Exhibit E
SENECA SPECIALITY INSURANCE COMPANY

2999 North 44th Street

Phoenix, AZ 85018-7256

MAIN ADMINISTRATIVE OFFICE

160 Water Street

New York, NY 10038

Please be sure to read your policy

42-025 (03/14)

COMMERCIAL PROTECTION
POLICY NUMBER:

COMMON POLICY DECLARATIONS

POLICY PERIOD: FROM TO

AT 12:01 A.M. STANDARD TIME AT YOUR MAILING ADDRESS SHOWN ABOVE.

BUSINESS DESCRIPTION

IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL THE TERMS OF THIS

POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY.

THIS POLICY CONSISTS OF THE FOLLOWING COVERAGE PARTS FOR WHICH A PREMIUM IS

INDICATED. THIS PREMIUM MAY BE SUBJECT TO ADJUSTMENT.

PREMIUM

IL DS 00 09 08

NAMED INSURED:

MAILING ADDRESS:

 

c ISO Properties, Inc., 2007 Page of

PREVIOUS POLICY NUMBER:

COMPANY NAME PRODUCER NAME

SGL 4600247 New

12/18/2014 12/18/2015

Photography/Videography

AerialVid.com, LLC

1 2

123 Orleans Pl.

West Monroe, LA 71291

SENECA SPECIALTY INSURANCE COMPANY

2999 North 44th Street

Suite 250

Phoenix, AZ 85018

SENECA SPECIALTY INSURANCE COMPANY

2999 North 44th Street

Suite 250

Phoenix, AZ 85018

46238

Networked Insurance Agents

443 Crown Point Circle

Suite A

Grass Valley, CA 95945

COMMERCIAL GENERAL LIABILITY COVERAGE PART

TERRORISM - CERTIFIED ACTS (GENERAL LIABILITY)

$1,400.00

EXCLUDED

TOTAL: $1,400.00

AGENCY BILL

REFER TO YOUR POLICY FOR A FULL EXPLANATION OF COVERAGES PROVIDED
FORMS APPLICABLE TO ALL COVERAGE PARTS (SHOW NUMBERS):

Countersigned By:

(Date) (Authorized Representative)

POLICY NUMBER:

IL DS 00 09 08 

c ISO Properties, Inc., 2007 Page of

SGL 4600247

See Schedule of Forms and Endorsements.

2 2

SENECA SPECIALTY INSURANCE COMPANY

45-001 (12/13) Page 1 of 1

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

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY

SERVICE OF SUIT

The following Condition is added to the COMMON POLICY CONDITIONS:

Service of Suit

In the event of our failure to pay any amount claimed to be due under the policy, at the request of the insured we

will submit to the jurisdiction of any court of competent jurisdiction within the United States and will comply with

all requirements to give such court jurisdiction and all matters arising hereunder shall be determined in

accordance with the law and practice of such court. It is further agreed that in any such action we will abide by the

final decision of any such court or of any appellate court in the event of an appeal.

It is further agreed that service of process in such suit may be made upon the highest ranking government official

or body with the authority to receive such service of process and bearing the title of “Commissioner,” “Director,”

or “Superintendent” of Insurance (or other office specified by statute for receiving service of process) of the state

or commonwealth of the court of competent jurisdiction. If service of process is sent to us, it may be mailed to:

Douglas Libby, CEO

Seneca Specialty Insurance Company

160 Water Street

New York, NY 10038

ALL OTHER TERMS AND CONDITIONS REMAIN UNCHANGED.
SENECA INSURANCE COMPANY, INC.

SENECA SPECIALTY INSURANCE COMPANY

41-472 (10/13) Page 1 of 2

Includes copyrighted material of Insurance Services Office, Inc., with its permission., 2013

NOTICE TO POLICYHOLDERS

POTENTIAL RESTRICTIONS OF TERRORISM COVERAGE

Conditional Exclusion Of Terrorism

(Relating To Disposition Of Federal Terrorism Risk Insurance Act)

This Notice has been prepared in conjunction with the POTENTIAL implementation of changes related to coverage of

terrorism under your policy.

The federal Terrorism Risk Insurance Program Act established a program commonly referred to as the Terrorism Risk

Insurance Program (“TRIP”) within the Department of the Treasury under which the federal government shares, with the

insurance industry, the risk of loss from future terrorist attacks. TRIP is subject to a termination date of December 31,

2014 unless extended by the federal government. If TRIP terminates, or is extended with certain changes, prior to or

during the term of your policy, then the treatment of terrorism under your policy will change. This Notice is being

provided to you for the purpose of summarizing the potential impact on your coverage should TRIP terminate on

December 31, 2014. This notice provides a brief synopsis of significant exclusionary provisions and limitations. 

This Notice does not form a part of your insurance contract. The Notice is designed to alert you to coverage restrictions

and to other provisions in certain terrorism endorsement(s) in this policy. If there is any conflict between this Notice

and the policy (including its endorsements), the provisions of the policy (including its endorsements) apply.

Carefully read your policy, including the endorsements attached to your policy.

YOUR CURRENT POLICY DURING THE TENURE OF THE TERRORISM RISK INSURANCE PROGRAM REAUTHORIZATION

ACT OF 2007

Your current policy will continue to treat coverage for terrorism in accordance with its respective terms, conditions,

limitations and exclusions while TRIP remains in effect. However, if the federal government allows TRIP to terminate, or

if it extends TRIP with certain changes, prior to or during the term of your policy, then the treatment of terrorism under

your policy will change. As a result of the foregoing, we are attaching one or more Conditional Exclusions of Terrorism

Coverage to your policy, which would become effective in the event of termination or certain changes to TRIP as further

set forth and explained below. 

POTENTIAL CHANGE DURING THE TERM OF YOUR POLICY:

One or more of the following Conditional Exclusions of Terrorism endorsements will be attached to your policy: 

Applicable to All States EXCEPT NY or FL

For Property, Inland Marine, Equipment Breakdown, Boiler & Machinery: IL 09 95

For General Liability: CG 2187, CG 3214 (AK only) or CG 3220 (WA only)

For Businessowners Policies: BP 0564, BP 0650 (AK only)

For Commercial Crime Policies: CR 0752, CR 0755 (AK only)

For Umbrella or Excess: CU 2144, CU 0182 (AK only) or CU 0186 (WA only)
41-472 (10/13) Page 2 of 2

Includes copyrighted material of Insurance Services Office, Inc., with its permission. 2013

For NY or FL: Please refer to the separate Policyholder Notice that is applicable to these states, as they may apply to

you.

The provisions of the above endorsement(s) will become applicable to your policy only if certain events (one or more

of them) occur. Those events include the following:

If TRIP terminates with respect to the type of insurance provided under this policy. (TRIP is scheduled to

terminate at the end of December 31, 2014 unless extended by the federal government.);or

If TRIP is extended with changes that redefine terrorism, and we are not required to make such revised coverage

available to you;or

If TRIP is extended with changes that make insurance coverage for terrorism subject to provisions or

requirements that differ from those that apply to other events or occurrences under this policy, and we are not

required to make such revised coverage available to you;or

If TRIP is extended with changes that increase insurers'statutory percentage deductible under TRIP for terrorism

losses, or decrease the federal government's statutory percentage share in potential terrorism losses, and we

are not required to make terrorism coverage available to you. O ur deductible is 20% of the total of our previous

year’s direct earned premiums. The government’s share is 85% of the terrorism losses paid by us above the

deductible.

The above endorsements treat terrorism as follows:

Coverage for injury or damage arising out of a terrorism incident is excluded only if:

The total of all insured damage to all types of property (including business interruption losses sustained by owners

or occupants of damaged property), from the incident, exceeds $25 million. The $25 million property damage

threshold is based on losses sustained by all persons and entities who are affected by an incident of terrorism, and

who are insured for the damage, or who would be insured but for a terrorism exclusion;or

Fifty or more persons sustain death or serious physical injury (applicable to GL, U mbrella or Excess endorsements);

or

(To determine whether the threshold for property damage ($25 million) and persons injured (fifty) is exceeded,

multiple incidents of terrorism, which occur within a seventy-two hour period and appear to be linked together or

have a related purpose or common leadership behind them, shall be considered to be one incident of terrorism.)

The terrorism event is carried out by means of the dispersal or application of radioactive material or through the

use of a nuclear weapon or device that involves or produces a nuclear reaction, nuclear radiation or radioactive

contamination;or

The terrorism event involves the release of radioactive material, and it appears that one purpose of the terrorism

was to release such material;or

The terrorism event is carried out by means of the dispersal or application of pathogenic or poisonous biological or

chemical materials;or

The terrorism event involves the release of pathogenic or poisonous biological or chemical materials, and it appears

that one purpose of the terrorism was to release such materials.

See the definition of terrorism in your policy for purposes of the terrorism exclusion.
SENECA SPECIALTY INSURANCE COMPANY

45-013 (12/13) Page 1 of 1

SURPLUS LINES POLICY NOTICE – LOUISIANA

This insurance policy is delivered as surplus line coverage

under the Insurance Code of the State of Louisiana.

In the event of insolvency of the company issuing this

contract, the policyholder or claimant is not covered by the

Louisiana Insurance Guaranty Association which guarantees

only specific policies issued by an insurance company

authorized to do business in Louisiana.

This surplus lines policy has been procured by the following

licensed Louisiana surplus lines broker:

__________________________________________

Signature of Licensed Louisiana Surplus Lines Broker

or Authorized Representative

________________________________________________

Printed Name of Licensed Louisiana Surplus Lines Broker
IL 00 17 11 98

IL 00 17 11 98 Copyright, Insurance Services Office, Inc., 1998 Page 1 of 1 ±

COMMON POLICY CONDITIONS

All Coverage Parts included in this policy are subject to the following conditions.

A. Cancellation

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

2. We may cancel this policy by mailing or delivering to the first Named Insured written notice

of cancellation at least:

a. 10 days before the effective date of cancellation if we cancel for nonpayment of premium; or

b. 30 days before the effective date of cancellation if we cancel for any other reason.

3. We will mail or deliver our notice to the first

Named Insured'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 policy is cancelled, we will send the first

Named Insured any premium refund due. If we

cancel, the refund will be pro rata. If the 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.

B. Changes

This policy contains all the agreements between

you and us concerning the insurance afforded.

The first Named Insured shown in the Declarations is authorized to make changes in the terms

of this policy with our consent. This policy's terms

can be amended or waived only by endorsement

issued by us and made a part of this policy.

C. Examination Of Your Books And Records

We may examine and audit your books and records as they relate to this policy at any time during

the policy period and up to three years afterward.

D. Inspections And Surveys

1. We have the right to:

a. Make inspections and surveys at any time;

b. Give you reports on the conditions we find;

and

c. Recommend changes.

2. We are not obligated to make any inspections,

surveys, reports or recommendations and any

such actions we do undertake 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. And we do not warrant

that conditions:

a. Are safe or healthful; or

b. Comply with laws, regulations, codes or

standards.

3. Paragraphs 1. and 2. of this condition apply

not only to us, but also to any rating, advisory,

rate service or similar organization which

makes insurance inspections, surveys, reports

or recommendations.

