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(2) "Bo i y in u y o "pro e ty da a e a i i g e pl y e t- e a ed l j r " r p r m g " r s n m o m n r l t d de cri e s b d in o t o th o a l g d pre e ce o Pa a r pu f e r l e e s n r r g a h(a), (b), r o(c) a o e i b v s a l ge o th e t ne di pe sa ol e d r r a e d s r l f Thi e cl si n a pl e whe he th in ure m ys x u o p i s t r e s d a a y so i , li ui , ga e us o th r an l d q d s o r e m l be l a l s a e p o e r n ny o hei b e a n m l y r o i a t r o i cl di g sm k , v po s,r n u n o e a r a d t a y o l ga i n to sha e da a e wit on o n b i t o r m g s h r so t fu e , , a k l s, a do , m s l a i n re a so e ne e se who m st pa da a ep y m o l u y m g s wa te a d th t a e pa t o a y os , n a r r f n r be a se o he "bo i y i j r ".c u f t d l n u y "sui " whi h a so a l ge a y "bo i y i j ryt c l l e s n d l n u " Ex l si ns c u oc. th o g r u hn. do no a p y to "pre i et p l m s so "pro e ty da a e de cri e inr p r m g " s b d da a e . A se a a e li i o i sura ce a p i s tom g " p r t m t f n n p l ePa a r p r g a h(1) a o e b v . "pre i e da a e a de cri e in Pa a r pm s s m g " s s b d r g a h 6. of III – Li i s O nsur n em t f I a c .(3) An l ss, co t o e p nse a i in o t oy o s r x e r s g u f a y n : CO ERA E B – P RSO A A D AD ERT SI GV G E N L N V I N IN U Y L AB L TJ R I I I Y( ) aRe ue t, de a d o de o sta ut ry oq s m n , r r r t o r
1. In u in g e m ns r g A r e e tre u a o y re ui e e t tha a y i sureg l t r q r m n t n n d o o he s te t fo , m ni o , cle n up,r t r s r o t r a a. We wi l pa th se sum tha th i surel y o s t e n d re o e co t i , tre t de o i y om v , n a n a , t x f r le a l o l ga e to pa a da a eg l y b i t d y s m g s ne t a i e o i a y wa re po d to ou r l z , r n n y s n , r o "pe so a a d a v rt si g in ur " tof r n l n d e i n j y a se s the e f ct o , a be to ,s s f e s f s s s th s i sura ce a pl e . We wi l ha e thei n n p i s l v a be to fi e s o pro uct co t i i gs s s b r r d s n a n n ri ht a d du y to de e d t e i sure a a nst a yg n t f n h n d g i n a be to ; r s s s o "sui " se k n th se da a e . Ho e e , we wi lt e i g o m g s w v r l ha e no dut to de e d the in ure a a n t a yv y f n s d g i s n( ) bCl i o sui by o o be a f o a ya m r t r n h l f n "sui " se k n da a e fo "pe so a a dt e i g m g s r r n l ngo e n e t l a t o i y o a y o h rv r m n a u h r t r n t e a v rt si g in ur " to thi i sura ce do sd e i n j y s n n epe so o o ga i a i n or n r r n z t o f no a p y We m y at o r t p l . a , u ,te ti g fo , m n t r ng cl a i g up,s n r o i o i , e n n i v sti a e a y o fe se a d se t e a y cla m on e g t n f n n t l n i rre o i g, con a ni g, tre t ngm v n t i n a i , "sui " th t a e ul . Bu :t a m y r s t tde o i y ng o ne t a i i g o in a yt x f i r u r l z n , r n wa re po di g to o a se sin they s n n , r s s g (1) The a o n we wil pa fo da a e ism u t l y r m g s e fe t o , a be to , a be to fi e s o l m te a de cri e if c s f s s s s s s b r r i i d s s b d n III – Li i s m t pro uct co t i i g a be to . Of I sura ce a dd s n a n n s s s n n ; n t. Em l ymen -Rel te ra ti esp o t a d P c c (2) Ou rig t a d dut to de e d e d whe wer h n y f n n n ha e use up th li i ov d e m t f"Bo i y i j r " tod l n u y :
i sur n e i the pa m nt o j d m n s on a c n y e f u g e t r(1) A e so ri in ut o nyp r n a s g o f a :
se tl m n s und r Co e a et e e t e v r g s A or B or(a) Re usa o e p o h t e so ;f l t m l y t a p r n x e se un e o e a ee p n s d r C v r g C.(b) Te m na i n o tha pe so 'sr i t o f t r n No o he o l g t o o l a i i y to pa sum ot r b i a i n r i b l t y s re pl y e t rm o m n ; o pe f r o se v ce i unl ssr o m r r i s s e(c) Em l y e t re a ep o m n - l t d , , e pl ci l pro i e fo un e Su p e e t ryx i t y v d d r d r p l m n ao o i si n, such a co rci n,r m s o s e o Pa m nt . y e sde o i n, e a u ti n re ssi nm n ,m t o v l a o , a g e t b. Thi i sura ce a pl e to "pe so a a ds n n p i s r n l ndi cip i e fa l re to pro o e os l n , i u m t r a v rti i g in ur " ca se by a o fe se a i i gd e s n j y u d n f n r s na v nce ha a sm n , hum l a i nd a , r s e t i i t o , o t o y u bu i e s but o l i th o f nse wau f o r s n s n y f e f e sdi crim na i n, li e , sl nd r v o a i ns i t o b l a e , i l t o co m t e in th "co e a e te r t r " du i g thm i t d e v r g r i o y r n eo th pe so 's rig t of e r n h f po i y p ri d. l c e oo fa se a re t,r l r s
de e t o o i p i o m n a p i d t ot n i n r m r s n e t p l e o r 2 Ex l si n. c u o s a tha pe so , re a dl ss ot t r n g r e f Thi i sura ce d e no p l os n n o s t a p y t :whe he such ot r , , r a. Kn w n i l t o f i h s f n th ro i g V o a i n O R g t O A o eo i si n i a p i d o ism s o s p l e r co m t e be o e duri g o a t r them i t d f r , n r f e "Pe so a a d a v rt sin in ur " ca se by or n l n d e i g j y u d r ti e o t a e so 's e p o m nt rm f h t p r n m l y e ; o a th o the i sure wi h thet e f n d t (2) The spo se chi d pa e t bro h r o sisteu , l , r n , t e r r k o l d e th t the wo l v o a e the rig tn w e g a u d i l t h s o tha pe so a a co se u nce o "bo i yf t r n s n q e f d l o a o h r a d wo l "pe so a a df n t e n u d r n l n i j ry to tha pe so a who a y o then u " t r n t m n f a v rt si g i j r ".d e i n n u y Pa e 6 o 21 g f CG 1 0 02 1 T 0 9© 2017 Th
e Travelers Indemnity Company. All rights reserved.
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Thi e cl si n do s no a pl to "pe so a a a nst a ci i o as x u o e t p y r n l g i v l r l e n t v di putt r a i e s e re o u i n pro e di g is l t o c e n n
da a e to th s in ura cem g s i s nb Mate ia u l s ed Wi h Kn w ed e O. r l P b i h t o l g f a pl e a e a l ge .p i s r l e dF l i y a s t f. B ea h O o tracr c f C n t"Pe so a a d a v rt sin in u y a i i g o t or n l n d e i g j r " r s n u f o a o wri te pu l ca i n i cl di g "Adv rt sinr l r t n b i t o , n u n e i g i j ry a i i g o t on u " r s n u f a bre ch o a f co tr ct n a .
th o th i sure wi h kno l d e oe f e n d t w e g f g Q a it O erfo m n e f o d – F i u e. u l y r P r a c O G o s a l ri s f l i y t a s t . To Co fo m To S at m n sn r t e e t c. Mate ia u l s ed O s d P i r T o i yr l P b i h r U e r o o P l c "Adv rt sin in ur " a i i g o t o th fa l re oe i g j y r s n u f e i u fP rio e d go ds, pro uct o se v ce to co fo m wi ho d s r r i s n r t (1) "Pe so a a d a v rt sin n u y a i i g o t a y sta e e t o quar n l n d e i g i j r " r s n u n t m n f l t o pe fo i y r r rm n e m de a c a o o a o wri t n pu l ca i n i o r "a v rt se ef r l r t e b i t o , n y u d e i m nt . " pu l ca i n by e e t o i m a s, o m t ri lb i t o l c r n c e n f a e a h Wro g D s ri ti n O ric s. n e c p o f P ewho e fi st pu l ca i n to k pl ce be o es r b i t o o a f r "Adv rt sin in u y a i i g o t o the wro ge i g j r " r s n u f nth b gi ni g o t e p l cy pe i d re e n n f h o i r o ; o de cri t o o the pri e o go ds, pro uct os p i n f c f o d s r(2) "Ad e t si g i j ry a i i g ou ofv r i n n u " r s n t se v ce sta e n y ur "a v rt se e t .r i s t d i o d e i m n "i f i ge e t o co y i ht "ti l " o "sl g n"n r n m n f p r g , t e r o a i. In el ec u l P op rtyt l t a r ei y ur "a v rt se e t who e fi stn o d e i m n " s r i f i ge e t i y ur "a v rt se e t wa "Pe so a a d a v rt sinn r n m n n o d e i m n " s r n l n d e i g in u y a i i g o tj r " r s n u of co m t e be o e the be i n n o the a y o a l g d i fm i t d f r g n i g f n r l e e n ri ge e t o v o an m n r i l t o o i n f po i y p r o . a y o th fo l wi g ri h s o la s, o a yl c e i d n f e l o n g t r w r n o h r t e "pe so a a d a v rt si g in ur " a l ge i a yr n l n d e i n j y l e d n nd Crim n l Act. i a s cl i o "sui " th t a so a l ge a y sucha m r t a l l e s n"Pe so a nd a v rt si g i j ry a i i g o t o ar n l a d e i n n u " r s n u f i f i ge e t r i l t o :n r n m n o v o a i ncri i a co m t e by o a the om n l m i t d r t f (1) Co y i h ; p r g tth i sure . e n d (2) Pa e t t n ;e. Co trac u l L ab l tn t a i i i y
(3) Tra e d e s; d r s"Pe so a a d a v rt sin in ur " fo ther n l n d e i g j y r i sure ha a sum d l a i i y in a on d s s e i b l t r (4) Tra e n m ; d a e a re m nt Thi e cl sio do s no a pl tog e e . s x u n e t p y (5) Tra e a k d m r ;l a i i y f r a a e :i b l t o d m g s (6)(1) Tha the i sure o l a e i h a se cet n d w u d h v n t e b n (7) Ot e n e l ctu l p o e t i h s o a s.h r i t l e a r p r y r g t r l w Thi e cl sio d e no p l os x u n o s t a p y t :(2) Be a se o "pe so a in u y a sum d byc u f r n l j r " s e y u in a o a re m nt th t i ao r g e e a s n (1) "Ad e t si g i j ry a i i g o t o a yv r i n n u " r s n u f n "i sure co tr ct , pro i e th t then d n a " v d d a o a l g d i fri g m n o v o a i n or l e e n n e e t r i l t o f "pe so a in u y i ca se by a o f n er n l j r " s u d n f e s a o h r's co y i h , "ti l " o "sl g n" in t e p r g t t e r o a n y ur "a v rt se e t ; ro d e i m n " o
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(2) An o h r "pe so a a d a v rt sin in u yy t e r n l n d e i g j r "pu po e o li b l ty a sum d by y u i ar s s f a i i s e o n n a l ge in a y cla m o "sui " th t a sol e d n i r t a l"i sure co t a t , re so a l a t r e s'n d n r c " a n b e t o n y a l ge a y such i f i ge e t o v o a i nl e s n n r n m n r i l t ofe s a d ne e sa y l t ga i n e pe see n c s r i i t o x n s o a o h r' co y i ht "ti l " o "sl g n" if n t e s p r g , t e r o a ni cu re by o fo a pa ty o he th n an r d r r r t r a n y ur "a v rt se e t .o d e i m n "i sure wi l be de m d to be da a en d l e e m g s be a se o "pe so a i j ry , ro i e h t:c u f r n l n u " p v d d t a j. In u ed I ed a n n e ne ypes r s n M i A d I t r t T B si e s s u n s e(a) Li b l t to such pa t fo , o fo tha i i y r y r r r e co t o , th t pa t ' de e se ha a sos f a r y s f n s l "Pe so a a d a v rt si g in ur " ca se by ar n l n d e i n j y u d nbe n a sum d by y u in th sa ee s e o e m o fe se co m t e by a i sure who ef n m i t d n n d s"i sure o t a t ; ndn d c n r c " a bu i e s i : s n s s (b) Su h a t r e s' fe s a d l t g t oc t o n y e n i i a i n (1) Ad e t si g o pu l shi g;v r i n , r b i ne pe se a e fo de e se o th t pa tx n s r r f n f a r y CG 1 0 02 1 T 0 9 Pa e 7 o 21 g f© 2017 Th
e Travelers Indemnity Company. All rights reserved.
