CERTIFIED POLICY

This certification is affixed to a policy which is a true and accurate copy of

the document in the company’s business records as of the date shown 

below.

No additional insurance is afforded by this copy.

____________________________________________________ 

Name of Insuring Company(ies)

 

__________________ ______________________ __________

Policy Number(s) Policy Period(s) Date

 

 

Kemeth Kupec.^eooricl Vice President

Bl Document Management

Travelers Doc Mgmt 1 of 274
COUNTERSIGNED BY:

Authorized Representative

DATE:

 TRAVELERS CORP. TEL: 1-800-328-2189

 REAL ESTATE OWNERS

 COMMON POLICY DECLARATIONS

 ISSUE DATE: 01/11/20

 POLICY NUMBER: Y-630-0K557677-COF-20

 INSURING COMPANY:

 THE CHARTER OAK FIRE INSURANCE COMPANY

 1. NAMED INSURED AND MAILING ADDRESS:

 SHODEEN GROUP, L.L.C. (AS PER IL T8 00)

 17 NORTH FIRST STREET

 GENEVA, IL 60134

 2. POLICY PERIOD: From 01/01/20 to 01/01/21 12:01 A.M. Standard Time at

 your mailing address.

 3. LOCATIONS

 Premises Bldg.

 Loc. No. No. Occupancy Address

 SEE IL T0 03

 4. COVERAGE PARTS FORMING PART OF THIS POLICY AND INSURING COMPANIES:

 DELUXE PROPERTY COVERAGE PART DECLARATIONS DX T0 00 11 12 COF

 COMMERCIAL GENERAL LIABILITY COV PART DECLARATIONS CG T0 01 11 03 COF

 LIQUOR LIABILITY COV PART DECLARATIONS CG T0 04 03 94 COF

 EMPLOYEE BENEFITS LIABILITY COV PART DECLARATIONS CG T0 09 09 93 COF

 5. NUMBERS OF FORMS AND ENDORSEMENTS

 FORMING A PART OF THIS POLICY: SEE IL T8 01 10 93

 6. SUPPLEMENTAL POLICIES: Each of the following is a separate policy

 containing its complete provisions:

 Policy Policy No. Insuring Company

 DIRECT BILL

 7. PREMIUM SUMMARY:

 Provisional Premium $ 174,332

 Due at Inception $

 Due at Each $

 NAME AND ADDRESS OF AGENT OR BROKER:

 A J GALLAGHER RMS (NI026)

 2850 GOLF RD

 ROLLING MEADOWS, IL 60008

 IL T0 02 11 89(REV. 09-07) PAGE 1 OF 1

 OFFICE: NAPERVILLE IL

Travelers Doc Mgmt 2 of 274
COMMERCIAL INSURANCE

A Custom Insurance Policy Prepared for:

Presented by: 

Report Claims Immediately by Calling*

1-800-238-6225

Speak directly with a claim professional

24 hours a day, 365 days a year

*Unless Your Policy Requires Written Notice or Reporting

SHODEEN GROUP, L.L.C.

17 NORTH FIRST STREET

GENEVA IL 60134

A J GALLAGHER RMS

Travelers Doc Mgmt 3 of 274
POLICY NUMBER: ISSUE DATE:

Dear Valued Policyholder:

We are excited to inform you about changes to the structure of your commercial general liability (CGL)

insurance. We are implementing a new proprietary CGL Coverage Form that will update and further simplify our

approach to that coverage. Our new CGL coverage form is more closely aligned with ISO's current CGL

coverage form, and it includes numerous provisions contained in our proprietary mandatory

TM

endorsements and several coverage enhancements that have been provided in our commonly used XTEND

endorsements. In addition, we have updated many of our CGL endorsements for readability and

consistency across our portfolio of policy forms. To complement these CGL policy form changes, we are also transitioning our Liquor Liability (LL) coverage to

ISO's current LL coverage form, modified by a proprietary Liquor Liability Amendatory Endorsement. This

transition will improve consistency and coordination of CGL and LL coverages. Your new Travelers CGL policy will contain coverage terms and conditions substantially similar to those in your

expiring Travelers CGL policy. Also, in order to make this transition to our new proprietary policy forms as easy

as possible for you, we will adjust any claims for CGL coverage under your new policy based upon the terms

and conditions of either your expiring policy or your new policy, whichever are broader. Likewise, if your

expiring policy includes LL coverage and you are renewing that coverage with us, we will adjust any claims for

LL coverage under your new policy based upon the terms and conditions of either your expiring policy or your

new policy, whichever are broader. However, this approach to adjustment of claims for CGL and LL coverage

is subject to the following exceptions:

• Any differences in the insured locations or insurance schedules, or the identity of named insureds or

additional insureds.

• Any in coverage that have been requested by you or your agent or broker or to which you or your

agent or broker have agreed during renewal negotiations, or any exposures you have elected to insure

elsewhere.

• in the amount of the limits of insurance shown in any Declarations or endorsement for your

new policy from the amount shown for substantially similar coverage in any Declarations or endorsement for

• Any increase in the amount of any deductible, self-insured retention, retrospective loss limitation, or

coinsurance obligation shown in any Declarations or endorsement for your new policy from the amount

shown for substantially similar coverage in any Declarations or endorsement for your expiring policy, or any

change from a loss-sensitive to guaranteed-cost rating plan or vice versa.

• Any other exceptions shown below.

PN U3 20 04 19 Page 1 of 2

improved 

previously 

reductions

Any reduction 

your expiring policy.

© 2019 The Travelers Indemnity Company. All rights reserved.

Please review your expiring and new Travelers policies carefully, retain your expiring policy, and contact your 

agent or broker if you have any questions about this letter. We appreciate your business and thank you for 

choosing to insure with us. 

We will apply this approach to claims adjusted under your first new Travelers policy. Any claim adjusted under 

a subsequent Travelers policy will be adjusted based only upon the terms and conditions of that policy. 

Y-630-0K557677-COF-20 01-11-20

ADDITIONAL EXCEPTIONS:

"TO THE EXTENT THAT THESE EXCEPTIONS DIFFER FROM THOSE PREVIOUSLY

PROVIDED IN ANY NOTICES REGARDING THIS POLICY, THE EXCEPTIONS LISTED

ABOVE WILL CONTROL."

Travelers Doc Mgmt 4 of 274
Page 2 of 2 © 2019 The Travelers Indemnity Company. All rights reserved. PN U3 20 04 19

Travelers Doc Mgmt 5 of 274
POLICY NUMBER:

EFFECTIVE DATE:

ISSUE DATE:

IL T8 01 10 93

Y-630-0K557677-COF-20

01-01-20

01-11-20

 LISTING OF FORMS, ENDORSEMENTS AND SCHEDULE NUMBERS

 THIS LISTING SHOWS THE NUMBER OF FORMS, SCHEDULES AND ENDORSEMENTS

 BY LINE OF BUSINESS.

 IL T0 02 11 89 COMMON POLICY DECLARATIONS

 IL T8 01 10 93 FORMS, ENDORSEMENTS AND SCHEDULE NUMBERS

 PN U3 20 04 19 LIBERALIZATION LETTER-GL PRODUCT MODERN

 IL T3 18 05 11 COMMON POLICY CONDITIONS-DELUXE

 IL T0 03 04 96 LOCATION SCHEDULE

 IL T8 00 GENERAL PURPOSE ENDORSEMENT

 DELUXE PROPERTY

 DX T0 00 11 12 DELUXE PROP COV PART DECLARATIONS

 DX 00 01 07 94 MORTGAGEE HOLDER SCHEDULE

 DX 00 04 11 12 TABLE OF CONTENTS - DELUXE PROP COV PART

 DX T1 00 11 12 DELUXE PROPERTY COVERAGE FORM

 DX T1 01 11 12 DELUXE BI (AND EE) COVERAGE FORM

 DX T4 64 11 12 ADDITIONAL INSURED-BUILDING OWNER

 DX T4 76 11 12 CONDO COMMERCIAL UNIT-OWNERS OPT COV

 DX T4 77 11 12 CONTINGENT BUILDING COVERAGE

 DX T3 01 11 12 CAUSES OF LOSS-EARTHQUAKE

 DX T3 02 11 12 CAUSES OF LOSS - BROAD FORM FLOOD

 DX T3 19 11 12 CAUSES OF LOSS-EQUIPMENT BREAKDOWN

 DX T3 39 11 12 DELUXE ORDINANCE OR LAW COVERAGE

 DX T3 79 11 12 LOSS PAYABLE PROVISIONS

 DX T3 85 11 12 UTILITY SERVICES-DIRECT DAMAGE

 DX T3 86 11 12 UTILITY SERVICES-TIME ELEMENT

 DX T4 02 01 15 FEDERAL TERRORISM RISK INSURANCE ACT DIS

 DX T3 98 04 02 ELECTRONIC VANDALISM LIMITATION ENDT

 COMMERCIAL GENERAL LIABILITY

 CG T0 01 11 03 COML GENERAL LIABILITY COV PART DEC

 CG T0 07 09 87 DECLARATIONS PREMIUM SCHEDULE

 CG T0 08 11 03 KEY TO DECLARATIONS PREMIUM SCHEDULE

 CG T0 34 02 19 TABLE OF CONTENTS - COM GEN LIAB COV

 CG T1 00 02 19 COMMERCIAL GENERAL LIABILITY COV FORM

 CG D2 36 11 03 EXCLUSION-REAL ESTATE DEVELOPMENT ACT

 CG D6 71 01 13 LIMIT OF COV FOR DESIG NI TO DESIG PREM

 CG 20 08 04 13 ADDITIONAL INSURED - USERS OF GOLFMOBILE

 CG 24 07 01 96 PROD/COMPL OPERATIONS HAZARD REDEFINED

 CG D2 46 04 19 BLANKET AI-W/COMP OPS IF REQ BY CONTRACT

 CG D4 67 02 19 XTEND ENDORSEMENT FOR SERVICE INDUSTRIES

 CG D2 43 01 02 FUNGI OR BACTERIA EXCLUSION

 CG D3 02 11 03 EXCL-SPEC THERAPEUTIC/COSMETIC SERVICES

 CG D4 21 07 08 AMEND CONTRAC LIAB EXCL-EXC TO NAMED INS

 CG D6 18 10 11 EXCL-VIOLATION OF CONSUMER FIN PROT LAWS

 PAGE: 1 OF 2

Travelers Doc Mgmt 6 of 274
POLICY NUMBER:

EFFECTIVE DATE:

ISSUE DATE:

IL T8 01 10 93

Y-630-0K557677-COF-20

01-01-20

01-11-20

 COMMERCIAL GENERAL LIABILITY (CONTINUED)

 CG D1 42 02 19 EXCLUSION-DISCRIMINATION

 CG D2 04 12 17 EXCL-EXTERIOR INSULATION & FINISH SYSTEM

 CG D2 26 06 15 EXCLUSION - TOBACCO OR NICOTINE

 CG D2 40 06 01 EXCLUSION - SILICA

 CG D3 44 02 05 PROF SERV EXCLUSION-THERAP/COSM SERVICES

 EMPLOYEE BENEFITS LIABILITY

 CG T0 09 09 93 EMPLOYEE BENEFITS LIAB COV PART DEC

 CG T0 43 01 16 EMPLOYEE BENEFITS LIAB TABLE OF CONTENTS

 CG T1 01 01 16 EMPLOYEE BENEFITS LIABILITY COV FORM

 CG F8 91 01 16 ILLINOIS CHANGES - EBL

 LIQUOR LIABILITY

 CG T0 04 03 94 LIQUOR LIABILITY COVERAGE PART DEC

 CG T0 38 02 19 TABLE OF CONTENTS - LIQUOR LIABILITY

 CG 00 33 04 13 LIQUOR LIABILITY COVERAGE FORM

 CG D8 24 02 19 LIQUOR LIABILTIY AMENDATORY ENDORSEMENT

 CG 31 22 09 02 ILLINOIS CHANGES - LIQUOR LIABILITY

 CG T0 11 07 86 LIQUOR DEC PREMIUM SCHEDULE

 MULTIPLE SUBLINE ENDORSEMENTS

 C = COMMERCIAL GENERAL LIABILITY

 E = EMPLOYEE BENEFITS LIABILITY

 L = LIQUOR LIABILITY

 CG 02 00 01 18 IL CHANGES-CANCELLATION AND NONRENEWAL (C, E, L)

 INTERLINE ENDORSEMENTS

 IL T3 68 01 15 FEDERAL TERRORISM RISK INS ACT DISCLOSE

 IL T4 12 03 15 AMNDT COMMON POLICY COND-PROHIBITED COVG

 IL T4 14 01 15 CAP ON LOSSES CERTIFIED ACT OF TERRORISM

 IL 00 21 09 08 NUCLEAR ENERGY LIAB EXCL END-BROAD FORM

 IL 01 47 09 11 ILLINOIS CHANGES - CIVIL UNION

 IL 01 62 10 13 ILLINOIS CHANGES - DEFENSE COSTS

 IL F0 15 01 18 IL CHANGES - CANCELLATION AND NONRENEWAL

 IL T9 14 02 17 ILLINOIS CHANGES

 PAGE: 2 OF 2

Travelers Doc Mgmt 7 of 274
COMMON POLICY CONDITIONS – DELUXE

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

A. CANCELLATION C. EXAMINATION OF YOUR BOOKS AND RECORDS 1. The first Named Insured shown in the Declarations may cancel this policy by mailing or We may examine and audit your books and redelivering to us advance written notice of cords as they relate to this policy at any time durcancellation. ing the policy period and up to three years afterward. 2. We may cancel this policy by mailing or delivering to the first Named Insured written notice D. INSPECTIONS AND SURVEYS

of cancellation at least: 1. We have the right but not obligated to:

a. 10 days before the effective date of can- a. Make inspections and surveys at any

cellation if we cancel for nonpayment of time; premium; or b. Give you reports on the conditions we b. 60 days before the effective date of can- find; and

cellation if we cancel for any other reac. Recommend changes. son.

2. We are not obligated to make any inspec- 3. We will mail or deliver our notice to the first

tions, surveys, reports or recommendations Named Insured's last mailing address known

and any such actions we do undertake re- to us.

lated only to insurability and the premiums to 4. Notice of cancellation will state the effective be charged. We do not make safety inspec- date of cancellation. If the policy is cancelled, tions. We do not undertake to perform the

that date will become the end of the policy pe- duty of any person or organization to provide

riod. If a Coverage Part is cancelled, that date for the health or safety of workers or the pub- will become the end of the policy period as lic. And we do not warrant that conditions:

respects that Coverage Part only. a. Are safe or healthful; or Cancellation will not affect coverage on any b. Comply with laws, regulations, codes or shipment in transit on the date of the cancelstandards. lation. Coverage will continue in full force until

such property is delivered and accepted. 3. Paragraphs 1. and 2. of this condition apply

not only to us, but also to any rating, advisory, 5. If this policy or any Coverage Part is canrate service or similar organization which celled, we will send the first Named Insured

makes insurance inspections, surveys, re- any premium refund due. If we cancel, the reports or recommendations. fund will be pro rata. If the first Named Insured cancels, the refund may be less than 4. Paragraph 2. of this condition does not apply

pro rata. The cancellation will be effective to any inspections, surveys, reports or receven if we have not made or offered a refund. ommendations we may make relative to certification, under state or municipal statutes, or- 6. If notice is mailed, proof of mailing will be sufdinances or regulations, of boilers, pressure ficient proof of notice. vessels or elevators. B. CHANGES

E. PREMIUMS

This policy contains all the agreements between

1. The first Named Insured shown in the Decla- you and us concerning the insurance afforded.

rations: The first Named Insured shown in the Declarations is authorized to make changes in the terms a. Is responsible for the payment of all preof this policy with our consent. This policy's terms miums; and

can be amended or waived only by endorsement b. Will be the payee for any return premiums

issued by us and made a part of this policy. we pay.

2. We compute all premiums for this policy in

accordance with our rules, rates, rating plans,

IL T3 18 05 11(Rev. 09-18) Includes copyrighted material of Insurance Services Office, Inc. with its permission. Page 1 of 2

Travelers Doc Mgmt 8 of 274
premiums and minimum premiums. The pre- 1. The Commercial Property Coverage Part;

mium shown in the Declarations was com- 2. The Commercial Inland Marine Coverage

puted based on rates and rules in effect at the Part;

time the policy was issued. On each renewal

3. Commercial Property forms including, but not continuation or anniversary of the effective

limited to, the following: date of this policy, we will compute the premium in accordance with our rates and rules a. Building and Personal Property Coverage

then in effect. Form;

F. TRANSFER OF YOUR RIGHTS AND DUTIES b. Business Income Coverage Form;

UNDER THIS POLICY c. Commercial Property Conditions;

Your rights and duties under this policy may not d. Causes of Loss – Special Form; be transferred without our written consent except

e. Causes of Loss – Earthquake Form. in the case of death of an individual named insured. 4. Commercial Inland Marine Forms including

but not limited to the Transportation Coverage If you die, your rights and duties will be transferred to your legal representative but only while – Special Form

acting within the scope of duties as your legal Endorsements referencing the Commercial

representative. Until your legal representative is Property Coverage Part, Commercial Inland

appointed, anyone having proper temporary cus- Marine Coverage Part, Commercial Property

tody of your property will have your rights and du- Forms, or Commercial Inland Marine Forms

ties but only with respect to that property. apply to the Deluxe Property Coverage Forms

G. WHEN WE DO NOT RENEW in the same manner as they apply to the

Forms they reference. If we decide not to renew this policy we will mail

I. INSURANCE UNDER TWO OR MORE COVER- or deliver to the first Named Insured shown in the

Declarations written notice of the nonrenewal not AGE PARTS

less than 60 days before the expiration date. If two or more of this policy's Coverage Parts apH. DELUXE PROPERTY COVERAGE PART- ply to the same loss or damage, we will not pay

REFERENCE TO FORMS AND ENDORSE- more than the actual amount of the loss or damMENTS age.

In some instances, the Deluxe Property Declarations may list endorsements included in the Deluxe Property Coverage Part that reference:

This policy consists of the Common Policy Declarations and the Coverage Parts and endorsements listed in that

declarations form.

In return for payment of the premium, we agree with the Named Insured to provide the insurance afforded by a

Coverage Part forming part of this policy. That insurance will be provided by the company indicated as insuring

company in the Common Policy Declarations by the abbreviation of its name opposite that Coverage Part.

One of the companies listed below (each a stock company) has executed this policy, and this policy is countersigned by the officers listed below:

The Travelers Indemnity Company (IND)

The Phoenix Insurance Company (PHX)

The Charter Oak Fire Insurance Company (COF)

Travelers Property Casualty Company of America (TIL)

The Travelers Indemnity Company of Connecticut (TCT)

The Travelers Indemnity Company of America (TIA)

Travelers Casualty Insurance Company of America (ACJ)

Secretary President

Page 2 of 2 Includes copyrighted material of Insurance Services Office, Inc. with its permission. IL T3 18 05 11 (Rev. 09-18)

Travelers Doc Mgmt 9 of 274
LOCATION SCHEDULE POLICY NUMBER:

This Schedule of Locations and Buildings applies to the Common Policy Declarations for the period

to . Loc. Bldg.

No. No. Address Occupancy

IL T0 03 04 96 Page

Y-630-0K557677-COF-20

01-01-20 01-01-21

 1 1 407 & 477 S. THIRD ST 416 S. SECOND RETAIL STORE

 ST & 447 S. THIRD ST

 GENEVA, IL 60134

 2 2 255 38TH AVENUE RETAIL/OFFICE

 ST CHARLES, IL 60174

 3 3 7 W. STATE ST RETAIL/OFFICE

 GENEVA, IL 60134

 4 4 77 N FIRST ST OFFICE

 GENEVA, IL 60134

 5 5 2071-2081 LINCOLN HIGHWAY RETAIL/OFFICE

 ST CHARLES, IL 60174

 6 6 902 S. RANDALL ROAD RETAIL

 ST CHARLES, IL 60174

 7 7 870 S. RANDALL ROAD RETAIL

 ST CHARLES, IL 60174

 8 8 401-417 WILLIAMSBURG DRIVE RETAIL/OFFICE

 GENEVA, IL 60134

 9 9 10 W STATE ST RETAIL/OFFICE

 GENEVA, IL 60134

 10 10 1797 W STATE STREET RETAIL/OFFICE

 GENEVA, IL 60134

 11 11 1803 W STATE STREET RETAIL/OFFICE

 GENEVA, IL 60134

 12 12 1795 W STATE STREET RETAIL/OFFICE

 GENEVA, IL 60134

 13 13 2039-2067 LINCOLN HIGHWAY SHOPPING CENTER

 GENEVA, IL 60134

 1

Travelers Doc Mgmt 10 of 274
LOCATION SCHEDULE POLICY NUMBER:

This Schedule of Locations and Buildings applies to the Common Policy Declarations for the period

to . Loc. Bldg.

No. No. Address Occupancy

IL T0 03 04 96 Page

Y-630-0K557677-COF-20

01-01-20 01-01-21

 14 14 1400-1700 LINCOLN HIGHWAY RETAIL/OFFICE

 ST CHARLES, IL 60174

 15 15 1 W. ILLINOIS STREET RETAIL/OFFICE

 ST CHARLES, IL 60174

 16 16 1 W STATE ST, 25 N. RIVER LANE, RETAIL/OFFICE

 65 N. RIVER LANE

 GENEVA, IL 60134

 17 17 2075 PRARIE STREET RETAIL/OFFICE

 ST CHARLES, IL 60174

 18 18 201 S. THIRD ST, 207 S. THIRD ST RETAIL / OFFICE

 A/K/S 220-222 CAMPBELL ST

 GENEVA, IL 60134

 19 19 300-328 CRESCENT PLACE RETAIL/OFFICE

 GENEVA, IL 60134

 20 20 17 W STATE STREET RESTAURANT

 GENEVA, IL 60134

 21 21 2073 PRARIE ST FOOD STORE

 ST CHARLES, IL 60174

 22 22 1144-1188 E STATE ST RETAIL

 GENEVA, IL 60134

 23 23 507 S THIRD ST & CONNECTED RETAIL

 PARKING LOT

 GENEVA, IL 60134

 24 24 577 S. THIRD ST RETAIL

 GENEVA, IL 60134

 25 25 180 W LINCOLN HWY SANDWICH SHOP

 DEKALB, IL 60115

 26 26 1850 LINCOLN HWY RESTAURANT

 ST CHARLES, IL 60174

 2

Travelers Doc Mgmt 11 of 274
LOCATION SCHEDULE POLICY NUMBER:

This Schedule of Locations and Buildings applies to the Common Policy Declarations for the period

to . Loc. Bldg.

No. No. Address Occupancy

IL T0 03 04 96 Page

Y-630-0K557677-COF-20

01-01-20 01-01-21

 27 27 162 MCGIRR ROAD RENTAL GARAGE

 DEKALB, IL 60115

 28 28 35 N RIVER LANE BANQUET HALL

 GENEVA, IL 60134

 29 29 15 S RIVER LANE RESTAURANT

 GENEVA, IL 60134

 30 30 2 W STATE ST BANQUET HALL

 GENEVA, IL 60134

 31 31 39W525 HERRINGTON DR COUNTRY CLUB

 GENEVA, IL 60134

 32 32 2025 LINCOLN HWY AUTO PARTS STORE

 ST CHARLES, IL 60174

 33 33 1925 LINCOLN HWY BANK

 ST CHARLES, IL 60174

 34 34 EASTBANK PARKING LOT Q EASTBANK - GL ONLY

 AURORA, IL 60506

 35 35 730 ELIZABETH STREET DWELLING

 ELBURN, IL 60119

 3 (END)

Travelers Doc Mgmt 12 of 274
POLICY NUMBER: GENERAL PURPOSE ENDORSEMENT

Page

Y-630-0K557677-COF-20

ITEM 1 NAMDED INSURED TO READ:

SHODEEN GROUP, L.L.C.

DODSON HOUSE, L.L.C.

DODSON PROPERTY COMPANY, L.L.C.

DODSON PLACE CENTER CONDOMINIUM

DODSON INVESTMENT COMPANY, L.L.C.

ST. CHARLES ENTERPRISE CENTER, L.L.C.

STATE BANK OF GENEVA U/T/A DATED 8-26-99 KNOWN A TRUST #857 AND ALL

BENEFICIARIES THEREUNDER

RANDALL ROAD PROPERTY COMPANY, L.L.C.

WESSEL COURT EAST, L.L..

ONE COMMERCE CENTER PROPERTY COMPANY, L.L.C.

RIVER CENTER PROPERTY COMPANY, L.L.C.

GENEVA STATE STREET PROPERTY COMPANY, L.L.C.

TRI-CITY CENTER ASSOCIATES, LP

VANDERBILT PROFESSIONAL CENTER L.L.C.

FOX ISLAND LIMITED PARTNERSHIP

PRAIRIE STREET PROPERTY COMPANY, L.L.C.

STATE BANK OF GENEVA U/T/A DATED JUNE 9 2003 KNOWN AS TRUST #915 AND ALL

BENEFICIARIES THEREUNDER

HERRINGTON STATION,L.L.C.

17 W. STATE STREET, L.L.C.

SJODIN PROPERTY COMPANY, L.L.C.

DEKALB DEVELOPMENT COMPANY, L.L.C.

STATE BANK OF GENEVA U/T/A DATED 5/22/06 KNOWN AS TRUST 931 AND ALL

BENEFICIARIES THEREUNDER

SHODEEN INVESTMENT PROPERTY COMPANY, L.L.C.

HERRINGTON INN CONDOMINIUM ASSOCIATION

SHODEEN HOSPITALITY INC.

HERRINGTON INN INC.

RIVERWALK SEAFOOD GRILL INC.

EXCEL, L.L.C.

WHITEFISH DEVELOPMENT PROPERTY COMPANY, L.L.C.

TSFPC I, L.L.C.

RIVERSIDE BANQUETS

THE HERRINGTON INC

THE HERRINGTON INC. DBA THE SPA AT THE HERRINGTON

WILLIAMSBURG PROFESSIONAL CENTER CONDOMINIUM ASSOCIATION.

SHODEEN HOMES, LLC & SHODEEN CONSTRUCTION COMPANY, LLC

SHODEEN FAMILY FOUNDATION

MILL CREEK LAND COMPANY

KENT W SHODEEN TRUST #1 AND JOAN W SHODEEN TRUST #1

COVINGTON COURT APARTMENTS, LLC

IL T8 00 1

Travelers Doc Mgmt 13 of 274
DELUXE PROPERTY

Travelers Doc Mgmt 14 of 274
DELUXE PROPERTY

Travelers Doc Mgmt 15 of 274
DELUXE PROPERTY COVERAGE POLICY NUMBER:

PART DECLARATIONS ISSUE DATE:

DX T0 00 11 12

PRODUCER: OFFICE:

Y-630-0K557677-COF-20

01-11-20

 INSURING COMPANY:

 THE CHARTER OAK FIRE INSURANCE COMPANY

 EFFECTIVE DATE: Same as policy unless otherwise specified:

 DELUXE PROPERTY COVERAGE FORM

 COVERAGES AND LIMITS OF INSURANCE - DESCRIBED PREMISES

 Insurance applies on a BLANKET basis only to a coverage or type of property for

 which a Limit of Insurance is shown below, and then only at the premises

 locations for which a value for such coverage or property is shown on the

 Statement of Values dated 09/25/19, or subsequently reported to and insured by

 us. For Insurance that applies to a specific premises location see Deluxe

 Property Coverage Part Schedule - Specific Limits.

 Blanket Description of Coverage or Property Limits of

 Insurance

 Building(s) $ 108,701,943

 Your Business Personal Property $ 4,624,272

 COINSURANCE PROVISION:

 Coinsurance does not apply to the Blanket coverages

 as shown above.

 VALUATION PROVISION:

 Replacement cost (subject to limitations) applies to most

 types of covered property (See Valuation Loss Condition in DX T1 00).

 ADDITIONAL COVERED PROPERTY Limits of

 Insurance

 Personal Property at Undescribed Premises:

 At any "exhibition" premises Not Covered

 At any installation premises or temporary storage premises Not Covered

 At any other not owned, leased or regularly operated

 premises $ 25,000

 Personal Property in Transit: $ 25,000

A J GALLAGHER RMS NI026 NAPERVILLE IL 888

Travelers Doc Mgmt 16 of 274
DELUXE PROPERTY COVERAGE POLICY NUMBER:

PART DECLARATIONS ISSUE DATE:

DX T0 00 11 12

PRODUCER: OFFICE:

Y-630-0K557677-COF-20

01-11-20

 DELUXE PROPERTY COVERAGE FORM - ADDITIONAL COVERAGES & COVERAGE EXTENSIONS

 The Limits of Insurance shown in the left column are included in the coverage

 form and apply unless a Revised Limit of Insurance or Not Covered is shown in

 the Revised Limits of Insurance column on the right. The Limits of Insurance

 apply in any one occurrence unless otherwise stated.

 Limits of Revised Limits

 Insurance of Insurance

 Accounts Receivable

 At all described premises $ 50,000

 In transit or at all undescribed premises $ 25,000

 Appurtenant Buildings and Structures $ 100,000

 Claim Data Expense $ 25,000

 Covered Leasehold Interest - Undamaged

 Improvements & Betterments

 Lesser of Your Business Personal Property

 limit or: $ 100,000

 Debris Removal (additional amount) $ 250,000

 Deferred Payments $ 25,000

 Duplicate Electronic Data Processing Data and

 Media $ 50,000

 Electronic Data Processing Data and Media

 At all described premises Included

 Employee Tools

 In any one occurrence $ 25,000

 Any one item $ 2,500

 Expediting Expenses $ 25,000

 Extra Expense $ 25,000

 Fine Arts

 At all described premises $ 50,000

 In transit $ 25,000

 Fire Department Service Charge Included*

 Fire Protective Equipment Discharge Included*

 Green Building Alternatives - Increased Cost

 Percentage 1 %

 Maximum amount - each building $ 100,000

 Green Building Reengineering and

 Recertification Expense $ 25,000

 Limited Coverage for Fungus, Wet Rot or

 Dry Rot - Annual Aggregate $ 25,000

 Loss of Master Key $ 25,000

 Newly Constructed or Acquired Property:

 Building - each $ 2,000,000

 Personal Property at each premises $ 1,000,000

 Non-Owned Detached Trailers $ 25,000

 Ordinance or Law Coverage $ 250,000

A J GALLAGHER RMS NI026 NAPERVILLE IL 888

Travelers Doc Mgmt 17 of 274
DELUXE PROPERTY COVERAGE POLICY NUMBER:

PART DECLARATIONS ISSUE DATE:

DX T0 00 11 12

PRODUCER: OFFICE:

Y-630-0K557677-COF-20

01-11-20

 DELUXE PROPERTY COVERAGE FORM - ADDITIONAL COVERAGES & COVERAGE EXTENSIONS

 (continued)

 Limits of Revised Limits

 Insurance of Insurance

 Outdoor Property $ 25,000

 Any one tree, shrub or plant $ 2,500

 Outside Signs

 At all described premises $ 100,000

 At all undescribed premises $ 5,000

 Personal Effects $ 25,000

 Personal Property At Premises Outside of the

 Coverage Territory $ 50,000

 Personal Property In Transit Outside of the

 Coverage Territory $ 25,000

 Pollutant Cleanup and Removal - Annual

 Aggregate $ 100,000

 Preservation of Property

 Expenses to move and temporarily store

 property $ 250,000

 Direct loss or damage to moved property Included*

 Reward Coverage

 25% of covered loss up to maximum of: $ 25,000

 Stored Water $ 25,000

 Theft Damage to Rented Property Included*

 Undamaged Parts of Stock In Process $ 50,000

 Valuable Papers and Records - Cost of Research

 At all described premises $ 50,000

 In transit or at all undescribed premises $ 25,000

 Water or Other Substance Loss - Tear Out and

 Replacement Expense Included*

 *Included means included in applicable Covered Property Limit of Insurance

 DELUXE BUSINESS INCOME(AND EXTRA EXPENSE) COVERAGE FORM - DESCRIBED PREMISES

 Premises Building Limits of

 Location No. No. Insurance

 ALL ALL $ 10,449,176

 Rental Value: Included

 Ordinary Payroll: Included

A J GALLAGHER RMS NI026 NAPERVILLE IL 888

Travelers Doc Mgmt 18 of 274
DELUXE PROPERTY COVERAGE POLICY NUMBER:

PART DECLARATIONS ISSUE DATE:

DX T0 00 11 12

PRODUCER: OFFICE:

Y-630-0K557677-COF-20

01-11-20

 DELUXE BUSINESS INCOME - ADDITIONAL COVERAGES AND COVERAGE EXTENSIONS

 The Limits of Insurance, Coverage Period and Coverage Radius shown in the left

 column are included in the coverage form and apply unless a revised Limit of

 Insurance, Coverage Period, Coverage Radius or Not Covered is shown under the

 column on the right. The Limits of Insurance apply in any one occurrence unless

 otherwise stated.

 Limits of Revised Limits of

 Insurance,Coverage Insurance,Coverage

 Period or Coverage Period or Coverage

 Radius Radius

 Business Income From Dependent Property

 At Premises Within the Coverage

 Territory $ 100,000

 At Premises Outside of the Coverage

 Territory $ 100,000

 Civil Authority

 Coverage Period 30 days

 Coverage Radius 100 miles

 Claim Data Expense $ 25,000

 Contract Penalties $ 25,000

 Extended Business Income

 Coverage Period 180 days

 Fungus, Wet Rot or Dry Rot - Amended

 Period of Restoration

 Coverage Period 30 days

 Green Building Alternatives - Increased

 Period of Restoration

 Coverage Period 30 days

 Ingress or Egress $ 25,000

 Coverage Radius 1 mile

 Newly Acquired Locations $ 500,000

 Ordinance or Law - Increased

 Period of Restoration $ 250,000

 Pollutant Cleanup and Removal - Annual

 Aggregate $ 25,000

 Transit Business Income $ 25,000

 Undescribed Premises $ 25,000

A J GALLAGHER RMS NI026 NAPERVILLE IL 888

Travelers Doc Mgmt 19 of 274
DELUXE PROPERTY COVERAGE POLICY NUMBER:

PART DECLARATIONS ISSUE DATE:

DX T0 00 11 12

PRODUCER: OFFICE:

Y-630-0K557677-COF-20

01-11-20

 CAUSES OF LOSS - EARTHQUAKE - aggregate in any one policy year, for all losses

 covered under the Causes of Loss - Earthquake endorsement, commencing with the

 inception date of this policy:

 Annual

 Aggregate Limit

 1. Applies at the following Building(s) numbered:

 001-033 $ 1,000,000

 If more than one Annual Aggregate Limit applies in any one occurrence,

 the most we will pay is the highest involved Annual Aggregate Limit. The most

 we will pay during each annual period is the highest of the Annual Aggregate

 Limits shown.

 CAUSES OF LOSS - BROAD FORM FLOOD - aggregate in any one policy year, for all

 losses covered under the Causes of Loss - Broad Form Flood endorsement,

 commencing with the inception date of this policy:

 Annual

 Aggregate Limit

 1. Applies at the following Building(s) numbered:

 001-014,017-027,031-033 $ 20,000,000

 2. Applies at the following Building(s) numbered:

 015,016,028-030 $ 50,000

 If more than one Annual Aggregate Limit applies in any one occurrence,

 the most we will pay is the highest involved Annual Aggregate Limit. The most

 we will pay during each annual period is the highest of the Annual Aggregate

 Limits shown.

 EXCESS OF LOSS LIMITATION APPLIES - See Causes of Loss - Broad Form Flood

 endorsement.

 UTILITY SERVICES

 Limits of

 Insurance

 Combined Direct Damage and Time Element - in any one occurrence:

 (See Utility Services - Direct Damage and Utility

 Services - Time Element endorsements) $ 25,000

A J GALLAGHER RMS NI026 NAPERVILLE IL 888

Travelers Doc Mgmt 20 of 274
DELUXE PROPERTY COVERAGE POLICY NUMBER:

PART DECLARATIONS ISSUE DATE:

DX T0 00 11 12

PRODUCER: OFFICE:

Y-630-0K557677-COF-20

01-11-20

 UTILITY SERVICES (continued)

 Coverage is provided for the following:

 Water Supply

 Communication Supply

 Power Supply

 Coverage for Overhead Transmission Lines is: excluded.

 DEDUCTIBLES:

 BY EARTHQUAKE:

 1. In any one occurrence, at the following Building(s) numbered:

 001-033 $ 100,000

 As respects Business Income Coverage a 72 hour deductible applies

 at all premises locations.

 BY "FLOOD":

 1. At the premises location(s) of the following Building(s) numbered:

 015,016,028-030

 in any one occurrence $ 10,000

 As respects Business Income Coverage a 72 hour deductible applies

 at all premises locations.

 2. At the premises location(s) of the following Building(s) numbered:

 001-014,017-027,031-033

 in any one occurrence $ 50,000

 As respects Business Income Coverage a 72 hour deductible applies

 at all premises locations.

A J GALLAGHER RMS NI026 NAPERVILLE IL 888

Travelers Doc Mgmt 21 of 274
DELUXE PROPERTY COVERAGE POLICY NUMBER:

PART DECLARATIONS ISSUE DATE:

DX T0 00 11 12

PRODUCER: OFFICE:

Y-630-0K557677-COF-20

01-11-20

 DEDUCTIBLES: (continued)

 TO UTILITY SERVICES:

 Time Element, in any one occurrence: 72 Hours

 BUSINESS INCOME:

 As respects Business Income Coverage, for which no other deductible is

 stated above or in the coverage description, a 72 hour deductible applies.

 ANY OTHER COVERED LOSS in any one occurrence: $ 10,000

A J GALLAGHER RMS NI026 NAPERVILLE IL 888

Travelers Doc Mgmt 22 of 274
POLICY NUMBER: ISSUE DATE:

MORTGAGE HOLDER SCHEDULE

Premises

Loc. No.

Bldg.

No.

Mortgage Holder

Name and Mailing Address

DX 00 01 07 94

Y-630-0K557677-COF-20 01-11-20

 31 31 STANCORP MORTGAGE INVESTORS LLC

OR ITS ASSIGNS

C/O DRAPER AND KRAMER INC

55 EAST MONROE ST SUITE 3900

CHICAGO IL 60603

Travelers Doc Mgmt 23 of 274
TABLE OF CONTENTS

DELUXE PROPERTY COVERAGE PART

The following indicates the contents of the principal Forms which may be attached to your policy. It contains no

reference to the Declarations or Endorsements which also may be attached.

Begins on

DELUXE PROPERTY COVERAGE FORM Page

A. Coverage 1

B. Covered Causes of Loss 18

C. Exclusions 18

D. Limitations 26

E. Limits of Insurance 27

F. Deductible 28

G. Loss Conditions 28

H. Additional Conditions 34

I. Optional Coverages 35

J. Definitions 36

DELUXE BUSINESS INCOME (AND EXTRA EXPENSE) COVERAGE FORM

A. Coverage 1

B. Exclusions and Limitation 8

C. Limits of Insurance 9

D. Deductible 9

E. Loss Conditions 10

F. Optional Coverages 11

G. Definitions 12

DELUXE BUSINESS INCOME (WITHOUT EXTRA EXPENSE) COVERAGE FORM

A. Coverage 1

B. Exclusions and Limitation 7

C. Limits of Insurance 8

D. Deductible 8

E. Loss Conditions 9

F. Optional Coverages 10

G. Definitions 10

DELUXE EXTRA EXPENSE COVERAGE FORM

A. Coverage 1

B. Exclusions 6

C. Limits of Insurance 6

D. Loss Conditions 6

E. Optional Coverages 7

F. Definitions 8

DX 00 04 11 12 Page 1 of 1

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© 2011 The Travelers Company. All rights reserved.

Travelers Doc Mgmt 24 of 274
DELUXE PROPERTY 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. The

words "we", "us" and "our" refer to the Company providing this insurance.

Other words and phrases that appear in quotation marks have special meaning. REFER TO SECTION J. – DEFINITIONS.

A. COVERAGE (h) Building systems and equipment

We including alarm, communication, will pay for direct physical loss of or damage

security and monitoring devices; to Covered Property caused by or resulting from a

and Covered Cause of Loss.

(7) If not covered by other insurance: 1. Covered Property

(a) Additions under construction, al- Covered Property, as used in this Coverage

terations and repairs to the build- Part, means each of the following types of

ing or structure; and property described in this Section A.1., and

limited in Section A.2., Property and Costs (b) Materials, equipment, supplies

Not Covered, if a Limit of Insurance is shown and temporary structures, on or

in the Declarations for that type of property. within 1,000 feet of the described

premises, used for making addi- a. Building(s), meaning the designated

tions, alterations or repairs to the building or structure at the premises debuildings or structures. scribed in the Declarations, including:

b. Your Business Personal Property lo- (1) Completed additions; cated in or on the designated building or (2) Fixtures, including outdoor fixtures; structure at the premises described in the

(3) Foundations; Declarations or in the open (or in a vehicle) within 1,000 feet of the described (4) Glass that is a part of the building or

premises, consisting of the following structure; unless otherwise specified in the Declara-

(5) Machinery and equipment perma- tions:

nently attached to the building or (1) Furniture and fixtures; structure;

(2) Machinery and equipment (including (6) Personal property owned by you that "electronic data processing equip- is used to maintain or service the ment"); building or structure or its premises,

including: (3) "Stock";

(a) Fire extinguishing equipment; (4) All other personal property owned by

you and used in your business; (b) Outdoor furniture;

(5) Labor, materials or services furnished (c) Floor coverings;

or arranged by you on personal prop- (d) Lobby and hallway furnishings erty of others;

owned by you; (6) Your use interest as tenant in im-

(e) Appliances used for refrigerating, provements and betterments. Imventilating, cooking, dishwashing provements and betterments are fixor laundering; tures, alterations, installations or ad-

(f) Lawn maintenance and snow re- ditions:

moval equipment; (a) Made a part of the building or

(g) Heating, air conditioning and ven- structure you occupy or lease but

tilation equipment; and do not own; and

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

Travelers Doc Mgmt 25 of 274
(b) You acquired or made at your (c) The installation is abandoned by

expense, but cannot legally re- you;

move; (d) The property is more specifically

(7) Leased personal property for which insured; or

you have a contractual responsibility (e) This policy is cancelled or exto insure, unless otherwise insured pires, whichever occurs first; or under Personal Property of Others; (3) Is temporarily at any other premises and

not described in the Declarations, (8) Building glass that is not a tenant im- which you do not own, lease or regu- provement and betterment but which, larly operate.

as a tenant, you are contractually reCoverage does not include Sales Repre- quired to insure under a written lease

sentative Property as defined in Para- agreement. graph A.1.f. below.

c. Personal Property of Others meaning e. Personal Property in Transit as follows: others' personal property in your care,

custody, or control that is located in or on (1) This coverage for Personal Property

the designated building or structure at the in Transit applies to:

premises described in the Declarations or (a) Your Business Personal Propin the open (or in a vehicle) within 1,000 erty; and

feet of the described premises. (b) Personal Property of Others; However, our payment for loss of or

away from the described premises damage to Personal Property of Others

will while in transit between points within only be for the account of the owner

the Coverage Territory. of the property.

d. Personal Property At Undescribed (2) Unless a mode of transportation or

Premises meaning Your Busines type of shipment is specifically ex- s Percluded in the Declarations or by en- sonal Property and Personal Property of

Others dorsement, this coverage applies to in your care, custody or control

property in transit being shipped by that:

any type of carrier or vehicle. (1) Is at "exhibition" premises located

worldwide (3) This coverage applies from the time including while in transit to

the property leaves the premises and from the "exhibition" premises where the shipment begins until the provided that no trade sanction, emshipment arrives at its final destina- bargo or similar regulation imposed

tion. If the property is not delivered, by the United States of America prowe cover the return of the property to hibits us from covering the loss or

you, including while the property is damage;

temporarily held by the receiver or (2) Is at installation premises or tempo- the carrier while awaiting return

rary storage premises while awaiting shipment to you.

installation that you do not own, lease

(4) Subject to the Limit of Insurance that or regularly operate. This coverage

applies to the Personal Property in applies only to such property that will

Transit coverage, we will also pay for: or has become a permanent part of

an installation project being per- (a) Any general average or salvage

formed for others by you or on your charges you incur as respects

behalf. This coverage will end when losses to covered waterborne

any of the following first occurs: shipments;

(a) Your interest in the property (b) Your interest in covered shipceases; ments sold Free On Board if you

cannot collect payment for the (b) The installation is accepted by

loss or damage from the con- the customer;

signee; and

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

Travelers Doc Mgmt 26 of 274
(c) Loss of or damage to Covered d. Automobiles, motorcycles, motor trucks,

Property resulting from the unin- motor homes and similar vehicles held for

tentional acceptance of any sale, lease, loan or rent;

fraudulent Bill of Lading, order or e. Bulkheads, pilings, piers, wharves, docks,

shipping receipt by you, your em- dikes or dams;

ployees or authorized representa- f. Contraband or property in the course of il- tives or by your agent, customer legal transportation or trade; or consignee from anyone representing g. "Electronic data processing data and me- themselves to be the

proper person to receive goods dia" that is obsolete or no longer used by

you; for shipment or accept goods for

delivery. h. "Employee tools" except as provided in

the Employee Tools Coverage Extension; (5) This coverage does not apply to:

(a) Accounts receivable; i. Export and import shipments while covered under an ocean marine cargo or (b) "Employee tools"; other insurance policy;

(c) "Fine arts"; j. "Fine arts", except as provided in the

(d) Sales representative property; Personal Effects and Fine Arts Coverage

Extensions; (e) Personal property in transit to or

from an "exhibition" site; or k. Harvested grain, hay, straw or other

(f) "Valuable papers and records". crops while outside of buildings, growing

crops or standing timber; f. Sales Representative Property meaning

goods or merchandise which are Your l. Human body parts and fluids including

Business Personal Property and Personal organs, tissue, blood and cells;

Property of Others in the custody of inde- m. Land, whether in its natural state or othpendent contractors whom you authorize erwise (including land on which the propto sell such goods or merchandise. This erty is located), land improvements or the

coverage applies worldwide while the cost of restoring or stabilizing land;

property is: n. Personal property sold by you under an

(1) At any premises away from the de- installment plan, conditional sale, trust

scribed premises; or agreement or other deferred payment

plan after delivery to the purchasers ex- (2) In transit;

cept as provided in the Deferred Pay- provided that no trade sanction, embargo ments Coverage Extension; or similar regulation imposed by the

United States of America prohibits us o. Property of others for which you are responsible while acting as a common or from covering the loss or damage.

contract carrier, car-loader, freight for- 2. Property and Costs Not Covered warder, freight consolidator, freight broUnless the following property is added by en- ker, shipping association or similar ardorsement to this Coverage Form, Covered ranger of transportation, or as a public

Property does not include: warehouseman;

a. Accounts, bills, currency, food stamps or p. Property that is covered under another

other evidences of debt, money, notes, coverage form or endorsement of this or

checks, drafts or securities except as any other policy in which it is more speprovided in the Accounts Receivable cifically described, except for the excess

Coverage Extension. Lottery tickets held of the amount due (whether you can colfor sale are not securities; lect on it or not) from that other insurance;

b. Aircraft or watercraft; q. Property while waterborne except while in

transit by inland water carriers or by c. Animals; coastwise vessels operating within "territorial waters";

DX T1 00 11 12 © 2011 The Travelers Indemnity Company. All rights reserved. Page 3 of 38

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

Travelers Doc Mgmt 27 of 274
r. Shipments by a government postal ser- (b) Vehicles or self-propelled mavice except by registered mail; chines you hold for sale, lease,

loan or rent other than those ex- s. The cost of excavations, grading, backfillcluded under A.2.d. above; or ing or filling. This does not apply to costs

necessarily incurred to repair or replace (c) Trailers and Semi-trailers to the

covered loss or damage to Covered extent covered under the NonProperty, but any costs associated with Owned Detached Trailers Coverland stabilization and land reconstruction age Extension;

are excluded; x. Water, whether in its natural state or otht. The cost to research, replace or restore erwise, and whether above or below

the information on "valuable papers and ground or the cost of reclaiming or restorrecords" and "electronic data processing ing water.

data and media", except as provided in But this does not apply to:

the Valuable Papers and Records – Cost

(1) Water contained in storage tanks of Research and Electronic Data Procused in your manufacturing or proc- essing Data and Media Coverage Extenessing operations as specifically in- sions; sured under the Stored Water Addiu. The following property while outside of tional Coverage; or buildings: (2) Bottled water. (1) Bridges, roadways, walks, patios, or

3. Additional Coverages other paved surfaces;

Each of the following Additional Coverages (2) Artificial turf and associated underapplies subject to the Limit(s) of Insurance layment; stated in this Coverage Form unless a revised (3) Retaining walls that are not part of a

Limit of Insurance or Not Covered is indicated

building; in the Declarations or the coverage is other-

(4) Fences; wise amended by endorsement:

(5) Trees, shrubs, plants or lawns (in- a. Debris Removal

cluding fairways, greens and tees), (1) We will pay your expense to remove

but not including vegetative roofs on debris of Covered Property, and other Covered Buildings nor "stock" of debris that is on the described premtrees, shrubs or plants; ises, when such debris is caused by

except as provided in the Outdoor Prop- or results from a Covered Cause of

erty Coverage Extension. Loss that occurs during the policy period. The expenses will be paid only if v. The following underground property:

they are reported to us in writing (1) Wires; within 180 days of the date of direct

(2) Pipes, flues and drains; physical loss or damage.

