exv10w21






Exhibit 10.21




			
	 	 	 
	
	 	Group Personal Excess Liability Policy






Coverage Summary



	 	 	 

	 

	 	Chubb Group of Insurance Companies
	 

	 	15 Mountain View Road
	 

	 	Warren, NJ 07060
	 
	 	 
	Name and address of Insured

	 	Policy Number: (11) 7993-19-97
	 
	 	 
	OFFICERS OF BOOZ ALLEN HAMILTON INC.
	 	 
	 
	 	 
	8283 GREENSBORO DRIVE
	 	 
	MC LEAN, VIRGINIA

	 	Issued by the stock insurance company
	22102

	 	indicated below, herein called the company.
	 
	 	 
	 

	 	FEDERAL INSURANCE COMPANY
	 
	 	 
	Producer No.: 0017811

	 	Incorporated under the laws of INDIANA
	 
	 	 
	Sponsoring Organization and Address
	 	 
	 
	 	 
	BOOZ ALLEN HAMILTON INC.
	 	 
	8283 GREENSBORO DR.
	 	 
	MCLEAN, VA 22102
	 	 






Policy Period



From: JANUARY 01, 2010 To: JANUARY 01, 2011

12:01 A.M. Standard Time at the Named Insured’s mailing address.




Premium



Amount

$127,149.00




Limit Of Liability




	 	 	 

	SEE ENDT

	 	Each Occurrence
	$2,000,000

	 	Excess Uninsured / Underinsured
	 

	 	Motorists Protection Each Occurrence






Required Primary Underlying Insurance



Personal Liability (Homeowners) for personal injury and property damage in the minimum amount
of $300,000 each occurrence.



Registered vehicles in the minimum amount of $250,000 / $500,000 bodily injury and $100,000
property damage; or $500,000 single limit each occurrence.




					
	 	 	 	 	 
	Group Personal Excess Liability Policy
	 	 	 	continued
	Form 10-02-0690 (Rev. 8-07)
	 	Declarations
	 	Page 1










 









 








Required Primary Underlying Insurance

(continued)



Unregistered vehicles in the minimum amount of $300,000 bodily injury and property damage each
occurrence.



Registered vehicles with less than four wheels and motorhomes in the minimum amount $250,000 /
$500,000 bodily injury and $100,000 property damage; or $500,000 single limit each occurrence.



Watercraft less than 26 feet and 50 engine rated horsepower or less for bodily and property damage
in the minimum amount of $300,000 each occurrence.



Watercraft 26 feet or longer or more than 50 engine rated horsepower for bodily injury and property
damage in the minimum amount of $500,000 each occurrence.



Uninsured
motorists/underinsured motorists protection in the minimum amount of $250,000 / $500,000
bodily injury and $100,000 property damage; or $500,000 single limit occurrence.



FAILURE TO COMPLY WITH THE REQUIRED PRIMARY UNDERLYING INSURANCE WILL RESULT IN A GAP IN COVERAGE.




Authorization



In Witness Whereof, the company issuing this policy has caused this policy to be signed by its
authorized officers and signed by a duly authorized representative of the company.




FEDERAL INSURANCE COMPANY




	 	 	 

	
	 	
	President
	 	Secretary






	 	 	 

	Date

DECEMBER 17, 2009

	 	

Authorized Representative






Producer’s Name & Address




MARSH USA, INC. (SOUTHWEST)

7251 W LK MEAD BLVD #401 

LAS VEGAS, NV 89128-0000




					
	 	 	 	 	 
	Group Personal Excess Liability Policy
	 	 	 	last page
	Form 10-02-0690 (Rev. 8-07)
	 	Declarations
	 	Page 2










 









 








					
	 	 	 	 	 
	
	 	Schedule of Forms
	 	 






	 	 	 

	Policy Number:

	 	(11) 7993-19-97
	Insured:

	 	OFFICERS OF BOOZ ALLEN HAMILTON INC.
	 
	 	 
	Policy Period From:

	 	JANUARY 01, 2010 to JANUARY 01, 2011





The following is a schedule of forms issued with the policy at inception:




	 	 	 	 	 	 	 	 	 
	Form Name
	 	Form Number
	COVERAGE SUMMARY/DECLARATIONS
	 	 	10-02-0690	 	 	 	(08/07	)
	GROUP PERSONAL EXCESS — CONTRACT/POLICY TERMS
	 	 	10-02-0691	 	 	 	(08/07	)
	ANNUAL PREMIUM ADJUSTMENT CLAUSE
	 	 	10-02-0692	 	 	 	(08/96	)
	NAMED INSURED ENDT OFFICERS
	 	 	10-02-0692	 	 	 	(08/96	)
	NAMED INSURED ENDT VICE PRESIDENTS
	 	 	10-02-0692	 	 	 	(08/96	)






Last page




Page 1

Form 10-02-0414 (Ed. 9/93)




 









 










GROUP PERSONAL

EXCESS LIABILITY

POLICY




			
	 	 	 
	Form 10-02-0691 (Rev. 8-07)
	 	Page 1 of 15










 









 








			
	 	 	 
	
	 	GROUP PERSONAL EXCESS LIABILITY POLICY






INTRODUCTION



This is your Chubb Group Personal Excess Liability Policy. Together with your Coverage
Summary, it explains your coverages and other conditions of your insurance in detail.



This policy is a contract between you and us. READ YOUR POLICY CAREFULLY and keep it in a safe
place.



Agreement



We agree to provide the insurance described in this policy in return for the premium paid by
you or the Sponsoring Organization and your compliance with the policy conditions.




Definitions



In this policy, we use words in their plain English meaning. Words with special meanings are
defined in the part of the policy where they are used. The few defined terms used throughout the
policy are defined here:



You
means the individual who is a member of the Defined Group shown as the Insured named in the
Coverage
Summary.



We and us mean the insurance company named in the Coverage Summary.



Family member means your spouse or domestic partner or other relative who lives with you, or any
other person under 25 in your care or your relative’s care who lives with you.



