COLONY INSURANCE 

POLICY 2014 - 2015
103 GL 0003631-00 

IL P 001 01 04 

U.S. TREASURY DEPARTMENT'S OFFICE OF FOREIGN 

ASSETS CONTROL ("OFAC") 

ADVISORY NOTICE TO POLICYHOLDERS 

No coverage is provided by this Policyholder Notice nor can it be construed to replace any provisions of your 

policy. You should read your policy and review your Declarations page for complete information on the coverages 

you are provided. 

This Notice provides information concerning possible impact on your insurance coverage due to directives issued 

by OFAC. Please read this Notice carefully. 

The Office of Foreign Assets Control (OFAC) administers and enforces sanctions policy, based on Presidential 

declarations of "national emergency". OFAC has identified and listed numerous: 

• Foreign agents; 

• Front organizations; 

• Terrorists; 

• Terrorist organizations; and 

• Narcotics traffickers; 

as "Specially Designated Nationals and Blocked Persons". This list can be located on the United States Treasury's web site - http//www.treas.gov/ofac. 

In accordance with OFAC regulations, if it is determined that you or any other insured, or any person or entity 

claiming the benefits of this insurance has violated U.S. sanctions law or is a Specially Designated National and 

Blocked Person, as identified by OFAC, this insurance will be considered a blocked or frozen contract and all 

provisions of this insurance are immediately subject to OFAC. When an insurance policy is considered to be such 

a blocked or frozen contract, no payments nor premium refunds may be made without authorization from OFAC. 

other limitations on the premiums and payments also apply. 

IL P 001 01 04 © ISO Properties, Inc., 2004 Page 1 of 1 
103 GL 0003631-00 

-ii" ARGO GROUP US 

Privacy Policy 

Argo Group US, Inc. ("Argo Group") recognizes the importance of maintaining the privacy of our 

customers and the confidentiality of each individual's nonpublic personal information, including 

Social Security numbers. We take seriously the responsibility that accompanies our collection 

of nonpublic personal information, including Social Security numbers. Accordingly, Argo's 

corporate policy is to protect the privacy and confidentiality of our consumers and their 

nonpublic personal information as required by law. 

Information Collection and Use 

In order to conveniently and effectively provide and service the insurance products we sell, we 

may collect and use Social Security numbers and other nonpublic personal information. As 

such, this policy does not prohibit the collection or use of Social Security numbers and 

nonpublic personal information where legally authorized and/or required. This policy complies 

with the requirements of the Gramm-Leach-Bliley Act (GLBA) and applicable federal and state 

laws and regulations implementing the act. Such laws impose certain obligations upon third 

persons and organizations with which we share nonpublic personal information of our 

consumers, customers, former customers, or claimants. Accordingly, we prohibit the 

unauthorized disclosure of Social Security numbers and other protected nonpublic personal 

information, except as legally required or authorized. 

Information Sharing and Disclosure 

Argo Group does not rent, sell or share your personally identifiable information (with 

nonaffiliated third parties. Argo Group may, however, share personally identifiable information 

with third-party contractors. These third-party contractors are prohibited from using the 

information for purposes other than performing services for Argo Group. Argo Group may 

disclose your information to third parties when obligated to do so by law and to investigate, 

prevent, or take action regarding suspected or actual prohibited activities, including but not 

limited to fraud and situations involving the security of our operations and employees. 

Finally, Argo Group may transfer information, including any personally identifiable information, 

to a successor entity in connection with a corporate merger, consolidation, sale of all or a 

portion of its assets, bankruptcy, or other corporate change. 

Security 

In order to protect your nonpublic personal information, we limit access to nonpublic personal 

information by only allowing authorized personnel to have access to such information. 

Furthermore, we maintain physical, electronic and procedural security protections to safeguard 

the nonpublic personal information in our records. Documents that contain an individual's 

protected information are destroyed before disposal; this destruction process includes the 

shredding of print and disposable media and deletion of electronic media. Argo Group has 

security measures in place to protect the loss, misuse and alteration of the information under 

our control. Our hardware infrastructure is housed in a controlled access facility that restricts 

access to authorized individuals. The network infrastructure is protected by a firewall and traffic 

is monitored and logged both on the firewall and servers. Sensitive administrative activities are 

carried out over secure, encrypted links between our offices and hosting facility. Administrative 

PRIVACY NOTICE - 0213 
103 GL 0003631-00 

access is limited not only to authorized employees but also to specific remote administration 

protocols and IP addresses. All employees with access to personally identifiable information 

have been advised of Argo Group's security policies and practices. Argo Group will continue to 

conduct internal audits of its security systems and make all necessary enhancements to ensure 

the safety of the website and its users. No method of transmission over the Internet or method 

of electronic storage is 100% secure; therefore, while Argo Group uses commercially 

acceptable means to protect your information, we cannot guarantee absolute security. 

Any Argo Group employee who becomes aware of the inappropriate use or disclosure of Social 

Security numbers and other protected nonpublic personal information is expected to 

immediately report such behavior to the General Counsel for further action. 

Corrected/Updated Information 

This policy applies to certain insureds of Argo Group, including but not limited to worker's 

compensation claimants. If you have any questions about this Privacy Policy, please contact: 

General Counsel 

Argo Group US, Inc. 

P.O. Box 469011 

San Antonio, Texas 78246 

(210) 321-8400 

*Note: Argo Group is the parent of Argonaut Insurance Company; Argonaut-Southwest 

Insurance Company; Argonaut-Midwest Insurance Company; Argonaut Great Central Insurance 

Company; Argonaut Limited Risk Insurance Company; ARIS Title Insurance Corporation; Select 

Markets Insurance Company; Colony Insurance Company; Colony National Insurance 

Company; Colony Specialty Insurance Company; Rockwood Casualty Insurance Company; 

Somerset Casualty Insurance Company; Grocers Insurance Agency, Inc.; Central Insurance 

Management, Inc.; Alteris Insurance Services, Inc.; Trident Insurance Services, Inc.; 

Commercial Deposit Insurance Agency, Inc.; Sonoma Risk Management, LLC; John Sutak 

Insurance Brokers, Inc.; Colony Management Services, Inc.; Argonaut Management Services, 

Inc.; and Argonaut Claims Management, LLC. This Privacy Policy applies to all companies and 

business produced or underwritten within Argo Group. 

PRIVACY NOTICE - 0213 
IMPORTANT NOTICE 

To obtain information or make a complaint: 

You may call Argo Group's toll-free 

telephone number for information or to make 

a complaint at: 

1-877 -47 4-8808 

You may contact the Texas Department of 

Insurance to obtain information on 

companies, coverages, rights or complaints 

at: 

1-800-252-3439 

You may write the Texas Department of 

Insurance: 

P.O. Box 149104 

Austin, Texas 78714-9104 

Fax#: (512) 475-1771 

Web: http://www.tdi.texas.gov 

E-Mail: consumerprotection@tdi.texas.gov 

PREMIUM OR CLAIM 

DISPUTES 

Should you have a dispute concerning your 

premium or about a claim you should contact 

the agent first. If the dispute is not resolved, 

you may contact the Texas Department of 

Insurance. 

ATTACH THIS NOTICE TO YOUR 

POLICY 

This notice is for information only and does 

not become part or condition of the attached 

document. 

TXNOTICE 0613 

103 GL 0003631-00 

AVISO IMPORTANTE 

Para obtener informacion o para someter 

una queja: 

Usted puede llamar al numero de telefono 

gratis de Argo Group para informaci6n o 

para someter una queja al: 

1-877-47 4-8808 

Puede comunicarse con el Departmento de 

Seguros de Texas para obtener informacion 

acerca de companias, coberturas, derechos 

o quejas al: 

1-800-252-3439 

Puede escribir al Departmento de Seguros 

de Texas: 

P.O. Box 149104 

Austin, Texas 78714-9104 

Fax#: (512) 475-1771 

Web: http://www.tdi.texas.gov 

E-Mail: consumerprotection@tdi.texas.gov 

DISPUTES SOBRE PRIMAS 0 

RECLAMOS 

Si tiene una disputa concerniente a su 

prima o a un reclamo, debe comunicarse 

con el agente primero. Si no se resulve la 

disputa, puede entonces comunicarse con 

el Departmento de Seguros de Texas. 

UNA ESTE AVISO A SU POLIZA 

Este aviso es solo para proposito de 

informacion y no se convierte en parte o 

condicion del documento adjunto. 

Page 1 of 1 
103 GL 0003631-00 

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. 

SERVICE OF SUIT 

If service of process is to be made upon the Company by way of hand delivery or courier service, 

delivery should be made to the Company's principal place of business: 

Claims Manager 

Colony Insurance Company, 

Colony National Insurance Company, or 

Colony Specialty Insurance Company 

8720 Stony Point Parkway, Suite 400 

Richmond, Virginia 23235 

If service of process is to be made upon the Company by way of the U.S. Postal Service, the following 

mailing address should be used: 

General Counsel 

Colony Insurance Company, 

Colony National Insurance Company, or 

Colony Specialty Insurance Company 

P.O. Box 469011 

San Antonio, Texas 78246 

Where required by statute, regulation, or other regulatory directive, the Company appoints the 

Commissioner of Insurance, or other designee specified for that purpose, as its attorney for 

acceptance of service of all legal process in the state in any action or proceeding arising out of this 

insurance. 

The Commissioner or other designee is requested to forward process to the Company as shown 

above, or if required in his/her particular state, to a designated resident agent for service of process. 

ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. 

U094-0613 Page 1 of 1 
103 GL 0003631-00 

SIGNATURE PAGE 

IN WITNESS WHEREOF, the company issuing this policy has caused this policy to be signed by its President and its 

Secretary and countersigned (if required) on the Declarations page by a duly authorized representative of the company. 

This endorsement is executed by the company stated in the Declarations. 

Colony Insurance Company 

President Secretary 

SIGCIC 1013 Argo Group Page 1 of 1 
103 GL 0003631-00 

COMMON POLICY DECLARATIONS 

Colony Insurance Company POLICY NUMBER: 103 GL 0003631-00 

8720 STONY POINT PARKWAY, SUITE 400 

RICHMOND, VA 23235 

1. NAMED INSURED AND MAILING ADDRESS: 

D L Phillips Construction, Inc. 

P.O. Box 40159 

Austin, TX 78704 

RENEWAL OF: NEW 

PRODUCER: 0010086 

Med James, Inc. 

8595 College Blvd 

Shawnee Mission, KS 66210 

Issued 04/25/2014 

2. POLICY PERIOD: From 04/21/2014 to 04/21/2015 12 01 AM. Standard Time at your Mailing Address above. 

IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL OF THE TERMS OF THIS POLICY, WE AGREE \/\J1TH 

YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY 

3. THIS POLICY CONSISTS OF THE FOLLOWING COVERAGE PARTS FOR WHICH A PREMIUM 15 INDICATED. 

THIS PREMIUM MAY BE SUBJECT TO ADJUSTMENT. 

COVERAGE PARTS PREMIUM 

Commercial General Liability Coverage Form $44,997.00 

Premium charge for coverage of certified acts of terrorism: 

(Per Terrorism Policyholder Disclosure attached.) 

or 

Coverage for certified acts of terrorism has been rejected; exclusion attached. ~ 

(Per Terrorism Policyholder Disclosure attached.) 