(3) Tanks (including their contents); This Additional Coverage does not

apply to costs to: (4) Tunnels (whether or not connected to

buildings); (a) Remove debris of property you

own that is not insured under this (5) Mines or mining property; policy, or property of others in

w. Vehicles or self-propelled machines that: your care, custody or control that

(1) Are licensed for use on public roads; is not Covered Property;

or (b) Remove debris of property

(2) Are operated principally away from owned by or leased to the landthe described premises; lord of the building where your

described premises are located, But this does not apply to: unless you have a contractual re-

(a) Vehicles, self-propelled machines sponsibility to insure such propor autos you manufacture, proc- erty and it is insured under this

ess or warehouse; policy;

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Travelers Doc Mgmt 28 of 274
(c) Remove debris of any outdoor age) is $25,000. This is additional inproperty of a type described in surance.

the Outdoor Property Coverage b. Expediting Expenses Extension, whether the property

In the event of covered loss or damage to is your property or the property of

Covered Property, we will pay for the rea- others;

sonable and necessary additional ex- (d) Remove any property that is in- penses you incur to make temporary recluded under Section A.2. Prop- pairs to, or expedite the permanent reerty and Costs Not Covered; pairs or replacement of the Covered

(e) Remove property of others of a Property at the premises sustaining loss

type that is not Covered Property or damage. Expediting expenses include

under this Coverage Form; overtime wages and the extra cost of express or other rapid means of transporta- (f) Extract "pollutants" from land or

tion. Expediting expenses do not include water; or

expenses you incur for the temporary (g) Remove, restore or replace pol- rental of property or temporary replaceluted land or water. ment of damaged property.

(2) The most we will pay under this Addi- The most we will pay in any one occurtional Coverage for your expense to rence under this Additional Coverage is

remove the debris of Covered Prop- $25,000. erty is 25% of: c. Fire Department Service Charge

(a) The amount we pay for the direct

When the fire department is called to physical loss of or damage to

save or protect Covered Property from a Covered Property; plus Covered Cause of Loss, we will pay for

(b) The deductible in this Coverage your liability for fire department service

Part applicable to that loss or charges: damage. (1) Assumed by contract or agreement Except as provided in Paragraph (3) prior to loss; or below, this payment for your expense (2) Required by local ordinance. to remove the debris of Covered

Property is included within the appli- No deductible applies to this Additional

cable Covered Property Limit of In- Coverage.

surance. d. Fire Protective Equipment Discharge

(3) If: If fire protective equipment at the de-

(a) Your expense to remove debris scribed premises discharges accidentally

of Covered Property exceeds the or to control a Covered Cause of Loss,

we will pay your cost to:

(b) The sum of the amount we pay (1) Refill or recharge the system with the

for loss of or damage to Covered extinguishing agents that were disProperty and the expense for re- charged; and

moval of its debris exceeds the (2) Replace or repair faulty valves or

applicable Limit of Insurance; controls which caused the discharge.

we will pay an additional amount for e. Green Building Alternatives – Inyour expense to remove the debris of creased Cost

Covered Property, up to $250,000 in (1) If direct physical loss or damage by a any one occurrence. Covered Cause of Loss occurs to a

(4) The most we will pay in any one oc- building that is Covered Property, we

currence under this Additional Cover- will pay for:

age for your expense to remove the (a) The reasonable additional cost debris of any property that is not

Covered Property you incur to repair or replace the (if such removal is

lost or damaged portions of the covered under this Additional CoverDX T1 00 11 12 © 2011 The Travelers Indemnity Company. All rights reserved. Page 5 of 38

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

above 25% limitation; or

Travelers Doc Mgmt 29 of 274
building using products or mate- on file with us prior to the loss

rials that: or damage.

(i) Are "green" alternatives to Unless otherwise stated in the Declathe products or materials of rations, this resultant amount is subthe lost or damaged property, ject to a maximum amount of insurin accordance with a docu- ance of $100,000 for each building.

mented "green authority"; f. Green Building Reengineering and Reand certification Expense

(ii) Are otherwise of comparable (1) If, as a result of direct physical loss or quality and function to the damage by a Covered Cause of Loss damaged property; to a building that is Covered Property,

and the pre-loss level of "green" building

(b) The reasonable additional cost certification by a "Green Authority" on

you incur to employ "green" the building is lost, we will pay for the

methods or processes of con- following reasonable additional exstruction, disposal or recycling in penses you incur to re-attain the prethe course of the repair and re- loss level of "green" building certificaplacement of the lost or damaged tion from that "Green Authority":

building, in accordance with the (a) The reasonable additional ex- documented standards of a

pense you incur to hire a qualified "green authority". engineer or other professional (2) The insurance provided under this required by the "Green Authority" Additional Coverage applies only if to be involved in:

replacement cost valuation applies to

(i) Designing, overseeing or the lost or damaged building and then

documenting the repair or re- only if the building is actually repaired

or placement of the lost or dam- replaced as soon as reasonably

possible after the loss or damage. aged building; or

(3) The insurance provided under this (ii) Testing and recalibrating the

Additional Coverage does not apply systems and mechanicals of

to any building that has been "vacant" the lost or damaged building

for more than 60 consecutive days to verify that the systems and

before the loss or damage occurs. mechanicals are performing

in accordance with the design (4) The most we will pay for the addiof such systems and me- tional cost incurred with respect to

each building chanicals or the specifica- in any one occurrence

under tions of the manufacturer; this Additional Coverage is determined by multiplying: and

(a) A factor of 1% (unless a higher (b) The reasonable registration and

increased cost percentage is recertification fees charged by

shown in the Declarations); times the "Green Authority".

(b) The lesser of: (2) This Additional Coverage applies to

(i) The amount we would other- the additional expenses described

wise pay for direct physical above that you incur to achieve the

loss of or damage to the pre-loss level of "green" building certibuilding, prior to application fication in accordance with the stanof any applicable deductible; dards of the "Green Authority" that

or exist at the time of repair or replace-

(ii) The value you reported to us ment, even if the standards have

for the building, as stated on changed since the original certificathe latest Statement of Val- tion was achieved.

ues or other documentation

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Travelers Doc Mgmt 30 of 274
(3) The most we will pay in any one oc- (3) The most we will pay for the total of

currence under this Additional Cover- all loss or damage under this Addiage for: tional Coverage arising out of all occurrences of "specified causes of (a) All expenses incurred with reloss" (other than fire or lightning) oc- spect to each building is 5% of

curring during each separate 12 the sum of:

month period of this policy beginning (i) The amount we pay for the with the effective date of this policy is

direct physical loss of or $25,000. damage to the building, in- (4) The coverage provided under this cluding any amount paid unAdditional Coverage does not in- der the Green Building Altercrease the applicable Limit of Insur- natives – Increased Cost Adance on any Covered Property. If a

particular occurrence results in loss (ii) The deductible amount ap- or damage by "fungus", wet rot or dry plied to the loss payment for rot, and other loss or damage, we will

direct physical loss or dam- not pay more for the total of all loss or age to the building; damage than the applicable Limit of

(b) All expenses incurred, regardless Insurance on the Covered Property.

of the number of buildings in- If there is covered loss or damage to

volved, is $25,000. Covered Property that is not caused

g. Limited Coverage for Fungus, Wet Rot by "fungus", wet rot or dry rot, loss

or Dry Rot payment will not be limited by the

terms of this Additional Coverage, (1) The coverage provided in Paragraph

except to the extent that "fungus", (2) below only applies when "fungus", wet rot or dry rot causes an increase wet rot or dry rot is the result of any

in the loss. Any such increase in the of the "specified causes of loss", loss will be subject to the terms of other than fire or lightning, that oc- this Additional Coverage. curs during the policy period, and

only if all reasonable means have h. Ordinance or Law Coverage

been used to save and preserve the (1) In the event of covered direct physi- property from further damage at the cal loss or damage to a building that

time of and after the occurrence of is Covered Property, the following

such "specified causes of loss". coverages apply, but only with re-

(2) We will pay for direct physical loss of spect to that lost or damaged buildor damage to Covered Property ing:

caused by "fungus", wet rot or dry rot, (a) Coverage A – Coverage For

including: Loss To The Undamaged Portion of The Building (a) The cost of removal of the "fungus", wet rot or dry rot; We will pay under Coverage A for

the loss in value of the undam- (b) The cost to tear out and replace

aged portion of the building as a

any part of the building or other

consequence of enforcement of property as needed to gain acan ordinance or law that requires

cess to the "fungus", wet rot or demolition of undamaged parts of dry rot; and the same building.

(c) The cost of testing performed af- (b) Coverage B – Demolition Cost

ter removal, repair, replacement Coverage

or restoration of the damaged

property is completed, provided We will pay under Coverage B

the cost to demolish the building there is a reason to believe that

and clear the site of undamaged "fungus", wet rot or dry rot are

parts of the same building, as a present.

consequence of enforcement of

DX T1 00 11 12 Page 7 of 38

ditional Coverage; and

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Travelers Doc Mgmt 31 of 274
an ordinance or law that requires (b) The building either:

demolition of such undamaged (i) Sustains direct physical loss

property. or damage that is covered

(c) Coverage C – Increased Cost under this Coverage Part and

of Construction such damage results in enforcement of the ordinance or We will pay under Coverage C law; or

the increased cost to:

(ii) Sustains both direct physical (i) Repair or reconstruct dam- loss or damage that is covaged portions of that building; ered under this Coverage

or Part and direct physical loss

or damage that is not cov- (ii) Reconstruct or remodel undamaged portions of that ered under this Coverage

Part and the building damage building, whether or not

in its entirety results in en- demolition is required;

forcement of the ordinance or

when the increased cost is a law.

consequence of enforcement of

If the building sustains direct the minimum requirements of the physical loss or damage that is ordinance or law. not covered under this Coverage

This Coverage C applies only if Part, and such damage is the

the restored or remodeled prop- subject of the ordinance or law,

erty is intended for similar occu- then there is no coverage under

pancy as the current property, this Additional Coverage even if

unless such occupancy is not the building has also sustained

permitted by zoning or land use covered direct physical loss or

ordinance. This Coverage C does damage.

not apply if the building is not re- (c) In the situation described in (b)

paired, reconstructed or remod- (ii) above, we will not pay the full

eled. amount of loss otherwise payable

under the terms of Coverage A, (2) The coverages described in (1) B or C of this Additional Cover- above apply only if the provisions in

age. Instead, we will pay a pro- Paragraphs (a) and (b) below are sat- portion of such loss. The propor- isfied and are then subject to the tion of such loss that we will pay qualifications set forth in Paragraph is the proportion that the covered (c) below: direct physical loss or damage

(a) The ordinance or law: bears to the total direct physical

loss or damage. (i) Regulates the demolition,

construction or repair of However, if covered direct physibuildings, or establishes zon- cal loss or damage, alone, would

ing or land use requirements have resulted in the enforcement

at the described premises; of the ordinance or law, then we

and will pay the full amount of loss

otherwise payable under the (ii) Is in force at the time of loss. terms of Coverage A, B, or C of

But this Additional Coverage ap- this Additional Coverage.

plies only in response to the (3) We will not pay under this Additional

minimum requirements of the or- Coverage for: dinance or law. Losses and costs

(a) Enforcement of any ordinance or incurred in complying with rec- law which requires the demoli- ommended actions or standards

tion, repair, replacement, recon- that exceed actual requirements struction, remodeling or remedia- are not covered.

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Travelers Doc Mgmt 32 of 274
tion of property due to contamina- which is performed in the course of extion by "pollutants" or due to the tracting the "pollutants" from the land or

presence, growth, proliferation, water.

spread or any activity of "fungus", The most we will pay under this Addi- wet rot or dry rot; tional Coverage is $100,000 for the sum

(b) The costs associated with the en- of all covered expenses arising out of all

forcement of any ordinance or "specified causes of loss" occurring durlaw which requires any insured or ing each separate 12 month period of this

others to test for, monitor, clean policy (beginning with the effective date of

up, remove, contain, treat, detox- the policy).

ify or neutralize, or in any way re- j. Preservation of Property

spond to, or assess the effects of

"pollutants", "fungus", wet rot or If it is necessary to temporarily move

dry rot; or Covered Property from the described

premises to preserve it from the threat of (c) Loss due to any ordinance or law imminent loss or damage by a Covered that: Cause of Loss:

(i) You were required by the or- (1) We will pay for the reasonable and dinance or law to comply with

necessary expenses actually incurred before the loss, even if the by you to remove the Covered Prop- building was undamaged; erty from the described premises, and temporarily store the Covered Prop- (ii) You failed to comply with. erty at another location and move the

Covered Property back to the de- (4) Exclusion C.1.h. Ordinance or Law

does not apply to the insurance spe- scribed premises within a reasonable

cifically provided under this Additional time after the threat of imminent loss

Coverage. or damage to the property by the

Covered Cause of Loss passes. The (5) The most we will pay under this Addi- most we will pay for the sum of all tional Coverage for loss with respect such expenses that you incur due to to all buildings lost or damaged in any the threat of loss or damage from any one occurrence, regardless of the one occurrence is $250,000, subject number of buildings involved, is to the following: $250,000. (a) This Limit of Insurance is an addi- i. Pollutant Cleanup and Removal tional amount of insurance that is

We will pay your expense to extract "pol- not included in, and does not relutants" from land or water at the de- duce, the Covered Property Limscribed premises, if the discharge, dis- its of Insurance.

persal, seepage, migration, release or (b) When the Causes of Loss –

escape of the "pollutants" is caused by or Earthquake endorsement or

results from any of the "specified causes Causes of Loss – Earthquake

of loss" which occurs: Sprinkler Leakage endorsement

is included in this Coverage Part, (1) On the described premises;

our payment for the sum of all (2) To Covered Property; and expenses incurred due to the

(3) During the policy period. threat of loss or damage to Covered Property from all threatened The expenses will be paid only if they are

occurrences of all such Covered reported to us within 180 days of the date Causes of Loss in any one policy on which the covered "specified cause of

year will not exceed $250,000. loss" occurs. This limit is not included in, and

This Additional Coverage does not apply does not reduce, the Limits of Into costs to test for, monitor or assess the surance that apply to loss or

existence, concentration or effects of damage to which the Causes of

"pollutants". But we will pay for testing Loss – Earthquake endorsement

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

Travelers Doc Mgmt 33 of 274
or the Causes of Loss – Earth- (i) The policy is amended to

quake Sprinkler Leakage en- provide insurance at the new

dorsement applies. location;

(c) When the Causes of Loss – (ii) The Covered Property is reBroad Form Flood endorsement turned to the original location;

is included in this Coverage Part, or

our payment for the sum of all (iii) This policy expires.

expenses incurred due to the k. Reward Coverage threat of loss or damage to Covered Property from all threatened We will reimburse you for rewards you

occurrences of such Covered have incurred leading to:

Cause of Loss in any one policy (1) The successful return of undamaged

year will not exceed $250,000. stolen articles of Covered Property to

This limit is not included in, and a law enforcement agency; or does not reduce, the Limits of In-

(2) The arrest and conviction of any per- surance that apply to loss or

son(s) who have damaged or stolen damage to which the Causes of

any of your Covered Property. Loss – Broad Form Flood endorsement applies. The most we will pay in any one occurrence under this Additional Coverage is (d) If the threat of imminent direct

25% of the covered loss (prior to the ap- physical loss or damage to Covplication of any applicable deductible and ered Property from the same ocrecovery of undamaged stolen articles) currence spans over multiple polup to a maximum of $25,000 for the pay- icy years, only the limit that apments of rewards you make. These re- plies to this Coverage in the pol- ward payments must be documented. No icy year in which the expenses

deductible applies to this Additional Cov- are first incurred by you will apply

erage. to the total of the expenses incurred due to the threat of loss or l. Stored Water

damage from that occurrence. (1) We will pay the cost you incur to reThis Coverage is subject to the de- place water that is used in your

ductible that applies to loss or dam- manufacturing or processing operaage to the Covered Property by the tions which is contained in any:

Covered Cause of Loss from which (a) Above-ground storage tank; or the property is being preserved. (b) Manufacturing or processing (2) We will also pay for any direct physi- equipment (including related pip- cal loss of or damage to the Covered ing) at the described premises, Property while it is being moved from

when the water has been released or the described premises, while temporarily stored at another location or rendered unusable for its intended

while being moved back purpose due to direct physical loss of to the described premises, subject or damage to such tank, equipment to the folor piping by a Covered Cause of lowing:

Loss. (a) This Coverage is subject to, and

does not (2) This Additional Coverage does not increase the applicable

Covered Property Limit of Insur- apply to costs to restore or replace

ance. water contained in any fire suppression system. (b) This Coverage will only apply if

(3) The most we will pay in any one oc- the loss or damage occurs within

180 days after currence under this Additional Cover- the Covered

Property age is $25,000. is first moved and will

end when any of the following

first occurs:

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

Travelers Doc Mgmt 34 of 274
m. Water or Other Substance Loss – Tear (c) Collection expenses in excess of

Out and Replacement Expense your normal collection expenses

that are made necessary by the In the event of covered loss or damage

loss; and caused by or resulting from water (or

steam), other liquid, powder or molten (d) Other reasonable expenses that

material, we will also pay: you incur to re-establish your records of accounts receivable. (1) The necessary cost of tearing out and

replacing any part of a Covered (2) If you cannot accurately establish the

Building or Structure to repair dam- amount of accounts receivable outage to the system or appliance from standing as of the time of loss, we

which the water (or steam), other liq- will:

uid, powder or molten material es- (a) Determine the total of the avercapes; and age monthly amounts of accounts

(2) The cost to repair or replace dam- receivable for the 12 months imaged parts of fire extinguishing mediately preceding the month in

equipment if: which the loss occurs;

(a) The damage results in discharge (b) Adjust the total for any normal

of any substance from an auto- fluctuations in the amount of acmatic fire protective system; or counts receivable for the month

in which the loss occurred or for (b) Is directly caused by freezing.

any demonstrated variance from

Except as provided under (2) above, we the average for that month; and will not pay the cost to repair any defect (c) Deduct the following from the to- in a system or appliance from which the

tal amount of accounts receiv- water (or steam), other liquid, powder or

able, however that amount is established:

4. Coverage Extensions (i) The amount of the accounts

Each of the following Coverage Extensions for which there is no loss; applies subject to the Limit(s) of Insurance (ii) The amount of the accounts stated in this Coverage Form, unless a rethat you are able to re- vised Limit of Insurance or Not Covered is inestablish or collect; dicated in the Declarations or the coverage is

otherwise amended by endorsement: (iii) An amount to allow for probable bad debts that you are a. Accounts Receivable

normally unable to collect; (1) You may extend the insurance that and

applies to Your Business Personal (iv) All unearned interest and Property to apply to losses and exservice charges. penses described below that you incur resulting from direct physical loss (3) The most we will pay in any one ocor damage by a Covered Cause of currence under this Extension for loss

Loss to your accounts receivable re- and expenses resulting from loss of

cords. Credit card company charge or damage to your records of acmedia will be considered accounts counts receivable:

receivable until delivered to the credit (a) At or within 1,000 feet of the decard company. scribed premises is $50,000; and

We will pay: (b) While in transit or at all unde-

(a) Amounts due from your custom- scribed premises is $25,000.

ers that you are unable to collect; b. Appurtenant Buildings and Structures

(b) Interest charges on any loan re- (1) At the described premises where

quired to offset amounts you are Building coverage applies: unable to collect pending our

(a) You may extend the insurance payment of these amounts;

that applies to your buildings to

DX T1 00 11 12 Page 11 of 38

molten material escapes.

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

Travelers Doc Mgmt 35 of 274
apply to direct physical loss or (a) Any expenses incurred, directed,

damage by a Covered Cause of or billed by or payable to attorLoss to incidental appurtenant neys, insurance adjusters or their

buildings and structures which associates or subsidiaries;

are at the described premises but (b) Any costs as provided in the Ap- not specifically described in the praisal Loss Condition (G.2.); or Declarations; and (c) Any expenses incurred, directed, (b) You may extend the insurance or billed by or payable to insurthat applies to Your Business ance brokers or agents, or their

Personal Property and Personal associates or subsidiaries, withProperty of Others, if any, to ap- out our written consent prior to

ply to direct physical loss or such expenses being incurred. damage by a Covered Cause of (3) The most we will pay for claim data Loss to such property located

within expense in any one occurrence under incidental appurtenant

this Extension is $25,000. buildings or structures which are

at the described premises but not d. Covered Leasehold Interest – Undamspecifically described in the Dec- aged Improvements and Betterments

larations. (1) You may extend the insurance that

(2) Incidental appurtenant buildings or applies to Your Business Personal

structures include storage buildings, Property at the described premises

garages, pump houses, above which you lease from others to apply

ground tanks, television and radio to your interest as tenant in improvetowers, antennas, satellite dishes and ments and betterments, as defined in

solar panels mounted on the ground Section A.1.b.(6) of this Coverage

or on poles not attached to buildings Form, which are not damaged or deand structures. But incidental appur- stroyed, but which you lose due to

tenant buildings and structures do not the cancellation of your lease by your

include: landlord. The cancellation of your

lease by your landlord must: (a) Outside signs, whether or not attached to buildings or structures; (a) Result from direct physical loss of

or damage to property at the de- (b) Any property to which the Outscribed premises where your im- door Property Coverage Extenprovements and betterments are sion applies; or

located, caused by or resulting (c) Any property excluded under from a Covered Cause of Loss; Section A.2. Property and Costs and

Not Covered.

(b) Be permitted in accordance with (3) The most we will pay for loss or dam- the conditions of your written

age in any one occurrence under this lease agreement. Extension is $100,000. (2) The most we will pay for loss in any c. Claim Data Expense one occurrence under this Extension

(1) You may extend the insurance pro- is:

vided by this Coverage Form to apply (a) The applicable Your Business

to the reasonable expenses you incur Personal Property Limit of Insurin preparing claim data when we re- ance; or

quire it to adjust a covered loss. This (b) $100,000; includes the cost of taking inventowhichever is less. ries, making appraisals and preparing

other documentation to show the ex- e. Deferred Payments

tent of loss. (1) You may extend the insurance that

(2) We will not pay for: applies to Your Business Personal

Property to apply to your interest in

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Travelers Doc Mgmt 36 of 274
such business personal property that original "electronic data processing

is sold by you under an installment data and media" are kept.

plan, conditional sale, trust agree- (2) The most we will pay for loss or damment or other deferred payment plan age in any one occurrence under this

when, as a result of direct physical Extension is $50,000.

loss of or damage to such property: g. Electronic Data Processing Data and (a) Occurring within the Coverage Media

Territory at any location, or in (1) You may extend the insurance that transit, after delivery to buyers; applies to Your Business Personal and

Property and Personal Property of (b) Caused by a Covered Cause of Others to apply to your costs to reLoss; search, replace or restore the lost inthe buyer refuses to continue pay- formation on lost or damaged "elecments owed to you for such property tronic data processing data and meand, as a result, you repossess the dia" for which duplicates do not exist.

remaining damaged property of The loss or damage to the "electronic

value, if any. data processing data and media"

must be caused by a Covered Cause (2) The value of your loss under this Exof Loss. tension will be determined as follows:

(2) The most we will pay in any one oc- (a) In the event of partial loss to

currence under this Extension for loss property, the value of your loss

or damage to "electronic data proc- will be:

essing data and media": (i) The unpaid balance shown (a) At or within 1,000 feet of the de- on your books as due from

scribed is as follows: the buyer for such property,

excluding any interest or fees (i) $50,000 at all described

due; minus premises unless a different

Limit of Insurance or Not (ii) The actual cash value of the

Covered is shown in the Dec- repossessed damaged proplarations or Paragraph (ii) be- erty.

low applies; (b) In the event of a total loss to (ii) When Included is shown in property, the value of your loss

the Declarations as the Limit will be the unpaid balance shown

of Insurance, the insurance on your books as due from the

provided for such property is buyer for such property, excludincluded in, and does not in- ing any interest or fees due.

crease the Limit(s) of Insur- (3) The most we will pay for loss in any ance that otherwise apply to

one occurrence under this Extension loss or damage to Your Busiis $25,000. ness Personal Property and

f. Duplicate Electronic Data Processing Personal Property of Others

Data and Media at the described premises

where the loss occurs; (1) You may extend the insurance that

applies to Your Business Personal and

Property and Personal Property of (b) At any other location where the

Others to apply to direct physical loss insurance provided under this

or damage by a Covered Cause of Coverage Form for Your BusiLoss to duplicates of your "electronic ness Personal Property and Perdata processing data and media" sonal Property of Others applies, while stored in a separate, unat- including while in transit, is intached building anywhere in the Cov- cluded in and does not increase

erage Territory from where your the Limit of Insurance that otherwise applies to loss or damage to

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Travelers Doc Mgmt 37 of 274
Your Business Personal Property to continue your normal busiand Personal Property of Others ness operations:

at that location or in transit. But, • At the described prem- in no event will the amount we ises; or pay for such loss or damage to

"electronic data processing data • At replacement premises

and media" under this Extension or at temporary locations,

exceed the amount we would including relocation exhave paid had the loss to "elec- penses and costs to

tronic data processing data and equip and operate the

media" occurred at or within replacement or tempo1,000 feet of the described prem- rary locations;

ises. (ii) To minimize the suspension

h. Employee Tools of business if you cannot

continue your normal busi- (1) You may extend the insurance that

ness operations at the de- applies to Your Business Personal

Property scribed premises; or to apply to direct physical

loss or damage by a Covered Cause (iii) To the extent that it reduces

of Loss to "employee tools" at the de- the amount of loss that othscribed premises or while in the care, erwise would have been

custody or control of your employees payable under this Coverage

at job sites or while in transit between Form:

these locations. • To repair or replace any

(2) The most we will pay for loss or dam- property;

age in any one occurrence under this

Extension • To research, replace or is $25,000, but not more

restore the lost informa- than $2,500 for any one item.

tion on lost or damaged i. Extra Expense "electronic data process- (1) You may extend the insurance pro- ing data and media" or

vided by this Coverage Form to apply "valuable papers and reto the reasonable and necessary Ex- cords".

tra Expense you incur, during the pe- (b) Period of restoration means the riod of restoration, due to direct period of time that: physical loss or damage to property

at or within 1,000 (i) Begins with the date of direct feet of the described premises caused by or result- physical loss or damage

ing from a Covered Cause of Loss. caused by or resulting from

any Covered Cause of Loss

(2) If you occupy only a portion of a

at the described premises; building in which the described prem- and ises are located, such premises include all (ii) Ends on the earlier of: routes within the building to

gain access to the portion of the • The date when the property at the described

occupy. premises should be re-

(3) As used in this Extension: paired, rebuilt or replaced

with reasonable speed (a) Extra Expense means necessary and similar quality; or expenses you incur that you

would not have incurred if there • The date when business

had been no direct physical loss is resumed at a new

or damage to property: permanent location.

(i) To avoid or minimize the Period of restoration does not insuspension of business and clude any increased period rePage 14 of 38 DX T1 00 11 12

building which you own, rent, lease or

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Travelers Doc Mgmt 38 of 274
quired due to the enforcement of (b) Re-program the key card access

any ordinance or law that: control device to accept replacement key cards. (i) Regulates the construction,

use or repair, or requires the (2) With respect only to the insurance

tearing down of any property; provided by this Extension, the folor lowing changes apply to the Exclusions in Section C. and Limitations in (ii) Requires any insured or othSection D. of this Coverage Form: ers to test for, monitor, clean

up, remove, contain, treat, (a) The exclusion of loss or damage

detoxify or neutralize, or in caused by or resulting from disany way respond to the ef- honest or criminal act under Exfects of "pollutants". clusion C.2.c. (Dishonesty) does

not apply, except with respect to The expiration date of this policy dishonest or criminal act by you will not cut short the period of

or any of your partners, directors restoration.

or trustees; (4) The most we will pay for all Extra Ex- (b) The exclusion of loss of property pense in any one occurrence under

when there is no physical evi- this Extension is $25,000. dence to show what happened to

j. Fine Arts the property under Limitations

(1) You may extend the insurance that D.1.d. does not apply.

applies to Your Business Personal (3) The most we will reimburse you for

Property and Personal Property of costs under this Extension is $25,000 Others to apply to direct physical loss in total arising out of all occurrences

or damage by a Covered Cause of occurring during each separate 12

Loss to "fine arts" at the described month period of this policy (beginning

premises or in transit. with the effective date of the policy).

(2) The most we will pay in any one oc- l. Newly Constructed or Acquired Prop- currence under this Extension for loss erty

of or damage to "fine arts": (1) You may extend the insurance pro- (a) At or within 1,000 feet of the de- vided by this Coverage Form to apply

scribed premises is $50,000; and to direct physical loss or damage by a

(b) While in transit is $25,000. Covered Cause of Loss to:

k. Loss of Master Key (a) Your new buildings or additions

while being built on the described (1) If a master key or key card to buildpremises or newly acquired ings, rooms or compartments that are

premises including materials, Covered Property or house Covered

equipment, supplies and tempo- Property is lost or damaged by a

rary structures, on or within 1,000 Covered Cause of Loss, you may exfeet of the premises; tend the insurance provided by this

Coverage Form to apply to the actual (b) Buildings you acquire at locations

and necessary costs you incur to: other than the described premises; and (a) Replace keys and either:

(c) Buildings which you become (i) Adjust existing locks to acnewly required to insure under a

cept the new keys; or written contract.

(ii) Replace existing locks, but

The most we will pay for loss or dam- only if necessary or less exage to Buildings in any one occur- pensive than the cost of adrence under this Extension is justing the existing locks; $2,000,000 at each building.

or (2) You may extend the insurance that

applies to Your Business Personal

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Travelers Doc Mgmt 39 of 274
Property and Personal Property of motorized conveyance, whether

Others to apply to direct physical loss or not the motor vehicle or motoror damage by a Covered Cause of ized conveyance is in motion; or

Loss to that type of property at: (b) During hitching or unhitching op-

(a) A building you newly acquire or erations, or when a trailer or

construct at a location described semi-trailer becomes accidentally

in the Declarations; and unhitched from a motor vehicle or

motorized conveyance. (b) Any other location you acquire by

purchase or lease (other than at (3) The most we will pay for loss or dam-

"exhibitions"). age in any one occurrence under this

Extension is $25,000. The most we will pay for loss or damage to Your Business Personal Prop- (4) This insurance is excess over the

erty and Personal Property of Others amount due from any other insurance

in any one occurrence under this Ex- covering such property, whether you

tension is $1,000,000 in total at each can collect on it or not.

newly acquired premises. n. Outdoor Property

(3) Insurance provided under this Exten- (1) You may extend the insurance pro- sion for each newly acquired or con- vided by this Coverage Form to apply

structed property will end when any to:

of the following first occurs: (a) Direct physical loss or damage to (a) This policy is cancelled or ex- your outdoor: pires; (i) Fences; (b) 180 days expire after you acquire (ii) Retaining walls that are not or begin to construct the property; part of a building; (c) You report values to us; or (iii) Lawns (including fairways, (d) The property is more specifically greens and tees), artificial turf

insured. (including underlayment)

We will charge you additional pre- trees, shrubs and plants

mium for values reported from the (other than "stock" of trees,

date construction begins or you ac- shrubs or plants);

quire the property. (iv) Bridges, walks, roadways,

m. Non-Owned Detached Trailers patios or other paved surfaces; (1) You may extend the insurance that

applies to Your Business Personal at the described premises caused

Property to apply to direct physical by or resulting from a cause of

loss or damage by a Covered Cause loss described in (2) below;

of Loss to trailers or semi-trailers that and

you do not own, provided that: (b) The reasonable and necessary (a) The trailer or semi-trailer is used expense that you incur to remove

in your business; debris of your outdoor property

(b) The trailer or semi-trailer is in listed above and similar property

your care, custody or control at of others at your described premthe described premises; and ises caused by a Cause of Loss

listed in (2) below that occurs

(c) You have a contractual responsiduring the policy period. Such bility to pay for loss or damage to

expenses will be paid only if they the trailer or semi-trailer.

are reported to us in writing within (2) We will not pay for any loss or dam- 180 days of the direct physical age that occurs: loss or damage. Such payment

(a) While the trailer or semi-trailer is will not increase the Limit of Inattached to any motor vehicle or

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Travelers Doc Mgmt 40 of 274
surance that applies to this Ex- (3) Our payment for loss or damage untension. der this Extension will only be for the

account of the owner of the property. (2) This Extension applies only if the loss

or damage is caused by or results q. Personal Property At Premises Outfrom the following causes of loss, and side of the Coverage Territory

then only if they are a Covered (1) You may extend the insurance that

Cause of Loss: applies to Your Business Personal

(a) Fire; Property and Personal Property of

Others to apply to direct physical loss (b) Lightning;

or damage by a Covered Cause of (c) Explosion; Loss to such property occurring at

(d) Riot or Civil Commotion; premises anywhere in the world outside of the Coverage Territory pro- (e) Aircraft; vided that no trade sanction, em-

(f) Falling Objects; or bargo or similar regulation imposed

(g) "Sinkhole Collapse". by the United States of America prohibits us from covering the loss or (3) The most we will pay for loss or dam- damage. age and debris removal expense in

any one occurrence under (2) This Extension does not apply to: this Extension is $25,000, but we will not (a) Personal property at an "exhibipay more than $2,500 for any one tion";

tree, shrub or plant. (b) Property at any installation site or

o. Outside Signs at temporary storage premises

(1) You may extend the insurance pro- awaiting installation;

vided by this Coverage Form to apply (c) Sales representative property; or

to direct physical loss or damage by a (d) Personal property in transit. Covered Cause of Loss to outside

signs, whether or not attached to a (3) The most we will pay for loss or dambuilding, at or within 1,000 feet of the age in any one occurrence under this

described premises or at any unde- Extension is $50,000.

scribed premises. r. Personal Property In Transit Outside

(2) The most we will pay in any one oc- of the Coverage Territory

currence under this Extension for loss (1) Unless otherwise indicated in the

or damage to all outside signs: Declarations or by endorsement, you

(a) At or within 1,000 feet of the de- may extend the insurance provided

scribed premises is $100,000; for Personal Property in Transit in

Section A.1.e. (including any mode of (b) At all undescribed premises is

transportation or type of shipment ex- $5,000. clusion), to apply to Your Business

p. Personal Effects Personal Property and Personal

(1) You may extend the insurance that Property of Others in your care, cusapplies to Your Business Personal tody or control in transit anywhere in

Property to apply to direct physical the world outside of the Coverage

loss or damage by a Covered Cause Territory provided that no sanction,

of Loss to personal effects or "fine embargo or similar regulation imarts'' owned by your officers, your posed by the United States of Amerpartners or your employees while ica prohibits us from covering the loss

such property is at the described or damage.

premises. (2) This Extension also applies to Cov-

(2) The most we will pay for loss or dam- ered Property in transit which is in the

age in any one occurrence under this custody of your officers or employExtension is $25,000 at each de- ees.

scribed premises.

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Travelers Doc Mgmt 41 of 274
(3) The most we will pay for loss or dam- u. Valuable Papers and Records – Cost

age in any one occurrence under this of Research

Extension is $25,000. (1) You may extend the insurance that

s. Theft Damage to Rented Property applies to Your Business Personal

Property to apply to your costs to re- (1) You may extend the insurance that search, replace or restore the lost in- applies to Your Business Personal formation on lost or damaged "valuProperty to apply to direct physical able papers and records" for which

loss or damage by theft or attempted duplicates do not exist. The loss or

theft to: damage to "valuable papers and re-

(a) That part of any building at the cords" must be caused by a Covered

described premises Cause of Loss. that you occupy, but do not own, and which (2) The most we will pay for loss or damcontains the Covered Property; age in any one occurrence under this

and Extension:

(b) Property within such non-owned (a) At or within 1,000 feet of the debuilding used for maintenance or scribed premises is $50,000; and

service of the non-owned build- (b) While in transit or at all undeing. scribed premises is $25,000.

(2) This Extension applies only if you are B. COVERED CAUSES OF LOSS

a tenant and are required in your Covered Causes of Loss means RISKS OF DI- lease to cover the expense. RECT PHYSICAL LOSS unless the loss is:

(3) We will not be liable under this Ex- 1. Excluded in Section C., Exclusions;

tension for loss or damage by fire or

2. Limited in Section D., Limitations; or explosion, or to glass (other than

glass building blocks) or to any letter- 3. Excluded or limited in the Declarations or by

ing, ornamentation or burglar alarm endorsement.

tape on glass. C. EXCLUSIONS

(4) Payment under this Extension will not 1. We will not pay for loss or damage caused diincrease the Limit of Insurance that rectly or indirectly by any of the following.

applies to Your Business Personal Such loss or damage is excluded regardless

Property at the described premises of any other cause or event that contributes

where the direct physical loss or concurrently or in any sequence to the loss or

damage occurs. damage. Exclusions C.1.a. through C.1.l. apply whether or not the loss event results in t. Undamaged Parts of Stock in Process widespread damage or affects a substantial

(1) You may extend the insurance that area.

applies to Your Business Personal a. Certain Computer-Related Losses Property and Personal Property of

Others (1) Failure, malfunction or inadequacy of: to apply to the reduction in

value of undamaged parts of covered (a) Any of the following, whether beproducts or "stock" in process which longing to any insured or to othbecome unmarketable. The reduction ers:

in value must be the direct result of (i) Computer hardware, includdirect physical loss or damage by a ing microprocessors;

Covered Cause of Loss to other parts (ii) Computer application soft- of the covered products or "stock" in

ware; process at the described premises. (iii) Computer operating systems (2) The most we will pay for loss or dam- and related software; age in any one occurrence under this

Extension is $50,000. (iv) Computer networks;

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Travelers Doc Mgmt 42 of 274
(v) Microprocessors (computer including soil conditions which

chips) not part of any com- cause settling, cracking or other

puter system; or disarrangement of foundations or

other parts of realty. Soil condi- (vi) Any other computerized or

tions include contraction, expan- electronic equipment or comsion, freezing, thawing, erosion, ponents;

improperly compacted soil and

or the action of water under the

(b) Any other products and services, ground surface; or

data or functions, that directly or (e) Volcanic eruption, explosion or

indirectly use or rely upon, in any effusion.

manner, any of the items listed in (2) If Earth Movement as described in: Paragraph (1)(a) above;

(a) Paragraphs (1)(a) through (1)(d) due to the inability to correctly recog- above results in fire or explosion, nize, process, distinguish, interpret or

we will pay for the loss or dam- accept one or more dates or times.

age caused by that fire or explo- (2) Any advice, consultation, design, sion; or evaluation, inspection, installation, (b) Paragraph (1)(e) above, results in maintenance, repair, replacement or

fire, building glass breakage or supervision provided or done by you Volcanic Action, we will pay for to determine, rectify or test for, any

the loss or damage caused by potential or actual problems dethat fire, building glass breakage scribed in Paragraph (1) above.

or Volcanic Action.

If an excluded Cause of Loss as deVolcanic Action means direct loss scribed in Paragraphs (1) and (2) above

or damage resulting from the results in any of the "specified causes of

eruption of a volcano when the loss", or in elevator collision resulting

loss or damage is caused by: from mechanical breakdown, we will pay

only for the loss or damage caused by (i) Airborne volcanic blast or airsuch "specified causes of loss" or eleva- borne shock waves;

tor collision. (ii) Ash, dust or particulate matWe will not pay for repair, replacement or ter; or

modification of any items in Paragraphs

(iii) Lava flow. (1) and (2) above to correct any deficienWith respect to coverage for Vol- cies or change in features. canic Action as set forth in (i), (ii) b. Earth Movement and (iii) above, volcanic erup-

(1) Any of the following, all whether natu- tions that occur within any 168-

rally occurring or due to man-made or hour period will constitute a sinother artificial causes: gle occurrence. Volcanic Action

does not include the cost to re- (a) Earthquake, including tremors

move ash, dust or particulate and aftershocks, and earth sinkmatter that does not cause direct ing, rising or shifting related to

physical loss or damage to the such event; described property. (b) Landslide, including any earth (3) This exclusion does not apply to: sinking, rising or shifting related

to such event; (a) Personal property in transit;

(c) Mine subsidence, meaning sub- (b) Personal property at an "exhibisidence of a man-made mine, tion";

whether or not mining activity has (c) Sales representative property; or ceased; (d) Personal property in the custody (d) Earth sinking (other than "sink- of any officer or employee of the hole collapse"), rising, or shifting

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Travelers Doc Mgmt 43 of 274
insured while traveling outside of h. Ordinance or Law

the Coverage Territory. (1) The enforcement of any ordinance or

c. Fungus, Wet Rot or Dry Rot law:

Presence, growth, proliferation, spread or (a) Regulating the construction, use

any activity of or repair of any property; or "fungus", wet rot or dry rot.

But if (b) Requiring the tearing down of any "fungus", wet rot or dry rot results in

property, including the cost of any of the "specified causes of loss", we

removing its debris. will pay for the loss or damage caused by

such "specified causes of loss". (2) This exclusion, Ordinance or Law,

applies whether the loss results from: This exclusion does not apply:

(a) An ordinance or law that is en- (1) When "fungus", wet rot or dry rot re- forced even if the property has sults from fire or lightning; or not been damaged; or

(2) To the extent that coverage is pro- (b) The increased costs incurred to

vided under the Limited Coverage for comply with an ordinance or law

Fungus, Wet Rot or Dry Rot Addi- in the course of construction, retional Coverage. pair, renovation, remodeling or

d. Governmental Action demolition of property, or removal

of its debris, following a physical Seizure or destruction of property by or- loss to that property. der of governmental authority except as

provided for under the Additional Cover- i. Utility Services

age – Ordinance or Law Coverage. The failure or fluctuation of power, communication, water or other utility service But we will pay for loss or damage

supplied to the described premises, how- caused by or resulting from acts of deever caused, if the failure or fluctuation: struction ordered by governmental authority and taken at the time of a fire to (1) Originates away from the described

prevent its spread, if the fire would be premises; or

covered under this Coverage Part. (2) Originates at the described premises,

e. Intentional Loss but only if such failure or fluctuation

involves equipment used to supply Any act an insured commits or conspires the utility service to the described

to commit with the intent to cause a loss. premises from a source away from

In the event of such loss, no insured is the described premises.

entitled to coverage, including insureds Failure or fluctuation of any utility service

who did not commit or conspire to commit includes lack of sufficient capacity and

the act causing the loss. reduction in supply.

f. Neglect But if the failure or fluctuation of power,

Neglect communication, water or other utility ser- of an insured to use reasonable

means vice results in a Covered Cause of Loss, to save and preserve property

we will pay for the loss or damage caused from further damage at and after the time

by that Covered Cause or Loss. of loss.

Communication services include service g. Nuclear Hazard relating to Internet access or access to

Nuclear reaction or radiation, or radioac- any electronic, cellular or satellite nettive contamination, however caused. work.

But if nuclear reaction or radiation, or ra- j. Virus or Bacteria

dioactive contamination results in fire, we (1) Any virus, bacterium, or other microwill pay for the loss or damage caused by organism that induces or is capable

that fire. of inducing physical distress, illness

or disease.

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Travelers Doc Mgmt 44 of 274
(2) With respect to any loss or damage (e) Waterborne material carried or

subject to this exclusion, this exclu- otherwise moved by any of the

sion supersedes any exclusion relat- water referred to in Paragraphs

ing to "pollutants". (a), (c) and (d) above, or material

carried or otherwise moved by k. War and Military Action mudslide or mudflow. (1) War, including undeclared or civil

But if Water, as described in (a) war;

through (e) above, results in fire, ex- (2) Warlike action by a military force, in- plosion or sprinkler leakage, we will

cluding action in hindering or defend- pay for the loss or damage caused by

ing against an actual or expected at- that fire, explosion or sprinkler leaktack, by any government, sovereign age.

or other authority using military per- (2) This exclusion does not apply to: sonnel or other agents; or

(a) Personal property in transit; (3) Insurrection, rebellion, revolution,

usurped power, or action taken by (b) Personal property at an "exhibigovernmental authority in hindering tion";

or defending against any of these. (c) Sales representative property; or

l. Water (d) Personal property in the custody

(1) Any of the following, all whether natu- of any officer or employee of the

rally occurring or due to man-made or insured while traveling outside of

other artificial causes: the Coverage Territory.