Domestic partner means a person in a legal or personal relationship with you, who lives with you
and shares a common domestic life with you, and meeting all of the benefits eligibility criteria as
defined by the Sponsoring Organization.



Sponsoring Organization means the entity, corporation, partnership or sole proprietorship
sponsoring and defining the criteria for qualification as an Insured.



Policy means your entire Group Personal Excess Liability Policy, including the Coverage Summary.



Coverage Summary means the most recent Coverage Summary we issued to you, including any
endorsements.



Occurrence means an accident or offense to which this insurance applies and which begins within the
policy period. Continuous or repeated exposure to substantially the same general conditions unless
excluded is considered to be one occurrence.



Business means any employment, trade, occupation, profession, or farm operation including the
raising or care of animals.



Defined Group means those individuals meeting the criteria for qualification as an Insured as
defined by the Sponsoring Organization and accepted by us.



Follow form means we cover damages to the extent they are both covered under the Required Primary
Underlying Insurance and, not excluded under this policy. Also, the amount of coverage, defense
coverages, cancellation and “other insurance” provisions of this policy supersede and replace the
similar provisions contained in such other policies. When this policy is called upon to pay losses
in excess of required primary underlying policies exhausted by payment of claims, we do not provide
broader coverage than provided by such policies. When no primary underlying coverage exists, the
extent of coverage provided on a follow form basis will be determined as if the required primary
underlying insurance had been purchased from us.



Covered person means:





	•	 	you or a family member;
	 
	•	 	any person using a vehicle or watercraft covered under this policy with permission from you or a
family member with respect to their legal responsibility arising out of its use;
	 
	•	 	any other person who is a covered person under your Required
Primary Underlying Insurance;
	 
	•	 	any person or organization with respect to their legal responsibility for covered acts or
omissions of you or a family member; or
	 
	•	 	any combination of the above.




Damages mean the sum that is paid or is payable to satisfy a claim settled by us or resolved by
judicial procedure or by a compromise we agree to in writing.



Personal injury means the following injuries, and resulting death:





	•	 	bodily injury;
	 
	•	 	shock, mental anguish, or mental injury;





			
	 	 	 
	Form 10-02-0691 (Rev. 8-07)
	 	Page 2 of 15










 









 




Definitions

(continued)



	•	 	false arrest, false imprisonment, or wrongful detention;
	 
	•	 	wrongful entry or eviction;
	 
	•	 	malicious prosecution or humiliation; and
	 
	•	 	libel, slander, defamation of character, or invasion of privacy.





Bodily injury means physical bodily harm, including sickness or disease that results from it, and
required care, loss of services and resulting death.


Property damage means physical injury to or destruction of tangible property and the resulting
loss of its use. Tangible property includes the cost of recreating or replacing stocks, bonds,
deeds, mortgages, bank deposits, and similar instruments, but does not include the value
represented by such instruments. Tangible property does not include the cost of recreating or
replacing any software, data or other information that is in electronic form.


Registered vehicle means any motorized land vehicle not described in “unregistered vehicle.”


Unregistered vehicle means:



	•	 	any motorized land vehicle not designed for or required to be registered for use on public roads;
	 
	•	 	any motorized land vehicle which is in dead storage at your residence;
	 
	•	 	any motorized land vehicle used solely on and to service your residence premises;
	 
	•	 	any motorized land vehicle used to assist the disabled that is not designed for or required to be
registered for use on public roads; or
	 
	•	 	golf carts.





GROUP PERSONAL EXCESS LIABILITY COVERAGE


This part of your Group Personal Excess Liability Policy provides you or a family member with
liability coverage in excess of your underlying insurance anywhere in the world unless stated
otherwise or an exclusion applies.


Payment for a Loss


Amount of coverage


The amount of coverage for liability is shown in the Coverage Summary. We will pay on your
behalf up to that amount for covered damages from any one occurrence, regardless of how many
claims, homes, vehicles, watercraft, or people are involved in the occurrence.


Any costs we pay for legal expenses (see Defense coverages) are in addition to the amount of
coverage.


Underlying Insurance


We will pay only for covered damages in excess of all underlying insurance covering those
damages, even if the underlying coverage is for more than the minimum amount.


“Underlying insurance” includes all liability coverage that applies to the covered damages, except
for other insurance purchased in excess of this policy.


Required primary underlying insurance


Regardless of whatever other primary underlying insurance may be available in the event of a
claim or loss, it is a condition of your policy that you and your family members must maintain in
full effect primary underlying liability insurance of the types and in at least the amounts set
forth below unless a different amount is shown in your Coverage Summary, covering your personal
liability and to the extent you or a family member have such liability exposures, all vehicles and
watercraft you or your family members own, or rent for longer than 60 days, or have furnished for
longer than 60 days, as follows:


Personal liability (homeowners) for personal injury and property damage in the minimum amount of
$300,000 each occurrence.



			
	 	 	 
	Form 10-02-0691 (Rev. 8-07)
	 	Page 3 of 15





 








 

\






			
	 	 	 
	
	 	GROUP PERSONAL EXCESS LIABILITY POLICY






Payment for a Loss

(continued)



Registered vehicles in the minimum amount of:





	•	 	$250,000/$500,000 bodily injury and $100,000 property damage;
	 
	•	 	$300,000/$300,000 bodily injury and $100,000 property damage; or
	 
	•	 	$300,000 single limit each occurrence.




Unregistered vehicles in the minimum amount of $300,000 bodily injury and property damage each
occurrence.



Registered vehicles with less than four wheels and motorhomes in the minimum amount of:





	•	 	$250,000/$500,000 bodily injury and $100,000 property damage;
	 
	•	 	$300,000/$300,000 bodily injury and $100,000 property damage; or
	 
	•	 	$300,000 single limit each occurrence.




Watercraft less than 26 feet and 50 engine rated horsepower or less for bodily injury and property
damage in the minimum amount of $300,000 each occurrence.