4. Paragraph 2. of this condition does not apply

to any inspections, surveys, reports or recommendations we may make relative to certification, under state or municipal statutes, ordinances or regulations, of boilers, pressure vessels or elevators.

E. Premiums

The first Named Insured shown in the Declarations:

1. Is responsible for the payment of all premiums;

and

2. Will be the payee for any return premiums we

pay.

F. Transfer Of Your Rights And Duties Under

This Policy

Your rights and duties under this policy may not

be transferred without our written consent except

in the case of death of an individual named insured.

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.
IL 00 21 09 08

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

IL 00 21 09 08 © ISO Properties, Inc., 2007 Page 1 of 2

NUCLEAR ENERGY LIABILITY EXCLUSION 

ENDORSEMENT

(Broad Form)

This endorsement modifies insurance provided under the following: 

COMMERCIAL AUTOMOBILE COVERAGE PART

COMMERCIAL GENERAL LIABILITY COVERAGE PART

FARM COVERAGE PART

LIQUOR LIABILITY COVERAGE PART

MEDICAL PROFESSIONAL LIABILITY COVERAGE PART

OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART

POLLUTION LIABILITY COVERAGE PART

PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART

RAILROAD PROTECTIVE LIABILITY COVERAGE PART

UNDERGROUND STORAGE TANK POLICY

1. The insurance does not apply: 

A. Under any Liability Coverage, to "bodily injury"

or "property damage": 

(1) With respect to which an "insured" under

the policy is also an insured under a nuclear energy liability policy issued by Nuclear Energy Liability Insurance Association, Mutual Atomic Energy Liability

Underwriters, Nuclear Insurance Association of Canada or any of their successors,

or would be an insured under any such policy but for its termination upon exhaustion

of its limit of liability; or 

(2) Resulting from the "hazardous properties"

of "nuclear material" and with respect to

which (a) any person or organization is required to maintain financial protection pursuant to the Atomic Energy Act of 1954, or

any law amendatory thereof, or (b) the "insured" is, or had this policy not been issued

would be, entitled to indemnity from the

United States of America, or any agency

thereof, under any agreement entered into

by the United States of America, or any

agency thereof, with any person or organization.

B. Under any Medical Payments coverage, to

expenses incurred with respect to "bodily injury" resulting from the "hazardous properties"

of "nuclear material" and arising out of the operation of a "nuclear facility" by any person or

organization. 

C. Under any Liability Coverage, to "bodily injury"

or "property damage" resulting from "hazardous properties" of "nuclear material", if: 

(1) The "nuclear material" (a) is at any "nuclear

facility" owned by, or operated by or on behalf of, an "insured" or (b) has been discharged or dispersed therefrom; 

(2) The "nuclear material" is contained in

"spent fuel" or "waste" at any time possessed, handled, used, processed, stored,

transported or disposed of, by or on behalf

of an "insured"; or 

(3) The "bodily injury" or "property damage"

arises out of the furnishing by an "insured"

of services, materials, parts or equipment in

connection with the planning, construction,

maintenance, operation or use of any "nuclear facility", but if such facility is located

within the United States of America, its territories or possessions or Canada, this exclusion (3) applies only to "property damage" to such "nuclear facility" and any

property thereat. 

2. As used in this endorsement: 

"Hazardous properties" includes radioactive, toxic

or explosive properties. 

"Nuclear material" means "source material", "special nuclear material" or "by-product material". 
Page 2 of 2 © ISO Properties, Inc., 2007 IL 00 21 09 08

"Source material", "special nuclear material", and

"by-product material" have the meanings given

them in the Atomic Energy Act of 1954 or in any

law amendatory thereof. 

"Spent fuel" means any fuel element or fuel component, solid or liquid, which has been used or exposed to radiation in a "nuclear reactor". 

"Waste" means any waste material (a) containing

"by-product material" other than the tailings or

wastes produced by the extraction or concentration of uranium or thorium from any ore processed

primarily for its "source material" content, and (b)

resulting from the operation by any person or organization of any "nuclear facility" included under

the first two paragraphs of the definition of "nuclear facility".

"Nuclear facility" means: 

(a) Any "nuclear reactor";

(b) Any equipment or device designed or used

for (1) separating the isotopes of uranium or

plutonium, (2) processing or utilizing "spent

fuel", or (3) handling, processing or packaging "waste";

(c) Any equipment or device used for the processing, fabricating or alloying of "special

nuclear material" if at any time the total

amount of such material in the custody of

the "insured" at the premises where such

equipment or device is located consists of

or contains more than 25 grams of plutonium or uranium 233 or any combination

thereof, or more than 250 grams of uranium

235;

(d) Any structure, basin, excavation, premises

or place prepared or used for the storage or

disposal of "waste";

and includes the site on which any of the foregoing

is located, all operations conducted on such site

and all premises used for such operations. 

"Nuclear reactor" means any apparatus designed

or used to sustain nuclear fission in a selfsupporting chain reaction or to contain a critical

mass of fissionable material. 

"Property damage" includes all forms of radioactive contamination of property. 
IL 02 77 03 12

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

IL 02 77 03 12 © Insurance Services Office, Inc., 2011 Page 1 of 3

LOUISIANA CHANGES – CANCELLATION 

AND NONRENEWAL

This endorsement modifies insurance provided under the following: 

CAPITAL ASSETS PROGRAM (OUTPUT POLICY) COVERAGE PART

COMMERCIAL AUTOMOBILE COVERAGE PART

COMMERCIAL GENERAL LIABILITY COVERAGE PART

COMMERCIAL INLAND MARINE COVERAGE PART

COMMERCIAL LIABILITY UMBRELLA COVERAGE PART

COMMERCIAL PROPERTY COVERAGE PART

CRIME AND FIDELITY COVERAGE PART

EMPLOYMENT-RELATED PRACTICES LIABILITY COVERAGE PART

EQUIPMENT BREAKDOWN COVERAGE PART

FARM COVERAGE PART

LIQUOR LIABILITY COVERAGE PART

MEDICAL PROFESSIONAL LIABILITY COVERAGE PART

POLLUTION LIABILITY COVERAGE PART

PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART 

STANDARD PROPERTY POLICY

A. Paragraph 2. of the Cancellation Common Policy

Condition is replaced by the following, which

applies unless Paragraph B. of this endorsement

applies: 

2. Notice Of Cancellation 

a. Cancellation Of Policies In Effect For

Fewer Than 60 Days Which Are Not

Renewals 

If this policy has been in effect for fewer

than 60 days and is not a renewal of a

policy we issued, we may cancel this policy

for any reason, subject to the following: 

(1) Cancellation for nonpayment of

premium:

We may cancel this policy by mailing or

delivering to the first Named Insured

written notice of cancellation at least 10

days before the effective date of

cancellation. 

(2) Cancellation for any other reason:

We may cancel this policy by mailing or

delivering to the first Named Insured

written notice of cancellation at least 60

days before the effective date of

cancellation. 

b. Cancellation Of Renewal Policies And

New Policies In Effect For 60 Days Or

More 

If this policy has been in effect for 60 days

or more, or is a renewal of a policy we

issued, we may cancel only for one or more

of the following reasons: 

(1) Nonpayment of premium; 

(2) Fraud or material misrepresentation

made by you or with your knowledge

with the intent to deceive in obtaining

the policy, continuing the policy, or in

presenting a claim under the policy; 

(3) Activities or omissions by you which

change or increase any hazard insured

against; 

(4) Change in the risk which increases the

risk of loss after we issued or renewed

this policy, including an increase in

exposure due to regulation, legislation,

or court decision; 

(5) Determination by the Commissioner of

Insurance that the continuation of this

policy would jeopardize our solvency or

would place us in violation of the

insurance laws of this or any other state; 
Page 2 of 3 © Insurance Services Office, Inc., 2011 IL 02 77 03 12

(6) The insured's violation or breach of any

policy terms or conditions; or 

(7) Any other reasons that are approved by

the Commissioner of Insurance. 

We will mail or deliver written notice of

cancellation under Paragraph A.2.b. to

the first Named Insured at least: 

(a) 10 days before the effective date of

cancellation if we cancel for

nonpayment of premium; or 

(b) 30 days before the effective date of

cancellation if we cancel for a reason

described in Paragraphs A.2.b.(2)

through (7) above.

B. Paragraph 2. of the Cancellation Common Policy

Condition is replaced by the following, which

applies with respect to premium payments due on

new and renewal policies, including installment

payments:

2. Notice Of Cancellation

a. If your premium payment check or other

negotiable instrument is returned to us or

our agent or a premium finance company

because it is uncollectible for any reason,

we may cancel the policy subject to

Paragraphs B.2.b. and B.2.c.

b. We may cancel the policy effective from the

date the premium payment was due, by

sending you written notice by certified mail,

or by delivering such notice to you within 10

days of the date that we receive notice of

the returned check or negotiable

instrument.

c. The cancellation notice will also advise you

that the policy will be reinstated effective

from the date the premium payment was

due, if you present to us a cashier's check

or money order for the full amount of the

returned check or other negotiable

instrument within 10 days of the date that

the cancellation notice was mailed.

C. With respect to the Coverage Parts and Policies to

which this endorsement applies, except the

Equipment Breakdown Coverage Part, Paragraph

5. of the Cancellation Common Policy Condition

is replaced by the following:

5. Premium Refund

If this policy is cancelled, we will return any

premium refund due, subject to Paragraphs

C.5.a., C.5.b., C.5.c., C.5.d., C.5.e. and C.5.f.

The cancellation will be effective even if we

have not made or offered a refund.

a. If we cancel, the refund will be pro rata.

b. If the first Named Insured cancels, the

refund will not be less than 90% of the pro

rata unearned premium, rounded to the

next higher whole dollar. The refund will be

returned within 30 days after the effective

date of cancellation.

c. We will send the refund to the first Named

Insured unless Paragraph C.5.d. or C.5.e.

applies.

d. If we cancel based on Paragraph B.2. of

this endorsement, we will return the

premium due, if any, within 10 days after

the expiration of the 10-day period referred

to in B.2.c. If the policy was financed by a

premium finance company, or if payment

was advanced by the insurance agent, we

will send the return premium directly to

such payor.

e. With respect to any cancellation of the

Commercial Auto Coverage Part, we will

send the return premium, if any, to the

premium finance company if the premium

was financed by such company.

f. When return premium payment is sent to

the premium finance company or the agent

of the insured, we will provide notice to you,

at the time of cancellation, that a return of

unearned premium may be generated by

the cancellation.

D. With respect to the Equipment Breakdown

Coverage Part, Paragraph 5. of the Cancellation

Common Policy Condition is replaced by the

following:

5. Premium Refund

If this policy is cancelled, we will return any

premium refund due, subject to Paragraphs

D.5.a., D.5.b., D.5.c., D.5.d. and D.5.e. The

cancellation will be effective even if we have

not made or offered a refund.

a. If we cancel, the refund will be pro rata.

b. If the first Named Insured cancels, the

refund will not be less than 75% of the pro

rata unearned premium, rounded to the

next higher whole dollar. The refund will be

returned within 30 days after the effective

date of cancellation.

c. We will send the refund to the first Named

Insured unless Paragraph D.5.d. applies.
IL 02 77 03 12 © Insurance Services Office, Inc., 2011 Page 3 of 3

d. If we cancel based on Paragraph B.2. of

this endorsement, we will return the

premium due, if any, within 10 days after

the expiration of the 10-day period referred

to in B.2.c. If the policy was financed by a

premium finance company, or if payment

was advanced by the insurance agent, we

will send the return premium directly to

such payor.

e. When return premium payment is sent to

the premium finance company or the agent

of the insured, we will provide notice to you,

at the time of cancellation, that a return of

unearned premium may be generated by

the cancellation.