(a) Flood, surface water, waves (in- 2. We will not pay for loss or damage caused by

cluding tidal wave and tsunami), or resulting from any of the following:

tides, tidal water, overflow of any a. Collapse

body of water, or spray from any

(1) Collapse, including any of the follow- of these, all whether driven by

wind ing conditions of property or any por- (including storm surge) or

not; tion of the property:

(b) Mudslide or mudflow; (a) An abrupt falling down or caving

in; (c) Water or sewage that backs up or

overflows or is otherwise dis- (b) Loss of structural integrity, includcharged from a sewer, drain, ing separation of portions of the

sump, sump pump or related property or property in danger of

equipment. However, this exclu- falling down or caving in; or

sion does not apply to the backup (c) Any cracking, bulging, sagging, or overflow of water or sewage bending, leaning, settling, shrink- from drains within a building if the

age, or expansion as such condi- backup or overflow is not othertion relates to Paragraphs (a) or wise directly or indirectly caused (b) above. by the Water Exclusions in Paragraphs (a) or (b) above or in But if collapse results in a Covered

Paragraphs (d) or (e) below. Cause of Loss at the described premises, we will pay for the loss or dam- (d) Water under the ground surface

pressing on, or flowing or seeping age caused by that Covered Cause

of Loss. through:

(i) Foundations, walls, floors or (2) This Exclusion does not apply:

paved surfaces; (a) To an abrupt collapse to the ex-

(ii) Basements, whether paved tent that coverage is provided

or not; or under the Abrupt Collapse Additional Coverage in (3) below; or (iii) Doors, windows or other

openings; or

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Travelers Doc Mgmt 45 of 274
(b) To collapse of Covered Property (iv) Use of defective material or

caused by one or more of the fol- methods of construction, relowing: modeling or renovation if the

abrupt collapse occurs after (i) Any of the "specified causes

the construction, remodeling, of loss" or breakage of buildor renovation is complete, but ing glass, all only as insured

only if the collapse is caused against in this Coverage Part;

in part by: (ii) Weight of rain that collects on

a roof; or • A cause of loss listed in

Paragraphs (3)(b)(i) or (iii) Weight of people or personal (3)(b)(ii) above; property. • One or more of the (3) Abrupt Collapse Additional Coverage

"specified causes of

The term Covered Cause of Loss in- loss"; cludes abrupt collapse as described

and limited under Paragraphs (a) • Breakage of building

through (g) below. glass;

(a) As used in this Additional Cover- • Weight of people or

age, abrupt collapse means property; or

abrupt falling down or caving in of • Weight of rain that cola building or any portion of a

lects on a roof. building with the result that the

(c) Abrupt collapse under Para- building or portion of the building

graphs (3)(a) and (b) above does cannot be occupied for its innot apply to: tended purpose.

(i) A building or any portion of a

(b) We will pay for direct physical building that is in danger of loss of or damage to Covered falling down or caving in; Property, caused by abrupt collapse of a building or any portion (ii) A portion of a building that is

of a building standing, even if it has sepa- that is insured under

rated from another portion of this Coverage Form, or that conthe building; or tains Covered Property insured

under this Coverage Form, if (iii) A building that is standing or

such collapse is caused by one any portion of a building that

or more of the following: is standing, even if it shows

evidence of cracking, bulging, (i) Building decay that is hidden sagging, bending, leaning, from view, unless the pres- settling, shrinkage or expan- ence of such decay is known sion.

to an insured prior to col-

(d) With respect to the following lapse; property: (ii) Insect or vermin damage that (i) Television and radio towers, is hidden from view, unless

antennas, satellite dishes, the presence of such damguy wires, lead-in wiring and

age is known to an insured masts; prior to collapse; (ii) Awnings, canopies, gutters, (iii) Use of defective material or downspouts and fences; methods in construction, remodeling (iii) Yard fixtures; or renovation if the

abrupt collapse occurs during (iv) Outdoor swimming pools;

the course of the construc- (v) Bulkheads, pilings, piers,

tion, remodeling or renova- wharves and docks;

tion;

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Travelers Doc Mgmt 46 of 274
(vi) Beach or diving platforms or (g) This Abrupt Collapse Additional

appurtenances; Coverage will not increase the

Limits of Insurance provided in (vii) Retaining walls;

this Coverage Part. (viii)Underground pipes, flues or b. Consequential Loss drains; and

(1) Delay, loss of use or loss of market; (ix) Walkways, roadways and

or other paved surfaces;

(2) Loss of business income or extra ex- if abrupt collapse is caused by a

pense except as specifically provided Cause of Loss listed in Parain this Coverage Part. graphs (3)(b)(i) through (3)(b)(iv)

above, we will pay for loss or c. Dishonesty

damage to that property only if: Dishonest or criminal act by you, any of

(i) Such loss or damage is a di- your partners, members, officers, managrect result of the abrupt col- ers, employees (including leased emlapse of a building or any por- ployees), directors, trustees, authorized

tion of a building insured un- representatives or anyone to whom you

der this Coverage Form; and entrust the property for any purpose:

(ii) The property is Covered (1) Acting alone or in collusion with othProperty under this Coverage ers; or

Form. (2) Whether or not occurring during the

(e) If personal property abruptly falls hours of employment.

down or caves in and such col- This exclusion does not apply to acts of

lapse is not the result of abrupt destruction by your employees (including

collapse of a building or any por- leased employees), but theft by employtion of a building, we will pay for ees is not covered.

loss or damage to Covered Prop- This exclusion does not apply to carriers erty caused by such collapse of

for hire. personal property only if:

d. Electrical Damage or Disturbance (i) The collapse of personal

property was caused by a Artificially generated electrical, magnetic

Cause of Loss listed in Para- or electromagnetic energy that damages,

graphs (3)(b)(i) through disturbs or otherwise interferes with any:

(3)(b)(iv) above; (1) Electrical or electronic wire, device,

(ii) The personal property which appliance, system or network; or

collapses is inside a building; (2) Device, appliance, system or network

and utilizing cellular or satellite technol-

(iii) The personal property which ogy.

collapses is not of a kind Electrical, magnetic or electromagnetic listed in Paragraph (3)(d) energy includes: above, regardless of whether

(1) Electrical current, including arcing; that kind of property is considered to be personal prop- (2) Electrical charge produced or conerty or real property. ducted by a magnetic or electromagnetic field; (f) This Abrupt Collapse Additional

Coverage does not apply to per- (3) Pulse of electromagnetic energy;

sonal property that has not (4) Electromagnetic waves or micro- abruptly fallen down or caved in, waves.

even if the personal property

shows evidence of cracking, But if fire results, we will pay for the loss

bulging, sagging, bending, or damage caused by that fire. leaning, settling, shrinkage or expan- This Exclusion does not apply to loss or

sion. damage to "electronic data processing

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Travelers Doc Mgmt 47 of 274
equipment" or "electronic data processing (5) Nesting or infestation or discharge or

data and media". release of waste products or secretions, by insects, birds, rodents or e. Explosion

other animals; Explosion of steam boilers, steam gen- (6) Mechanical breakdown, including erators, steam pipes, steam engines or

rupture or bursting caused by cen- steam turbines owned or leased by you,

trifugal force. But if mechanical or operated under your control. breakdown results in elevator colliBut if explosion of steam boilers, steam sion, we will pay for the loss or damgenerators, steam pipes, steam engines, age caused by that elevator collision.

or steam turbines results in fire or comThis Exclusion does not apply to loss bustion explosion, we will pay for the loss

or damage to "electronic data proc- or damage caused by that fire or combusessing equipment" or "electronic data tion explosion. We will also pay for loss or

processing data and media"; damage caused by or resulting from the

explosion of gases or fuel within the fur- (7) The following causes of loss to pernace of any fired vessel or within the flues sonal property:

or passages through which the gases of (a) Dampness or dryness of atmoscombustion pass. phere;

f. Exposed Property (b) Changes in or extremes of temRain, snow, sand, dust, ice or sleet to perature;

personal property in the open (other than (c) Changes in flavor, color, texture

to property in the custody of a carrier for or finish; hire). (d) Contamination by other than "pol- g. Freezing lutants"; and

Water, other liquids, powder or molten (e) Marring or scratching. material that leaks or flows from plumb- But if an excluded cause of loss that is ing, heating, air conditioning, ventilation

listed in Paragraphs (1) through (7) above or other equipment (except fire protective

results in any of the "specified causes of systems) caused by or resulting from

loss" or building glass breakage, we will freezing, unless:

pay for the loss or damage caused by (1) You do your best to maintain heat in such "specified causes of loss" or building

the building or structure; or glass breakage.

(2) You drain the equipment and shut off Also, if an excluded cause of loss listed in

the supply if the heat is not main- Paragraphs (1) through (5) or (7) above

tained. results in mechanical breakdown of "elech. Liquid Seepage or Leakage tronic data processing equipment", we

will pay for the loss or damage caused by Continuous or repeated seepage or leakthat mechanical breakdown of "electronic age of water or other liquid, or the pres- data processing equipment". ence or condensation of humidity, moisture or vapor that occurs over a period of j. Pollution

14 days or more. Discharge, dispersal, seepage, migration,

i. Other Types of Losses release or escape of "pollutants" unless

the discharge, dispersal, seepage, migra- (1) Wear and tear;

tion, release or escape is itself caused by (2) Rust, or other corrosion, decay, dete- any of the "specified causes of loss". But

rioration, hidden or latent defect or if the discharge, dispersal, seepage, miany quality in property that causes it gration, release or escape of "pollutants"

to damage or destroy itself; results in any of the "specified causes of

(3) Smog; loss", we will pay for the loss or damage

caused by such "specified causes of (4) Settling, cracking, shrinking, bulging

loss". or expansion;

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Travelers Doc Mgmt 48 of 274
k. Smoke, Vapor or Gas (1) Any cost of:

Smoke, vapor or gas from agricultural (a) Correcting or making good the

smudging or industrial operations. fault, inadequacy or defect itself;

or This exclusion does not apply to emissions or puff backs of smoke, soot, fumes (b) Tearing down, tearing out, repairor vapors from a boiler, furnace or related ing or replacing any part of any

equipment. property to correct the fault, inadequacy or defect; l. Voluntary Parting

except as specifically provided under Voluntary parting with any property by

the Water or Other Substance Loss –

you or anyone else to whom you have en- Tear Out and Replacement Expense trusted the property. Additional Coverage; or This Exclusion does not apply to insur- (2) Any resulting loss or damage by a

ance provided under this Coverage Form

Covered Cause of Loss to the prop- for personal property in transit if the loss

erty that has the fault, inadequacy or to Covered Property is caused by your defect until the fault inadequacy or acceptance, in good faith, of false bills of

defect is corrected. lading or shipping receipts.

4. Special Exclusions 3. We will not pay for loss or damage caused by

or resulting from any of the following, 3.a. The following exclusions apply only with rethrough 3.c., but if an excluded cause of loss spect to the specified coverage or property.

that is listed in 3.a. and 3.b. below results in a a. Accounts Receivable

Covered Cause of Loss, we will pay for the

Under the Accounts Receivable Cover- loss or damage caused by that Covered

age Extension, we will not pay for: Cause of Loss.

(1) Loss or damage caused by or result- a. Weather conditions. But this exclusion

ing from bookkeeping, accounting or only applies if weather conditions contribbilling errors or omissions; ute in any way with a cause or event excluded in C.1. above to produce the loss (2) Any loss or damage that requires an

or damage. audit of records or an inventory comb. Acts putation to prove its factual existence; or decisions, including the failure to

or act or decide, of any person, group, organization or governmental body except (3) Loss or damage caused by or resultas provided in the Additional Coverage – ing from alteration, falsification, conOrdinance or Law Coverage. cealment or destruction of records of

accounts receivable done to conceal c. Faulty, inadequate or defective: wrongful giving, taking or withholding (1) Planning, zoning, development, sur- of money, securities or other prop- veying, siting; erty. But this exclusion only applies to

(2) Design, specifications, workmanship, the wrongful giving, taking or withrepair, construction, renovation, re- holding.

modeling, grading, compaction; b. Valuable Papers and Records

(3) Materials used in repair, construction, We will not pay for any loss of or damage

renovation or remodeling; or to "valuable papers and records" caused

(4) Maintenance; by or resulting from the following. In addition, we will not pay for any loss that is a

of part or all of any property on or off the

consequence of such loss or damage. described premises.

(1) Unauthorized viewing, copying or use If an excluded cause of loss that is listed

of electronic data (or any proprietary in 3.c. above results in a Covered Cause

or confidential information or intellec- of Loss, we will pay for the resulting loss

tual property in any form) by any per- or damage caused by that Covered

son, even if such activity is character- Cause of Loss. But we will not pay for:

ized as theft;

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Travelers Doc Mgmt 49 of 274
(2) Errors or omissions in processing or connected or on which your syscopying. But if errors or omissions in tem depends (including the elecprocessing or copying results in fire tronic data in such system or

or explosion, we will pay for the re- network) results in any of the

sulting loss or damage caused by "specified causes of loss" or rethat fire or explosion; or sults in mechanical breakdown of

"electronic data processing (3) Unauthorized instructions to transfer

equipment", we will pay for the property to any person or place.

loss or damage caused by that

c. Electronic Data Processing Equipment "specified cause of loss" or meand Electronic Data Processing Data chanical breakdown of "electronic and Media data processing equipment"; or

(1) We will not pay for loss of or damage (d) Unexplained or indeterminable

to "electronic data processing equip- failure, malfunction or slowdown

ment", any other programmable elec- of any electronic data processing

tronic machines, "electronic data system or network, including the

processing data and media" or other electronic data in such system or

electronic data caused by or resulting network, and the inability to acfrom the following. In addition, we will cess or properly manipulate the

not pay for any loss that is a conse- electronic data.

quence of such loss or damage. (2) We will not pay for loss of or damage

(a) Programming errors, omissions to "electronic data processing data

or incorrect instructions to a ma- and media" or other electronic data

chine. But if programming errors, while being sent electronically. In adomissions or incorrect instruc- dition, we will not pay for any loss

tions to a machine result in any of that is a consequence of such loss or

the "specified causes of loss" or damage. result in mechanical breakdown 5. Additional Exclusion of "electronic data processing

equipment", we will pay for the The following exclusion applies only to

loss or damage caused by that loss or damage to the specified property

"specified cause of loss" or me- and to loss that is a consequence of such

chanical breakdown of "electronic loss or damage to the specified property.

data processing equipment"; Loss or Damage to Products

(b) Unauthorized viewing, copying or We will not pay for loss of or damage to

use of "electronic data processing any merchandise, goods or other product data and media" by any person, caused by or resulting from error or omiseven if such activity is character- sion by any person or entity (including

ized as theft; those having possession under an ar-

(c) Errors or deficiency in design, in- rangement where work or a portion of the

stallation, maintenance, repair or work is outsourced) in any stage of the

modification of your electronic development, production or use of the

data processing system or any product, including planning, testing, procelectronic data processing sys- essing, packaging, installation, maintetem or network to which your sys- nance or repair. This exclusion applies to

tem is connected or on which any effect that compromises the form,

your system depends (including substance, or quality of the product. But,

the electronic data in such sys- if such error or omission results in a Covtem or network). But if errors or ered Cause of Loss, we will pay for the

deficiency in design, installation, loss or damage caused by that Covered

maintenance, repair or modifica- Cause of Loss.

tion of your electronic data proc- D. LIMITATIONS

essing system or any electronic

The following limitations apply to all coverage data processing system or network forms and endorsements unless otherwise stated. to which your system is

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Travelers Doc Mgmt 50 of 274
1. We will not pay for loss of or damage to prop- 2. The special limit shown for each category, a.

erty, as described and limited in this section. through c., is the total limit for loss of or damIn addition, we will not pay for any loss that is age to all property in each category. The spea consequence of loss or damage as de- cial limit applies to any one occurrence of

scribed and limited in this section. theft, regardless of the types or number of ara. Steam boilers, steam pipes, steam en- ticles that are lost or damaged in that occurgines or steam turbines caused by or re- rence. The special limits are:

sulting from any condition or event inside a. $25,000 for furs, fur garments and gar- such equipment. But we will pay for loss ments trimmed with fur.

of or damage to such equipment caused

by or resulting from an explosion of gases b. $25,000 for jewelry, watches, watch

or fuel within the furnace of any fired ves- movements, jewels, pearls, precious and

sel or within semi-precious stones, bullion, gold, silver, the flues or passages

through which the gases of combustion platinum and other precious alloys or

pass. metals, but;

b. Hot water boilers or other water heating (1) This limit is increased to $50,000 for

equipment caused by or resulting from gold, silver, platinum, and other preany condition or event inside such boilers cious alloys or metals used as a raw

or equipment, other than an explosion. material in your manufacturing procc. The "interior of a building or structure", or ess; and

to personal property in the building or (2) This limit does not apply to jewelry

structure, caused by or resulting from and watches worth $100 or less per

rain, snow, sleet, ice, sand or dust, item.

whether driven by wind or not, unless:

c. $5,000 for stamps, tickets (including lot- (1) The building or structure first sustains tery tickets held for sale) and letters of damage by a Covered Cause of Loss

credit.

to its roof or walls through which the

rain, snow, sleet, ice, sand or dust These special limits are part of, not in addition

enters; or to, the Limit of Insurance applicable to the

Covered Property. (2) The loss or damage is caused by or

results from thawing of snow, sleet or 3. If the building where loss or damage occurs

ice on the building or structure. has been "vacant" for a period of more than

d. Property 60 consecutive days before that loss or dam- that is missing, where the only

age occurs: evidence of the loss or damage is a

shortage disclosed on taking inventory, or a. We will not pay for any loss or damage

other instances where there is no physi- caused by any of the following even if

cal evidence to show what happened to they are Covered Causes of Loss:

the property. (1) Vandalism;

This limitation does not apply to property (2) Sprinkler leakage, unless you have in the custody of a carrier for hire.

protected the system against freeze. Property that has been transferred to a

ing; person or place outside the described

(3) Building glass breakage; premises on the basis of unauthorized instructions. (4) Water damage;

f. Trees, shrubs, plants or lawns on a vege- (5) Theft; or

tative roof or "stock" of outdoor trees, (6) Attempted theft. shrubs and plants caused by or resulting

from: b. With respect to Covered Causes of Loss

other than those listed in a.(1) through (1) Dampness or dryness of atmosphere; a.(6) above, we will reduce the amount

(2) Changes in or extremes of tempera- we would otherwise pay for the loss or

ture; or damage by 15%.

(3) Rain, snow, sand, dust, ice or sleet.

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Travelers Doc Mgmt 51 of 274
E. LIMITS OF INSURANCE amounts applied in that occurrence will not exceed the amount of the largest applicable de- The most we will pay for loss or damage in any ductible. one occurrence is the applicable Limit of Insurance shown in the Declarations, Schedules, Cov- G. LOSS CONDITIONS

erage Form(s), or Endorsement(s). The following conditions apply in addition to the

Payments under: Common Policy Conditions – Deluxe:

1. The following Additional Coverages: 1. Abandonment

a. Fire Department Service Charge; There can be no abandonment of any property to us. b. Fire Protective Equipment Discharge;

2. Appraisal c. Limited Coverage for Fungus, Wet Rot or

Dry Rot; If we and you disagree on the value of the

property or the amount of loss, either may d. Stored Water; and make written demand for an appraisal of the

e. Water or Other Substance Loss – Tear loss. In this event, each party will select a

Out and Replacement Expense; competent and impartial appraiser. The two

and appraisers will select an umpire. If they cannot agree, either may request that selection 2. The following Coverage Extensions: be made by a judge of a court having jurisdica. Covered Leasehold Interest – Undam- tion. The appraisers will state separately the

aged Improvements and Betterments; value of the property and amount of loss. If

and they fail to agree, they will submit their differb. Theft Damage To Rented Property; ences to the umpire. A decision agreed to by

any two will be binding. Each party will: are included in and do not increase the applicable

Limits of Insurance. a. Pay its chosen appraiser; and

Payments under the Debris Removal Additional b. Bear the other expenses of the appraisal

Coverage and the Preservation of Property Addi- and umpire equally.

tional Coverage are included in the applicable If there is an appraisal, we will still retain our

Covered Property Limit(s) of Insurance and/or are right to deny the claim. additional insurance, as described in the Debris 3. Duties in the Event of Loss or Damage Removal Additional Coverage in Section A.3.a.

and the Preservation of Property Additional Cov- a. You must see that the following are done

erage in Section A.3.j. in the event of loss of or damage to Covered Property: Payments under the Electronic Data Processing

Data and Media Coverage Extension are included (1) Notify the police if a law may have

in the applicable Covered Property Limit(s) of In- been broken.

surance and/or are additional insurance, as de- (2) Give us prompt notice of the loss or

scribed in the Electronic Data Processing Data damage. Include a description of the

and Media Coverage Extension in Section A.4.g. property involved.

The remaining Additional Coverages in Section (3) As soon as possible, give us a deA.3. and the remaining Coverage Extensions in scription of how, when, and where

Section A.4. are additional insurance. the loss or damage occurred.

F. DEDUCTIBLE (4) Take all reasonable steps to protect

We will not pay for loss or damage in any one the Covered Property from further

occurrence until the amount of loss or damage damage, and keep a record of your

exceeds the applicable Deductible shown in the expenses necessary to protect the

Declarations. We will then pay the amount of loss Covered Property, for consideration

or damage in excess of the applicable Deductible, in the settlement of the claim. This

up to the applicable Limit of Insurance. will not increase the Limit of Insurance. However, we will not pay for Unless otherwise stated, if more than one deany loss or damage resulting from a

ductible amount applies to loss or damage in any

cause of loss that is not a Covered one occurrence, the total of the deductible Cause of Loss. Also, if feasible, set

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Travelers Doc Mgmt 52 of 274
the damaged property aside and in (4) Repair, rebuild, or replace the propthe best possible order for examina- erty with other property of like kind

tion. and quality subject to b., c., d. and e.

below. (5) At our request, give us complete inventories of the damaged and un- b. A party wall is a wall that separates and is

damaged property. Include quantities, common to adjoining buildings that are

costs, values and amount of loss owned by different parties. In settling

claimed. covered losses involving a party wall, we

(6) As often as may be reasonably re- will pay a proportion of the loss to the

quired, permit us to inspect the prop- party wall based on your interest in the

erty and records proving the loss or wall in proportion to the interest of the

damage and examine your books and owner of the adjoining building. However,

records. if you elect to repair or replace your buildAlso ing and the owner of the adjoining build- permit us to take samples of

damaged and undamaged property ing elects not to repair or replace that

building, we will pay you the full value of for inspection, testing and analysis

and permit us the loss to the party wall, subject to all to make copies from

your books and records. applicable Coverage Part provisions including Limits of Insurance, the Valuation (7) Send us a signed, sworn proof of loss Loss Condition and all other provisions of containing the information we request

this Loss Payment Loss Condition. Our to investigate the claim. You must do

payment under the provisions of this this within 60 days after our request.

We will paragraph does not alter any right of sub- supply you with the necessary forms. rogation we may have against any entity,

including the owner or insurer of the ad- (8) Cooperate with us in the investigation joining building, and does not alter the or settlement of the claim. terms of the Additional Condition – Trans-

(9) You will not, except at your own cost, fer of Rights of Recovery Against Others

voluntarily make a payment, assume To Us in this Coverage Form.

any obligation, or incur any expense

without c. Except as provided in the Additional Cov- our consent except as respects to protecting property from fur- erage - Ordinance or Law Coverage, the

cost to repair, rebuild or replace does not ther damage.

include the increased cost attributable to b. enforcement of any ordinance or law while not in the presence of any other in- regulating the construction, use or repair sured and at such times as may be rea- of any property. sonably required, about any matter relating to this insurance or the claim, includ- d. The following loss payment provisions are

ing an insured's books and records. In the subject to the apportionment procedures

event of an examination, an insured's an- set forth in Additional Coverage – Ordiswers must be signed. nance or Law Coverage:

4. Loss Payment The most we will pay, for the total of all

a. In the event of loss or damage covered covered losses in any one occurrence

by this Coverage Form, at our option, we under Coverage A – Coverage For Loss

will either: To The Undamaged Portion of the Building, Coverage B – Demolition Cost Cov- (1) Pay the value of lost or damaged

erage and Coverage C – Increased Cost property; of Construction Coverage, is the Com- (2) Pay the cost of repairing or replacing bined Limit of Insurance shown in the the lost or damaged property subject Declarations for Ordinance or Law Cov- to b., c., d. and e. below;

erage. Subject to this Combined Limit of

(3) Take all or any part of the property at Insurance, the following loss payment an agreed or appraised value; or provisions apply:

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We may examine any insured under oath,

Travelers Doc Mgmt 53 of 274
(1) For a loss in value of an undamaged Additional Coverage – Ordinance

portion of a building to which Cover- or Law Coverage;

age A applies, the loss payment for whichever is less.

that undamaged portion of the build- (3) Loss payment under Coverage C will ing will be determined as follows: be determined as follows: (a) If Replacement Cost Coverage

(a) We will not pay under Coverage applies and the property is being C: repaired or replaced, on the

same or another location, we will (i) Until the property is actually

not pay more than the lesser of: repaired or replaced, at the

same or another location; (i) The cost to repair, rebuild or

and reconstruct the undamaged

portion of the building that (ii) Unless the repairs or rewas necessarily demolished placement are made as soon

as a consequence of the or- as reasonably possible after

dinance or law but not for the loss or damage, not to

more than the amount it exceed two years. We may

would cost to restore that un- extend this period in writing

damaged portion of the build- during the two years.

ing on the same location and (b) If the building is repaired or reto the same height, floor placed at the same location, or if

area, style and comparable you elect to rebuild at another lo- quality of the original property cation, the most we will pay uninsured; or der Coverage C is the lesser of:

(ii) The Combined Limit of Insur- (i) The increased cost of conance shown in the Declara- struction at the same locations for the Additional Cov- tion; or

erage – Ordinance or Law

Coverage. (ii) The Combined Limit of Insurance shown in the Declara- (b) If Replacement Cost Coverage tions for the Additional Cov- applies and the property is not erage – Ordinance or Law

repaired or replaced, or if Re- Coverage. placement Cost Coverage does

(c) If the ordinance or law requires not apply, we will not pay more

relocation to another location, the than the lesser of:

most we will pay under Coverage (i) The Actual Cash Value at the C is the lesser of:

time of loss of the undam-

(i) The increased cost of con- aged portion of the building

struction at the new location; that is required to be demolor ished as a consequence of

the ordinance or law; or (ii) The Combined Limit of Insurance shown in the Declara- (ii) The Combined Limit of Insurtions for the Additional Cov- ance shown in the Declarations for the Additional Cov- erage – Ordinance or Law

Coverage. erage – Ordinance or Law

Coverage. e. Except as specifically provided under the:

(2) Loss payment under Coverage B will (1) Green Building Alternatives – Inbe determined as follows: creased Cost Additional Coverage;

(a) The amount you actually spend and

to demolish and clear the site; or (2) Green Building Reengineering and

Recertification Expense Additional (b) The Combined Limit of Insurance

Coverage; shown in the Declarations for the

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Travelers Doc Mgmt 54 of 274
the cost to repair, rebuild or replace does (1) The total of a.(1) and a.(2) above;

not include any cost incurred to reattain a (2) The value of the recovered property; pre-loss level of "green building" certifica- or

tion from a "Green Authority". (3) The Limit of Insurance; f. With respect to our options listed in

whichever is less. 4.a.(1) through 4.a.(4) above, we will give

notice of our intentions within 30 days af- 6. Valuation

ter we receive the proof of loss. We will determine the value of Covered Propg. We will not pay you more than your finan- erty in the event of loss or damage as follows:

cial interest in the Covered Property. a. At replacement cost as of the time of loss

h. We may adjust losses with the owners of or damage, except as otherwise provided

lost or damaged property if other than in this Valuation Loss Condition. Reyou. If we pay the owners, such pay- placement cost is the cost to replace

ments will satisfy your claims against us Covered Property at the time of loss or

for the owner's property. We will not pay damage without deduction for depreciathe owners more than their financial in- tion.

terest in the Covered Property. (1) You may make a claim for loss or

i. We may elect to defend you against suits damage covered by this insurance on

arising from claims of owners of property. an actual cash value basis instead of

We will do this at our expense. on a replacement cost basis. In the

event you elect to have loss or dam- j. We will pay for covered loss or damage

within age settled on an actual cash value 30 days after we receive the sworn

basis, you may still make a claim on proof of loss, if:

a replacement cost basis if you notify (1) You have complied with all of the us of your intent to do so within 180

terms of this Coverage Part; and days after the loss or damage.

(2) (a) We have reached agreement with (2) We will not pay on a replacement you on the amount of loss; or cost basis for any loss or damage:

(b) An appraisal award has been (a) Until the lost or damaged prop- made. erty is actually repaired or rek. At our option, we may make a partial placed; and

payment toward any claims, subject to (b) Unless the repairs or replacethe policy provisions and our normal ad- ment are made as soon as reajustment process. To be considered for a sonably possible after the loss or

partial claim payment, you must submit a

damage. partial sworn proof of loss with supporting

Instead, we will pay on an actual documentation. Any applicable policy decash value basis. This restriction ductibles must be satisfied before any does not apply to losses less than partial payments are made. $10,000. 5. Recovered Property

(3) We will not pay more for loss or damIf either you or we recover any property after age on a replacement cost basis than

loss settlement, that party must give the other the least of (a), (b), or (c), subject to

prompt notice. At your option, the property will (4) below:

be returned to you. You must then return to (a) The Limit of Insurance applicable us the amount we paid to you for the propto the lost or damaged property; erty.

(b) The cost to replace, at the same a. We will pay: premises, the lost or damaged (1) Recovery expenses; and property with other property;

(2) Costs to repair the recovered prop- (i) Of comparable material and

erty; quality; and

b. But the amount we will pay will not exceed:

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Travelers Doc Mgmt 55 of 274
(ii) Used for the same purpose; Electronic Data Processing Data and Meor dia Coverage Extension.

(c) The amount you actually spend d. Tenant's improvements and betterments

that is necessary to repair or re- at:

place the lost or damaged prop- (1) Replacement cost of the lost or damerty. aged property if it is actually repaired

If a building is rebuilt at a different or replaced as soon as reasonably

premises, the cost described in (b) possible.

above is limited to the cost which (2) A proportion of your original cost if

would have been incurred had the you do not make repairs as soon as

building been built at the original reasonably possible. We will deterpremises. mine the proportionate value as fol-

(4) The cost to repair, rebuild, or replace lows:

does not include the increased cost (a) Multiply the original cost by the

attributable to enforcement of any or- number of days from the loss or

dinance or law regulating the con- damage to the expiration of the

struction, use or repair of any prop- lease; and

erty, except as provided in the Addi- (b) Divide the amount determined in tional Coverage - Ordinance or Law (a) above by the number of days Coverage.

from the installation of improve- b. "Electronic data processing equipment" ments to the expiration of the

will be valued at replacement cost as of lease.

the time and place of loss, in accordance

If your lease contains a renewal op- with the replacement cost provisions contion, the expiration of the renewal op- tained in this Valuation Loss Condition.

How tion period will replace the expiration ever, if replacement of "electronic

of the lease in this procedure. data processing equipment" with comparable property is impossible, the replace- (3) Nothing if others pay for repairs or

ment cost will be the cost of items that replacement.

are similar to the damaged or destroyed e. Personal property you have sold but not

equipment and intended to perform the delivered at the selling price less dissame function, but which may include counts and expenses you otherwise

technological advances. would have had.

In no event will the value determined for: f. Personal property of others at the lesser

(1) "Electronic data processing equip- of:

ment" owned by others exceed the (1) The valuation of such property if it

amount for which you are liable; or were owned by you; or

(2) "Electronic data processing equip- (2) The amount for which you are conment" that is obsolete or no longer tractually liable, not to exceed the re- used by you exceed the actual cash placement cost. value of such equipment at the time

g. "Stock" in process at the cost of raw ma- of loss.

terials and labor, plus the proper propor- c. "Electronic data processing data and me- tion of overhead charges. dia" will be valued at:

h. Finished "stock" you manufacture at: (1) The cost of blank media; and

(1) The selling price, as if no loss or (2) The cost of labor to copy the elec- damage occurred; tronic data from a duplicate of the

(2) Less discounts and expenses you electronic data, but only if the lost

electronic data is actually copied. otherwise would have had.

i. Personal property in transit at: The restoration of "electronic data processing data and media" for which dupli- (1) (a) The amount of invoice; or

cates do not exist is provided under the

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Travelers Doc Mgmt 56 of 274
(b) In the absence of an invoice, the n. Patterns, dies, molds, and forms not in

least of the following: current usage at actual cash value. If loss

is paid on an actual cash value basis, and (i) The value of the Covered

within 24 months from the date of the loss Property; you need to repair or replace one or more (ii) The cost of reasonably re- of them, we will pay you, subject to the

storing that property to its conditions of this insurance, the differcondition immediately before ence between actual cash value and reloss or damage; or placement cost for those patterns, molds

(iii) The cost of replacing that and dies which are actually repaired or

property with substantially the replaced.

same property; o. Personal property valuation includes the

plus pro-rated value of non-refundable and

non-transferable extended warranties, (2) The amount of any prepaid freight maintenance contracts or service con- charges and other shipping costs or

tracts that you purchased, on lost or dam- charges that are incurred while the

aged personal property that you repair or property is in transit. replace. This applies only when the exj. Glass at: tended warranty, maintenance contract or

(1) The cost of replacement with safety service contract is voided due to the loss

glazing material if required by law; or damage to the personal property.

plus p. If branded or labeled merchandise that is

Covered Property is damaged by a Cov- (2) The amount of reasonable expenses ered Cause of Loss and we take all or incurred to put up temporary plates or part of the property at an agreed or ap- board up openings if repair or re- praised value, we will pay, subject to the placement of the damaged glass is Limit of Insurance that applies to the delayed. damaged property: k. "Valuable papers and records" at the cost (1) The reasonable expenses you incur of:

to:

(1) Blank material for reproducing the re- (a) Stamp the word Salvage on the cords; and merchandise or its containers, if

(2) Labor to transcribe or copy records the stamp will not physically

for which duplicates exist. damage the merchandise; or

The restoration of data on "valuable pa- (b) Remove the brands or labels, if

pers and records" for which duplicates do doing so will not physically damnot exist is provided under the Valuable age the merchandise. You must

Papers and Records – Cost of Research re-label the merchandise or its

Coverage Extension. containers to comply with the law.

l. Works of arts, antiques or rare articles at (2) The reduction in the salvage value of

the least of: the damaged merchandise with the

(1) The price at which brand or label removed. the property could

likely be sold prior to loss or damage q. If you decide to repair or rebuild buildings

if offered for sale in a fair market on which have sustained loss or damage,

the date the loss or damage oc- our payment will include any reasonable

curred; and necessary architectural, engineering,

(2) The cost of reasonably restoring that consulting or supervisory fees incurred.

property; or This will not increase the applicable Limits of Insurance. (3) The cost of replacing that property

with substantially the same property. r. Pairs, sets or parts:

m. Personal property at "exhibitions" at the (1) In case of loss to any part of a pair or

set we may at our option: lesser of replacement cost or the original

cost to you.

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Travelers Doc Mgmt 57 of 274
(a) Repair or replace any part to re- b. The action is brought within 2 years after

store the pair or set to its value the date on which the direct physical loss

before the loss; or or damage occurred.

(b) Pay the difference between the 5. Liberalization

value of the pair or set before and If we adopt any revision that would broaden

after the loss. the coverage under this Coverage Part with-

(2) In case of loss to any part of Covered out additional premium within 60 days prior to

Property consisting of several parts or during the policy period, the broadened

when complete, we will only pay for coverage will immediately apply to this Covthe value of the lost or damaged part. erage Part.

H. ADDITIONAL CONDITIONS 6. Mortgageholders

The following conditions apply in addition to the a. The term mortgageholder includes trusCommon Policy Conditions – Deluxe: tee.

1. Concealment, Misrepresentation or Fraud b. We will pay for covered loss of or damage

to buildings or structures to each mort- This Coverage Part is void in any case of

gageholder shown in the Declarations in fraud by you as it relates to this Coverage

their order of precedence, as interests Part at any time. It is also void if you or any

may appear. other insured, at any time, intentionally conceal or misrepresent a material fact concern- c. The mortgageholder has the right to reing: ceive loss payment even if the mortgageholder has started foreclosure or similar a. This Coverage Part; action on the building or structure. b. The Covered Property; d. If we deny your claim because of your

c. Your interest in the Covered Property; or acts or because you have failed to comd. A claim under this Coverage Part. ply with the terms of this Coverage Part,

the mortgageholder will still have the right 2. Control of Property

to receive loss payment if the mortgage- The breach of any condition of this Coverage holder:

Part as a result of act or neglect of any per- (1) Pays any premium due under this son other than you beyond your direction or Coverage Part at our request if you control will not affect this insurance. have failed to do so;

The breach of any condition of this Coverage (2) Submits a signed, sworn proof of loss Part at any one or more locations will not af- within 60 days after receiving notice fect coverage at any location where, at the

from us of your failure to do so; and time of loss or damage, the breach of condition does not exist. (3) Has notified us of any change in

ownership, occupancy or substantial 3. Currency

change in risk known to the mortThe amounts used within this Coverage Part gageholder.

are in the currency of the United States of All of the terms of this Coverage Part will America and all premium and losses are paythen apply directly to the mortgageholder. able in United States currency. In the event of

a loss adjustment involving currency other e. If we pay the mortgageholder for any loss

than United States currency, the conversion or damage and deny payment to you beinto United States currency will be at the pub- cause of your acts or because you have

lished rate of exchange as of the date of the failed to comply with the terms of this

loss. Coverage Part:

4. Legal Action Against Us (1) The mortgageholder's rights under

the mortgage will be transferred to us No one may bring a legal action against us

to the extent of the amount we pay; under this Coverage Part unless: and

a. There has been full compliance with all of

the terms of this Coverage Part; and

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Travelers Doc Mgmt 58 of 274
(2) The mortgageholder's right to recover vice warranty agreement, even if it is

the full amount of the mortgage- characterized as insurance.

holder's claim will not be impaired. 9. Policy Period, Coverage Territory

At our option, we may pay to the mort- Under this Coverage Part: gageholder the whole principal on the

mortgage a. We cover loss or damage commencing: plus any accrued interest. In

this event, your mortgage and note will be (1) During the policy period shown in the

transferred to us and you will pay your Declarations; and

remaining mortgage debt to us. (2) Within the Coverage Territory.

f. If we cancel this policy, we will give writ- b. Except as otherwise specifically provided,

ten notice to the mortgageholder at least: the Coverage Territory is:

(1) 10 days before the effective date of (1) The United States of America (includ- cancellation if we cancel for your non- ing its territories and possessions); payment of premium; or (2) Puerto Rico; and (2) 60 days before the effective date of

(3) Canada. cancellation if we cancel for any other

reason. 10. Transfer of Rights of Recovery Against

g. Others to Us If we elect not to renew this policy, we will

give written notice to the mortgageholder If any person or organization to or for whom

at least 60 days before the expiration we make payment under this Coverage Part

date of this policy. has rights to recover damages from another,

7. No Benefit to Bailee those rights are transferred to us to the extent

of our payment. That person or organization No person or organization, other than you, must do everything necessary to secure our

having custody of Covered Property will rights and must do nothing after loss to impair benefit from this insurance. them. But you may waive your rights against

8. Other Insurance another party in writing:

a. You may have other insurance subject to a. Prior to a loss under this Coverage Part.

the same plan, terms, conditions and pro- b. After a loss under this Coverage Part only

visions as the insurance under this Cov- if, at time of loss, that party is one of the

erage Part. If you do, we will pay our following: share of the covered loss or damage. Our (1) Someone insured by this insurance; share is the proportion that the applicable

Limit of Insurance under this Coverage (2) A business firm:

Part bears to the Limits of Insurance of all (a) Owned or controlled by you; or insurance covering on the same basis. (b) That owns or controls you; or b. If there is other insurance covering the

(3) Your tenant. same loss or damage, other than that described in Paragraph a. above, we will This will not restrict your insurance.

pay only for the amount of covered loss 11. Unintentional Errors In Description

or damage in excess of the amount due

Your error in how you describe the address of from that other insurance, whether you

can collect on it or not. But we will not pay a location in the Location Schedule shall not

more prejudice coverage afforded by this policy, than the applicable Limit of Insurance. provided such error is not intentional. Any

such error shall be reported and corrected c. If loss or damage is also covered by a when discovered and appropriate premium service agreement, any amounts payable charged. for such loss or damage under this Coverage Part will be excess over any I. OPTIONAL COVERAGES

amounts payable under such agreement. If shown as applicable in the Declarations, the

Service agreement means a service plan, following Optional Coverages apply separately to

property restoration plan, or similar ser- each item.

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Travelers Doc Mgmt 59 of 274
1. Actual Cash Value replaces the term Re- software which are used with elecplacement Cost where used in the Valuation tronically controlled equipment;

Loss Conditions in Section G.6. of this Cov- (2) The electronic media on which the

erage Form. data is stored; and

2. Inflation Guard (3) Programming records and instruca. The Limit of Insurance for property to tions used with "electronic data procwhich this Optional Coverage applies will essing equipment".

automatically increase by the annual per- b. "Electronic data processing data and mecentage shown in the Declarations. dia" does not mean:

b. The amount of increase will be: (1) Prepackaged software;

(1) The Limit of Insurance that applied on (2) Property that you manufacture or

the most recent of the policy incep- hold for sale; or

tion date, the policy anniversary date, (3) Property that is licensed, leased, or or any other policy change amending

rented to others. the Limit of Insurance; times

2. "Electronic Data Processing Equipment" (2) The percentage of annual increase

means the following: shown in the Declarations, expressed

as a decimal (example: 8% is .08); a. "Electronic data processing equipment"

times means any of the following equipment

used in your data processing operations: (3) The number of days since the beginning of the current policy year or the (1) Electronic data processing equipeffective date of the most recent pol- ment, facsimile machines, word procicy change amending the Limit of In- essors, multi-functional telephone

surance, divided by 365. equipment and laptop and portable

computers; and Example:

(2) Any component parts or peripherals If:

of such equipment, including related

The applicable Limit of Insurance surge protection devices.

is: $100,000 b. "Electronic data processing equipment" The annual percentage increase does not mean:

is: 8% (1) Property that is in the course of

The number of days since the begin- manufacture, or held for sale or disning of the policy year (or last policy tribution by you; change) (2) Property that is leased or rented to is: 146

others; or The amount of the increase is: (3) Equipment that is used to control or $100,000 x .08 x 146/365 = $3,200

operate production-type machinery or J. DEFINITIONS equipment.

1. "Electronic Data Processing Data and Me- 3. "Employee Tools" means tools and equip- dia" means the following: ment owned by your employees and used in

a. "Electronic data processing data and me- your business operations.

dia" means: 4. "Exhibition" means the temporary display of

(1) Data stored on, created or used on, personal property at a convention, exposition,

or transmitted to or from computer trade show or similar event at a location you

software (including systems and ap- do not own or regularly occupy.

plications software) on electronic data 5. "Fine Arts" means paintings, etchings, picprocessing recording or storage me- tures, tapestries, art glass windows, valuable

dia such as hard or floppy disks, rugs, statuary, marbles, bronzes, antique furCDs, DVDs, flash memory, tapes, niture, rare books, antique silver, manudrives, cells, data processing devices scripts, porcelains, rare glass, bric-a-brac and

or any other repositories of computer

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Travelers Doc Mgmt 60 of 274
similar property of rarity, historical value, or b. The "interior of a building or structure", or

artistic merit. property inside a building or structure,

unless the roof or an exterior wall of the 6. "Fungus" means any type or form of fungus, building or structure is first damaged by a including mold or mildew, and any mycotoxfalling object. ins, spores, scents, or by-products produced

or released by fungi. When the Causes of Loss – Earthquake endorsement, Causes of Loss – Earthquake 7. "Green" means products, materials, methods Sprinkler Leakage endorsement or Causes of and processes that conserve natural reLoss – Broad Form Flood endorsement is in- sources, reduce energy or water consump- cluded in this Coverage Part, "specified tion, avoid toxic or other polluting emissions

causes of loss" also includes such cause of or otherwise minimize the environmental imloss, but only to the extent such cause of loss pact.

is insured against under this Coverage Part. 8. "Green Authority" means a recognized au- 13. "Stock" means merchandise held in storage thority on "green" building or "green" prodor for sale, raw materials and in-process or ucts, materials or processes.

finished goods, including supplies used in

9. "Interior of a Building or Structure" means their packing or shipping.

any portion of a building or structure that is 14. "Territorial Waters" means that portion of within the exterior-facing surface material of

the sea which is immediately adjacent to the the building or structure. shores of any country and over which the

10. "Pollutants" means any solid, liquid, gase- sovereignty and exclusive jurisdiction of that

ous or thermal irritant or contaminant, includ- country extends, but not exceeding 12 nautiing smoke, vapor, soot, fumes, acids, alkalis, cal miles from the mean low-water mark of

chemicals, waste and any unhealthful or haz- the shore of that country. ardous building materials (including but not 15. "Vacant" means the following: limited to asbestos and lead products or materials containing lead). Waste includes mate- a. When this policy is issued to a tenant, a

rials to be recycled, reconditioned or re- building is "vacant" when it does not conclaimed. tain enough business personal property

to conduct customary operations. With 11. "Sinkhole Collapse" means the sudden

respect to tenant's interest in Covered sinking or collapse of land into underground Property, building means the unit or suite empty spaces created by the action of water

rented or leased to the tenant. on limestone or dolomite.

b. This cause of loss does not include:

general lessee of a building, a building is (1) The cost of filling sinkholes; or "vacant" unless at least 31% of its total

(2) Sinking or collapse of land into man made square footage is:

underground cavities. (1) Rented to a lessee or sub-lessee and

12. "Specified Causes of Loss" means the fol- used by the lessee or sub-lessee to

lowing: Fire; lightning; explosion; windstorm conduct its customary operations;

or hail; smoke (including the emission or puff and/or

back of smoke, soot, fumes or vapors from a (2) Used by the building owner to conboiler, furnace or related equipment); aircraft duct customary operations. or vehicles; riot or civil commotion; vandalism; With respect to the owner or general les- leakage from fire extinguishing equipment; see's interest in Covered Property, build- "sinkhole collapse"; volcanic action; falling obing means the entire building. jects as limited below; weight of snow, ice or

sleet; "water damage", all only as otherwise c. A building under construction or renovainsured against in this Coverage Part. tion is not considered "vacant". Falling objects does not include loss or dam- 16. "Valuable Papers and Records" means inage to: scribed, printed or written documents, manuscripts or records, including abstracts, books, a. Personal property in the open; or deeds, drawings, films, maps and mortgages.

DX T1 00 11 12 Page 37 of 38

When this policy is issued to the owner or

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Travelers Doc Mgmt 61 of 274
But "Valuable papers and records" does not that is located on the described premises

mean: and contains water or steam; and

a. Accounts receivable; b. Accidental discharge or leakage of water

as the direct result of the breaking apart b. Money or securities; or

or cracking of a water or sewer pipe that

c. "Electronic data processing data and me- is located off the described premises, if

dia" or any other data that exists on elec- the breakage or cracking is caused by

tronic media. wear and tear. This provision serves as

17. "Water damage" means: an exception to the wear and tear exclusion under the Other Types of Losses a. Accidental discharge or leakage of water Exclusion in Section (C.2.i.). But water or steam as the direct result of the break- damage does not include loss or damage ing apart or cracking of a plumbing, heatotherwise excluded under the terms of ing, air conditioning or other system or

the Water Exclusion (C.1.l.). appliance (other than a sump system including its related equipment and parts)

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Travelers Doc Mgmt 62 of 274
DELUXE BUSINESS INCOME (AND EXTRA EXPENSE)

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. The

words "we", "us" and "our" refer to the Company providing this insurance.