Watercraft 26 feet or longer or more than 50 engine rated horsepower for bodily injury and property
damage in the minimum amount of $500,000 each occurrence.



Uninsured motorists/underinsured motorist protection in the minimum amounts of:





	•	 	$250,000/$500,000 bodily injury and $100,000 property damage;
	 
	•	 	$300,000/$300,000 bodily injury and $100,000 property damage; or
	 
	•	 	$300,000 single limit each occurrence.




With respect to you and your family members residing outside of the United States, the required
primary underlying insurance limits of liability shall be the same limits of liability as shown
above, unless you and your family members reside in a country where the minimum required primary
underlying insurance limits of liability are not available. In these countries, you and your
family members must maintain in full effect primary underlying liability insurance limits equal to
the maximum limits of liability available in that country for all coverages up to the minimum
required primary underlying limits shown in the Coverage Summary under Required Primary Underlying
Insurance.



Failure by you or your family members to comply with this condition, or failure of any of your
primary underlying insurers due to insolvency or bankruptcy, shall not invalidate this policy. In
the event of any such failure, we shall only be liable in excess of the foregoing minimum amounts
and to no greater extent with respect to coverages, amounts and defense costs than we would have
been had this failure not occurred.



You must also give notice of losses and otherwise cooperate and comply with the terms and
conditions of such primary underlying insurance.




Excess Liability Coverage



We cover damages a covered person is legally obligated to pay for personal injury or property
damage, caused by an occurrence:





	•	 	in excess of damages covered by the underlying insurance; or
	 
	•	 	from the first dollar of damage where no underlying insurance is required under this policy and
no underlying insurance exists; or
	 
	•	 	from the first dollar of damage where underlying insurance is required under this policy but no
coverage is provided by the underlying insurance for a particular occurrence




unless stated otherwise or an exclusion applies.



Exclusions to this coverage are described in Exclusions.




Excess uninsured motorists/underinsured motorist protection



This coverage is in effect only if excess uninsured motorists/underinsured motorists protection is
shown in the Coverage Summary.




			
	 	 	 
	Form 10-02-0691 (Rev. 8-07)
	 	Page 4 of 15






 









 






Excess Liability Coverage

(continued)



We cover damages for bodily injury and property damage a covered person is legally entitled to
receive from the owner or operator of an uninsured motorized/underinsured motorized land vehicle.
We cover these damages in excess of the underlying insurance or the Required Primary Underlying
Insurance, whichever is greater, if they are caused by an occurrence during the policy period,
unless otherwise stated.



Amount of coverage. The maximum amount of excess uninsured motorists/underinsured motorists
protection available for any one occurrence is the excess uninsured motorists/underinsured
motorists protection amount shown in the Coverage Summary regardless of the number of vehicles
covered by the Required Primary Underlying Insurance. We will not pay more than this amount in any
one occurrence for covered damages regardless of how many claims, vehicles or people are involved
in the occurrence.



This coverage will follow form.




Uninsured motorists/underinsured motorists protection arbitration



If we and a covered person disagree whether that person is legally entitled to recover damages from
the owner or operator of an uninsured motor vehicle/underinsured motor vehicle, or do not agree as
to the amount of damages, either party may make a written demand for arbitration. In this event,
each party will select an arbitrator. The two arbitrators will select a third. If they cannot agree
on a third arbitrator within 45 days, either may request that the arbitration be submitted to the
American Arbitration Association. When the covered person’s recovery exceeds the minimum limit
specified in the applicable jurisdiction’s financial responsibility law, each party will pay the
expenses it incurs, and bear the expenses of the third arbitrator equally. Otherwise, we will bear
all the expenses of the arbitration.



Unless
both parties agree otherwise, arbitration will take place in the county and state in which
the covered person lives. Local rules of law as to procedure and evidence will apply. A decision
agreed to by two arbitrators will be binding unless the recovery amount for bodily injury exceeds
the minimum limit specified by the applicable jurisdiction’s
financial responsibility law. If the
amount exceeds that limit, either party may demand the right to a trial. This demand must be made
within 60 days of the arbitrator’s decision. If this demand
is not made, the amount of damages
agreed to by the arbitrators will be binding.




Defense coverages



We will defend a covered person against any suit seeking covered damages for personal injury or
property damage that is either:





	•	 	not covered by any underlying insurance; or
	 
	•	 	covered by an underlying policy. This will apply to each Defense Coverage as it has been
exhausted by payment of claims.




We provide this defense at our expense, with counsel of our choice, even if the suit is groundless,
false, or fraudulent. We may investigate, negotiate, and settle any
such claim or suit at our
discretion.



As part of our investigation, defense, negotiation, or settlement, we will pay:





	•	 	all premiums on appeal bonds required in any suit we defend;
	 
	•	 	all premiums on bonds to release attachments for any amount up to the amount of coverage (but we
are not obligated to apply for or furnish any bond);
	 
	•	 	all expenses incurred by us;
	 
	•	 	all costs taxed against a covered person;
	 
	•	 	all interest accruing after a judgment is entered in a suit we defend on only that part of the
judgment we are responsible for paying. We will not pay interest accruing after we have paid the
judgment up to the amount of coverage;
	 
	•	 	all prejudgment interest awarded against a covered person on that part of the judgment we pay or
offer to pay. We will not pay any prejudgment interest based on that period of time after we make
an offer to pay the amount of coverage;
	 
	•	 	all earnings lost by each covered person at our request, up to $25,000;
	 
	•	 	other reasonable expenses incurred by a covered person at our request; and
	 
	•	 	the cost of bail bonds required of a covered person because of a covered loss.




In jurisdictions where we may be prevented by local law from carrying out these Defense Coverages,
we will pay only those defense expenses that we agree in writing to pay and that are incurred by
you.




			
	 	 	 
	Form 10-02-0691 (Rev. 8-07)
	 	Page 5 of 15










 









 








			
	 	 	 
	
	 	GROUP PERSONAL EXCESS LIABILITY POLICY






Extra Coverages



In addition to covering damages and defense costs, we also provide other related coverages.
These coverages are in addition to the amount of coverage for damages and defense costs unless
stated otherwise.