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(2) De ig i g o de e m n n con e t o ne tr l z n , o i a y wa es n n r t r i i g t n f u a i i g r n n y r spo di g o n n t , r o we sit s f r o he s; rb e o t r o
(3) An In e n t se rch, a ce s, co t nt ot r e a c s n e r o War . se v ce p o i e .r i r v d r "Pe so a nd a v rt si g i j ry a i i g o t o :r n l a d e i n n u " r s n u f Ho e e , thi e cl si n do s no a p y tow v r s x u o e t p l (1)Pa a ra h r g p sa. 1) (, (2) a d n(3) o th d fi i i n ff e e n t o o (2) Wa l k by a m l ta y fo ce in l d ngr i e i i r r , c u i"pe so a i j ry .r n l n u " a t o i hi d ri g o de e d ng a a n t ac i n n n e n r f n i g i s nF r t e p rp se o h s e cl sio :o h u o s f t i x u n a t a o e pe t d a t ck by a yc u l r x c e t a , n (1) Cre t n a d pro uci g co re po de ce go e nm nt so e e gn o oa i g n d n r s n n v r e , v r i r t e a t o i yh r u h r t wri t n in the co d ct o y u busin ss, usin i i a y pe so n lt e n u f o r e g m l t r r n e o t e ge t ; or o h r a n s r bu l t ns, fi a ci l o a n a re o t , ol e i n n a r n u l p r s r (3) In urre t o , re e l o , re o ut o , usurp ds c i n b l i n v l i n ene sle te s a o t y u go ds, pro u ts ow t r b u o r o d c r po e , o ta e by go e n e t lw r r k n v r m n ase v ce wil no be co si e e ther i s l t n d r d a th ri y i hi d r ng o de e di g a a nstu o t n n e i r f n n g ibu i e s o u l shi g; a ds n s f p b i n n a y o he e n f t s . (2) The pl ci g o fra e , bo d rs o l n s, oa n f m s r e r i k r p U so i i e o m n ca i n. n l c t d C m u i t o a v rt sin , fo y u o o he s a y he e od e i g r o r t r n w r n "Pe so a a d a v rt sin in u y a i i g o t or n l n d e i g j r " r s n u fth Int rn t wi l no , by i se f, be co si e ee e e l t t l n d r d a y o a l ge v o a i n o a y l w th tn r l e d i l t o f n a ath bu i e s o a v rt si g "bro dca ti ge s n s f d e i n , a s n " o pro i i s the se d ng tr n m t i gr h b t n i , a s i t no pu l shi g.r b i n o d stri ut n f "un o i i e co m ni a i n".r i b i g o s l c t d m u c t o k. El c ro i h t oo s O u le i B arde t n c C a r m r B l t n o s q Acc s O Di c o u e O Con id n i l O. e s r s l s r f f e t a r "Pe so a a d a v rt sin in u y a i i g o t or n l n d e i g j r " r s n u f P rso a n o m ti ne n l I f r a o a e e tro i cha r o o bul e i bo rd then l c n c t o m r l t n a "Pe so a a d a v rt sin in u y a i i g o t or n l n d e i g j r " r s n u fi sure ho ts o o ns, o o e whi h then d s r w r v r c a y a ce s to o di cl sure o a y pe so ' on c s r s o f n r n s ri sure x rci e co t o .n d e e s s n r l o ga i a i n' co fi e t a o pe so ar n z t o s n d n i l r r n l l. U au h rized U e f n th r's a e On t o s O A o e N m r i f rm t o . n o a i n P o u t r d c r. Asb st s e o
"Pe so a a d a v rt sin in u y a i i g o t or n l n d e i g j r " r s n u f (1) "Pe so a a d a v rt sin n u y a i i g o tr n l n d e i g i j r " r s n uth una t o i e use o a o he 's na e oe u h r z d f n t r m r o the o a l ge pre e ce of r l e d s n rpro uct in y ur - a l a d e s, o a n n m od o e m i d r s d m i a e r a l ge r hre t n d i pe sa o a be to ,l e d o t a e e d s r l f s s sm ta a , o a y o he sim l r ta ti s to m sl ae t g r n t r i a c c i e d a be to fi e s o pro u ts co t i i gs s s b r r d c n a n na o h r s p t nt a usto e s.n t e ' o e i l c m r a be to , pro i e th t th "pe so a a ds s s v d d a e r n l n m. P l u i n o l t o a v rt sin in ur " i ca se o co tr bu ed e i g j y s u d r n i t d to by t e h z rd us pro e ti s o sbe to .h a a o p r e f a s s"Pe so a a d a v rt sin in u y a i i g o t or n l n d e i g j r " r s n u f (2) "Pe so a a d a v rt sin n u y a i i g o tr n l n d e i g i j r " r s n uth a l ge o th e te e di cha g ,e l e d r r a n d s r e o the o a l ge pre e ce of r l e d s n rdi pe sa , se pa e m gra i n, re e se os r l e g , i t o l a r a l ge o th e t ne di pe sa o a y so i ,l e d r r a e d s r l f n l de ca e o "po l t n s" a ny t m .s p f l u a t t a i e l q i , ga e us o th rm l ir i a t oi u d s o r e a r t n rn P l u i n Rel t d. o l t o - a e co ta i a t i cl di g sm k , v po s,n m n n , n u n o e a r An o s, x e se a i in ut o nyy l s e p n r s g o f a : so t fu e , a k l s, a do , m s l a i n wa te a d th t a e pa t o a y os , n a r r f n r(1) Re ue t, de a d o de o sta ut ry oq s m n , r r r t o r "sui " whi h a so a l ge a y "pe so a a dt c l l e s n r n l nre u a o y re u re e t th t a y in ure og l t r q i m n a n s d r a v rt sin in u y de cri e i Pa a r phd e i g j r " s b d n r g ao h r te t fo , m n t r up re o et e s s r o i o , , m v , (1) a o e b v .co ta n tre t de o i y o ne t a i e o inn i , a , t x f r u r l z , r (3) An l ss, co t o e p n e a i in o t oy o s r x e s r s g u fany way respond to, or assess the effects o , "po l t n s"; r a yf l u a t o n :
(2) Cl i o sui by o o be a f o a ya m r t r n h l f n (a) Re ue t, de a d o de o sta ut ry oq s m n , r r r t o r re u a o y re ui e e t tha a y i sureg l t r q r m n t n n dgovernmental authority or any other person o o g n z ti n o te ti g fo , o o he s te t fo , mr r a i a o f s n r r t r s r o i o , cle n up,n t r a m ni o i g, up, re o i g re o e co t i , tre t de oo t r n m v n , m v , n a n a , t x fy o i r co ta n n , tre t ng de o i y ng or ne t a i e o i a y wa re pon i i g a i , t x f i u r l z , r n n y s nd to o , r Pa e 8 o 21 g f CG 1 0 02 1 T 0 9© 2017 Th
e Travelers Indemnity Company. All rights reserved.
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I L G NERAL IAB LI YE A E L I T
a se s the e f ct o , a be to ,s s f e s f s s s (3) o y u pe a i ns;f o r o r t o a be to fi e s o pro uct co t i i gs s s b r r d s n a n n pro i e ha : v d d t ta be to ; r s s s o (a) The ta e pl ce in th "co e a ek s a e v r g( ) bCl i o sui by o o be a f o a ya m r t r n h l f n te r t r " a d uri g t e p l cy pe i dr i o y n d n h o i r o ;go e n e t l a t o i y o a y o h rv r m n a u h r t r n t e (b) The e pe se a e i cu re a d re o t d tox n s r n r d n p r epe so o o ga i a i n or n r r n z t o f us wit i o e y a o the da e o theh n n e r f t fte ti g fo , m n t r ng cl a i g up,s n r o i o i , e n n n a dre o i g, con a ni g tre t ngm v n t i n , a i , de o i y ng o ne t a i i g o in a yt x f i r u r l z n , r n (c) The in ur d pe so subm t to e a i a i nj e r n i s x m n t o , wa re po di g to o a se sin they s n n , r s s g
e fe t o , a be to , a be to fi e s o a o t n s we re so a lf c s f s s s s s s b r r s f e a a n b y re ui e q r . pro uct co t i i g a be to .d s n a n n s s s b. We wi l m k th se pa m nt ol a e e y e s f s. Em l ymen -Rel t d P act c sp o t a e r i e fa l . The e pa m nt wi l no e ce d theu t s y e s l t x e a pl ca l li i o i sura ce We wi l pap i b e m t f n n . l y"Pe so a n ur " tor n l i j y : re so a l x e se f r:a n b e e p n s o(1) A e so ri in ut o nyp r n a s g o f a : (1) F rst a d a m ni te e a the ti e o ai i d i s r d t m f n (a) Re u a o e p o ha p rso ;f s l t m l y t t e n
(b) Te m na i n o tha pe so 'sr i t o f t r n (2) , X-ra a d y ne pl y e t rm o m n ; o de t l se v ce , n a r i s (c) Em l y e t re a ep o m n - l t d , ,
a t o o i si n, such a co rci n,c r m s o s e o (3) ho pi a , s t l de o i n, e a u ti n re ssi n e tm t o v l a o , a g m n , pro e si n l nu si g a d un r l se v ce .f s o a r n n f e a r i s di cip i e fa l re to pro o e ors l n , i u m t 2. Ex l si n c u o sa v nce ha a sm n , hum l a i nd a , r s e t i i t o , We wi l n t a e pe se fo "bo i y i j r ":l o p y x n s r d l n u ydi crim na i n, li e , sl nd r v o a i ns i t o b l a e , i l t o o th pe so 's rig t of e r n h f , a. An I su ed y n r
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de e t o o i p i o m n a p i d t ot n i n r m r s n e t p l e o r b H red P rso. i e na tha pe so , re a d e s ot t r n g r l s f whe he such ot r , , r To a pe so hi e to do wo k fo o o be a f or n r d r r r n h l f o i si n i a p i d o ism s o s p l e r a y i sure r t na t f ny i sure .n n d o a e n o a n d co m t e be o e duri g o a t r them i t d f r , n r f e c. In u y O N rma l O c p ed P em s sj r n o l y c u i r i eti e o t a e so 's e p o m nt rm f h t p r n m l y e ; o To a pe so in u e o th t pa t o pre i er n j r d n a r f m s s (2) The spo se chi d pa e t bro h r o sisteu , l , r n , t e r r y u o n o re t tha th pe so no m l yo w r n t e r n r a l o th t pe so a a co se u nce of a r n s n q e f
"pe so a i j ry to th t pe so a whor n l n u " a r n t m d Wo ke s' Co p n a i n An i il r L w. r r m e s t o d S m a a sa y o the e pl y e t re a en f m o m n - l t d To a pe so , whe he o no a "e pl y e or n t r r t n m o e " fde cri e in Pa a ra hs b d r g p (a), (b), or (c) a y i sure , i be e i s f r t e "bo i y i j r " a en n d f n f t o h d l n u y rabove is directed. pa a l o m st be pro i e und r a wo k r 'y b e r u v d d e r e sThi e cl si n a pl e w e he th in ure m ys x u o p i s h t r e s d a co p nsa i n o di a i i y be e i s la o am e t o r s b l t n f t w rbe l a l s a e p o e r n ny o hei b e a n m l y r o i a t r si i a a . m l r l wa d t a y o l ga i n to sha e da a e wi h on o n b i t o r m g s t r e. Ath et c c i iti sl i s A t v erepay someone else who must pay damages o he "pe so a nj ry .f t r n l i u " To a pe so i j re whi er n n u d l CO ERA E CV G o pa t ci a i g i a y phy ica e e ci e or r i p t n n n s l x r s s r– MED CAL P YMEN SI A T ga e , po t , o a h e i co te ts.m s s r s r t l t c n s1. In u in g e m ns r g A r e e t f. P o u ts-Co p e ed O era i n a ardr d c m l t p t o s H za. We wi l pa m d ca e pe se al y e i l x n s s In l d d wi hi the "pro uct -co p e ec u e t n d s m l t dbe o o "bo i y i j r " ca se b n cci e tl w f r d l n u y u d y a a d n :
o e a i n h z r ".p r t o s a a d(1) On p e i e y u o n r e tr m s s o w o r n ; g Co erag x l s o s. v e A E c u i n(2) On wa s ne t to pre i e y u o n o re ty x m s s o w r n ; or u d r o e a en e C v r gA.
CG 1 0 02 1 T 0 9 Pa e 9 o 21 g f© 2017 Th
e Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
Because
ac
cident
because
practice policy
privacy
malicious prosecution
directed
practice policy act
occurs,
accident;
regardless
accident;
Necessary medical, surgical
including prosthetic
devices; and
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practices
capacity
because
described
occupies.
practicing, instructing
Excluded
a o r e pe se by phy i i nt u x n , s c a s o o r ho cef u c i To any insured, except "volunteer workers".