E. The Premiums Common Policy Condition is

replaced by the following:

Premiums

1. The first Named Insured shown in the

Declarations is responsible for the payment of

all premiums.

2. We will pay return premiums, if any, to the first

Named Insured, unless another person or

entity is entitled to be the payee in accordance

with Paragraph C. or D. of this endorsement.

F. Paragraph f. of the Mortgageholders Condition in

the Commercial Property Coverage Part, Standard

Property Policy and the Capital Assets Program

(Output Policy) Coverage Part, and Paragraph 4.f.

of the Mortgageholders Condition in the Farm

Coverage Part are replaced by the following: 

If we cancel a policy that has been in effect

for fewer than 60 days and is not a renewal

of a policy we issued, we will give written

notice to the mortgageholder, pledgee or

other known person shown in the policy to

have an insurable interest in any loss, at

least:

(1) 10 days before the effective date of

cancellation, if we cancel for

nonpayment of premium; or

(2) 60 days before the effective date of

cancellation, if we cancel for any other

reason.

If we cancel a policy that has been in effect

for 60 days or more, or is a renewal of a

policy we issued, we will give written notice

to the mortgageholder, pledgee or other

known person shown in the policy to have

an insurable interest in any loss, at least:

(1) 10 days before the effective date of

cancellation, if we cancel for

nonpayment of premium; or 

(2) 30 days before the effective date of

cancellation, if we cancel for any other

reason. 

G. The following is added and supersedes any other

provision to the contrary: 

Nonrenewal

1. If we decide not to renew this policy, we will

mail or deliver written notice of nonrenewal to

the first Named Insured, mortgageholder,

pledgee or other known person shown in the

policy to have an insurable interest in any loss,

at least 60 days before its expiration date, or its

anniversary date if it is a policy written for a

term of more than one year or with no fixed

expiration date.

2. We need not mail or deliver this notice if: 

a. We or another company within our

insurance group have offered to issue a

renewal policy; or 

b. You have obtained replacement coverage

or have agreed in writing to obtain

replacement coverage. 

3. Any notice of nonrenewal will be mailed or

delivered to the first Named Insured,

mortgageholder, pledgee or other known

person shown in the policy to have an

insurable interest in any loss, at the last mailing

address known to us. If notice is mailed, proof

of mailing will be sufficient proof of notice.

4. Such notice to the insured shall include the

insured's loss run information for the period the

policy has been in force within, but not to

exceed, the last three years of coverage.
IL N 048 09 03

IL N 048 09 03 © ISO Properties, Inc., 2003 Page 1 of 1

LOUISIANA FRAUD STATEMENT

Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.
POLICY NUMBER: COMMERCIAL GENERAL LIABILITY

CG DS 01 10 01

COMMERCIAL GENERAL LIABILITY DECLARATIONS

IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL THE TERMS OF THIS

POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY.

LIMITS OF INSURANCE

EACH OCCURRENCE LIMIT

DAMAGE TO PREMISES

RENTED TO YOU LIMIT Any one premises

MEDICAL EXPENSE LIMIT Any one person

PERSONAL & ADVERTISING INJURY LIMIT Any one person or organization

GENERAL AGGREGATE LIMIT

PRODUCTS/COMPLETED OPERATIONS AGGREGATE LIMIT

RETROACTIVE DATE (CG 00 02 ONLY)

THIS INSURANCE DOES NOT APPLY TO "BODILY INJURY", "PROPERTY DAMAGE" OR "PERSONAL AND

ADVERTISING INJURY" WHICH OCCURS BEFORE THE RETROACTIVE DATE, IF ANY, SHOWN BELOW.

RETROACTIVE DATE:

(ENTER DATE OR "NONE" IF NO RETROACTIVE DATE APPLIES)

DESCRIPTION OF BUSINESS

FORM OF BUSINESS:

INDIVIDUAL PARTNERSHIP JOINT VENTURE TRUST

LIMITED LIABILITY COMPANY ORGANIZATION, INCLUDING A CORPORATION (BUT NOT INCLUDING A PARTNERSHIP, JOINT VENTURE OR LIMITED LIABILITY

COMPANY)

BUSINESS DESCRIPTION:

CG DS 01 10 01 c ISO Properties, Inc., 2000

COMPANY NAME

POLICY PERIOD: FROM TO

PRODUCER NAME

NAMED INSURED

MAILING ADDRESS

AT 12:01 A.M. TIME AT

YOUR MAILING ADDRESS SHOWN ABOVE

Page of

SGL 4600247

SENECA SPECIALTY INSURANCE COMPANY

12/18/2015

AerialVid.com, LLC

X

Photography/Videography

1 5

123 Orleans Pl.

West Monroe, LA 71291

Networked Insurance Agents

443 Crown Point Circle

Suite A

Grass Valley, CA 95945

12/18/2014

$1,000,000

$100,000

$5,000

Excluded

$2,000,000

$1,000,000
ALL PREMISES YOU OWN, RENT OR OCCUPY

LOC NO. ADDRESS OF ALL PREMISES YOU OWN, RENT OR OCCUPY

Page of 2 5 c ISO Properties, Inc., 2000 CG DS 01 10 01

001-001 123 Orleans Pl.

Ouachita

West Monroe, LA 71291
CG DS 01 10 01 c ISO Properties, Inc., 2000 Page of

CLASSIFICATION AND PREMIUM

CLASSIFICATION CODE PREMIUM RATE ADVANCE PREMIUM

NO. BASE Prem/

Ops

Prod/Comp

Ops

Prem/

Ops

Prod/Comp

Ops

LOC

NO.

3 5

Photographers

Products-completed operations are subject to the General

Aggregate Limit

TERRITORY: 503

001-001 16471 23,500

Gross Sales

26.988 Incl. $1,250 MP Incl.
CG DS 01 10 01 c ISO Properties, Inc., 2000 Page of

CLASSIFICATION AND PREMIUM

CLASSIFICATION CODE PREMIUM RATE ADVANCE PREMIUM

NO. BASE Prem/

Ops

Prod/Comp

Ops

Prem/

Ops

Prod/Comp

Ops

LOC

NO.

4 5

Blanket Additional Insured $150
c ISO Properties, Inc., 2000 CG DS 01 10 01

STATE TAX OR OTHER (if applicable)

TOTAL PREMIUM (SUBJECT TO

AUDIT)

PREMIUM SHOWN IS PAYABLE: AT INCEPTION

AT EACH ANNIVERSARY

(IF POLICY PERIOD IS MORE THAN ONE YEAR AND PREMIUM IS PAID IN ANNUAL INSTALLMENTS)

AUDIT PERIOD (IF APPLICABLE) ANNUALLY SEMIANNUALLYQUARTERLY MONTHLY

ENDORSEMENTS

ENDORSEMENTS ATTACHED TO THIS POLICY:

THESE DECLARATIONS, TOGETHER WITH THE COMMON POLICY CONDITIONS AND COVERAGE

FORM(S) AND ANY ENDORSEMENT(S), COMPLETE THE ABOVE NUMBERED POLICY.

Countersigned: By:

(Date) (Authorized Representative)

Page of 5 5

X

See Schedule of Forms and Endorsements

$1,400
COMMERCIAL GENERAL LIABILITY

17-232 (04/06)

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

17-232 (04/06) Page 1 of 1

COVERAGE FOR USE OF REMOTE CONTROLLED

AIRCRAFT

This endorsement modifies insurance provided under the following: 

COMMERCIAL GENERAL LIABILITY COVERAGE PART 

With respect to the Aircraft, Auto Or Watercraft exclusion (Section I) only, the exclusion does not apply to: 

Remote Controlled Aircraft used in the insured’s business, intended for operation within line of sight from the

operator, with a design payload of no more than twenty-five (25) pounds and maximum design power rating of

eight horsepower. 
41-176 (04/90)

SENECA INSURANCE COMPANY, INC.

COMMERCIAL GENERAL LIABILITY

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

EXCLUSION - ASBESTOS

This endorsement modifies insurance provided under the following: 

Commercial General Liability Coverage Part 

Products / Completed Operations Liability Coverage Part 

This insurance does not apply to "bodily injury", "property damage", or "personal injury" arising

out of: 

1. Asbestos or any product or material containing asbestos or the existence of asbestos in

any place or thing or in the atmosphere, land, or any water course or body of water.

2. Any loss, cost or expense arising out of testing for, monitoring, cleaning up, containing,

treating or removing asbestos or any product or material containing asbestos. 

All other terms and conditions of this policy remain unchanged. 
POLICY NUMBER: COMMERCIAL GENERAL LIABILITY

SENECA INSURANCE COMPANY, INC.

COMMERCIAL GENERAL LIABILITY POLICY

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT

CAREFULLY.

LIMITATION OF COVERAGE TO USE OF REMOTE

CONTROLLED AIRCRAFT

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

This insurance applies only to "bodily injury", "property damage", and medical expenses arising

directly out of the ownership, maintenance or use of Remote Controlled Aircraft used in the

insured’s business, intended for operation within line of sight from the operator, with a design

payload of no more than twenty-five (25) pounds and maximum design power rating of eight

horsepower. 

17-240 (04/07) Copyright, Insurance Services Office, Inc., 1997 Page 1 of 1
COMMERCIAL GENERAL LIABILITY

CG 00 01 04 13

CG 00 01 04 13 © Insurance Services Office, Inc., 2012 Page 1 of 16

COMMERCIAL GENERAL LIABILITY COVERAGE FORM

Various provisions in this policy restrict coverage.

Read the entire policy carefully to determine rights,

duties and what is and is not covered.

Throughout this policy the words "you" and "your"

refer to the Named Insured shown in the Declarations,

and any other person or organization qualifying as a

Named Insured under this policy. The words "we",

"us" and "our" refer to the company providing this

insurance.

The word "insured" means any person or organization

qualifying as such under Section 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 ends 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 Coverages A and B.

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.

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".
Page 2 of 16 © Insurance Services Office, Inc., 2012 CG 00 01 04 13

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"

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 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 are deemed to be

damages because of "bodily injury" or

"property damage", provided:

(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 even if the claims

against any insured allege negligence or other

wrongdoing in:

(a) The supervision, hiring, employment,

training or monitoring of others by that

insured; or

(b) Providing or failing to provide

transportation with respect to any

person that may be under the influence

of alcohol;

if the "occurrence" which caused the "bodily

injury" or "property damage", involved that

which is described in Paragraph (1), (2) or (3)

above.

However, 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".
CG 00 01 04 13 © Insurance Services Office, Inc., 2012 Page 3 of 16

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 is

used to heat, cool or dehumidify the

building, or 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) Which 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; or

(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".