Deposit Premium shown is payable at inception Deposit Premium: 

Minimum Premium At Audit: 

Total Policy Premium: 

Inspection Fee: 

4. FORMS APPLICABLE TO ALL COVERAGES: 

See Form U001 - Schedule of Forms and Endorsements 

5. BUSINESS DESCRIPTION: Roofing Contractor 

Countersigned: By: 

$44,997.00 

$40,509.80 

$44,997.00 

$250.00 

Date ---------,,A"'ut""ho""ri,,.,ze""d""R.,..,ep,,,.re,.,,s.,..,en"'ta""tiv""e------

DCJ6550MD (11/08) its perm1ss1on 
103 GL 0003631-00 

Insured: D L Phillips Construction, Inc. U001 (10/04) 

Policy Number: 103 GL 0003631-00 

SCHEDULE OF FORMS AND ENDORSEMENTS 

Forms and Endorsements applying to and made part of this policy at the time of issuance: 

NUMBER 

ILP001-0104 

PRIVACYNOTICE-0213 

TXNOTICE-0613 

U094-0613 

SIGCIC-1013 

DCJ6550MD-1108 

U001-1004 

DCJ6553-0702 

CG0001-1207 

IL0017-1198 

U649C-0111 

U651-1010 

UCG2175-0711 

CG0068-0509 

CG2149-0999 

CG2167-1204 

CG2186-1204 

CG2196-0305 

CG2426-0704 

IL0021-0908 

U002 M D-0212 

U007-0410 

U009-0310 

U048-0310 

U070AS-0512 

U073-0707 

U089-0310 

U155-0310 

U173AS-0708 

U184-0702 

U250-0310 

U252-0210 

U265-0310 

U266-0510 

U267A-0813 

U276-0310 

U466-0212 

U467-0212 

U483-1211 

U527-0913 

U531-0413 

U638-0210 

U701-1011 

TITLE 

US TREASURY DEPARTMENT'S OFFICE OF FOREIGN ASSETS 

CONTROL ("OFAC") ADVISORY NOTICE TO POLICYHOLDERS 

PRIVACY NOTICE 

IMPORTANT NOTICE 

SERVICE OF SUIT 

SIGNATURE PAGE 

COMMON POLICY DECLARATIONS 

SCHEDULE OF FORMS & ENDORSEMENTS 

COMMERCIAL GENERAL LIABILITY COVERAGE PART 

DECLARATIONS 

COMMERCIAL GENERAL LIABILITY COVERAGE FORM 

COMMON POLICY CONDITIONS 

CONTRACTORS PAC 

IDENTITY RECOVERY COVERAGE 

CERTIFIED ACTS OF TERRORISM AND OTHER ACTS OF TERRORISM 

EXCLUSION 

RECORDING AND DISTRIBUTION OF MATERIAL OR INFORMATION IN 

VIOLATION OF LAW EXCLUSION 

TOTAL POLLUTION EXCLUSION ENDORSEMENT 

FUNGI OR BACTERIA EXCLUSION 

EXCLUSION - EXTERIOR INSULATION AND FINISH SYSTEMS 

SILICA OR SILICA-RELATED DUST EXCLUSION 

AMENDMENT OF INSURED CONTRACT DEFINITION 

NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT (BROAD 

FORM) 

MINIMUM POLICY PREMIUM 

OPEN ROOF AND HEATING EQUIPMENT COVERAGE LIMITATION 

AIRCRAFT PRODUCTS AND GROUNDING EXCLUSION 

EMPLOYMENT RELATED PRACTICES EXCLUSION 

DEDUCTIBLE LIABILITY INSURANCE 

EXCLUSION - CONTINUOUS, PROGRESSIVE OR REPEATED - BODILY 

INJURY, PROPERTY DAMAGE, OR PERSONAL AND ADVERTISING 

INJURY 

SUBSIDENCE EXCLUSION 

ABSOLUTE AUTO, AIRCRAFT & WATERCRAFT EXCLUSION 

CANCELLATION 

INSPECTION 

COMPOSITE RATE ENDORSEMENT 

WARRANTY OF SUBCONTRACTOR LIMITS 

PROFESSIONAL SERVICES EXCLUSION 

EXCLUSION - USL&H, JONES ACT OR OTHER MARITIME LAWS 

CROSS SUITS EXCLUSION 

EXCLUSION - BREACH OF CONTRACT 

EXCLUSION - LEAD 

EXCLUSION - ASBESTOS 

EXCLUSION - DEDICATED INSURANCE PROGRAM(S) 

EXCLUSION - NEW RESIDENTAL CONSTRUCTION WORK EXCEPT AS 

SPECIFIED 

EXCLUSION - INJURY TO TEMPORARY WORKER, VOLUNTEER 

WORKER, OR CASUAL WORKER 

EXCLUSION - IMPORTED DRYWALL DAMAGE - RESIDENTIAL 

CONSTRUCTION 

EXCLUSION - WORK HEIGHT 
NUMBER 

U730-0212 

U884-1013 

TITLE 

EXCLUSION - BENZENE 

CONDITIONAL EXCLUSION OF TERRORISM (RELATING TO 

DISPOSITION OF FEDERAL TERRORISM RISK INSURANCE ACT) 

103 GL 0003631-00 
103 GL 0003631-00 

COMMERCIAL GENERAL LIABILITY COVERAGE PART DECLARATIONS 

This coverage part consists of this Declarations form, the Common Policy Conditions, the Commercial General Liability 

Coverage Form and the endorsements indicated as applicable. 

POLICY NO. 103 GL 0003631-00 

NAMED INSURED: D L Phillips Construction, Inc. 

LIMITS OF INSURANCE 

General Aggregate Limit (other Than Products - Completed Operations) 

Products Completed Operations Aggregate Limit 

Personal & Advertising Injury Limit 

Each Occurrence Limit 

$2,000,000 

$2,000,000 

$1,000,000 

$1,000,000 

Damage To Premises Rented To You Limit 

Medical Expense Limit 

$100,000 Any One Premises 

$5,000 Any One Person 

RETROACTIVE DATE (CG 00 02 only) - Coverage A of this insurance does not apply to "bodily injury" or "property 

damage" which occurs before Retroactive Date, if any, shown below 

Retroactive Date: (Enter Date or "None" if no Retroactive Date Applies) 

Location of All Premises You Own, Rent or Occupy (Same as Item 1 unless shown below): 

128 Park 35 CVS, Austin, TX 787 45 

806 Mozelle, Pharr, TX 78577 

439 Industrial Blvd. , Austin, TX 78745 

ADVANCE PREMIUM 

CLASSIFICATION CODE NO PREMIUM BASIS RATE PR/CO ALL OTHER 

Contractors - 91585 Sub Cost If Any $24.38 Included If Any 

subcontracted work 

- in connection 

with construction, 

reconstruction, repair or 

erection of buildings -

NOC 

Roofing - residential 98677 Gross Sales $4,000,000 $11.22 Included $44,872.00 

over three stories and/or 

commercial 

Identity Recovery N/A $125.00 

Coverage Fully Earned 

FORMS/ ENDORSEMENTS APPLICABLE: TOTAL PREMIUM 

SEE FORM U001 - SCHEDULE OF FORMS AND ENDORSEMENTS FOR THIS $44,997.00 

COVERAGE PART 

FORM OF BUSINESS: Corporation 

Audit Period: Annual unless otherwise stated: 

DCJ6553 (07-02) Includes copyrighted material of Insurance Services Office, Inc. with its permission. 

Copyright, Insurance Services Office, Inc., 1984 
103 GL 0003631-00 

COMMERCIAL GENERAL LIABILITY 

CG00011207 

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 Ill - 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. 

CG00011207 © ISO Properties, Inc., 2006 Page 1 of 16 D 
e. Damages because of "bodily injury" include 

damages claimed by any person or organization for care, loss of services or death resulting 

at any time from the "bodily injury". 

2. Exclusions 

This insurance does not apply to: 

a. Expected Or Intended Injury 

"Bodily injury" or "property damage" expected 

or intended from the standpoint of the insured. 

This exclusion does not apply to "bodily injury" 

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 attorney 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 attorney 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. 

103 GL 0003631-00 

c. Liquor Liability 

"Bodily injury" or "property damage" for which 

any insured may be held liable by reason of: 

(1) Causing or contributing to the intoxication of 

any person; 

(2) The furnishing of alcoholic beverages to a 

person under the legal drinking age or under the influence of alcohol; or 

(3) Any statute, ordinance or regulation relating 

to the sale, gift, distribution or use of alcoholic beverages. 

This exclusion applies only if you are in the 

business of manufacturing, distributing, selling, 

serving or furnishing alcoholic beverages. 

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". 

Page 2 of 16 © ISO Properties, Inc., 2006 CG 00 0112 07 D 
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 

103 GL 0003631-00 

(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". 

CG00011207 © ISO Properties, Inc., 2006 Page 3 of 16 D 
(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 

103 GL 0003631-00 

(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 in the state 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; 

(4) Personal property in the care, custody or 

control of the insured; 

Page 4 of 16 © ISO Properties, Inc., 2006 CG 00 0112 07 D 
(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 7 or fewer consecutive days. A separate 

limit of insurance applies to Damage To Premises Rented To You as described in Section Ill 

- 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 

I. 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. 

103 GL 0003631-00 

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. 

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. Distribution Of Material In Violation Of 

Statutes 

"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; or 

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

amendment of or addition to such law; or 

(3) Any statute, ordinance or regulation, other 

than the TCPA or CAN-SPAM Act of 2003, 

that prohibits or limits the sending, transmitting, communicating or distribution of material or information. 

CG00011207 © ISO Properties, Inc., 2006 Page 5 of 16 D 
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 Ill - 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 Ill - 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 of material, if done by 

or at the direction of the insured with knowledge of its falsity. 

103 GL 0003631-00 

c. Material Published Prior To Policy Period 

"Personal and advertising injury" arising out of 

oral or written publication 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". 

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 websites for others; or 

Page 6 of 16 © ISO Properties, Inc., 2006 CG 00 0112 07 D 
(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. 

I. Unauthorized Use Of Another's Name Or 

Product 

"Personal and advertising injury" arising out of 

the unauthorized use of another's name or 

product in your e-mail address, domain name 

or metatag, or any other similar tactics to mislead another's potential customers. 

m. Pollution 

"Personal and advertising injury" arising out of 

the actual, alleged or threatened discharge, 

dispersal, seepage, migration, release or escape of "pollutants" at any time. 

n. Pollution-Related 

Any loss, cost or expense arising out of any: 

(1) Request, demand, order or statutory or 

regulatory requirement that any insured or 

others test for, monitor, clean up, remove, 

contain, treat, detoxify or neutralize, or in 

any way respond to, or assess the effects 

of, "pollutants"; or 

(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 

103 GL 0003631-00 

(3) Insurrection, rebellion, revolution, usurped 

power, or action taken by governmental authority in hindering or defending against any 

of these. 

p. Distribution Of Material In Violation Of 

Statutes 

"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; or 

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

amendment of or addition to such law; or 

(3) Any statute, ordinance or regulation, other 

than the TCPA or CAN-SPAM Act of 2003, 

that prohibits or limits the sending, transmitting, communicating or distribution of material or information. 

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. 

CG00011207 © ISO Properties, Inc., 2006 Page 7 of 16 D 
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 

ANDB 

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. 

103 GL 0003631-00 

f. Prejudgment interest awarded against the 

insured on that part of the judgment we pay. If 

we make an offer to pay the applicable limit of 

insurance, we will not pay any prejudgment interest based on that period of time after the offer. 

g. All interest on the full amount of any judgment 

that accrues after entry of the judgment and 

before we have paid, offered to pay, or deposited in court the part of the judgment that is 

within the applicable limit of insurance. 

These payments will not reduce the limits of insurance. 

2. If we defend an insured against a "suit" and an 

indemnitee of the insured is also named as a party 

to the "suit", we will defend that indemnitee if all of 

the following conditions are met: 

a. The "suit" against the indemnitee seeks damages for which the insured has assumed the liability of the indemnitee in a contract or 

agreement that is an "insured contract"; 

b. This insurance applies to such liability assumed by the insured; 

c. The obligation to defend, or the cost of the 

defense of, that indemnitee, has also been assumed by the insured in the same "insured 

contract"; 

d. The allegations in the "suit" and the information 

we know about the "occurrence" 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 

Page 8 of 16 © ISO Properties, Inc., 2006 CG 00 0112 07 D 
(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 15 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. 

103 GL 0003631-00 

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 Paragraphs (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). 

CG00011207 © ISO Properties, Inc., 2006 Page 9 of 16 D 
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 9Dth 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 Ill - 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. 

103 GL 0003631-00 

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 

Page 10 of 16 © ISO Properties, Inc., 2006 CG 00 0112 07 D 
(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. 

103 GL 0003631-00 

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 by attachment of an 

endorsement. 

(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. 

CG00011207 © ISO Properties, Inc., 2006 Page 11 of 16 D 
(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; 

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

103 GL 0003631-00 

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 website 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 in the state where 

it is licensed or principally garaged. 

However, "auto" does not include "mobile equipment". 

Page 12 of 16 © ISO Properties, Inc., 2006 CG 00 0112 07 D 
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, by-laws 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. 