Shadow defense coverage



If we are defending you or a family member in a suit seeking covered damages, we will pay
reasonable expenses you or a family member incur up to $10,000 or the amount shown in the Coverage
Summary for a law firm of your choice to review and monitor the defense. However any recommendation
by your personal attorney is not binding on us. We will pay these costs provided that you obtain
prior approval from us before incurring any fees or expenses.



Identity fraud



We will pay for your or a family member’s identity fraud expenses, up to a maximum of $25,000,
for each identity fraud occurrence.



“Identity fraud” means the act of knowingly transferring or using, without lawful authority, your
or a family member’s means of identity which constitutes a violation of federal law or a crime
under any applicable state or local law.



“Identity fraud occurrence” means any act or series of acts of identity fraud by a person or group
commencing in the policy period.



“Identity fraud expenses” means:





	•	 	the costs for notarizing affidavits or similar documents for law enforcement agencies, financial
institutions or similar credit grantors, and credit agencies;
	 
	•	 	the costs for sending certified mail to law enforcement agencies, financial institutions or
similar credit grantors, and credit
agencies;
	 
	•	 	the loan application fees for reapplying for loan(s) due to the rejection of the original
application because the lender received incorrect credit information;
	 
	•	 	the telephone expenses for calls to businesses, law enforcement agencies, financial institutions
or similar credit grantors,
and credit agencies;
	 
	•	 	earnings lost by you or a family member as a result of time off from work to complete fraud
affidavits, meet with law enforcement agencies, credit agencies, merchants, or legal counsel;
	 
	•	 	the reasonable attorney fees incurred with prior notice to us for:
	 
	•	 	the defense of you or a family member against any suit(s) by businesses or their collection
agencies;
	 
	•	 	the removal of any criminal or civil judgements wrongly
entered against you or a family member;
	 
	•	 	any challenge to the information in your or a family member’s consumer credit report; and
	 
	•	 	the reasonable fees incurred with prior notice to us by an identity fraud mitigation entity to:
	 
	•	 	provide services for the activities described above;
	 
	•	 	restore accounts or credit standing with financial institutions or similar credit grantors and
credit agencies; and
	 
	•	 	monitor for up to one year the effectiveness of the fraud mitigation and to detect additional
identity fraud activity after the first identify fraud occurrence.




However, such monitoring must begin no later than one year after you or a family member first
report an identity fraud occurrence to us.



However, “identity fraud expenses” does not include expenses incurred due to any fraudulent,
dishonest or criminal act by a covered person or any person acting with a covered person, or by any
authorized representative of a covered person, whether acting alone or in collusion with others.



“Identity fraud mitigation entity” means a company that principally provides professional,
specialized services to counter identity fraud for individuals or groups of individuals, or a
financial institution that provides similar services.



In addition to the duties described in Policy Terms, Liability Conditions, Your duties after a
loss, you shall notify an
applicable law enforcement agency.




			
	 	 	 
	Form 10-02-0691 (Rev. 8-07)
	 	Page 6 of 15










 









 








Extra Coverages

(continued)




Kidnap expenses



We will pay up to a maximum of $100,000 for kidnap expenses you or a family member incurs
solely and directly as a result of a kidnap and ransom occurrence. In addition, we also will pay up
to $25,000 to any person for information not otherwise available leading to the arrest and
conviction of any person(s) who kidnaps you, a family member or a covered relative. The following
are not eligible to receive this reward payment:





	•	 	you or a family member; or
	 
	•	 	a covered relative who witnessed the occurrence.





“Kidnap and ransom occurrence” means the actual or alleged wrongful taking of:





	•	 	you;
	 
	•	 	one or more family members; or
	 
	•	 	one or more covered relatives while visiting or legally traveling with you or a family member;




     from anywhere in the world except those places listed on the United States State Department
Bureau of Consular Affairs Travel Warnings list at the time of the occurrence. The occurrence must
include a demand for ransom payment which would be paid by you or a family member in exchange for
the release of the kidnapped person(s).




“Kidnap expenses” means the reasonable costs for:





	•	 	a professional negotiator;
	 
	•	 	a professional security consultant;
	 
	•	 	professional security guard services;
	 
	•	 	a professional public relations consultant;
	 
	•	 	travel, meals, lodging and phone expenses incurred by you or a family member;
	 
	•	 	advertising, communications and recording equipment;
	 
	•	 	related medical, cosmetic, psychiatric and dental expenses incurred by a kidnapped person within 12 months from that person’s release;
	 
	•	 	attorneys fees;
	 
	•	 	a professional forensic analyst;
	 
	•	 	earnings lost by you or a family member, up to $25,000.




However, “kidnap expenses” does not include expenses incurred due to any kidnap and ransom
occurrence caused by:





	•	 	you or a family member;
	 
	•	 	a covered relative;
	 
	•	 	any guardian, or former guardian of you, a family member or covered relative;
	 
	•	 	any estranged spouse or domestic partner, or former spouse or domestic partner of you or a family
member;
	 
	•	 	any person unrelated to you or a family member who lives with you or a family member or has ever
lived with you or a family member for 6 or more months, other than a domestic employee, residential
staff, or a person employed by you or a family member for farm work; or
	 
	•	 	a civil authority,




or any person acting on behalf of any of the above, whether acting alone or in collusion with
others.



“Covered relative” means the following relatives of you, or a spouse or domestic partner who lives
with you, or any family member:





	•	 	children, their children or other descendents of theirs;
	 
	•	 	parents, grandparents or other ancestors of theirs; or
	 
	•	 	siblings, their children or other descendents of theirs;




who do not live with you, including spouses or domestic partners of all of the above. Parents,
grandparents and other ancestors include adoptive parents, stepparents and stepgrandparents.