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SU P EMEN ARY P YMEN SP L T A T a sum d by th in ure in th sa e "i sures e e s d e m n d co tr ct ; n a "1. We wi l pa , wi h to a y cl i wel y t n a m d. The a l ga i ns i th "sui " a d t e i f r a i nl e t o n e t n h n o m t oi v st ga e o se tl , o a y "sui " a a nst n i suren e i t r t e r n t g i a n d we k o a o t th "o cur e ce o o f n e a en w b u e c r n " r f e s rwe d fe d e n :
such th t no co fl ct a p a s to e i t be we na n i p e r x s t e a. A l e pe se we i curl x n s n . th i t re ts o the i sure a d the i t re ts oe n e s f n d n n e s f th i de n t ee n m i e ;b. Up to $2 50 fo th co t o ba l bo ds re u re, 0 r e s f i n q i d b ca se o a ci e ts o tra f c l w v o a i ne u f c d n r f i a i l t o s e. The in e n t e a d the i sure a k us tod m i e n n d s a i i g o t o the use o a y tor s n u f f n a d co t o th de e se o than n r l e f n f t th Bo i y Inj ry Li b l t Co e a e a p i s. Wee d l u a i i y v r g p l e i d m i e a a n t such "sui " a d a re than e n t e g i s t n g e t do no h v t h se bo ds.t a e o t e n we ca a si n th sa e co n e to de e d thn s g e m u s l f n e i sure nd th i d m i e ; ndn d a e n e n t e ac. The co t o bo ds to a ta hm n s, buts f n t c e t f. The i d m i e : n e n t e
o i sura ce We do no ha e to furn sh th sef n n . t v i e (1) Ag e s i w i i g or e n r t n t :
bo d . n s (a) Co p r t wi h us in th in e ti a i n,o e a e t e v s g t o d. Al re so a l e pe se by thel a n b e x n s se t e e t o d fe se o h "sui ";t l m n r e n f t e t i sure a o r re ue t to a sist us in then d t u q s s (b) Im e i t l se d us co i s o a ym d a e y n p e f ni v st ga i n o de e se o th cl i o "sui ",n e i t o r f n f e a m r t d m nd , no i e , sum o se o e ae a s t c s m n s r l g li cl di g l ss o e rn n s up to $5 0 an u n o f a i g 0 pa e s re e v d in wi h thep r c i e t "sui "; t
e. Al co rt co ts ta e a a nst th i sure in thel u s x d g i e n d (c) No i y an o h r insure who et f y t e r s "sui ". Ho e e , th se pa m nt do not w v r e y e s t co e a e i a a l b e to th i de n t ev r g s v i a l e n m i e ; a t rne s' fe s o a t rn y ' e pe se ta et o y e r t o e s x n s x d a d n a a nst h i sure .g i t e n d (d) Co p r t wi h us wi h too e a e t t f. Pre u g e t i t re t a a d d a a nst the co rdi a i g o he a pl caj d m n n e s w r e g i o n t n t r p i b e i sura cel n n i sure o tha pa t o th j d m n we pa . If a a l bl o tn d n t r f e u g e t y v i a e t he i de n t e nn m i e ; a d we m k a o f r to pa the a pl ca l li i oa e n f e y p i b e m t f (2) Pro i e u w t ri t n ut o i a i n tov d s s i h w t e a h r z t o :
i sura ce we wil no pa a y pre u g e tn n , l t y n j d m n (a) Ob a n a d o h r i f r a i nt i n t e n o m t oi te e t ba e o tha pe i d o ti e a t r then r s s d n t r o f m f e re a e t h "sui "; ndl t d o t e t ao fe . f r (b)g. Al i t re t o the fu l a o n o a y ju g e tl n e s n l m u t f n d m n i d m i e n uch "sui ".n e n t e i s tth t a t r e tr o th j d m n a da f e n y f e u g e t n So lo g a th a o e co d t o s a e m t a t r e s'n s e b v n i i n r e , t o n yb fo e we ha e pa d, o f r d to pa , oe r v i f e e y r fe s by us in th de e se o thae e f n f tde o it d in co rt th pa t o th ju g e t thap s e u e r f e d m n t i de n t e ne e sa y l t ga i n e pe sen m i e , c s r i i t o x n si w t i h a pl ca l l m t o n ura ces i h n t e p i b e i i f i s n . by us a d ne e sa y l t g ti n e p nse byn c s r i i a o x e sThe e pa m n s wi l no the l m ts os y e t l t i i f th i d m i e a o r re u st wi l be pa d ae n e n t e t u q e l i s. Su p e e t ry Pa m n s. No wi h ta d n thep l m n a y e t t t s n i g
2. If we de e d a i sure a a nst a "sui " a d af n n n d g i t n n pro i i n o Pa a ra hv s o s f r g p 2. . 2) b (of I – i d m i e o the in ure i a so na e a an e n t e f s d s l m d s Co e a e – Co e a ev r g s v r g A – Bo i y Inj ry And l u d to the "sui ", we wi l de e d tha i d m i e if a l ot l f n t n e n t e l f Pro e ty Da a e Li bi i y o Pa a ra hp r m g a l t r r g p 2. . eof th f l o i g e o l w n I – Co e a e – Co e a ev r g s v r g B – Pe so a r n l An Adv rt sin Inj ry Li bi i y such pa m nt wi ld e i g u a l t , y e s la. The "sui " a a nst the i d m i e se kt g i n e n t e e s no be de m d to be da a e fo "bo i y i j ry ,t e e m g s r d l n u "da a e fo the in ure ha a sum dm g s r s d s s e "pro e ty da a e o "pe so a in u y , a d wi l nop r m g " r r n l j r " n l tth l a i i y o th i d m i e in a oe i b l t f e n e n t e r re u e t e l m ts o n ura ced c h i i f i s n .a re m nt g e e b. Thi i sura ce a pl e t uch l a i i y a sum ds n n p i s o s i b l t s e Ou o l g t o to de e d a in ure ' in e n t er b i a i n f n n s d s d m i e by t e i sure ; h n d a d to pa fo a t rne s' fe s a dn y r t o y e n l t g ti n e pe se a Sup l m n a y Pa m n si i a o x n s s p e e t r y e tc. The o l ga i n to de e d o the co t o thb i t o f n , r s f e e ds wh n n e :de e se o , tha i d m i e , ha a so be nf n f t n e n t e s l e Pa e 10 o 21 g f CG 1 0 02 1 T 0 9© 2017 Th
e Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission. respect
v
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furnish
release
incurred
actual
conduct
connection
include
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respect
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incurred
incurred
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day because of time off from work.
Co du t a d co t o th de e se o t en c n n r l e f n f h conditions are met:
COMM RC
I L G NERAL IAB LI YE A E L I T
a. We ha e use up the a pl ca l l m t o wo k rs" whi e pe fo m ng duv d p i b e i i f r e l r r i ti s e in th pa m nt o j d m n s, re a e to the co d ct oe y e f u g e t l t d n u f y ur o se t e e t o m d ca x e se ; r bu i e s;t l m n s r e i l e p n s o s n s (b) To th spo se chi d pa e t, bro he oe u , l , r n t r rb. The co d t o s se fo t a o e o the te m on i i n t r h b v , r r s f si te o tha co "e pl y e os r f t - m o e " rth a r e e i a a ra he g e m n n P r g p f. a o e b v , "v l n e r wo k r" a a co se u nceo u t e r e s n q ea e n o ge e .r o l n r m t o a a r p f P r g a h(1) a) (a o e b v ;SE TI N I – WH S AN I SU EDC O I O I N R (c) F r whi h th re i a y o l ga i n too c e s n b i t o1. If y u re d si n t d n tho a e g a e i e sha e da a e wi h o re a so e ner m g s t r p y m oa. An in i i ua , y u a d y u spo se a ed v d l o n o r u r e se who m st pa da a e be a sel u y m g s c ui sure s, but o l wit to then d n y h o the in ur de cri e in Pa a ra hf j y s b d r g po usin ss o o re t e so e o n r.f a b e f y u a h l w e (1) a) (or (b) a o e r b v ; o b. A pa tn rshi o jo n v n ure y u a e ar e p r i t e t , o r n (d) Ari i g o t o hi o he pro i i g os n u f s r r v d n ri sure . Y ur m m e s, y u pa t e s, a dn d o e b r o r r n r n fa l ng to pro i e pro e sio a he l hi i v d f s n l a tth i spo se a e a so in ure s, bu o l wi he r u s r l s d t n y t ca e se v ce . r r i s Unl ss y u a e in th busin ss oe o r e e rc. A li i e l a i i y co pa y y u a e a i sure .m t d i b l t m n , o r n n d o cup ti n o pro i i g pro e sio a he l hc a o f v d n f s n l a tY u m m e s a e a so i sure s, bu o l wi ho r e b r r l n d t n y t ca e se v ce , Pa a ra hr r i s r g p s (1) a) (, (b), (c)to th o y ur busin ss. Y ue f o e o r a d n(d) a o e do no a pl to "bo i y i j r "b v t p y d l n u ym na e s a e i sure s, but o l wi h ta g r r n d n y t o a i i g o t o pro i i g o fa l n to pro i er s n u f v d n r i i g v dth i u i s a y ur a a e s.e r d t e s o m n g r fi st a d o "Go d Sa a i a se v ce " byr i r o m r t n r i s d. An o ga i a i n o he th n a pa t e shi , j i tr n z t o t r a r n r p o n a y o y ur "e pl y e " o "v l n e rn f o m o e s r o u t e v nt r o l m te l a i i y co p ny y u a e ae u e r i i d i b l t m a , o r n wo k rs", o h r tha a e p o e or e t e n n m l y d r v l n e r Any such "e pl y e " oo u t e m o e s r
a e in ure s, but o l wi h to th ir s d n y t e r "v l n e r wo k rs" pro i i g o fa l ng too u t e r e v d n r i i d ti s a y ur o . Y uu e s o r o r pro i e fi st a d o "Go d Sa a i av d r i r o m r t n st ck o d r a e a so i sure s, but o l wi ho h l e s r l n d n y t se v ce " du i g the r wo k ho rs fo y ur i s r n i r u r o wi l be de m d to be wi hi thel e e t n
sco e o the r e pl y e t by y u op f i m o m n o re. A tr st, y u a e a in ure . Y u tru te s a eu o r n s d o r s e r pe f r i g dut e re a e to the co d ct or o m n i s l t d n u fa so in ure s, but o l wit to th il s d n y h e r y ur usin ss.o b ed ti s a t u te s.u e s r s e
(2) "Pro e ty d m ge to pr p rt :p r a a " o e y2. f he fo l wi g i a so a i sure :o t l o n s l n n d (a) Own d, r se ye o u d b ;a. Y ur "v l n e r wo k rs" o l whi e pe fo m ngo o u t e r e n y l r r i (b) Re t d to in the custo y on e , , d rdu i s re a e to the o y ur busin ss,t e l t d f o e co tr l o , o o e whi h phy ican o f r v r c s lo y u "e pl y e ", o h r th n e t e y ur o r m o e s t e a i h r o r co tr l i b i g e e ci e fo a yn o s e n x r s d r n
pu po e b ; r s yo h r tha a pa t e shi , j i t v n u e o l m t dt e n r n r p o n e t r r i i e l a i i y co p ny o y u a a e s (i o re ai b l t m a ) r o r m n g r f y u a y u, a y o y u "e pl y e ", "v l n e ro n f o r m o e s o u t e l m te l a i i y co pa y , but o l foi i d i b l t m n ) n y r wo k rs", a y pa t e o m m e i o rer e n r n r r e b r ( f y u a wi hi the o the r e p o m n by y u ot n f i m l y e t o r a pa t e shi o jo n v n u e , o a yr n r p r i t e t r ) r n whi e pe f rm n du i s re a e to the co d ctl r o i g t e l t d n u m m e (i y u a e a li i e l a i i ye b r f o r m t d i b l t o y ur busin ss. Ho e e , no e o th sef o e w v r n f e co pa y . m n ) "e pl y e " o "v l n e r wo k rs" a em o e s r o u t e r e r b. An pe so (o he tha y ur "e pl y e oy r n t r n o m o e " ri sur d f r:n e s o "v l n e r wo k r"), o a y o g n z t o , whi eo u t e r e r n r a i a i n l (1) "Bo i y i j r " o "pe so a n ur ":d l n u y r r n l i j y a t n s y u e l e ta e m na e .c i g a o r r a s t a g r (a) To y u, to y u pa t e s o e be s (io o r r n r r m m r f c. An pe so o o g n z t o ha i g pro ey r n r r a i a i n v n p ry u a e a pa t e shi o j i t v n u e ,o r r n r p r o n e t r ) te po a y custo y o y ur pro e ty if y u di ,m r r d f o p r o eto y u m m e s (if y u a e a li i eo r e b r o r m t d bu nl : t o yl a i i y co p n ), to a co "e pl y ei b l t m a y - m o e " (1) Wit to li b l t a i i g o t o theh a i i y r s n u fwhi e in th o hi o hel e f s r r m i t na ce o se o t a r p rt ; a da n e n r u f h t p o e y ne pl y e t o pe fo m ng dut em o m n r r r i i s re a e to the o y ul t d f o r (2) Unt l y u l ga re r se t t v ha be ni o r e l p e n a i e s e bu i e s, o to y u o h r "v l n e r a po n e .s n s r o r t e o u t e p i t d CG 1 0 02 1 T 0 9 Pa e 11 o 21 g f© 2017 Th
e Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission. insurance