103 GL 0003631-00 

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, roadbeds, tunnel, underpass or crossing; 

(2) That indemnifies an architect, engineer or 

surveyor for injury or damage arising out of: 

(a) Preparing, approving, or failing to prepare or approve, maps, shop drawings, 

opinions, reports, surveys, field orders, 

change orders or drawings and specifications; or 

(b) Giving directions or instructions, or 

failing to give them, if that is the primary 

cause of the injury or damage; or 

(3) Under which the insured, if an architect, 

engineer or surveyor, assumes liability for 

an injury or damage arising out of the insured's rendering or failure to render professional services, including those listed in 

(2) above and supervisory, inspection, architectural or engineering activities. 

CG00011207 © ISO Properties, Inc., 2006 Page 13 of 16 D 
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. 

103 GL 0003631-00 

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 in the state 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". 

Page 14 of 16 © ISO Properties, Inc., 2006 CG 00 0112 07 D 
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 

103 GL 0003631-00 

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. 

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, CD-ROMS, 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 short-term 

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 

CG00011207 © ISO Properties, Inc., 2006 Page 15 of 16 D 
(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 rnade at any 

tirne 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. 

Page 16 of 16 © ISO Properties, Inc., 2006 

103 GL 0003631-00 

CG 00 0112 07 D 
103 GL 0003631-00 

IL00171198 

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 lnsured's last mailing address known to 

US. 

4. Notice of cancellation will state the effective 

date of cancellation. The policy period will end 

on that date. 

5. If this 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. 

IL00171198 Copyright, Insurance Services Office, Inc., 1998 Page 1 of 1 D 
103 GL 0003631-00 

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. 

CONTRACTORS PAC 

This endorsement modifies insurance provided under the following: 

COMMERCIAL GENERAL LIABILITY COVERAGE PART 

A. SECTION II - WHO IS AN INSURED is amended to include as an additional insured all persons or 

organizations as required by written contract with the named insured, but only with respect to: 

1. Liability for "bodily injury" or "property damage" caused, in whole or in part, by "your work" 

performed for that additional insured at the location(s) as designated in a written contract and 

included in the "products-completed operations hazard". 

2. Liability for "bodily injury", "property damage" or "personal and advertising injury" caused, in whole 

or in part, by: 

a. Your acts or omissions; or 

b. The acts or omissions of those acting on your behalf; 

in the performance of your ongoing operations for the additional insured(s) at the location(s) as 

designated in a written contract. 

B. SECTION IV - COMMERCIAL GENERAL LIABILITY CONDITIONS, Paragraph 4. Other Insurance 

is amended and the following added: 

If you are required by written contract to provide primary insurance, the insurance afforded by this 

Coverage Part for all persons or organizations included as additional insureds as required by written 

contract is primary insurance, and we will not seek contribution from any other insurance available to 

that additional insured. 

C. SECTION IV - COMMERCIAL GENERAL LIABILITY CONDITIONS, Paragraph 8. Transfer Of 

Rights Of Recovery Against Others To Us is amended and the following added: 

We waive any rights of recovery we may have against any person or organization because of 

payments we make for injury or damage resulting from your ongoing operations or "your work" done 

under a contract with that person or organization and included in the "products-completed operations 

hazard" if: 

1. You agreed to such waiver; 

2. The waiver is included as part of a written contract or lease; and 

3. Such written contract or lease was executed prior to any loss to which this insurance applies. 

D. For all sums which the insured becomes legally obligated to pay as damages caused by 

"occurrences" under SECTION I - COVERAGES, COVERAGE A BODILY INJURY AND 

PROPERTY DAMAGE LIABILITY, and for all medical expenses caused by accidents under 

SECTION 1- COVERAGES, COVERAGE C MEDICAL PAYMENTS, which can be attributed only to 

ongoing operations at any construction project involving the named insured during this policy period: 

1. A separate Construction Project General Aggregate Limit applies to each construction project, 

and that limit is equal to the amount of the General Aggregate Limit shown in the Declarations. 

2. The Construction Project General Aggregate Limit is the most we will pay for the sum of all 

damages under SECTION I - COVERAGES, COVERAGE A BODILY INJURY AND 

PROPERTY DAMAGE LIABILITY, except damages because of "bodily injury" or "property 

damage" included in the "products-completed operations hazard", and for medical expenses 

under SECTION I - COVERAGES, COVERAGE C MEDICAL PAYMENTS regardless of the 

number of: 

U649C-0111 Includes copyrighted material of Insurance Services Office, Inc. 

with its permission. 

Page 1 of 2 
103 GL 0003631-00 

a. Insureds; 

b. Claims made or "suits" brought; or 

c. Persons or organizations making claims or bringing "suits". 

3. Any payments made under SECTION I - COVERAGES, COVERAGE A BODILY INJURY AND 

PROPERTY DAMAGE LIABILITY for damages or under SECTION I - COVERAGES, 

COVERAGE C MEDICAL PAYMENTS for medical expenses shall reduce the Construction 

Project General Aggregate Limit for that construction project. Such payments shall not reduce the 

General Aggregate Limit shown in the Declarations nor shall they reduce any other Construction 

Project General Aggregate Limit for any other construction project involving the named insured 

during this policy period. 

4. The limits shown in the Declarations for Each Occurrence, Damage to Premises Rented to You 

and Medical Expense continue to apply. However, instead of being subject to the General 

Aggregate Limit shown in the Declarations, such limits will be subject to the applicable 

Construction Project General Aggregate Limit. 

5. The most we will pay for the sum of all Construction Project General Aggregate Limits combined 

and to which this insurance applies is $5,000,000. 

E. For all sums which the insured becomes legally obligated to pay as damages caused by 

"occurrences" under SECTION I - COVERAGES, COVERAGE A BODILY INJURY AND 

PROPERTY DAMAGE LIABILITY, and for all medical expenses caused by accidents under 

SECTION 1- COVERAGES, COVERAGE C MEDICAL PAYMENTS, which cannot be attributed only 

to ongoing operations at any construction project involving the named insured during this policy 

period: 

1. Any payments made under SECTION I - COVERAGES, COVERAGE A BODILY INJURY AND 

PROPERTY DAMAGE LIABILITY for damages or under SECTION I - COVERAGES, 

COVERAGE C MEDICAL PAYMENTS for medical expenses shall reduce the amount available 

under the General Aggregate Limit or the Products-Completed Operations Aggregate Limit, 

whichever is applicable; and 

2. Such payments shall not reduce any Construction Project General Aggregate Limit. 

F. When coverage for liability resulting from the "products-completed operations hazard" is provided, 

any payments for damages because of "bodily injury" or "property damage" included in the "productscompleted operations hazard" will reduce the Products-Completed Operations Aggregate Limit, and 

not reduce the General Aggregate Limit nor the Construction Project General Aggregate Limit. 

G. If the applicable construction project has been abandoned, delayed, or abandoned and then 

restarted, or if the authorized contracting parties deviate from plans, blueprints, designs, 

specifications or timetables, the project will still be deemed to be the same construction project. 

H. The provisions of SECTION Ill - LIMITS OF INSURANCE not otherwise modified by this 

endorsement shall continue to apply as stipulated. 

ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. 

U649C-0111 Includes copyrighted material of Insurance Services Office, Inc. 

with its permission. 

Page 2 of 2 
103 GL 0003631-00 

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. 

IDENTITY RECOVERY COVERAGE 

IDENTITY THEFT CASE MANAGEMENT SERVICE AND EXPENSE REIMBURSEMENT 

This endorsement modifies insurance provided under the following: 

COMMERCIAL PROPERTY COVERAGE PART 

COMMERCIAL GENERAL LIABILITY COVERAGE PART 

The following Identity Recovery Coverage is added to this Policy. Identity Recovery Coverage is a first 

party coverage provided to the owners of the insured entity. Identity Recovery Coverage includes reimbursement of specified legal expenses, but such coverage is subject to the Identity Recovery coverage limit 

as specified under LIMITS below. Under Identity Recovery Coverage, we do not have a duty to defend the 

insured from claims or suits. The limit and deductible applicable to Identity Recovery Coverage are separate from and in addition to the limits and deductibles that apply to any other coverage provided under this 

Policy. The Common Policy Conditions apply to coverage under this Identity Recovery Coverage. 

IDENTITY RECOVERY COVERAGE 

We will provide the Case Management Service and Expense Reimbursement Coverage indicated below if 

all of the following requirements are met: 

1. There has been an "identity theft" involving the personal identity of an "identity recovery insured" under 

this policy; and 

2. Such "identity theft" is first discovered by the "identity recovery insured" during the policy period for 

which this Identity Recovery coverage is applicable; and 

3. Such "identity theft" is reported to us within 60 days after it is first discovered by the "identity recovery 

insured." 

If all three of the requirements listed above have been met, then we will provide the following to the "identity 

recovery insured": 

1 . Case Management Service 

Services of an "identity recovery case manager" as needed to respond to the "identity theft"; and 

2. Expense Reimbursement 

Reimbursement of necessary and reasonable "identity recovery expenses" incurred as a direct result of 

the "identity theft." 

This coverage is additional insurance. 

EXCLUSIONS 

The following additional exclusions apply to this coverage: 

We do not cover loss or expense arising from any of the following. 

1. The theft of a professional or business identity. 

2. Any fraudulent, dishonest or criminal act by an "identity recovery insured" or any person aiding or 

abetting an "identity recovery insured", or by any authorized representative of an "identity recovery 

insured", whether acting alone or in collusion with others. However, this exclusion shall not apply to the 

interests of an "identity recovery insured" who has no knowledge of or involvement in such fraud, 

dishonesty or criminal act. 

3. An "identity theft" that is not reported in writing to the police. 

U651-1010 Includes copyrighted material of ISO, Inc., 

with its permission. 

Page 1 of 4 
103 GL 0003631-00 

LIMITS 

Case Management Service is available as needed for any one "identity theft" for up to 12 consecutive 

months from the inception of the service. Expenses we incur to provide Case Management Service do not 

reduce the amount of limit available for Expense Reimbursement coverage. 

Expense Reimbursement coverage is subject to a limit of $15,000 annual aggregate per "identity recovery 

insured." Regardless of the number of claims, this limit is the most we will pay for the total of all loss or 

expense arising out of all "identity thefts" to any one "identity recovery insured" which are first discovered by 

the "identity recovery insured" during a 12-month period starting with the beginning of the present annual 

policy period. If an "identity theft" is first discovered in one policy period and continues into other policy 

periods, all loss and expense arising from such "identity theft" will be subject to the aggregate limit 

applicable to the policy period when the "identity theft" was first discovered. 

Legal costs as provided under item d. of the definition of "identity recovery expenses" are part of, and not in 

addition to, the Expense Reimbursement coverage limit. 

Item e. (Lost Wages) and item f. (Child and Elder Care Expenses) of the definition of "identity recovery 

expenses" are jointly subject to a sublimit of $5,000. This sublimit is part of, and not in addition to, the 

Expense Reimbursement coverage limit. Coverage is limited to wages lost and expenses incurred within 12 

months after the first discovery of the "identity theft" by the "identity recovery insured." 

Item g. (Mental Health Counseling) of the definition of "identity recovery expenses" is subject to a sublimit 

of $1,000. This sublimit is part of, and not in addition to, the Expense Reimbursement coverage limit. 

Coverage is limited to counseling that takes place within 12 months after the first discovery of the "identity 

theft" by the "identity recovery insured." 

Item h. (Miscellaneous Unnamed Costs) of the definition of "identity recovery expenses" is subject to a 

sublimit of $1,000. This sublimit is part of, and not in addition to, the Expenses Reimbursement coverage 

limit. Coverage is limited to costs incurred within 12 months after the first discovery of the "identity theft" by 

the "identity recovery insured." 

DEDUCTIBLE 

Neither the Case Management Service nor the Expense Reimbursement coverage is subject to a 

deductible. 

CONDITIONS 

The following additional conditions apply to this coverage: 

A. Help Line 

For assistance, the "identity recovery insured" should call the Identity Recovery Help Line at 

1-866-855-9282. 

The Identity Recovery Help Line can provide the "identity recovery insured" with: 

1. Information and advice for how to respond to a possible "identity theft"; and 

2. Instructions for how to submit a service request for Case Management Service and/or a claim form 

for Expense Reimbursement Coverage. 