Reputational injury. If we are defending you or a family member in a suit seeking covered damages,
we will pay reasonable and necessary fees or expenses that you or a family member incur for
services provided by a reputation management firm to minimize potential injury to the reputation of
you or a family member solely as a result of personal injury or property damage, caused by an
occurrence if:





	•	 	the reputational injury is reported to us as soon as reasonably possible but not later than 30
days after the personal injury or property damage occurrence; and
	 
	•	 	you obtain approval of the reputation management firm from us before incurring any fees or
expenses, unless stated otherwise or an exclusion applies. There is no deductible for this
coverage.




A Reputation management firm means a professional public relations consulting firm, a professional
security consulting firm or a professional media management
consulting firm.




			
	 	 	 
	Form 10-02-0691 (Rev. 8-07)
	 	Page 7 of 15










 









 








			
	 	 	 
	
	 	GROUP PERSONAL EXCESS LIABILITY POLICY






Extra Coverages

(continued)



The maximum amount of coverage for Reputational injury available for any one occurrence is $25,000
or the amount shown in the Coverage Summary. We will not pay more than this amount in any one
occurrence for covered damages regardless of how many claims or people are involved in the
occurrence.



The maximum annual amount of coverage for Reputational injury shown in the Coverage Summary is the
most we will  pay for the sum of all covered damages you or a family member incur during the
policy period regardless of the number of claims, people, or occurrences.



This coverage does not apply to loss caused by a wrongful employment act covered by Employment
Practices Liability Insurance.




Exclusions



These exclusions apply to your Group Personal Excess Liability Coverage, unless stated
otherwise.



Aircraft. We do not cover any damages arising out of the ownership, maintenance, use, loading,
unloading, or towing of any aircraft, except aircraft chartered with crew by you. We do not cover
any property damages to aircraft rented to, owned by, or in the care, custody or control of a
covered person.



Hovercraft. We do not cover any damages arising out of the ownership, maintenance, use, loading,
unloading or towing of any hovercraft. We do not cover any property damages to hovercraft rented
to, owned by, or in the care, custody or control of a covered person.



Motorized land vehicle racing or track usage. We do not cover any damages arising out of the
ownership, maintenance or use of any motorized land vehicle:





	•	 	during any instruction, practice, preparation for, or participation in, any competitive,
prearranged or organized racing,
speed contest, rally, gymkhana, sports event, stunting activity, or timed event of any kind; or
	 
	•	 	on a racetrack, test track or other course of any kind.




Watercraft and aircraft racing or track usage. We do not cover any damages arising out of the
ownership, maintenance or use of any watercraft or aircraft during any instruction, practice,
preparation for, or participation in, any competitive, prearranged or organized racing, speed
contest, rally, sports event, stunting activity or timed event of any kind. This exclusion does not
apply to you or a family member for sailboat racing even if the sailboat is equipped with an
auxiliary motor.



Motorized land vehicle-related jobs. We do not cover any damages arising out of the ownership,
maintenance, or use of a motorized land vehicle by any person who is employed or otherwise engaged
in the business of selling, repairing, servicing, storing, parking, testing, or delivering
motorized land vehicles. This exclusion does not apply to you, a family member, or your employee or
an employee of a family member for damages arising out of the ownership, maintenance or use of a
motorized land vehicle owned by, rented to, or furnished to you or a family member.



Watercraft-related jobs. We do not cover any damages arising out of the ownership, maintenance, or
use of a watercraft by any person who is engaged by or employed by, or is operating a marina, boat
repair yard, shipyard, yacht club, boat sales agency, boat service station, or other similar
organization. This exclusion does not apply to damages arising out of the ownership, maintenance,
or use of a watercraft by you, a family member, or your or a family member’s captain or full time
paid crew member maintaining or using this watercraft with permission from you or a family member.



Motorized land vehicle and watercraft loading. We do not cover any person or organization, other
than you or a family member or your or a family member’s employees, with respect to the loading or
unloading of motorized land vehicles or watercraft.



Workers’ compensation or disability. We do not cover any damages a covered person is legally:





	•	 	required to provide; or
	 
	•	 	voluntarily provides




under any:





	•	 	workers’ compensation;
	 
	•	 	disability benefits;
	 
	•	 	unemployment compensation; or
	 
	•	 	other similar laws.





			
	 	 	 
	Form 10-02-0691 (Rev. 8-07)
	 	Page 8 of 15






 









 







Exclusions

(continued)



But we do provide coverage in excess over any other insurance for damages you or a family member is
legally required to pay for bodily injury to a domestic employee of a residence covered under the
Required Primary Underlying Insurance which are not compensable under workers’ compensation, unless
another exclusion applies.



Director’s liability. We do not cover any damages for any covered person’s actions or failure to
act as an officer or member of a board of directors of any corporation or organization. However, we
do coyer such damages if you are or a family member is an officer or member of a board of directors
of a:





	•	 	homeowner, condominium or cooperative association; or
	 
	•	 	not-for-profit corporation or organization for which he or she is not compensated; 





unless another
exclusion applies.


Damage
to covered person’s property. We do not cover any person for property damage to property
owned by any covered person.



Damage to property in your care. We do not cover any person for property damage to property rented to, occupied by,
used by, or in the care of any covered person, to the extent that the covered person is required by contract to provide
insurance. But we do cover such damages for loss caused by fire, smoke, or explosion unless another exclusion applies. 


Wrongful
employment act. We do not cover any damages arising out of a wrongful employment act. A
wrongful employment act means any employment discrimination, sexual harassment, or wrongful
termination of any residential staff actually or allegedly committed or attempted by a covered
person while acting in the capacity as an employer, that violates applicable employment law of any
federal, state, or local statute, regulation, ordinance, or common law of the United States of
America, its territories or possessions, or Puerto Rico.



“Employment discrimination” as it relates solely to a wrongful employment act means a violation of
applicable employment discrimination law protecting any residential
staff based on his or her race,
color, religion, creed, age, sex, disability, national origin or other status according to any
federal, state, or local statute, regulation, ordinance, or common law of the United States of
America, its territories or possessions, or Puerto Rico.



