other expenses pre-approved by
us.

UMBRELLA

4. " Crisis management services" means those
services performed by a " crisis management
advisor" in advising you or minimizing potential
harm to you from a " crisis management event"
by maintaining or restoring public confidence in
you.

5. " Executive officer" means your:
a. Chief Executive Officer;
b. Chief Operating Officer;
c. Chief Financial Officer;
d. President;
e. General Counsel;
f. General partner ( if you are a
partnership); or
g. Sole proprietor ( if you are a sole
proprietorship);
or any person acting in the same capacity as
any individual listed above.