In some cases, we may provide Case Management services at our expense to an "identity recovery 

insured" prior to a determination that a covered "identity theft" has occurred. Our provision of such 

services is not an admission of liability under the policy. We reserve the right to deny further 

coverage or service if, after investigation, we determine that a covered "identity theft" has not 

occurred. 

As respects Expense Reimbursement Coverage, the "identity recovery insured" must send to us, 

within 60 days after our request, receipts, bills or other records that support his or her claim for 

"identity recovery expenses." 

U651-1010 Includes copyrighted material of ISO, Inc., 

with its permission. 

Page 2 of 4 
103 GL 0003631-00 

B. Services 

The following conditions apply as respects any services provided by us or our designees to any "identity 

recovery insured" under this endorsement: 

1. Our ability to provide helpful services in the event of an "identity theft" depends on the cooperation, 

permission and assistance of the "identity recovery insured." 

2. All services may not be available or applicable to all individuals. For example, "identity recovery 

insureds" who are minors or foreign nationals may not have credit records that can be provided or 

monitored. Service in Canada will be different from service in the United States and Puerto Rico in 

accordance with local conditions. 

3. We do not warrant or guarantee that our services will end or eliminate all problems associated with 

an "identity theft" or prevent future "identity thefts." 

DEFINITIONS 

With respect to the provisions of this endorsement only, the following definitions are added: 

1. "Identity Recovery Case Manager" means one or more individuals assigned by us to assist an 

"identity recovery insured" with communications we deem necessary for re-establishing the integrity of 

the personal identity of the "identity recovery insured." This includes, with the permission and 

cooperation of the "identity recovery insured," written and telephone communications with law 

enforcement authorities, governmental agencies, credit agencies and individual creditors and 

businesses. 

2. "Identity Recovery Expenses" means the following when they are reasonable and necessary 

expenses that are incurred as a direct result of an "identity theft": 

a. Costs for re-filing applications for loans, grants or other credit instruments that are rejected solely as 

a result of an "identity theft." 

b. Costs for notarizing affidavits or other similar documents, long distance telephone calls and postage 

solely as a result of your efforts to report an "identity theft" or amend or rectify records as to your 

true name or identity as a result of an "identity theft." 

c. Costs for credit reports from established credit bureaus. 

d. Fees and expenses for an attorney approved by us for the following: 

(1) The defense of any civil suit brought against an "identity recovery insured." 

(2) The removal of any civil judgment wrongfully entered against an "identity recovery insured." 

(3) Legal assistance for an "identity recovery insured" at an audit or hearing by a governmental 

agency. 

(4) Legal assistance in challenging the accuracy of the "identity recovery insured's" consumer credit 

report. 

(5) The defense of any criminal charges brought against an "identity recovery insured" arising from 

the actions of a third party using the personal identity of the "identity recovery insured." 

e. Actual lost wages of the "identity recovery insured" for time reasonably and necessarily taken away 

from work and away from the work premises. Time away from work includes partial or whole work 

days. Actual lost wages may include payment for vacation days, discretionary days, floating holidays 

and paid personal days. Actual lost wages does not include sick days or any loss arising from time 

taken away from self employment. Necessary time off does not include time off to do tasks that 

could reasonably have been done during non-working hours. 

f. Actual costs for supervision of children or elderly or infirm relatives or dependants of the "identity 

recovery insured" during time reasonably and necessarily taken away from such supervision. Such 

care must be provided by a professional care provider who is not a relative of the "identity recovery 

insured." 

U651-1010 Includes copyrighted material of ISO, Inc., 

with its permission. 

Page 3 of 4 
103 GL 0003631-00 

g. Actual costs for counseling from a licensed mental health professional. Such care must be provided 

by a professional care provider who is not a relative of the "identity recovery insured." 

h. Any other reasonable costs necessarily incurred by an "identity recovery insured" as a direct result 

of the "identity theft." 

(1) Such costs include: 

(a) Costs by the "identity recovery insured" to recover control over his or her personal identity. 

(b) Deductibles or service fees from financial institutions. 

(2) Such costs do not include: 

(a) Costs to avoid, prevent or detect "identity theft" or other loss. 

(b) Money lost or stolen. 

(c) Costs that are restricted or excluded elsewhere in this endorsement or policy. 

3. "Identity Recovery Insured" means the following: 

a. When the entity insured under this policy is a sole proprietorship, the "identity recovery insured" is 

the individual person who is the sole proprietor of the insured entity. 

b. When the entity insured under this policy is a partnership, the "identity recovery insureds" are the 

current partners. 

c. When the entity insured under this policy is a corporation or other organization, the "identity 

recovery insureds" are all individuals having an ownership position of 20% or more of the insured 

entity. However, if and only if there is no one who has such an ownership position, then the "identity 

recovery insured" shall be: 

(1) The chief executive of the insured entity; or 

(2) As respects a religious institution, the senior ministerial employee. 

An "identity recovery insured" must always be an individual person. The entity insured under this policy 

is not an "identity recovery insured." 

4. "Identity Theft" means the fraudulent use of the social security number or other method of identifying 

an "identity recovery insured." This includes fraudulently using the personal identity of an "identity 

recovery insured" to establish credit accounts, secure loans, enter into contracts or commit crimes. 

"Identity theft" does not include the fraudulent use of a business name, d/b/a or any other method of 

identifying a business activity. 

U651-1010 

ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. 

Includes copyrighted material of ISO, Inc., 

with its permission. 

Page 4 of 4 
103 GL 0003631-00 

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. 

CERTIFIED ACTS OF TERRORISM AND OTHER ACTS 

OF TERRORISM EXCLUSION 

This endorsement modifies insurance provided under the following: 

COMMERCIAL GENERAL LIABILITY COVERAGE PART 

FARM LIABILITY COVERAGE PART 

LIQUOR LIABILITY COVERAGE PART 

OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART 

PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART 

RAILROAD PROTECTIVE LIABILITY COVERAGE PART 

A. The following exclusion is added: 

TERRORISM AND PUNITIVE DAMAGES 

This insurance does not apply to "any injury or damage" arising, directly or indirectly, out of: 

(1) A "certified act of terrorism" or an "other act of terrorism", including any action taken in 

hindering or defending against an actual or expected incident of a "certified act of terrorism" or an "other act of terrorism"; or 

(2) Any act of terrorism: 

(a) that involves the use, release or escape of nuclear materials, or directly or indirectly 

results in nuclear reaction or radiation or radioactive contamination; or 

(b) that is carried out by means of the dispersal or application of pathogenic or poisonous biological or chemical materials; or 

(c) in which pathogenic or poisonous biological or chemical materials are released, and it 

appears that one purpose of the terrorism was to release such materials; 

regardless of any other cause or event that contributes concurrently or in any sequence to 

the injury or damage in (1) or (2) above; including 

(3) Damages arising, directly or indirectly, out of (1) or (2) above that are awarded as punitive damages. 

B. In the event of an act of terrorism, a "certified act of terrorism" or an "other act of terrorism" that is 

not subject to this exclusion, coverage does not apply to any loss or damage that is otherwise excluded under this Coverage Part. 

C. The following definitions are added to the DEFINITIONS Section: 

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 

any damage, "bodily injury", "property damage", "personal and advertising injury", "injury" or "environmental damage" as may be defined in any applicable Coverage Part. 

"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 ofterrorism 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 popUCG2175-0711 Includes copyrighted material of Insurance Services Office, Inc., 

with its permission. 

Page 1 of 2 
103 GL 0003631-00 

ulation of the United States or to influence the policy or affect the conduct of the United 

States Government by coercion. 

"Other act of terrorism" means a violent act or an act that is dangerous to human life, property or infrastructure that is committed by an individual or individuals and that appears to be part of an effort 

to coerce a civilian population or to influence the policy or affect the conduct of any government by 

coercion, and the act is not a "certified act of terrorism". Multiple incidents of an "other act of terrorism" which occur within a seventy-two hour period and appear to be carried out in concert or to have 

a related purpose or common leadership shall be considered to be one incident. 

ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. 

UCG2175-0711 Includes copyrighted material of Insurance Services Office, Inc., 

with its permission. 

Page 2 of 2 
103 GL 0003631-00 

COMMERCIAL GENERAL LIABILITY 

CG 00 68 05 09 

RECORDING AND DISTRIBUTION OF MATERIAL OR 

INFORMATION IN VIOLATION OF LAW EXCLUSION 

This endorsement modifies insurance provided under the following: 

COMMERCIAL GENERAL LIABILITY COVERAGE PART 

A. Exclusion q. of Paragraph 2. Exclusions of Section I - Coverage A - Bodily Injury And Property Damage Liability is replaced by the following: 

2. Exclusions 

This insurance does not apply to: 

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 Transaction Act (FACT A); 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. 

B. Exclusion p. of Paragraph 2. Exclusions of Section I - Coverage B - Personal And Advertising 

Injury Liability is replaced by the following 

2. Exclusions 

This insurance does not apply to: 

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 Transaction Act (FACT A); 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. 

CG 00 68 05 09 © Insurance Services Office, Inc., 2008 Page 1 of 1 D 
103 GL 0003631-00 

COMMERCIAL GENERAL LIABILITY 

CG 214909 99 

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. 

TOTAL POLLUTION EXCLUSION ENDORSEMENT 

This endorsement modifies insurance provided under the following: 

COMMERCIAL GENERAL LIABILITY COVERAGE PART 

Exclusion f. under Paragraph 2., Exclusions of Section I - Coverage A - Bodily Injury And Property 

Damage Liability is replaced by the following 

This insurance does not apply to: 

f. Pollution 

(1) "Bodily injury" or "property damage" which 

would not have occurred in whole or part but for 

the actual, alleged or threatened discharge, 

dispersal, seepage, migration, release or escape of "pollutants" at any time. 

(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". 

CG 214909 99 Copyright, Insurance Services Office, Inc., 1998 Page 1 of 1 D 
103 GL 0003631-00 

COMMERCIAL GENERAL LIABILITY 

CG21671204 

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. 

FUNGI OR BACTERIA 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: 

2. Exclusions 

This insurance does not apply to: 

Fungi Or Bacteria 

a. "Bodily injury" or "property damage" which 

would not have occurred, in whole or in part, 

but for the actual, alleged or threatened inhalation of, ingestion of, contact with, exposure to, existence of, or presence of, any 

"fungi" or bacteria on or within a building or 

structure, including its contents, regardless 

of whether any other cause, event, material 

or product contributed concurrently or in any 

sequence to such injury or damage. 

b. Any loss, cost or expenses arising out of the 

abating, testing for, monitoring, cleaning up, 

removing, containing, treating, detoxifying, 

neutralizing, remediating or disposing of, or 

in any way responding to, or assessing the 

effects of, "fungi" or bacteria, by any insured 

or by any other person or entity. 

This exclusion does not apply to any 'fungi" or 

bacteria that are, are on, or are contained in, a 

good or product intended for bodily consumption. 

B. The following exclusion is added to Paragraph 2. 

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

2. Exclusions 

This insurance does not apply to: 

Fungi Or Bacteria 

a. "Personal and advertising injury" which 

would not have taken place, in whole or in 

part, but for the actual, alleged or threatened inhalation of, ingestion of, contact 

with, exposure to, existence of, or presence 

of any 'fungi" or bacteria on or within a 

building or structure, including its contents, 

regardless of whether any other cause, 

event, material or product contributed concurrently or in any sequence to such injury. 

b. Any loss, cost or expense arising out of the 

abating, testing for, monitoring, cleaning up, 

removing, containing, treating, detoxifying, 

neutralizing, remediating or disposing of, or 

in any way responding to, or assessing the 

effects of, 'fungi" or bacteria, by any insured 

or by any other person or entity. 

C. The following definition is added to the Definitions 

Section: 

"Fungi" means any type or form of fungus, including mold or mildew and any mycotoxins, spores, 

scents or byproducts produced or released by 

fungi. 

CG21671204 © ISO Properties, Inc., 2003 Page 1 of 1 D 
103 GL 0003631-00 

COMMERCIAL GENERAL LIABILITY 

CG21861204 

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. 