Other words and phrases that appear in quotation marks have special meaning. REFER TO SECTION G. – DEFINITIONS in this Coverage Form and SECTION J. – DEFINITIONS in the Deluxe Property Coverage Form.

A. COVERAGE b. The coverage provided for Business InWe will pay for: come is based on the entry shown in the

Declarations for "Rental Value". When: • The actual loss of Business Income you sus- (1) Included is shown, the term Business tain due to the necessary "suspension" of Income includes "Rental Value"; your "operations" during the "period of resto-

(2) Excluded is shown, the term Busi- ration"; and

ness Income excludes "Rental • The actual Extra Expense you incur during Value";

the "period of restoration"; (3) Only is shown, the term Business Incaused by direct physical loss of or damage to come means "Rental Value" only.

property at premises which are described in the If Limits of Insurance are shown under Declarations and for which a Business Income

more than one of the above options, the and Extra Expense Limit of Insurance is shown in

provisions of this Coverage Part apply the Declarations. The loss or damage must be separately to each. caused by or result from a Covered Cause of

Loss. With respect to loss of or damage to per- 2. Extra Expense

sonal property in the open or personal property in Extra Expense means reasonable and neca vehicle, the described premises include the essary expenses described in a., b. and c.

area within 1,000 feet of the site at which the de- below that you incur during the "period of resscribed premises are located. toration" and that you would not have incurred

With respect to the requirements set forth in the if there had been no direct physical loss of or

preceding paragraph, if you occupy only part of damage to property caused by or resulting

the site at which the described premises are lo- from a Covered Cause of Loss:

cated, your premises means: a. Expenses to avoid or minimize the "suspension" of business and to continue "op- • The portion of the building which you rent,

erations" at: lease or occupy; and

(1) The described premises; or • Any area within the building or on the site at

which the described premises are located, if (2) Replacement premises or temporary

that area services, or is used to gain access locations, including:

to, the described premises. (a) Relocation expenses; and

1. Business Income (b) Costs to equip and operate the

a. Business Income means the sum of the: replacement premises or temporary locations; (1) Net Income (Net Profit or Loss before

b. Expenses to minimize the "suspension" of income taxes) that would have been

earned or incurred; plus business if you cannot continue "operations"; or (2) Continuing normal operating expenses incurred, including payroll. c. Expenses to repair or replace property,

but only to the extent the amount of loss For manufacturing risks, Net Income in- that otherwise would have been payable cludes the net sales value of production. under this Coverage Form is reduced.

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Travelers Doc Mgmt 63 of 274
3. Covered Causes of Loss erations" during the "period of

restoration"; and Covered Causes of Loss means RISKS OF

DIRECT PHYSICAL LOSS unless the loss is (b) The actual Extra Expense you incur during the "period of restoration"; a. Section C. Exclusions or Section D. Limitations of the Deluxe Property Coverage caused by direct physical loss of or

Form; or damage to property at the premises

of a "dependent property" located b. Section B. Exclusions and Limitation of

anywhere in the world provided that this Coverage Form; or

no sanction, embargo or similar regu- c. In the Declarations or by endorsement. lation imposed by the United States

4. Additional Coverages of America prohibits us from covering

such loss. The loss or damage to the Each of the following Additional Coverages property must be caused by or result applies subject to the Limit(s) of Insurance from a Covered Cause of Loss. stated in this Coverage Form, unless a revised Limit of Insurance or Not Covered is in- (2) This Additional Coverage does not

dicated in the Declarations or the coverage is apply to "dependent property" for

otherwise amended by endorsement: which you have more specific insurance under this or any other policy. a. Alterations and New Buildings

(3) The most we will pay in any one oc- We will pay for the actual loss of Busicurrence under this Additional Cover- ness Income you sustain and the actual

age for loss of Business Income and Extra Expense you incur due to direct Extra Expense arising out of damage physical loss or damage at the described

to property at the premises of a "de- premises caused by or resulting from a

pendent property" located: Covered Cause of Loss to:

(a) Within the Coverage Territory is (1) New buildings or structures, whether $100,000; and complete or under construction;

(b) Anywhere in the world outside of (2) Alterations or additions to existing

the Coverage Territory is buildings or structures; and $100,000. (3) Machinery, equipment, supplies or (4) With respect only to the insurance building materials located on or within provided under this Additional Cover- 1,000 feet of the described premises age, the phrase, at the described and: premises, as used in the definition of

(a) Used in the construction, altera- "period of restoration" is deleted and

tions or additions; or replaced by the phrase at the prem-

(b) Incidental to the occupancy of ises of a "dependent property".

new buildings. c. Civil Authority

If such direct physical loss or damage de- (1) When a Covered Cause of Loss

lays the start of "operations", the "period causes damage to property other

of restoration" for Business Income cov- than property at the described premerage will begin on the date "operations" ises, we will pay for the actual loss of

would have begun if the direct physical Business Income you sustain and the

loss or damage had not occurred. This actual Extra Expense you incur

change in the start of the "period of resto- caused by action of civil authority that

ration" does not apply to Extra Expense. prohibits access to the described

b. Business Income From Dependent premises, provided that both of the

Property following apply:

(1) We will pay for: (a) Access to the area immediately

surrounding the damaged prop- (a) The actual loss of Business Inerty is prohibited by civil authority come you sustain due to the necas a result of the damage, and essary "suspension" of your "opPage 2 of 13 DX T1 01 11 12

excluded or limited in:

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Travelers Doc Mgmt 64 of 274
the described premises are within (3) The most we will pay for all Contract

that area but are not more than Penalties incurred in any one occur100 miles from the damaged rence under this Additional Coverage,

property; and regardless of the number of contracts

involved is $25,000. (b) The action of civil authority is

taken in response to dangerous e. Extended Business Income

physical conditions resulting from (1) Business Income Other Than

the damage or continuation of the "Rental Value"

Covered Cause of Loss that

If the necessary "suspension" of your caused the damage, or the action

"operations" produces a Business In- is taken to enable a civil authority

come loss payable under this Cover- to have unimpeded access to the

age Part, we will pay for the actual damaged property.

loss of Business Income you incur (2) Civil Authority Coverage for Business during the period that:

Income will begin 72 hours after the (a) Begins on the date property (ex- time of the first action of civil authority

cept "finished stock") is actually that prohibits access to the described

repaired, rebuilt or replaced and premises and will apply for a period

"operations" are resumed; and of up to thirty consecutive days from

the date on which such coverage be- (b) Ends on the earlier of:

gan. (i) The date you could restore

(3) Civil Authority Coverage for Extra your "operations", with reaExpense will begin immediately after sonable speed, to the level

the time of the first action of civil au- which would generate the

thority that prohibits access to the Business Income amount that

described premises and will end: would have existed if no direct physical loss or damage (a) Thirty consecutive days after the

had occurred; or date of that action; or

(ii) 180 consecutive days after (b) When your Civil Authority Coverthe date determined in (1)(a) age for Business Income ends; above, unless otherwise

whichever is later. stated in the Declarations or

d. Contract Penalties by endorsement.

(1) We will pay for Contract Penalties However, Extended Business Income

you incur due to the necessary "sus- does not apply to loss of Business Inpension" of your "operations" during come incurred as a result of unfavorthe "period of restoration". The "sus- able business conditions caused by

pension" of your "operations" must be the impact of the Covered Cause of

caused by direct physical loss or Loss in the area where the described

damage by a Covered Cause of Loss premises are located.

to property at the described prem- Loss of Business Income must be

ises, including "finished stock" and caused by direct physical loss of or

personal property in the open (or in a damage to property at the described

vehicle) within 1,000 feet of the de- premises caused by or resulting from

scribed premises. a Covered Cause of Loss.

(2) As used in this Additional Coverage, (2) "Rental Value"

Contract Penalties means amounts

If the necessary "suspension" of your which, under the terms of a written

"operations" produces a "Rental contract that is in effect at the time of

Value" loss payable under this Cov- the direct physical loss or damage,

erage Part, we will pay for the actual you are required to pay to your cusloss of "Rental Value" you incur dur- tomers for failure to deliver your

ing the period that: products or services on time.

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Travelers Doc Mgmt 65 of 274
(a) Begins on the date property is ac- of such loss and expense sustained

tually repaired, rebuilt or replaced during a period of not more than 30

and tenantability is restored; and days unless another number of days

is shown in the Declarations. The (b) Ends on the earlier of:

days need not be consecutive. (i) The date you could restore (3) If a covered "suspension" of "opera- tenant occupancy, with reations" is caused by a cause of loss at sonable speed, to the level

the described premises other than which would generate the

"fungus", wet rot or dry rot, but reme- "Rental Value" that would

diation of resulting loss by "fungus", have existed if no direct

wet rot or dry rot prolongs the "period physical loss or damage had

of restoration", we will pay for the ac- occurred; or

tual loss of Business Income and the (ii) 180 consecutive days after actual Extra Expense sustained durthe date determined in (2)(a) ing the delay (regardless of when

above, unless otherwise such a delay occurs during the "pe- stated in the Declarations or riod of restoration"), but such coverby endorsement. age is limited to a period of not more

However, Extended Business Income than 30 days unless another number

does not apply to loss of "Rental of days is shown in the Declarations.

Value" incurred as a result of unfa- The days need not be consecutive.

vorable business conditions caused (4) The Fungus, Wet Rot or Dry Rot exby the impact of the Covered Cause clusion in Section C.1.c. of the Deof Loss in the area where the de- luxe Property Coverage Form does

scribed premises are located. not apply to the insurance specifically

Loss of "Rental Value" must be provided under this Additional Covercaused by direct physical loss or age.

damage at the described premises g. Green Building Alternatives – Incaused by or resulting from a Cov- creased Period of Restoration

ered Cause of Loss.

If direct physical loss or damage by a

f. Fungus, Wet Rot or Dry Rot – Covered Cause of Loss occurs to a build- Amended Period of Restoration ing at a described premises, we will pay

(1) The coverage described in f.(2) and for the actual loss of Business Income

f.(3) below only applies when "fun- you sustain and the actual Extra Expense

gus", wet rot or dry rot is the result of you incur during the reasonable and necany of the "specified causes of loss", essary increase in the "period of restoraother than fire or lightning, that oc- tion" that is incurred to:

curs at the described premises during (1) Repair or replace the lost or damthe policy period, and only if all rea- aged portions of the building using

sonable means have been used to products or materials that:

save and preserve the property from (a) Are "green" alternatives to the further damage at the time of and afproducts or materials of the lost ter that occurrence.

or damaged property, in accor-

(2) If the cause of loss at the described dance with the documented stanpremises which results in "fungus", dards of a "Green Authority"; and wet rot or dry rot does not, in itself, (b) Are otherwise of comparable necessitate a "suspension" of "opera- quality and function to the dam- tions", but such "suspension" of "op- aged property; erations" is necessary due to loss or

damage to property at the described and

premises caused by "fungus", wet rot (2) Employ "green" methods or procor dry rot, then our payment for loss esses of construction, disposal or reof Business Income and Extra Ex- cycling in the course of repair and repense is limited to the actual amount placement of the lost or damaged

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Travelers Doc Mgmt 66 of 274
building, in accordance with the ants", "fungus", wet rot or dry

documented standards of a "Green rot;

Authority"; or

subject to a maximum of 30 additional (b) The enforcement of any ordidays, unless another number of days is nance or law which:

shown in the Declarations, from the date (i) You were required to comply the "period of restoration" would otherwith before the loss, even if wise have ended.

the building was undamaged; h. Ordinance or Law – Increased Period and of Restoration

(ii) You failed to comply with. (1) If direct physical loss or damage by a

(3) The Ordinance or Law exclusion in Covered Cause of Loss occurs to

Section C.1.h. of the Deluxe Property property at the described premises,

we Coverage Form does not apply to the will pay for the actual loss of

insurance specifically provided under Business Income you sustain and the

this Additional Coverage. actual Extra Expense you incur during the reasonable and necessary in- (4) The most we will pay for loss and excrease in the "period of restoration" pense in any one occurrence under

caused by or resulting from the en- this Additional Coverage is $250,000.

forcement of any ordinance or law 5. Coverage Extensions which:

Each of the following Coverage Extensions (a) Regulates the construction or re- applies subject to the Limit of Insurance

pair of any property; stated in this Coverage Form, unless a differ-

(b) Requires the tearing down of ent Limit of Insurance or Not Covered is indiparts of property not damaged by cated in the Declarations, or the coverage is

a Covered Cause of Loss; and otherwise amended by endorsement:

(c) Is in force at the time of loss. a. Claim Data Expense

However, this Additional Coverage (1) You may extend the insurance proapplies only to the increased period vided by this Coverage Form to apply

required to repair or reconstruct the to the reasonable expenses you incur

property to comply with the minimum in the preparation of claim data when

standards of such ordinance or law. we require it to adjust a covered loss.

This includes the cost of preparing (2) This Additional Coverage does not

income statements and other docu- apply to any loss caused by or resultmentation to show the extent of loss. ing from:

(2) We will not pay for: (a) The enforcement of any ordinance or law which requires: (a) Any expenses incurred, directed

or billed by or payable to attor- (i) The demolition, repair, reneys, insurance adjusters or their placement, reconstruction,

associates or subsidiaries; remodeling or remediation of

property due to contamina- (b) Any costs as provided in the Aption by "pollutants" or due to praisal Loss Condition; or

the presence, growth, prolif- (c) Any expenses incurred, directed

eration, spread or any activity or billed by or payable to insur- of "fungus", wet rot or dry rot; ance brokers or agents, or their

or associates or subsidiaries, with-

(ii) Requires any insured or oth- out our written consent prior to

ers to test for, monitor, clean such expenses being incurred.

up, remove, contain, treat, (3) The most we will pay in any one ocdetoxify or neutralize, or in currence under this Extension is

any way respond to, or as- $25,000.

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Travelers Doc Mgmt 67 of 274
b. Ingress or Egress tion) at any location you newly acquire by purchase, lease or other- (1) You may extend the insurance pro- wise, other than at "exhibitions". vided by this Coverage Form for:

(2) The most we will pay under this Ex- (a) The actual loss of Business Intension for the sum of Business In- come you sustain due to the neccome loss and Extra Expense in- essary "suspension" of your "op- curred in any one occurrence is erations" during the "period of $500,000 at each newly acquired lo- restoration"; and

cation. (b) The actual Extra Expense you in- (3) With respect only to the insurance cur during the "period of restoraprovided under this Extension, the tion"; phrase, at the described premises, as

to apply to the actual amount of such used in the definition of "period of

loss of Business Income and Extra restoration" is deleted and replaced Expense that you incur when ingress by the phrase at a newly acquired loto or egress from the described prem- cation.

ises is prevented (other than as pro- (4) Insurance under this Extension for vided in the Civil Authority Additional

each newly acquired location will end Coverage). when any of the following first occurs: (2) The prevention of ingress to or (a) This policy expires; egress from the described premises

must be caused by direct physical (b) 180 days expire after you acquire

loss or damage by a Covered Cause or begin to construct the property;

of Loss to property that is away from, (c) You report the location to us; or but within 1 mile of the described

(d) Coverage for Business Income premises, unless a different number

and Extra Expense at the location of miles is shown in the Declarations.

is more specifically insured. This coverage will apply for up to 30

consecutive days from the date when We will charge you additional prethe ingress or egress is first pre- mium for values reported from the

vented. date you acquire the property.

(3) The most we will pay under this Ex- d. Pollutant Cleanup and Removal

tension for the sum of Business In- (1) You may extend the insurance procome loss and Extra Expense in- vided by this Coverage Form for: curred in any one occurrence is

(a) The actual loss of Business In- $25,000.

come you sustain due to the necc. Newly Acquired Locations essary "suspension" of your "op-

(1) You may extend the insurance pro- erations" during the "period of

vided by this Coverage Form for: restoration"; and

(a) The actual loss of Business In- (b) The actual Extra Expense you income you sustain due to the nec- cur during the "period of restoraessary "suspension" of your "op- tion";

erations" during the "period of to apply to the actual amount of such

restoration"; and loss of Business Income and Extra

(b) The actual Extra Expense you in- Expense that you incur during the incur during the "period of restora- creased period of time necessarily

tion"; required to extract "pollutants" from

land or water at the described prem- to apply to the actual amount of such

ises. loss of Business Income and Extra

Expense that you incur caused by di- (2) The insurance provided under this

rect physical loss or damage by a Extension applies only if the disCovered Cause of Loss to property charge, dispersal, seepage, migra-

(including property under construc- tion, release or escape of the "pollutPage 6 of 13 © 2011 The Travelers Indemnity Company. All rights reserved. DX T1 01 11 12

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Travelers Doc Mgmt 68 of 274
ants" into the land or water is caused (d) Property of others for which you

by or results from direct physical loss are responsible while acting as a

or damage by any of the "specified common or contract carrier, carcauses of loss" which occurs: loader, freight forwarder, freight

consolidator, freight broker, ship- (a) To property at the described

ping association or similar ar- premises that is Covered Propranger of transportation, or as a erty under the Deluxe Property public warehouseman; Coverage Form of this policy; and

(e) Property within a conveyance or (b) During the Policy Period. container caused by theft while (3) The most we will pay under this Ex- the conveyance or container is

tension for the sum of Business In- unattended unless the portion of

come loss and Extra Expense in- the conveyance or container concurred arising out of all "specified taining the property is fully encauses of loss" that occur during closed and securely locked, and

each separate 12 month period of the theft is by forcible entry of

this policy (beginning with the effec- which there is visible evidence; or

tive date of this policy), is $25,000. (f) The transporting conveyance. e. Transit Business Income (3) With respect only to the insurance

(1) You may extend the insurance pro- provided under this Extension, the

vided by this Coverage Form for: phrase, at the described premises, as

(a) The actual loss of Business In- used in the definition of "period of

come you sustain due to the nec- restoration" is deleted and replaced

essary "suspension" of your "op- by the phrase in the due course of

erations" during the "period of transit.

restoration"; and (4) The most we will pay under this Ex-

(b) The actual Extra Expense you in- tension for the sum of Business Incur during the "period of restora- come loss and Extra Expense intion"; curred in any one occurrence is

$25,000. to apply to the actual amount of such

loss of Business Income and Extra f. Undescribed Premises

Expense that you incur caused by di- (1) You may extend the insurance prorect physical loss or damage by a vided by this Coverage Form for: Covered Cause of Loss to property (a) The actual loss of Business In- while in the due course of transit at

come you sustain due to the nec- your risk within the Coverage Terriessary "suspension" of your "op- tory. erations" during the "period of (2) This Extension does not apply to loss restoration"; and

caused by or resulting from loss of or (b) The actual Extra Expense you in- damage to:

cur during the "period of restora- (a) Shipments by a government tion"; postal service, except by registo apply to the actual amount of such tered mail;

loss of Business Income and Extra

(b) Export and import shipments Expense that you incur caused by diwhile covered under an ocean rect physical loss or damage by a

marine cargo or other insurance Covered Cause of Loss to property at

policy; Undescribed Premises, as defined in

(c) Property while waterborne except (2) below.

while in transit by inland water (2) Undescribed Premises, as used in

carriers or by coastwise vessels this Extension, means premises: operating within "territorial wa- (a) Owned, leased or operated by ters";

you; or

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Travelers Doc Mgmt 69 of 274
(b) Not owned, leased or operated (2) Outdoor trees, shrubs, plants, lawns

by you, where your business per- (including fairways, greens and tees),

sonal property or business per- artificial turf and associated undersonal property of others in your layment, growing crops, land or wacare custody or control is located; ter;

that are within the Coverage Territory (3) Communication, radio or television

and not described in the Declarations antennas (including satellite dishes),

nor reported to or accepted by us for and their lead-in wiring, masts or

coverage under this Coverage Form. towers;

(3) This Extension does not apply to loss (4) Animals, unless the loss is caused by

caused by or resulting from loss or or results from a "specified cause of

damage to property: loss", and then only if, as a direct result of the "specified cause of loss", (a) At the premises of a "dependent

the animals are killed or their death or property"; destruction is made necessary; or (b) At any location to which the (5) Human body parts and fluids, includ- Newly Acquired Locations Coving organs, tissues, blood and cells. erage Extension applies; or

c. Any increase of loss caused by or result- (c) In the due course of transit.

ing from: (4) The most we will pay under this Ex- (1) Delay in rebuilding, repairing or re- tension for the sum of Business Inplacing the property or resuming "op- come loss and Extra Expense inerations", due to interference at the curred in any one occurrence is

location of the rebuilding, repair or $25,000. replacement by strikers or other per- (5) With respect only to the insurance sons; or provided under this Extension, the (2) Suspension, lapse or cancellation of phrase at the described premises, as

any license, lease or contract. But if used in the definition of "period of

the suspension, lapse or cancellation restoration", is replaced by the

is directly caused by the "suspension" phrase at Undescribed Premises.

of "operations", we will cover such

B. EXCLUSIONS AND LIMITATION loss that affects your Business InThe following exclusions and limitation apply in come during the "period of restoraaddition to the exclusions and limitations con- tion" and any extension of the "period

tained in the Deluxe Property Coverage Form. of restoration" in accordance with the

terms of the Extended Business In- 1. Exclusions

come Additional Coverage or any We will not pay for: variation thereof.

a. Any loss caused by or resulting from: d. Any Extra Expense caused by or resulting

(1) Damage or destruction of "finished from suspension, lapse or cancellation of

stock"; or any license, lease or contract beyond the

"period of restoration". (2) The time required to reproduce "finished stock". e. Any other consequential loss including

fines and penalties, except as specifically This exclusion does not apply to Extra provided under the Contract Penalties Expense or to the insurance provided un- Additional Coverage. der the Contract Penalty Additional Coverage. 2. Limitation – Electronic Media and Records

b. Any loss caused by or resulting from di- a. We will not pay for any loss of Business

rect physical loss of or damage to the fol- Income caused by direct physical loss of

lowing property: or damage to electronic media and records after the longer of: (1) Harvested grain, hay, straw or other

crops while outside of buildings; (1) 60 consecutive days from the date of

direct physical loss or damage; or

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Travelers Doc Mgmt 70 of 274
(2) The period, beginning with the date of a. Alterations and New Buildings;

direct physical loss or damage, nec- b. Civil Authority;

essary to repair, rebuild or replace, c. Extended Business Income; with reasonable speed and similar

quality, other property at the de- d. Fungus, Wet Rot or Dry Rot – Amended

scribed premises (or other location of Period of Restoration;

the loss to which this insurance ap- e. Green Building Alternatives – Increased

plies) which suffered loss or damage Period of Restoration; in the same occurrence.

and This Limitation does not apply to Extra

Expense. 2. The Ingress or Egress Coverage Extension;

b. Electronic Media and Records are: are included in and do not increase the applicable

Limits of Insurance. (1) Electronic data processing, recording The remaining Additional Coverages in Section or storage media such as hard or

A.4. and the remaining Coverage Extensions in floppy disks, CDs, DVDs, flash memSection A.5. are additional insurance. ory, tapes, drives, cells, data processing devices or any other reposito- D. DEDUCTIBLE

ries of computer software which are 1. An hour deductible applies to your Business used with electronically controlled Income coverage. We will not pay for loss of equipment; Business Income in any one occurrence that

(2) Data stored on such media; or is incurred during the period of time that:

(3) Programming records used for elec- a. Begins at the time of direct physical loss

tronic data processing or electroni- or damage that triggers the Business Incally controlled equipment. come coverage; and

EXAMPLE NO. 1 b. Continues for the consecutive number of

A Covered Cause hours shown in the Declarations as the of Loss damages a comapplicable Business Income hour de- puter on June 1. It takes until September 1 to

ductible. replace the computer, and until October 1 to

restore the computer data that was lost when 2. The Business Income hour deductible dethe damage occurred. We will only pay for the scribed in 1. above does not:

Business Income loss sustained during the a. Apply to or alter the coverage period that period June 1 - September 1. Loss during the applies to the Business Income coverage period September 2 - October 1 is not cov- provided under the Civil Authority Addi- ered. tional Coverage; or

EXAMPLE NO. 2 b. Apply to the Contract Penalties Additional

A Covered Cause of Loss results in the loss Coverage.

of data processing programming records on 3. If a separate dollar deductible applies to other August 1. The records are replaced on Octo- loss or damage in that same occurrence un- ber 15. We will only pay for the Business In- der this Coverage Part, such dollar deductible

come loss sustained during the period August will apply to that other loss or damage and 1 - September 29 (60 consecutive days). only the hourly deductible will apply to your Loss during the period September 30 - Octo- loss of Business Income. ber 15 is not covered.

4. No deductible applies to Extra Expense. C. LIMITS OF INSURANCE

E. LOSS CONDITIONS The most we will pay for loss or damage in any

one occurrence is the applicable Limit of Insur- The following conditions apply in addition to the

ance shown in the Declarations, Schedules, Cov- Common Policy Conditions – Deluxe, the Loss

erage Form(s), or Endorsement(s). Condition – Duties in the Event of Loss in the Deluxe Property Coverage Form and the Additional Payments under: Conditions in the Deluxe Property Coverage

1. The following Additional Coverages: Form:

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1. Appraisal fore the direct physical loss or damage; and If we and you disagree on the amount of Net

Income and operating expense or the amount (4) Other relevant sources of information,

of loss, either may make written demand for including:

an appraisal of the loss. In this event, each (a) Your financial records and acparty will select a competent and impartial counting procedures; appraiser. (b) Bills, invoices and other vouchThe two appraisers will select an umpire. If ers; and

they cannot agree, either may request that (c) Deeds, liens or contracts. selection be made by a judge of a court having jurisdiction. The appraisers will state b. The amount of Extra Expense will be deseparately the amount of Net Income and op- termined based on:

erating expense or amount of loss. If they fail (1) All reasonable and necessary exto agree, they will submit their differences to penses that exceed the normal operthe umpire. A decision agreed to by any two ating expenses that would have been will be binding. Each party will: incurred by "operations" during the

a. Pay its chosen appraiser; and "period or restoration" if no direct

b. Bear physical loss or damage had oc- the other expenses of the appraisal

curred. We will deduct from the total and umpire equally. of such expenses:

If there is an appraisal, we will still retain our (a) The salvage value that remains right to deny the claim. of any property bought for tempo- 2. Duties in the Event of Loss – Additional rary use during the "period of res- Duty toration", once "operations" are

The following duty applies in addition to the resumed; and

duties specified in the Loss Condition – Du- (b) Any Extra Expense that is paid

ties in the Event of Loss in the Deluxe Prop- for by other insurance, except for

erty Coverage Form: insurance that is written subject

If you intend to continue your business, you to the same plan, terms, condimust resume all or part of your "operations" tions and provisions as this inas quickly as possible. surance; and

3. Loss Determination (2) All reasonable and necessary expenses that reduce the Extra Ex- a. The amount of Business Income loss will

pense loss that otherwise would have be determined based on:

been incurred. (1) The Net Income of the business bec. Resumption of Operations fore the direct physical loss or damage occurred; We will reduce the amount of your:

(2) The likely Net Income of the business (1) Business Income loss, other than Exif no physical loss or damage oc- tra Expense, to the extent you can

curred, but not including any Net In- resume your "operations" in whole or

come that would likely have been in part, by using damaged or undamearned as a result of an increase in aged property (including merchandise

the volume of business as a result of or "stock") at the described premises

favorable business conditions caused or elsewhere and, with respect to the

by the impact of the Covered Cause Business Income From Dependent

of Loss on customers or on other Property Additional Coverage, by usbusinesses; ing any other available source of materials or outlet for your products. (3) The operating expenses, including

payroll expenses necessary to re- (2) Extra Expense loss to the extent you

sume "operations" with the same can return "operations" to normal and

quality of service that existed just be- discontinue such Extra Expense.

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Travelers Doc Mgmt 72 of 274
d. If you do not resume "operations", or do Days 1 – 30 $40,000

not resume "operations" as quickly as Days 31 – 60 $20,000

possible, we will pay based on the length Days 61 – 90 $30,000 of time it would have taken to resume

"operations" as quickly as possible. $90,000

4. Loss Payment We will pay:

We will pay for covered loss within 30 days Days 1 – 30 $30,000

after we receive the sworn proof of loss, if: Days 31 – 60 $20,000

a. You have complied with all of the terms of Days 61 – 90 $30,000 this Coverage Part; and

$80,000 b. (1) We have reached agreement with

The remaining $10,000 is not cov- you on the amount of loss; or ered. (2) An appraisal award has been made.

3. Ordinary Payroll Exclusion or Limitation F. OPTIONAL COVERAGES

a. When the Declarations shows:

If shown as applicable in the Declarations, the fol- (1) Ordinary Payroll is excluded, the lowing Optional Coverages apply separately to

Business Income coverage provided each item.

for continuing normal operating ex- 1. Maximum Period of Indemnity penses incurred does not include OrThe most we will pay for the total loss of dinary Payroll;

Business Income, including the Extended (2) Ordinary payroll is limited to a speci- Business Income Additional Coverage, and fied number of days, the Business InExtra Expense is the lesser of: come coverage provided for continua. The amount of loss sustained and ex- ing normal operating expenses inpenses incurred during the 120 days im- curred only includes Ordinary Payroll

mediately following the beginning of the for the specified number of days. The

"period of restoration"; or number of days may be used in two

separate periods during the "period of b. The Limit of Insurance shown in the Decrestoration". larations.

b. Ordinary payroll expenses mean payroll 2. Monthly Limit of Indemnity

expenses for all your employees except: The most we will pay for loss of Business In- (1) Officers; come, including the Extended Business Income Additional Coverage, in each period of (2) Executives;

30 consecutive days after the beginning of (3) Department managers;

the "period of restoration" is: (4) Employees under contract; and a. The Limit of Insurance, multiplied by

(5) Additional Exemptions, shown by en- b. The fraction shown in the Declarations for dorsement as: this Optional Coverage. (a) Job Classifications; or EXAMPLE:

(b) Employees. When: The Limit of Insurance is: $120,000

c. Ordinary payroll expenses include: The fraction shown in the Declara-

(1) Payroll; tions for this Optional Coverage is:

1/4 (2) Employee benefits, if directly related

to payroll; The most we will pay for loss in each

period of 30 consecutive days is: (3) FICA payments you pay;

$120,000 x 1/4 = $30,000 (4) Union dues you pay; and

If in this example, the actual amount (5) Worker's compensation premiums.

of loss is:

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Travelers Doc Mgmt 73 of 274
G. DEFINITIONS (b) For Extra Expense coverage begins immediately after the time of 1. "Dependent Property" means property oper- direct physical loss or damage; ated by others you directly depend on to:

a. Deliver materials or services caused by or resulting from a Cov- to you, or to

others for your account (Contributing Lo- ered Cause of Loss at the described

cations). But any property which delivers premises; and

the following services is not a Contribut- (2) Ends on the earlier of:

ing Location with respect to such ser- (a) The date when the property at vices:

the described premises should be (1) Water supply services; repaired, rebuilt or replaced with

(2) Power supply services; or reasonable speed and similar

quality; or (3) Communication services, including

services relating to internet access or (b) The date when business is reaccess to any electronic, cellular or sumed at a new permanent locasatellite network. tion.

b. Accept your products or services (Recipi- b. "Period of restoration" does not include

ent Locations); any increased period required due to the

enforcement of any ordinance or law that: c. Manufacture products for delivery to your

customers under contract of sale (Manu- (1) Regulates the construction, use or

facturing Locations); or repair, or requires the tearing down,

of any property, except as provided in d. Attract customers to your business

the Ordinance or Law-Increased Pe- (Leader Locations). riod of Restoration Additional Cover2. "Finished Stock" means "stock" you have age; or manufactured. (2) Requires any insured or others to test

"Finished Stock" also includes whiskey and for, monitor, clean up, remove, conalcoholic products being aged. tain, treat, detoxify or neutralize, or in

"Finished Stock" does not include "stock" you any way respond to, or assess the efhave manufactured that is held for sale on the fects of "fungus", wet rot or dry rot,

premises of any retail outlet insured under except as provided in the Fungus,

this Coverage Part. Wet Rot or Dry Rot - Amended Period of Restoration Additional Cover- 3. "Operations" means:

age; or

a. Your business activities occurring at the (3) Requires any insured or others to test described premises even if such activities for, monitor, clean up, remove, con- would not have produced income during

tain, treat, detoxify or neutralize, or in the "period of restoration", such as reany way respond to, or assess the ef- search and development activities; and fects of "pollutants" except as pro- b. The tenantability of the described prem- vided in the Pollutant Clean Up and

ises, if coverage for Business Income in- Removal Coverage Extension. cluding "Rental Value" or "Rental Value"

c. "Period of restoration" does not include only applies. any increased period required to attain a

4. "Period of Restoration" pre-loss level of "green" building certificaa. "Period of Restoration" means the period tion from a "Green Authority". But this

of time that: does not apply to any increase in the "period of restoration" otherwise insured un- (1) (a) For Business Income coverage, der the Green Buildings Alternatives – In- begins once the number of hours creased Period of Restoration Additional of the applicable Business In- Coverage. come hour deductible, if any, expires following the time of direct The expiration date of this policy will not cut

physical loss or damage; and short the "period of restoration".

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Travelers Doc Mgmt 74 of 274
5. "Rental Value" means Business Income that (1) Payroll; and

consists of: (2) The amount of charges which are the

a. Net Income (Net Profit or Loss before in- legal obligation of the tenant(s) but

come taxes) that would have been would otherwise be your obligations.

earned or incurred as rental income from 6. "Suspension" means:

tenant occupancy of the premises dea. The partial or complete cessation of your scribed in the Declarations as furnished

business activities; or and equipped by you, including fair rental

value of any portion of such described b. That a part or all of the described prempremises which is occupied by you; and ises is rendered untenantable, if coverage

b. Continuing for Business Income including "Rental normal operating expenses

Value" or "Rental Value" only applies. incurred in connection with such premises, including:

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Travelers Doc Mgmt 75 of 274
POLICY NUMBER: ISSUE DATE:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

DELUXE PROPERTY COVERAGE PART AMENDATORY ENDORSEMENT

ADDITIONAL INSURED – BUILDING OWNER

This endorsement modifies insurance provided under the following:

DELUXE PROPERTY COVERAGE PART

The building owner identified in this endorsement is a Named Insured, but only with respect to the coverage provided under this Coverage Part for direct physical loss or damage to the building(s) described in the Schedule

below.

SCHEDULE

Premises Building

Location No. No. Building Description Building Owner Name and Address

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

Y-630-0K557677-COF-20 01-11-20

 35 35 730 ELIZABETH STREET SHODEEN CONSTRUCTION

ELBURN, IL 60119 COMPANY LLC

 31 31 LOAN#A9071401-7500075048 STANCORP MORTGAGE INVESTORS LLC

OR ITS ASSIGNS

C/O DRAPER AND KRAMER INC

55 EAST MONROE ST SUITE 3900

CHICAGO IL 60603

Travelers Doc Mgmt 76 of 274
POLICY NUMBER: ISSUE DATE:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

DELUXE PROPERTY COVERAGE PART AMENDATORY ENDORSEMENT

CONDOMINIUM COMMERCIAL UNIT – OWNERS

This endorsement modifies insurance provided under the following:

DELUXE PROPERTY COVERAGE FORM

The following changes apply only with respect to the the condominium units indicated in the Schedule

insurance provided under this Coverage Form for for such coverages.

owned Commercial Condominium Units: 1. Loss Assessment Coverage

A. Under Section A. Coverage When a Limit of Insurance is shown in the

1. Provision 1. a., Building(s), does not apply. Schedule below for Loss Assessment Coverage: 2. Provision 1. b., Your Business Personal Property, is extended to include fixtures, improve- a. We will pay for your share of an assessments and alterations that are: ment charged to all unit-owners by the

Condominium Association, when the as- a. Part of the designated building at the desessment is made: scribed premises; and

(1) During the policy period shown in the b. Owned by you; and Declarations; and

c. Not otherwise excluded under Section (2) As a result of direct physical loss or A.2., Property and Costs Not Covered. damage to property in which each

3. The following is added to provision 2., Prop- unit-owner has an undivided interest, erty and Costs Not Covered: if such loss or damage is caused by a

Covered Property does not include any of the Cause of Loss covered under this

following types of property contained within a policy.

unit, regardless of ownership, if your Condo- Paragraph a. of the Policy Period, Coverminium Association Agreement requires the age Territory Additional Condition in SecAssociation to insure it: tion H.9. of the Deluxe Property Coverage

a. Fixtures, improvements and alterations Form does not apply to this Loss Asthat are a part of the building; and sessment Coverage.

b. Appliances such as those used for refrig- b. The most we will pay for each assesserating, ventilating, heating, air condition- ment is the Loss Assessment Limit of Ining, cooking, dishwashing, laundering, surance shown in the Schedule for the

communication, security or housekeep- applicable unit. But we will not pay more

ing. than $1,000 per scheduled unit for an assessment that results from a deductible in B. The following condition is added to the Loss Conthe insurance purchased by the Condo- ditions in Section G.:

minium Association.

Condominium Association Insurance

c. The Deductible applicable to Loss AsThe Condominium Association may have other sessment Coverage is the applicable deinsurance covering the same property as this in- ductible stated in the Declarations.

surance. This insurance is intended to be excess, 2. Miscellaneous Real Property Coverage and not contribute with that other insurance.

When a Limit of Insurance is shown in the C. Condominium Commercial Unit-Owners Op- Schedule below for Miscellaneous Real tional Coverages Property Coverage: Each of the following coverages apply only when

a. The following is added to Covered Prop- indicated in the Schedule below, and then only to

erty:

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Travelers Doc Mgmt 77 of 274
Miscellaneous Real Property, meaning erty as this insurance. If it does, we will

condominium property that is not included only pay the excess over what should

under Your Business Personal Property, have been received from that other propprovided that: erty insurance. We will pay the excess

(1) The condominium property pertains whether the other insurance can be colto your condominium unit only; or lected or not.

(2) You have a duty to insure the con- c. The Deductible applicable to Miscellanedominium property according to the ous Real Property Coverage is the appliCondominium Association agree- cable deductible stated in the Declarament. tions.

b. The Condominium Association may have

other insurance covering the same propSCHEDULE

Prem. Bldg. Unit Loss Assessment Coverage Miscellaneous Real Property

Loc. No. No. No. Limit of Insurance Limit of Insurance

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 8 8 401 $16,566 $225,000

 8 8 402 INCL IN ABOVE INCL IN ABOVE

 8 8 403 INCL IN ABOVE INCL IN ABOVE

 8 8 404 INCL IN ABOVE INCL IN ABOVE

 8 8 405 INCL IN ABOVE INCL IN ABOVE

 8 8 406 INCL IN ABOVE INCL IN ABOVE

 8 8 407 INCL IN ABOVE INCL IN ABOVE

 8 8 408 INCL IN ABOVE INCL IN ABOVE

 8 8 409 INCL IN ABOVE INCL IN ABOVE

 8 8 410 INCL IN ABOVE INCL IN ABOVE

 8 8 411 INCL IN ABOVE INCL IN ABOVE

 8 8 412 INCL IN ABOVE INCL IN ABOVE

 8 8 413 INCL IN ABOVE INCL IN ABOVE

Travelers Doc Mgmt 78 of 274
POLICY NUMBER: ISSUE DATE:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

DELUXE PROPERTY COVERAGE PART AMENDATORY ENDORSEMENT

CONTINGENT BUILDING PROPERTY COVERAGE

This endorsement modifies insurance provided under the following:

DELUXE PROPERTY COVERAGE FORM

A. As used in this endorsement, Insured Contingent for Buildings does not apply to any Buildings at

Location means any premises: Insured Contingent Locations. The most we will

pay for loss or damage in any one occurrence 1. For which you are the lessor or mortgage- under this Extension is the lesser of: holder; and

1. The applicable Building Limit(s) of Insurance 2. For which you have required, through the

shown in the Schedule below for the Insured lease or mortgage agreement, the lessee or

Contingent Locations sustaining covered loss mortgagor to secure and maintain property or damage; or insurance coverage on the building throughout the term of the lease or mortgage; and 2. Any specific Limit of Insurance under this policy applying to the loss or damage. 3.

Contingent Location(s) in the Schedule be- E. We will not pay for any loss or damage under this

low. Extension until the amount of loss or damage exB. ceeds: If, at the time of loss or damage at an Insured

Contingent Location, the building insurance re- 1. The applicable Deductible amount shown in

quired by the lease or mortgage agreement is not the Declarations or elsewhere in this Coverin effect, or the Limit of Insurance that applies to age Part when the insurance required by the

the required building insurance is inadequate to lease or mortgage agreement is not in effect;

cover the loss or damage to the building, the in- or

surance provided under this policy for direct 2. The lesser of the following amounts when the

physical loss or damage to Building(s) (as pro- insurance required by the lease or mortgage

vided under Section A.1.a. Building(s) and not agreement is in effect, but the Limit of Insurspecifically excluded under Section A.2. Property ance that applies to the required insurance is

and Costs Not Covered) is extended to apply to inadequate to cover the loss or damage:

the uninsured direct physical loss or damage to

a. The sum of the following amounts, sub- Building(s) at an Insured Contingent Location

ject to a minimum total amount equal to provided:

the applicable Deductible amount shown 1. Such loss would have been covered by the in the Declarations or elsewhere in this

required insurance had the required insur- Coverage Part: ance been in effect at adequate limits; and (1) The applicable Limit(s) of Insurance

2. Such loss or damage is not otherwise ex- under the required insurance; and

cluded under this policy. (2) Any applicable deductible amounts C. When the Causes of Loss – Broad Form Flood under the required insurance; endorsement, Causes of Loss – Earthquake enor dorsement or Causes of Loss – Earthquake

Sprinkler Leakage endorsement is attached to b. The sum of the following amounts:

this Coverage Part, such causes of loss shall not (1) The applicable Limit(s) of Insurance

be considered Covered Causes of Loss under under the required insurance; and

this Extension.

(2) The applicable Deductible amount D. The insurance provided under this Extension for shown in the Declarations or else- Building(s) at Insured Contingent Locations ap- where in this Coverage Part. plies on a scheduled limits basis. Any blanket

Limit(s) of Insurance shown in the Declarations

DX T4 77 11 12 Page 1 of 2

Which are described and identified as Insured

© 2011 The Travelers Indemnity Company. All rights reserved.

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Travelers Doc Mgmt 79 of 274
We will then pay the amount of loss or damage in quired by the lease or mortgage agreement for an

excess of the amount described in 1. or 2. above, Insured Contingent Location. We will charge you

up to the applicable Limit of Insurance. additional premium for the period of time the required insurance is not in effect, beginning on the F. You must notify us as soon as possible after you

date the required insurance lapses. become aware of any lapse in the insurance reSCHEDULE

Insured Contingent Location: Limit of Insurance:

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LOCATION 22 $3,015,216

Travelers Doc Mgmt 80 of 274
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

DELUXE PROPERTY COVERAGE PART AMENDATORY ENDORSEMENT

CAUSES OF LOSS – EARTHQUAKE

This endorsement modifies insurance provided under the following:

DELUXE PROPERTY COVERAGE PART

A. APPLICATION OF THIS ENDORSEMENT 3. This endorsement does not apply to, or modify, any limits or deductibles that apply to: 1. This endorsement applies at the premises location(s) of the building number(s) for which a. The insurance otherwise provided under

an Earthquake Limit of Insurance is shown in this Coverage Part for loss or damage by

the Declarations. fire or explosion that results from earth

movement other than volcanic eruption, This endorsement also applies to: explosion or effusion, or for loss or dama. The Newly Constructed or Acquired age by fire, building glass breakage or

Property Coverage Extension in the De- volcanic action that results from a volluxe Property Coverage Form; canic eruption, explosion or effusion; or

b. The Newly Acquired Locations Coverage b. Any other insurance provided under this

Extension in the Business Income (And Coverage Part for loss or damage to

Extra Expense), Business Income (With- which the Earth Movement exclusion

out Extra Expense) and Extra Expense does not apply. Coverage Forms; B. COVERED CAUSES OF LOSS

c. The Civil Authority Additional Coverage in

The following are added to the Covered Causes

the Business Income (And Extra Exof Loss and the "specified causes of loss": pense), Business Income (Without Extra

Expense) and Extra Expense Coverage 1. Earthquake, meaning a shaking or trembling

Forms, but only with respect to such loss of the earth's crust, caused by underground

of Business Income and/or Extra Ex- volcanic or tectonic forces or by breaking or

pense incurred at the premises of the shifting of rock beneath the surface of the

building number(s) for which an Earth- ground from natural causes.

quake Limit of Insurance is shown in the 2. Volcanic Eruption, meaning the eruption, exDeclarations; and plosion or effusion of a volcano.

d. Utility Services – Direct Damage or Utility All earthquake shocks or volcanic eruptions that

Services – Time Element coverage pro- occur within any 168-hour period will constitute a

vided under this Coverage Part, if any, single Earthquake or Volcanic Eruption. The expi- but only with respect to such direct dam- ration of this policy will not reduce the 168-hour

age loss or loss of Business Income period. and/or Extra Expense that is incurred at C. EXCLUSIONS, LIMITATIONS AND RELATED the premises of the building number(s) for PROVISIONS which an Earthquake Limit of Insurance is

shown in the Declarations. 1. The Earth Movement exclusion contained in

Section C.1.b. of the Deluxe Property Cover- 2. Except as provided in A.1.a. through A.1.d.

age Form does not apply to the coverage above, this endorsement does not apply to

provided under this endorsement. The re- loss or damage caused by or resulting from

maining Exclusions and the Limitations that Earthquake or Volcanic Eruption that occurs

apply to this Coverage Part apply to the cov- away from the premises location(s) of the

erage provided under this endorsement. For building number(s) for which an Earthquake

example, loss caused directly or indirectly by Limit of Insurance is shown in the Declaraa cause of loss excluded under provisions tions.