(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

performing operations if the operations

are to test for, monitor, clean up,

remove, contain, treat, detoxify or

neutralize, or in any way respond to, or

assess the effects of, "pollutants".
Page 4 of 16 © Insurance Services Office, Inc., 2012 CG 00 01 04 13

(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

(b) Claim or suit by or on behalf of a

governmental authority for damages

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".

However, this paragraph does not apply to

liability for damages because of "property

damage" that the insured would have in the

absence of such request, demand, order or

statutory or regulatory requirement, or such

claim or "suit" by or on behalf of a

governmental authority.

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) Less than 26 feet long; and

(b) Not being used to carry persons 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; or

(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 under

the definition of "mobile equipment" if it

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".

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", however

caused, arising, directly or indirectly, 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;
CG 00 01 04 13 © Insurance Services Office, Inc., 2012 Page 5 of 16

(4) Personal property in the care, custody or

control of the insured;

(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 "property damage" (other than

damage by fire) to premises, including the

contents of such premises, rented to you for a

period of seven or fewer consecutive days. A

separate limit of insurance applies to Damage

To Premises Rented To You as described in

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".

As used in this exclusion, 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, CDROMs, tapes, drives, cells, data processing

devices or any other media which are used

with electronically controlled equipment.

q. Recording And Distribution Of Material Or

Information In Violation Of Law

"Bodily injury" or "property damage" arising

directly or indirectly out of any action or

omission that violates or is alleged to violate:

(1) The Telephone Consumer Protection Act

(TCPA), including any amendment of or

addition to such law;

(2) The CAN-SPAM Act of 2003, including any

amendment of or addition to such law;

(3) The Fair Credit Reporting Act (FCRA), and

any amendment of or addition to such law,

including the Fair and Accurate Credit

Transactions Act (FACTA); or
Page 6 of 16 © Insurance Services Office, Inc., 2012 CG 00 01 04 13

(4) Any federal, state or local statute,

ordinance or regulation, other than the

TCPA, CAN-SPAM Act of 2003 or FCRA

and their amendments and additions, that

addresses, prohibits, or limits the printing,

dissemination, disposal, collecting,

recording, sending, transmitting,

communicating or distribution of material or

information.

Exclusions c. through n. do not apply to damage

by fire to premises while rented to you or

temporarily occupied by you with permission of the

owner. A separate limit of insurance applies to this

coverage as described in 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 Coverages A and B.

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".

b. Material Published With Knowledge Of

Falsity

"Personal and advertising injury" arising out of

oral or written publication, in any manner, of

material, if done by or at the direction of the

insured with knowledge of its falsity.

c. Material Published Prior To Policy Period

"Personal and advertising injury" arising out of

oral or written publication, in any manner, of

material whose first publication took place

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 that the insured would

have in the absence of the contract or

agreement.

f. Breach Of Contract

"Personal and advertising injury" arising out of

a breach of contract, except an implied

contract to use another's advertising idea in

your "advertisement".

g. Quality Or Performance Of Goods Failure

To Conform To Statements

"Personal and 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

"Personal and advertising injury" arising out of

the wrong description of the price of goods,

products or services stated in your

"advertisement".
CG 00 01 04 13 © Insurance Services Office, Inc., 2012 Page 7 of 16

i. Infringement Of Copyright, Patent,

Trademark Or Trade Secret

"Personal and advertising injury" arising out of

the infringement of copyright, patent,

trademark, trade secret or other intellectual

property rights. Under this exclusion, such

other intellectual property rights do not include

the use of another's advertising idea in your

"advertisement".

However, this exclusion does not apply to

infringement, in your "advertisement", of

copyright, trade dress or slogan.

j. Insureds In Media And Internet Type

Businesses

"Personal and advertising injury" committed by

an insured whose business is:

(1) Advertising, broadcasting, publishing or

telecasting;

(2) Designing or determining content of web

sites for others; or

(3) An Internet search, access, content or

service provider.

However, this exclusion does not apply to

Paragraphs 14.a., b. and c. of "personal and

advertising injury" under the Definitions

section.

For the purposes of this exclusion, the placing

of frames, borders or links, or advertising, for

you or others anywhere on the Internet, is not

by itself, considered the business of

advertising, broadcasting, publishing or

telecasting.

k. Electronic Chatrooms Or Bulletin Boards

"Personal and advertising injury" arising out of

an electronic chatroom or bulletin board the

insured hosts, 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 a

governmental authority for damages

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", however

caused, arising, directly or indirectly, 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. Recording And Distribution Of Material Or

Information In Violation Of Law

"Personal and advertising injury" arising

directly or indirectly out of any action or

omission that violates or is alleged to violate:

(1) The Telephone Consumer Protection Act

(TCPA), including any amendment of or

addition to such law;

(2) The CAN-SPAM Act of 2003, including any

amendment of or addition to such law;

(3) The Fair Credit Reporting Act (FCRA), and

any amendment of or addition to such law,

including the Fair and Accurate Credit

Transactions Act (FACTA); or

(4) Any federal, state or local statute,

ordinance or regulation, other than the

TCPA, CAN-SPAM Act of 2003 or FCRA

and their amendments and additions, that

addresses, prohibits, or limits the printing,

dissemination, disposal, collecting,

recording, sending, transmitting,

communicating or distribution of material or

information.
Page 8 of 16 © Insurance Services Office, Inc., 2012 CG 00 01 04 13

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.

SUPPLEMENTARY PAYMENTS COVERAGES A

AND B

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 $250 for 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 $250 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.
CG 00 01 04 13 © Insurance Services Office, Inc., 2012 Page 9 of 16

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" 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 Coverage A Bodily Injury

And Property Damage Liability, such payments will

not be deemed to be damages for "bodily injury"

and "property damage" 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 we have used up the applicable limit of

insurance in the payment of judgments or

settlements or 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.
Page 10 of 16 © Insurance Services Office, Inc., 2012 CG 00 01 04 13

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 and advertising

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.

(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.

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.

3. Any organization you newly acquire or form, other

than a partnership, joint venture or limited liability

company, and over which you maintain ownership

or majority interest, 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 90th 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.

No person or organization is an 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 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.
CG 00 01 04 13 © Insurance Services Office, Inc., 2012 Page 11 of 16

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 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".

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

"property damage" to any one premises, while

rented to you, or in the case of damage by fire,

while rented to you or temporarily occupied by you

with permission of the owner.

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";

(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.

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.
Page 12 of 16 © Insurance Services Office, Inc., 2012 CG 00 01 04 13

4. Other Insurance

If other valid and collectible 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 follows:

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.

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 Fire insurance for premises

rented to you or temporarily

occupied by you with permission of

the owner;

(iii) That is insurance purchased by you

to cover your liability as a tenant for

"property damage" to premises

rented to you or temporarily

occupied by you with permission of

the owner; or

(iv) If the loss arises out of the

maintenance or use of aircraft,

"autos" or watercraft to the extent not

subject to Exclusion g. of Section I

Coverage A Bodily Injury And

Property Damage Liability.

(b) Any other primary insurance available to

you covering liability for damages

arising out of the premises or

operations, or the products and

completed operations, for which you

have been added as an additional

insured.

(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.

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.

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;
CG 00 01 04 13 © Insurance Services Office, Inc., 2012 Page 13 of 16

b. Those statements are based upon

representations you made to us; and

c. We have issued this policy in reliance upon

your representations.

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 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. "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".

3. "Bodily injury" means bodily injury, sickness or

disease sustained by a person, including death

resulting from any of these at any time.

4. "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.

5. "Employee" includes a "leased worker".

"Employee" does not include a "temporary

worker".

6. "Executive officer" means a person holding any of

the officer positions created by your charter,

constitution, bylaws or any other similar governing

document.

7. "Hostile fire" means one which becomes

uncontrollable or breaks out from where it was

intended to be.

8. "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.
Page 14 of 16 © Insurance Services Office, Inc., 2012 CG 00 01 04 13

9. "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 damage by fire to premises

while rented to you or temporarily occupied by

you with permission of the owner 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" or "property

damage" 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, road-beds, 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 (2) above and supervisory, inspection,

architectural or engineering activities.

10."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".

11."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".

12."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.
CG 00 01 04 13 © Insurance Services Office, Inc., 2012 Page 15 of 16

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 vehicles that are subject to a compulsory

or financial responsibility law or other motor

vehicle insurance law where it is licensed or

principally garaged. Land vehicles subject to a

compulsory or financial responsibility law or other

motor vehicle insurance law are considered

"autos".

13."Occurrence" means an accident, including

continuous or repeated exposure to substantially

the same general harmful conditions.

14."Personal and advertising injury" means injury,

including consequential "bodily injury", arising out

of one or more of the following offenses:

a. False arrest, detention or imprisonment;

b. Malicious prosecution;

c. 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, committed by or on behalf of its

owner, landlord or lessor;

d. Oral or written publication, in any manner, of

material that slanders or libels a person or

organization or disparages a person's or

organization's goods, products or services;

e. Oral or written publication, in any manner, of

material that violates a person's right of

privacy;

f. The use of another's advertising idea in your

"advertisement"; or

g. Infringing upon another's copyright, trade dress

or slogan in your "advertisement".

15."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.

16."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.

17."Property damage" means:

a. Physical injury to tangible property, including

all resulting loss of use of that property. All

such loss of use shall 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 shall 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.
Page 16 of 16 © Insurance Services Office, Inc., 2012 CG 00 01 04 13

As used in this definition, 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, CDROMs, tapes, drives, cells, data processing

devices or any other media which are used with

electronically controlled equipment.

18."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.

19."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.

20."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.

21."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.

22."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.
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POLICY NUMBER: COMMERCIAL GENERAL LIABILITY

CG 03 00 01 96

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

DEDUCTIBLE LIABILITY INSURANCE

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART

SCHEDULE

Coverage Amount and Basis of Deductible

PER CLAIM or PER OCCURRENCE

Bodily Injury Liability

OR

Property Damage Liability

OR

Bodily Injury Liability and/or

Property Damage Liability Combined

(If no entry appears above, information required to complete this endorsement will be shown in the Declarations as

applicable to this endorsement.)

APPLICATION OF ENDORSEMENT (Enter below any limitations on the application of this endorsement. If no

limitation is entered, the deductibles apply to damages for all "bodily injury" and "property damage", however

caused):

A. Our obligation under the Bodily Injury Liability and

Property Damage Liability Coverages to pay damages on your behalf applies only to the amount of

damages in excess of any deductible amounts

stated in the Schedule above as applicable to such

coverages.

b. Under Property Damage Liability Coverage,

to all damages sustained by any one person

because of "property damage"; or

c. Under Bodily Injury Liability and/or Property

Damage Liability Coverage Combined, to all

damages sustained by any one person beB. You may select a deductible amount on either a cause of:

per claim or a per "occurrence" basis. Your selected deductible applies to the coverage option

and to the basis of the deductible indicated by the

placement of the deductible amount in the Schedule above. The deductible amount stated in the

Schedule above applies as follows:

"Bodily injury";

"Property damage"; or

(3) "Bodily injury" and "property damage"

combined

as the result of any one "occurrence".