EXCLUSION - EXTERIOR INSULATION 

AND FINISH SYSTEMS 

This endorsement modifies insurance provided under the following: 

COMMERCIAL GENERAL LIABILITY COVERAGE PART 

A. This insurance does not apply to "bodily injury", 

"property damage" or "personal and advertising injury" arising out of, caused by, or attributable to, 

whether in whole or in part, the following: 

1. The design, manufacture, construction, fabrication, preparation, distribution and sale, installation, application, maintenance or repair, including remodeling, service, correction or 

replacement, of any "exterior insulation and finish system" or any part thereof, or any substantially similar system or any part thereof, including the application or use of conditioners, 

primers, accessories, flashings, coatings, 

caulking or sealants in connection with such a 

system; or 

2. "Your product" or ''your work" with respect to 

any exterior component, fixture or feature of 

any structure if an "exterior insulation and finish 

system", or any substantially similar system, is 

used on the part of that structure containing 

that component, fixture or feature. 

B. The following definition is added to the Definitions 

Section: 

"Exterior insulation and finish system" means a 

non-load bearing exterior cladding or finish system, and all component parts therein, used on any 

part of any structure, and consisting of: 

1. A rigid or semi-rigid insulation board made of 

expanded polystyrene and other materials; 

2. The adhesive and/or mechanical fasteners 

used to attach the insulation board to the substrate; 

3. A reinforced or unreinforced base coat; 

4. A finish coat providing surface texture to which 

color may be added; and 

5. Any flashing, caulking or sealant used with the 

system for any purpose. 

CG21861204 © ISO Properties, Inc., 2003 Page 1 of 1 
103 GL 0003631-00 

COMMERCIAL GENERAL LIABILITY 

CG 219603 05 

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. 

SILICA OR SILICA-RELATED DUST 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: 

2. Exclusions 

This insurance does not apply to: 

Silica Or Silica-Related Dust 

a. "Bodily injury" arising, in whole or in part, out 

of the actual, alleged, threatened or suspected inhalation of, or ingestion of, "silica" 

or "silica-related dust". 

b. "Property damage" arising, in whole or in 

part, out of the actual, alleged, threatened 

or suspected contact with, exposure to, existence of, or presence of, "silica" or "silicarelated dust". 

c. Any loss, cost or expense arising, in whole 

or in part, out of the abating, testing for, 

monitoring, cleaning up, removing, containing, treating, detoxifying, neutralizing, remediating or disposing of, or in any way responding to or assessing the effects of, 

"silica" or "silica-related dust", by any insured or by any other person or entity. 

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

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

2. Exclusions 

This insurance does not apply to: 

Silica Or Silica-Related Dust 

a. "Personal and advertising injury" arising, in 

whole or in part, out of the actual, alleged, 

threatened or suspected inhalation of, ingestion of, contact with, exposure to, existence of, or presence of, "silica" or "silicarelated dust". 

b. Any loss, cost or expense arising, in whole 

or in part, out of the abating, testing for, 

monitoring, cleaning up, removing, containing, treating, detoxifying, neutralizing, remediating or disposing of, or in any way responding to or assessing the effects of, 

"silica" or "silica-related dust", by any insured or by any other person or entity. 

C. The following definitions are added to the Definitions Section: 

1. "Silica" means silicon dioxide (occurring in 

crystalline, amorphous and impure forms), silica particles, silica dust or silica compounds. 

2. "Silica-related dust" means a mixture or combination of silica and other dust or particles. 

CG 219603 05 © ISO Properties, Inc., 2004 Page 1 of 1 D 
103 GL 0003631-00 

COMMERCIAL GENERAL LIABILITY 

CG 24 26 07 04 

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. 

AMENDMENT OF INSURED CONTRACT DEFINITION 

This endorsement modifies insurance provided under the following: 

COMMERCIAL GENERAL LIABILITY COVERAGE PART 

Paragraph 9. of the Definitions Section is replaced by 

the following: 

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, provided the "bodily injury" or "property damage" is caused, in 

whole or in part, by you or by those acting 

on your behalf. 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. 

CG 24 26 07 04 © ISO Properties, Inc., 2004 Page 1 of 1 D 
103 GL 0003631-00 

IL 00 210908 

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. 

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". 

IL 00 210908 © ISO Properties, Inc., 2007 Page 1 of 2 D 
"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"; 

103 GL 0003631-00 

(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. 

Page 2 of 2 © ISO Properties, Inc., 2007 IL 00 210908 D 
103 GL 0003631-00 

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. 

MINIMUM PREMIUM 

The following additional policy Conditions supersede any other policy conditions regarding a minimum 

premium for this policy: 

Policy Premium 

Policy premium means the premium that is calculated as follows: 

1. The minimum premium at audit as shown in the Policy Declarations, plus 

2. Any premium adjustment by endorsements, plus 

3. Any additional premium developed by audit. 

Audits 

The policy premium can only be reduced by 10% due to an audit. The due date for audit premiums is the date 

shown as the due date on the bill. 

Cancellation and Minimum Earned Premium 

1. If you cancel this policy, the return premium will be 90% of the unearned premium. However, as a 

minimum earned premium, we will retain no less than 25% of the policy premium. 

2. If we cancel the policy: 

a. for non-payment of premium, for any of the reasons stated in the U 173-Cancellation Endorsement 

that provide a 10 day notice, or for the reasons stated in an amendatory state specific cancellation 

endorsement (up to and including a 30 day notice), the earned premium will be computed pro rata 

based on the length of the cancelled policy term; however, as a minimum earned premium, we will 

retain no less than 25% of the policy premium; or 

b. for any reason other than those identified in subparagraph 2. a. bove, the earned premium will 

be computed pro rata based on the length of the cancelled policy term, and the minimum earned 

premium as stated in 2.a. shall not apply. 

Any unearned premium will be returned as soon as practicable. 

3. However, if the policy is a project specific policy where specified locations are designated for 

coverage and the policy period is in excess of one year, regardless of who initiates cancellation of the 

policy, the policy premium will be deemed fully earned after 75% of the policy period has passed. For 

a project specific policy, the policy premium will be deemed fully earned with no return premium to be 

provided upon cancellation once the project has reached a level of substantial completion following 

construction or renovation. Substantial completion means the earliest of the following: 

a. The date of use or occupancy of one or more of the locations of the specified project occurs; 

occurs; 

b. A temporary or permanent certificate of occupancy has been issued; 

c. The date of the final inspection of the construction project by the applicable public agency 

occurs; or 

d. The final cost of construction is at least 90% of the estimated construction cost upon 

which this policy was based. 

ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. 

U002MD-0212 Page 1 of 1 
103 GL 0003631-00 

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. 

OPEN ROOF AND HEATING EQUIPMENT 

COVERAGE LIMITATION 

This endorsement modifies insurance provided under the following: 

COMMERCIAL GENERAL LIABILITY COVERAGE PART 

A. SECTION I - COVERAGES, COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY, 

2. Exclusions is amended and the following added: 

Open Roof and Heating Equipment 

This Insurance does not apply to "property damage" arising directly or indirectly out of: 

(1) an "open roof". 

This exclusion does not apply if: 

(a) such "open roof" is covered with suitable waterproof material at the time of loss; and 

(b) such suitable waterproof material has been secured to the structure; 

(2) heat process equipment. 

This exclusion does not apply if the insured: 

(a) maintains a 15 lb. or larger charged ABC extinguisher at the site; and 

(b) maintains personnel at the site for 30 minutes or longer after the equipment has been shut off or 

left the site, and 

(c) personally inspects the area the heat work has been performed prior to leaving the site. 

B. SECTION V - DEFINITIONS is amended and the following added: 

"Open roof" means any roof or section of a roof where the protective covering (shingles, tar, felt paper, 

etc.) has been removed leaving the shell of the structure exposed. 

ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. 

U00?-0410 Page 1 of 1 
103 GL 0003631-00 

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. 

AIRCRAFT PRODUCTS AND GROUNDING EXCLUSION 

This endorsement modifies insurance provided under the following: 

COMMERCIAL GENERAL LIABILITY COVERAGE PART 

PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART 

A. SECTION I - COVERAGES, COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY, 

2. Exclusions and SECTION I - PRODUCTS/COMPLETED OPERATIONS BODILY INJURY AND 

PROPERTY DAMAGE LIABILITY, 2. Exclusions are amended and the following added: 

Aircraft or Grounding 

This insurance does not apply to "bodily injury" or "property damage" arising directly or indirectly out of: 

1. any "aircraft product" or the "grounding" of any aircraft; or 

2. "your work" on aircraft (including missile or spacecraft, and any ground support or control 

equipment). 

B. SECTION V - DEFINITIONS is amended and the following added: 

"Aircraft product" means: 

a. Aircraft (including missile or spacecraft, and any ground support or control equipment used 

therewith); 

b. Any article furnished by you or on your behalf and installed in an aircraft or used in connection 

with an aircraft or for spare parts for an aircraft including ground handling tools and equipment; 

c. Any of "your products" used at an airport for the purpose of guidance, navigation or direction of 

aircraft; 

d. training aids, instructions, manuals, blueprints, engineering or other data or advice and services 

and labor relating to such aircraft, articles or products that you or any other person or 

organization on your behalf: 

(1) sold, handled or distributed; or 

(2) manufactured, assembled or processed: 

(a) according to specifications, plans, suggestions, orders, or drawings provided by you or on 

your behalf; or 

(b) with tools, machinery or equipment furnished to such persons or drawings provided by 

you or on your behalf. 

"Grounding" means: 

a. the withdrawal of one or more aircraft from flight operations; or 

b. the imposition of speed, passenger or load restrictions on such aircraft 

by reason of the existence of or alleged or suspected existence of any defect, fault or condition in 

such aircraft or any part thereof whether such aircraft so withdrawn are owned or operated by the 

same or different persons, organizations or corporations. 

U009-0310 

ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. 

Includes copyrighted material of ISO Properties, Inc., 

with its permission. 

Page 1 of 1 
103 GL 0003631-00 

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. 

EMPLOYMENT-RELATED PRACTICES EXCLUSION 

This endorsement modifies insurance provided under the following: 

COMMERCIAL GENERAL LIABILITY COVERAGE PART 

SECTION I - COVERAGES, COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY, 2. 

Exclusions and SECTION I - COVERAGES, COVERAGE B PERSONAL AND ADVERTISING INJURY 

LIABILITY, 2. Exclusions are amended and the following added: 

Employment-Related Practices 

This insurance does not apply to "bodily injury" or "personal and advertising injury" to: 

(1) a person arising directly or indirectly 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, assault, battery, discrimination, 

malicious prosecution or abuse including sexual abuse directed at any person; or 

(2) the spouse, child, parent, brother or sister of that person as a consequence of "bodily injury" or 

"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 (1) (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. 

U048-0310 

ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. 

Includes copyrighted material of ISO Properties, Inc., 

with its permission. 

Page 1 of 1 
103 GL 0003631-00 

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 

Bodily Injury Liability Coverage 

or PER OCCURRENCE 

OR 

Property Damage Liability Coverage 

OR 

Personal and Advertising Injury Liability Coverage 

OR 

Bodily Injury Liability Coverage and/or Property Damage $10,000 

Liability Coverage and/or Personal and Advertising Injury 

Liability Coverage Combined 

A. For the purposes of this endorsement all deductible coverage options, amounts and basis of the 

deductible shall include all amounts we pay in the defense and investigation of any "claim" or "suit" to 

which this insurance applies as stated under the SUPPLEMENTARY PAYMENTS - COVERAGE A 

AND B section of the policy. 

B. Our obligations under this policy for damages applies only to the amount excess of the deductible 

shown in the Schedule above. 

C. We shall select a deductible amount on either aper 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: 

1. PER CLAIM BASIS. If the deductible amount indicated in the Schedule above is on a per claim 

basis, that deductible applies as follows: 

a. Under Bodily Injury Liability Coverage, to all damages sustained by any one person because 

of "bodily injury"; 

b. Under Property Damage Liability Coverage, to all damages sustained by any one person 

because of "property damage"; 

c. Under Personal and Advertising Injury Liability Coverage, to all damages sustained by any 

one person because of "personal and advertising injury"; 

d. Under Bodily Injury Liability Coverage and/or Property Damage Liability Coverage and/or 

Personal and Advertising Injury Liability Coverage Combined, to all damages sustained by 

any one person because of: 

(1) "Bodily injury"; 

(2) "Property damage"; 

(3) "Personal and advertising injury"; or 

UO?OAS-0512 Includes copyrighted material of ISO Properties, Inc., Page 1 of 2 

with its permission. 
103 GL 0003631-00 

(4) "Bodily injury", "property damage", and "personal and advertising injury" combined, 

as the result of any one "occurrence". 