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d. Y u l g l re re e t t v if y u di , but o lo r e a p s n a i e o e n y b. Ari e o t o th o n r hi , m i te a ce os s u f e w e s p a n n n r wi h to duti s as such. Tha use o t a a t o ny pre i et e t f h t p r f a m s s l a e o y u.e s d t o re re e ta i e wi l ha e a l y u rig t a dp s n t v l v l o r h s n The i sura ce pro i e to such pre i e o ne ,n n v d d m s s w rdu i s un e hi Co e a e Pa tt e d r t s v r g r . m na e o l sso i to the fo l w nga g r r e r s l o i e. An pe so o o ga i a i n tha , wi h y u pro i io s:y r n r r n z t o t t o r v s n e pre s o im l e co se t, e t e use o isx s r p i d n n i h r s r a. The l m ts o i sura ce pro i e to suchi i f n n v d dre po sib e fo the use o a wa e cra t th t y us n l r f t r f a o pre i e o ne , m na e o le so wi l be them s s w r a g r r s r ldo no o n th t s:t w a i m n m m l m t th t y u gre d o p o i e i hei i u i i s a o a e t r v d n t (1) 50 fe t o g r e s; a d wri t n o a r e e t, o the le l n o l s n t e r g e m n r i i s m t sho n i he ra i ns, hi e a e l ss.w n t t o w v r r e(2) No be ng use to ca ry a y pe so ot i d r n r n r pro e ty f r .p r o a b. The in ura ce pro i e to such pre i es n v d d m s s o ne , m na e r e so o s no a pl t :w r a g r o l s r d e t p y o3. An o g n z t o y u ne l o fo m o h ry r a i a i n o w y r r , t e th n a pa t e shi , jo n v nt r o l m t d l a i i ya r n r p i t e u e r i i e i b l t (1) An "bo i y in u y o "pro e ty da a ey d l j r " r p r m g " co p ny a d o y u a e t e so e o n r o i th t o cur , o "pem a , n f o r h l w e r n a c s r rso a a d a v rti in l n d e s ng y u m i t i a o ne shi in e e t o m r i j ry ca se byo a n a n n w r p t r s f o e n u " u d a o fe se tha in f n t s th n 50 , wi l qu l fy a a Na e nsure f t e e i co m t e , ft r oa % l a i s m d I d i h r s m i t d a e y u to be t na t n a e n i no o h r sim l r in ura ce a a l bl to tha th t re i e ; rt e i a s n v i a e t a p m s s o o ga i a i n o e e :r n z t o . H w v r (2) St u tu a a te a i ns, ne or c r l l r t o w r a. Co e a e und r thi pro i i n i a f rde o l de o i i n o e a iv r g e s v s o s f o d n y m l t o p r t o s pe fo m dn r r e by o o r n un i th 180t da a t r y u o fo m th be a f o such p e i e ot l e h y f e o r r e h l f r m s s wn r, m na e re a g r o o ga i a i n o the e d o the pe i d, l sso .r n z t o r n f r o e r
5. An pe so o o g n z t o th t is a e ui m nty r n r r a i a i n a n q p e b. Co e a e v r gA do s no a pl to "bo i y in u y o l sso nd t a o a ee t p y d l j r " r e r a h t y u h v gr e i w i t n coa e d n a r t e ntr ct a "pro e ty da a e th t be o e y u o a re m nt to in l dp r m g " a f r o r g e e c u e a a a d t o as n d i i n l i sure o n d n i e r f rm d he o ga i a i n nd th s Co e a e Pa t is au r d o o e t r n z t o ; a i v r g r n i sure , bu n d t o l wi h n y t re pe t to l a i i y fo "bo i y i j ry , "pro e tys c i b l t r d l n u " p rc. Co e a e v r gB do s no a p y to "pe so a a de t p l r n l n da a e , r "pe so a nd a v rt si g i j ry th t:m g " o r n l a d e i n n u " aa v rt sin i j ry a i i g o t o a o f n ed e i g n u " r s n u f n f e s co m t e be o e y u a q i e o fo m d them i t d f r o c u r d r r e a. Is "bo i y i j ry o "pro e ty da a e th td l n u " r p r m g " a o ga i a i n o cur , o i "pe so a a d a v rt si g in u yr n z t o . c s r s r n l n d e i n j r " ca se by a o fe se tha is co m t e ,u d n f n t m i t dF r th pu po e o Pa a r po e r s s f r g a h 1. o Se t o f c i nII – subse u nt to the si n ng o tha co tr ct oq e g i f t n a rWho Is An In ure , e ch such o ga i a i n wi l bes d a r n z t o l a re m nt a dg e e ; nde m d o b e ig a e n t ee e t e d s n t d i h b. Is ca se , in who e o i pa t, by y u a ts ou d l r n r o r c r a. An o g n z t o , o he tha a pa t e shi , jo nr a i a i n t r n r n r p i t o i si n in the m i t n nce o e a i n o usem s o s a n e a , p r t o rv nt r r i i e i bi i y co pa y re u e o l m t d l a l t m n ; o o e u pm n l a e to y u by such e u p e tf q i e t e s d o q i m n l sso . e rb. A rust; t
The in ura ce pro i e t such qu p e t l sso ss n v d d o e i m n e r ia e in it na e o the do um nt thas t d s m r c e s t subj ct to t e fo l wi g p o i i n :e h l o n r v s o sgo e n i s str ct rev r t u u . a. The l m ts o i sura ce pro i e to suchi i f n n v d d4. An pe so o o g n z t o th t i a pre i ey r n r r a i a i n a s m s s e ui m n e so w l e t e m n m m l m t t aq p e t l s r i l b h i i u i i s h to ne , m n g r o l sso a d th t y u ha e a re dw r a a e r e r n a o v g e y u a r e to pro i e i the wri te co tr ct oo g e d v d n t n n a r i a wri t n co t a t o a re m nt to i cl d a an t e n r c r g e e n u e s n a re m nt o the li i s sho n i thg e e , r m t w n e a di i n l in ure o th s Co e a e Pa t is ad t o a s d n i v r g r n De l ra i ns, hi h v r a e l ss.c a t o w c e e r e i sure , but o l wit re pe t to li b l t fo "bo i yn d n y h s c a i i y r d l b. The i sura ce pro i e to such e u p e tn n v d d q i m ni j ry , "pro e ty da a e o "pe so a a dn u " p r m g " r r n l n l sso do s no a pl to a y "bo i y i j ry oe r e t p y n d l n u " ra v rt sin n ur " th t:d e i g i j y a "pro e ty da a e th t o curs, o "pe so ap r m g " a c r r n l a. Is "bo i y i j ry o "pro e ty da a e th t a d a v rt sin in ur " cad l n u " r p r m g " a n d e i g j y u e by a o fe ses d n f n th t i co m t e , a t r the e ui m nt l a ea s m i t d f e q p e e soccurs, or is "personal and advertising injury" e pi e . x r sca se by a o fe se tha is co m t e ,u d n f n t m i t d subse u nt to the si n ng o tha co tr ct oq e g i f t n a r No pe so o o ga i a i n is a in urer n r r n z t o n s d a re m nt a dg e e ; n th co du t o a y curre t o pa t pa t e shi , jo ne n c f n n r s r n r p i t Pa e 12 o 21 g f CG 1 0 02 1 T 0 9© 2017 Th
e Travelers Indemnity Company. All rights reserved.
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a Na e In ure in the ra i n . Thi pa a ra h Pre i e Re tm d s d a t o s s r g p m s s n e To Y u Li i i thd o m t n e do s no a pl to a y such pa t e shi , jo n v nt re o De rae t p y n r n r p i t e u r t o s o hi Co e a e Pai n f t s v r g rt o ; r l m te l a i i y co pa y tha o h rwi e qua i i s a ai i d i b l t m n t t e s l f e s n b. $3 0 0 0 if no a o nt i sho n fo the0 , 0 m u s w r Da a e To Pre i e Re t d To Y u Li i im g m s s n e o m t n SE TI N I I – L MIT F I S RAN EC O I I S O N U C
7. Su j ct to Pa a r pb e r g a h 5. a o e the M d cab v , e i l1. The Li i s o Insura ce sho n i thm t f n w n e Ex e se Li i i th m st we wil pa und rp n m t s e o l y ea d th rul s be o fi the m st we wi l pan e e l w x o l y Co e a e v r gC fo a l m di e p nse be a se or l e x e s c u fr ga d e s o he nu be f:e r l s f t m r o "bo i y i j r " su ta n d y a y o e p rso .d l n u y s i e b n n e na. In ure s; s d The Li i s o Insura ce o thi Co e a e Pa t a plm t f n f s v r g r p y b. Cl i s m de o "sui s" bro gh ; oa m a r t u t r se a a e y to e ch co se ut v a n a pe i d a d to a yp r t l a n c i e n u l r o n n re a ni g pe i d o l ss th n 12 m nt s, sta t n wi hm i n r o f e a o h r i g tc. Pe so s o o ga i a i n m k ng or n r r n z t o s a i r th be i n n o the po i y pe i d sho n i thee g n i g f l c r o w nbri g ng "sui s".n i t De ra i ns, un e s the po i y pe i d is e t nd d a t rt o l s l c r o x e e f e2. The Ge e a Agg e a e L m t m st e wi l p yn r l r g t i i i o w l a i sua ce fo a a di i n l pe i d o le s th n 12s n r n d t o a r o f s afo he sum o :r t f m nt s. In th t ca e th a d t o a pe i d wi l beo h a s , e d i i n l r o l a. M di a x e se un e o e a ee c l e p n s d r C v r gC; de m d pa t o h l st re i g e i d o urp se oe e r f t e a p n p r o f r p o s f de e m n ng th L m ts o nsura cet r i i e i i f I n .b. Da a e unde Co e a em g s r v r g A, e ce t da a ex p m g s o "bo i y i j ry o "pro e ty da a ef d l n u " r p r m g " SE TI N I – CO MERCIAL G N RAL L AB L TYC O V M E E I I I i cl d d in th "pro uct -co p e e o e a i nsn u e e d s m l t d p r t o CO D TI N N I O S ha a d ; nd z r " a 1. B n ru tcy a k p
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3. The Pro u ts-Co pl t d Ope a i ns Aggr g ted c m e e r t o e a i sure ' e ta e wi l no re i v us o o r o l ga i nn d s s t l t l e e f u b i t o s Li i i th m st we wi l pa un e Co e a em t s e o l y d r v r g A for un e hi Co e a e Pa td r t s v r g r . da a e o "bo i y in u y a d "pro e tym g s f d l j r " n p r 2. D ti s In T e vent O cc rren e O f n e,u e h E f O u c , f e sda a e i cl de i the "pro uct -co p e em g " n u d n d s m l t d Cla m r S i i O u to e a i n h z rd .p r t o s a a " a. Y u m st se to i th t we a e no i i d a so no u e t a r t f e s o4. Su j ct to Pa a r pb e r g a h 2. a o e th Pe so a Andb v , e r n l a pra a l o a o a o f n es b e f n " r n f e sAd e t si g In u y Li i is the m st we wi l pav r i n j r m t o l y whi h m y re ul i a cla m To the e t nc a s t n i . x e tun e Co e a ed r v r g B fo the sum o a l da a er f l m g s po si l , sho ls b e u dbe a se o a l "pe so a i j ry a d "a v rt sinc u f l r n l n u " n d e i g (1) Ho , whe a d whe e the e ce ow n n r r n " ri j ry susta n d y a y o e pe so r r a i a i nn u " i e b n n r n o o g n z t o . o fe se t o l cef n o k p a ;5. Su j ct to Pa a r pb e r g a h 2. or 3. a o e b v , (2) The na e a d a dr sse o a y in ur dm s n d e s f n j ea pl e , the Occurr n e Li i i th m st wep i s e c m t s e o pe so s a d i n sse ; ndr n n w t e s awi l p y fo he sum o :l a r t f (3) The na ur a d l ca i n o a y i j ry ot e n o t o f n n u ra. Da a e u d r Co e a em g s n e v r g A; nd a da a e a i i g o t o th e ce om g r s n u f e r n " rb. M di a x e se un e o e a ee c l e p n s d r C v r gC; o fe se f n . be a se o a l "bo i y i j ry a d "pro e ty da a ec u f l d l n u " n p r m g " b. If a cl i i m de o "sui " i bro g t a a nsta m s a r t s u h g ia i i g o t o a y o e "o cur e ce .r s n u f n n c r n " a y i sure , y u u t:n n d o m s F r the pur o e o de e m ni g the a pl ca lo p s s f t r i n p i b e (1) Im e i t l re d th o them d a e y e fEa h Occurr n e Li i , a l re a e oc e c m t l l t d r cl i r "sui " a d he da e r ce v d nda m o t n t t e i e ; ao i si n co m t e i pro i i g o fa l ng tom s o s m i t d n v d n r i i (2) No i y us a so n a pr ct ca l .t f s o s a i b epro i e fi st a d o "Go d Sa a i a se v ce " tov d r i r o m r t n r i s a y o e pe so wi l be de m d to be o en n r n l e e n Y u m st se to i tha e r ce v ri t n o u e t t w e i e w t e "o cur e ce . c r n " o h cl i o "sui " a so n af t e a m r t s o s
6. Su j ct to Pa a r pb e r g a h 5. a o e th Da a e Tob v , e m g c. Y u a d ny o he n o v d n ure m st:o n a t r i v l e i s d u Pre i e Re t d To Y u Li i i the m st we wilm s s n e o m t s o l (1) Im e i t l se d us co i s o a ym d a e y n p e f npa und r Co e a ey e v r g A fo da a e or m g s f de a d , , sum o se o le am n s m n s r g l"pre i e da a e to a y o e pre i e . Them s s m g " n n m s s pa e s re v d in co ne n wit thp r e n h eDa a e To Pre i e Re t d To Y u Li i w l em g m s s n e o m t i l b : cl i r "sui ";a m o t CG 1 0 02 1 T 0 9 Pa e 13 o 21 g f© 2017 Th
e Travelers Indemnity Company. All rights reserved.