“Sexual harassment” as it relates solely to a wrongful employment act means unwelcome sexual
advances, requests for sexual favors, or other conduct of a sexual nature that:





	•	 	is made a condition of employment of any residential staff;
	 
	•	 	is used as a basis for employment decisions;
	 
	•	 	interferes with performance of any residential staff’s duties; or
	 
	•	 	creates an intimidating, hostile, or offensive working environment.




“Wrongful termination” as it relates solely to a wrongful employment act means





	•	 	the actual or constructive termination of employment of any
residential staff by you or a family
member in violation of applicable employment law; or
	 
	•	 	breach of duty and care when you or a family member
terminates an employment relationship with
any residential staff.




“Residential
staff” as it relates solely to a wrongful employment act means your or a family
member’s employee who is:





	•	 	employed by you or a family member, or through a firm under an agreement
with you or a family member, to perform duties related only to a covered person’s domestic,
personal, or business pursuits covered under this part of your policy;
	 
	•	 	compensated for labor or
services directed by you or a family member; and
	 
	•	 	employed regularly to work 15 or more hours per
week.




Residential staff includes a temporary worker. Residential staff does not include an independent
contractor or any covered person.



“Temporary worker” as it relates solely to a wrongful employment act means your or a family
member’s employee who
is:





	•	 	employed by you or a family member, or through a firm under an agreement with you or a family
member, to perform duties related only to a covered person’s domestic, personal, or business
pursuits covered under this part of your policy;
	 
	•	 	compensated for labor or services directed by you or a family member; and
	 
	•	 	employed to work 15 or more hours per week to substitute for any residential staff on leave or
to meet seasonal or short-term workload demands for 30 consecutive days or longer during a 6 month
period.





			
	 	 	 
	Form 10-02-0691 (Rev. 8-07)
	 	Page 9 of 15










 









 







			
	 	 	 
	
	 	GROUP PERSONAL EXCESS LIABILITY POLICY






Exclusions

(continued)



Temporary worker does not include an independent contractor or any covered person.



Discrimination.
We do not cover any damages arising out of discrimination due to age, race, color,
sex, creed, national origin, or any other discrimination.



Intentional acts. We do not cover any damages arising out of a willful, malicious, fraudulent or
dishonest act or any act intended by any covered person to cause personal injury or property damage,
even if the injury or damage is of a different degree or type than actually intended or expected.
But we do cover such damages if the act was intended to protect people or property unless another
exclusion applies. An intentional act is one whose consequences could have been foreseen by a
reasonable person.



Molestation, misconduct or abuse. We do not cover any damages arising out of any actual, alleged or
threatened:





	•	 	sexual molestation;
	 
	•	 	sexual misconduct or harassment; or
	 
	•	 	abuse.




Nonpermissive use. We do not cover any person who uses a motorized land vehicle or watercraft
without permission from you or a family member.



Business pursuits. We do not cover any damages arising out of a covered person’s business pursuits,
investment or other for-profit activities, for the account of a covered person or others, or
business property except on a follow form basis.



But we do cover damages arising out of volunteer work for an organized charitable, religious or
community group, an incidental business away from home, incidental business at home, incidental
business property, incidental farming, or residence premises conditional business liability unless
another exclusion applies. We also cover damages arising out of your or a family member’s
ownership, maintenance, or use of a private passenger motor vehicle in business activities other
than selling, repairing, servicing, storing, parking, testing, or delivering motorized land
vehicles.



Unless stated otherwise in your Coverage Summary:



“Incidental business away from home” is a self-employed sales activity, or a self-employed business
activity normally undertaken by person under the age of 18 such as newspaper delivery, babysitting,
caddying, and lawn care. Either of these activities must:





	•	 	not yield gross revenues in excess of $15,000 in any year;
	 
	•	 	have no employees to worker’s compensation or other similar disability laws;
	 
	•	 	conform to local, state, and federal laws.





			
	 	 	 
	Form 10-02-0691 (Rev. 8-07)
	 	Page 10 of 15










 









 








Exclusions

(continued)



“Incidental business at home” is a business activity, other than farming, conducted on your
residence premises which must:





	•	 	not yield gross revenues in excess of $15,000, in any year,
except for the business activity of
managing one’s own personal investments;
	 
	•	 	have no employees subject to worker’s compensation or other similar disability laws;
	 
	•	 	conform to local, state, and federal laws.




“Incidental business property” is limited to the rental or holding for rental, to be used as a
residence, of a condominium or cooperative unit owned by you or a family member, an apartment unit
rented to you or a family member, a one or two family dwelling owned by you or a family member, or
a three or four family dwelling owned and occupied by you or a family member. We provide this
coverage only for premises covered under the Required Primary Underlying Insurance unless the
rental or holding for rental is for:





	•	 	a residence of yours or a family member’s that is occasionally
rented and that is used exclusively as a residence; or
	 
	•	 	part of a residence of yours or a family member’s by one or two roomers or boarders; or
	 
	•	 	part of a residence of yours or a family member’s as an office, school, studio, or private
garage.




“Incidental farming” is a farming activity which meets all of the following requirements:





	•	 	is incidental to your or a family member’s use of the premises as a residence;
	 
	•	 	does not involve employment of others for more than 1,500 hours of farm work during the policy
period;
	 
	•	 	does not produce more than $25,000 in gross annual revenue from agricultural operations;
	 
	•	 	and with respect to the raising or care of animals:






	 	•	 	does not produce more than $50,000 in gross annual revenues;
	 
	 	•	 	does not involve more than 25 sales transactions during the policy period;
	 
	 	•	 	does not involve the sale of more than 50 animals during the policy period.




“Residence premises conditional business liability” is limited to business or professional
activities when legally conducted by you or a family member at your residence. We provide coverage
only for personal injury or property damage arising out of the physical condition of that
residence if:





	•	 	you or a family member do not have any employees involved in your business or professional
activities who are subject to workers’ compensation or other similar disability laws; or, if you or
a family member are a doctor or dentist, you do not have more than two employees subject to such
laws;






	•	 	you or a family member do not earn annual gross revenues in excess of $5,000, if you or a family
member are a home day care provider.