1. PER CLAIM BASIS. If the deductible amount

indicated in the Schedule above is on a per

claim basis, that deductible applies as follows:

If damages are claimed for care, loss of services or death resulting at any time from "bodily

injury", a separate deductible amount will be

applied to each person making a claim for such

damages.

a. Under Bodily Injury Liability Coverage, to all

damages sustained by any one person because of "bodily injury"; With respect to "property damage", person includes an organization.

CG 03 00 01 96 Copyright, Insurance Services Office, Inc., 1994 Page

(2)

(1)

of

SGL 4600247

1 2

$500
2. PER OCCURRENCE BASIS. If the deductible

amount indicated in the Schedule above is on a

"per occurrence" basis, that deductible amount

applies as follows:

C. The terms of this insurance, including those with

respect to:

1. Our right and duty to defend the insured

against any "suits" seeking those damages;

a. Under Bodily Injury Liability Coverage, to all and

damages because of "bodily injury"; 2. Your duties in the event of an "occurrence",

b. Under Property Damage Liability Coverage, claim, or "suit"

to all damages because of "property damage"; or apply irrespective of the application of the deductible amount.

c. Under Bodily Injury Liability and/or Property

Damage Liability Coverage Combined, to all

damages because of:

D. We may pay any part or all of the deductible

amount to effect settlement of any claim or "suit"

and, upon notification of the action taken, you shall

promptly reimburse us for such part of the deductible amount as has been paid by us."Bodily injury";

(2) "Property damage"; or

(3) "Bodily injury" and "property damage"

combined

as the result of any one "occurrence", regardless of the number of persons or organizations

who sustain damages because of that "occurrence".

Page Copyright, Insurance Services Office, Inc., 1994 CG 03 00 01 96

(1)

2 of 2
POLICY NUMBER: COMMERCIAL GENERAL LIABILITY

CG 20 26 04 13

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

ADDITIONAL INSURED DESIGNATED

PERSON OR ORGANIZATION

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE

Name Of Additional Insured Person(s) Or Organization(s):

Information required to complete this Schedule, if not shown above, will be shown in the Declarations.

A. Section II Who Is An Insured is amended to

include as an additional insured the person(s) or

organization(s) shown in the Schedule, but only

with respect to liability for "bodily injury", "property

damage" or "personal and advertising injury"

caused, in whole or in part, by your acts or

omissions or the acts or omissions of those acting

on your behalf:

B. With respect to the insurance afforded to these

additional insureds, the following is added to

Section III Limits Of Insurance:

If coverage provided to the additional insured is

required by a contract or agreement, the most we

will pay on behalf of the additional insured is the

amount of insurance:

Required by the contract or agreement; or 1. In the performance of your ongoing operations;

or 2. Available under the applicable Limits of

Insurance shown in the Declarations; 2. In connection with your premises owned by or

rented to you. whichever is less.

This endorsement shall not increase the

applicable Limits of Insurance shown in the

Declarations.

However:

1. The insurance afforded to such additional

insured only applies to the extent permitted by

law; and

2. If coverage provided to the additional insured is

required by a contract or agreement, the

insurance afforded to such additional insured

will not be broader than that which you are

required by the contract or agreement to

provide for such additional insured.

1.

CG 20 26 04 13 c Insurance Services Office, Inc., 2012 Page of

As Required By Written Contract

SGL 4600247

1 1
COMMERCIAL GENERAL LIABILITY

CG 21 06 05 14

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CG 21 06 05 14 © Insurance Services Office, Inc., 2013 Page 1 of 1

EXCLUSION ACCESS OR DISCLOSURE OF

CONFIDENTIAL OR PERSONAL INFORMATION AND

DATA-RELATED LIABILITY WITH

LIMITED BODILY INJURY EXCEPTION

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

A. Exclusion 2.p. of Section I Coverage A

Bodily Injury And Property Damage Liability is

replaced by the following:

2. Exclusions

This insurance does not apply to:

p. Access Or Disclosure Of Confidential Or

Personal Information And Data-related

Liability

Damages arising out of:

(1) Any access to or disclosure of any

person's or organization's confidential or

personal information, including patents,

trade secrets, processing methods,

customer lists, financial information,

credit card information, health

information or any other type of

nonpublic information; or

(2) The loss of, loss of use of, damage to,

corruption of, inability to access, or

inability to manipulate electronic data.

This exclusion applies even if damages are

claimed for notification costs, credit

monitoring expenses, forensic expenses,

public relations expenses or any other loss,

cost or expense incurred by you or others

arising out of that which is described in

Paragraph (1) or (2) above.

However, unless Paragraph (1) above

applies, this exclusion does not apply to

damages because of "bodily injury".

As used in this exclusion, 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.

B. The following is added to Paragraph 2.

Exclusions of Section I Coverage B

Personal And Advertising Injury Liability:

2. Exclusions

This insurance does not apply to:

Access Or Disclosure Of Confidential 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, including patents, trade secrets,

processing methods, customer lists, financial

information, credit card information, health

information or any other type of nonpublic

information.

This exclusion applies even if damages are

claimed for notification costs, credit monitoring

expenses, forensic expenses, public relations

expenses or any other loss, cost or expense

incurred by you or others arising out of any

access to or disclosure of any person's or

organization's confidential or personal

information.
COMMERCIAL GENERAL LIABILITY

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CG 21 38 11 85 Copyright, Insurance Services Office, Inc., 1984 Page 1 of 1 ±

EXCLUSION – PERSONAL AND ADVERTISING INJURY

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART.

COVERAGE B (Section I) does not apply and none of the references to it in the Coverage Part apply.
COMMERCIAL GENERAL LIABILITY

CG 21 47 12 07

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CG 21 47 12 07 © ISO Properties, Inc., 2006 Page 1 of 1

EMPLOYMENT-RELATED PRACTICES EXCLUSION

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

A. The following exclusion is added to Paragraph 2.,

Exclusions of Section I – Coverage A – Bodily

Injury And Property Damage Liability:

This insurance does not apply to: 

"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 practices, policies,

acts or omissions, such as coercion, demotion, evaluation, reassignment, discipline,

defamation, harassment, humiliation, discrimination or malicious prosecution directed at that person; 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 employmentrelated practices described in Paragraphs (a),

(b), or (c) above is directed. 

This exclusion applies:

(1) Whether the injury-causing event described in

Paragraphs (a), (b) or (c) above occurs before

employment, during employment or after employment of that person;

(2) Whether the insured may be liable as an employer or in any other capacity; and 

(3) To any obligation to share damages with or

repay someone else who must pay damages

because of the injury.

B. The following exclusion is added to Paragraph 2.,

Exclusions of Section I – Coverage B – Personal And Advertising Injury Liability:

This insurance does not apply to: 

"Personal and advertising 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 practices, policies,

acts or omissions, such as coercion, demotion, evaluation, reassignment, discipline,

defamation, harassment, humiliation, discrimination or malicious prosecution directed at that person; or 

(2) The spouse, child, parent, brother or sister of

that person as a consequence of "personal and

advertising injury" to that person at whom any

of the employment-related practices described

in Paragraphs (a), (b), or (c) above is directed. 

This exclusion applies: 

(1) Whether the injury-causing event described in

Paragraphs (a), (b) or (c) above occurs before

employment, during employment or after employment of that person;

(2) Whether the insured may be liable as an employer or in any other capacity; and 

(3) To any obligation to share damages with or

repay someone else who must pay damages

because of the injury. 
ÝÑÓÓÛÎÝ×ßÔ ÙÛÒÛÎßÔ Ô×ßÞ×Ô×ÌÇ

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1⁄2 ́»¿2 «°ô ®»3±a»ô 1⁄2±2¬¿·2ô ¬®»¿¬ô 1⁄4»¬± ̈ó

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øî÷ ß2§  ́±­­ô 1⁄2±­¬ ±® » ̈°»2­» ¿®·­·21 ±«¬ ±o ¿2§æ 

ø¿÷ Î» ̄«»­¬ô 1⁄4»3¿21⁄4ô ±®1⁄4»® ±® ­¬¿¬«¬±®§ ±®

®»1« ́¿¬±®§ ®» ̄«·®»3»2¬ ¬ ̧¿¬ ¿2§ ·2­«®»1⁄4 ±®

±¬ ̧»®­ ¬»­¬ o±®ô 3±2·¬±®ô 1⁄2 ́»¿2 «°ô ®»3±a»ô

1⁄2±2¬¿·2ô ¬®»¿¬ô 1⁄4»¬± ̈·o§ ±® 2»«¬®¿ ́·¦»ô ±® ·2

¿2§ ©¿§ ®»­°±21⁄4 ¬±ô ±® ¿­­»­­ ¬ ̧» »oo»1⁄2¬­

±oô þ°± ́ ́«¬¿2¬­þå ±® 

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3»2¬¿ ́ ¿«¬ ̧±®·¬§ o±® 1⁄4¿3¿1»­ 3⁄4»1⁄2¿«­» ±o

¬»­¬·21 o±®ô 3±2·¬±®·21ô 1⁄2 ́»¿2·21 «°ô ®»3±aó

·21ô 1⁄2±2¬¿·2·21ô ¬®»¿¬·21ô 1⁄4»¬± ̈·o§·21 ±® 2»«ó

¬®¿ ́·¦·21ô ±® ·2 ¿2§ ©¿§ ®»­°±21⁄4·21 ¬±ô ±® ¿­ó

­»­­·21 ¬ ̧» »oo»1⁄2¬­ ±oô þ°± ́ ́«¬¿2¬­þò 
COMMERCIAL GENERAL LIABILITY

CG 21 73 01 08

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CG 21 73 01 08 © ISO Properties, Inc., 2007 Page 1 of 1

EXCLUSION OF CERTIFIED ACTS OF TERRORISM

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

LIQUOR LIABILITY COVERAGE PART

OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART

POLLUTION LIABILITY COVERAGE PART

PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART

RAILROAD PROTECTIVE LIABILITY COVERAGE PART

UNDERGROUND STORAGE TANK POLICY

A. The following exclusion is added:

This insurance does not apply to:

TERRORISM

"Any injury or damage" arising, directly or indirectly, out of a "certified act of terrorism".

B. The following definitions are added:

1. For the purposes of this endorsement, "any

injury or damage" means any injury or damage

covered under any Coverage Part to which this

endorsement is applicable, and includes but is

not limited to "bodily injury", "property damage", "personal and advertising injury", "injury"

or "environmental damage" as may be defined

in any applicable Coverage Part.