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(2) Au h ri e us to o ta n a d o h rt o z b i n t e (i i i )An o f ce o of i r r f i f rm t o ; a y o h r r a i a i n rn o a i n n t e o g n z t o ; o (3) Co p r t wi h us i th in e ti a i n oo e a e t n e v s g t o r ( v) iA ruste f ny t u t;t e o a r s se t e e t o the cl i o de e se a a nstt l m n f a m r f n g i th t is y u pa t e , jo n v n u ea o r r n r i t e t rth "sui "; nde t a m m e , m na e o ru te ; re b r a g r r t s e o (4) Assi t us, upo o r re ue t, i thes n u q s n (b) An e p o e a t o i e by suchy m l y e u h r z de fo ce e t o a y ri h a a n t a yn r m n f n g t g i s n pa t e shi , j i t v n ure li i er n r p o n e t , m t dpe so o o ga i a i n m y be l a lr n r r n z t o a i b e l a i i y co p ny trust or ot ei b l t m a , h rto th i sure o in u y o da a ee n d f j r r m g o ga i a i n to gi e o ar n z t o v f nto wh ch hi i sura ce m y a so a p yi t s n n a l p l . o o fe se " r f n . d. No in ure wi l e ce t a th t in ure 's o ns d l , x p t a s d w (3) to us o such of rco t, v l nt ri y m k a pa m n , a sum a ys o u a l a e y e t s e n o fe se wi l be de m d to be gi e a so nf n l e e v n s oo l g ti n o a y e pe se o h r tha fob i a o , r n x n , t e n r a pra ti a l i it is gi e i go d fa th as c c b e f v n n o i sfi st i , wi h u o r r a d t o t u so n a pra ti a l to y u wo k r 'o s c c b e o r r e s co p nsa i n in ure . Thi a p i s o l ifm e t o s r s p l e n ye. The fo l wi g pro i io s a p y to Pa a ra hl o n v s n p l r g p a. y u subse ue tl gi e no i e to us o theo q n y v t c fa o e bu o l fo pur o e o th in ura ceb v , t n y r p s s f e s n "o cur e ce o o fe se a so n ac r n " r f n s o spro i e un e t i Co e a e Pa t o y u o a yv d d d r h s v r g r t o r n pra t ca l a t r a y o th pe so sc i b e f e n f e r ni sure l ste i Pa a r pn d i d n r g a h 1. or 2. o Se ti n f c oII de cri e in Pa a ra hs b d r g p e. 1 ( )or (2) a o e b v– Who I A nsure :s n I d di co e s tha th "o cur e ce o o fe ses v r t e c r n " r f n (1) No i e to us o such ot c f r m y re ul in sum to whi h the in ura cea s t s c s n o fe se m st be gi e a so n af n u v n s o s pro i e un e th s Co e a e Pa t m yv d d d r i v r g r a pra l o l a t r th e ce ob e n y f e e r n " r a pl . p y o fe se is k o n to y u (i y u a e af n n w o f o r n Ho e e , i thi po i y i cl de a e do se e tw v r f s l c n u s n n r m ni d v du l , a y o y u pa tn rs orn i i a ) n f o r r e th t pro i e li i e co e a e fo "bo i y i j rya v d s m t d v r g r d l n u "m m e s who i a in i i u l (if y u a e ae b r s n d v d a o r o "pro e ty da a e o po l ti n co ts a i i gr p r m g " r l u o s r s npa t e shi o jo n v n ure , a y o y ur n r p r i t e t ) n f o r o t o a di cha ge re e se o e ca e ou f s r , l a r s p fm na e s who is a in i i u l (i y u a e aa g r n d v d a f o r "po l t n s" whi h co t i s a re ui e e t thal u a t c n a n q r m n tl m te li b l ty co p n ), a y o y ui i d a i i m a y n f o r th di cha ge re e se o e ca e o "po l t n s"e s r , l a r s p f l u a t"e e u i e o f ce s" o (i y u a ex c t v f i r r f o r m st be re o te to us wi h n a spe i i n m eu p r d t i c f c u b ra o g n z t o o h r tha a pa t e shi ,n r a i a i n t e n r n r p o da s a t r i s a ru t co m n e e t, th sf y f e t b p m e c m n i j i t v nt re o li i e l a i i y co pa y ,o n e u , r m t d i b l t m n ) Pa a r p r g a he. do s n t a fe t t a e u re e t.e o f c h t r q i m n a y o y ur tr ste s who is a i d v du l (ifn f o u e n n i i a 3. L g l c i n Ag i s se a A t o a n t Uy u a e a trust) o a y "e pl y eo r r n m o e " No pe so o o g n z t o ha a ri h und r th sr n r r a i a i n s g t e ia t o i e by y u to gi e no i e o au h r z d o v t c f n Co e a e P rt v r g a :"o cur e ce o o fe sec r n " r f n . a. To jo n us a a pa t o o h r i e bri g us i ti s r y r t e w s n n o(2) If y u a e a pa t e shi , jo n v n ureo r r n r p i t e t , a "sui " a ki g o d m ge f o n n ure ; ot s n f r a a s r m a i s d rl m te li b l ty co pa y o tru t, a d no ei i d a i i m n r s n n b. To sue us o th s Co e a e Pa t unl ss a l on i v r g r e l fo y ur pa t e s, jo n v nt r m m e s,f o r n r i t e u e e b r i s t rm ha e be n u l co p i d i ht e s v e f l y m l e w t .m na e s o t u te s a e i di i u l , o i ea g r r r s e r n v d a s n t c to us o such "o cur e ce o o f nse m stf c r n " r f e u A pe so o o ga i a i n m y sue us to re o e or n r r n z t o a c v r n be gi e a so n a pra ti a l o l a t rv n s o s c c b e n y f e a a r e se t e e t o o a fi a ju g e t a a nstn g e d t l m n r n n l d m n g i th "o cur e ce o o fe se i k o n ye c r n " r f n s n w b : a in ure ; but we wil no be li b e fo da a en s d l t a l r m g s th t a e no pa a l und r th te m o th sa r t y b e e e r s f i(a) An nd v du l w o i :y i i i a h s Co e a e Pa t o tha a e i e ce s o thev r g r r t r n x s f (i) A pa t e o m m e o a yr n r r e b r f n a pl ca l l m t o in ura ce An a r e se tl m np i b e i i f s n . g e d t e e t pa t e shi r o n e t r ;r n r p o j i t v n u e m a s a se tl m n a d e e se o i b l t ig e ye n t e e t n r l a f l a i i y s n d b us, the i sure , a d the cl i a t o th cla m n 'n d n a m n r e i a t s(i ) iA m na e o a y l m te l a i i ya g r f n i i d i b l t l ga e r se ta i ee l r p e n t v .co p ny m a ; Pa e 14 o 21 g f CG 1 0 02 1 T 0 9© 2017 Th
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4. O h r n u an e ( it e I s r c i ) Tha i in ura ce fo "pre i et s s n r m s s da a e ; m g "If v l d a d co l cti l o h r i sura ce is a a l bl oa i n l e b e t e n n v i a e t ( i ) i iIf th lo s a i e o t o thee s r s s u fth i sure fo a lo s we co e unde Co e a ee n d r s v r r v r g s A m i t na ce o use o a rcra ta n e n r f i f ,or B o th s Co e a e Pa t o r o l g t o s a ef i v r g r , u b i a i n r "a t s" o wa e cra t to the e t ntu o r t r f x el m te a de cri e i a a ra hi i d s s b d n P r g p s a. a d nb. be o . l w no subj ct to a y e cl sio i th st e n x u n n iAs use a y he e in th s Co e a e Pa t o h rd n w r i v r g r , t e Co e a e Pa t th t a pl e tov r g r a p i si sura ce m a s in ura ce o th fun i g on n e n s n , r e d n f a rcra t "a t s" o w t rcra ti f , u o r a e f ;l sse , ha s p o i e y hr u h o o b ha f o :o s t t i r v d d b , t o g r n e l f (i ) vTha is in ura ce a a l bl to at s n v i a e(i) An t e i sura ce co pa yo h r n n m n ; pre i e ow e , m na e orm s s n r a g r (i ) iUs o n f ur ff l a e n ura ce co pa i s,r a y o o a i i t d i s n m n e l sso th t qua i i s a a in uree r a l f e s n s d e ce t whe th No cum l t o ox p n e n u a i n f un e Pa a ra hd r r g p 4. of II – Occurr n e Li i pro i io o Pa a ra he c m t v s n f r g p 5. of Who Is An Insure , e ce t whed x p n III – Li i s Of Insura ce o th Nom t n r e n Pa a r p r g a hd. be o pp i s; rl w a l e o cum l ti n o Pe so a a d Adv rt sin In uru a o f r n l n e i g j y (v) Tha is i sura ce a a l b e to at n n v i a l nLi i pro i io o Pa a ra hm t v s n f r g p 4. of III – e ui m n l sso th t qua i i s aq p e t e r a l f e sLi i s o In ura ce a p i s thm t f s n p l e e a in ure unde Pa a r pn s d r r g a h 5. ofAm n m n – No Cum l t o Of e d e t n u a i n II – Who Is An Insure , dOccurr n e Li i Of Li bi i y And Noe c m t a l t n e ce t whe Pa a ra hx p n r g p d. be o l wCum l t o Of Pe so a A d Ad e t si g Inj ryu a i n r n l n v r i n u a pl e . p i sLi i e do se e t i i cl de n thm t n r m n s n u d i i ; (b) An o the o h r i sura ce whe hey f t e n n , t r(i i i )An i k e e ti n gro p; oy r s r t n o u r pri a y e ce s, co t n e t o o a ym r , x s n i g n r n n o h r ba is, tha i a a l bl to tht e s t s v i a e e(iv) Any self-insurance method or program, in i sure whe the i sure is an d n n d nwhich case the insured will be deemed to be th p o i e f o h r i sura ce a di i n l i sure , o is a y oe r v d r o t e n n . d t o a n d r n th r e i sure tha do s no qu l fy a an d t e t a i sOt e in ura ce do s no in l d um re lh r s n e t c u e b l a na e i sure , un e such o h rm d n d d r t ei sura ce o e ce s in ura ce th t wa bo g tn n , r x s s n , a s u h i sura ce n n .spe i i a l to a p y in e ce s o th Li i s oc f c l y p l x s f e m t f (2) Whe th s i sura ce i e ce s, we wiln i n n s x s lIn ura ce sho n in the o th ss n w f i ha e no dut und r Co e a ev y e v r g s A or B toCo e a e P rt v r g a . de e d th i sure a a nst a y "sui " i a yf n e n d g i n t f nAs use a y he e in th s Pa t o h rd n w r i r , t e o h r in ure ha a du y to de e d thet e s r s t f ni sure m a s a pro i e o o h r in ura ce Asn r e n v d r f t e s n . i sure a a n t tha "sui ". If no o h rn d g i s t t t euse in Pa a ra hd r g p c. be o , in ure m a s al w s r e n i sure de e d , we wi l un e t k t o son r f n s l d r a e o d ,pro i e f n ura cev d r o i s n . bu we wi l b nt t e t h i sure ' ri h st l e e i l d o t e n d s g t a a nst l h se o h r nsur r .g i a l t o t e i e sa. P i ary I su an er m n r c (3) Whe thi in ura ce i e ce s o e o h rn s s n s x s v r t eThi insura ce is pri a y whes n m r n i sura ce we wi l pa o l o r sha e o then n , l y n y u r fPa a r p r g a hb. be o a pl e . If th s i sura ce il w p i s i n n s a o nt o the lo s, i a y th t e ce d them u f s f n , a x e spri a y o r o l g ti n a e no a f cte un e sm r , u b i a o s r t f e d l s sum o : fa y o th o h r i sura ce is a so pri a yn f e t e n n l m r . (a) The to a a o nt tha a l such o h rt l m u t l t eThe , we wi l sha e wi h a l t a o he n ura cen l r t l h t t r i s n i sur n e wo l pa fo th lo s i thn a c u d y r e s n eby t e m th d e cri e n Pa a r ph e o d s b d i r g a h c. be o , l w a se ce o hi i sura ce nb n f t s n n ; a de ce t h n a a ra hx p w e P r g p d. be o pp i s. l w a l e (b) The to a o a l a d se ft l f l n l -b Ex e s I s ran e. c s n u c i sure a o nt unde a l th t o h rn d m u s r l a t e
(1) Thi i sura ce i e ce s o e :s n n s x s v r i sur n e n a c . (4) We wi l sha e the re a n ng l ss, if a yl r m i i o n ,( ) aAn o the o he in ura ce whe hey f t r s n , t r wi h a y o he in ura ce th t i not n t r s n a s tpri a y e ce s, co t n e t o o a ym r , x s n i g n r n n de cri e in thi Ex e s Insura ces b d s c s no h r b si : t e a s pro i i n a d wa no bo g t spe i i a l tv s o n s t u h c f c l y o( ) iTha is Fi e Ex e d d Co e a et r , t n e v r g , a pl i e ce s o the Li i s o In ura cep y n x s f m t f s nBu l e ' Ri k In ta l t o Risk oi d r s s , s l a i n r sho n i th r t o s o thi Cov r gw n e a i n f s e a e Pa t r .