(1)(a) through (1)(e) of the Water exclusion

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Travelers Doc Mgmt 81 of 274
contained in Section C.1.l. of the Deluxe E. LIMITS OF INSURANCE

Property Coverage Form, such as flood or 1. The most we will pay under this endorsement

tidal wave, is excluded even if the flood or for the total of all loss or damage caused by

tidal wave is attributable to an Earthquake or or resulting from all earthquakes and volcanic

Volcanic Eruption. eruptions in a 12 month period of this policy

2. The following additional exclusions apply to (beginning with the effective date of this polthe coverage provided under this endorse- icy) is the single highest Annual Aggregate

ment: Limit of Insurance shown in the Declarations

for Earthquake. a. We will not pay for loss or damage

caused by or resulting from any earth- Subject to the single highest Annual Aggrequake or volcanic eruption that begins be- gate Limit of Insurance shown in the Declarafore the inception of this insurance. tions for Earthquake:

b. We will not pay for the cost of restoring or a. Any individual Annual Aggregate Limit of

stabilizing land or for loss resulting from Insurance shown in the Declarations for

the time required to restore or stabilize Earthquake is the most we will pay under

land. this endorsement for the total of all loss or

damage caused by or resulting from all 3. The following additional Limitation applies to

earthquakes and volcanic eruptions in a the coverage provided by this endorsement: 12 month period of this policy (beginning We will not pay for loss of or damage to exte- with the effective date of this policy) to

rior masonry veneer (except stucco) on wood which such individual Annual Aggregate

frame walls caused by or resulting from Limit of Insurance shown in the DeclaraEarthquake or Volcanic Eruption. The value tions for Earthquake applies. of such veneer will not be included in the b. If more than one Annual Aggregate Limit value of Covered Property or the amount of

of Insurance applies to loss or damage loss when applying the Deductible applicable

under this endorsement in any one occur- to this endorsement.

rence, each limit will be applied sepa- This limitation does not apply: rately, but the most we will pay under this

a. If less than 10% of the total outside wall endorsement for all loss or damage in

area is faced with masonry veneer (ex- that occurrence is the single highest including stucco); or volved Annual Aggregate Limit of Insurance applicable to that occurrence. b. At any premises location(s) of the building

number(s) to which the Cause of Loss – c. The most we will pay under this enEarthquake Masonry Veneer Coverage dorsement for the total of:

endorsement applies, as indicated in the (1) All loss or damage under the Newly Schedule of that endorsement when it is Constructed or Acquired Property attached to this policy. Coverage Extension in the Deluxe

D. UNDERGROUND WIRES, PIPES, FLUES AND Property Coverage Form; and

DRAINS EXTENSION (2) All loss under the Newly Acquired

Under the Deluxe Property Coverage Form, when Locations Coverage Extension in the

Building coverage applies at premises locations Business Income (And Extra Exto which this endorsement applies, the insurance pense), Business Income (Without

provided by this endorsement is extended to also Extra Expense) and Extra Expense

apply to direct physical loss or damage by Earth- Coverage Forms;

quake or Volcanic Eruption to underground wires, caused by or resulting from all earthpipes, flues and drains at such premises loca- quakes and volcanic eruptions in a 12

tions. The exclusion of underground wires, pipes, month period of this policy (beginning

flues and drains under Section A.2., Property and with the effective date of this policy) is

Costs Not Covered, of the Deluxe Property Cov- $100,000. erage Form does not apply to this Extension. The Annual Aggregate Limit(s) of Insurance

This Extension does not increase the Earthquake applicable to loss or damage under this enLimit of Insurance that applies at such premises dorsement is included in and does not inlocations. crease the Limits of Insurance provided under

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Travelers Doc Mgmt 82 of 274
this Coverage Part. For example, subject to (2) The building and to personal property

the applicable Earthquake Annual Aggregate in that building, if both sustain loss or

Limit(s) of Insurance, our payment for loss damage;

under any Utility Services – Direct Damage or (3) Personal property at each building, if

Utility Services –Time Element coverage that personal property at two or more

is attributable to an Earthquake or Volcanic buildings sustains loss or damage; Eruption to which this endorsement applies (4) Personal property in the open; and will not exceed the Limit of Insurance that applies to that Utility Services – Direct Damage (5) Any other property insured under this

or Utility Services –Time Element coverage. Coverage Part.

2. The Annual Aggregate Limit(s) of Insurance b. In determining the amount, if any, that we

applicable to loss or damage under this en- will pay for loss or damage, we will dedorsement applies regardless of the items or duct an amount equal to 1%, 2%, 5% or

types of property, number or types of cover- 10% (as shown in the Declarations) of:

ages (including business income and extra (1) The Limit of Insurance applicable to

expense coverages) or number of premises each item of insurance that has suslocations involved. Amounts payable under tained loss or damage when specific this endorsement for any item or type of insurance applies to that item of inproperty, or under any coverage, Additional surance, meaning a separate Limit of Coverage or Coverage Extension, are subject Insurance applies only to that item of

to the Annual Aggregate Limit(s) of Insurance insurance (for example, each building

applicable to loss or damage under this en- or personal property in a building); or dorsement, and will not: (2) The value of each item of insurance

a. Exceed the applicable property and cov- that has sustained loss or damage

erage Limits of Insurance provided under when blanket insurance applies to this Coverage Part; nor that item of insurance, meaning a

b. Increase the applicable Annual Aggregate single Limit of Insurance applies to

Limit(s) of Insurance under this endorse- two or more items of insurance (for

ment. example, a building and personal

property in that building or two build- This includes payments under any Debris

ings). The value to be used is the Removal or Ordinance or Law coverage for

value shown in the most recent loss that is attributable to earthquake or volStatement of Values on file with us. If canic eruption at premises locations to which

there is no value on file with us for this endorsement applies, and covered as a

the item of insurance property, we will result of the insurance provided under this

use the value(s) of the property at the endorsement.

time of loss. F. DEDUCTIBLES

For newly constructed or acquired prop- The following Deductible provisions apply to the erty to which the Newly Constructed or

insurance provided by this endorsement. The De- Acquired Property Coverage Extension in

ductible(s) applicable to loss or damage under the Deluxe Property Coverage Form apthis endorsement apply separately to each occur- plies, we will deduct an amount equal to a

rence and apply in addition to any other Deducti- percentage of the value of each item of

bles in this Coverage Part that apply to loss or insurance at the time of loss. The appli- damage in the same occurrence. cable percentage used will be the highest

1. Percent Deductible percentage that applies at the premises

location of any building number for which If a percentage (%) is shown in the Declaraa percentage Deductible is shown in the tions as applicable, the following applies: Declarations.

a. This Deductible is calculated separately c. When the percentage Deductible shown for, and applies separately to each of the

in the Declarations is subject to: following items of insurance:

(1) A minimum dollar amount in any one (1) Each building, if two or more buildoccurrence; or ings sustain loss or damage;

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Travelers Doc Mgmt 83 of 274
(2) A minimum dollar amount in any one 3. Hour Deductible

occurrence at each premises loca- When an hour Deductible is stated in the

tion; Declarations, the following is applicable to

the percentage Deductible will be calcu- your Business Income Coverage to which this

lated as described in 1.a. and 1.b. above, endorsement applies:

but the minimum amount we will deduct in

any one occurrence, or in any one occur- any one occurrence that you incur during the

rence at each premises location (as indi- period of time that: cated in the Declarations), is the minimum dollar amount sho a. Begins at the time of direct physical loss wn in the Declaraor damage by Earthquake or Volcanic tions.

Eruption that triggers the Business In- d. We will not pay for loss or damage in any come coverage; and

one occurrence under this endorsement

b. Continues for the consecutive number of until the amount of loss or damage exceeds the applicable Deductible. We will hours shown in the Declarations as the

applicable Business Income hour De- then pay the amount of loss or damage in

excess of ductible. the Deductible, up to the applicable Limits of Insurance. The Deductible applicable to Business In2. Dollar Deductible come coverage at locations to which the

When: Newly Acquired Locations Coverage Extension in the Business Income (and Extra Exa. A dollar amount in any one occurrence; or pense) Coverage Form or Business Income

b. A dollar amount in any one occurrence at (Without Extra Expense) Coverage Form apeach premises location; plies, is the highest hour Deductible shown in

is shown as the applicable Deductible in the the Declarations for any premises location to

Declarations, we will not pay which this endorsement applies. for loss or damage in any one occurrence, or in any one oc- 4. No Deductible applies to Extra Expense.

currence at each premises location (as indi5. When a Deductible is shown in the Declara- cated in the Declarations), until the amount of

tions for Utility Service – Direct Damage cov- loss or damage exceeds the applicable Deerage or Utility Services – Time Element cov- ductible shown in the Declarations. We will

erage, that Deductible will apply to the insur- then pay the amount of loss or damage in excess of the Deductible, up to the applicable ance provided under the Utility Service –

Limits of Insurance. Direct Damage coverage or Utility Services – Time Element coverage for loss that is attrib- When no percentage Deductible applies to

utable to an Earthquake or Volcanic Eruption the insurance provided under this endorsement, to which this endorsement applies. Other- the Deductible applicable to newly acwise, the above Deductible provisions apply quired or constructed property to which the

Newly Con to loss under the Utility Service – Direct Dam- structed or Acquired Property

Coverage Extension age coverage or Utility Services – Time Ele- in the Deluxe Property

Coverage Form applies is the highest dollar ment coverage that is attributable to an

Deductible shown in the Declarations for the Earthquake or Volcanic Eruption to which this

premises location of any building number to endorsement applies.

which this endorsement applies.

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We will not pay for loss of Business Income in

Travelers Doc Mgmt 84 of 274
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

DELUXE PROPERTY COVERAGE PART AMENDATORY ENDORSEMENT

CAUSES OF LOSS – BROAD FORM FLOOD

This endorsement modifies insurance provided under the following:

DELUXE PROPERTY COVERAGE PART

A. APPLICATION OF THIS ENDORSEMENT or damage to any personal property in or on

such building or structure. 1. When a Broad Form Flood Limit of Insurance

is shown in the Declarations for a building The following listing of Flood Zones and

number, this endorsement applies at the communities, as classified under the National

premises location(s) of such building num- Flood Insurance Program, is in order of the

ber(s) for which a Broad Form Flood Limit of most hazardous to least hazardous:

Insurance is shown. a. Flood Zone V and Flood Zones prefixed

2. When a Broad Form Flood Limit of Insurance V;

is shown in the Declarations for property at b. Flood Zone A and Flood Zones prefixed

the described premises within a Flood Zone A;

or a non-participating or suspended commuc. Flood Zone D; nity (as classified under the National Flood

Insurance Program), this endorsement ap- d. Non-Participating or Suspended commuplies at nities; the premises described in the Declarations for coverage under this Coverage Part e. Flood Zone B, Flood Zone X (shaded)

with respect to covered loss resulting from and Flood Zone X-500; "flood" to buildings, structures or personal f. Flood Zone C and Flood Zone X (un- property in the open within such Flood shaded). Zone(s) or community(ies) for which a Broad 3. This endorsement also applies to: Form Flood Limit of Insurance is shown, or to

personal property at the described premises a. The Newly Constructed or Acquired

in or on the buildings or structures within such Property Coverage Extension in the DeFlood Zone(s) or community(ies). luxe Property Coverage Form, regardless

of the Flood Zone or community in which If, at the time of loss, a building, a structure or

the property is located; personal property in the open is located within

more than one Flood Zone or community, b. The Newly Acquired Locations Coverage

coverage under this endorsement for loss or Extension in the Business Income (And

damage to, or loss that is a consequence of Extra Expense), Business Income (Withloss or damage to that building, structure or out Extra Expense) and Extra Expense

personal property in the open will be subject Coverage Forms, regardless of the Flood

to the insurance, Annual Aggregate Limit of Zone or community in which the newly

Insurance and deductible, if any, that would acquired locations are located;

apply under this policy if that building, struc- c. The Civil Authority Additional Coverage in

ture or personal property in the open was the Business Income (And Extra Exwholly located within the most hazardous of pense), Business Income (Without Extra

the Flood Zones or communities, as stated Expense) and Extra Expense Coverage

below, in which it is located. The most haz- Forms, regardless of the Flood Zone or

ardous Flood Zone or community that is de- community in which the "flood" loss that

termined to apply to a building or structure will triggers the coverage occurs, but only also apply with respect to the coverage under with respect to such loss of Business Inthis endorsement for loss or damage to, or come and/or Extra Expense that you inloss or damage that is a consequence of loss

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Travelers Doc Mgmt 85 of 274
cur at the premises described in A.1. or date of this policy and the "flood" occurrence exA.2. above; and tends beyond the expiration date of this policy,

the expiration date of this policy will not reduce d. Utility Services – Direct Damage or Utility the "flood" occurrence period. Services – Time Element coverage provided under this Coverage Part, if any, C. FLOOD DEFINED

regardless of the Flood Zone or commu- The following is added to the Section J., Defininity in which the "flood" loss to the utility

services property that triggers the cover- "Flood" means the following, all whether naturally age occurs, but only with respect to such

occurring or due to man-made or other artificial direct damage loss or loss of Business

causes, and includes waterborne material carried Income and/or Extra Expense that is inor otherwise moved by any of the water referred curred at the premises described in A.1.

to in paragraphs 1., 3. and 4. below and material or A.2. above.

carried or otherwise moved by mudslide or mud4. Except as provided in A.3.a. through A.3.d. flow:

above, this endorsement does not apply to 1. Flood, surface water, waves (including tidal loss or damage caused by or resulting from

wave and tsunami), tides, tidal water, over- "flood" that occurs away from the premises

flow of any body of water, or spray from any described in A.1. and A.2. above.

of these, all whether driven by wind (including 5. This endorsement does not apply to, or mod- storm surge) or not;

ify, any limits or deductibles that apply to: 2. Mudslide or mudflow;

a. The insurance otherwise provided under 3. Water or sewage that backs up, overflows or this Coverage Part for loss or damage by:

is otherwise discharged from a sewer, drain, (1) Fire, explosion or sprinkler leakage sump, sump pump or related equipment

that results from "flood"; or (other than the backup or overflow of water or

(2) Water or sewage from drains within a sewage from drains within a building to which

building if the backup or overflow is the exception in provision (c) of the Water exnot otherwise directly or indirectly clusion in Section C.1.l. of the Deluxe Propcaused by Water that is excluded in erty Coverage Form applies); and

provisions (a), (b), (d) or (e) of the 4. Water under the ground surface pressing on,

Water exclusion in Section C.1.l. of or flowing or seeping through:

the Deluxe Property Coverage Form; a. Foundations, walls, floors or paved suror faces;

b. Any other insurance provided under this b. Basements, whether paved or not; or Coverage Part for loss or damage to

c. Doors, windows or other openings. which the Water exclusion in Section

C.1.l. of the Deluxe Property Coverage D. EXCLUSIONS, LIMITATIONS AND RELATED

Form does not apply. PROVISIONS

B. COVERED CAUSES OF LOSS 1. Under the Exclusions contained in Section

C.1. of the Deluxe Property Coverage Form: "Flood" is added to the Covered Causes of Loss

and the "specified causes of loss". a. Exclusion b., Earth Movement, does not

apply to the insurance otherwise provided All "flood" loss that occurs: under this endorsement for loss or dam1. During a continuous or protracted event, such age caused by or resulting from:

as a period of continued rising or overflow of (1) Mudslide or mudflow that is caused any river(s), stream(s) or any body(ies) of waby or precipitated by the accumula- ter and the subsidence of same within the

tion or runoff of water on or below the banks of such river(s), stream(s) or body(ies) surface of the ground; or of water; or

(2) "Flood" that is attributable to an Earth 2. Due to any tidal wave or series of tidal waves

Movement, such as tsunami, but this that occur within any 168 hour period; exception does not apply to loss or

will constitute a single "flood" occurrence. If damage caused by or from

"flood" loss commences prior to the expiration

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resulting 

tions, in the Deluxe Property Coverage Form:

Travelers Doc Mgmt 86 of 274
any excluded Earth Movement that Constructed or Acquired Property

results from such "Flood". Coverage Extension in the Deluxe

b. Exclusion Property Coverage Form applies. l., Water, does not apply to the

coverage provided under this endorse- b. If the property is eligible to be written unment. der a National Flood Insurance Program

The remaining Exclusions and the Limitations (NFIP) policy, we will pay only for the

that apply to this Coverage Part apply to the amount of loss in excess of the maximum

coverage provided under this endorsement. limit that can be insured under that NFIP

policy. This provision applies whether or 2. The following additional exclusions apply to

the coverage provided under this endorse- or maintained, and whether or not you ment: can collect on the NFIP policy.

a. We will not pay for loss or damage c. The Deductible provisions applicable to caused by or resulting from any "flood" the coverage provided under this enoccurrence that begins before the incep- dorsement apply in addition to any appli- tion of this insurance. cable Excess of Loss Limitation.

b. We will not pay for the cost of restoring, E. UNDERGROUND WIRES, PIPES, FLUES AND recovering or de-watering land or for loss DRAINS EXTENSION resulting from the time required to restore, recover or de-water land. Under the Deluxe Property Coverage Form, when

Building coverage applies at premises locations 3. The following LIMITATION is added as re- to which this endorsement applies, the insurance

spects coverage provided by this endorse- provided by this endorsement is extended to also ment: apply to direct physical loss or damage by "flood"

EXCESS OF LOSS LIMITATION to underground wires, pipes, flues and drains at

a. Unless otherwise such premises locations. The exclusion of under- indicated in the Declaground wires, pipes, flues and drains under Sec- rations or by endorsement, this Excess of

tion A.2., Property and Costs Not Covered, of the Loss Limitation applies to the coverage Deluxe Property Coverage Form does not apply provided for direct physical loss of or

to this Extension. damage to:

(1) Buildings, structures and personal This Extension does not increase the Broad Form

Flood Limit of Insurance that applies at such property in the open which are: premises locations. (a) Covered Property at the premises F. LIMITS OF INSURANCE described in Section A.1. and

A.2. of this endorsement, or 1. The most we will pay under this endorsement

newly constructed or acquired for the total of all loss or damage caused by

property to which the Newly Con- or resulting from "flood" in a 12 month period

structed or Acquired Property of this policy (beginning with the effective

Coverage Extension date of this policy) is the single highest An- in the Denual Aggregate Limit of Insurance shown in luxe Property Coverage Form

the Declarations for Broad Form Flood. applies; and

Subject to the single highest Annual Aggre- (b) Located, in whole or in part, in

gate Limit of Insurance shown in the Declara- Flood Zone A, Flood Zones pretions for Broad Form Flood: fixed A, Flood Zone V or Flood

Zones prefixed V, as classified a. Any individual Annual Aggregate Limit of

under Insurance shown in the Declarations for the National Flood Insurance Program at the time of loss; Broad Form Flood is the most we will pay

under this endorsement for the total of all and loss or damage caused by or resulting

(2) Personal property which is Covered from all "flood" occurrences in a 12 month

Property located in or on a building or period of this policy (beginning with the

structure described in (1) above, and effective date of this policy) to which such

personal property to which the Newly individual Annual Aggregate Limit of InDX T3 02 11 12 © 2011 The Travelers Indemnity Company. All rights reserved. Page 3 of 5

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

not the maximum NFIP limit was obtained

Travelers Doc Mgmt 87 of 274
surance shown in the Declarations for applicable to loss or damage under this enBroad Form Flood applies. dorsement, and will not:

b. If more than one Annual Aggregate Limit a. Exceed the applicable property and covof Insurance applies to loss or damage erage Limits of Insurance provided under

under this endorsement in any one occur- this Coverage Part; nor

rence, each limit will be applied sepa- b. Increase the applicable Annual Aggregate

rately, but the most we will pay under this Limit(s) of Insurance under this endorseendorsement for all loss or damage in ment.

that occurrence is the single highest inThis includes payments under any Debris volved Annual Aggregate Limit of InsurRemoval or Ordinance or Law coverage for ance applicable to that occurrence.

loss that is attributable to "flood" at premises c. The most we will pay under this en- locations to which this endorsement applies, dorsement for the total of: and covered as a result of the insurance pro-

(1) All loss or damage under the Newly vided under this endorsement.

Constructed or Acquired Property G. DEDUCTIBLES

Coverage Extension in the Deluxe

The following Deductible provisions apply to the Property Coverage Form; and

insurance provided by this endorsement. The De- (2) All loss under the Newly Acquired ductible(s) applicable to loss or damage under

Locations Coverage Extension in the this endorsement apply separately to each occurBusiness Income (And Extra Ex- rence and apply in addition to any other Deductipense), Business Income (Without bles in this Coverage Part that apply to loss or

Extra Expense) and Extra Expense damage in the same occurrence. Coverage Forms; 1. Dollar Deductible

caused by or resulting from all "flood" ocWhen: currences in a 12 month period of this

policy (beginning with the effective date of a. A dollar amount in any one occurrence; or

this policy) is $100,000. b. A dollar amount in any one occurrence at

The Annual Aggregate Limit(s) of Insurance each premises location,

applicable to loss or damage under this en- is shown as the applicable deductible in the

dorsement is included in and does not in- Declarations, we will not pay for loss or dam- crease the Limits of Insurance provided under age in any one occurrence, or in any one octhis Coverage Part. For example, subject to currence at each premises location (as indithe applicable Broad Form Flood Annual Ag- cated in the Declarations), until the amount of gregate Limit(s) of Insurance, our payment for loss or damage exceeds the applicable Deloss under any Utility Services – Direct Dam- ductible shown in the Declarations. We will

age or Utility Services –Time Element cover- then pay the amount of loss or damage in exage that is attributable to "flood" to which this cess of the Deductible, up to the applicable endorsement applies will not exceed the Limit Limits of Insurance. of Insurance that applies to that Utility SerThe Deductible applicable to newly acquired vices – Direct Damage or Utility Services –

or constructed property to which the Newly Time Element coverage. Constructed or Acquired Property Coverage 2. The Annual Aggregate Limit(s) of Insurance Extension in the Deluxe Property Coverage

applicable to loss or damage under this en- Form applies is the highest dollar deductible

dorsement applies regardless of the items or shown in the Declarations for any premises

types of property, number or types of cover- location to which this endorsement applies. ages (including business income and extra

2. Hour Deductible expense coverages) or number of premises

locations involved. Amounts payable under When an hour Deductible is stated in the

this endorsement for any item or type of Declarations, the following is applicable to

property, or under any coverage, Additional your Business Income Coverage to which this

Coverage or Coverage Extension, are subject endorsement applies:

to the Annual Aggregate Limit(s) of Insurance

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Travelers Doc Mgmt 88 of 274
the Declarations for any premises location to

any one occurrence that you incur during the which this endorsement applies.

period of time that: 3. No Deductible applies to Extra Expense.

a. Begins at the time of direct physical loss 4. When a Deductible is shown in the Declaraor damage by "flood" that triggers the tions for Utility Service – Direct Damage covBusiness Income coverage; and erage or Utility Services – Time Element covb. Continues for the consecutive number of erage, that Deductible will apply to the insurhours shown in the Declarations as the ance provided under the Utility Service – Diapplicable Business Income hour de- rect Damage coverage or Utility Services –

ductible. Time Element coverage for loss that is attributable to "flood" to which this endorsement The Deductible applicable to Business Inapplies. Otherwise, the above Deductible come coverage at locations to which the

provisions apply to loss under the Utility Ser- Newly Acquired Locations Coverage Extenvice – Direct Damage coverage or Utility Ser- sion in the Business Income (and Extra Exvices – Time Element coverage that is attrib- pense) Coverage Form or Business Income

utable to "flood" to which this endorsement (Without Extra Expense) Coverage Form ap- applies. plies, is the highest hour Deductible shown in

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We will not pay for loss of Business Income in

Travelers Doc Mgmt 89 of 274
POLICY NUMBER: ISSUE DATE:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

DELUXE PROPERTY COVERAGE PART AMENDATORY ENDORSEMENT

CAUSES OF LOSS – EQUIPMENT BREAKDOWN

This endorsement modifies insurance provided under the Deluxe Property Coverage Part.

A. ADDITIONAL COVERED CAUSE OF LOSS – direct result of the same cause will also

EQUIPMENT BREAKDOWN be considered one Equipment Breakdown. Covered Causes of Loss and "specified causes of

loss" are extended to include Equipment Break- 2. Covered Equipment

down, meaning a Breakdown to Covered Equip- a. Covered Equipment means equipment of

ment as defined and limited in this endorsement. a type listed in provision 2.b. below that

1. Breakdown is:

a. Breakdown means: (1) At any of the following locations:

(1) Failure of pressure or vacuum (a) At or within 1,000 feet of the deequipment; scribed premises; or

(2) Mechanical failure, including rupture (b) At any of the following locations,

or bursting caused by centrifugal but only to the extent that coverforce; or age for direct physical loss or

damage to Covered Property at (3) Electrical failure, including arcing; such locations or for Business Inthat causes physical damage to Covered come and/or Extra Expense reEquipment and necessitates its repair or sulting from direct physical loss

replacement. or damage to property at such lob. Breakdown does not mean or include: cations is otherwise specifically

insured and limited under this (1) Malfunction including but not limited

Coverage Part: to adjustment, alignment, calibration,

cleaning or modification; (i) Newly acquired or constructed property locations, or (2) Leakage at any valve, fitting, shaft

within 1,000 feet of such lo- seal, gland packing, joint or conneccations; tion;

(ii) Undescribed premises; or (3) Damage to any vacuum tube, gas

tube, or brush; (iii) "Dependent property" locations; (4) Damage to any structure or foundation supporting the Covered Equip- and

ment or any of its parts; (2) (a) Owned or leased by you or oper-

(5) The functioning of any safety or pro- ated under your control; or

tective device; or (b) Owned or leased by, or operated

(6) The cracking of any part on an inter- under the control of others who

nal combustion gas turbine exposed own, lease or operate the undeto the products of combustion. scribed premises or "dependent

property" locations where the in- c. If an initial Equipment Breakdown causes

surance provided under this Cov- other Equipment Breakdowns, all will be

erage Part applies; considered one Equipment Breakdown.

All Equipment Breakdowns that manifest and

themselves at the same time and are the

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Travelers Doc Mgmt 90 of 274
(3) Not otherwise excluded under provi- (10) Felt, wire, screen, mold, form, patsion 2.c. below. tern, die, extrusion plate, swing

hammer, grinding disc, cutting blade, b. Covered Equipment includes the follownon-electrical cable, chain, belt, rope, ing types of equipment: clutch plate, brake pad, non-metal (1) Equipment designed and built to op- part or any part or tool subject to pe- erate under internal pressure or vac- riodic replacement; uum other than weight of contents; (11) Astronomical telescope, cyclotron, (2) Electrical or mechanical equipment nuclear reactor, particle accelerator,

that is used in the generation, trans- satellites and/or spacecraft (including mission or utilization of energy; and satellite or spacecraft contents and/or

(3) Fiber optic cable. their launch sites);

c. Covered Equipment does not mean or in- (12) Computer equipment or electronic

clude any: data processing equipment unless

used to control or operate production- (1) Electronic data processing, recording

type machinery or other equipment or storage media such as films, that is Covered Equipment; tapes, discs, drums or cells;

(13) Equipment or any part of such (2) Part of pressure or vacuum equip- equipment manufactured by you for ment that is not under internal pres- sale; or sure of its contents or internal vacuum; (14) Equipment while in the due course of

transit. (3) Insulating or refractory material;

B. EQUIPMENT BREAKDOWN COVERAGE EX- (4) Non-metallic pressure or vacuum TENSIONS equipment, unless it is constructed

and used in accordance with the 1. Spoilage

American Society of Mechanical En- a. Under the Deluxe Property Coverage

gineers (A.S.M.E.) code or a Code Form, the insurance that applies to Your

that has been accepted by the Na- Business Personal Property and Personal

tional Board of Boiler and Pressure Property of Others is extended to apply to Vessel Inspectors; direct physical loss or damage to such

(5) Catalyst; Covered Property that is:

(6) Pressure vessels and piping that are (1) Maintained under controlled condiburied below ground and require the tions for its preservation; and

excavation of materials to inspect, (2) Susceptible to loss or damage if the

remove, repair or replace; controlled conditions change;

(7) Structure, foundation, cabinet or due to spoilage resulting from lack or excompartment supporting or contain- cess of power, light, heat, steam or reing the Covered Equipment or part of frigeration that is caused solely by a

the Covered Equipment including Breakdown to Covered Equipment. penstock, draft tube or well casing;

Insurance under this Coverage Extension (8) Vehicle, aircraft, self-propelled includes the reasonable expense you inequipment or floating vessel, includ- cur to reduce or avert the spoilage loss or

ing any equipment mounted on or damage, but only to the extent the

used solely with any vehicle, aircraft, amount of loss otherwise payable under

self-propelled equipment or floating this Coverage Extension is reduced. vessel; b. The most we will pay for loss or damage (9) Dragline, power shovel, excavation or under this Coverage Extension arising out construction equipment including any of any one Equipment Breakdown is the equipment mounted on or used solely Spoilage Limit of Insurance shown in the with any dragline, power shovel, ex- Schedule of this endorsement. This limit cavation or construction equipment; is part of and not in addition to the Limit of

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Travelers Doc Mgmt 91 of 274
Insurance that applies to the lost or dam- 2. The following additional Exclusions apply to

aged Covered Property. the insurance provided by this endorsement:

c. We will not pay for any loss or damage We will not pay for loss or damage caused diunder rectly or indirectly by any of the following. this Coverage Extension that reSuch loss or damage is excluded regardless sults from your failure to use due diliof any other cause or event that contributes gence and dispatch and all reasonable

means concurrently or in any sequence to the loss. to protect the property from spoilage damage following a Breakdown to a. Lack or excess of power, light, heat,

Covered Equipment. steam or refrigeration. But this Exclusion

does not apply to: 2. Utility Services Property

(1) Business Income coverage or Extra a. Subject to provision 2.b. below, Covered Expense coverage; or Equipment is extended to include equipment, wherever (2) The Spoilage Coverage Extension or located within the Coverage Territory, that is: Utility Services Property Coverage

Extension; (1) Owned, operated or controlled by a b. Hydrostatic, pneumatic or gas pressure local public or private utility or distesting of any boiler, fired vessel or elec- tributor that directly generates,

trical steam generator; or transmits, distributes or provides utility services to the described prem- c. Insulation breakdown testing of any type

of electrical or electronic equipment. ises; and

(2) Used to supply water, communication D. EQUIPMENT BREAKDOWN LIMITATIONS

or power services to the described All of the Limitations that apply to this Coverage

premises. Part apply to loss or damage under this endorsement, except as follows: b. This Coverage Extension applies:

1. Under the Limitations contained in Section D. (1) Only with respect to; and

of the Deluxe Property Coverage Form, Limi-

(2) Subject to the Limit(s) of Insurance tations 1.a. and 1.b. do not apply.

that apply to; 2. The following additional Limitations apply to

the insurance, if any, otherwise provided the insurance provided by this endorsement.

under this Coverage Part for loss or dam- These Limitations are included in, and do not

age caused by an interruption of power or increase the applicable Limit(s) of Insurance.

other utility service supplied to the de- a. Ammonia Contamination Limitation

scribed premises caused by or resulting The most we will pay for loss or damage from a Covered Cause of Loss to the utility services equipment described in 2.a. to property caused by ammonia contamination that directly results from a Break- above. down to Covered Equipment is the AmC. EQUIPMENT BREAKDOWN EXCLUSIONS monia Contamination Limit of Insurance

All shown in the Schedule of this endorse- of the Exclusions that apply to this Coverage

ment. Part apply to loss or damage under this endorsement, except as follows: This limitation does not apply to Business

Income coverage or to Extra Expense 1. Under the Exclusions contained in Section C.

coverage. of the Deluxe Property Coverage Form, the

following Exclusions do not apply: b. Hazardous Substance Limitation

a. Exclusion C.2.d. Electrical Damage or If as a direct result of a Breakdown to

Disturbance; Covered Equipment, property is damaged, contaminated or polluted by a sub- b. Exclusion C.2.i.(6) mechanical break- stance, other than ammonia, that is dedown under the Other Type of Losses

clared to be hazardous to health by a

Exclusion; and governmental agency, the Hazardous

c. Exclusion C.2.e. Explosion. Substance Limit of Insurance shown in

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Travelers Doc Mgmt 92 of 274
the Schedule of this endorsement is the a. Dollar Deductible

most we will pay for: If a dollar deductible is shown in the

(1) Any additional expenses you incur to Schedule, we will not pay for loss or

clean up, repair, replace or dispose of damage until the amount of loss or damany such property that is Covered age to which the deductible applies exProperty under this Coverage Part; ceeds the applicable dollar deductible.

and We will then pay the amount of loss or

(2) Any increase in loss of Business In- damage in excess of the dollar deducticome or Extra Expense due to the ble, up to the applicable Limit of Insuradditional time required to clean up, ance.

repair, replace or dispose of the b. Time Period Deductible property, provided Business Income

or Extra Expense loss resulting from If a time period deductible is shown in the

damage to such property is otherwise Schedule, we will not pay for any loss to

insured against under this Coverage which the deductible applies that occurs

Part. Subject to the Hazardous Sub- during the specified time period immedistance Limit of Insurance, the term ately following a Breakdown to Covered

"period of restoration", as used in the Equipment.

Business Income and/or Extra Ex- c. Average Daily Value Deductible

pense insurance provided under this

Coverage Part is extended to include If an average daily value deductible is

this additional period of time. shown in the Schedule, this deductible

will be calculated as follows: As used in this Limitation, additional expenses and increase in loss mean ex- (1) For all of the described premises

penses and loss incurred beyond the ex- where you incur Business Income or

penses and loss for which we would have Extra Expense loss due to a Breakbeen liable had no substance declared to down to Covered Equipment, deterbe hazardous to health by a governmen- mine the total amount of Business Intal agency been involved. come that would have been earned

E. EQUIPMENT BREAKDOWN LIMITS OF IN- or incurred by you during the "period

SURANCE of restoration" had no Breakdown to

Covered Equipment occurred. 1. The insurance provided under this endorsement for loss or damage caused by or result- (2) Divide the amount determined in

ing from Equipment Breakdown is included in, paragraph (1) by the number of days

and does not increase the Covered Property, the business would have been open

Business Income, Extra Expense and other during the "period of restoration". The

coverage Limits of Insurance that otherwise result is the average daily value.

apply under this Coverage Part. (3) Multiply the average daily value in

2. Payments under the Equipment Breakdown paragraph (2) by the Multiple of AvCoverage Extensions will not increase the erage Daily Value shown in the

applicable Limit(s) of Insurance. Schedule. We will first subtract this

F. EQUIPMENT BREAKDOWN DEDUCTIBLE deductible amount from any loss we

1. Unless otherwise indicated in the Schedule of would otherwise pay. We will then

this endorsement, the insurance provided un- pay the amount of loss or damage in

der this endorsement for loss or damage excess of the deductible, up to the

caused by or resulting from Equipment applicable Limit of Insurance.

Breakdown is subject to the deductibles that d. Percentage of Loss Deductible

otherwise apply under this Coverage Part.

If a deductible is expressed as a percent- 2. When one or more separate deductibles are age of loss in the Schedule, we will not be

indicated in the Schedule of this endorse- liable for the indicated percentage of the

ment, each such deductible shall be applied

gross amount of loss or damage insured separately to the applicable coverage for under the applicable coverage.

Page 4 of 6 DX T3 19 11 12

which the deductible is indicated, as follows:

© 2011 The Travelers Indemnity Company. All rights reserved.

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Travelers Doc Mgmt 93 of 274
G. EQUIPMENT BREAKDOWN ADDITIONAL 1. Your last known address; or

CONDITION 2. The address where the Covered Equipment is

The following Additional Condition applies to the located.

insurance provided under this endorsement: Once suspended in this way, such insurance can

Suspension only be reinstated by a written endorsement issued by us. If we suspend your insurance, you If any Covered Equipment is found to be in, or will get a pro rata refund of premium for that Cov- exposed to a dangerous condition, any of our rep- ered Equipment. But the suspension will be effec- resentatives may immediately suspend the insur- tive even if we have not yet made or offered a re- ance provided by this endorsement for loss or fund. damage caused by or resulting from a Breakdown

to that Covered Equipment. This can be done by

DX T3 19 11 12 Page 5 of 6

delivering or mailing a notice of suspension to:

© 2011 The Travelers Indemnity Company. All rights reserved.

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

Travelers Doc Mgmt 94 of 274
EQUIPMENT BREAKDOWN SCHEDULE

Limits of Insurance:

• Spoilage: $25,000 unless a higher amount is shown: $

• Ammonia Contamination: $25,000 unless a higher amount is shown: $

• Hazardous Substance: $25,000 unless a higher amount is shown: $

Deductible Exceptions: Deluxe Property Coverage Part Deductibles apply to loss or damage under this endorsement, except as follows:

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Travelers Doc Mgmt 95 of 274
POLICY NUMBER: ISSUE DATE:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

DELUXE PROPERTY COVERAGE PART AMENDATORY ENDORSEMENT

ORDINANCE OR LAW COVERAGE

This endorsement modifies insurance provided under the following:

DELUXE PROPERTY COVERAGE FORM

A. The Ordinance or Law Additional Coverage in 3. Coverage C – Increased Cost of ConstrucSection A.3.h. of the Deluxe Property Coverage tion Coverage

Form is replaced by the terms and conditions of a. If a Coverage C Limit of Insurance is indithis endorsement for the premises location(s) and cated in the Schedule below for a covbuilding(s) shown in the Schedule below. ered building, we will pay under Coverage

B. Each Coverage – Coverage A, Coverage B and C the increased cost to:

Coverage C – applies only if that Coverage(s) is (1) Repair or reconstruct damaged porchosen by entry in the Schedule below and then tions of that building; or

only with respect to the building identified for that (2) Reconstruct or remodel undamaged Coverage in the Schedule. portions of that building, whether or

C. In the event of covered direct physical loss or not demolition is required;

damage to a building that is Covered Property, when the increased cost is a consewe will provide each of the following coverages quence of enforcement of the minimum

that apply to that lost or damaged building, as in- requirements of the ordinance or law. dicated in the Schedule below: This Coverage C applies only if the re1. Coverage A – Coverage For Loss to the stored or remodeled property is intended

Undamaged Portion of the Building for similar occupancy as the current

property, unless such occupancy is not If Coverage A is indicated as applicable by an

permitted by zoning or land use ordi- "X" in the Schedule below for a covered buildnance or law. This Coverage C does not ing, we will pay under Coverage A for the loss

apply if the building is not repaired, re- in value of the undamaged portion of that

constructed or remodeled. building as a consequence of enforcement of

an ordinance or law that requires demolition b. When a covered building is damaged or

of undamaged parts of the same building. destroyed by a Covered Cause of Loss

and Coverage C applies to that property Coverage A is included in the Limit of Insur- in accordance with 3.a. above, coverage

ance (subject to any applicable Blanket Limi- for the increased cost of construction also tation Clause or coinsurance provision) applies to repair or reconstruction of the shown in the Declarations as applicable to following, subject to the same conditions

that covered building. Coverage A does not stated in 3.a.:

increase the applicable Limit of Insurance. (1) The cost of excavations, grading, 2. Coverage B – Demolition Cost Coverage backfilling and filling;

If a Coverage B Limit of Insurance is indi- (2) Pilings; and

cated in the Schedule below for a covered (3) Underground wires, pipes, flues and building, we will pay under Coverage B the drains. cost to demolish and clear the site of undamaged parts of The items listed in b.(1) through b.(3) that same building, as a conseabove are deleted from Section A.2. quence of enforcement of an ordinance or law

Property and Costs Not Covered of the that requires demolition of such undamaged Deluxe Property Coverage Form, but only property. with respect to the coverage described in

this provision, 3.b.

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Travelers Doc Mgmt 96 of 274
D. The coverages described in C. above apply only if reconstruction, remodeling or remediation of

the provisions in Paragraphs D.1. and D.2. below property due to contamination by "pollutants" are satisfied and are then subject to the qualifica- or due to the presence, growth, proliferation,

tions set forth in Paragraph D.3. below: spread or any activity of "fungus", wet rot or

dry rot; 1. The ordinance or law:

2. The costs associated with the enforcement of a. Regulates the demolition, construction or

any ordinance or law which requires any in- repair of buildings, or establishes zoning

sured or others to test for, monitor, clean up, or land use requirements at the described

remove, contain, treat, detoxify or neutralize, premises; and

or in any way respond to, or assess the ef- b. Is in force at the time of loss. fects of "pollutants", "fungus", wet rot or dry

But coverage under this endorsement applies rot; or

only in response to the minimum require- 3. Loss due to any ordinance or law that: ments of the ordinance or law. Losses and

a. You were required by the ordinance or costs incurred in complying with recommended law to comply with before the loss, even if actions or standards that exceed acthe building was undamaged; and tual requirements are not covered.

b. You failed to comply with. 2. The building either:

F. Loss Payment a. Sustains direct physical loss or damage

that is covered under this Coverage Part The following loss payment provisions F.1.

and such damage results in enforcement through F.4. are subject to the apportionment proof the ordinance or law; or cedures set forth in Section D.3. of this endorsement. b. Sustains both direct physical loss or

damage that is covered under this Cover- 1. When there is a loss in value of an undamage Part and direct physical loss or dam- aged portion of a building to which Coverage

age that is not covered under this Cover- A applies, the loss payment for that building,

age Part and the building damage in its including damaged and undamaged portions,

entirety results in enforcement of the or- will be determined as follows:

dinance or law.

a. If Replacement Cost valuation applies

If the building sustains direct physical loss or and the property is repaired or replaced, damage that is not covered under this Cover- on the same or another location, we will

age Part, and such damage is the subject of not pay more than the lesser of:

the ordinance or law, then there is no coverage under (1) The amount you actually spend to re- this endorsement even if the buildpair, rebuild or reconstruct the build- ing has also sustained covered direct physical

loss or damage. ing, but not for more than the amount

it would cost to restore the building 3. In the situation described in D.2.b. above, we

on the same location and to the same will not pay the full amount of loss otherwise

height, floor area, style and compa- payable under the terms of Coverage A, B or

C rable quality of the original property of this endorsement. Instead, we will pay a

insured; or proportion of such loss. The proportion of

such loss that we will pay is the proportion (2) The Limit of Insurance shown in the

that the covered direct physical loss or dam- Declarations as applicable to the covage bears to the total direct physical loss or ered building .

damage. However, if covered direct physical b. If Replacement Cost valuation applies loss or damage, alone, would have resulted in and property is not repaired or replaced, the enforcement of the ordinance or law, then or if Replacement Cost valuation does not we will pay the full amount of loss otherwise apply, we will not pay more than the payable under the terms of Coverage A, B or lesser of: C of this endorsement.

(1) The Actual Cash Value of the building E. We will not pay under this endorsement for: at the time of loss; or 1. Enforcement of any ordinance or law which

requires the demolition, repair, replacement,

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Travelers Doc Mgmt 97 of 274
(2) The Limit of Insurance shown in the do not apply with respect to the covered

Declarations as applicable to the cov- building that is subject to the Combined Limit,

ered building . and the following loss payment provisions

apply instead: 2. Unless paragraph F.4. applies, loss payment

under Coverage B – Demolition Cost Cover- The most we will pay, for the total of all covage will be determined as follows: ered losses for Demolition Cost and InWe creased Cost of Construction, is the Com- will not pay more than the lesser of the

bined Limit of Insurance shown for Coverages following: B and C in the Schedule below. Subject to

a. The amount you actually spend to demol- this Combined Limit of Insurance, the followish and clear the site of the building; or ing loss payment provisions apply:

b. The applicable Limit of Insurance shown a. For Demolition Cost, we will not pay more

for Coverage B in the Schedule below. than the amount you actually spend to

3. Unless paragraph F.4. applies, loss payment demolish and clear the site of the buildunder Coverage C – Increased Cost of Con- ing.

struction Coverage will be determined as fol- b. With respect to the Increased Cost of

lows: construction:

a. We will not pay under Coverage C: (1) We will not pay for the increased cost

(1) Until the property is actually repaired of construction:

or replaced, at the same or another (a) Until the property is actually relocation ; and paired or replaced, at the same

(2) Unless the repairs or replacement are or another location; and

made as soon as reasonably possible (b) Unless the repairs or replace- after the loss or damage, not to ex- ment are made as soon as reaceed two years. We may extend this sonably possible after the loss or

period in writing during the two years. damage, not to exceed two

b. If the building is repaired or replaced at years. We may extend this period

the same location, or if you elect to re- in writing during the two years.

build at another location, the most we will (2) If the building is repaired or replaced

pay under Coverage C is the lesser of: at the same location, or if you elect to

(1) The increased cost of construction at rebuild at another location, the most

the same location; or we will pay for the increased cost of

construction is the increased cost of (2) The applicable Limit of Insurance

construction at the same location. shown for Coverage C in the Schedule below. (3) If the ordinance or law requires relocation to another location, the most c. If the ordinance or law requires relocation

we will pay for the increased cost of to another location, the most we will pay

construction is the increased cost of under Coverage C is the lesser of:

construction at the new location.

(1) The increased cost of construction at G. The terms of this endorsement apply separately the new location; or

to each building to which this endorsement ap- (2) The applicable Limit of Insurance plies. shown for Coverage C in the Sched- H. The Ordinance or Law Exclusion in Section C.1.h. ule below. of the Deluxe Property Coverage Form does not

4. If a Combined Limit of Insurance is shown for apply to the insurance specifically provided under

Coverages B and C in the Schedule below, this endorsement.

paragraphs F.2. and F.3. of this endorsement

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Travelers Doc Mgmt 98 of 274
I. SCHEDULE

Coverage A Coverage C

Loss to the Coverage B Increased Cost

Undamaged Demolition Cost of Construction Coverage B and C

Prem. Bldg. Portion of the Limit of Limit of Combined Limit

No. No. Building X Insurance Insurance of Insurance

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

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

 1 1 5,000,000 5,000,000

Travelers Doc Mgmt 99 of 274
POLICY NUMBER: ISSUE DATE:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

DELUXE PROPERTY COVERAGE PART AMENDATORY ENDORSEMENT

LOSS PAYABLE PROVISIONS

This endorsement modifies insurance provided under the following:

DELUXE PROPERTY COVERAGE FORM

Nothing in this endorsement increases the applicable ply with terms of this Coverage Part, the

Limit of Insurance. We will not pay any Loss Payee Loss Payee will still have the right to remore than their financial interest in the Covered Prop- ceive loss payment if the Loss Payee:

erty, and we will not pay more than the applicable (1) Pays any premium due under this

Limit of Insurance on the Covered Property. Coverage Part at our request if you

Each of the following Clauses, A, B, C and D, is have failed to do so:

added to the Loss Payment Loss Condition as indi- (2) Submits a signed, sworn proof of loss

cated in the Schedule below. within 60 days after receiving notice

A. LOSS PAYABLE CLAUSE from us of your failure to do so; and

For Covered Property in which both you and a (3) Has notified us of any change in

Loss Payee shown in the Schedule below have ownership, occupancy or 

an insurable interest, we will: change in risk known to the 

Payee. 1. Adjust losses with you; and

All of the terms of this Coverage Part will 2. Pay any claim for loss or damage jointly to

then apply directly to the Loss Payee. you and the Loss Payee, as interests may

appear. d. If we pay the Loss Payee for any loss or

B. damage and deny payment to you be- LENDER'S LOSS PAYABLE CLAUSE

cause of your acts or because you have 1. The Loss Payee shown in the Schedule be- failed to comply with the terms of this

low is a creditor, including a mortgageholder Coverage Part:

or trustee, whose interest in Covered Prop- (1) The Loss Payee's rights will be trans- erty is established by such written instruferred to us to the extent of the ments as:

amount we pay; and

a. Warehouse receipts: (2) The Loss Payee's rights to recover

b. A contract for deed: the full amount of the Loss 

c. Bills of lading: claim will not be impaired.

d. Financing statements; or

Payee the whole principal on the debt e. Mortgages, deeds of trust, or security plus any accrued interest. In this agreements. event, you will pay your remaining 2. For Covered Property in which both you and debt to us.

a Loss Payee have an insurable interest: At our option, we may pay to the 

a. Payee the whole principal on the debt

each Loss Payee in their order or prece- plus any accrued interest. In this event,

dence, as interest may appear. you will pay your remaining debt to us.

b. The Loss Payee has the right to receive 3. If we cancel this policy, we will give written

loss payment even if the Loss Payee notice to the Loss Payee at least: started foreclosure or similar action on

a. 10 days before the effective date of can- the Covered Property. cellation if we cancel for your nonc. If we deny your claim because of your payment of premium; or

acts or because you have failed to comDX T3 79 11 12 © 2011 The Travelers Indemnity Company. All rights reserved. Page 1 of 2

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

We will pay for covered loss or damage to

has

Payee's

Loss

substantial

Loss

At our option, we may pay to the Loss

Y-630-0K557677-COF-20 01-11-20

Travelers Doc Mgmt 100 of 274
b. 30 days before the effective date of can- 3. The following is added to the Other Insurance

cellation if we cancel for any other rea- Condition:

son. For Covered Property that is the subject of a

4. If we elect not to renew this policy, we will contract of sale, the word "you" includes the

give written notice to the Loss Payee at least Loss Payee.