2. "Certified act of terrorism" means an act that is

certified by the Secretary of the Treasury, in

concurrence with the Secretary of State and

the Attorney General of the United States, to

be an act of terrorism pursuant to the federal

Terrorism Risk Insurance Act. The criteria contained in the Terrorism Risk Insurance Act for a

"certified act of terrorism" include the following:

a. The act resulted in insured losses in excess

of $5 million in the aggregate, attributable to

all types of insurance subject to the Terrorism Risk Insurance Act; and 

b. The act is a violent act or an act that is

dangerous to human life, property or infrastructure and is committed by an individual

or individuals as part of an effort to coerce

the civilian population of the United States

or to influence the policy or affect the conduct of the United States Government by

coercion.
COMMERCIAL GENERAL LIABILITY

CG 21 87 01 07

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CG 21 87 01 07 © ISO Properties, Inc., 2005 Page 1 of 3

CONDITIONAL EXCLUSION OF TERRORISM 

(RELATING TO DISPOSITION OF FEDERAL TERRORISM 

RISK INSURANCE ACT)

This endorsement modifies insurance provided under the following: 

COMMERCIAL GENERAL LIABILITY COVERAGE PART

LIQUOR LIABILITY COVERAGE PART

OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART

POLLUTION LIABILITY COVERAGE PART

PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART

RAILROAD PROTECTIVE LIABILITY COVERAGE PART

UNDERGROUND STORAGE TANK POLICY

A. Applicability Of The Provisions Of This

Endorsement 

1. The provisions of this endorsement become applicable commencing on the date

when any one or more of the following first

occurs. But if your policy (meaning the policy period in which this endorsement applies) begins after such date, then the provisions of this endorsement become

applicable on the date your policy begins. 

a. The federal Terrorism Risk Insurance

Program ("Program"), established by the

Terrorism Risk Insurance Act, has terminated with respect to the type of insurance provided under this Coverage

Part or Policy; or

b. A renewal, extension or replacement of

the Program has become effective without a requirement to make terrorism

coverage available to you and with revisions that:

(1) Increase our statutory percentage

deductible under the Program for terrorism losses. (That deductible determines the amount of all certified

terrorism losses we must pay in a

calendar year, before the federal government shares in subsequent payment of certified terrorism losses.);

or

(2) Decrease the federal government's

statutory percentage share in potential terrorism losses above such deductible; or 

(3) Redefine terrorism or make insurance coverage for terrorism subject

to provisions or requirements that

differ from those that apply to other

types of events or occurrences under

this policy.

2. If the provisions of this endorsement become applicable, such provisions:

a. Supersede any terrorism endorsement

already endorsed to this policy that addresses "certified acts of terrorism"

and/or "other acts of terrorism", but only

with respect to an incident(s) of terrorism (however defined) which results in

injury or damage that occurs on or after

the date when the provisions of this endorsement become applicable (for

claims made policies, such an endorsement is superseded only with respect to

an incident of terrorism (however defined) that results in a claim for injury or

damage first being made on or after the

date when the provisions of this endorsement become applicable); and

b. Remain applicable unless we notify you

of changes in these provisions, in response to federal law.
Page 2 of 3 © ISO Properties, Inc., 2005 CG 21 87 01 07

3. If the provisions of this endorsement do

NOT become applicable, any terrorism endorsement already endorsed to this policy,

that addresses "certified acts of terrorism"

and/or "other acts of terrorism", will continue in effect unless we notify you of

changes to that endorsement in response

to federal law.

B. The following definitions are added and apply

under this endorsement wherever the term terrorism, or the phrase any injury or damage, are enclosed in quotation marks: 

1. "Terrorism" means activities against persons,

organizations or property of any nature:

a. That involve the following or preparation for

the following:

(1) Use or threat of force or violence; or

(2) Commission or threat of a dangerous

act; or

(3) Commission or threat of an act that

interferes with or disrupts an electronic,

communication, information, or mechanical system; and

b. When one or both of the following applies:

(1) The effect is to intimidate or coerce a

government or the civilian population or

any segment thereof, or to disrupt any

segment of the economy; or

(2) It appears that the intent is to intimidate

or coerce a government, or to further

political, ideological, religious, social or

economic objectives or to express (or

express opposition to) a philosophy or

ideology.

2. "Any injury or damage" means any injury or

damage covered under any Coverage Part or

Policy to which this endorsement is applicable,

and includes but is not limited to "bodily injury",

"property damage", "personal and advertising

injury", "injury" or "environmental damage" as

may be defined in any applicable Coverage

Part or Policy.

C. The following exclusion is added:

EXCLUSION OF TERRORISM

We will not pay for "any injury or damage" caused

directly or indirectly by "terrorism", including action

in hindering or defending against an actual or expected incident of "terrorism". "Any injury or damage" is excluded regardless of any other cause or

event that contributes concurrently or in any sequence to such injury or damage. But this exclusion applies only when one or more of the following are attributed to an incident of

"terrorism":

1. The "terrorism" is carried out by means of the

dispersal or application of radioactive material,

or through the use of a nuclear weapon or device that involves or produces a nuclear reaction, nuclear radiation or radioactive contamination; or

2. Radioactive material is released, and it appears that one purpose of the "terrorism" was

to release such material; or

3. The "terrorism" is carried out by means of the

dispersal or application of pathogenic or poisonous biological or chemical materials; or

4. Pathogenic or poisonous biological or chemical

materials are released, and it appears that one

purpose of the "terrorism" was to release such

materials; or

5. The total of insured damage to all types of

property exceeds $25,000,000. In determining

whether the $25,000,000 threshold is exceeded, we will include all insured damage

sustained by property of all persons and entities affected by the "terrorism" and business interruption losses sustained by owners or occupants of the damaged property. For the

purpose of this provision, insured damage

means damage that is covered by any insurance plus damage that would be covered by

any insurance but for the application of any terrorism exclusions; or

6. Fifty or more persons sustain death or serious

physical injury. For the purposes of this provision, serious physical injury means:

a. Physical injury that involves a substantial

risk of death; or

b. Protracted and obvious physical disfigurement; or

c. Protracted loss of or impairment of the

function of a bodily member or organ.
CG 21 87 01 07 © ISO Properties, Inc., 2005 Page 3 of 3

Multiple incidents of "terrorism" which occur within

a 72-hour period and appear to be carried out in

concert or to have a related purpose or common

leadership will be deemed to be one incident, for

the purpose of determining whether the thresholds

in Paragraphs C.5. or C.6. are exceeded.

With respect to this Exclusion, Paragraphs C.5.

and C.6. describe the threshold used to measure

the magnitude of an incident of "terrorism" and the

circumstances in which the threshold will apply, for

the purpose of determining whether this Exclusion

will apply to that incident. When the Exclusion applies to an incident of "terrorism", there is no coverage under this Coverage Part or Policy.

In the event of any incident of "terrorism" that is

not subject to this Exclusion, coverage does not

apply to "any injury or damage" that is otherwise

excluded under this Coverage Part or Policy.
ÝÑÓÓÛÎÝ×ßÔ ÙÛÒÛÎßÔ Ô×ßÞ×Ô×ÌÇ

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ÝÑÓÓÛÎÝ×ßÔ ÙÛÒÛÎßÔ Ô×ßÞ×Ô×ÌÇ ÝÑÊÛÎßÙÛ ÐßÎÌ

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COMMERCIAL GENERAL LIABILITY

CG P 015 04 13

CG P 015 04 13 © Insurance Services Office, Inc., 2012 Page 1 of 7

2012 GENERAL LIABILITY MULTISTATE FORMS

REVISION

ADVISORY NOTICE TO POLICYHOLDERS

This is a summary of the major changes in your policy. No coverage is provided by this summary nor can it be

construed to replace any provision of your policy. You should read your policy and review your Declarations page

for complete information on the coverages you are provided. If there is any conflict between the policy and this

summary, THE PROVISIONS OF THE POLICY SHALL PREVAIL.

The major areas within the policy that broaden or reduce coverage, and other changes, are highlighted below.

This notice does not reference every editorial change made in your policy. We have followed the policy sequence

of provisions in setting out this material.

COMMERCIAL GENERAL LIABILITY COVERAGE FORMS

CG 00 01 04 13 AND CG 00 02 04 13

I. EXCLUSIONS

A. BROADENING OF COVERAGE

1. Coverage A Exclusion 2.c. (Liquor Liability) is revised to provide an exception with respect to allowing

a person to bring alcoholic beverages onto the named insured's premises for consumption on the

named insured's premises.

2. Coverage A Exclusion 2.p. (Electronic Data) is revised to introduce an exception for liability for

damages because of bodily injury.

B. OTHER CHANGES

1. Coverage A Exclusion 2.c. (Liquor Liability) is revised to reinforce that the exclusion applies even if

claims against an insured allege negligence or other wrongdoing in the supervision, hiring, employment,

training or monitoring of others, or providing or failing to provide transportation with respect to any

person that may be under the influence of alcohol.

2. Coverage A Exclusion 2.g. (Aircraft, Auto Or Watercraft) is revised to delete reference to "in the

state".

3. Coverage A Exclusion 2.q. and Coverage B Exclusion 2.p. (Recording And Distribution Of Material

Or Information In Violation Of Law) were previously added to your policy via mandatory endorsement.

The endorsement contained an exclusion addressing injury or damage arising out of any action or

omission that violates or is alleged to violate certain statutes, ordinances and regulations. This

exclusion has been incorporated directly into your policy.

4. Coverage B Exclusions 2.b. and 2.c. (Material Published With Knowledge Of Falsity and Material

Published Prior To Policy Period) are revised to reference "in any manner", with respect to oral or

written publication, for consistency with the definition of personal and advertising injury.

II. CONDITIONS

OTHER CHANGES

Condition 4. (Other Insurance) is generally revised so that the insurance provided is excess over any for

which the named insured has been added as an additional insured, whether by endorsement or any other

means.
Page 2 of 7 © Insurance Services Office, Inc., 2012 CG P 015 04 13

III. DEFINITIONS

OTHER CHANGES

1. Definition 2. (Auto) is revised to delete reference to "in the state" with respect to where a vehicle is

licensed or principally garaged.

2. Definition 12. (Mobile Equipment) is revised to delete reference to "in the state" with respect to where a

vehicle is licensed or principally garaged.

OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE FORM

COVERAGE FOR OPERATIONS OF DESIGNATED CONTRACTOR

CG 00 09 04 13

I. EXCLUSIONS

BROADENING OF COVERAGE

Exclusion 2.l. (Electronic Data) is revised to introduce an exception for liability for damages because of

bodily injury.

II. DEFINITIONS

OTHER CHANGES

1. Definition 1. (Auto) is revised to delete reference to "in the state" with respect to where a vehicle is

licensed or principally garaged.

2. Definition 10. (Mobile Equipment) is revised to delete reference to "in the state" with respect to where a

vehicle is licensed or principally garaged.

LIQUOR LIABILITY COVERAGE FORMS

CG 00 33 04 13 AND CG 00 33 04 13

WHO IS AN INSURED

BROADENING OF COVERAGE

We have included trusts as Named Insureds. In addition, trustees have been included as insureds but only

with respect to their duties as trustees.

CG 00 35 04 13 RAILROAD PROTECTIVE LIABILITY COVERAGE FORM

EXCLUSIONS

BROADENING OF COVERAGE

Exclusion 2.f.(3)(a) (Pollution) is amended to expand the exception to the exclusion with respect to bodily

injury or property damage arising out of fuel or lubricants for equipment used at the job location not just

when they escape from such equipment.
CG P 015 04 13 © Insurance Services Office, Inc., 2012 Page 3 of 7

PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE FORM

CG 00 37 04 13 AND CG 00 38 04 13

I. EXCLUSIONS

BROADENING OF COVERAGE

1. Exclusion 2.c. (Liquor Liability) is revised to provide an exception with respect to allowing a person to

bring alcoholic beverages onto the named insured's premises for consumption on the named insured's

premises.

2. Exclusion 2.l. (Electronic Data) is revised to introduce an exception for liability for damages because of

bodily injury.