We do not cover damages or consequences resulting from business or professional care or services
performed or not performed.



The following additional exclusion applies only to “incidental farming” as described under the
exclusion, Business pursuits.



Contamination. We do not cover any actual or alleged damages arising out of the discharge,
dispersal, seepage, migration or release or escape of pollutants. Nor
do we cover any cost or
expense arising out of any request, demand or order to:





	•	 	extract pollutants from land or water;






	•	 	remove, restore or replace polluted or contaminated land or water; or






	•	 	test for, monitor, clean up, remove, contain, treat, detoxify or neutralize pollutants, or in any
way respond to or assess the effects of pollutants.




However, this exclusion does not apply if the discharge, dispersal, seepage, migration, release or
escape is sudden and accidental. A “pollutant” is any solid, liquid, gaseous or thermal irritant or
contaminant, including smoke (except smoke from a hostile fire), vapor, soot, fumes, acids,
alkalis, chemicals and waste. A “contaminant” is an impurity resulting from the mixture of or
contact of a substance with a foreign substance. “Waste” includes materials to be disposed of,
recycled, reconditioned or reclaimed.




			
	 	 	 
	Form 10-02-0691 (Rev. 8-07)
	 	Page 11 of 15










 









 








			
	 	 	 
	
	 	GROUP PERSONAL EXCESS LIABILITY POLICY






Exclusions

(continued)



Financial guarantees. We do not cover any damages for any covered person’s financial guarantee
of the financial performance of any covered person, other individual or organization.



Professional services. We do not cover any damages for any covered person’s performing or failure
to perform professional services, or for professional services for which any covered person is
legally responsible or licensed.



Acts of war. We do not cover any damages caused directly or indirectly by war, undeclared war,
civil war, insurrection, rebellion, revolution, warlike acts by military forces or personnel, the
destruction or seizure of property for a military  purpose, or the consequences of any of these
actions.



Contractual liability. We do not cover any assessments charged against a covered person as a member
of a homeowners, condominium or cooperative association. We also do not cover any damages arising
from contracts or agreements made in connection with any covered person’s business. Nor do we cover
any liability for unwritten contracts, or contracts in which the liability of others is assumed
after a covered loss.



Covered person’s or dependent’s personal injury. We do not cover any damages for personal injury
for any covered person or their dependents where the ultimate beneficiary is the offending party
or defendant. We also do not cover any damages for personal injury for which you can be held
legally liable, in any way, to a family member, your spouse or domestic partner or for which a
family member, your spouse or domestic partner can be held legally liable, in any way, to you.



However, we do cover damages for bodily injury arising out of the use of a motorized land vehicle
for which you can be held legally liable to a family member, your spouse or domestic partner or for
which a family member, your spouse or domestic partner can be held legally liable to you to the
extent that coverage is provided under this policy. This coverage applies only to the extent such
damages are covered by primary underlying insurance and exceed the limits of insurance required for
that motorized land vehicle under the Required Primary Underlying Insurance provisions of this
policy.



Liability for dependent care. We do not cover any damages for personal injury for which a covered
person’s only legal liability is by virtue of a contract or other responsibility for a dependent’s
care.



Illness. We do not cover personal injury or property damage resulting from any illness, sickness or
disease transmitted intentionally or unintentionally by a covered person to anyone, or any
consequence resulting from that illness, sickness or disease. We also do not cover any damages for
personal injury resulting from the fear of contracting any illness, sickness or disease, or any
consequence resulting from the fear of contracting any illness, sickness or disease.



Fungi
and mold. We do not cover any actual or alleged damages or
medical expenses arising out of
mold, the fear of mold, or any consequences resulting from mold or the fear of mold. “Mold” means
fungi, mold, mold spores, mycotoxins, and the scents and other by products of any of these.



Nuclear or radiation hazard. We do not cover any damages caused directly or indirectly by nuclear
reaction, radiation, or radioactive contamination, regardless of how it was caused.




POLICY TERMS



This part of your Group Personal Excess Liability Policy explains the conditions that apply to
your policy.




General Conditions



These conditions apply to your policy in general, and to each coverage provided in the policy.




Policy period



The effective dates of your policy are shown in the Coverage Summary. Those dates begin at
12:01 a.m. standard time at the mailing address shown.



All coverages on this policy apply only to occurrences that take place while this policy is in
effect.




Transfer of rights



If we make a payment under this policy, we will assume any recovery rights a covered person
has in connection with that loss, to the extent we have paid for the loss.




			
	 	 	 
	Form 10-02-0691 (Rev. 8-07)
	 	Page 12 of 15










 









 








General Conditions

(continued)



All of your rights of recovery will become our rights to the extent of any payment we make
under this policy. A covered person will do everything necessary to secure such rights; and do
nothing after a loss to prejudice such rights. However, you may waive any rights of recovery from
another person or organization for a covered loss in writing before the loss occurs.




Concealment or fraud



We do not provide coverage if you or any covered person has intentionally concealed or
misrepresented any material fact relating to this policy before or after a loss.




Application of coverage



Coverage applies separately to each covered person. However, this provision does not increase
the amount of coverage for any one occurrence.




Assignment



You cannot transfer your interest in this policy to anyone else unless we agree in writing to
the transfer.




Policy changes



This
policy can be changed only by a written amendment we issue.




Bankruptcy or insolvency



We will meet all our obligations under this policy regardless of whether you, your estate, or
anyone else or their estate becomes bankrupt or insolvent.




In case of death



In the event of your death, coverage will be provided until the end of the policy period or
policy anniversary date, whichever occurs first, for any surviving
member of your household who is
a covered person at the time of death. We will also cover your legal representative or any person
having proper temporary custody of your property.