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. 

With respect to "property damage", person includes an organization. 

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: 

a. Under Bodily Injury Liability Coverage, to all damages because of "bodily injury"; 

b. Under Property Damage Liability Coverage, to all damages because of "property damage"; 

c. Under Personal and Advertising Injury Liability Coverage, to all damages because of 

"personal and advertising injury"; 

d. Under Bodily Injury Liability Coverage and/or Property Damage Liability Coverage and/or 

Personal and Advertising Injury Liability Coverage, to all damages because of: 

(1) "Bodily injury"; 

(2) "Property damage"; 

(3) "Personal and advertising injury"; or 

(4) "Bodily injury", "property damage", "personal and advertising injury" combined, 

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

sustain damages because of that "occurrence". 

D. 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; and 

2. Your duties in the event of an "occurrence", "claim", or "suit" 

apply irrespective of the application of the deductible amount. 

E. We, at our sole election and option, may either: 

1. Pay any part of 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; or 

2. Simultaneously upon receipt of notice of any "claim" or at any time thereafter, request you pay or 

deposit with us all or any part of the deductible amount, to be held and applied by us as herein 

provided. 

F. For the purposes of this endorsement, "claim" means a demand, received by the Insured, for money 

or services, including the service of "suit" against the Insured. 

ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. 

UO?OAS-0512 Includes copyrighted material of ISO Properties, Inc., 

with its permission. 

Page 2 of 2 
103 GL 0003631-00 

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. 

EXCLUSIONCONTINUOUS, PROGRESSIVE OR REPEATED -

BODILY INJURY, PROPERTY DAMAGE, OR 

PERSONAL AND ADVERTISING INJURY 

This endorsement modifies insurance provided under the following: 

COMMERCIAL GENERAL LIABILITY COVERAGE PART 

In consideration of the premium charged, the following is added: 

A. SECTION I - COVERAGES, COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY, 

2. Exclusions is amended and the following is added: 

This insurance does not apply to: 

1. "bodily injury" or "property damage", including continuous or progressively deteriorating or repeated 

"bodily injury" or "property damage", that first occurs prior to the effective date of this policy; 

2. "bodily injury" or "property damage", including continuous or progressively deteriorating or repeated 

"bodily injury" or "property damage", that first occurs prior to the effective date of this policy and 

continues during the policy term; 

3. "bodily injury" or "property damage", including continuous or progressively deteriorating or repeated 

"bodily injury" or "property damage", that first occurs prior to the effective date of this policy, 

continues during the policy term, and ends after the expiration date of this policy; or 

4. "bodily injury" or "property damage", including continuous or progressively deteriorating or repeated 

"bodily injury" or "property damage", that first occurs after the expiration date of this policy. 

The exclusions in paragraphs 1. through 4. apply regardless of whether such "bodily injury" or "property 

damage" is known or unknown by any "Insured", as defined below. 

B. SECTION I - COVERAGES, COVERAGE B PERSONAL AND ADVERTISING INJURY, 2. Exclusions 

is amended and the following is added: 

This insurance does not apply to: 

1. "personal and advertising injury", including continuous, progressive, or repeated "personal and 

advertising injury", that arises from an offense which was first committed prior to the effective date of 

this policy; 

2. "personal and advertising injury", including continuous, progressive, or repeated "personal and 

advertising injury", that arises from an offense which was first committed prior to the effective date of 

this policy and continues during the policy term; 

3. "personal and advertising injury", including continuous, progressive, or repeated "personal and 

advertising injury", that arises from an offense which was first committed prior to the effective date of 

this policy, continues during the policy term, and ends after the expiration date of this policy; or 

4. "personal and advertising injury", including continuous, progressive, or repeated "personal and 

advertising injury" that arises from an offense which was first committed after the expiration date of 

this policy; 

The exclusions in paragraphs 1. through 4. apply regardless of whether such "personal and advertising 

injury" is known or unknown by any "Insured", as defined below. 

U073-0707 Page 1 of 2 
103 GL 0003631-00 

C. For the purposes of this endorsement, the term "Insured" is defined as follows: 

"Insured" means any person or organization qualifying as an insured under "Who Is An Insured" 

provision in Section II of the Commercial General Liability Coverage Part along with either any additional 

named insured or additional insured whether added to this policy by endorsement or otherwise. 

ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. 

U073-0707 Page 2 of 2 
103 GL 0003631-00 

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. 

SUBSIDENCE EXCLUSION 

This endorsement modifies insurance provided under the following: 

COMMERCIAL GENERAL LIABILITY COVERAGE PART 

A. SECTION I - COVERAGES, COVERAGE A BODILY INJURY AND PROPERTY DAMAGE 

LIABILITY, 2. Exclusions is amended and the following added: 

Subsidence 

This insurance does not apply to "bodily injury" or "property damage" arising directly or indirectly out 

of "subsidence". 

B. SECTION V - DEFINITIONS is amended and the following added: 

"Subsidence" means ground movement caused by soil conditions including but not limited to: 

a. soil erosion, freezing or thawing, 

b. improperly compacted soil or construction defects, 

c. roots of trees or shrubs, 

d. collapse of storm or sewer drains, or 

e. natural occurring shrink or swell soil. 

ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. 

U089-0310 Includes copyrighted material of Insurance Services Office, Inc., 

with its permission. 

Page 1 of 1 
103 GL 0003631-00 

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. 

ABSOLUTE 

AUTO, AIRCRAFT AND WATERCRAFT EXCLUSION 

This endorsement modifies insurance provided under the following: 

COMMERCIAL GENERAL LIABILITY COVERAGE PART 

A. SECTION I - COVERAGES, COVERAGE A BODILY INJURY AND PROPERTY DAMAGE 

LIABILITY, 2. Exclusions, paragraph g. is deleted and replaced with the following: 

g. Aircraft, Auto Or Watercraft 

"Bodily injury" or "property damage" arising directly or indirectly out of the ownership, 

maintenance, use or entrustment to others of any aircraft, "auto" or watercraft. 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. 

B. The following is deleted under SECTION IV - COMMERCIAL GENERAL LIABILITY CONDITIONS, 

4. Other Insurance, paragraph b. Excess Insurance: 

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. 

ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. 

U155-0310 Page 1 of 1 
103 GL 0003631-00 

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. 

CANCELLATION 

This endorsement modifies insurance provided under the following: 

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 

EXCESS LIABILITY POLICY 

FARM COVERAGE PART 

FARM UMBRELLA LIABILITY POLICY 

LIQUOR LIABILITY COVERAGE PART 

PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART 

PROFESSIONAL LIABILITY COVERAGE PART 

Paragraph A. 2. Cancellation of the COMMON POLICY CONDITIONS is deleted and replaced by the 

following: 

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 one or more of the following reasons: 

(1) nonpayment of premium or failure to pay a premium when due; 

(2) conviction of an insured of a crime arising out of acts increasing the hazard insured 

against; 

(3) violation of any local fire, health, safety, building or construction regulation or ordinance 

which increases the hazard insured against under the policy; 

(4) any willful or reckless act or omission by an insured increasing the hazard insured 

against; 

(5) omission or concealment of fact relating to an insurance application, rating, claim or 

coverage under this policy; 

(6) failure or refusal of an insured to: 

(a) provide information necessary to confirm exposure or determine the policy premium; 

or 

(b) comply with underwriting requirements; 

(7) a substantial change in the risk covered by the policy; 

(8) loss of reinsurance or substantial decrease in reinsurance; 

(9) the cancellation is for all insureds under such policies for a given class of insureds; or 

(10) any reason determined by the insurance commissioner. 

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

ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. 

U 173AS-0708 Includes copyrighted material of Insurance Services Office, Inc., 

with its permission. 

Page 1 of 1 
103 GL 0003631-00 

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. 

INSPECTION 

This endorsement modifies the policy as follows: 

$250.00 is added to this policy for an inspection and is not refundable. 

ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. 

U184-0702 Page 1 of 1 
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. 

COMPOSITE RATE 

This endorsement modifies insurance provided under the following: 

COMMERCIAL GENERAL LIABILITY COVERAGE PART 

PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART 

103 GL 0003631-00 

The premium for the policy to which this endorsement is attached shall be computed upon a composite 

basis in accordance with the Company's rules, rates, rating plans, premium and minimum premium and 

other applicable terms and conditions of the policy. 

Premium Basis: 

Gross Sales 

"Gross Sales" means the gross amount charged by the named insured, concessionaires of the 

named insured or by others trading under the insured's name for: a) all goods or products, sold 

or distributed; b) operations performed during the policy period, including operations performed 

for the insured by independent contractors; c) rentals; and d) dues or fees. "Gross Sales" does 

not include sales or excise taxes that are collected and submitted to a governmental division. 

ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. 

U250-0310 Includes copyrighted material of ISO Properties, Inc., 

with its permission. 

Page 1 of 1 
103 GL 0003631-00 

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. 

WARRANTY OF SUBCONTRACTOR LIMITS 

This endorsement modifies insurance provided under the following: 

COMMERCIAL GENERAL LIABILITY COVERAGE PART 

PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART 

A. SECTION IV - COMMERCIAL GENERAL LIABILITY CONDITIONS, 5. Premium Audit, subparagraph c., 

and SECTION IV - PRODUCTS/COMPLETED OPERATIONS LIABILTY CONDITIONS, 5. Premium 

Audit, subparagraph c. are deleted and replaced with the following: 

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. In addition: 

(1) You shall provide us upon our request copies of Certificates of Insurance that you shall require 

and have obtained from your subcontractors before any work is performed on your behalf. You 

shall maintain copies of these Certificates during and for up to 3 years after the term of such 

work. 

(2) The Certificate must evidence coverage and Limits of Insurance, in force for the term of the 

work performed for you, that are equal to or greater than the coverage and Limits of Insurance 

provided by this policy, unless other limits are shown below: 

Limits of Insurance 

Each Occurrence Limit 

General Aggregate Limit (other than Products/Completed 

Operations) 

Products/Completed Operations Aggregate Limit 

$1,000,000 

$ 2,000,000 

$2,000,000 

(3) We will have the right to adjust the annual premium charged you and use the "total cost" of all 

work you subcontract as the basis for the additional premium for any subcontractor: 

(a) whose Certificate of Insurance shows Limits of Insurance or coverage less than that 

required by us; or 

(b) for whom you do not have a Certificate. 

We will charge you a rate of $24.38 per 1 ooo of "total cost". This premium charge will be 

made at audit and will be in addition to the minimum policy premium. 

B. The DEFINITIONS Section is amended and the following added: 

"Total cost" means the combined cost of: 

a. all labor; plus 

b. materials and equipment furnished, used or delivered for use in the execution of the work 

performed; and 

c. overhead and profit including fees and commissions. 

U252-0210 

ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. 

Includes copyrighted material of Insurance Services Office, Inc. 

with its permission. 

Page 1 of 1 
103 GL 0003631-00 

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. 

PROFESSIONAL SERVICES EXCLUSION 

This endorsement modifies insurance provided under the following: 

COMMERCIAL GENERAL LIABILITY COVERAGE PART 

SECTION I - COVERAGES, COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY, 2. 

Exclusions and COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY, 2. Exclusions are 

amended and the following is added: 

Professional Services 

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

directly or indirectly out of the rendering or failure to render any "professional service" except by endorsement 

to this policy and then only to the extent of such endorsement. 

"Professional service" means: 

(1) Legal, accounting or advertising services; 

(2) Preparing, approving, or failing to prepare or approve maps, drawings, opinions, reports, surveys, 

change orders, designs or specifications; 

(3) Engineering services, including related supervisory or inspection services; 

(4) Medical, surgical, dental, x-ray or nursing services, treatment, advice or instruction; 

(5) Any health or therapeutic service, treatment, advice or instruction; 

(6) Any service, treatment, advice or instruction for the purpose of appearance or skin enhancement, hair 

removal or replacement, or personal grooming; 

(7) Optometry or optical or hearing aid services including the prescribing, preparation, fitting, demonstration 

or distribution of ophthalmic lenses and similar products or hearing aid devices; 

(8) Body piercing or tattooing services including but not limited to the insertion of pigment, collagen or any 

other foreign substance into or under the skin; 

(9) Services in the practice of pharmacy; 

(10) Law enforcement or firefighting services; and 

(11) Handling, embalming, disposal, burial, cremation or disinterment of dead bodies. 

ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. 

U265-0310 Includes copyrighted material of Insurance Services Office, Inc. 

with its permission. 

Page 1 of 1 
103 GL 0003631-00 

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. 

EXCLUSION - USL&H, JONES ACT OR OTHER 

MARITIME LAWS 

This endorsement modifies insurance provided under the following: 

COMMERCIAL GENERAL LIABILITY COVERAGE PART 

SECTION I - COVERAGES, COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY, 2. 

Exclusions and COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY, 2. Exclusions are 

amended and the following is added: 

USL&H, Jones Act or Other Maritime Laws Exclusion 

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

directly or indirectly out of: 

(1) operations over navigable waters or offshore including but not limited to drilling and production platforms, 

pipelines, and vessels where coverage is provided by the U.S. Longshore & Harbor Workers 

Compensation Act (USL&H), Merchant Marine Act ("Jones Act") or other maritime laws and any 

amendments to those laws; 

(2) actions including but not limited to subrogation involving U.S. Longshore & Harbor Workers 

Compensation Act (USL&H), Merchant Marine Act ("Jones Act") or other maritime laws and any 

amendments to those laws; or 

(3) any obligation of the insured resulting from actions under the U.S. Longshore & Harbor Workers 

Compensation Act (USL&H), Merchant Marine Act ("Jones Act") or other maritime laws and any 

amendments to those laws. 

ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. 

U266-0510 Page 1 of 1 
103 GL 0003631-00 

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. 

CROSS SUITS EXCLUSION 

This endorsement modifies insurance provided under the following: 

COMMERCIAL GENERAL LIABILITY COVERAGE PART 

PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART 

SECTION I -COVERAGES, COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY, 2. 

Exclusions and COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY, 2. Exclusions in the 

Commercial General Liability Coverage Part; and SECTION I -COVERAGES, PRODUCTS/COMPLETED 

OPERATIONS BODILY INJURY AND PROPERTY DAMAGE LIABILITY, 2. Exclusions in the 

Products/Completed Operations Liability Coverage Part are amended and the following added: 

CROSS SUITS EXCLUSION 

This insurance does not apply to any claim or "suit" for "bodily injury", "property damage" or "personal 

and advertising injury" brought by any Named Insured against any other Named Insured. 

ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. 

U267A-0813 Page 1 of 1 
103 GL 0003631-00 

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. 

BREACH OF CONTRACT EXCLUSION 

This endorsement modifies insurance provided under the following: 

COMMERCIAL GENERAL LIABILITY COVERAGE PART 

SECTION I - COVERAGES, COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY, 2. 

Exclusions, f. Breach Of Contract is deleted and replaced by the following: 

This insurance does not apply to damages directly or indirectly arising out of: 

f. Breach Of Contract 

"Personal and advertising injury" arising out of a breach of contract, including an implied contract 

to use another's advertising idea in your "advertisement". 

ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. 

U276-0310 Includes copyrighted material of ISO Properties, Inc., 

with its permission. 

Page 1 of 1 
103 GL 0003631-00 

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. 

EXCLUSION - LEAD 

This endorsement modifies insurance provided under the following: 

COMMERCIAL GENERAL LIABILITY COVERAGE PART 

SECTION I - COVERAGES, COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY, 

2. Exclusions and COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY, 2. 

Exclusions are amended and the following added: 

This insurance does not apply to: 

Lead 

(1) "bodily injury" or "personal and advertising injury" arising, in whole or in part, out of the actual, 

alleged, threatened or suspected inhalation of, ingestion of, contact with, exposure to, existence 

of, or presence of, lead in any form. 

(2) "property damage" arising, in whole or in part, out of the actual, alleged, threatened or suspected 

contact with, exposure to, existence of, or presence of, lead in any form. 

(3) any damages, loss, cost or expense arising, in whole or in part, out of the abating, testing for, 

monitoring, cleaning up, removing, containing, treating, detoxifying, neutralizing, remediating or 

disposing of, or in any way responding to or assessing the effects of, lead in any form, by any 

insured or by any other person or entity. 

(4) any claim or "suit" by or on behalf of a governmental authority for damages, loss, cost or expense 

arising, in whole or in part, out of the abating, testing for, monitoring, cleaning up, removing, 

containing, treating, detoxifying, neutralizing, remediating or disposing of, or in any way 

responding to or assessing the effects of, lead in any form, by any insured or by any other person 

or entity. 

This exclusion shall apply without regard to the source or sources of lead, or the basis of the insured's 

liability. This exclusion includes defects or negligence in design, construction or materials, or any 

other event, conduct or misconduct, which may have or is claimed to have precipitated, caused or 

acted jointly, concurrently or in any sequence with lead in any form in causing injury or damage. 

ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. 

U466-0212 Includes copyrighted material of Insurance Services Office, Inc., 

with its permission. 

Page 1 of 1 
103 GL 0003631-00 

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. 

EXCLUSION - ASBESTOS 

This endorsement modifies insurance provided under the following: 

COMMERCIAL GENERAL LIABILITY COVERAGE PART 

SECTION I - COVERAGES, COVERAGE A BODILY INJURY AND PROPERTY DAMAGE 

LIABILITY, 2. Exclusions and COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY, 2. 

Exclusions are amended and the following added: 

This insurance does not apply to: 

Asbestos 

(1) "bodily injury" or "personal and advertising injury" arising, in whole or in part, out of the actual, 

alleged, threatened or suspected inhalation of, ingestion of, contact with, exposure to, existence 

of, or presence of, asbestos in any form. 

(2) "property damage" arising, in whole or in part, out of the actual, alleged, threatened or suspected 

contact with, exposure to, existence of, or presence of, asbestos in any form. 

(3) any damages, loss, cost or expense arising, in whole or in part, out of the abating, testing for, 

monitoring, cleaning up, removing, containing, treating, detoxifying, neutralizing, remediating or 

disposing of, or in any way responding to or assessing the effects of, asbestos in any form, by 

any insured or by any other person or entity. 

(4) any claim or "suit" by or on behalf of a governmental authority for damages, loss, cost or expense 

arising, in whole or in part, out of the abating, testing for, monitoring, cleaning up, removing, 

containing, treating, detoxifying, neutralizing, remediating or disposing of, or in any way 

responding to or assessing the effects of, asbestos in any form, by any insured or by any other 

person or entity. 

This exclusion shall apply without regard to the source or sources of asbestos, or the basis of the 

insured's liability. This exclusion includes defects or negligence in design, construction or materials, 

or any other event, conduct or misconduct, which may have or is claimed to have precipitated, caused 

or acted jointly, concurrently or in any sequence with asbestos in any form in causing injury or 

damage. 

ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. 

U467-0212 Includes copyrighted material of Insurance Services Office, Inc., 

with its permission. 

Page 1 of 1 
103 GL 0003631-00 

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. 

EXCLUSION - DEDICATED 

INSURANCE PROGRAM(S) 

This endorsement modifies insurance provided under the following: 

COMMERCIAL GENERAL LIABILITY COVERAGE PART 

A. SECTION I - COVERAGES, COVERAGE A BODILY INJURY AND PROPERTY DAMAGE 

LIABILITY, 2. Exclusions is amended and the following added: 

This insurance does not apply to: 

Dedicated Insurance Program(s) 

"bodily injury" or "property damage" arising out of either your ongoing operations or operations 

included within the "products-completed operations hazard" at any project(s) which is, or was subject 

to a "dedicated insurance program". 

This exclusion applies whether or not the "dedicated insurance program": 

1. provides coverage identical to that provided by this Coverage Part; 

2. provides coverage to one or more contractors; 

3. provides multiple lines of coverage; 

4. has limits adequate to cover all claims; or 

5. remains in effect. 

B. SECTION V - DEFINITIONS is amended and the following added: 

"Dedicated insurance program" means wrap-up programs(s), owner controlled insurance program(s), 

contractor controlled insurance program(s), or other job(s) or project specific policy / program(s) 

whether provided by you, or any other person or entity. 

ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. 

U483-1211 Page 1 of 1 
103 GL 0003631-00 

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. 

EXCLUSION -NEW RESIDENTIAL CONSTRUCTION 

WORK EXCEPT AS SPECIFIED 

This endorsement modifies insurance provided under the following: 

COMMERCIAL GENERAL LIABILITY COVERAGE PART 

PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART 

SECTION I - COVERAGES, COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY, 

2. Exclusions, and SECTION I - COVERAGES, PRODUCTS/COMPLETED OPERATIONS BODILY 

INJURY AND PROPERTY DAMAGE LIABILITY, 2. Exclusions are amended and the following 

Exclusion is added: 

Residential Construction Work 

This insurance does not apply to "bodily injury" or "property damage" included in the "productscompleted operations hazard" and arising directly or indirectly out of "your work" on new "residential 

construction". This exclusion may be subject to exception, as set forth below, but only if the box 

corresponding to the description of any such exception is checked, and then only to the extent of the 

exception so described. 

SECTION V - DEFINITIONS is amended and the following is added: 

"Residential construction" means buildings, structures or other improvements to real property 

constructed, maintained or sold for the purpose of being used by natural persons as a dwelling, 

inclusive of all infrastructure improvements in connection therewith, including, but not limited to, 

grading/excavating, utilities, road paving/curbs/sidewalks. "Residential construction" shall include, 

but not be limited to, single or multiple family housing, including apartments, townhouses, 

condominiums, co-operatives, duplexes, triplexes, fourplexes, and single-family detached housing. 

"Residential construction" also includes the terms "Apartment Structures", "Common Interest 

Developments", "Condominiums", "Condominium Projects", "Condominium Conversion Projects", 

"Cooperatives", "Custom Homes", "Infrastructure" or "Site Work", "Military Housing", "Residential 

Tract Housing", "Senior Housing Projects", "Senior Living Structures", "Assisted Senior Housing 

Projects", "Single Family Homes Built on Spec", "Student Housing", "Time Shares", "Townhouse 

Projects", or "Rental Property Units", all as further defined herein for the purposes of this 

Endorsement only. 

"Condominium" is defined as any of the following: (1) An estate in real property where there is an 

undivided interest in common in a portion of real property, coupled with a separate interest in space 

called a unit, the boundaries of which are described on a recorded final map, parcel map, or 

condominium plan. The areas within the boundaries may be filled with air, earth or water, or any 

combination thereof, and need not be attached to land except by easements for access and support; 

(2) A type of ownership in real property where all of the owners own the property, common areas and 

buildings together, with the exception of the interior of the unit to which they have title; (3) Real 

estate, portions of which are designated for separate ownership and the remainder of which is 

designated for common ownership, solely by the owners of those designated portions; (4) A single 

real property parcel with all the unit owners having a right in common to use the common elements 

with a separate ownership confined to the individual units that are serially designated. 

U527-0913 Includes copyrighted material of ISO, Inc. 

with its permission 

Page 1 of 3 
103 GL 0003631-00 

"Cooperative" means any of the following: (1) A type of multiple ownership of real property in which 

the residents of a multiunit housing complex own shares in the cooperative corporation that owns the 

property, giving each resident the right to occupy a specific apartment or unit; (2) dwelling units in a 

multi-dwelling complex in which each owner has an interest in the entire complex and a lease of 

his/her/its own apartment. 

"Common Interest Development" means any of the following: (1) A condominium project; (2) A stock 

cooperative. 

EXCEPTIONS TO RESIDENTIAL CONSTRUCTION WORK EXCLUSION: 

This exclusion does not apply to the following (any exception to this exclusion is only applicable if a 

corresponding box below is checked): 

~ "Apartment Structures", which are defined as multi unit dwelling structures that are designed to be 

leased or rented by the owner of the structures to third-party tenants, and includes apartment 

buildings and apartment units. 

D "Condominium Projects", which are defined as consisting of multiple individual "Condominiums", as 

defined elsewhere in this Endorsement, on a single parcel of real property. 

D "Condominium Conversion Projects", which are defined as any existing multi unit dwelling structure, 

including "Apartment Structures", that prior to, during, or after the policy period, is converted to be 

sold as "Condominium(s)", "Cooperative(s)", "Common Interest Development(s)" or any sort of 

combination or derivative thereof, all as those terms are defined elsewhere in this Endorsement. 