II. DEFINITIONS

OTHER CHANGES

1. Exclusion 2.c. (Liquor Liability) is revised to reinforce that the exclusion applies even if claims against

an insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or

monitoring of others, or providing or failing to provide transportation with respect to any person that may

be under the influence of alcohol.

2. Definition 1. (Auto) is revised to delete reference to "in the state" with respect to where a vehicle is

licensed or principally garaged.

3. Definition 10. (Mobile Equipment) is revised to delete reference to "in the state" with respect to where a

vehicle is licensed or principally garaged.

CG 00 39 04 13 POLLUTION LIABILITY COVERAGE FORM DESIGNATED SITES

CG 00 40 04 13 POLLUTION LIABILITY LIMITED COVERAGE FORM

DESIGNATED SITES

I. EXCLUSIONS

A. BROADENING OF COVERAGE

Exclusion 2.p. (Electronic Data) is revised to introduce an exception for liability for damages because of

bodily injury.

B. OTHER CHANGES

Exclusion (Aircraft, Auto, Rolling Stock Or Watercraft) is generally revised to reinforce that the 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.

The exclusion is also revised to express that a land motor vehicle subject to compulsory or financial

responsibility laws or other motor vehicle insurance laws will not be covered with respect to its over-theroad exposures.

II. DEFINITIONS

OTHER CHANGES

1. Exclusion 2.j. (Aircraft, Auto, Rolling Stock Or Watercraft) is revised to delete reference to "in the state".

(CG 00 40 only)

2. Definition 1. (Auto) is revised to delete reference to "in the state" with respect to where a vehicle is

licensed or principally garaged.

3. Definition (Mobile Equipment) is revised to delete reference to "in the state" with respect to where a

vehicle is licensed or principally garaged.
Page 4 of 7 © Insurance Services Office, Inc., 2012 CG P 015 04 13

CG 00 42 04 13 UNDERGROUND STORAGE TANK POLICY DESIGNATED TANKS

EXCLUSIONS

BROADENING OF COVERAGE

Exclusion 2.i. (Electronic Data) is revised to introduce an exception for liability for damages because of

bodily injury.

CG 00 65 04 13 ELECTRONIC DATA LIABILITY COVERAGE FORM

EXCLUSIONS

OTHER CHANGES

Exclusion 2.g. (Infringement Of Intellectual Property Rights) is revised to delete the exception pertaining to

the use of another's advertising idea.

MULTISTATE ENDORSEMENTS

A. BROADENING OF COVERAGE

1. Electronic Data Liability Endorsement CG 04 37 is revised to introduce an exception to the electronic

data exclusion in order to provide that the exclusion does not apply to liability for damages because of

bodily injury.

2. Additional Insured Owners, Lessees Or Contractors Automatic Status For Other Parties When

Required In Written Construction Agreement Endorsement CG 20 38 is introduced to provide additional

insured status to those parties whom the named insured is obligated in writing in a contract or

agreement to name as an additional insured.

3. Druggists Endorsement CG 22 69 is revised to introduce an exception for the administering of

vaccinations.

4. Liquor Liability Bring Your Own Alcohol Establishments Endorsement CG 24 06 is introduced to

provide coverage to insureds who permit any person to bring any alcoholic beverage on an insured's

premises, for consumption on the insured's premises.

B. REDUCTIONS OF COVERAGE

1. Additional Insured Users Of Golfmobiles Endorsement CG 20 08 is revised to include a definition of

the term golfmobile.

2. Liquor Liability Exclusion Endorsements

The following endorsements are revised to indicate that the liquor liability exclusion will apply if a

named insured permits any person to bring any alcoholic beverages on the named insured's premises,

for consumption on the named insured's premises:

CG 21 50 Amendment Of Liquor Liability Exclusion (for use with Commercial General Liability

Coverage Part)

CG 21 51 Amendment Of Liquor Liability Exclusion Exception For Scheduled Premises Or

Activities (for use with Commercial General Liability Coverage Part)

CG 29 52 Amendment Of Liquor Liability Exclusion (for use with Products/Completed

Operations Liability Coverage Part)

CG 29 53 Amendment Of Liquor Liability Exclusion Exception For Scheduled Premises Or

Activities (for use with Products/Completed Operations Liability Coverage Part)
CG P 015 04 13 © Insurance Services Office, Inc., 2012 Page 5 of 7

3. Total Pollution Exclusion For Designated Products Or Work Endorsement CG 21 99 is introduced to

exclude coverage with respect to bodily injury or property damage arising out of the actual, alleged or

threatened discharge, dispersal, seepage, migration, release or escape of pollutants which arises out of

the product or work scheduled in the endorsement.

4. Amendment Of Personal And Advertising Injury Definition Endorsement CG 24 13 is introduced to

remove from the definition of personal and advertising injury the offense of oral and written publication,

in any manner, of material that violates a person's right of privacy.

C. OTHER CHANGES

1. Limited Product Withdrawal Expense Endorsement CG 04 36 is revised, in part, to reinforce that the

Participation Percentage is indicated in the Schedule and to reflect that the cost of the insured's

participation in each product withdrawal will be borne by the named insured when due.

2. Primary And Noncontributory Other Insurance Condition Endorsement CG 20 01 is introduced to

revise the Other Insurance Condition to indicated that coverage is provided to an additional insured on

a primary and noncontributory basis, provided that certain requirements are met.

3. Additional Insured Endorsements

The following additional insured endorsements are revised to indicate that when these endorsements

are attached to a policy, if coverage provided to the additional insured is required by contract or

agreement, coverage to the additional insured will be afforded to the extent permissible by law and to

the extent the named insured is required by the contract or agreement to provide insurance for the

additional insured.

Additionally, if coverage provided to the additional insured is required by contract or agreement, the

limits of insurance of the named insured's policy that are available to an additional insured will be

limited to the extent required by the contract or agreement or the amount of insurance available under

the applicable Limits of Insurance shown in the Declarations, whichever is less:

CG 20 03 Additional Insured Concessionaires Trading Under Your Name

CG 20 05 Additional Insured Controlling Interest

CG 20 07 Additional Insured Engineers, Architects Or Surveyors

CG 20 10 Additional Insured Owners, Lessees Or Contractors Scheduled Person Or

Organization

CG 20 11 Additional Insured Managers Or Lessors Of Premises

CG 20 12 Additional Insured State Or Governmental Agency Or Subdivision Or Political

Subdivision Permits Or Authorizations

CG 20 13 Additional Insured State Or Governmental Agency Or Subdivision Or Political

Subdivision Permits Or Authorizations Relating To Premises

CG 20 15 Additional Insured Vendors

CG 20 18 Additional Insured Mortgagee, Assignee Or Receiver

CG 20 23 Additional Insured Executors, Administrators, Trustees Or Beneficiaries

CG 20 24 Additional Insured Owners Or Other Interest From Whom Land Has Been Leased

CG 20 26 Additional Insured Designated Person Or Organization

CG 20 27 Additional Insured Co-owner Of Insured Premises

CG 20 28 Additional Insured Lessor Of Leased Equipment

CG 20 29 Additional Insured Grantor Of Franchise

CG 20 30 Oil Or Gas Operations Nonoperating, Working Interests

CG 20 31 Additional Insured Engineers, Architects Or Surveyors

CG 20 32 Additional Insured Engineers, Architects Or Surveyors Not Engaged By The Named

Insured

CG 20 33 Additional Insured Owners, Lessees Or Contractors Automatic Status When

Required In Construction Agreement With You
Page 6 of 7 © Insurance Services Office, Inc., 2012 CG P 015 04 13

CG 20 34 Additional Insured Lessor Of Leased Equipment Automatic Status When

Required In Lease Agreement With You

CG 20 35 Additional Insured Grantor Of Licenses Automatic Status When Required By

Licensor

CG 20 36 Additional Insured Grantor Of Licenses

CG 20 37 Additional Insured Owners, Lessees Or Contractors Completed Operations

CG 29 35 Additional Insured State Or Governmental Agency Or Subdivision Or Political

Subdivision Permits Or Authorizations

4. Professional Services Endorsements

The following endorsements are revised to expressly address, in part, claims alleging negligence or

other wrongdoing in the hiring, employment, training, supervision or monitoring of others by any

insured:

CG 21 16 Exclusion Designated Professional Services

CG 21 52 Exclusion Financial Services

CG 21 56 Exclusion Funeral Services

CG 21 57 Exclusion Counseling Services

CG 21 58 Exclusion Professional Veterinarian Services

CG 21 59 Exclusion Diagnostic Testing Laboratories

CG 22 24 Exclusion Inspection, Appraisal And Survey Companies

CG 22 32 Exclusion Professional Services Blood Banks

CG 22 33 Exclusion Testing Or Consulting Errors And Omissions

CG 22 34 Exclusion Construction Management Errors And Omissions

CG 22 36 Exclusion Products And Professional Services (Druggists)

CG 22 37 Exclusion Products And Professional Services (Optical And Hearing Aid

Establishments)

CG 22 39 Exclusion Camps Or Campgrounds

CG 22 43 Exclusion Engineers, Architects Or Surveyors Professional Liability

CG 22 44 Exclusion Services Furnished By Health Care Providers

CG 22 45 Exclusion Specified Therapeutic Or Cosmetic Services

CG 22 48 Exclusion Insurance And Related Operations

CG 22 69 Druggists

CG 22 71 Colleges Or Schools (Limited Form)

CG 22 72 Colleges Or Schools

CG 22 75 Professional Liability Exclusion Computer Software

CG 22 76 Professional Liability Exclusion Health Or Exercise Clubs Or Commercially

Operated Health Or Exercise Facilities

CG 22 77 Professional Liability Exclusion Computer Data Processing

CG 22 79 Exclusion Contractors Professional Liability

CG 22 80 Limited Exclusion Contractors Professional Liability

CG 22 87 Exclusion Adult Day Care Centers

CG 22 88 Professional Liability Exclusion Electronic Data Processing Services And Computer

Consulting Or Programming Services

CG 22 90 Professional Liability Exclusion Spas or Personal Enhancement Facilities

CG 22 91 Exclusion Telecommunication Equipment Or Service Providers Errors And

Omissions

CG 22 96 Limited Exclusion Personal And Advertising Injury Lawyers
CG P 015 04 13 © Insurance Services Office, Inc., 2012 Page 7 of 7

CG 22 98 Exclusion Internet Service Providers And Internet Access Providers Errors And

Omissions

CG 22 99 Professional Liability Exclusion Web Site Designers

CG 23 01 Exclusion Real Estate Agents Or Brokers Errors Or Omissions

CG 31 15 Construction Project Management Protective Liability Coverage

5. Exclusion Volunteer Workers Endorsement CG 21 66 is revised to delete reference to "in the state"

from Exclusion 2.g. (Aircraft, Auto Or Watercraft).

6. Exclusion Failure To Supply Endorsement CG 22 50 is revised to expressly state that the exclusion

also applies to the failure of any insured to adequately supply biofuel.

7. Pesticide Or Herbicide Applicator Coverage Endorsements CG 22 64 and CG 28 12 and Lawn Care

Services Coverage Endorsement CG 22 93 are revised to reflect a change in titles to Herbicide

Applicator Limited Pollution Coverage endorsements and Lawn Care Services Limited Pollution

Coverage.