10 days before the expiration date of this pol- D. BUILDING OWNER LOSS PAYABLE CLAUSE icy.

C. CONTRACT OF SALE CLAUSE 1. The Loss Payee shown in the Schedule below is the owner of the described building, in 1. The Loss Payee shown in the Schedule be- which you are a tenant.

low is a person or organization you have en2. tered into a contract with for the sale of Covered Property. with the Loss Payee. Any loss payment made

to the Loss Payee will satisfy your claims 2. For Covered Property in which both you against us for the owner's property. the Loss Payee have an insurable interest,

we will: 3. We will adjust losses to tenants' improvements and betterments with you, unless the a. Adjust losses with you; and

lease provides otherwise. b. Pay any claim for loss or damage jointly

to you and the Loss Payee, as interest

may appear.

SCHEDULE

Premises Location Number: Building Number: Applicable Clause

(Indicate A, B, C or D):

Description of Property:

Loss Payee Name:

Loss Payee Address:

Page 2 of 2 © 2011 The Travelers Indemnity Company. All rights reserved. DX T3 79 11 12

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

We will adjust losses to the described building

and

SEE DX T8 93 03 99

Travelers Doc Mgmt 101 of 274
COMMERCIAL PROPERTY

POLICY NUMBER: ISSUE DATE:

LOSS PAYABLE PROVISIONS SCHEDULE

Loss Payee (Name & Address)

Prem. Bldg. Provisions

No. No. Description of Property Applicable

DX T8 93 03 99

Y-630-0K557677-COF-20 01-11-20

THE STATE BANK OF GENEVA

22 S 4TH ST

GENEVA IL 60134

 35 35 BUILDING AND YOUR BUSINESS PERSONAL Lenders

PROPERTY Loss Payable

Travelers Doc Mgmt 102 of 274
COMMERCIAL PROPERTY

POLICY NUMBER: ISSUE DATE:

LOSS PAYABLE PROVISIONS SCHEDULE

Loss Payee (Name & Address)

Prem. Bldg. Provisions

No. No. Description of Property Applicable

DX T8 93 03 99

Y-630-0K557677-COF-20 01-11-20

SYMETRA LIFE INSURANCE COMPANY,

ISAOA/ATIMA

C/O DRAPER AND KRAMER, INC.

55 EAST MONROE STREET, STE. 3900

CHICAGO IL 60603

 29 29 LOAN# 9000090008-SPLM2201 Lenders

Loss Payable

Travelers Doc Mgmt 103 of 274
COMMERCIAL PROPERTY

POLICY NUMBER: ISSUE DATE:

LOSS PAYABLE PROVISIONS SCHEDULE

Loss Payee (Name & Address)

Prem. Bldg. Provisions

No. No. Description of Property Applicable

DX T8 93 03 99

Y-630-0K557677-COF-20 01-11-20

STANCORP MORTGAGE INVESTORS LLC

OR ITS ASSIGNS

C/O DRAPER AND KRAMER INC

55 EAST MONROE ST SUITE 3900

CHICAGO IL 60603

 31 31 LOAN#A9071401-7500075048 Lenders

Loss Payable

Travelers Doc Mgmt 104 of 274
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

DELUXE PROPERTY COVERAGE PART AMENDATORY ENDORSEMENT

UTILITY SERVICES – DIRECT DAMAGE

This endorsement modifies insurance provided under the following:

DELUXE PROPERTY COVERAGE FORM

A. Coverage tricity, steam or gas to the described premises: If indicated in the Declarations, we will pay for

loss of or damage to Covered Property at the de- a. Utility generating plants;

scribed premises caused by the interruption of b. Switching stations; utility service to the described premises. The inc. Substations; terruption of utility service must result from direct

physical loss or damage by a Covered Cause of d. Transformers; and

Loss to any of the Utility Supply Services Proper- e. Transmission lines.

ties defined in Section B. below, if such property Coverage does not include loss caused by or is indicated in the Declarations and is:

resulting from loss or damage to Overhead 1. Located away from the described premises; Transmission Lines unless or a

or separate Limit of Insurance is shown in the

2. Located at the described premises and used Declarations for Overhead Transmission

to supply the utility service to the described Lines.

premises from a source away from the de- C. Deductible

scribed premises. We will not pay for loss or damage in any one oc- B. Utility Supply Services Properties currence until the amount of loss or damage ex1. Water Supply Services Property, meaning ceeds the applicable Deductible stated in the

the following types of property supplying wa- Declarations. We will then pay the amount of loss

ter to the described premises: or damage in excess of the Deductible up to the

applicable Limit of Insurance. a. Pumping stations; and

D. Limits of Insurance b. Water mains.

The most we will pay for loss or damage in any 2. Communication Supply Services Property,

meaning one occurrence is the applicable Utility Services – the following types of property sup- Direct Damage Limit of Insurance stated in the plying communication services, including tele- Declarations. phone, radio, microwave or television services, to the described premises, such as: If a separate Limit of Insurance is shown in the

Declarations for Overhead Transmission Lines, a. Communication transmission lines, inthat limit is the most we will pay for loss or dam- cluding optic fiber transmission lines;

age in any one occurrence resulting from loss or b. Coaxial cables; and damage to Overhead Transmission Lines to

c. Microwave radio relays except satellites. which this coverage applies. This applies even if

this coverage applies to both Communication Coverage does not include loss caused by or

Supply Services Property and Power Supply Ser- resulting from loss or damage to Overhead

vices Property. Transmission Lines unless or a

separate Limit of Insurance is shown in the The Limit(s) of Insurance applicable to this enDeclarations for Overhead Transmission dorsement are part of, and not in addition to, the

Lines. applicable Covered Property Limit(s) of Insurance. 3. Power Supply Services Property, meaning

the following types of property supplying elecDX T3 85 11 12 © 2011 The Travelers Indemnity Company. All rights reserved. Page 1 of 1

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

Included

Included

Travelers Doc Mgmt 105 of 274
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

DELUXE PROPERTY COVERAGE PART AMENDATORY ENDORSEMENT

UTILITY SERVICES–TIME ELEMENT

This endorsement modifies insurance provided under the following:

DELUXE BUSINESS INCOME (AND EXTRA EXPENSE) COVERAGE FORM

DELUXE BUSINESS INCOME (WITHOUT EXTRA EXPENSE) COVERAGE FORM

DELUXE EXTRA EXPENSE COVERAGE FORM

A. Coverage Declarations for Overhead Transmission

Lines. If indicated in the Declarations, your coverage for

Business Income and/or Extra Expense, as pro- 3. Power Supply Services Property, meaning

vided under the applicable Coverage Form, is ex- the following types of property supplying electended to apply to the actual amount of such of tricity, steam or gas to the described premBusiness Income and/or Extra Expense that you ises:

incur caused by the interruption of utility service a. Utility generating plants;

to the described premises. The interruption of util- b. Switching stations; ity service must result from direct physical loss or

damage by a Covered Cause of Loss to any of c. Substations;

the Utility Services Properties defined in Section d. Transformers; and B. below, if such property is indicated in the Dece. Transmission lines. larations and is:

1. Located away Coverage does not include loss caused by or from the described premises;

resulting from loss or damage to Overhead or

Transmission Lines unless or a 2. Located at the described premises and used separate Limit of Insurance is shown in the

to supply the utility service to the described Declarations for Overhead Transmission

premises from a source away from the de- Lines. scribed premises. C. Deductible B. Utility Service Properties

The hour deductible that applies to Utility Ser- 1. Water Supply Services Property, meaning vices – Time Element is indicated in the Declarathe following types of property supplying wa- tions. We will only pay for loss of Business In- ter to the described premises: come you sustain after the number of consecutive

a. Pumping stations; and hours indicated in the Declarations following the

b. Water mains. direct physical loss or damage to the Utility Services Property to which this endorsement applies. 2. Communication Supply Services Property, This deductible does not apply to Extra Expense. meaning the following types of property sup- D. Limits of Insurance plying communication services, including

telephone, radio, microwave or television ser- The most we will pay for loss or damage in any

vices, to the described premises, such as: one occurrence is the applicable Utility Services – Time Element Limit of Insurance stated in the a. Communication transmission lines, inDeclarations. This limit is part of, and not in addi- cluding optic fiber transmission lines;

tion to, the Limit(s) of Insurance that apply to b. Coaxial cables; and Business Income and/or Extra Expense at the

c. Microwave radio relays except satellites. described premises.

Coverage does not include loss caused by or If a separate Limit of Insurance is shown in the

resulting from loss or damage to Overhead Declarations for Overhead Transmission Lines, Transmission Lines unless or a that is the most we will pay for loss or damage in

separate Limit of Insurance is shown in the any one occurrence resulting from loss or damDX T3 86 11 12 © 2011 The Travelers Indemnity Company. All rights reserved. Page 1 of 2

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

Included

Included

Travelers Doc Mgmt 106 of 274
age to Overhead Transmission Lines to which this erty. This limit is part of, and not in addition to, the

coverage applies. This applies, even if this cover- Utility Services – Time Element Limit of Insurance

age applies to both Communication Supply Ser- stated in the Declarations.

vices Property and Power Supply Services PropPage 2 of 2 © 2011 The Travelers Indemnity Company. All rights reserved. DX T3 86 11 12

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

Travelers Doc Mgmt 107 of 274
DELUXE PROPERTY

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

FEDERAL TERRORISM RISK

INSURANCE ACT DISCLOSURE

This endorsement modifies insurance provided under the following:

DELUXE PROPERTY COVERAGE PART

The federal Terrorism Risk Insurance Act of 2002 as 82% with respect to such Insured Losses occurring in

amended ("TRIA") establishes a program under which calendar year 2018.

the Federal Government may partially reimburse "In- 81% with respect to such Insured Losses occurring in

sured Losses" (as defined in TRIA) caused by "Acts

calendar year 2019. Of Terrorism" (as defined in TRIA). "Act Of Terrorism" 80% with respect to such Insured Losses occurring in is defined in Section 102(1) of TRIA to mean any act

calendar year 2020. that is certified by the Secretary of the Treasury – in

consultation with the Secretary of Homeland Security In no event, however, will the Federal Government be

and the Attorney General of the United States – to be required to pay any portion of the amount of such Inan act of terrorism; to be a violent act or an act that is sured Losses occurring in a calendar year that in the

dangerous to human life, property, or infrastructure; to aggregate exceeds $100 billion, nor will any Insurer

have resulted in damage within the United States, or be required to pay any portion of such amount providoutside the United States in the case of certain air ed that such Insurer has met its Insurer Deductible. carriers or vessels or the premises of a United States Therefore, if such Insured Losses occurring in a cal- Mission; and to have been committed by an individual endar year exceed $100 billion in the aggregate, the

or individuals as part of an effort to coerce the civilian amount of any payments by the Federal Government

population of the United States or to influence the and any coverage provided by this policy for losses

policy or affect the conduct of the United States Gov- caused by Acts Of Terrorism may be reduced.

ernment by coercion. The charge for such Insured Losses under this Cov- The Federal Government's share of compensation for erage Part is included in the Coverage Part premium. such Insured Losses is established by TRIA and is a The charge for such Insured Losses that has been

percentage of the amount of such Insured Losses in included for this Coverage Part is indicated below,

excess of each Insurer's "Insurer Deductible" (as de- and does not include any charge for the portion of

fined in TRIA), subject to the "Program Trigger" (as such Insured Losses covered by the Federal Gov- defined in TRIA). Through 2020, that percentage is ernment under TRIA:

established by TRIA as follows: • 7% of your total Deluxe Property Coverage Part

85% with respect to such Insured Losses occurring in premium if your primary location is in a Designat- calendar year 2015. ed City (as listed below).

84% with respect to such Insured Losses occurring in

• 3% of your total Deluxe Property Coverage Part

calendar year 2016. premium if your primary location is not in a Des- 83% with respect to such Insured Losses occurring in ignated City (as listed below).

calendar year 2017.

DX T4 02 01 15 © 2015 The Travelers Indemnity Company. All rights reserved. Page 1 of 2

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

Travelers Doc Mgmt 108 of 274
DELUXE PROPERTY

Designated Cities are:

Albuquerque, NM El Paso, TX Miami, FL San Diego, CA

Atlanta, GA Fort Worth, TX Milwaukee, WI San Antonio, TX

Austin, TX Fresno, CA Minneapolis, MN San Francisco, CA

Baltimore, MD Honolulu, HI Nashville-Davidson, TN San Jose, CA

Boston, MA Houston, TX New Orleans, LA Seattle, WA

Charlotte, NC Indianapolis, IN New York, NY St. Louis, MO

Chicago, IL Jacksonville, FL Oakland, CA Tucson, AZ

Cleveland, OH Kansas City, MO Oklahoma City, OK Tulsa, OK

Colorado Springs, CO Las Vegas, NV Omaha, NE Virginia Beach, VA

Columbus, OH Long Beach, CA Philadelphia, PA Washington, DC

Dallas, TX Los Angeles, CA Phoenix, AZ Wichita, KS

Denver, CO Memphis, TN Portland, OR

Detroit, MI Mesa, AZ Sacramento, CA

Page 2 of 2 © 2015 The Travelers Indemnity Company. All rights reserved. DX T4 02 01 15

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

Travelers Doc Mgmt 109 of 274
POLICY NUMBER: ISSUE DATE:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

DELUXE PROPERTY COVERAGE PART AMENDATORY ENDORSEMENT

ELECTRONIC VANDALISM LIMITATION ENDORSEMENT

This endorsement modifies insurance provided under the following:

DELUXE PROPERTY COVERAGE PART

When included in this policy, this endorsement also modifies insurance provided under the COMMERCIAL

INLAND MARINE COVERAGE PART.

SCHEDULE

Electronic Vandalism Limit of Insurance,

aggregate in any 12-month period of this policy: $ 10,000 unless a higher limit is shown: $

This endorsement limits the insurance provided under The DEDUCTIBLE provisions of this policy conthis policy for direct physical loss or damage caused tinue to apply. But in no event will the total of all

by or resulting from "electronic vandalism" and for applicable deductible amounts applied in any one

loss that is a consequence of such direct physical occurrence of "electronic vandalism" be less than

loss or damage. $1,000.

A. LIMITATION – ELECTRONIC VANDALISM C. ELECTRONIC VANDALISM DEFINED

The following LIMITATION is added: "Electronic Vandalism", as used in this endorsement means: The most we will pay for all loss or damage

caused directly or indirectly by or resulting from 1. Willful or malicious destruction of computer

"electronic vandalism" in any one policy year, programs, content, instructions or other eleccommencing with the inception date of this en- tronic or digital data stored within computer

dorsement, is the Electronic Vandalism Limit of systems.

Insurance shown in the Schedule of this en- 2. Unauthorized computer code or programming dorsement. This limit: that:

1. Applies regardless of the number of loca- a. Deletes, distorts, corrupts or manipulates tions, items or types of property or coverages computer programs, content, instructions or Coverage Forms involved; and

or other electronic or digital data, or oth- 2. Is part of, and does not increase the Limits of erwise results in damage to computers

Insurance provided under this policy. or computer systems or networks to

But which it is introduced; if "electronic vandalism" results in a "specified cause of loss", other than vandalism, this b. Replicates itself, impairing the performlimitation will not apply to the resulting loss or ance of computers or computer systems

damage caused by that "specified cause of loss". or networks; or

B. ELECTRONIC VANDALISM MINIMUM DE- c. Gains remote control access to data and

DUCTIBLE programming within computers or computer systems or networks to which it is The following deductible provision is added and

introduced, for uses other than those in- applies to all coverages, including Extra Extended for authorized users of the com- pense: puters or computer systems or networks.

DX T3 98 04 02 Page 1 of 1

Y-630-0K557677-COF-20 01-11-20

Travelers Doc Mgmt 110 of 274
GENERAL LIABILITY

Travelers Doc Mgmt 111 of 274
GENERAL LIABILITY

Travelers Doc Mgmt 112 of 274
COMMERCIAL GENERAL LIABILITY POLICY NO.:

COVERAGE PART DECLARATIONS ISSUE DATE:

INSURING COMPANY:

DECLARATIONS PERIOD: From to 12:01 A.M. Standard Time at your mailing

address shown in the Common Policy Declarations.

The Commercial General Liability Coverage Part consists of these Declarations and the Coverage Form shown

below.

1. COVERAGE AND LIMITS OF INSURANCE:

COMMERCIAL GENERAL LIABILITY COVERAGE FORM LIMITS OF INSURANCE

General Aggregate Limit $

(Other than Products-Completed Operations)

Products-Completed Operations Aggregate Limit $

Personal & Advertising Injury Limit $

Each Occurrence Limit $

Damage To Premises Rented To You Limit (any one premises) $

Medical Expense Limit (any one person) $

2. AUDIT PERIOD:

3. FORM OF BUSINESS:

4. NUMBERS OF FORMS, SCHEDULES AND ENDORSEMENTS FORMING PART OF THIS COVERAGE

PART ARE ATTACHED AS A SEPARATE LISTING.

COMMERCIAL GENERAL LIABILITY COVERAGE

IS SUBJECT TO A GENERAL AGGREGATE LIMIT

CG T0 01 11 03 Page 1 of 1

PRODUCER: OFFICE:

Y-630-0K557677-COF-20

01-11-20

THE CHARTER OAK FIRE INSURANCE COMPANY

01-01-20 01-01-21

 2,000,000

 2,000,000

 1,000,000

 1,000,000

 300,000

 5,000

ANNUAL

CORPORATION

A J GALLAGHER RMS NI026 NAPERVILLE IL 888

Travelers Doc Mgmt 113 of 274
DECLARATIONS PREMIUM SCHEDULE POLICY NUMBER:

This Schedule applies to the Declarations for the period of to

It shows all of your known rating classes as of the effective date. Any exceptions will be so noted. This includes

all locations you own, rent or occupy.

LOC/ CLASS PREMIUM

OPN BLDG DESCRIPT/ BASE/ ADVANCE

NO. NO. CODE NO. SUBLINE EXPOSURE RATES PREMIUM

*This class is subject to the prem/ops transition program.

If an "X" is entered in this box, these Declarations are completed on the Premium Schedule Extension CG T0 12.

CG T0 07 09 87 PAGE

Y-630-0K557677-COF-20

01-01-20 01-01-21

 MINIMUM PREMIUMS

 PREM/OPS $223

 PROD/C-OPS $146

 LOB $250

 1/ 1 BUILDINGS OR PREMISES - BANK OR OFFICE - MERCANTILE OR MANUFACTURING

 (LESSOR'S RISK ONLY) - OTHER THAN NOT-FOR-PROFIT

 PRODUCTS-COMPLETED OPERATIONS ARE SUBJECT TO THE GENERAL AGGREGATE

 LIMIT.

 002 61212 PREM/OPS A 125,000 24.906 3,113

 2/ 2 BUILDINGS OR PREMISES - BANK OR OFFICE - MERCANTILE OR MANUFACTURING

 (LESSOR'S RISK ONLY) - OTHER THAN NOT-FOR-PROFIT

 PRODUCTS-COMPLETED OPERATIONS ARE SUBJECT TO THE GENERAL AGGREGATE

 LIMIT.

 003 61212 PREM/OPS A 59,770 24.906 1,489

 3/ 3 BUILDINGS OR PREMISES - BANK OR OFFICE - MERCANTILE OR MANUFACTURING

 (LESSOR'S RISK ONLY) - OTHER THAN NOT-FOR-PROFIT

 PRODUCTS-COMPLETED OPERATIONS ARE SUBJECT TO THE GENERAL AGGREGATE

 LIMIT.

 004 61212 PREM/OPS A 7,140 24.906 178

 4/ 4 BUILDINGS OR PREMISES - BANK OR OFFICE - MERCANTILE OR MANUFACTURING

 (LESSOR'S RISK ONLY) - OTHER THAN NOT-FOR-PROFIT

 PRODUCTS-COMPLETED OPERATIONS ARE SUBJECT TO THE GENERAL AGGREGATE

 LIMIT.

 005 61212 PREM/OPS A 22,571 24.906 562

 5/ 5 BUILDINGS OR PREMISES - BANK OR OFFICE - MERCANTILE OR MANUFACTURING

 (LESSOR'S RISK ONLY) - OTHER THAN NOT-FOR-PROFIT

 PRODUCTS-COMPLETED OPERATIONS ARE SUBJECT TO THE GENERAL AGGREGATE

 LIMIT.

 006 61212 PREM/OPS A 11,550 24.906 288

 1

Travelers Doc Mgmt 114 of 274
DECLARATIONS PREMIUM SCHEDULE POLICY NUMBER:

This Schedule applies to the Declarations for the period of to

It shows all of your known rating classes as of the effective date. Any exceptions will be so noted. This includes

all locations you own, rent or occupy.

LOC/ CLASS PREMIUM

OPN BLDG DESCRIPT/ BASE/ ADVANCE

NO. NO. CODE NO. SUBLINE EXPOSURE RATES PREMIUM

*This class is subject to the prem/ops transition program.

If an "X" is entered in this box, these Declarations are completed on the Premium Schedule Extension CG T0 12.

CG T0 07 09 87 PAGE

Y-630-0K557677-COF-20

01-01-20 01-01-21

 6/ 6 BUILDINGS OR PREMISES - BANK OR OFFICE - MERCANTILE OR MANUFACTURING

 (LESSOR'S RISK ONLY) - OTHER THAN NOT-FOR-PROFIT

 PRODUCTS-COMPLETED OPERATIONS ARE SUBJECT TO THE GENERAL AGGREGATE

 LIMIT.

 007 61212 PREM/OPS A 7,464 24.906 186

 7/ 7 BUILDINGS OR PREMISES - BANK OR OFFICE - MERCANTILE OR MANUFACTURING

 (LESSOR'S RISK ONLY) - OTHER THAN NOT-FOR-PROFIT

 PRODUCTS-COMPLETED OPERATIONS ARE SUBJECT TO THE GENERAL AGGREGATE

 LIMIT.

 008 61212 PREM/OPS A 7,510 24.906 187

 8/ 8 BUILDINGS OR PREMISES - BANK OR OFFICE - MERCANTILE OR MANUFACTURING

 (LESSOR'S RISK ONLY) - OTHER THAN NOT-FOR-PROFIT

 PRODUCTS-COMPLETED OPERATIONS ARE SUBJECT TO THE GENERAL AGGREGATE

 LIMIT.

 009 61212 PREM/OPS A 15,000 24.906 374

 9/ 9 BUILDINGS OR PREMISES - BANK OR OFFICE - MERCANTILE OR MANUFACTURING

 (LESSOR'S RISK ONLY) - OTHER THAN NOT-FOR-PROFIT

 PRODUCTS-COMPLETED OPERATIONS ARE SUBJECT TO THE GENERAL AGGREGATE

 LIMIT.

 010 61212 PREM/OPS A 22,549 24.906 562

 10/ 10 BUILDINGS OR PREMISES - BANK OR OFFICE - MERCANTILE OR MANUFACTURING

 (LESSOR'S RISK ONLY) - OTHER THAN NOT-FOR-PROFIT

 PRODUCTS-COMPLETED OPERATIONS ARE SUBJECT TO THE GENERAL AGGREGATE

 LIMIT.

 011 61212 PREM/OPS A 6,528 24.906 163

 2

Travelers Doc Mgmt 115 of 274
DECLARATIONS PREMIUM SCHEDULE POLICY NUMBER:

This Schedule applies to the Declarations for the period of to

It shows all of your known rating classes as of the effective date. Any exceptions will be so noted. This includes

all locations you own, rent or occupy.

LOC/ CLASS PREMIUM

OPN BLDG DESCRIPT/ BASE/ ADVANCE

NO. NO. CODE NO. SUBLINE EXPOSURE RATES PREMIUM

*This class is subject to the prem/ops transition program.

If an "X" is entered in this box, these Declarations are completed on the Premium Schedule Extension CG T0 12.

CG T0 07 09 87 PAGE

Y-630-0K557677-COF-20

01-01-20 01-01-21

 11/ 11 BUILDINGS OR PREMISES - BANK OR OFFICE - MERCANTILE OR MANUFACTURING

 (LESSOR'S RISK ONLY) - OTHER THAN NOT-FOR-PROFIT

 PRODUCTS-COMPLETED OPERATIONS ARE SUBJECT TO THE GENERAL AGGREGATE

 LIMIT.

 012 61212 PREM/OPS A 5,760 24.906 143

 12/ 12 BUILDINGS OR PREMISES - BANK OR OFFICE - MERCANTILE OR MANUFACTURING

 (LESSOR'S RISK ONLY) - OTHER THAN NOT-FOR-PROFIT

 PRODUCTS-COMPLETED OPERATIONS ARE SUBJECT TO THE GENERAL AGGREGATE

 LIMIT.

 013 61212 PREM/OPS A 13,468 24.906 335

 13/ 13 VACANT LAND - OTHER THAN NOT-FOR-PROFIT

 PRODUCTS-COMPLETED OPERATIONS ARE SUBJECT TO THE GENERAL AGGREGATE

 LIMIT.

 014 49451 PREM/OPS T 1 3.772 4

 EACH ACRE

 13/ 13 BUILDINGS OR PREMISES - BANK OR OFFICE - MERCANTILE OR MANUFACTURING

 (LESSOR'S RISK ONLY) - OTHER THAN NOT-FOR-PROFIT

 PRODUCTS-COMPLETED OPERATIONS ARE SUBJECT TO THE GENERAL AGGREGATE

 LIMIT.

 015 61212 PREM/OPS A 87,013 24.906 2,167

 14/ 14 BUILDINGS OR PREMISES - BANK OR OFFICE - MERCANTILE OR MANUFACTURING

 (LESSOR'S RISK ONLY) - OTHER THAN NOT-FOR-PROFIT

 PRODUCTS-COMPLETED OPERATIONS ARE SUBJECT TO THE GENERAL AGGREGATE

 LIMIT.

 016 61212 PREM/OPS A 15,075 24.906 375

 3

Travelers Doc Mgmt 116 of 274
DECLARATIONS PREMIUM SCHEDULE POLICY NUMBER:

This Schedule applies to the Declarations for the period of to

It shows all of your known rating classes as of the effective date. Any exceptions will be so noted. This includes

all locations you own, rent or occupy.

LOC/ CLASS PREMIUM

OPN BLDG DESCRIPT/ BASE/ ADVANCE

NO. NO. CODE NO. SUBLINE EXPOSURE RATES PREMIUM

*This class is subject to the prem/ops transition program.

If an "X" is entered in this box, these Declarations are completed on the Premium Schedule Extension CG T0 12.

CG T0 07 09 87 PAGE

Y-630-0K557677-COF-20

01-01-20 01-01-21

 15/ 15 BUILDINGS OR PREMISES - BANK OR OFFICE - MERCANTILE OR MANUFACTURING

 (LESSOR'S RISK ONLY) - OTHER THAN NOT-FOR-PROFIT

 PRODUCTS-COMPLETED OPERATIONS ARE SUBJECT TO THE GENERAL AGGREGATE

 LIMIT.

 017 61212 PREM/OPS A 30,119 24.906 750

 16/ 16 BUILDINGS OR PREMISES - BANK OR OFFICE - MERCANTILE OR MANUFACTURING

 (LESSOR'S RISK ONLY) - OTHER THAN NOT-FOR-PROFIT

 PRODUCTS-COMPLETED OPERATIONS ARE SUBJECT TO THE GENERAL AGGREGATE

 LIMIT.

 018 61212 PREM/OPS A 42,662 24.906 1,063

 17/ 17 BUILDINGS OR PREMISES - BANK OR OFFICE - MERCANTILE OR MANUFACTURING

 (LESSOR'S RISK ONLY) - OTHER THAN NOT-FOR-PROFIT

 PRODUCTS-COMPLETED OPERATIONS ARE SUBJECT TO THE GENERAL AGGREGATE

 LIMIT.

 019 61212 PREM/OPS A 11,996 24.906 299

 18/ 18 BUILDINGS OR PREMISES - BANK OR OFFICE - MERCANTILE OR MANUFACTURING

 (LESSOR'S RISK ONLY) - OTHER THAN NOT-FOR-PROFIT

 PRODUCTS-COMPLETED OPERATIONS ARE SUBJECT TO THE GENERAL AGGREGATE

 LIMIT.

 020 61212 PREM/OPS A 12,588 24.906 314

 19/ 19 BUILDINGS OR PREMISES - BANK OR OFFICE - MERCANTILE OR MANUFACTURING

 (LESSOR'S RISK ONLY) - OTHER THAN NOT-FOR-PROFIT

 PRODUCTS-COMPLETED OPERATIONS ARE SUBJECT TO THE GENERAL AGGREGATE

 LIMIT.

 021 61212 PREM/OPS A 5,450 24.906 136

 4

Travelers Doc Mgmt 117 of 274
DECLARATIONS PREMIUM SCHEDULE POLICY NUMBER:

This Schedule applies to the Declarations for the period of to

It shows all of your known rating classes as of the effective date. Any exceptions will be so noted. This includes

all locations you own, rent or occupy.

LOC/ CLASS PREMIUM

OPN BLDG DESCRIPT/ BASE/ ADVANCE

NO. NO. CODE NO. SUBLINE EXPOSURE RATES PREMIUM

*This class is subject to the prem/ops transition program.

If an "X" is entered in this box, these Declarations are completed on the Premium Schedule Extension CG T0 12.

CG T0 07 09 87 PAGE

Y-630-0K557677-COF-20

01-01-20 01-01-21

 20/ 20 BUILDINGS OR PREMISES - BANK OR OFFICE - MERCANTILE OR MANUFACTURING

 (LESSOR'S RISK ONLY) - OTHER THAN NOT-FOR-PROFIT

 PRODUCTS-COMPLETED OPERATIONS ARE SUBJECT TO THE GENERAL AGGREGATE

 LIMIT.

 022 61212 PREM/OPS A 4,920 24.906 123

 21/ 21 BUILDINGS OR PREMISES - BANK OR OFFICE - MERCANTILE OR MANUFACTURING

 (LESSOR'S RISK ONLY) - OTHER THAN NOT-FOR-PROFIT

 PRODUCTS-COMPLETED OPERATIONS ARE SUBJECT TO THE GENERAL AGGREGATE

 LIMIT.

 023 61212 PREM/OPS A 64,408 24.906 1,604

 22/ 22 BUILDINGS OR PREMISES - BANK OR OFFICE - MERCANTILE OR MANUFACTURING

 (LESSOR'S RISK ONLY) - OTHER THAN NOT-FOR-PROFIT

 PRODUCTS-COMPLETED OPERATIONS ARE SUBJECT TO THE GENERAL AGGREGATE

 LIMIT.

 024 61212 PREM/OPS A 13,579 24.906 338

 23/ 23 PARKING - PUBLIC - SHOPPING CENTERS - MAINTAINED BY THE LESSEE

 (LESSOR'S RISK ONLY)

 PRODUCTS-COMPLETED OPERATIONS ARE SUBJECT TO THE GENERAL AGGREGATE

 LIMIT.

 025 46606 PREM/OPS A 4,100 9.523 39

 23/ 23 BUILDINGS OR PREMISES - BANK OR OFFICE - MERCANTILE OR MANUFACTURING

 (LESSOR'S RISK ONLY) - OTHER THAN NOT-FOR-PROFIT

 PRODUCTS-COMPLETED OPERATIONS ARE SUBJECT TO THE GENERAL AGGREGATE

 LIMIT.

 026 61212 PREM/OPS A 15,762 24.906 393

 5

Travelers Doc Mgmt 118 of 274
DECLARATIONS PREMIUM SCHEDULE POLICY NUMBER:

This Schedule applies to the Declarations for the period of to

It shows all of your known rating classes as of the effective date. Any exceptions will be so noted. This includes

all locations you own, rent or occupy.

LOC/ CLASS PREMIUM

OPN BLDG DESCRIPT/ BASE/ ADVANCE

NO. NO. CODE NO. SUBLINE EXPOSURE RATES PREMIUM

*This class is subject to the prem/ops transition program.

If an "X" is entered in this box, these Declarations are completed on the Premium Schedule Extension CG T0 12.

CG T0 07 09 87 PAGE

Y-630-0K557677-COF-20

01-01-20 01-01-21

 24/ 24 BUILDINGS OR PREMISES - BANK OR OFFICE - MERCANTILE OR MANUFACTURING

 (LESSOR'S RISK ONLY) - OTHER THAN NOT-FOR-PROFIT

 PRODUCTS-COMPLETED OPERATIONS ARE SUBJECT TO THE GENERAL AGGREGATE

 LIMIT.

 027 61212 PREM/OPS A 8,458 24.906 211

 25/ 25 BUILDINGS OR PREMISES - BANK OR OFFICE - MERCANTILE OR MANUFACTURING

 (LESSOR'S RISK ONLY) - OTHER THAN NOT-FOR-PROFIT

 PRODUCTS-COMPLETED OPERATIONS ARE SUBJECT TO THE GENERAL AGGREGATE

 LIMIT.

 028 61212 PREM/OPS A 1,200 23.612 28

 26/ 26 BUILDINGS OR PREMISES - BANK OR OFFICE - MERCANTILE OR MANUFACTURING

 (LESSOR'S RISK ONLY) - OTHER THAN NOT-FOR-PROFIT

 PRODUCTS-COMPLETED OPERATIONS ARE SUBJECT TO THE GENERAL AGGREGATE

 LIMIT.

 029 61212 PREM/OPS A 2,148 24.906 53

 27/ 27 BUILDINGS OR PREMISES - BANK OR OFFICE - MERCANTILE OR MANUFACTURING

 (LESSOR'S RISK ONLY) - OTHER THAN NOT-FOR-PROFIT

 PRODUCTS-COMPLETED OPERATIONS ARE SUBJECT TO THE GENERAL AGGREGATE

 LIMIT.

 030 61212 PREM/OPS A 4,820 23.612 114

 28/ 28 RESTAURANTS - WITH SALE OF ALCOHOLIC BEVERAGES THAT ARE LESS THAN 30%

 OF THE ANNUAL RECEIPTS OF THE RESTAURANTS - WITH TABLE SERVICE

 031 16910 PREM/OPS S 1,856,536 2.180 4,047

 032 PROD/C-OPS S 1,856,536 .072 134

 29/ 29 RESTAURANTS - WITH SALE OF ALCOHOLIC BEVERAGES THAT ARE LESS THAN 30%

 OF THE ANNUAL RECEIPTS OF THE RESTAURANTS - WITH TABLE SERVICE

 034 16910 PREM/OPS S 2,246,045 2.180 4,896

 035 PROD/C-OPS S 2,246,045 .072 162

 6

Travelers Doc Mgmt 119 of 274
DECLARATIONS PREMIUM SCHEDULE POLICY NUMBER:

This Schedule applies to the Declarations for the period of to

It shows all of your known rating classes as of the effective date. Any exceptions will be so noted. This includes

all locations you own, rent or occupy.

LOC/ CLASS PREMIUM

OPN BLDG DESCRIPT/ BASE/ ADVANCE

NO. NO. CODE NO. SUBLINE EXPOSURE RATES PREMIUM

*This class is subject to the prem/ops transition program.

If an "X" is entered in this box, these Declarations are completed on the Premium Schedule Extension CG T0 12.

CG T0 07 09 87 PAGE

Y-630-0K557677-COF-20

01-01-20 01-01-21

 29/ 29 HOTELS AND MOTELS - WITH POOLS OR BEACHES - LESS THAN FOUR STORIES

 PRODUCTS-COMPLETED OPERATIONS ARE SUBJECT TO THE GENERAL AGGREGATE

 LIMIT.

 036 45190 PREM/OPS S 3,530,000 2.846 10,046

 30/ 30 BUILDINGS OR PREMISES - BANK OR OFFICE - MERCANTILE OR MANUFACTURING

 (LESSOR'S RISK ONLY) - OTHER THAN NOT-FOR-PROFIT

 PRODUCTS-COMPLETED OPERATIONS ARE SUBJECT TO THE GENERAL AGGREGATE

 LIMIT.

 038 61212 PREM/OPS A 7,140 24.906 178

 32/ 32 BUILDINGS OR PREMISES - BANK OR OFFICE - MERCANTILE OR MANUFACTURING

 (LESSOR'S RISK ONLY) - OTHER THAN NOT-FOR-PROFIT

 PRODUCTS-COMPLETED OPERATIONS ARE SUBJECT TO THE GENERAL AGGREGATE

 LIMIT.

 039 61212 PREM/OPS A 6,485 24.906 162

 33/ 33 BUILDINGS OR PREMISES - BANK OR OFFICE - MERCANTILE OR MANUFACTURING

 (LESSOR'S RISK ONLY) - OTHER THAN NOT-FOR-PROFIT

 PRODUCTS-COMPLETED OPERATIONS ARE SUBJECT TO THE GENERAL AGGREGATE

 LIMIT.

 040 61212 PREM/OPS A 6,400 24.906 159

 34/ 34 PARKING - PRIVATE

 PRODUCTS-COMPLETED OPERATIONS ARE SUBJECT TO THE GENERAL AGGREGATE

 LIMIT.

 041 46622 PREM/OPS A 29,027 23.127 671

 7

Travelers Doc Mgmt 120 of 274
DECLARATIONS PREMIUM SCHEDULE POLICY NUMBER:

This Schedule applies to the Declarations for the period of to

It shows all of your known rating classes as of the effective date. Any exceptions will be so noted. This includes

all locations you own, rent or occupy.

LOC/ CLASS PREMIUM

OPN BLDG DESCRIPT/ BASE/ ADVANCE

NO. NO. CODE NO. SUBLINE EXPOSURE RATES PREMIUM

*This class is subject to the prem/ops transition program.

If an "X" is entered in this box, these Declarations are completed on the Premium Schedule Extension CG T0 12.

CG T0 07 09 87 PAGE

Y-630-0K557677-COF-20

01-01-20 01-01-21

 35/ 35 BUILDINGS OR PREMISES - BANK OR OFFICE - MERCANTILE OR MANUFACTURING

 (LESSOR'S RISK ONLY) - OTHER THAN NOT-FOR-PROFIT

 PRODUCTS-COMPLETED OPERATIONS ARE SUBJECT TO THE GENERAL AGGREGATE

 LIMIT.

 042 61212 PREM/OPS A 3,552 24.906 88

 COVERAGE PART TOTAL 36,134

 8 (END)

Travelers Doc Mgmt 121 of 274
KEY TO DECLARATIONS PREMIUM SCHEDULE

ABBREVIATIONS:

CLASS DESCRIPT – means CLASS DESCRIPTION

LOC/BLDG NO. – means LOCATION/BUILDING NUMBER

OPN NO. – means OPERATION NUMBER

PREM/OPS – means PREMISES/OPERATIONS

PROD/C-OPS – means PRODUCTS/COMPLETED OPERATIONS

PREMIUM BASE:

Key Letter Premium Base How Rates Apply

a Area per 1,000 square feet

c Total Cost per $1,000 of total cost

m Admissions per 1,000 admissions

o Total Operating Expense per $1,000 of total operating expenditures

p Payroll per $1,000 of payroll

s Gross Sales per $1,000 of gross sales

t (see note* below) (see note* below)

u Units per unit

* Premium base t applies for a number of rarely used premium bases.

The specific base and how rates apply are shown with the Class Description

on the DECLARATIONS-PREMIUM SCHEDULE.

CG T0 08 11 03 Copyright, The Travelers Indemnity Company, 2003 Page 1 of 1

Travelers Doc Mgmt 122 of 274
TABLE OF CONTENTS

COMMERCIAL GENERAL LIABILITY COVERAGE FORM

CG T1 00 02 19

SECTION I – COVERAGES Beginning on Page

Coverage A – Bodily Injury and Property Insuring Agreement .......................................................1

Damage Liability

Exclusions .................................................................... 2

Coverage B – Personal and Advertising Insuring Agreement .......................................................6

Injury Liability

Exclusions .....................................................................6

Coverage C – Medical Payments Insuring Agreement .......................................................9

Exclusions .................................................................... 9

Supplementary Payments ...................................................................................................10

SECTION II – WHO IS AN INSURED .......................................................................................11

SECTION III – LIMITS OF INSURANCE ...................................................................................13

SECTION IV – COMMERCIAL GENERAL LIABILITY CONDITIONS ........................................13

Bankruptcy .........................................................................................................................13

Duties In The Event Of Occurrence, Offense, Claim Or Suit ...............................................13

Legal Action Against Us ..................................................................................................... 14

Other lnsurance .................................................................................................................15

Premium Audit ...................................................................................................................16

Representations .................................................................................................................16

Separation Of Insureds ...................................................................................................... 16

Transfer Of Rights Of Recovery Against Others To Us ....................................................... 16

When We Do Not Renew ...................................................................................................16

SECTION V – DEFINITIONS ....................................................................................................16

CG T0 34 02 19

Travelers Doc Mgmt 123 of 274
COMMERCIAL GENERAL LIABILITY

COMMERCIAL GENERAL LIABILITY COVERAGE FORM

in this Read (1) The "bodily injury" or "property damage" is

the entire policy carefully to determine rights, duties and by an " that takes place

what is and is not covered. in the

Throughout this policy the words "you" and "your" refer (2) The "bodily injury" or "property damage"

to the Named Insured shown in the and occurs during the policy period; and

any other person or organization qualifying as a Named

(3) Prior to the period, no insured listed

Insured under this policy. The words "we", "us" and

under Paragraph 1. of II – Who Is "our" refer to the companyproviding this insurance. An Insured and no "employee" authorized

The word "insured" means any organization by you to give or of an

qualifying as such under II – Who Is An " or knew that the "bodily

Insured. injury" or "property damage" had

in whole or in . If such a listed insured Other words and phrases that appear in quotation

"employee" knew, to the

marks have meaning. Refer to V –

period, that the "bodily injury" or Definitions. "property damage" , then any

SECTION I – COVERAGES continuation or resumption of such

"bodily injury" or "property damage" COVERAGE A – BODILY INJURY AND PROPERTY

or after the period will be deemed to DAMAGE LIABILITY

have been known prior to the policyperiod. 1. Insuring Agreement

c. "Bodily injury" or "property damage" a. We will pay those sums that the insured

during the period and was not, becomes legally obligated to pay as damages prior to the period, known to have

because of "bodily injury" or "property damage" by any insured listed under Paragraph

to this insurance applies. We will have 1. of II – Who Is An Insured or any

the right and duty to defend the insured against "employee" authorized by you to give or

any "suit" seeking those damages. However, of an " or , any we will have no duty to defend the insured

continuation, or resumption of that

against any "suit" seeking damages for "bodily

"bodily injury" or "property damage" after the

injury" or "property damage" to this

end of the period. insurance does not apply. We may, at our

investigate any " " and d. "Bodily injury" or "property damage" will be

settle any claim or "suit" that mayresult. But: deemed to have been known to have occurred

at the earliest time when any insured listed

(1) The amount we will pay for damages is

under Paragraph 1. of II – Who Is An limited as described in III – Limits

Insured or any "employee" authorized by you to Of Insurance; and give or of an " or

(2) Our right and duty to defend end when we claim:

have used up the limit of (1) Reports all, or any part, of the "bodily

in the payment of judgments or

injury" or "property damage" to us or any

settlements under A or B or

other insurer; medical expenses under CoverageC.

(2) a written or demand or No other obligation or liability to pay sums or claim for damages of the "bodily or services is unless injury" or "propertydamage"; or

explicitly provided for under Supplementary

Payments. (3) aware by any other means that

"bodily injury" or "property damage" has b. This insurance applies to "bodily injury" and

occurred or has tooccur. "property damage" onlyif:

CG T1 00 02 19 © 2017 The Travelers Indemnity Company. All rights reserved. Page 1 of 21

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

Various provisions policy restrict

Declarations, 

person or

Section

special Section

caused "occurrence

policy

Section

receive notice

"occurrence claim

occurred,

part

or authorized prior 

policy

occurred

, change

during

which 

which 

discretion, occurrence

Section

applicable

insurance

Coverages

perform acts covered

policy

which

occurs policy

policy

occurred

Section

receive

notice "occurrence claim includes

change

policy

Section

receive notice "occurrence

Receives verbal

because

Becomes

begun

coverage.

"coverage territory";

Travelers Doc Mgmt 124 of 274
COMMERCIAL GENERAL LIABILITY

e. Damages of "bodily injury" include (3) Any statute, ordinance or regulation relating

damages claimed by anyperson or organization to the sale, gift, distribution or use of

for care, loss of services or death resulting at

any timefrom the "bodilyinjury". This exclusion applies only if you are in the

2. Exclusions business of manufacturing, distributing, selling, serving or furnishing alcoholic beverages. For This insurance does not applyto:

the purposes of this exclusion, permitting a

a. Expected OrIntended Injury person to bring alcoholic beverages on your

premises, for consumption on your premises,

intended from the standpoint of the insured. whether or not a fee is charged or a is

This exclusion does not apply to "bodily injury" required for such , is not by itself

or "property damage" resulting from the use of considered the business of selling, serving or

b. Contractual Liability d. Workers' Compensation And Similar Laws

"Bodily injury" or "property damage" for Any obligation of the insured under a workers'

the insured is obligated to pay damages by compensation, disability benefits or

reason of the assumption of liability in a unemployment compensation law or any similar

contract or agreement. This exclusion does not law.

apply toliabilityfor damages: e. Employer's Liability

(1) That theinsured would havein the absence "Bodilyinjury" to:

(1) An "employee" of the insured arising out of (2) Assumed in a contract or agreement that is and in the course of:

an "insured , provided that the

(a) Employment by the insured; or "bodily injury" or "property damage" (b) Performing duties related to the

or agreement. Solely for the purposes of

liability assumed in an "insured (2) The spouse, child, parent, brother or sister

reasonable attorneys' fees and of that "employee" as a of

litigation expenses incurred byor for a party Paragraph (1) above. other than an insured will be deemed to be

This exclusion applies whether the insured may damages of "bodily injury" or

be liable as an employer or in any other "property damage", provided that:

and to any obligation to share damages with or (a) Liability to such party for, or for the repay someone else who must pay damages

cost of, that defense has also

been assumed in the same "insured

This exclusion does not apply to liability

contract"; and

assumed by the insured under an "insured

(b) attorneys' fees and litigation contract". expenses are for defense of that party

f. Pollution against a civil or alternative dispute

resolution in which (1) "Bodily injury" or "property damage" arising

damages to this insurance out of the , alleged or threatened

a pl e a ea discharge, dispersal, seepage, migration, p i s r lleged. release or of "pollutants": c. Liquor Liability

(a) At or from any premises, site or "Bodily injury" or "property damage" for

location which is or was at any time

any insured maybe held liable byreason of:

owned or by, or rented or

(1) Causing or to the intoxication loaned to, any insured. However, this

of anyperson; subparagraph does not applyto:

(2) The furnishing of alcoholic beverages to a (i) "Bodily injury" if sustained within a

person under the legal drinking age or building and caused by smoke, under the of or fumes, or soot produced by

or originating from equipment that

Page2 of 21 © 2017 The Travelers Indemnity Company. All rights reserved. CG T1 00 02 19

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

because

license

activity

which

contract"

occurs

contract",

necessary

because

party's

Such 

proceeding

consequence

capacity

which actual

which

contributing

influence

escape

occupied

vapor

alcoholic beverages.