Liberalization



We may extend or broaden the coverage provided by this policy. If we do this during the policy
period or within 60 days before it begins, without increasing the premium, then the extended or
broadened coverage will apply to occurrences after the effective date of the extended or broadened
coverage.




Conforming to state law



If any provision of this policy conflicts with any applicable laws of the state you live in,
this policy is amended to
conform to those laws.



Conforming to trade sanction laws



This policy does not apply to the extent that trade or economic sanctions or other laws or
regulations prohibit us from providing insurance.




Liability Conditions



These conditions apply to all liability coverages in this policy.



Other Insurance



This
insurance is excess over any other insurance except for those
policies that:





	•	 	are written specifically to cover excess over the amount of coverage that applies in this policy;
and






	•	 	schedule this policy as underlying insurance.





Your duties after a loss



In case of an accident or occurrence, the covered person shall perform the following duties that
apply:



Notification. You must notify us or your agent or broker as soon as possible.



Assistance. You must provide us with all available information. This includes any suit papers or
other documents which help us in the event that we defend you.



Cooperation. You must cooperate with us fully in any legal defense. This may include any
association by us with the covered person in defense of a claim reasonably likely to involve us.




			
	 	 	 
	Form 10-02-0691 (Rev. 8-07)
	 	Page 13 of 15










 









 








			
	 	 	 
	
	 	GROUP PERSONAL EXCESS LIABILITY POLICY






Liability Conditions

(continued)



Examination. A person making a claim under this policy must submit as often as we reasonably
require:





	•	 	to physical exams by physicians we select, which we will pay for; and
	 
	•	 	to examination under oath and subscribe the same; and 




authorize us to obtain:





	•	 	medical reports; and
	 
	•	 	other pertinent records.




Appeals



If a covered person, or any primary insurer, does not appeal a judgment for covered damages,
we may choose to do so. We will then become responsible for all expenses, taxable costs, and
interest arising out of the appeal. However, the amount of coverage for damages will not be
increased.




Special Conditions



In the event of conflict with any other conditions of your policy, these conditions
supersede.



Legal action against us



You agree not to bring action against us unless you have first complied with all conditions of
this policy.



You also agree not to bring any action against us until the amount of damages you are legally
obligated to pay has been finally determined after an actual trial or appeal, if any, or by a
written agreement between you, us and the claimant. No person or organization has any right under
this policy to bring us into any action to determine the liability of a covered person.



Notice of cancellation and coverage termination conditions



The Sponsoring Organization may cancel this policy by returning it to us or notifying us in
writing at any time subject to the following:





	•	 	the Sponsoring Organization must notify us in advance of the requested cancellation date; and
	 
	•	 	the Sponsoring Organization must provide proof of notification to each member of the Defined
Group covered under this policy.




We may cancel this policy or any part of it subject to the following conditions. Our right to
cancel applies to each coverage or limit in this policy. In the event we cancel this policy, we are
under no obligation to provide you with an opportunity to purchase equivalent coverage.





	•	 	Within 60 days. When this policy or any part of it has been in effect for less than 60 days, we
may cancel with 30
days notice for any reason.
	 
	•	 	Non-payment of premium. We may cancel this policy or any part of it with 10 days notice if
the Sponsoring Organization or you fail to pay the premium by the due date, regardless of whether
the premium is payable to us, to our agent, or under any financial credit.
	 
	•	 	Misrepresentation. We may cancel this policy or any part of it with 30 days notice if the
coverage was obtained
through misrepresentation, fraudulent statements, or omissions or concealment of a fact that is
relevant to the acceptance of the risk or to the hazard we assumed.
	 
	•	 	Increase in hazard. We may cancel this policy or any part of it with 30 days notice if there
has been a substantial change in the risk which increases the chance of loss after insurance
coverage has been issued or renewed, including but not limited to an increase in exposure due to
rules, legislation, or court decision.
	 
	•	 	Procedure. To cancel this policy or any part of it, we must notify you in writing. This notice
will be mailed to the
Sponsoring Organization at the mailing address shown in the Coverage Summary and we will obtain a
certificate of
mailing. This notice will include the date the cancellation is to take effect.





			
	 	 	 
	Form 10-02-0691 (Rev. 8-07)
	 	Page 14 of 15











 









 








Special Conditions

(continued)



Termination. Should an individual for any reason no longer qualify as a member of the Defined
Group, coverage will cease sixty (60) days from the date that individual no longer qualifies as a
member of the Defined Group, or the policy expiration or cancellation date, whichever comes first.



Refund. In the event of cancellation by the Sponsoring Organization or us, we will refund any
unearned premium on the effective date of cancellation, or as soon as possible afterwards to the
Sponsoring Organization. The unearned premium will be computed short rate for the unexpired term of
the policy.




			
	 	 	 
	Form 10-02-0691 (Rev. 8-07)
	 	Page 15 of 15










 









 








			
	 	 	 
	
	 	GROUP EXCESS LIABILITY POLICY





ENDORSEMENT




	 	 	 

	Policy Period

	 	JANUARY 01, 2010     to     JANUARY 01, 2011
	 
	 	 
	Effective Date

	 	JANUARY 01, 2010
	 
	 	 
	Policy Number

	 	(11) 7993-19-97
	 
	 	 
	Insured

	 	OFFICERS OF BOOZ ALLEN HAMILTON INC.
	 
	 	 
	Name of Company

	 	FEDERAL INSURANCE COMPANY
	 
	 	 
	Date Issued

	 	DECEMBER 17, 2009





ANNUAL PREMIUM ADJUSTMENT CLAUSE



This policy is written with a deposit premium to be adjusted on either each policy anniversary or
at policy expiration. The premium will be adjusted on the basis of the difference between:





	*	 	the total number of participants at inception; and
	 
	*	 	the actual number of participants at each policy anniversary.




This difference will be multiplied by fifty percent (50%) of the annual rate per participant,
resulting in either an additional or return premium.



ALL OTHER TERMS AND CONDITIONS REMAIN UNCHANGED.




	 	 	 

	Authorized Representative

	 	






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