8. Real Estate Property Managed Endorsement CG 22 70 is revised to reinforce that the insurance

provided is excess over any other insurance available, whether such insurance is primary or excess.

9. Colleges Or Schools Endorsements CG 22 71 and CG 22 72 are revised to expressly address, in part,

claims alleging negligence or other wrongdoing in the hiring, employment, training, supervision or

monitoring of others by any insured.

10. Waiver Of Governmental Immunity Endorsement CG 24 14 is revised to reference that the

endorsement also applies to the Owners And Contractors Protective Liability Coverage Part and the

Railroad Protective Liability Coverage Part.

11. Amendment Of Insured Contract Definition Endorsement CG 24 26 and Limited Contractual Liability

Railroads Endorsement CG 24 27 are revised to reflect that the defined term insured contract

addresses certain liability assumed by the named insured with respect to the tort liability of another

party to the extent the assumption of the tort liability is permitted by law.

12. Designated Locations(s) Aggregate Limit Endorsement CG 25 14 is introduced to make a separate

Designated Location Aggregate Limit available for each location of the insured listed in the Schedule of

the endorsement.

13. Supplemental Extended Reporting Period Endorsement CG 27 10 and Supplemental Extended

Reporting Period Endorsement For Specific Accidents, Products, Work Or Locations Endorsement

CG 27 11 are revised to amend Condition 4. (Other Insurance) so that the insurance provided is excess

over any for which the named insured has been added as an additional insured, whether by

endorsement or any other means.

14. Principals Protective Liability Coverage Endorsement CG 28 07 is revised to delete reference to "in the

state" from Exclusion 2.c.(1)(e)(i).

15. Liquor Liability Exclusion Endorsements

The following endorsements are revised to reinforce that the exclusion applies even if claims against an

insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or

monitoring of others, or providing or failing to provide transportation with respect to any person that may

be under the influence of alcohol:

CG 21 50 Amendment Of Liquor Liability Exclusion (for use with Commercial General Liability

Coverage Part)

CG 21 51 Amendment Of Liquor Liability Exclusion Exception For Scheduled Premises Or

Activities (for use with Commercial General Liability Coverage Part)

CG 29 52 Amendment Of Liquor Liability Exclusion (for use with Products/Completed

Operations Liability Coverage Part)

CG 29 53 Amendment Of Liquor Liability Exclusion Exception For Scheduled Premises Or

Activities (for use with Products/Completed Operations Liability Coverage Part)
COMMERCIAL GENERAL LIABILITY

CG P 016 05 14

CG P 016 05 14 © Insurance Services Office, Inc., 2013 Page 1 of 2

GENERAL LIABILITY ACCESS OR DISCLOSURE OF

CONFIDENTIAL OR PERSONAL INFORMATION

EXCLUSIONS

ADVISORY NOTICE TO POLICYHOLDERS

This Notice does not form part of your policy. No coverage is provided by this Notice nor can it be construed to

replace any provision of your policy. You should read your policy and review your Declarations page for complete

information on the coverages you are provided. If there is any conflict between the Policy and this Notice, THE

PROVISIONS OF THE POLICY SHALL PREVAIL.

Carefully read your policy, including the endorsements attached to your policy.

This Notice provides information concerning the following new endorsements, which applies to your renewal

policy being issued by us:

CG 21 06 05 14 Exclusion Access Or Disclosure Of Confidential Or Personal Information And Datarelated Liability With Limited Bodily Injury Exception (For Use With The Commercial General Liability

Coverage Part)

When this endorsement is attached to your policy:

Under Coverage A Bodily Injury And Property Damage Liability, coverage is excluded for damages

arising out of any access to or disclosure of confidential or personal information. This is a reinforcement of

coverage.

Under Coverage B Personal And Advertising Injury Liability, coverage is excluded for personal and

advertising injury arising out of any access to or disclosure of confidential or personal information. To the

extent that any access or disclosure of confidential or personal information results in an oral or written

publication that violates a person's right of privacy, this may result in a reduction in coverage.

CG 21 07 05 14 Exclusion Access Or Disclosure Of Confidential Or Personal Information And Datarelated Liability Limited Bodily Injury Exception Not Included (For Use With The Commercial General

Liability Coverage Part)

When this endorsement is attached to your policy:

Under Coverage A Bodily Injury And Property Damage Liability, coverage is excluded for damages

arising out of any access to or disclosure of confidential or personal information. This is a reinforcement of

coverage. However, when this endorsement is attached, it will result in a reduction of coverage due to the

deletion of an exception with respect to damages because of bodily injury arising out of loss of, loss of use

of, damage to, corruption of, inability to access, or inability to manipulate electronic data.

Under Coverage B Personal And Advertising Injury Liability, coverage is excluded for personal and

advertising injury arising out of any access to or disclosure of confidential or personal information. To the

extent that any access or disclosure of confidential or personal information results in an oral or written

publication that violates a person's right of privacy, this may result in a reduction in coverage.
Page 2 of 2 © Insurance Services Office, Inc., 2013 CG P 016 05 14

CG 21 08 05 14 Exclusion Access Or Disclosure Of Confidential Or Personal Information (Coverage B

Only) (For Use With The Commercial General Liability Coverage Part)

When this endorsement is attached to your policy, coverage is excluded for personal and advertising injury arising

out of any access to or disclosure of confidential or personal information. To the extent that any access or

disclosure of confidential or personal information results in an oral or written publication that violates a person's

right of privacy, this may result in a reduction in coverage.

CG 04 37 Electronic Data Liability (For Use With The Commercial General Liability Coverage Part)

With respect to damages arising out of access or disclosure of confidential or personal information, when this

endorsement is attached to your policy:

Under Coverage A Bodily Injury And Property Damage Liability, coverage is excluded for damages

arising out of any access to or disclosure of confidential or personal information. This is a reinforcement of

coverage.

Under Coverage B Personal And Advertising Injury Liability, coverage is excluded for personal and

advertising injury arising out of any access to or disclosure of confidential or personal information. To the

extent that any access or disclosure of confidential or personal information results in an oral or written

publication that violates a person's right of privacy, this may result in a reduction in coverage.

CG 33 53 05 14 Exclusion Access Or Disclosure Of Confidential Or Personal Information And Datarelated Liability With Limited Bodily Injury Exception (For Use With The Owners And Contractors

Protective Liability Coverage Part and Products/Completed Operations Coverage Part)

When this endorsement is attached to your policy, coverage is excluded for damages arising out of any access to

or disclosure of confidential or personal information. This is a reinforcement of coverage.

CG 33 59 05 14 Exclusion Access Or Disclosure Of Confidential Or Personal Information And Datarelated Liability Limited Bodily Injury Exception Not Included (For Use With The Owners And

Contractors Protective Liability and Products/Completed Operations Liability Coverage Parts)

When this endorsement is attached to your policy, coverage is excluded for damages arising out of any access to

or disclosure of confidential or personal information. This is a reinforcement of coverage.

However, when this endorsement is attached, it will result in a reduction of coverage due to the deletion of an

exception with respect to damages because of bodily injury arising out of loss of, loss of use of, damage to,

corruption of, inability to access, or inability to manipulate electronic data.

CG 33 63 Exclusion Access, Disclosure Or Unauthorized Use Of Electronic Data (For Use With The

Electronic Data Liability Coverage Part)

With respect to damages arising out of access or disclosure of confidential or personal information, when this

endorsement is attached to your policy coverage is excluded for damages arising out of any access to or

disclosure of confidential or personal information. This is a reinforcement of coverage.

However, to the extent that damages arising out of theft or unauthorized viewing, copying, use, corruption,

manipulation or deletion, of electronic data by any Named Insured, past or present employee, temporary worker

or volunteer worker of the Named Insured may extend beyond loss of electronic data arising out of such theft or

the other listed items, this revision may be considered a reduction in coverage.
SCHEDULE OF FORMS AND ENDORSEMENTS

NUMBER TITLE

POLICY NUMBER:

Page of

EFFECTIVE DATE:

SGL 4600247 12/18/2014

1 1

COMMON

GENERAL LIABILITY

IL DS 00 (09-08)

IL 00 17 (11-98)

IL 00 21 (09-08)

IL 02 77 (03-12)

45-002 (12-13)

45-001 (12-13)

41-472 (10-13)

45-013 (12-13)

40-075 (04-11)

CG DS 01 (10-01)

CG 00 01 (04-13)

CG 01 18 (12-04)

CG 01 25 (03-03)

CG 03 00 (01-96)

CG 20 26 (04-13)

CG 21 06 (05-14)

CG 21 38 (11-85)

CG 21 47 (12-07)

CG 21 65 (12-04)

CG 21 73 (01-08)

CG 21 87 (01-07)

CG 26 84 (12-04)

CG 32 10 (04-05)

17-232 (04-06)

41-176 (04-90)

17-240 (04-07)

Common Policy Declarations

Common Policy Conditions

Nuclear Energy Liability Exclusion Endorsement (Broad Form)

Louisiana Changes - Cancellation And Nonrenewal

Minimum Earned Premium Endorsement

Service of Suit

Notice to Policyholders - Terrorism

Surplus Lines Policy Notice - Louisiana

Claims Notification

Commercial General Liability Declarations

Commercial General Liability Coverage Form

Louisiana Changes - Legal Action Against Us

Louisiana Changes - Insuring Agreement

Deductible Liability Insurance

Additional Insured - Designated Person Or Organization

Exclusion - Access Or Disclosure Of Confidential Or Personal

Information And Data-Related Liability - With Limited Bodily Injury

Exception

Exclusion - Personal And Advertising Injury

Employment-Related Practices Exclusion

Total Pollution Exclusion With A Building Heating, Cooling And

Dehumidifying Equipment Exception And A Hostile Fire Exception

Exclusion of Certified Acts of Terrorism

Conditional Exclusion of Terrorism (Relating to Disposition of

Federal Terrorism Risk Insurance Act)

Louisiana Changes - Transfer of Rights of Recovery Against Others to

Us Condition

Louisiana Changes - Fungi Or Bacteria Exclusion

Coverage For Use Of Remote Controlled Aircraft

Asbestos Exclusion

Limitation Of Coverage To Use Of Remote Controlled Aircraft
SENECA INSURANCE COMPANY, INC.

SENECA SPECIALTY INSURANCE COMPANY

CLAIMS NOTIFICATION

For immediate claims service (available 24 hours/day – 7 days a week), you

may contact the company as follows:

Telephone #: (212) 277- 3490 

 (917) 270- 2648

Facsimile #: (212) 422-7541 Attention: Claims Department

E-Mail: claims@senecainsurance.com

In writing, to:

 Seneca Insurance Company, Inc.

 Claims Department

 160 Water Street, 16th Floor

 New York, New York 10038

ATTACH THIS NOTICE TO YOUR POLICY: This notice is for information

only and does not become a part or condition of the attached policy.

40-075 (04/11)
(Attach Declarations / Coverage Part(s), Coverage Form(s) and Endorsements Here)

In Witness Whereof, we have caused this policy to be executed and attested, but this policy shall not be valid

unless countersigned by our authorized representative.

Marc Wolin