"Bodily injury" or "property damage" expected or

reasonable force to protect persons or property.

of the contract or agreement; or

furnishing alcoholic beverages.

subsequent to the execution of the contract

conduct of the insured's business; or

because of the injury.

alcohol;

Travelers Doc Mgmt 125 of 274
COMMERCIAL GENERAL LIABILITY

is used to heat, cool or to perform the normal ,

the building, or by or hydraulic or

originating from equipment that is for the operation of

used to heat water for personal "mobile equipment" or its parts, if

use by the building's occupants or such fuels, or other

their guests; operating fluids escape from a

(ii) "Bodily injury" or "property

damage" for you may be or them. This exception

held liable, if you are a contractor does not apply if the "bodily injury" and the owner or lessee of such or "property damage" arises out of

premises, site or location has been the intentional discharge, dispersal

added to your as an or release of the fuels, 

additional insured with respect to or other operating fluids, or if such

your ongoing operations performed fuels, or other operating

for that additional insured at that fluids are brought on or to the

premises, site or location and such premises, site or location with the

premises, site or location is not intent that they be discharged,

and never was owned or occupied dispersed or released as part of

by, or rented or loaned to, any the operations being performed by

insured, other than that additional such insured, or

insured; or

(iii) "Bodily injury" or "property (ii) "Bodily injury" or "property damage" arising out of heat, damage" sustained within a

smoke or fumes from a "hostile

building and caused by the release

fire"; of gases, fumes or vapors from

(b) At or from any premises, site or materials brought into that building

location which is or was at any time

used by or for any insured or others for performed by you or on your behalf

the handling, storage, disposal, bya contractor or subcontra r; or

processing or treatment of waste; (iii) "Bodily injury" or "property (c) If such "pollutants" are or were at any damage" arising out of heat,

time transported, handled, stored, smoke or fumes from a "hostile

treated, disposed of, or as

fire"; or

waste by or for:

(e) At or from any premises, site or (i) Anyinsured; or

location on which any insured or any

(ii) Any person or organization for or working whom you may be legally or on any insured's

responsible; behalf are or were at any time

(d) At or from any premises, site or performing operations to test for,

location on which any insured or any monitor, clean up, remove, contain, contractors or subcontra ors working treat, detoxify or neutralize, or in any

or on any insured's way respond to, or assess the

behalf are performing operations if the of, "pollutants".

"pollutants" are brought on or to the

pre (2) Any loss, cost or expense arising out of mises, site or location in connection

wi h such o e a any: t p r tions by such insured, contractor or subcontractor. However, (a) Request, demand, order or statutory or

this subparagraph does not apply to: regulatory requirement that any insured

(i) "Bodily injury" or "property or others test for, monitor, clean up,

damage" arising out of the escape remove, contain, treat, detoxify or

of fuels, or other neutralize, or in any way respond to, or

operating fluids are needed assess the of,"pollutants"; or

CG T1 00 02 19 © 2017 The Travelers Indemnity Company. All rights reserved. Page 3 of 21

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

dehumidify

produced

electrical

mechanical functions

necessary

which 

policy

lubricants

receive

lubricants

lubricants

contractor

cto

processed

ct

directly indirectly

lubricants

which 

contractors subcontractors

directly indirectly

effects

effects

in connection with operations being

vehicle part designed to hold, store

subcontractor;

Travelers Doc Mgmt 126 of 274
COMMERCIAL GENERAL LIABILITY

(b) Claim or suit by or on behalf of any (b) The operation of any of the machinery

governmental authority or any other or equipment listed in Paragraph f.(2)

person or organization because of or f.(3) of the definition of "mobile

testing for, monitoring, cleaning up, equipment"; or

removing, containing, treating, (6) detoxifying or neutralizing, or in any

(a) Chartered with a pilot to any insured; way responding to, or assessing the

effects of, "pollutants". (b) Not owned byany insured; and

g. Aircraft, Auto Or Watercraft (c) Not being used to carry any person or

property for a "Bodily injury" or "property damage" arising out

of the ownership, maintenance, use or h. Mobile Equipment

entrustment to others of any "auto" or "Bodily injury" or "property damage" arising out

watercraft owned or operated by or rented or of:

loaned to any insured. Use operation

(1) The transportation of "mobile equipment" and "loading or unloading".

by an "auto" owned or operated by or

This exclusion applies even if the claims

rented or loaned to any insured; or

against any insured allege negligence or other (2) The use of "mobile equipment" in, or while wrongdoing in the supervision, hiring,

in for, or while being employment, training or monitoring of others by

any speed, demolition, that insured, if the " which caused

or stunting .

the "bodily injury" or "property damage" involved

the ownership, maintenance, use or i. War

entrustment to others of any , "auto" or "Bodily injury" or "property damage" arising out

watercraft that is owned or operated by or of:

rented or loaned to anyinsured. (1) War, including undeclared or civil war; This exclusion does not apply to: (2) Warlike by a military force, (1) A watercraft while ashore on premises you in hindering or defending against an

own or rent; or expected attack, by any

(2) A watercraft you do not own that is: government, sovereign or other authority

using militarypersonnel or other agents; or (a) 50 feet long or less; and

(3) Insurrection, rebellion, revolution, usurped (b) Not being used to carry any person or

power, or taken by governmental property for a charge;

authority in hindering or defending against (3) Parking an "auto" on, or on the ways next anyof these.

to, premises you own or rent, provided the

j. Damage To Property "auto" is not owned by or rented or loaned

to you or the insured; "Property damage" to:

(4) Liability assumed under any "insured (1) Property you own, rent, or occupy, contract" for the ownership, maintenance or including any costs or expenses incurred

by you, or anyother person, organization or

entity, for repair, replacement, (5) "Bodily injury" or "property damage" arising

enhancement, restoration or maintenance out of:

of such property for any reason, (a) The operation of machinery or prevention of injury to a person or damage

equipment that is attached to, or part

to another's property;

of, a land vehicle that would qualify as

(2) Premises you sell, give awayor abandon, if "mobile equipment" under the definition

the "property damage" arises out of any of "mobile equipment" if such land

part of those premises; were not subject to a

compulsory or financial responsibility (3) Property loaned toyou;

law, or other motor vehicle insurance (4) Personal property in the care, custody or

law, where it is or principally

control of the insured; garaged; or

Page4 of 21 © 2017 The Travelers Indemnity Company. All rights reserved. CG T1 00 02 19

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

includes 

"occurrence

practice

prearranged racing,

prepared for,

activity

aircraft

vehicle

action including

action

actual

action

including

licensed

An aircraft that is:

aircraft,

use of aircraft or watercraft;

charge.

Travelers Doc Mgmt 127 of 274
COMMERCIAL GENERAL LIABILITY

(5) That particular part of real property on physical injury to "your or

which you or any contractors or "your work" after it has been put to its intended

use. on your behalf are performing operations, if n. Recall Of Products, Work Or Impaired

the "property damage" arises out of those Property

operations; or

Damages claimed for any loss, cost or expense

(6) That part of any property that incurred by you or others for the loss of use, must be restored, repaired or replaced withdrawal, , , repair, because "your work" was replacement, adjustment, removal or disposal

of:

Paragraphs (1), (3) and (4) of this exclusion do (1) "Your product";

not apply to "premises damage". A separate (2) "Your work"; or

limit of insurance applies to "premises damage" (3) "Impaired property"; as described in Paragraph 6. of III –

Limits Of Insurance. if such work, or property is 

Paragraph (2) of this exclusion does not applyif

person or organization of a known or

the premises are "your work" and were never

, , or

, rented or held for rental by you. dangerous condition in it. Paragraphs (3), (4), (5) and (6) of this

o. Personal And Advertising Injury

exclusion do not apply to liability assumed

under a sidetrack agreement. "Bodily injury" arising out of "personal and

advertising injury". Paragraph (6) of this exclusion does not apply

to "property damage" included in the "products- p. Data

completed operations hazard". Damages arising out of the loss of, loss of use

k. Damage To Your Product of, damage to, corruption of, inability to access,

"Property damage" to "your product" arising out

of it or any part of it. However, this exclusion does not apply to

liability for damages because of "bodily injury". l. Damage To Your Work

"Property damage" to "your work" arising out of q. Unsolicited Communication

it or any part of it and included in the "products- "Bodily injury" or "property damage" arising out

completed operations hazard".

of any or alleged violation of any law that

This exclusion does not apply if the damaged or prohibits the sending, transmitting

work or the work out of which the damage or distributing of

arises was performed on your behalf by a

r. Access Or Disclosure Of Confidential Or subcontractor. Personal Information

m. Damage To Impaired Property Or Property

"Bodily injury" or "property damage" arising out Not Physically Injured

of any access to or disclosure of any person's

"Property damage" to "impaired property" or or organization's confidential or personal

property that has not been lly injured,

information. arising out of:

s. Asbestos

(1) A , inadequacy or

dangerous in "your product" or (1) "Bodily injury" or "property damage" arising

"your work"; or out of the actual or alleged presence or

actual, alleged or threatened dispersal of (2) A delay or failure by you or anyone

asbestos, asbestos fibers or products on your behalf to perform a or

containing asbestos, provided that the agreement in accordance with its terms. "bodily injury" or "property damage" is

This exclusion does not applyto the loss of use caused or contributed to by the hazardous

of other property arising out of sudden and properties of asbestos.

CG T1 00 02 19 © 2017 The Travelers Indemnity Company. All rights reserved. Page 5 of 21

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

particular 

incorrectly

accidental product"

recall inspection

Section

occupied

product, withdrawn

because

suspected defect deficiency inadequacy

Electronic

actual

restricts 

"unsolicited communication".

physica

deficiency

condition

acting

contract

subcontractors working directly or indirectly

performed on it.

or recalled from the market or from use by any

or inability to manipulate "electronic data".

defect,

Travelers Doc Mgmt 128 of 274
COMMERCIAL GENERAL LIABILITY

(2) "Bodily injury" or "property damage" arising employment-related described in

out of the or alleged presence or Paragraph (a),(b), or (c) above is

alleged or threatened dispersal of This exclusion applies whether the insured may

any solid, liquid, gaseous or thermal be liable as an employer or in any other

or including smoke, vapors, and to any obligation to share damages with or

soot, fumes, , alkalis, and repay someone else who must pay damages

waste, and that are part of any or because of the "bodily injury".

"suit" which also alleges any "bodily injury" Exclusions c. through n. do not apply to "premises

or "property damage" described in damage". A separate limit of insurance applies to

Paragraph(1) above. "premises damage" as described in Paragraph6. of

(3) Any loss, cost or expense arising out of III – Limits Of Insurance. any: COVERAGE B – PERSONAL AND ADVERTISING

(a) Request, demand, order or statutory or

INJURY LIABILITY

regulatory requirement that any insured 1. Insuring Agreement

or others test for, monitor, clean up, a. We will pay those sums that the insured

remove, contain, treat, detoxify or legally obligated to pay as damages

neutralize, or in any way respond to, or of "personal and advertising injury" to

assess the effects of, asbestos, this insurance applies. We will have the

asbestos fibers or products containing right and dutyto defend the insured against any

asbestos; or "suit" seeking those damages. However, we will

have no duty to defend the insured against any

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

"suit" seeking damages for "personal and governmental authority or any other

advertising injury" to this insurance does person or organization of

not apply. We may, at our ,

testing for, monitoring, cleaning up,

investigate any offense and settle any claim or

removing, containing, treating, "suit" that mayresult. But: detoxifying or neutralizing, or in any

way responding to, or assessing the (1) The amount we will pay for damages is

effects of, asbestos, asbestos fibers or limited as described in III – Limits

products containing asbestos. Of Insurance; and

t. Employment-Related Practices (2) Our right and duty to defend end when we

"Bodily injury" to: have used up the limit of

insurance in the payment of judgments or (1) A person arising out of any:

settlements under Coverages A or B or (a) Refusal to employthat person;

expenses under CoverageC. (b) Termination of that person's

e No other obligation or liability to pay sums or mployment; or

perform or services is unless (c) Employment-related , , explicitly provided for under Supplementary or omission, such as coercion, Payments. demotion, evaluation, reassignment, discipline, failure to promote or b. This insurance applies to "personal and

advance, harassment, humiliation, advertising injury" caused by an offense arising

discrimination, libel, slander, violation out of your business but only if the offense was

of the person's right of committed in the "coverage territory" during the

or false arrest, policyperiod.

detention or imprisonment applied to or 2. Exclusions

at that person, regardless of

This insurance does not applyto: whether such , , or

omission is applied or is a. Knowing Violation Of Rights Of Another

committed before, during or after the "Personal and advertising injury" caused by or

time of that person's employment; or at the of the insured with the

(2) The spouse, child, parent, brother or sister knowledge that the would violate the rights

of that person as a consequence of "bodily of another and would "personal and

injury" to that person at whom any of the advertising injury".

Page6 of 21 © 2017 The Travelers Indemnity Company. All rights reserved. CG T1 00 02 19

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

actual

actual,

irritant

practices

capacity

contaminant,

acids chemicals

claim

because

Section

becomes

because

which 

which

discretion

Section

applicable

practice policy

act

malicious prosecution

directed 

practice policy act 

occurs, 

medical

acts covered

direction

act

inflict

privacy,

directed.

Travelers Doc Mgmt 129 of 274
COMMERCIAL GENERAL LIABILITY

This exclusion does not apply to "personal against a civil or alternative dispute

resolution proceeding in

damages to this insurance b. Material Published With Knowledge Of

applies are alleged. Falsity

f. Breach Of Contract

"Personal and advertising injury" arising out of

oral or written publication, including "Advertising injury" arising out of a breach of

contract.

the of the insured with knowledge of g. Quality Or Performance Of Goods – Failure

its falsity. To Conform To Statements

c. Material Published Or Used Prior To Policy "Advertising injury" arising out of the failure of

Period goods, products or services to conform with

(1) "Personal and advertising injury" arising out any statement of quality or performance made

of oral or written publication, in your "advertisement". publication by electronic means, of material h. Wrong Description Of Prices

whose first publication took place before

"Advertising injury" arising out of the wrong the beginning of the policyperiod; or

description of the price of goods, products or (2) "Advertising injury" arising out of services stated in your "advertisement".

infringement of copyright, "title" or "slogan"

i. IntellectualProperty in your "advertisement" whose first

infringement in your "advertisement" was "Personal and advertising injury" arising out of

committed before the beginning of the any or alleged infringement or violation of

policyperiod. any of the following rights or laws, or any other

"personal and advertising injury" alleged in any d. CriminalActs

claim or "suit" that also alleges any such

"Personal and advertising injury" arising out of a infringement or violation:

criminal committed by or at the of (1) Copyright;

the insured. (2) Patent; e. Contractual Liability

(3) Trade dress; "Personal and advertising injury" for the

insured has assumed liability in a or (4) Trade name;

agreement. This exclusion does not apply to (5) Trademark;

liability for damages: (6) (1) That the insured would have in the absence (7) Other intellectual property rights or laws. This exclusion does not applyto: (2) Because of "personal injury" assumed by

you in a or agreement that is an (1) "Advertising injury" arising out of any

"insured contract", provided that the or alleged infringement or violation of

"personal injury" is caused by an offense another's copyright, "title" or "slogan" in

your "advertisement"; or

the or agreement. Solely for the

(2) Any other "personal and advertising injury" purposes of liability assumed by you in an

alleged in any claim or "suit" that also "insured contract", reasonable attorneys' alleges any such infringement or violation fees and necessary litigation expenses

of another's copyright, "title" or "slogan" in incurred by or for a party other than an

your "advertisement".

insured will be deemed to be damages

because of "personal injury", provided that: j. Insureds In Media And Internet Type

(a) Liability to such party for, or for the Businesses

cost of, that party's defense has also

"Personal and advertising injury" caused by an

been assumed by you in the same

offense committed by an insured whose

"insured contract"; and business is:

(b) Such attorneys' fees and litigation

(1) Advertising, or publishing; expenses are for defense of that party

CG T1 00 02 19 © 2017 The Travelers Indemnity Company. All rights reserved. Page 7 of 21

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

publication

direction

including

which

which

actual

act direction

which 

contract

contract 

contract 

actual

"broadcasting"

injury" caused by malicious prosecution.

by electronic means, of material, if doneby or at

of the contract or agreement; or

committed subsequent to the execution of

Trade secret; or

Travelers Doc Mgmt 130 of 274
COMMERCIAL GENERAL LIABILITY

(2) Designing or determining content of neutralizing, or in anywayresponding to, or

websites for others; or

(3) An Internet search, access, content or o. War

service provider. "Personal and advertising injury" arising out of:

However, this exclusion does not apply to (1) Paragraphs a.(1),(2) and (3) of the definition of

(2) Warlike by a military force, including "personal injury". action in hindering or defending against an

For the purposes of this exclusion: actual or expected attack, by any

(1) Creating and producing correspondence government, sovereign or other authority

written in the conduct of your business, using militarypersonnel or other agents; or

bulletins, financial or annual reports, or (3) Insurrection, rebellion, revolution, usurped

newsletters about your goods, products or power, or taken by governmental

services will not be considered the authority in hindering or defending against

business of publishing; and anyof these. (2) The placing of frames, borders or links, or p. Unsolicited Communication

advertising, for you or others anywhere on

"Personal and advertising injury" arising out of

the Internet will not, by itself, be considered

any or alleged violation of any law that

the business of advertising, "broadcasting" or prohibits the sending, transmitting or publishing.

or distributing of "unsolicited communication".

k. Electronic Chatrooms Or Bulletin Boards

q. Access Or Disclosure Of Confidential Or

"Personal and advertising injury" arising out of Personal Information

an electronic chatroom or bulletin board the "Personal and advertising injury" arising out of

insured hosts or owns, or over which the

any access to or disclosure of any person's or

insured exercises control. organization's confidential or personal

l. Unauthorized Use Of Another's Name Or information. Product r. Asbestos

"Personal and advertising injury" arising out of (1) "Personal and advertising injury" arising out

the unauthorized use of another's name or of the or alleged presence or

product in your e-mail address, domain name or

alleged or threatened dispersal of asbestos, metatag, or any other similar tactics to mislead

asbestos fibers or products containing

another's potential customers. asbestos, provided that the "personal and

m. Pollution advertising injury" is caused or contributed

to by the hazardous properties of asbestos. "Personal and advertising injury" arising out of

the alleged or threatened discharge, (2) "Personal and advertising injury" arising out

dispersal, seepage, migration, release or of the or alleged presence or

e ca e o "po alleged or threatened dispersal of any solid, s p f llutants" at any time.

liquid, gaseous or thermal irritant or

n. Pollution-Related contaminant, including smoke, vapors,

Anyloss, expense arising out of any: soot, fumes, alkalis, and

waste, and that are part of any or (1) Request, demand, order or statutory or

"suit" which also alleges any "personal and regulatory requirement that any insured or

advertising injury" described in Paragraph others test for, monitor, up, remove, (1) above. contain, treat, detoxify or neutralize, or in

any way respond to, or assess the effects (3) Any loss, cost or expense arising out of

of, "pollutants"; or any:

(2) Claim or suit by or on behalf of any (a) Request, demand, order or statutory or

governmental authority or any other person regulatory requirement that any insured

or organization of testing for, or others test for, monitor, clean up,

monitoring, up, removing, remove, contain, treat, detoxify or

containing, treating, detoxifying or neutralize, or in any way respond to, or

Page8 of 21 © 2017 The Travelers Indemnity Company. All rights reserved. CG T1 00 02 19

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

action

action

actual,

actual

restricts 

actual actual,

actual actual,

cost or

clean

because

cleaning

acids, chemicals

claim

assessing the effects of, "pollutants".

War, including undeclared or civil war;

Travelers Doc Mgmt 131 of 274
COMMERCIAL GENERAL LIABILITY

assess the effects of, asbestos, (3) of your operations;

asbestos fibers or products containing provided that:

asbestos; or (a) The takes place in the "coverage

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

territory" and during the policyperiod;

governmental authority or any other

(b) The expenses are incurred and reported to person or organization of

us within one year of the date of the testing for, monitoring, cleaning up,

and removing, containing, treating, detoxifying or neutralizing, or in any (c) The injured person submits to examination, way responding to, or assessing the

effects of, asbestos, asbestos fibers or as often as we reasonably require. products containing asbestos. b. We will make these payments of

s. Employment-Related Practices fault. These payments will not exceed the

applicable limit of insurance. We will pay

"Personal injury" to:

reasonableexpenses for:

(1) A person arising out of any: (1) First aid administered at the time of an

(a) Refusal to employthat person;

(b) Termination of that person's (2) , X-ray and

employment; or dental services, (c) Employment-related , , act or omission, such as coercion, (3) hospital, demotion, evaluation, reassignment, professional nursing and funeral services. discipline, failure to promote or 2. Exclusions

advance, harassment, humiliation, di crim na We will not payexpenses for "bodily injury": s i tion, libel, slander, violation

of the person's right of , a. Any Insured

or false arrest,

detention or imprisonment applied to or

at that person, regardless of b. Hired Person

whether such , , or To a person hired to do work for or on behalf of

omission is applied or is anyinsured or a tenant of any insured. committed before, during or after the c. Injury On Normally Occupied Premises

time of that person's employment; or

To a person injured on that part of premises

(2) The spouse, child, parent, brother or sister you own or rent that the person normally

of that person as a consequence of

"personal injury" to that person at whom

d. Workers' Compensation And Similar Laws any of the employment-related

described in Paragraph (a), (b), or (c) To a person, whether or not an "employee" of

above is directed. any insured, if benefits for the "bodily injury" are

payable or must be provided under a workers' This exclusion applies whether the insured may

compensation or disability benefits law or a

be liable as an employer or in any other

similar law. and to any obligation to share damages with or

repay someone else who must pay damages e. Athletics Activities

of the "personal injury". To a person injured while

COVERAGE C – MEDICAL PAYMENTS or participating in any physical exercises or

games, sports, or athletic contests. 1. Insuring Agreement

f. Products-Completed Operations Hazard a. We will pay medical expenses as

below for "bodily injury" caused byan accident: Included within the "products-completed

operations hazard". (1) On premises you own or rent;

g. Coverage A Exclusions (2) On ways next to premises you own or rent;

or under CoverageA.

CG T1 00 02 19 © 2017 The Travelers Indemnity Company. All rights reserved. Page 9 of 21

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

Because

accident

because

practice policy

privacy

malicious prosecution

directed 

practice policy act 

occurs, 

accident;

regardless

accident;

Necessary medical, surgical

including prosthetic

devices; and

Necessary ambulance,

practices

capacity

because

described

occupies.

practicing,instructing

Excluded

at our expense, by physicians of our choice

To any insured, except "volunteer workers".

Travelers Doc Mgmt 132 of 274
COMMERCIAL GENERAL LIABILITY

SUPPLEMENTARY PAYMENTS assumed by the insured in the same "insured

contract"; 1. We will pay, with to any claim we

investigate or settle, or any "suit" against an insured d. The allegations in the "suit" and the information

we defend: we know about the "occurrence" or offense are

such that no conflict appears to exist between

a. All expenses we incur.

the interests of the insured and the interests of

b the indemnitee; . Up to $2,500 for the cost of bail bonds required

because of accidents or traffic law violations e. The indemnitee and the insured ask us to

arising out of the use of any to and control the defense of that

the Bodily Injury Liability Coverage applies. We indemnitee against such "suit" and agree that

do not have to these bonds. we can assign the same counsel to defend the

insured and the indemnitee; and c. The cost of bonds to attachments, but

f. The indemnitee:

of insurance. We do not have to furnish these (1) Agrees in writing to:

bonds. (a) Cooperate with us in the investigation,

d. All reasonable expenses by the settlement or defense of the"suit";

insured at our request to assist us in the (b) Immediately send us copies of any

investigation or defense of the claim or "suit", demands, notices, summonses or legal

including loss of earnings up to $500 a

papers received in with the

"suit";

e. All court costs taxed against the insured in the (c) Notify any other insurer whose

"suit". However, these payments do not coverage is available to the indemnitee;

attorneys' fees or attorneys' expenses taxed and

against the insured. (d) Cooperate with us with to

f. Prejudgment interest awarded against the coordinating other applicable insurance

insured on that part of the judgment we pay. If available to the indemnitee; and

we make an offer to pay the applicable limit of (2) Provides us with written authorization to:

insurance, we will not pay any prejudgment (a) Obtain and other information

interest based on that period of time after the

related to the"suit"; and offer. (b) g. All interest on the full amount of any judgment

indemnitee in such "suit". that after entry of the judgment and

before we have paid, offered to pay, or So long as the above conditions are met, attorneys' deposited in court the part of the judgment that fees by us in the defense of that

is within the applicable limit of insurance. indemnitee, necessary litigation expenses

by us and necessary litigation expenses by These payments will not the limits of

the indemnitee at our request will be paid as

. Supplementary Payments. Notwithstanding the

2. If we defend an insured against a "suit" and an provisions of Paragraph 2.b.(2) of I –

indemnitee of the insured is also named as a Coverages – Coverage A – Bodily Injury And

to the "suit", we will defend that indemnitee if all of Property Damage Liability or Paragraph 2.e. of

the following I – Coverages – Coverage B – Personal

a. The "suit" against the indemnitee seeks And Advertising Injury Liability, such payments will

damages for the insured has assumed not be deemed to be damages for "bodily injury",

the liability of the indemnitee in a or "property damage" or "personal injury", and will not

a reduce the limits of insurance. greement

b. This insurance applies to such liabilityassumed Our obligation to defend an insured's indemnitee

by theinsured; and to pay for attorneys' fees and

c. The obligation to defend, or the cost of the litigation expenses as Supplementary Payments

ends when: defense of, that indemnitee, has also been

Page10 of 21 © 2017 The Travelers Indemnity Company. All rights reserved. CG T1 00 02 19

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

respect 

vehicle which

furnish 

release

incurred

actual

conduct 

connection

include

accrues

reduce

insurance

party

which 

contract

that is an "insured contract";

respect

records 

incurred

incurred

incurred

Section

Section

necessary

only for bond amountswithin the applicable limit

day because of time off from work.

Conduct and control the defense of the

conditions are met:

Travelers Doc Mgmt 133 of 274
COMMERCIAL GENERAL LIABILITY

a. We have used up the applicable limit of workers" while performing duties

in the payment of judgments, related to the conduct of your

settlements or medical expenses; or business;

b (b) To the spouse, child, parent, brother or . The conditions set forth above, or the terms of

the agreemen in Paragraphf. above, sister of that co-"employee" or

are no longer met. "volunteer worker" as a consequence

of Paragraph(1)(a) above; SECTION II – WHO IS AN INSURED

(c) For which there is any obligation to 1. If you are designated in the

share damages with or repay someone

a. An individual, you and your spouse are

else who must pay damages because insureds, but only with to the

of the injury described in Paragraph

of a business of you are the sole owner. (1)(a) or (b) above; or

b. A partnership or joint venture, you are an

(d) Arising out of his or her providing or

insured. Your members, your partners, and

failing to provide professional health

their spouses are also insureds, but only with

care services. Unless you are in the business or

c. A limited liability company, you are an insured. occupation of providing professional health Your members are also insureds, but only with

care services, Paragraphs (1)(a), (b), (c) to the of your business. Your

and (d) above do not apply to "bodilyinjury" managers are insureds, but only with to

arising out of providing or failing to provide

their duties as your managers.

first aid or "Good Samaritan services" by

d. An organization other than a partnership, joint any of your "employees" or "volunteer

venture or limited liability company, you are an workers", other than an employed or

volunteer Any such "employees" or

are insureds, but only with to their "volunteer workers" providing or failing to

duties as your or . Your provide first aid or "Good Samaritan

stockholders are also insureds, but only with services" during their work hours for you

will be deemed to be within the

e. A scope of their employment by you ortrust, you are an insured. Your trustees are

performing duties related to the conduct of also insureds, but only with to their

your business. duties as trustees.

(2) "Property damage" to property: 2. of the following is also an insured:

(a) Owned, or used by; a. Your "volunteer workers" only while performing

duties related to the of your business, (b) Rented to, in the , custody or

or your "employees", other than either your control of, or over which physical

control is being exercised for any

other than a partnership, joint venture or limited purpose by;

liability company) or your managers (if you are a you, any of your "employees", "volunteer

limited liability company), but only for workers", any partner or member (if you are

within the of their employment by you or a partnership or joint venture), or any while performing duties related to the conduct member (if you are a limited liability

of your business. However, none of these company). "employees" or "volunteer workers" are b. Any person (other than your "employee" or

insureds for: "volunteer worker"), or any organization, while

(1) "Bodily injury" or "personal injury": acting as your real estate manager. (a) To you, to your partners or members (if c. Any person or organization having proper

you are a partnership or joint venture),

temporary custody of your property if you die,

to your members (if you are a limited but only:

liability company), to a co-"employee" (1) With to liability arising out of the while in the of his or her

maintenance or use of that property; and employment or performing duties

related to the of your (2) Until your legal representative has been

business, or to your other "volunteer appointed.

CG T1 00 02 19 © 2017 The Travelers Indemnity Company. All rights reserved. Page11 of 21

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

insurance

t described

Declarations as:

respect conduct

which 

respect conduct

respect

respect 

officers directors

respect 

Each 

conduct 

acts

scope

doctor.

acting

occupied

care

course

conduct 

respect

respect to the conduct of your business.

insured. Your "executive officers" and directors

respect to their liability as stockholders.

"executive officers" (if you are an organization

Travelers Doc Mgmt 134 of 274
COMMERCIAL GENERAL LIABILITY

d. Your legal representative if you die, but only b. Arises out of the ownership, maintenance or

with to duties as such. That use of that part of any premises leased to you.

representative will have all your rights and The insurance provided to such premises owner, duties under this CoveragePart. manager or lessor is to the following

e. Any person or organization that, with your provisions:

express or implied consent, either uses or is a. The limits of insurance provided to such

responsible for the use of a watercraft that you premises owner, manager or lessor will be the

do not own that is: minimum limits that you agreed to provide in the

(1) 50 feet long or less; and written or agreement, or the limits

shown in the rations, whi ver are less. (2) Not being used to carry any person or

property for a . b. The insurance provided to such premises

owner, manager or lessor does not applyto: 3. Any organization you newly or form, other

than a partnership, joint venture or limited liability (1) Any "bodily injury" or "property damage" company, and of you are the sole owner or in that occurs, or "personal and advertising

you maintain an ownership interest of more injury" caused by an offense that is

than 50%, will qualify as a Named Insured if there is committed, after you to be a tenant in

no other similar insurance available to that that premises; or

organization. However: (2) Structural alterations, new or

a. Coverage under this provision is afforded only demolition operations performed by or on

until the 180th day after you or form the behalf of such premises owner, manager or

organization or the end of the period, lessor. 5. Any person or organization that is an equipment

b. Coverage A does not apply to "bodily injury" or lessor and that you have agreed in a written contract

"property damage" that before you or agreement to include as an additional insured on

uired or formed the organization; and this Coverage Part is an insured, but only with

respect to liability for "bodily injury", "property c. Coverage B does not apply to "personal and

damage", or "personal and advertising injury" that: advertising injury" arising out of an offense

committed before you acquired or formed the a. Is "bodily injury" or "property damage" that

organization. occurs, or is "personal and advertising injury" caused by an offense that is committed, For the purposes of Paragraph 1. of Section II –

subsequent to the signing of that contract or Who Is An Insured, each such organization will be

agreement; and

deemed to be designated in the

b. Is caused, in whole or in part, by your acts or

a. An organization, other than a partnership, joint omissions in the maintenance, operation or use

venture or limited liabilitycompany; or of equipment leased to you by such equipment

b lessor. . A trust;

The insurance provided to such equipment lessor is as ted in its name or the documents that

subject to the following provisions: govern its structure. a. The limits of insurance provided to such 4. Any person or organization that is a premises equipment lessor will be theminimum limits that

owner, manager or lessor and that you have agreed you agreed to provide in the written contract or

in a written contract or agreement to include as an agreement, or the limits shown in the

additional insured on this Coverage Part is an Declarations, whichever areless.

insured, but only with respect to liability for "bodily b. The insurance provided to such equipment

injury", "property damage" or "personal and

lessor does not apply to any "bodily injury" or

advertising injury" that: "property damage" that occurs, or "personal

a. Is "bodily injury" or "property damage" that and advertising injury" caused by an offense

occurs, or is "personal and advertising injury" that is committed, after the equipment lease

caused by an offense that is committed, expires. subsequent to the signing of that contract or No person or organization is an insured

agreement; and the conduct of any current or past partnership, joint

Page12 of 21 © 2017 The Travelers Indemnity Company. All rights reserved. CG T1 00 02 19

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

respect 

charge

acquire

which

which

acquire

policy

whichever is earlier;

occurred

acq

subject 

contract

Decla che

cease

construction

indica

Declarations as:

with respect to

Travelers Doc Mgmt 135 of 274
COMMERCIAL GENERAL LIABILITY

a. The amount shown for the Damage To

a Named Insured in the arations. This paragraph Premises Rented To You Limit in the

does not apply to any such partnership, joint venture or De rations of this CoveragePart; or

limited liability company that otherwise qualifies as an b. $300,000 if no amount is shown for the

Damage To Premises Rented To You Limit in

SECTION III – LIMITS OF INSURANCE

7. Subject to Paragraph 5. above, the Medical 1. The Limits of Insurance shown in the

Expense Limit is the most we will pay under and the rules below fix the most we will pay Coverage C for all medi expenses because of regardless of the number of:

"bodilyinjury" sustained byanyone person. a. Insureds; The Limits of Insurance of this Coverage Part apply b. Claims made or "suits" brought; or separately to each consecutive annual period and to any

c. Persons or organizations making or

remaining period of less than 12 months, starting with

bringing "suits". the beginning of the policy period shown in the

De rations, unless the policy period is extended after 2. The General Aggregate Limit i most wewill pay

issuance for an additional period of less than 12 for the sum of:

months. In that case, the additional period will be

a. Medical expenses under CoverageC; deemed part of the last pre ing period for purposes of

b. Damages under Coverage A, except damages determining the Limits of Insurance. of "bodily injury" or "property damage" SECTION IV – COMMERCIAL GENERAL LIABILITY

included in the "products-completed operations CONDITIONS

hazard"; and 1. Bankruptcy

c. Damages under CoverageB. Bankruptcy or insolvency of the insured or of the

3. The Products-Completed Operations Aggregate insured's estate will not relieve us of our obligations

Limit is the most we will pay under Coverage A for under this CoveragePart. damages of "bodily injury" and "property 2. Duties In The Event Of Occurrence, Offense, damage" included in the "products-completed Claim Or Suit

operations hazard". a. You must see to it that we are notified as soon 4. Subject to Paragraph 2. above, the Personal And

as pra able of an " or an offense Advertising Injury Limit is the most we will pay which may result in a claim. To the extent

under Coverage B for the sum of all damages

possible, should

because of all "personal injury" and "advertising

injury" sustained byanyone person or organization. (1) How, when and where the rence" or

offense took place; 5. Subject to Paragraph 2. or 3. above, applies, the Occurrence Limit is the most we (2) The names and addresses of any injured

will pay for the sum of: persons and witnesses; and

a. Damages under CoverageA; and (3) The nature and location of any injury or

damage arising out of the rence" or b. Medical expenses under CoverageC; offense. because of all "bodily injury" and "property damage" b. If a claim is made or "suit" is brought against arising out of anyone "occurrence". anyinsured, you must:

For the purposes of determining the applicable

(1) Immediately re d the of the Each Occurrence Limit, all related or claim or "suit" and the date received; and

omissions committed in providing or failing to

pro (2) Notifyus as soon as practicable. vide first aid or "Good Samaritan services" to

any one person will be deemed to be one You must see to it that we receive written 

"occurrence". of the claim or "suit" as soon as

6. Subject to Paragraph 5. above, the Damage To c. You and anyother involved insured must:

Premises Rented To You Limit is the most we will (1) Immediately send us copies of any pay under Coverage A for damages of demands, , summonses or legal "premises damage" to any one premises. The

papers re ved in conne n with the Damage To Premises Rented To You Limit will be: claim or "suit";

CG T1 00 02 19 © 2017 The Travelers Indemnity Company. All rights reserved. Page13 of 21

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

Decl

Declarations

claims 

s the

because

cla

cal

cla

ced

because

whichever

Each

acts

because

ctic "occurrence

notice include:

"occur

"occur

cor specifics

notice

practicable.

notices

cei ctio

venture or limited liability company that is not shown as

the Declarations of this Coverage Part.

insured under Section II – Who Is An Insured. 

Travelers Doc Mgmt 136 of 274
COMMERCIAL GENERAL LIABILITY

(2) Authorize us to obtain and other (iii) An officer or of

information; anyother organization; or

(3) Cooperate with us in the investigation or (iv) A trustee of any trust;

settlement of the claim or defense against that is your partner, joint venture

the "suit"; and

member, manager or trustee; or

(4) Assist us, upon our request, in the (b) Any employee authorized by such

enforcement of any right against any partnership, joint venture, limited

person or organization may be liable

liability company, trust or other

to the insured of injury or damage

organization to give of an

to which this insurancemayalso apply. " or offense. d. No insured will, except at that insured's own

(3) to us of such or

cost, voluntarily make a payment, assume any offense will be deemed to be given as soon

obligation, or any expense, other than for

as practicable if it is given in good faith as

first aid, without our 

soon as practicable to your workers' e. The following provisions apply to Paragraph a. compensation insurer. This applies only if

above, but only for purposes of the insurance you subsequently give notice to us of the

provided under this Coverage Part to you or any "occurrence" or offense as soon as

insured listed in Paragraph 1. or 2. of SectionII practicable after any of the persons – Who Is An Insured: described in Paragraph e.(1) or (2) above

discovers that the "occurrence" or offense

(1) Notice to us of such or may result in sums to which the insurance

offense must be given as soon as provided under this Coverage Part may

pra ble only after the rence" or apply. offense is known to you (if you are an However, if this policy includes an endorsement

individual), any of your partners or that provides limited coverage for "bodily injury" members who is an individual (if you are a

or "property damage" or pollution costs arising

partnership or joint venture), any of your out of a discharge, release or escape of

managers who is an individual (if you are a

"pollutants" which contains a requirement that

limited liability company), any of your

the discharge, release or escape of "pollutants"

"executive officers" or (if you are must be reported to us within aspecific number

an organization other than a partnership, of days after its abrupt commencement, this

joint venture, or limited liability company), Paragraph e. does not affect that requirement.

any of your trustees who is an individual (if 3. Legal Action Against Us

you are a trust) or any "employee" authorized by you to give notice of an No person or organization has a right under this

"occurrence" or offense. Coverage Part:

a. To join us as a party or otherwise bring us into (2) If you are a partnership, joint venture, a "suit" asking for damages from an insured; or

limited liability company or trust, and none

of your partners, joint venture members, b. To sue us on this Coverage Part unless all of

managers or trustees areindividuals, notice its terms have been fullycomplied with.

to us of such "occurrence" or offense must A person or organization may sue us to recover on

be given as soon as practicable only after an agreed settlement or on a final judgment against

the "occurrence" or offense is known by: an insured; but we will not be liable for damages

that are not payable under the terms of this

(a) Anyindividual whois:

Coverage Part or that are in excess of the

(i) A partner or member of any applicable limit of insurance. An agreed settlement

partnership or joint venture; means a settlement and release of liabilitysigned by

us, the insured, and the claimant or the claimant's

(ii) A manager of any limited liability

legal representative. company;

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records

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because

executive director

notice

"occurrence

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"occurrence"

Travelers Doc Mgmt 137 of 274
COMMERCIAL GENERAL LIABILITY

4. Other Insurance (ii) That is insurance for "premises

damage";

If valid and collectible other insurance is available to

the insured for a loss we cover under Coverages A (iii) If the loss arises out of the

or B of this Coverage Part, our obligations are maintenance or use of aircraft,

limited as described in Paragraphsa. andb. below. "autos" or watercraft to the extent

not subject to any exclusion in this As used anywhere in this Coverage Part, other Coverage Part that applies to insurance means insurance, or the funding of

aircraft, "autos" or watercraft;

losses, that is provided by, through or on behalf of:

(iv) That is insurance available to a

(i) Another insurance company; premises owner, manager or

(ii) Us or anyof our affiliated insurance companies, lessor that qualifies as an insured

except when the Non cumulation of under Paragraph 4. of II – Occurrence Limit provision of Paragraph 5. of Who Is An Insured, except when

III – Limits Of Insurance or the Non Paragraphd. below applies; or

cumulation of Personal and Advertising Injury

(v) That is insurance available to an

Limit provision of Paragraph 4. of III –

equipment lessor that qualifies as Limits of Insurance applies the

an insured under Paragraph 5. of Amendment – Non Cumulation Of II – Who Is An Insured, Occurrence Limit Of Liability And Non

except when Paragraph d. below

Cumulation Of Personal And Advertising Injury applies. Limit endorsement is included in thi ; (b) Any of the other insurance, whether (iii)Anyrisk retention group; or primary, excess, contingent or on any

(iv) Any self-insurance method or program, in other basis, that is available to the

which case the insured will be deemed to be insured when the insured is an

the provider of other insurance. additional insured, or is any other

Ot insured that does not qualify as a her insurance does not include umbrella

named insured, under such other

insurance, or excess insurance, that was bought

insurance. specifically to apply in excess of the Limits of

Insurance shown in the of this (2) When this insurance is excess, we will

Coverage Part. have no duty under Coverages A or B to

defend the insured against any "suit" if any As used anywhere in this Part, other

other insurer has a duty to defend the insurer means a provider of other insurance. As insured against that "suit". If no other

used in Paragraph c. below, insurer means a

insurer defends, we will undertake to do so, provider of insurance. but we will be entitled to the insured's rights

a. Primary Insurance against all those other insurers.

(3) When this insurance is excess over other This insurance is primary when

insurance, we will pay only our share of the Paragraph b. below applies. If this insurance is

amount of the loss, if any, that exceeds the primary, our obligations are not affected unless

sum of: any of the other insurance is also primary. Then, we will share with all that other insurance (a) The total amount that all such other

by themethod described in Paragraphc. below, insurance would pay for the loss in the

except when Paragraphd. below applies. absence of this insurance; and

(b) The total of all and self- b. Excess Insurance

insured amounts under all that other

(1) This insurance is excess over: insurance.

(a) Any of the other insurance, whether (4) We will share the remaining loss, if any, primary, excess, contingent or on any with any other insurance that is not

other basis: described in this Excess Insurance

provision and was not bought specifically to

(i) That is Fire, Extended Coverage, apply in excess of the Limits of Insurance

Builder's Risk, Installation Risk or shown in the rations of this Coverage

Part.

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Section

Section

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Each

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Declarations 

Coverage

Travelers Doc Mgmt 138 of 274
COMMERCIAL GENERAL LIABILITY

c. Method Of Sharing a. The statements in the are

accurate and complete;

If all of the other insurance permits contribution

by equal shares, we will follow this method also. b. Those statements are based upon

Under this each insurer contributes representations you made to us; and

equal amounts until it has paid its applicable c. We have issued this policy in reliance upon

limit of insurance or none of the loss remains, your representations.

The unintentional omission of, or unintentional error

If any of the other insurance does not permit

in, any information provided by you which we relied

contribution by equal shares, we will contribute upon in issuing this policy will not prejudice your

by limits. Under this method, each insurer's rights under this insurance. However, this provision

share is based on the ratio of its applicable limit does not affect our right to collect additional

of insurance to the total applicable limits of premium or to exercise our rights of cancellation or

insurance of all insurers. nonrenewal in accordance with applicableinsurance

d. Primary And Non-Contributory Insurance If laws or regulations.

Required By Written Contract 7. Separation Of Insureds

If you specifically agree in a written contract or Except with respect to the Limits of Insurance, and

agreement that the insurance afforded to an any rights or duties assigned in this

insured under this CoveragePart must applyon Coverage Part to the first Named Insured, this

a primary basis, or a primary and noninsurance applies:

contributory basis, this insurance is primary to

a. As if each Named Insured were the only other insurance that is availableto Named Insured; and which covers such insured as a named insured, and we will not share with that other insurance, b. Separately to each insured against whom claim

pro is made or "suit" is brought. vided that:

(1) The "bodily injury" or "property damage" for 8. Transfer Of Rights Of Recovery Against Others

which coverage is sought occurs; and To Us

(2) The "personal and advertising injury" for

If the insured has rights to recover all or part of any

whi h payment we have made under this Coverage Part, c coverage is sought is caused by an

o

those rights are transferred to us. The insured must ffense that is committed;

do nothing after loss to impair them. At our request, subsequent to the signing of that contract or

the insured will bring "suit" or transfer those rights

agreement by you.

to us and help us enforce them. 5. Premium Audit 9. When We Do Not Renew

a. We will compute all premiums for this Coverage

If we decide not to renew this Coverage Part, wewill Part in accordance with our rules and rates. mail or deliver to the first Named Insured shown in

b. Premium shown in this Coverage Part as the Declarations written notice of the nonrenewal

advance premium is a deposit premium only. At not less than 30 days beforethe expiration date.

the close of each audit period we will compute

If notice is mailed, proof of mailing will be sufficient

the earned premium for that period and send

proof of notice. notice to the first Named Insured. The due date

for audit and retrospective premiums is the date SECTION V – DEFINITIONS

shown as the due date on the bill. If the sum of 1. "Advertisement" means a notice that is broadcast or

the advance and audit premiums paid for the published to the general public or specific market

policy period is greater than the earned segments about your goods, products or services

premium, we will return the excess to the first for the purpose of attra g customers or

Named Insured. supporters. For the purposes of this definition:

c. The first Named Insured must keep records of a. Notices that are published include material

the information we need for premium placed on the Internet or on similar 

computation, and send us copies at such times means of communication; and

as we may request. b. Regarding websites, only that part of a website

6. Representations that is about your goods, products or services

By for the purposes of attra customers or pting this policy, you agree:

supporters is considered an advertisement.