CG 1 0 02 1 T 0 9 Pa e 15 o 21 g f© 2017 Th
e Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
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c. Meth d O h rin a.o f S a g The sta e e t in th a et m n s e r a cura e a d co p e ec t n m l t ;If a l o the o he i sura ce pe m t co t i ut ol f t r n n r i s n r b i n by e u l sha e , w i l fo l w t i m t o l oq a r s e w l l o h s e h d a s . b. Tho e sta e e ts a e ba e upos t m n r s d n Und r th s e ch in ure co t i ut s re re e t ti n y ue i a s r n r b e p s n a o s o a e to us; nm d a d e ua a o n s unt l it ha pa d it a pl ca lq l m u t i s i s p i b e c. We ha e i sue th s po i y i re i n e up nv s d i l c n l a c o l m t o in ura ce o no e o th l ss re a ns,i i f s n r n f e o m i y ur e re e ta i ns.o r p s n t o The uni te ti n l o i sio o , o uni t n i na e ron n o a m s n f r n e t o l r r If a y o th o h r i sura ce do s no pe m tn f e t e n n e t r i i , a y i f rm ti n pro i e by y u whi h we re i dn n n o a o v d d o c l e co tr bu i n by e u l sha e , we wi l co t i utn i t o q a r s l n r b e up n i issui g th s po i y wi l no pre u i e y uo n n i l c l t j d c o r by l m t . Und r th s m t o , e ch i sure 'si i s e i e h d a n r ri ht unde th s in ura ce Ho e e , thi pro i i ng s r i s n . w v r s v s o sha e is ba e o the ra i o i s a p i a l i ir s d n t o f t p l c b e l m t do s no a f ct o r ri h to co l ct a di i n le t f e u g t l e d t o a o in ura ce to th to a a pl ca l li i s of s n e t l p i b e m t f pre i m o to e e ci e o r rig t o ca ce l t o om u r x r s u h s f n l a i n r i sura ce o l nsure s.n n f a l i r no re e a i cco d nce w t pp i a l n ura cen n w l n a r a i h a l c b e i s n d P i a y And No -Co trib t ry In u an e If. r m r n n u o s r c l ws o e ul t o s.a r r g a i n Req i ed B Wri te o tracu r y t n C n t 7. Se arat o f n u edp i n O I s r s If y u spe i i a l a re i a wri t n co t a t oo c f c l y g e n t e n r c r Ex e t wi h re pe t to the Li i s o In ura ce a dc p t s c m t f s n , n a re m nt tha the i sura ce a fo d d to ag e e t n n f r e n a y ri h s o du i s a sig e i th sn g t r t e s n d n i i sure un e hi Co e a e Pa t m st p l nn d d r t s v r g r u a p y o Co e a e Pa t to the fi st Na e Insure , th sv r g r r m d d i a pri a y ba i , o a pri a y a d no -m r s s r m r n n i sura ce a pl e :n n p i s co tr bu o y ba is, th s i sura ce is pri a y ton i t r s i n n m r a. As i e ch Na e In ure we e the o lf a m d s d r n yo h r in ura ce th t i a a l bl ot e s n a s v i a e t Na e n ure ; ndm d I s d awhi h o e s such n ure a a n m d i sure ,c c v r i s d s a e n d b. Se a a e y to e ch in ure a a n t who cl ip r t l a s d g i s m a ma d we wil no sha e wi h th t o h r in ura cen l t r t a t e s n , i m d o "sui " i b o g ts a e r t s r u h .pro i e ha : v d d t t
8. Tra sfe O i h s O e o ery Ag i s t ersn r f R g t f R c v a n t O h(1) The "bo i y i j ry o "pro e ty da a e fod l n u " r p r m g " r To Uswhi h co e a e i so gh o cur ; ndc v r g s u t c s a If the i sure ha ri h s to re o e a l o pa t o a yn d s g t c v r l r r f n(2) The "pe so a a d a v rt sin i j ry for n l n d e i g n u " r pa m n we ha e m d unde thi Co e a e Pa ty e t v a e r s v r g r ,whi h co e a e is so gh i ca se by ac v r g u t s u d n th se ri ht a e tra sfe re t us. he i sure usto g s r n r d o T n d mo fe se t a i co m t e ;f n h t s m i t d do no h ng a te l ss to i p i th m At o r re u st,t i f r o m a r e . u q esubse u nt to the si n ng o tha co tr ct oq e g i f t n a r th i sure wi l bri g "sui " o tra sfe tho e ri h se n d l n t r n r s g ta re m nt by y ug e e o . to us a d h l s e f rce t e .n e p u n o h m
5. P e i m Au ir m u d t 9. Wh n We D N t en we o o R e a. We wi l co p t a l p e i m f r h s Co e a el m u e l r m u s o t i v r g If we d ci e n t o r n w h s Co e a e P rt e wi le d o t e e t i v r g a , w lPa t i cco d nce w t ur u e a d a e .r n a r a i h o r l s n r t s m i o de i e to th fi st Na e In ure sho n ina l r l v r e r m d s d w b. Pre i m sho n in th s Co e a e Pa t am u w i v r g r s th De l ra i n wri te no i e o the no r n wae c a t o s t n t c f n e e l a v nce pre i m i a de o i pr m um o l . Ad a m u s p s t e i n y t no l ss th n 0 da s be o e t e e pi a i n da et e a 3 y f r h x r t o t . th clo e o e ch a d t pe i d we wi l co p te s f a u i r o l m u e If no i e is m i e , pro f o m i i g wi l be suffi i nt c a l d o f a l n l c e tth e rn d pre i m fo th t pe i d a d se de a e m u r a r o n n pro f f o i e o o n t c .no i e t th fi st Na e I sure . The du da et c o e r m d n d e t SE TI N V – D F N T O SC O E I I I Nfo a di a d re ro pe ti e p e i m i t e d tr u t n t s c v r m u s s h a e
1. "shown as the due date on the bill. If the sum of Ad e t se e t" m a s a no i e th t s br a ca t ov r i m n e n t c a i o d s r pu l she to the ge e a pub i o spe i i m rb i d n r l l c r c f c athe advance and audit premiums paid for the k t e po i y pe i d is gre te tha the e rn dl c r o a r n a e se m nt a o t y ur go ds, pro u ts o ser i eg e s b u o o d c r v c s fo th purp se o a t a g custo e s or e o f t r m r rpremium, we will return the excess to the first Na e nsure . supp rt r . o h p r o e o hi de i i i nm d I d o e s F r t e u p s s f t s f n t o :
c. The fi st Na e In ure m st k e re o d or m d s d u e p c r s f a. No i e th t a e publ she i cl de m t r at c s a r i d n u a e i l th in o m t o we ne d fo pre i m pl ce o the Int rn t o oe f r a i n e r m u a d n e e r n sim l r i a co p t ti n a d se d us co i s a such t m sm u a o , n n p e t i e m a s o co m ni a i n; a de n f m u c t o n a we m y re u st.s a q e b. Re a di g we sit s, o l tha pa t o a we si eg r n b e n y t r f b t
6. Rep es n ati nr e t o s th t is a o t y u go d , pro u ts o se v cea b u o r o s d c r r i s fo th pur o e o a t a custo e s or e p s s f t r m r rBy ti g t i p l cy o gre :p n h s o i , y u a e supp rt r i co si e e a a v rt se e to e s s n d r d n d e i m n .
Pa e 16 o 21 g f CG 1 0 02 1 T 0 9© 2017 Th
e Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission. approach
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2. "Ad e t si g i j ry :v r i n n u " b. In by o wit a y o he e e o i m a s o, r h n t r l n c e n f co m n ca i n such a th In e n t, if tham u i t o , s e t r e ta. M a s in ur ca se by o e o m re o thee n j y u d n r o f m te i l i p r f:a r a s a t ofo l wi g o fe se :l o n f n s (1) Ra i o te e i i n pro r m i g be ngd o r l v s o g a m n i(1) Ora o writ e a i n incl di gl r t n t o , u n tr n m t e ; a s i t dpu l ca i n by e e o i m a s, o m t ri lb i t o l n c e n f a e a i y ur "a v rt se e t th t sla d rs on o d e i m n " a n e r (2) Ot e en e ta n e t e uca i n lh r t r i m n , d t o a ,l b l a pe son or or a i a i n ori e s r g n z t o i structi n l m si o ne s pro r m i gn o a , u c r w g a m ndi pa a e a pe so ' o o ga i a i n ss r g s r n s r r n z t o ' be n ra sm t e ; oi g t n i t d rgo ds, pro u ts o se v ce , pro i e thao d c r r i s v d d t th cla m i m d o he "sui " i b o g t bye i s a e r t t s r u h (3) Ad e t si g tra sm t e wi h a y o suchv r i n n i t d t n f a pe so o o g ni a i n h t cl i s to ha er n r r a z t o t a a m v pro ra m n . g m i g be n sla d re o li e e , o tha cla m toe n e d r b l d r t i s 6. "Co e a e t rri o y m a s:v r g e t r " e nha e ha it go ds, pro uct o se v cev d s o d s r r i s di pa a e ; s r g d a. The Uni e Sta e o Am ri a (i cl di g i st d t s f e c n u n t te r t r e a d po se si ns), Pue t Ri o a dr i o i s n s s o r o c n(2) Ora o writ e pub i i n incl di gl r t n l o , u n Ca a a n d ;pu l ca i n by e e i m a s, o m t r ab i t o l n c e n f a e i l i o r "a v rt se e t th t:n y u d e i m n " a b. In e na i na wa e s o a rspa e but o l if thet r t o l t r r i c , n y (a) Ap ro ri t s a pe so ' na e v i ep p a e r n s m , o c , i j ry o da a e o curs in th co rse o tra en u r m g c e u f v l ph t gr p r i e e s; oo o a h o l k n s r o tra spo t t o be w e a y pl ce in l d dr n r a i n t e n n a s c u e i Pa a r p n r g a ha. a o e r b v ; o(b) Unre so a l pl ce a pe so in aa n b y a s r n fa se l gh ; r l i t o c. Al o h r pa t o th wo l if th i j ry ol t e r s f e r d e n u r da a e a i e o t o :m g r s s u f(3) In r ng m nt o co y i ht "ti l " o "sl g n"f i e e f p r g , t e r o a i y u "a v rt se e t , pro i e tha thn o r d e i m n " v d d t e (1) Go ds o pro uct m d o so d by y u ino r d s a e r l o cl i i m d o th "sui " i bro gh by aa m s a e r e t s u t th te ri o y de cri e i Pa a r pe r t r s b d n r g a h a. pe so o o ga i a i n tha cla mr n r r n z t o t i s a o e b v ; o ne shi o such co y i ht "ti l " ow r p f p r g , t e r (2) The a ti i i s o a pe so who e ho e i ic v t e f r n s m s n"sl g n . o a " th te ri o y de cri e i Pa a r pe r t r s b d n r g a h a. b. In l d s "bo i y in ur " ca se by o e o m rc u e d l j y u d n r o e a o e but i a a fo a sho t ti e o y urb v , s w y r r m n oo the o f n e de crib d in Pa a ra hf f e s s s e r g p a. bu i e s; r s n s oa o e b v . (3) "Pe so a a d a v rt sin i j ry o fe ser n l n d e i g n u " f n s3. "Au o m a s: t " e n th t ta e pl ce th o g th In e ne oa k a r u h e t r t r a. A l nd m t r v h cl , tra l r o se i r i ea o o e i e i e r m t a l r si i a l ct o i m a s o o m n ca i nm l r e e r n c e n f c m u i t o ; de i n d fo tra e o pub i ro ds, i cl di gs g e r v l n l c a n u n pro i e the insure ' re po sib l ty to pav d d d s s n i i ya y a t che a hi e y o qu pm n ; rn t a d m c n r r e i e t o da a e is de e m n d in a "sui " o th m r t im g s t r i e t n e e i s n b. An o he la d v h cl th t is sub e t to ay t r n e i e a j c th te ri o y de cri e i Pa a r pe r t r s b d n r g a h a. a o e o i b v , r n a co p l o y o fi a ci l re po si i i y la , om u s r r n n a s n b l t w r se t e e t we a re ot l m n g e t . o h r m to v hi l i sura ce l w, whe e i it e o r e c e n n a r t s
7. "El ct o i da a m a s in o m t o , fa t oe r n c t " e n f r a i n c s rl ce se r ri ci a l a a e .i n d o p n p l y g r g d pro ra s sto e a o o , cre te o use o , og m r d s r n a d r d n rHo e e , "a t " do s no in l d "m bi ew v r u o e t c u e o l tr n m t e to o fro co pu e so tw r (i cl d nga s i t d r m m t r f a e n u ie ui m n ". q p e t sy te s a d a p i a i ns so tw r ) ha d o fl p ys m n p l c t o f a e , r r o p