~ "Custom Homes", which are defined as houses of a unique plan or blueprint built to an owner's 

specifications and sold before construction begins. 

D "Military Housing", which is defined as single family or multi unit housing that is built for the US 

government or a branch of the armed forces of the United States, and that will be leased or 

otherwise made available to enlisted service men or women to be used as a dwelling while they are 

members of the U.S. Armed Forces 

D "Residential Tract Housing", which is defined as single family, duplex, triplex or fourplex residential 

housing, not part of a "Condominium Project" or "Townhouse Project" (as defined elsewhere in this 

Endorsement), that is built by residential developers for sale to individuals during or after 

completion of construction. "Tract Housing" is further defined as consisting of 10 or more units in a 

single contiguous location. 

D "Senior Housing Projects", "Senior Living Structures", or "Assisted Senior Housing Projects", which 

are defined collectively as: 

Dwellings that HUD has determined are specifically designed for and occupied by elderly 

persons under a Federal, State, or local government program; or 

Dwellings occupied solely by persons who are 62 or older; or 

Dwellings where at least one person who is 55 or older resides in at least 80 percent of the 

occupied units in any one location, and where the policy applicable to the dwellings 

demonstrates an intent to house persons who are 55 or older. 

U527-0913 Includes copyrighted material of ISO, Inc. 

with its permission 

Page 2 of 3 
103 GL 0003631-00 

D "Infrastructure" or "Site Work", which is defined as work involving common areas, excluding any 

building construction, and for purposes of this exception to the Residential Construction Exclusion, 

is further limited to: 

~ "Single Family Homes Built on Spec", which are defined as homes of a unique plan or blueprint, 

built by themselves, and not in conjunction with other homes of like design and blueprint, by a 

general contractor, for sale after completion of construction. 

D "Student Housing", which is defined as single family or multi unit housing that is built and owned by 

any school or educational institution for the purpose of housing students, faculty, or other personnel 

of the school or educational institution, while they are attending or are employed by the school or a 

educational institution. 

D "Time Shares", which are defined as structures that are designed and available for use and 

occupancy as a residence, and that are constructed for the purpose of being offered as part of a 

"timeshare plan," as that phrase is defined in the Vacation Ownership Time Share Act of 2004, at 

California Business & Professions Code Section11212, or as otherwise defined under any similar 

statutory scheme governing the offering of residential units to the public for use and occupancy as 

a vacation property on a recurring periodic basis of less than one year, and in effect in the state 

where the structures are located. 

D "Townhouse Projects", which are defined as multi unit housing consisting of houses in a row, of 

usually the same or similar design, with common side walls or with a very narrow space between 

adjacent side walls, including individual Townhouses. 

D "Rental Property Units", which are defined as any structures that are built as dwellings with the 

intended purpose of renting or leasing, rather than selling, the units to third-parties. 

D Specific Project(s): 

ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. 

U527-0913 Includes copyrighted material of ISO, Inc. 

with its permission 

Page 3 of 3 
103 GL 0003631-00 

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. 

EXCLUSION - INJURY TO TEMPORARY WORKER, 

VOLUNTEER WORKER, OR CASUAL WORKER 

This endorsement modifies insurance provided under the following: 

COMMERCIAL GENERAL LIABILITY COVERAGE PART 

OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART 

A. COMMERCIAL GENERAL LIABILITY COVERAGE FORM, SECTION I-COVERAGES, COVERAGE A 

BODILY INJURY AND PROPERTY DAMAGE LIABIL TY, 2. Exclusions and COVERAGE B 

PERSONAL AND ADVERTISING INJURY LIABILITY, 2. Exclusions; and OWNERS AND 

CONTRACTORS PROTECTIVE LIABILITY COVERAGE FORM, SECTION I-COVERAGES, BODILY 

INJURY AND PROPERTY DAMAGE LIABILITY, 2. Exclusions are amended and the following is added: 

This insurance does not apply to "bodily injury" or "personal and advertising injury'' to any "temporary 

worker", "volunteer worker" or "casual worker", or any of their spouses, children, parents, brothers, sisters 

or registered domestic partners. 

B. SECTION V - DEFINITIONS is amended and the following added: 

For the purpose of this endorsement only, the term: 

a. "Casual worker" means: 

(1) A person, other than a person furnished to you by a labor union, who acts at the direction of 

and within the scope of duties determined by any insured, and is employed by any insured for 

a short time and for a limited and temporary purpose; or 

(2) A person for whom any insured, or a labor leasing firm acting on behalf of any insured, does 

not withhold federal income taxes and pay federal unemployment tax. 

b. "Temporary worker" means a person who is furnished to you to substitute for a permanent worker 

on leave or to meet seasonal or short-term workload conditions. 

However, "temporary worker" does not include a person who is furnished to you by a labor union 

to substitute for a permanent worker on leave or to meet seasonal or short-term workload 

conditions. 

ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. 

U531-0413 Includes copyrighted material of Insurance Services Office, Inc., 

with its permission. 

Page 1 of 1 
103 GL 0003631-00 

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. 

EXCLUSION - IMPORTED DRYWALL DAMAGE -

RESIDENTIAL CONSTRUCTION 

This endorsement modifies insurance provided under the following: 

COMMERCIAL GENERAL LIABILITY COVERAGE PART 

PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART 

A. SECTION I - COVERAGES, COVERAGE A BODILY INJURY AND PROPERTY DAMAGE 

LIABILITY, 2. Exclusions, and SECTION I-COVERAGES, PRODUCTS/COMPLETED OPERATIONS, 

BODILY INJURY AND PROPERTY DAMAGE LIABILITY, 2. Exclusions are amended to include the 

following additional exclusion: 

This insurance does not apply to: 

Imported Drywall Damage - Residential Construction 

(1) "Property damage" arising out of the release of gases, fumes, vapors or particulates from "imported 

drywall" used in any "residential construction" in connection with "your work" or "your product", 

including operations performed by you or on your behalf by a contractor or subcontractor. 

(2) "Property damage" arising out of the design, manufacture, construction, fabrication, preparation, 

distribution, sale, installation, application, maintenance, repair, remodeling, servicing, correction or 

replacement of any "imported drywall" used in any "residential construction". This applies whether or 

not the "property damage" is included within the "products-completed operations hazard". 

(3) "Property damage" included in the "products-completed operations hazard" and arising out of "your 

work" on any "residential construction" involving all operations conducted using "imported drywall", 

whether performed by you or on your behalf. 

(4) "Property damage" arising out of "your product" used in or ''your work" on any "residential construction" 

with respect to any electrical, mechanical, plumbing or structural system or equipment, or any other 

component, fixture or feature of any "residential construction", if any "imported drywall" is used in the 

"residential construction" containing that electrical, mechanical, plumbing or structural system or 

equipment, component, fixture or feature. 

(5) Any loss, cost or expenses arising out of the abating, testing for, monitoring, cleaning up, removing, 

containing, treating, detoxifying, neutralizing, re mediating, disposing of, or in anyway responding to or 

assessing the effects of "imported drywall" used in any "residential construction", or any gases, fumes, 

vapors or particulates emitted or released from such "imported drywall" used in any "residential 

construction". 

(6) Any obligations to share damages, losses, costs or expenses with or indemnify another party who 

must pay damages, losses, costs or expenses arising out of or relating to "imported drywall" used in 

any "residential construction", or any gases, fumes, vapors or particulates emitted or released from 

such "imported drywall" used in any "residential construction". 

(7) Any supervision, instructions, recommendations, warnings or advice given or which should have been 

given in connection with subparagraphs (1) through (6) above. 

This exclusion applies whether or not such "imported drywall" has any use or function in your business, 

operations, premises, site or location. 

B. The following definitions are added to the Definitions Section: 

"Imported drywall" means any drywall, plasterboard, sheetrock or gypsum board manufactured outside of 

U638-0210 Includes copyrighted material of Insurance Services Office, Inc. 

with its permission. 

Page 1 of 2 
103 GL 0003631-00 

the United States, or any pre-manufactured interior wall that is made with drywall, plasterboard, sheetrock 

or gypsum board manufactured outside of the United States. 

"Residential construction" means buildings, structures or other improvements to real property constructed, 

maintained or sold for the purpose of being used by natural persons as a dwelling, inclusive of all 

infrastructure improvements in connection therewith, including, but not limited to, grading/excavating, 

utilities, road paving/curbs/sidewalks. "Residential construction" shall include, but not be limited to, single 

or multiple family housing, including apartments, townhouses, condominiums, co-operatives, duplexes, 

triplexes, fourplexes, and single-family detached housing. 

U638-0210 

ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. 

Includes copyrighted material of Insurance Services Office, Inc. 

with its permission. 

Page 2 of 2 
103 GL 0003631-00 

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. 

EXCLUSION - WORK HEIGHT 

This endorsement modifies insurance provided under the following: 

COMMERCIAL GENERAL LIABILITY COVERAGE PART 

PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART 

SECTION I - COVERAGES, COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY, 

2. Exclusions and SECTION I - COVERAGES, PRODUCTS/COMPLETED OPERATIONS, BODILY 

INJURY AND PROPERTY DAMAGE LIABILITY, 2. Exclusions are amended and the following added: 

This insurance does not apply to: 

Work Height 

(1) "bodily injury" or "property damage" arising out of ongoing operations performed, by you or on 

your behalf, on the exterior of any building or structure which is the greater of six story(ies) or 

72 feet above ground level in height; or 

(2) "bodily injury" or "property damage" included in the "products-completed operations hazard" and 

arising out of "your work" performed on the exterior of any building or structure which is the 

greater of six story(ies) or 72 feet above ground level in height. 

U701-1011 

ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. 

Includes copyrighted material of Insurance Services Office, Inc., 

with its permission. 

Page 1 of 1 
103 GL 0003631-00 

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. 

EXCLUSION - BENZENE 

This endorsement modifies insurance provided under the following: 

COMMERCIAL GENERAL LIABILITY COVERAGE PART 

SECTION I - COVERAGES, COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY, 

2. Exclusions and COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY, 2. 

Exclusions are amended and the following added: 

This insurance does not apply to: 

Benzene 

(1) "bodily injury" or "personal and advertising injury" arising, in whole or in part, out of the actual, 

alleged, threatened or suspected inhalation of, ingestion of, contact with, exposure to, existence 

of, or presence of, benzene in any form. 

(2) "property damage" arising, in whole or in part, out of the actual, alleged, threatened or suspected 

contact with, exposure to, existence of, or presence of, benzene in any form. 

(3) any damages, loss, cost or expense arising, in whole or in part, out of the abating, testing for, 

monitoring, cleaning up, removing, containing, treating, detoxifying, neutralizing, remediating or 

disposing of, or in any way responding to or assessing the effects of, benzene in any form, by any 

insured or by any other person or entity. 

(4) any claim or "suit" by or on behalf of a governmental authority for damages, loss, cost or expense 

arising, in whole or in part, out of the abating, testing for, monitoring, cleaning up, removing, 

containing, treating, detoxifying, neutralizing, remediating or disposing of, or in any way 

responding to or assessing the effects of, benzene in any form, by any insured or by any other 

person or entity. 

This exclusion shall apply without regard to the source or sources of benzene, or the basis of the 

insured's liability. This exclusion includes defects or negligence in design, construction or materials, 

or any other event, conduct or misconduct, which may have or is claimed to have precipitated, caused 

or acted jointly, concurrently or in any sequence with benzene in any form in causing injury or 

damage. 

ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. 

U730-0212 Includes copyrighted material of Insurance Services Office, Inc., 

with its permission. 

Page 1 of 1 
103 GL 0003631-00 

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. 

CONDITIONAL EXCLUSION OF TERRORISM 

(RELATING TO DISPOSITION OF FEDERAL 

TERRORISM RISK INSURANCE ACT) 

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. 

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 

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with its permission. 
103 GL 0003631-00 

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 "suit", "claim", "injury", "damage", "bodily injury", "property damage", "personal and advertising 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. 

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. 

U884-1013 Includes copyrighted material of ISO Properties, Inc., 2005 

with its permission. 

Page 2 of 2 
COLONY INSURANCE POLICY 

2015 - 2016