4. "Bo i y i j r " m a s:d l n u y e n di ks, CD-ROM , ta e , dri e , cel s, da as s p s v s l t pro e sin de i e o a y o h r m di a ec s g v c s r n t e e a ra. Ph si a ha m i cl di g si kn ss o di e sey c l r , n u n c e r s a , use i h e e o i a l co t o l d e ui m n .d w t l n c l y n r l e q p e tsusta n d y a pe so ; oi e b r n r b. M nt l a g i h, i j ry o i l e s, o e o i n le a n u s n u r l n s r m t o a 8. "Em l y e i cl de a "l a e wo k r". "Em l y ep o e " n u s e s d r e p o e " di tre s, re ul i g a a y ti e fro suchs s s t n t n m m do s n t i cl d "te po a y wo k r .e o n u e a m r r r e " ph si a h rm i e s o di e sey c l a , s s r s a . 9. "Ex cut v o f ce " m a s a pe so ho di g a y oe i e f i r e n r n l n n f
5. "Bro dca ti g m a s tra sm tt n a y a d o oa s n " e n n i i g n u i r th o fi e po it o s cre te by y u cha t r,e f c r s i n a d o r r e v sua a e i l fo ny p r o ei l m t r a r a u p s : co sti u i n by a s o a y o h r sim l r go e n ngn t t o , l w r n t e i a v r i do um n . c e ta. By ra i o e e i io ; od o r t l v s n r CG 1 0 02 1 T 0 9 Pa e 17 o 21 g f© 2017 Th
e Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission. public
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10. "Go d Sa a i a se v ce " m a s a y e e g n y tr ck , ro db do m r t n r i s e n n m r e c a s a e s, tu n l und r a sn e , e p s or m di a se v ce fo whi h no co p n a i n is cro sin ;e c l r i s r c m e s t o s g de a d d r e e v dm n e o r c i e . (2) Tha i d m i i s a a chi e g ne r ot n e n f e n r t n i e r
11. "Ho ti e fi e m a s a fi e whi h e surv y r o i j ry o a as l r " e n r c m s e o f r n u r d m g ri in ut o :e a s g o f tr l a l o bre k o t fro whe e i wan o l b e r a s u m r t s (a) Pre a i g a pr v ng o fa l n top r n , p o i , r i i gi t nd d o b .n e e t e pr pa e or ap r v , m p , shoe r p o e a s p
12. "Im a re pro e t " m a s ta g bl pro e t , o he dra i g , o ip i d p r y e n n i e p r y t r w n s p n o s, re o ts, survi n p r e s, y th n "y ur pro uct o "y ur wo k , tha ca n t be fi l o d rs, cha ga o d " r o r " t n o e d r e n e o d rs o ra i gsr e r d w n use r s l ss use u e a se a d pe i i a i ns; rd o i e f l b c u : n s c f c t o o a. It i co po a e "y ur pro uct o "y ur wo kn r r t s o d " r o r " (b) Gi i g di e t o s o i stru ti n , ov n r c i n r n c o s r th t is kn wn o th ug t to be de e v , fa l ng to gi e th m ifa o r o h f e i i v e , th t is the a de i n , n de u te o a g ro s; o pri a y ca se o the in u y of t i a q a r d n e u r m r u f j r r da a e m g ; orb. Y u ha e fa l d to ful i l the te m o a co tr cto v i e f l r s f n a (3) Und r whi h the i sure , if a a chi e t,e c n d n r t cor agreement; e gi e r o surv y r, a sum s l a i i y fon n e r e o s e i b l t ri such pro e t ca be re to e to use by t ef p r y n s r d h a in u y o da a e a i in o t o then j r r m g r s g u fre a r, re l ce e t, a j stm nt o re o a o "y urp i p a m n d u e r m v l f o i sure 's re de i g o fa l r to re den d n r n r i u e n rpro uct o "y ur wo k o y u fu fi l n t e te m od " r o r " r o r l l i g h r s f pro e si n l se v ce , in l d n ho e l stef s o a r i s c u i g t s i dth co t a t o gr e e t.e n r c r a e m n i Pa a r pn r g a h (2) a o e a d sup r i o yb v n e v s r ,
13. "In ure co t a t m a s:s d n r c " e n i spe t o , a chi e a o e g ne ri gn c i n r t r l r n i e n a t v ti s. c i i ea. A co t a t fo a l a e o pre i e . Ho e e ,n r c r e s f m s s w v r th t po t o o t e co t a t fo a l a e oa r i n f h n r c r e s f 14. "Le se wo k r" m a s a pe so l a e o y u ba d r e e n r n e s d t o y a pre i e tha in e n f e a y pe so om s s t d m i i s n r n r l bo l a in fi m unde a a r e e t be we n y ua r e s g r r n g e m n t e o o ga i a i n fo "pre i e da a e i no ar n z t o r m s s m g " s t n a d the la o le si g fi m to pe f rm dut e re a en b r a n r , r o i s l t d "i sure o tr ct ;n d c n a " to the co d ct o y ur bu i e s. "Le se wo k r"n u f o s n s a d r e do s n t i cl d "te p ra y wo k r .e o n u e a m o r r e "b. A i e ra k a re m n ;s d t c g e e t
15. "Lo di g o unl a i g" m a s th ha d i g oa n r o d n e n e n l n fc. An e se e t o li e se a re m nt e ce t iny a m n r c n g e e , x p pro e ty p r :co ne ti n wi h co stru ti n o de o i i nn c o t n c o r m l t o o e a Af e i is m v d fro th pl ce whe e i isp r t r t o e m e a r tti n o o i h n 5 e t o a ro do s n r w t i 0 f e f a r i a ; a.l t d fo m v m n i t o o t a a rcra tp e r o e e t n o r n o n i f ,d. An o l ga i n, a re u re by o d na ce tob i t o s q i d r i n , wa e cra t r "a t ";t r f o u oi d m i y a m n ci a i y e ce t i co ne ti nn e n f u i p l t , x p n n c o wi h o k f r a m ni a i yt w r o u l t ; b. Whi e i is i o o a a rcra t wa e cra t ol t n r n n i f , t r f r "a t "; r u o oe. An e e a o a nt na ce a re m ntl v t r m i e n g e e ; c. Whi e i is be n m v d fro a a rcra tl t i g o e m n i f ,f. Tha pa t o a y o he co t a t o a re m ntt r f n t r n r c r g e e wa e cra t o "a t " to th pl ce whe e i ist r f r u o e a r tp r a n n to y ur busi e s (i cl di g ae t i i g o n s n u n n fi a l e i e e ;n l y d l v r di de n fi a i n o a m ni i a i y i co nen m i c t o f u c p l t n n n wi h wo k pe f r e fo a m n ci a i y und rt r r o m d r u i p l t ) e bu "l a i g o unl a i g do s no i cl de thet o d n r o d n " e t n u whi h y u a sum th to t li b l t o a o h r m v m nt oc o s e e r a i i y f n t e o e e f pro e ty by m a s op r e n f a m ch n ca e a i l pa t to pa fo "bo i y in ur ", "pro e ty de i e o h r tha a har y y r d l j y p r v c , t e n n tr ck tha i no a ta hed u , t s t t c d da a e o "pe so a i j ry t a thi d pe som g " r r n l n u " o r r n to t e a rcra t w t rcra t o "a t ".h i f , a e f r u o o o ga i a i n To t l a i i y m a s a li b l tyr r n z t o . r i b l t e n a i i 16. "M bi e e u pm n " m a s a y o the fo l wi go l q i e t e n n f l o nth t wo l be i po e by l w i t e a se ce oa u d m s d a n h b n f ty e o la d v hi l s, i cl di g a y a ta hep s f n e c e n u n n t c da y co t r g e m ntn n r o a r e e . m chi e y o e ui m nta n r r q p e :
Pa a r p r g a hf. do s no i cl de th t pa t o a ye t n u a r f n a. Bu l o e s, fa m m chi e y fo k i ts a d o h rl d z r r a n r , r l f n t eco tr ct o a re m n :n a r g e e t v hi s de i n d fo use pri ci a l o f pub ie s g e r n p l y f l c (1) Tha i d m i i s a ra l o d fo "bo i y ro d ;t n e n f e i r a r d l a s i j ry o "pro e ty da a e a i i g o t on u " r p r m g " r s n u f b. Ve i l s m i t i e fo use so e y o o ne t toh c e a n a n d r l l n r xco stru n o de o i i n o e a i ns,n r m l t o p r t o pre i e y u wn r e tm s s o o o r n ;wi hi 50 fe t o a y ra l o d pro e t a dt n e f n i r a p r y n c. Ve i l s t a t a e n l r t e ds;h c e h t r v l o w e r aa fe t ng a y ra l o d bri g o tre tl ,f c i n i r a d e r s e Pa e 18 o 21 g f CG 1 0 02 1 T 0 9© 2017 Th
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d. Ve i s, whe he sel -pro e l d o no ,h t r f p l e r t b. An a t o o i si n co m t e in pro i i g oc r m s o m i t d v d n r m i ta n d pri a i y to pro i e m b l ty to fa l ng to pro i e fi st a n i e m r l v d o i i i i v d r a d o "Go d Sai r o m ri a a t n pe m ne t y m u t d:r a n l o n e se v ce " to a pe so , un e s y u a e i ther i s r n l s o r n bu i e s o occup ti n of pro i i gs n s r a o v d n(1) Po e cra e , sho e s, l a e s, di g rs ow r n s v l o d r g e r pro e sio a e l h ca e se v ce .f s n l h a t r r i sdri l ; o l s r
18. "Pe so a a d a v r i i g i j ry m a s "pe so ar n l n d e t s n n u " e n r n l(2) Road construction or resurfacing e ui m n such a gra e s, scra e s o i j ry o "a v rt sin nq p e t s d r p r r n u " r d e i g i j r ". u y ro l rs; l e 19. "Pe so a n ur ":r n l i j y
e. Ve i l s no de crib d i Pa a r ph c e t s e n r g a h a., b., c. a. M a s i j ry o he tha "a v rt sin in u y ,e n n u , t r n d e i g j r "or d. a o e th t a e no se f pro e l d a d a eb v a r t l - p l e n r ca se by o e o m r o th fo l w ngu d n r o e f e l o im i t i e pri a i y to pro i e m b l t toa n a n d m r l v d o i i y o fe se : f n spe m n n l a ta he e u p e t of ther a e t y t c d q i m n fo l wi g t p s:l o n y e (1) F l e a re t, de e t o r m ri o m n ;a s r s t n i n o i p s n e t (1) Ai co pr sso s, pum s a d ge e a o s,r m e r p n n r t r (2) M l ci us pr se o ;a i o o i ni cl d ng spra i g, we d ng bui d ngn u i y n l i , l i cl a i g ge ph si a e pl ra i n, l gh i ge n n , o y c l x o t o i t n (3) The wro gf l e i fro , wro gf l e trn u v n m n u n y a d e l se v ci g e ui m nt rn w l r i n q p e ; o i t , o in a i n o the ri h o pri a en o r v s o f g t f v t o cup ncy o a ro m dwe l n o pre i ec a f o , l i g r m s s(2) Che ry pi k rs a d si i a de i e use tor c e n m l r v c s d th t a pe so o cup e , pro i e tha thea r n c i s v d d tra se o o e o k rs;i r l w r w r e wro g u v ct o , wro g u nt y o n a i nn f l e i i n n f l e r r i v s of. Ve i l s no de crib d i Pa a r ph c e t s e n r g a h a., b., c. o the ri h o pri a e o cupa cy isf g t f v t c nor d. a o e m i ta n d pri a i y fo pu po eb v a n i e m r l r r s s co m t e by o o be a f o the o ne ,m i t d r n h l f w ro h r tha th tra spo t t o o pe so s ot e n e n r a i n f r n r l nd o d o le so o tha ro m dwe l ng oa l r r s r f t o , l i rca g . r o pre i e ; m s s Ho e e , se f pro e l d v h cl s wi h thw v r l - p l e e i e t e (4) Ora o writ e pub i a i n incl di gl r t n l c t o , u nfo l wi g ty e o pe m n nt y at a hel o n p s f r a e l t c d pu l ca i n by e e t o i m a s, o m t r ab i t o l c r n c e n f a e i le ui m nt a e no "m bi e e u pm n " bu wilq p e r t o l q i e t t l th t sl nd r o l b l a pe so oa a e s r i e s r n rbe co si e e "a t s":n d r d u o o di pa a e a pe so 's or s r g s r n r(1) Eq i m nt de ig e ri a i y f r:u p e s n d p m r l o (a) Sn w r m v l o e o a ; pro i e t a the cl i i m d r he "sui "v d d h t a m s a e o t t i bro g t by a pe so o o g n z ti n thas u h r n r r a i a o t(b) Ro d m i t na ce but noa a n e n , t co stru n o r surfa i g; o cl i s to ha e be n sl nd r d o i en r e c n r a m v e a e e r l b l d, o e r th t cl i s to ha e ha i s go ds, pro u tsa a m v d t o d c(c) St e t i g;r e n n o se v ce di pa a e ; or r i s s r g d r(2) Che ry pi ke s an sim l r de i er c r d i a v c s (5) Ora o wri te publ ca i n, in l d nl r t n i t o c u i gm un e o a t m bi e o truck cha siso t d n u o o l r s pu l ca i n by e e tr n c m a s, o m t ri lb i t o l c o i e n f a e aa d se t a se o o e o k rs; a dn u d o r i r l w r w r e n th t: a(3) Ai co pr sso s, pum s a d ge e a o s,r m e r p n n r t r i cl di g spra i g we di g bui di gn u n y n , l n , l n (a) Ap ro ri t s a pe so ' na e v i ep p a e r n s m , o c , cl a i g ge ph si a e pl ra i n, l gh i ge n n , o y c l x o t o i t n ph t gr p r i e e s; oo o a h o l k n s r a d e l se v ci g e ui m ntn w l r i n q p e .
(b) Unre so a l pl ce a pe so in aa n b y a s r nHo e e , "m bi e e u p e t do s no i cl de a yw v r o l q i m n " e t n u n fa se l gh . l i tl nd v h cl th t is sub e t to a co pu so y oa e i e a j c m l r r b. In l d s "bo i y in ur " ca se by o e o m rc u e d l j y u d n r o efinancial responsibility law, or other motor vehicle i sura ce l w, whe e i is l ce se o pri ci a l o the o f n en n a r t i n d r n p l y f f e s s de crib d in Pa a ra hs e r g p a. ga a e . Such la d v h cl s a e co sid rer g d n e i e r n e d a o e b v . "a t s". u o 20. "Po l t n s" m a a y so i , l qu d ga e u ol u a t e n n l d i i , s o s r
17. "Occurr n e m a s:e c " e n th rm l irr t n o co t m n nt i cl di g sm k ,e a i a t r n a i a , n u n o e v po , so t, fu e , s, a k l s, che i a s a da r o m s d l a i m c l na. A a ci e t, i cl di g co ti uo s o re e t dn c d n n u n n n u r p a e wa te Wa te in l d s m te i l to be re y l d,s . s c u e a r a s c c ee po ure to substa t a l th sa e ge e ax s n i l y e m n r l re o di i n d o r cl i e .c n t o e r e a m dha m ul co di i n ; rr f n t o s o CG 1 0 02 1 T 0 9 Pa e 19 o 21 g f© 2017 Th
e Travelers Indemnity Company. All rights reserved.
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21. "Pre i e da a e m a s: co tr ct ca l fo wo k a m re th nm s s m g " e n n a l s r r t o a o e j b i e n o s t .a. Wit re to th fi st pa a ra h o theh s e r r g p f e ce ti n in Ex l siox p o s c u n j. of I – (c) Whe tha pa t o the wo k do e a an t r f r n t Co e a e v r gA – Bo i y In ur And Pro e td l j y p r y j b si e ha be n put to it i t nd do t s e s n e e Da a e Li b l ty "pro e ty da a e to a ym g a i i , p r m g " n use b ny p r o o rg n z t o th ry a e s n r o a i a i n o e pre i e whi e re t d to y u fo a pe i d om s s l n e o r r o f th n an th r co tr ct r ora o e n a o se e o fe e co se ut v da s, in l d ng thev n r w r n c i e y c u i subco t a t r wo k n o th sa en r c o r i g n e m co te ts o uch re i e ; rn n f s p m s s o pro e t j c . b. Wit re pe t to th e ce t o to Ex l si nsh s c e x p i n c u o c. Wo k tha m y ne d se v ce m i t na cer t a e r i , a n e n ,th o g r u hn. i he l st a a ra h o a a r pn t a p r g p f P r g a h 2. co r ct o , re a r o re l ce e t, bu w i hr e i n p i r p a m n t h co Se ti n f c oI – Co e a e v r gA – Bo i y Inj ry Andd l u i o h rwi e co pl t , wi l be tre t d as t e s m e e l a e sPro e ty Da a e L a i i y "pro e ty d m ge top r m g i b l t , p r a a " co p e e . m l t da y pre i e whi e re t d t y u fo a pe i d on m s s l n e o o r r o f b. Do s no in l d "bo i y in u y o "pro e tye t c u e d l j r " r p rm re th n se e co se ut v da s, o whi eo a v n n c i e y r l da a e a i i g o t o :m g " r s n u fte p ra i y o cup e by y u wi h pe m ssio om o r l c i d o t r i n f th o n r, ca se ye w e u d b : (1) The tr n po t ti n o pro e t , unl ss thea s r a o f p r y e i j ry o da a e a i e o t o co d t o nn u r m g r s s u f a n i i n i(1) F re i ; o on a v h cl no o n d o o e a e byr e i e t w e r p r t d(2) Ex l si n; p o o y u, a d tha co di i n wa cre t d by theo n t n t o s a e " o h t e i l b nyf t a v h c e y a(3) Lightning; l a i g o unl a i g"o d n r o d n i sure ; n d(4) Sm k re ul i g fro fi e e pl sio oo e s t n m r , x o n r l g t i g r i h n n ; o (2) The e i te ce o to l , uni sta l dx s n f o s n l e e ui m nt o ab nd n d o unuseq p e r a o e r d(5)
m te i l ; r a r a s oBu "pre i e da a e un e thi Pa a r pt m s s m g " d r s r g a h (3) Pro uct o o e a i n fo whi h thd s r p r t o s r c eb. do s no in l d "pro e ty da a e to a ye t c u e p r m g " n cl ssi i a i n, li te i th De ra i ns oa f c t o s d n e t o rpre i e ca se b :m s s u d y i a po i y Sche u e sta e th t pro uct -n l c d l , t s a d s(1) Rup u e bu sti g o o e a i n o pre suret r , r n , r p r t o f s co p e e o e a i n a e subj ct to them l t d p r t o s r ere i f e i e ;l e d v c s Ge e a g re a e Li i .n r l A g g t m t (2) Rup u e o bu sti g due to e p nsio ot r r r n x a n r 23. "Pro e ty d m ge m a s:p r a a " e nswe l n o th co t n s o a y bui d n ol i g f e n e t f n l i g r a. Ph si a in u y to ta gi l pro e t , in d ng a ly c l j r n b e p r y i lstru tu e ca se b r e ul i g r m w t r;c r u d y o r s t n f o a e re ul i g l ss o use o th t pro e t . Al suchs t n o f f a p r y lor l ss o use wi l be de m d to t t e t m fo f l e e a h i e o (3) Ex l si n o ste m bo l r , ste m pi e ,p o o f a i e s a p s th p y i a n u y t a ca se t re h s c l i j r h t u d i ; o ste m e gi e o te m t r i e .a n n s r s a u b n s b. Lo s o use o ta gi l pro e ty tha i nos f f n b e p r t s t ph si a l in ur d Al such l ss o use wi l bey c l y j e . l o f l22. "Products-completed operations hazard":
de m d to o cur a the ti e o th cee e c t m f e n "a. In l d s a l "bo i y in ur " a d "pro e tyc u e l d l j y n p r th t a se t a c u d i .da a e o cur i g a a fro pre i e y um g " c r n w y m m s s o F r the purp se o th s in ura ce "e e i da ao o s f i s n , l n c t "o n o re t a d a i in o t o "y ur pro uct ow r n n r s g u f o d " r i n t a g bl ro e t .s o t n i e p p r y"y ur o k e ce t:o w r " x p
24. "Sl g n : o a "(1) Pro uct th t a e sti l in y ur phy icad s a r l o s l a. M a s a phr se th t o h r u e fo he pu p see n a a t e s s r t r opossession; or o t ra ti g a t n i n n t e r d e t sin .f a t c n t e t o i h i a v r i g(2) Wo k tha ha no y t be n co p e e or t s t e e m l t d r b. Do s no in l d a phra e use a , o in thee t c u e s d s r ,a a d n d. Ho e e , "y ur wo k wi l beb n o e w v r o r " l na e o : m fde m d co pl t d a th e rl e t o thee e m e e t e a i s f fo l wi g i e :l o n t m s (1) An pe so o o g n z t o , o he th n y u;y r n r r a i a i n t r a o or(a) Whe a l o th wo k ca l d fo i y un l f e r l e r n o r co tr ct ha b e o p e e .n a s e n c m l t d (2) An busin ss, o a y o th pre i e ,y e r n f e m s s go ds, pro uct , se v ce o wo k o a yo d s r i s r r , f n(b) Whe a l o th wo k to be do e a then l f e r n t pe so r r a i a i n t e ha o .r n o o g n z t o , o h r t n y uj b sit ha be n co pl t d i y uo e s e m e e f o r Pa e 20 o 21 g f CG 1 0 02 1 T 0 9© 2017 Th
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25. "Su t m a s a civ l pro e d n i whi h da a ei " e n i c e i g n c m g s (a) Y u o ; be a se o "bo i y in u y , "pro e ty da a e oc u f d l j r " p r m g " r (b) Ot e s t a i g nd r y u a e rh r r d n u e o r n m ; o "pe so a a d a v rt si g i j ry to whi h thir n l n d e i n n u " c s (c) A pe so o or a i a i n who er n r g n z t o si sura ce a pl e a e a l ge . "Su t i cl de :n n p i s r l e d i " n u s bu i e s o a se s y u ha e a qu re ;s n s r s t o v c i d a. An a b t a i n pro e di g i whi h suchr i r t o c e n n c a d n da a e a e cla m d a d to whi h th in urem g s r i e n c e s d (2) Co t i e s (o he tha v hi l s), m t ri l ,n a n r t r n e c e a e a sm st subm t o do s sub i wi h o r co se tu i r e m t t u n n ; pa t o e u pm n furn she i co ne ti nr s r q i e t i d n n c oor wi h uch g o s o ro uct .t s o d r p d s b. An o he al e n ti e di put re o ut oy t r t r a v s e s l i n b. In l d s: c u e pr ce di g in whi h such d m ge a e cl i eo e n c a a s r a m d (1) Wa ra ti s o re re e ta i ns m de a a yr n e r p s n t o a t na d to whi h th in ure subm ts wit o rn c e s d i h u ti e wi h re pe t to the fi n ss, qua i ym t s c t e l t ,co se t. n n du a i i y pe fo m n e o use o "y urr b l t , r r a c r f o
26. "Te p ra y wo k r m a s a pe so who im o r r e " e n r n s pro uct ; nd d " a fu ni he to y u to substi ut fo a pe m ne tr s d o t e r r a n (2) The pro i i g o o fa l re to pro i ev d n f r i u v d"e pl y e o l a e o to m e se so a o sho tm o e " n e v r e t a n l r r - wa ni g o n tr ct o s.r n s r i s u i nte m w r l a o di i n .r o k o d c n t o s c. Do s no i cl de v nd ng m ch ne o o h re t n u e i a i s r t e27. "Ti l " m a s a na e o l t r r r a t sti o kt e e n m f a i e a y o r i c w r . pro e ty re t d to o l ca e fo the use op r n e r o t d r f
28. "Unso i co m n ca i n m a s a yl d m u i t o " e n n o h r b t no so dt e s u t l . co m n ca i n in a y fo m tha th re i nt om u i t o , n r , t e e f 31. "Y u o k : o r w r "such co m n ca i n di no spe i a l re ue t tom u i t o d t f c l y q s a. M a s: e nre e v . c i e
(1) Wo k o o e a i n pe f rm d by y u o or r p r t o s r o e o r n29. "Vo u t e wo k r m a s a pe so who i no y ul n e r r e " e n r n s t o r y ur e a f; a do b h l n"e pl y e , a d who do a e hi o he wo k a dm o e " n n t s s r r r n a t a th di e ti n o a d wi hi the sco e oc s t e r c o f n t n p f (2) M te i l , pa t o e u pm n furn she ina r a s r s r q i e t i d du i s de e m n d by y u a d is no pa d a fe ,t e t r i e o , n t i e co ne ti n wi h uch w r o pe a i n .n c o t s o k r o r t o s sa a y o o he co pe sa i n by y u o a y n e sel r r t r m n t o o r n o e l b. In l d s: c u efo he r o k p r o m d f r o .r t i w r e f r e o y u (1) Wa ra ti s o re re e ta i ns m de a a yr n e r p s n t o a t n30. "Y u ro uct :o r p d " ti e wi h re pe t to the fi n ss, qua i ym t s c t e l t , a. M a s: e n du a i i y pe fo m n e o use o "y urr b l t , r r a c r f o (1) An go d o pro uct , o h r th n re l wo k ; a dy o s r d s t e a a r " n pro e ty m n f ct r d so d ha d e ,p r , a u a u e , l , n l d (2) The pro i i g o o fa l re to pro i ev d n f r i u v d di tr bu e r d spo e f ys i t d o i s d o b : o n tr ct o s.r i s u i n CG 1 0 02 1 T 0 9 Pa e 21 o 21 g f© 2017 Th
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4T22CO5W913629TCT25
03/31/2025
POLICY NUMBER: 810-5W889729-24-2S-G ISSUE DATE: 03/31/2025
3/31/2025 CSWC02425102 4T22CO5W913629TCT25
03/31/2025
POLICY NUMBER: 4T22CO5W913629TCT25 ISSUE DATE: 03/31/2025
POLICY NUMBER: 4T22CO5W913629TCT25 ISSUE DATE: 03 /27/25
8105W889729242SG 03/31/2025 3/31/2026
3/31/2025
8105W889729242SG
03/31/2025
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