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such insured

Travelers Doc Mgmt 139 of 274
COMMERCIAL GENERAL LIABILITY

2. "Advertising injury": b. In, by or with any other ele onic means of

communication, such as the Internet, if that a. Means injury caused by one or more of the

material is part of: following offenses:

(1) Oral or written ation, including (1) Radio or television programming being

publication by ele onic means, of material transmitted;

in your "advertisement" that slanders or (2) Other entertainment, educational,

libels a person or organization or instructional, music or news programming

disparages a person's or organization's being transmitted; or

goods, products or services, provided that

the claim is made or the "suit" is brought by (3) Advertising transmitted with any of such

a person or organization that claims tohave programming. been slandered or libeled, or that claims to 6. "Coverage territory" means: have had its goods, products or services

disparaged; a. The United States of America (including its

(2) Oral or written publi ion, including territories and possessions), Puerto Rico and

pu Canada; blication by ele nic means, of material

in your "advertisement" that: b. International waters or airspace, but only if the

(a) Appropriates a person's name, voice, injury or damage occurs in the course of travel

photograph or likeness; or or transportation between any places included

in Paragrapha. above; or (b) Unreasonably places a person in a

false light; or c. All other parts of the world if the injury or

damage arises out of: (3) Infringement of copyright, "title" or "slogan"

in your "advertisement", provided that the (1) Goods or products made or sold by you in

claim is made or the "suit" is brought by a the territory described in Paragraph a.

person or organization that claims above;

ownership of such copyright, "title" or (2) The activities of a person whose home is in

"slogan".

the territory described in Paragraph a.

b. Includes "bodily injury" caused by one or more above, but is away for a short time on your

of the offenses described in Paragraph a. business; or

above. (3) "Personal and advertising injury" offenses 3. "Auto" means:

that take place through the Internet or

a. A land motor vehicle, trailer or semitrailer similar electronic means of communication;

designed for travel on public roads, including

provided the insured's responsibility to pay anyattached machineryor equipment; or damages is determined in a "suit" on the merits in

b. Any other land vehicle that is subject to a the territory described in Paragraph a. above, or in a

compulsory or financial responsibility law, or settlement we agree to. other motor vehicle insurance law, where it is

7. "Electronic data" means information, facts or

licensed or principallygaraged. programs stored as or on, created or used on, or

However, "auto" does not include "mobile

transmitted to or from computer software (including

equipment".

systems and applications software), hard or floppy

4. "Bodily injury" means: disks, CD-ROMs, tapes, drives, cells, data

a. Physical harm, including sickness or disease, processing devices or any other media are

sustained byaperson; or used with ele onicallycontrolled equipment. b. Mental anguish, injury or illness, or emotional 8. "Employee" includes a "leased worker". "Employee" distress, resulting at any time from such does not include a "temporaryworker". physical harm, si ess or disease. 9. "Executive officer" means a person holding any of

5. "Broadcasting" means transmitting any audio or

the officer positions created by your charter,

visual material for any purpose: constitution, bylaws or any other similar governing

a. By radio or television; or document.

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Travelers Doc Mgmt 140 of 274
COMMERCIAL GENERAL LIABILITY

10. "Good Samaritan services" means any emergency tracks, roadbeds, tunnel, underpass or

medical services for which no compensation is crossing;

demanded or received. (2) That indemnifies an archit engineer or

11. "Hostile fire" means a fire which mes surveyor for injury or damage arising out of:

ntrollable or breaks out from where it was

(a) Preparing, approving, or failing to

intended to be. prepare or approve, maps, shop

12. "Impaired property" means tangible property, other drawings, opinions, reports, surveys,

than "your product" or "your work", that cannot be field orders, change orders or drawings

used or is less useful because: and specifications; or

a. It incorporates "your product" or "your work" (b) Giving directions or instructions, or

that is known or thought to be defe ve, failing to give them, if that is the

defi nt, inadequate or dangerous; or primary cause of the injury or damage;

or b. You have failed to fulfill the terms of a contract

or agreement; (3) Under which the insured, if an architect,

engineer or surveyor, assumes liability for

if such property can be restored to use by the

an injury or damage arising out of the repair, replacement, adjustment or removal of "your insured's rendering or failure to render product" or "your work" or your fulfilling the terms of

professional services, including those listed

the contract or agreement. in Paragraph (2) above and supervisory, 13. "Insured contract" means: inspection, archite ral or engineering

a. A co activities. ntract for a lease of premises. However,

that portion of the contract for a lease of 14. "Leased worker" means a person leased to you bya

premises that indemnifies any person or labor leasing firm under an agreement between you

organization for "premises damage" is not an and the labor leasing firm, to perform duties related

"insured contract"; to the conduct of your business. "Leased worker"

does not include a "temporaryworker". b. A sidetrack agreement;

15. "Loading or unloading" means the handling of c. Any easement or license agreement, except in

property: connection with construction or demolition

operations on or within 50 feet of a railroad; a. After it is moved from the place where it is

pted for movement into or onto an aircraft, d. An obligation, as required by ordinance, to

watercraft or "auto"; indemnify a municipality, except in connection

with work for amuni ality; b. While it is in or on an aircraft, watercraft or

"auto"; or e. An elevator maintenance agreement;

c. While it is being moved from an aircraft, f. That part of any other contract or agreement

watercraft or "auto" to the place where it is pertaining to your business (including an

finallydelivered;

indemnification of a municipality in conne n

with work performed for a municipality) under but "loading or unloading" does not include the

which you assume the tort liability of another movement of property by means of a mechanical

party to pay for "bodily injury", "property device, other than a hand truck, that is not attached

damage" or "personal injury" to a third person to the aircraft, watercraft or "auto".

or organization. Tort liability means a liability 16. "Mobile equipment" means any of the following

that would be imposed by law in the absence of

types of land vehicles, including any attached

any contr or agreement. machineryor equipment:

Paragraph f. does not include that part of any a. Bulldozers, farm machinery, forklifts and other

contract or agreement: vehi s designed for use principally off public

(1) That indemnifies a railroad for "bodily roads;

injury" or "property damage" arising out of b. Vehicles maintained for use solely on or next to

constru n or demolition operations, premises you own or rent; within 50 feet of any railroad property and

c. Vehicles that travel on wler treads; affecting any railroad bridge or trestle,

Page18 of 21 © 2017 The Travelers Indemnity Company. All rights reserved. CG T1 00 02 19

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Travelers Doc Mgmt 141 of 274
COMMERCIAL GENERAL LIABILITY

d. Vehi s, whether self-propelled or not, b. An act or omission committed in providing or

maintained primarily to provide mobility to failing to provide first aid or "Good Samaritan

permanentlymounted: services" to a person, unless you are in the

business or occupation of providing (1) Power cranes, shovels, loaders, diggers or

dri professional health care services.lls; or

(2) Road construction or resurfacing 18. "Personal and advertising injury" means "personal

equipment such as graders, scrapers or injury" or "advertising injury".

rollers; 19. "Personal injury":

e. Vehicles not described in Paragraph a., b., c.

a. Means injury, other than "advertising injury", or d. above that are not self-propelled and are

maintained primarily to provide mobility to caused by one or more of the following

pe m n n offenses: r a e tly attached equipment of the

following types: (1) False arrest, detention or imprisonment;

(1) Air compressors, pumps and generators, (2) Malicious prose ion;

including spraying, welding, building

cleaning, geophysical exploration, lighting (3) The wrongful evi n from, wrongful entry

and well servicing equipment; or into, or invasion of the right of private

(2) Cherry pickers and similar devices used to occupancy of a room, dwelling or premises

raise or lower workers; that a person occupies, provided that the

wrongful eviction, wrongful entryor invasion

f. Vehicles not described in Paragraph a., b., c.

of the right of private occupancy is

or d. above maintained primarily for purposes

committed by or on behalf of the owner, other than the transportation of persons or

landlord or lessor of that room, dwelling or cargo. premises;

However, self-propelled vehicles with the

following types of permanently attached (4) Oral or written publication, including

equipment are no "m bi e e upm n " bu wil publication by electronic means, of material t o l q i e t t l

be considered "autos": that slanders or libels a person or

or disparages a person's or (1) Equipment designed primarilyfor:

(a) Snow removal; provided that the claim is made or the "suit"

(b) Road maintenance, but not is brought by a person or organization that

constru n or resurfacing; or claims to have been slandered or libeled, or

that claims to have had its goods, products (c) Street ning;

or services disparaged; or (2) Cherry pickers and similar devices

mounted on automobile or truck chassis (5) Oral or written publication, including

and used toraise or lower workers; and publication by electronic means, of material

that: (3) Air compressors, pumps and generators,

including spraying, welding, building (a) Appropriates a person's name, voice, cleaning, geophysical exploration, lighting photograph or likeness; or

and well servicing equipment. (b) Unreasonably places a person in a However, "mobile equipment" does not include any

false light.

land vehicle that is subject to a compulsory or

financial responsibility law, or other motor vehicle b. Includes "bodily injury" caused by one or more

insurance law, where it is licensed or principally of the offenses described in Paragraph a.

garaged. Such land vehicles are considered above. "autos". 20. "Pollutants" mean any solid, liquid, gaseous or

17. "Occurrence" means:

thermal irritant or contaminant, including smoke, a. An accident, including continuous or repeated vapor, soot, fumes, ds, alkalis, chemicals and

e po ure waste. Waste includes materials to be recycled, x s to substantially the same general

ha m ul co di reconditioned or reclaimed. r f n tions; or

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cle

cut

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organization

organization's goods, products or services,

Travelers Doc Mgmt 142 of 274
COMMERCIAL GENERAL LIABILITY

21. "Premises damage" means: contract calls for work at more than

onejob site. a. With res to the first paragraph of the

exceptions in Exclusion j. of I – (c) When that part of the work done at a

Coverage A – Bodily Injury And Property job site has been put to its intended

Damage Liability, "property damage" to any use byanyperson or organization other

premises while rented to you for a period of

than another contractor or

seven or fewer consecutive days, including the subcontractor working on the same

contents of such premises; or project. b. With respect to the exception to Exclusions c. Work that may need service, maintenance,

throughn. in the last paragraph of Paragraph2. correction, repair or replacement, but which

of Section I – Coverage A – Bodily Injury And is otherwise complete, will be treated as

Property Damage Liability, "property damage" to completed. any premises while rented to you for a period of

m b. Does not include "bodily injury" or "property ore than seven consecutive days, or while

damage" arising out of:

temporarily occupied by you with permission of

the owner, caused by: (1) The transportation of property, unless the

injury or damagearises out of a condition in (1) Fire;

or on a vehicle not owned or operated by (2) Explosion; you, and that condition was created by the

(3) Lightning; "loading or unloading" of that vehicle byany

insured; (4) Smoke resulting from fire, explosion or

lightning; or (2) The existence of tools, uninstalled

equipment or abandoned or unused (5)

materials; or

But "premises damage" under this Paragraph

(3) Products or operations for which the b. does not include "property damage" to any

classification, listed in the De rations or premises caused by:

in a policy Schedule, states that products- (1) Rupture, bursting, or operation of pressure completed operations are subject to the

relief devices; General AggregateLimit. (2) Rupture or bursting due to expansion or 23. "Property damage" means:

swelling of the contents of any building or

a. Physical injury to tangible property, in ding all structurecaused byor resulting from water;

resulting loss of use of that property. All such or

loss of use will be deemed to at the time of

(3) Explosion of steam boilers, steam pipes, the physical injury that caused it; or

steam engines or steam turbines. b. Loss of use of tangible property that is not

22. "Products-completed operations hazard": physically injured. All such loss of use will be

deemed to occur at the time of the nce" a. Includes all "bodily injury" and "property that caused it. damage" occurring away from premises you

o n o For the purposes of this insurance, "ele nic data" w r rent and arising out of "your product" or

is not tangible property. "your work" except:

24. "Slogan": (1) Products that are still in your physical

possession; or a. Means a phrase that others use for the purpose

of attracting attention in their advertising. (2) Work that has not yet been completed or

abandoned. However, "your work" will be b. Does not include a phrase used as, or in, the

deemed completed at the earliest of the name of:

following times: (1) Any person or organization, other than you;

or (a) When all of the work called for in your

contract has been completed. (2) Any business, or any of the premises, goods, products, services or work, of any

(b) When all of the work to be done at the

person or organization, other than you.

job site has been completed if your

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Travelers Doc Mgmt 143 of 274
COMMERCIAL GENERAL LIABILITY

25. "Suit" means a civil proceeding in which damages (a) You;

because of "bodily injury", "property damage" or (b) Others trading under your name; or

"personal and advertising injury" to which this

(c) A person or organization whose insurance applies are alleged. "Suit" includes:

business or assets you have acquired;

a. An arbitration proceeding in which such and

damages are claimed and to which the insured

(2) Containers (other than vehicles), materials, must submit or does submit with our consent; parts or equipment furnished in connection

or with such goods or products. b. Any other alternative dispute resolution b. Includes:

proceeding in which such damages are claimed

(1) Warranties or representations made at any and to which the insured submits with our

time with respect to the fitness, quality, consent.

durability, performance or use of "your

26. "Temporary worker" means a person who is product"; and

furnished to you to substitute for a permanent (2) The providing of or failure to provide

"employee" on leave or to meet seasonal or short- warnings or instructions. term workload conditions. c. Does not include vending machines or other 27. "Title" means a name of a literaryor artistic work. property rented to or located for the use of

28. "Unsoli d communication" means any others but not sold. communication, in any form, that the re ient of 31. "Your work": such communication did not spe fically request to

receive. a. Means:

29. "Volunteer worker" means a person who is not your (1) Work or operations performed by you or on

"employee", and who donates his or her work and your behalf; and

acts at the direction of and within the scope of (2) Materials, parts or equipment furnished in

duties determined by you, and is not paid a fee, connection with such work or operations. salary or other compensation by you or anyone else b. Includes:

for their work performed for you. (1) Warranties or representations made at any 30. "Your product":

time with respect to the fitness, quality, a. Means: durability, performance or use of "your

(1) Any goods or products, other than real work"; and

property, manufactured, sold, handled, (2) The providing of or failure to provide

distributed or disposed of by: or instructions.

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COMMERCIAL GENERAL LIABILITY

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

EXCLUSION – REAL ESTATE DEVELOPMENT ACTIVITIES

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

PROVISIONS design, site preparation, 

or sales of residential, commercial or industrial A. This insurance does not apply to "bodily injury" or

buildings. "property damage” arising out of any “real estate

development by or on behalf of any in- C. The Provisions of this endorsement do not apply

sured. to the repair, maintenance, renovation, 

B. or addition to an owned by the The following definition is added to SECTION V – Named Insured. DEFINITIONS:

“Real estate development means the

CG D2 36 11 03 Copyright, The Travelers Indemnity Company, 2003 Page 1 of 1

construction, marketing

alteration

existing building 

activities” 

activities” 

Travelers Doc Mgmt 145 of 274
COMMERCIAL GENERAL LIABILITY

POLICY NUMBER: ISSUE DATE:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

LIMITATION OF COVERAGE FOR DESIGNATED NAMED

INSUREDS TO DESIGNATED PREMISES

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE OF DESIGNATED NAMED INSUREDS AND DESIGNATED PREMISES

Designated Named Insureds: Designated Premises:

PROVISIONS 2. The following is added to Paragraph 4.a., Primary Insurance, of SECTION IV – COMMER- 1. The following is added to SECTION II – WHO IS

AN INSURED CIAL GENERAL LIABILITY CONDITIONS ::

Any person or organization shown This insurance is primary to any other primary in- in the Schedule Of Designated Named Insureds And Desig- surance available to you or the person or organinated Premises will qualify as a Named Insured, zation shown in the Schedule Of Designated

but only with respect to liability arising out of: Named Insureds And Designated Premises covering liability for damages arising out of the des- a. The ownership, maintenance or use of the

ignated premises shown in such Schedule for that designated premises shown in the Schedule

designated Named Insured, and we will not share for that designated Named Insured; or

with such other insurance. b. Operations necessary or incidental to the

ownership, maintenance or use of that premises.

CG D6 71 01 13 © 2013 The Travelers Indemnity Company. All rights reserved. Page 1 of 1

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

Y-630-0K557677-COF-20 01-11-20

KENT W SHODEEN TRUST NO. 1 AND ALL 407 & 477 S. THIRD ST; 416 S.

BENEFICIARIES THEREUNDER, KENT W SECOND ST; 477 S. THIRD ST.

SHODEEN TRUSTEE GENEVA, IL 60134

7 W. STATE ST. GENEVA, IL 60134

100 GLENGARRY DR. GENEVA, IL 60134

401-417 WILLIAMSBURG DR.

GENEVA, IL 60134

2039-2067 LINCOLN HIGHWAY

GENEVA, IL 60134

2075 PRAIRIE ST ST CHARLES IL 60174

2073 PRAIRIE ST ST CHARLES IL 60174

180 W LINCOLN HWY DEKALB, IL 60115

162 MCGIRR ROAD DEKALB, IL 60115

15 S RIVER LANE, GENEVA, IL 60134

2 W STATE ST, GENEVA, IL 60134

Travelers Doc Mgmt 146 of 274
COMMERCIAL GENERAL LIABILITY

POLICY NUMBER: ISSUE DATE:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

LIMITATION OF COVERAGE FOR DESIGNATED NAMED

INSUREDS TO DESIGNATED PREMISES

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE OF DESIGNATED NAMED INSUREDS AND DESIGNATED PREMISES

Designated Named Insureds: Designated Premises:

PROVISIONS 2. The following is added to Paragraph 4.a., Primary Insurance, of SECTION IV – COMMER- 1. The following is added to SECTION II – WHO IS

AN INSURED CIAL GENERAL LIABILITY CONDITIONS ::

Any person or organization shown This insurance is primary to any other primary in- in the Schedule Of Designated Named Insureds And Desig- surance available to you or the person or organinated Premises will qualify as a Named Insured, zation shown in the Schedule Of Designated

but only with respect to liability arising out of: Named Insureds And Designated Premises covering liability for damages arising out of the des- a. The ownership, maintenance or use of the

ignated premises shown in such Schedule for that designated premises shown in the Schedule

designated Named Insured, and we will not share for that designated Named Insured; or

with such other insurance. b. Operations necessary or incidental to the

ownership, maintenance or use of that premises.

CG D6 71 01 13 © 2013 The Travelers Indemnity Company. All rights reserved. Page 1 of 1

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

Y-630-0K557677-COF-20 01-11-20

1925 LINCOLN HIGHWAY

ST CHARLES, IL 60174

3820 TAMARACK AVENUE, UNIT 200

WHITEFISH, MT 59937

3820 TAMAACK AVENUE, UNIT 320

WHITEFISH, MT 59937

3820 TAMARACK AVENUE, UNIT 330

WHITEFISH,MT 59937

Travelers Doc Mgmt 147 of 274
COMMERCIAL GENERAL LIABILITY

POLICY NUMBER: ISSUE DATE:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

LIMITATION OF COVERAGE FOR DESIGNATED NAMED

INSUREDS TO DESIGNATED PREMISES

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE OF DESIGNATED NAMED INSUREDS AND DESIGNATED PREMISES

Designated Named Insureds: Designated Premises:

PROVISIONS 2. The following is added to Paragraph 4.a., Primary Insurance, of SECTION IV – COMMER- 1. The following is added to SECTION II – WHO IS

AN INSURED CIAL GENERAL LIABILITY CONDITIONS ::

Any person or organization shown This insurance is primary to any other primary in- in the Schedule Of Designated Named Insureds And Desig- surance available to you or the person or organinated Premises will qualify as a Named Insured, zation shown in the Schedule Of Designated

but only with respect to liability arising out of: Named Insureds And Designated Premises covering liability for damages arising out of the des- a. The ownership, maintenance or use of the

ignated premises shown in such Schedule for that designated premises shown in the Schedule

designated Named Insured, and we will not share for that designated Named Insured; or

with such other insurance. b. Operations necessary or incidental to the

ownership, maintenance or use of that premises.

CG D6 71 01 13 © 2013 The Travelers Indemnity Company. All rights reserved. Page 1 of 1

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

Y-630-0K557677-COF-20 01-11-20

MILL CREEK LAND COMPANY, L.L.C. 255 38TH AVENUE

ST CHARLES, IL 60174

Travelers Doc Mgmt 148 of 274
COMMERCIAL GENERAL LIABILITY

POLICY NUMBER: ISSUE DATE:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

LIMITATION OF COVERAGE FOR DESIGNATED NAMED

INSUREDS TO DESIGNATED PREMISES

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE OF DESIGNATED NAMED INSUREDS AND DESIGNATED PREMISES

Designated Named Insureds: Designated Premises:

PROVISIONS 2. The following is added to Paragraph 4.a., Primary Insurance, of SECTION IV – COMMER- 1. The following is added to SECTION II – WHO IS

AN INSURED CIAL GENERAL LIABILITY CONDITIONS ::

Any person or organization shown This insurance is primary to any other primary in- in the Schedule Of Designated Named Insureds And Desig- surance available to you or the person or organinated Premises will qualify as a Named Insured, zation shown in the Schedule Of Designated

but only with respect to liability arising out of: Named Insureds And Designated Premises covering liability for damages arising out of the des- a. The ownership, maintenance or use of the

ignated premises shown in such Schedule for that designated premises shown in the Schedule

designated Named Insured, and we will not share for that designated Named Insured; or

with such other insurance. b. Operations necessary or incidental to the

ownership, maintenance or use of that premises.

CG D6 71 01 13 © 2013 The Travelers Indemnity Company. All rights reserved. Page 1 of 1

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

Y-630-0K557677-COF-20 01-11-20

TRI-CITY LAND MANAGEMENT 255 38TH AVE ST CHARLES, IL 60174

COMPANY, LLC 77 N. FIRST ST, GENEVA, IL 77 N. FI

902 S. RANDALL ROAD

ST CHARLES, IL 60174

870 S RANDALL ROAD

ST CHARLES, IL 60174

1797 W STATE ST, GENEVA, IL 60134

1803 W STATE ST, GENEVA, IL 60134

1795 W STATE ST, GENEVA, IL 60134

1 W STATE ST; 25 N RIVER LANE;

65 N RIVER LANE ST CHARLES IL 60174

507 S THIRD ST & CONNECTED PARKING

LOT GENEVA, IL 60134

1850 LINCOLN HIGHWAY,

ST CHARLES, IL 60174

Travelers Doc Mgmt 149 of 274
COMMERCIAL GENERAL LIABILITY

POLICY NUMBER: ISSUE DATE:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

LIMITATION OF COVERAGE FOR DESIGNATED NAMED

INSUREDS TO DESIGNATED PREMISES

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE OF DESIGNATED NAMED INSUREDS AND DESIGNATED PREMISES

Designated Named Insureds: Designated Premises:

PROVISIONS 2. The following is added to Paragraph 4.a., Primary Insurance, of SECTION IV – COMMER- 1. The following is added to SECTION II – WHO IS

AN INSURED CIAL GENERAL LIABILITY CONDITIONS ::

Any person or organization shown This insurance is primary to any other primary in- in the Schedule Of Designated Named Insureds And Desig- surance available to you or the person or organinated Premises will qualify as a Named Insured, zation shown in the Schedule Of Designated

but only with respect to liability arising out of: Named Insureds And Designated Premises covering liability for damages arising out of the des- a. The ownership, maintenance or use of the

ignated premises shown in such Schedule for that designated premises shown in the Schedule

designated Named Insured, and we will not share for that designated Named Insured; or

with such other insurance. b. Operations necessary or incidental to the

ownership, maintenance or use of that premises.

CG D6 71 01 13 © 2013 The Travelers Indemnity Company. All rights reserved. Page 1 of 1

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

Y-630-0K557677-COF-20 01-11-20

35 N RIVER LN., GENEVA, IL 60134

15 S RIVER LN., GENEVA, IL 60134

2 W STATE ST, GENEVA, IL 60134

39W525 HERRINGTON DRIVE,

GENEVA, IL 60134

2025 LINOLN HIGHWAY,

ST CHARLES, IL 60174

Travelers Doc Mgmt 150 of 274
COMMERCIAL GENERAL LIABILITY

POLICY NUMBER: ISSUE DATE:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

LIMITATION OF COVERAGE FOR DESIGNATED NAMED

INSUREDS TO DESIGNATED PREMISES

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE OF DESIGNATED NAMED INSUREDS AND DESIGNATED PREMISES

Designated Named Insureds: Designated Premises:

PROVISIONS 2. The following is added to Paragraph 4.a., Primary Insurance, of SECTION IV – COMMER- 1. The following is added to SECTION II – WHO IS

AN INSURED CIAL GENERAL LIABILITY CONDITIONS ::

Any person or organization shown This insurance is primary to any other primary in- in the Schedule Of Designated Named Insureds And Desig- surance available to you or the person or organinated Premises will qualify as a Named Insured, zation shown in the Schedule Of Designated

but only with respect to liability arising out of: Named Insureds And Designated Premises covering liability for damages arising out of the des- a. The ownership, maintenance or use of the

ignated premises shown in such Schedule for that designated premises shown in the Schedule

designated Named Insured, and we will not share for that designated Named Insured; or

with such other insurance. b. Operations necessary or incidental to the

ownership, maintenance or use of that premises.

CG D6 71 01 13 © 2013 The Travelers Indemnity Company. All rights reserved. Page 1 of 1

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

Y-630-0K557677-COF-20 01-11-20

GENERATION TWO, L.L.C. CRAIG A 2071-2081 LINCOLN HIGHWAY

SHODEEN TRUST #1 AND ALL ST CHARLES, IL 60174

BENEFICIARIES THEREUNDER, ANNA B 10 W STATE ST, GENEVA, IL 60134

HARMON TRUST #1 AND ALL 1797 W STATE ST, GENEVA, IL 60134

BENEFICIARIES, ERIC M SHODEEN TRUST 1803 W STATE ST, GENEVA, IL 60134

#1 AND ALL BENEFICIARIES THEREUNDER 1795 W STATE ST, GENEVA, IL 60134

WYATT A SHODEEN TRUST #1 AND ALL 1 W. ILLINOIS STREET

BENEFICIARIES THEREUNDER, AND ST CHARLES, IL 60174

HOLLAND M SHODEEN TRUST #1 AND ALL 1 W. STATE STREET, 25 N. RIVER

BENEFICIARIES THEREUNDER, BETH C LANE; 65 N. RIVER LANE

SHODEEN TRUST #1 AND ALL 201 S. THRD STREET; 207 S. THIRD ST

BENEFICIARIES THEREUNDER, ANNA B. ALSO KNOWN AS 220-222 CAMPBELL ST

HARMON, LLC, BETH C. SHODEEN, LLC 17 W. STATE ST. GENEVA, IL 60134

ERIC M. SHODEEN, LLC; CRAIG A. 1144-1188 E. STATE STREET

SHODEEN, LLC GENEVA, IL 60134

Travelers Doc Mgmt 151 of 274
COMMERCIAL GENERAL LIABILITY

POLICY NUMBER: ISSUE DATE:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

LIMITATION OF COVERAGE FOR DESIGNATED NAMED

INSUREDS TO DESIGNATED PREMISES

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE OF DESIGNATED NAMED INSUREDS AND DESIGNATED PREMISES

Designated Named Insureds: Designated Premises:

PROVISIONS 2. The following is added to Paragraph 4.a., Primary Insurance, of SECTION IV – COMMER- 1. The following is added to SECTION II – WHO IS

AN INSURED CIAL GENERAL LIABILITY CONDITIONS ::

Any person or organization shown This insurance is primary to any other primary in- in the Schedule Of Designated Named Insureds And Desig- surance available to you or the person or organinated Premises will qualify as a Named Insured, zation shown in the Schedule Of Designated

but only with respect to liability arising out of: Named Insureds And Designated Premises covering liability for damages arising out of the des- a. The ownership, maintenance or use of the

ignated premises shown in such Schedule for that designated premises shown in the Schedule

designated Named Insured, and we will not share for that designated Named Insured; or

with such other insurance. b. Operations necessary or incidental to the

ownership, maintenance or use of that premises.

CG D6 71 01 13 © 2013 The Travelers Indemnity Company. All rights reserved. Page 1 of 1

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

Y-630-0K557677-COF-20 01-11-20

507 S. THIRD STREET &

CONNECTED PARKING LOT

577 S. THIRD ST, GENEVA, IL 60134

1850 LINCOLN HIGHWAY

ST CHARLES, IL 60174

35 N. RIVER LANE, GENEVA, IL 60134

39W525 HERRINGTON DRIVE

GENEVA, IL 60134

2025 LINCOLN HIGHWAY

ST CHARLES, IL 60174

Travelers Doc Mgmt 152 of 274
COMMERCIAL GENERAL LIABILITY

POLICY NUMBER: ISSUE DATE:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

LIMITATION OF COVERAGE FOR DESIGNATED NAMED

INSUREDS TO DESIGNATED PREMISES

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE OF DESIGNATED NAMED INSUREDS AND DESIGNATED PREMISES

Designated Named Insureds: Designated Premises:

PROVISIONS 2. The following is added to Paragraph 4.a., Primary Insurance, of SECTION IV – COMMER- 1. The following is added to SECTION II – WHO IS

AN INSURED CIAL GENERAL LIABILITY CONDITIONS ::

Any person or organization shown This insurance is primary to any other primary in- in the Schedule Of Designated Named Insureds And Desig- surance available to you or the person or organinated Premises will qualify as a Named Insured, zation shown in the Schedule Of Designated

but only with respect to liability arising out of: Named Insureds And Designated Premises covering liability for damages arising out of the des- a. The ownership, maintenance or use of the

ignated premises shown in such Schedule for that designated premises shown in the Schedule

designated Named Insured, and we will not share for that designated Named Insured; or

with such other insurance. b. Operations necessary or incidental to the

ownership, maintenance or use of that premises.

CG D6 71 01 13 © 2013 The Travelers Indemnity Company. All rights reserved. Page 1 of 1

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

Y-630-0K557677-COF-20 01-11-20

COVINGTON COURT APARTMENTS 10 W STATE ST. GENEVA, IL 60134

1144-1188 E. STATE STREET

GENEVA, IL 60134

577 S. THIRD STREET

GENEVA, IL 60134

Travelers Doc Mgmt 153 of 274
COMMERCIAL GENERAL LIABILITY

POLICY NUMBER: ISSUE DATE:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

LIMITATION OF COVERAGE FOR DESIGNATED NAMED

INSUREDS TO DESIGNATED PREMISES

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE OF DESIGNATED NAMED INSUREDS AND DESIGNATED PREMISES

Designated Named Insureds: Designated Premises:

PROVISIONS 2. The following is added to Paragraph 4.a., Primary Insurance, of SECTION IV – COMMER- 1. The following is added to SECTION II – WHO IS

AN INSURED CIAL GENERAL LIABILITY CONDITIONS ::

Any person or organization shown This insurance is primary to any other primary in- in the Schedule Of Designated Named Insureds And Desig- surance available to you or the person or organinated Premises will qualify as a Named Insured, zation shown in the Schedule Of Designated

but only with respect to liability arising out of: Named Insureds And Designated Premises covering liability for damages arising out of the des- a. The ownership, maintenance or use of the

ignated premises shown in such Schedule for that designated premises shown in the Schedule

designated Named Insured, and we will not share for that designated Named Insured; or

with such other insurance. b. Operations necessary or incidental to the

ownership, maintenance or use of that premises.

CG D6 71 01 13 © 2013 The Travelers Indemnity Company. All rights reserved. Page 1 of 1

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

Y-630-0K557677-COF-20 01-11-20

WENNLUND FARM, LLC 10 W. STATE ST. GENEVA, IL 60134

1144-1188 E. STATE STREET

GENEVA, IL 60134

577 S. THIRD ST, GENEVA, IL 60134

Travelers Doc Mgmt 154 of 274
COMMERCIAL GENERAL LIABILITY

POLICY NUMBER: ISSUE DATE:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

LIMITATION OF COVERAGE FOR DESIGNATED NAMED

INSUREDS TO DESIGNATED PREMISES

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE OF DESIGNATED NAMED INSUREDS AND DESIGNATED PREMISES

Designated Named Insureds: Designated Premises:

PROVISIONS 2. The following is added to Paragraph 4.a., Primary Insurance, of SECTION IV – COMMER- 1. The following is added to SECTION II – WHO IS

AN INSURED CIAL GENERAL LIABILITY CONDITIONS ::

Any person or organization shown This insurance is primary to any other primary in- in the Schedule Of Designated Named Insureds And Desig- surance available to you or the person or organinated Premises will qualify as a Named Insured, zation shown in the Schedule Of Designated

but only with respect to liability arising out of: Named Insureds And Designated Premises covering liability for damages arising out of the des- a. The ownership, maintenance or use of the

ignated premises shown in such Schedule for that designated premises shown in the Schedule

designated Named Insured, and we will not share for that designated Named Insured; or

with such other insurance. b. Operations necessary or incidental to the

ownership, maintenance or use of that premises.

CG D6 71 01 13 © 2013 The Travelers Indemnity Company. All rights reserved. Page 1 of 1

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

Y-630-0K557677-COF-20 01-11-20

GENERATION THREE, LLC. DANIEL 10 W. STATE ST, GENEVA, IL 60134

MEISINGER TRUST #1 AND ALL 300-328 CRESCENT PLACE

BENEFICIARIES THEREUNDER, COLTON GENEVA, IL 6013

MEISINGER TRUST #1 AND ALL 1144-1188 E STATE STREET

BENEFICIARIES THEREUNDER, SAMANTHA GENEVA, IL 60134

N SHODEEN TRUST #1 AND ALL 577 S THIRD ST. GENEVA, IL 60134

BENEFICIARIES THEREUNDER, MAEGAN B

SHODEEN TRUST #1 AND ALL

BENEFICIARIES THEREUNDER, HUNTER W

SHODEEN TRUST #1 AND ALL

BENEFICIARIES THEREUNDER, JAMES

WILLIAM HARMON TRUST #1 AND ALL

BENECIARIES THEREUNDER, MARGARET

TAYLOR HARMON TRUST #1 AND ALL

BENEFICIARIES THEREUNDER, WYATT A

Travelers Doc Mgmt 155 of 274
COMMERCIAL GENERAL LIABILITY

POLICY NUMBER: ISSUE DATE:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

LIMITATION OF COVERAGE FOR DESIGNATED NAMED

INSUREDS TO DESIGNATED PREMISES

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE OF DESIGNATED NAMED INSUREDS AND DESIGNATED PREMISES

Designated Named Insureds: Designated Premises:

PROVISIONS 2. The following is added to Paragraph 4.a., Primary Insurance, of SECTION IV – COMMER- 1. The following is added to SECTION II – WHO IS

AN INSURED CIAL GENERAL LIABILITY CONDITIONS ::

Any person or organization shown This insurance is primary to any other primary in- in the Schedule Of Designated Named Insureds And Desig- surance available to you or the person or organinated Premises will qualify as a Named Insured, zation shown in the Schedule Of Designated

but only with respect to liability arising out of: Named Insureds And Designated Premises covering liability for damages arising out of the des- a. The ownership, maintenance or use of the

ignated premises shown in such Schedule for that designated premises shown in the Schedule

designated Named Insured, and we will not share for that designated Named Insured; or

with such other insurance. b. Operations necessary or incidental to the

ownership, maintenance or use of that premises.

CG D6 71 01 13 © 2013 The Travelers Indemnity Company. All rights reserved. Page 1 of 1

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

Y-630-0K557677-COF-20 01-11-20

SHODEEN TRUST #1 AND ALL

BENEFICIARIES THEREUNDER, KENT J

HARMON TRUST #1 AND ALL

BENEFICIARIES THEREUNDER, HOLLAND

M SHODEEN TRUST #1 AND ALL

BENEFICIARIES THEREUNDER

Travelers Doc Mgmt 156 of 274
COMMERCIAL GENERAL LIABILITY

POLICY NUMBER: ISSUE DATE:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

LIMITATION OF COVERAGE FOR DESIGNATED NAMED

INSUREDS TO DESIGNATED PREMISES

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE OF DESIGNATED NAMED INSUREDS AND DESIGNATED PREMISES

Designated Named Insureds: Designated Premises:

PROVISIONS 2. The following is added to Paragraph 4.a., Primary Insurance, of SECTION IV – COMMER- 1. The following is added to SECTION II – WHO IS

AN INSURED CIAL GENERAL LIABILITY CONDITIONS ::

Any person or organization shown This insurance is primary to any other primary in- in the Schedule Of Designated Named Insureds And Desig- surance available to you or the person or organinated Premises will qualify as a Named Insured, zation shown in the Schedule Of Designated

but only with respect to liability arising out of: Named Insureds And Designated Premises covering liability for damages arising out of the des- a. The ownership, maintenance or use of the

ignated premises shown in such Schedule for that designated premises shown in the Schedule

designated Named Insured, and we will not share for that designated Named Insured; or

with such other insurance. b. Operations necessary or incidental to the

ownership, maintenance or use of that premises.

CG D6 71 01 13 © 2013 The Travelers Indemnity Company. All rights reserved. Page 1 of 1

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

Y-630-0K557677-COF-20 01-11-20

SHODEEN EQUITY INVESTMENTS 2039-2067 LINCOLN HIGHWAY

II, INC. (D) GENEVA, IL 60134

Travelers Doc Mgmt 157 of 274
COMMERCIAL GENERAL LIABILITY

POLICY NUMBER: ISSUE DATE:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

LIMITATION OF COVERAGE FOR DESIGNATED NAMED

INSUREDS TO DESIGNATED PREMISES

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE OF DESIGNATED NAMED INSUREDS AND DESIGNATED PREMISES

Designated Named Insureds: Designated Premises:

PROVISIONS 2. The following is added to Paragraph 4.a., Primary Insurance, of SECTION IV – COMMER- 1. The following is added to SECTION II – WHO IS

AN INSURED CIAL GENERAL LIABILITY CONDITIONS ::

Any person or organization shown This insurance is primary to any other primary in- in the Schedule Of Designated Named Insureds And Desig- surance available to you or the person or organinated Premises will qualify as a Named Insured, zation shown in the Schedule Of Designated

but only with respect to liability arising out of: Named Insureds And Designated Premises covering liability for damages arising out of the des- a. The ownership, maintenance or use of the

ignated premises shown in such Schedule for that designated premises shown in the Schedule

designated Named Insured, and we will not share for that designated Named Insured; or

with such other insurance. b. Operations necessary or incidental to the

ownership, maintenance or use of that premises.

CG D6 71 01 13 © 2013 The Travelers Indemnity Company. All rights reserved. Page 1 of 1

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

Y-630-0K557677-COF-20 01-11-20

WESSEL COURT EAST, L.L.C. 1400-1700 LINCOLN HIGHWAY

ST CHARLES, IL 60174

Travelers Doc Mgmt 158 of 274
COMMERCIAL GENERAL LIABILITY

POLICY NUMBER: ISSUE DATE:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

LIMITATION OF COVERAGE FOR DESIGNATED NAMED

INSUREDS TO DESIGNATED PREMISES

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE OF DESIGNATED NAMED INSUREDS AND DESIGNATED PREMISES

Designated Named Insureds: Designated Premises:

PROVISIONS 2. The following is added to Paragraph 4.a., Primary Insurance, of SECTION IV – COMMER- 1. The following is added to SECTION II – WHO IS

AN INSURED CIAL GENERAL LIABILITY CONDITIONS ::

Any person or organization shown This insurance is primary to any other primary in- in the Schedule Of Designated Named Insureds And Desig- surance available to you or the person or organinated Premises will qualify as a Named Insured, zation shown in the Schedule Of Designated

but only with respect to liability arising out of: Named Insureds And Designated Premises covering liability for damages arising out of the des- a. The ownership, maintenance or use of the

ignated premises shown in such Schedule for that designated premises shown in the Schedule

designated Named Insured, and we will not share for that designated Named Insured; or

with such other insurance. b. Operations necessary or incidental to the

ownership, maintenance or use of that premises.

CG D6 71 01 13 © 2013 The Travelers Indemnity Company. All rights reserved. Page 1 of 1

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

Y-630-0K557677-COF-20 01-11-20

FOX ISLAND BUILDING CORPORATION 1 W. ILLINOIS STREET

ST CHARLES, IL 60174

Travelers Doc Mgmt 159 of 274
COMMERCIAL GENERAL LIABILITY

POLICY NUMBER: ISSUE DATE:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

LIMITATION OF COVERAGE FOR DESIGNATED NAMED

INSUREDS TO DESIGNATED PREMISES

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE OF DESIGNATED NAMED INSUREDS AND DESIGNATED PREMISES

Designated Named Insureds: Designated Premises:

PROVISIONS 2. The following is added to Paragraph 4.a., Primary Insurance, of SECTION IV – COMMER- 1. The following is added to SECTION II – WHO IS

AN INSURED CIAL GENERAL LIABILITY CONDITIONS ::

Any person or organization shown This insurance is primary to any other primary in- in the Schedule Of Designated Named Insureds And Desig- surance available to you or the person or organinated Premises will qualify as a Named Insured, zation shown in the Schedule Of Designated

but only with respect to liability arising out of: Named Insureds And Designated Premises covering liability for damages arising out of the des- a. The ownership, maintenance or use of the

ignated premises shown in such Schedule for that designated premises shown in the Schedule

designated Named Insured, and we will not share for that designated Named Insured; or

with such other insurance. b. Operations necessary or incidental to the

ownership, maintenance or use of that premises.

CG D6 71 01 13 © 2013 The Travelers Indemnity Company. All rights reserved. Page 1 of 1

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

Y-630-0K557677-COF-20 01-11-20

THE SHODEEN FAMILY PROPERTY AURORA, IL 60506

COMPANY, LLC (EASTBANK PARKING LOT Q)

Travelers Doc Mgmt 160 of 274
COMMERCIAL GENERAL LIABILITY

POLICY NUMBER: ISSUE DATE:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

LIMITATION OF COVERAGE FOR DESIGNATED NAMED

INSUREDS TO DESIGNATED PREMISES

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE OF DESIGNATED NAMED INSUREDS AND DESIGNATED PREMISES

Designated Named Insureds: Designated Premises:

PROVISIONS 2. The following is added to Paragraph 4.a., Primary Insurance, of SECTION IV – COMMER- 1. The following is added to SECTION II – WHO IS

AN INSURED CIAL GENERAL LIABILITY CONDITIONS ::

Any person or organization shown This insurance is primary to any other primary in- in the Schedule Of Designated Named Insureds And Desig- surance available to you or the person or organinated Premises will qualify as a Named Insured, zation shown in the Schedule Of Designated

but only with respect to liability arising out of: Named Insureds And Designated Premises covering liability for damages arising out of the des- a. The ownership, maintenance or use of the

ignated premises shown in such Schedule for that designated premises shown in the Schedule

designated Named Insured, and we will not share for that designated Named Insured; or

with such other insurance. b. Operations necessary or incidental to the

ownership, maintenance or use of that premises.

CG D6 71 01 13 © 2013 The Travelers Indemnity Company. All rights reserved. Page 1 of 1

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

Y-630-0K557677-COF-20 01-11-20

JOAN G SHODEEN TRUST #1 AND ALL 3820 TAMARACK AVENUE, UNIT 200

BENEFICIARIES THEREUNDER, JOAN WHITEFISH, MT 59937

G SHODEEN TRUSTEE 3820 TAMARACK AVENUE, UNIT 320

WHITEFISH, MT 59937

3820 TAMARACK AVENUE, UNIT 330

WHITEFISH, MT 59937

Travelers Doc Mgmt 161 of 274
COMMERCIAL GENERAL LIABILITY

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

ADDITIONAL INSURED – USERS OF GOLFMOBILES

CG 20 08 04 13 © Insurance Services Office, Inc., 2012 Page 1 of 1

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 any person(s) 

using or legally responsible for the use of 

golfmobiles loaned or rented to others by you or 

any of your concessionaires but only for their 

liability arising out of the use of the golfmobiles. 

B. For the purposes of this endorsement, golfmobile 

means a motorized conveyance that is: 

1. Designed to carry up to four persons on a golf 

course for the purpose of playing golf; and 

2. Not built or modified after manufacture to 

exceed a speed of 25 miles per hour on level 

ground. 

Travelers Doc Mgmt 162 of 274
COMMERCIAL GENERAL LIABILITY

POLICY NUMBER: ISSUE DATE:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

PRODUCTS/COMPLETED OPERATIONS HAZARD

REDEFINED

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART

SCHEDULE

Description of Premises and Operations:

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

as applicable to this endorsement.)

With respect to "bodily injury" or "property damage" Paragraph a. of the definition of "Products-completed

arising out of "your products" manufactured, sold, operations hazard" in the DEFINITIONS Section is

handled or distributed: replaced by the following:

1. On, "Products-completed operations hazard": from or in connection with the use of any

premises described in the Schedule, or a. Includes all "bodily injury" and "property dam2. age" that arises out of "your products" if the In connection with the conduct of any operation

"bodily injury" or "property damage" occurs af- described in the Schedule, when conducted by

ter you have relinquished possession of those you or on your behalf. products.

CG 24 07 01 96 Copyright, Insurance Services Office, Inc., 1994 Page 1 of 1

Y-630-0K557677-COF-20 01-11-20

ALL RSTRNT OPERATIONS IN CONJUNCTION

WITH GENEVA ON THE DAM BANQUET HALL.

ALL RSTRNT PREMISES AND OPERATIONS.

Travelers Doc Mgmt 163 of 274
COMMERCIAL GENERAL LIABILITY

POLICY NUMBER: ISSUE DATE:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

PRODUCTS/COMPLETED OPERATIONS HAZARD

REDEFINED

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART

SCHEDULE

Description of Premises and Operations:

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

as applicable to this endorsement.)

With respect to "bodily injury" or "property damage" Paragraph a. of the definition of "Products-completed

arising out of "your products" manufactured, sold, operations hazard" in the DEFINITIONS Section is

handled or distributed: replaced by the following:

1. On, "Products-completed operations hazard": from or in connection with the use of any

premises described in the Schedule, or a. Includes all "bodily injury" and "property dam2. age" that arises out of "your products" if the In connection with the conduct of any operation

"bodily injury" or "property damage" occurs af- described in the Schedule, when conducted by

ter you have relinquished possession of those you or on your behalf. products.

CG 24 07 01 96 Copyright, Insurance Services Office, Inc., 1994 Page 1 of 1

Y-630-0K557677-COF-20 01-11-20

ALL RESTAURANT OPERATIONS IN

CONJUNCTION WITH ATWATERS

ALL RESTAURANT PREMISES AND OPERATIONS.

Travelers Doc Mgmt 164 of 274
COMMERCIAL GENERAL LIABILITY

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

BLANKET ADDITIONAL INSURED

(Includes Products-Completed Operations If Required By Contract)

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

PROVISIONS (1) Any "bodily injury", "property damage" or

The "personal injury" arising out of the providing, following is added toSECTION II – WHO IS AN

or failure to provide, any professional INSURED:

architectural, engineering or surveying Any person or organization that you agree in a

services, including: written contract or agreement to include as an

additional insured on this Coverage Part is an (a) The preparing, approving, or failing to

insured, but only: prepare or approve, maps, shop

a. Wi h re pe drawings, opinions, reports, surveys, t s ct to liability for "bodily injury" or

"property damage" that occurs, or for "personal field orders or change orders, or the

injury" caused by an offense that is committed, preparing, approving, or failing to

subsequent to the signing of that contract or prepare or approve, drawings and

agreement and while that part of the contract or specifications; and

agreement is in effect; and (b) Supervisory, inspection, architectural or

b. If, and only to the extent that, such injury or engineering activities. damage is caused by acts or omissions of you or

your subcontractor in the performance of "your (2) Any "bodily injury" or "property damage" work" to which the written contract or agreement caused by "your work" and included in the

applies. Such person or organization does not "products-completed operations hazard" qualify as an additional insured with respect to unless the written contract or agreement

the independent acts or omissions of such specifically requires you to provide such

person or organization. coverage for that additional insured during

The the policy period. insurance provided to such additional insured is

subject to the following provisions: c. The additional insured must comply with the

a. If the Limits of Insurance of this Coverage Part following duties:

shown in the Declarations exceed the minimum

(1) Give us written notice as soon as practicable limits required by the written contract or

of an "occurrence" or an offense which may agreement, the insurance provided to the

result in a claim. To the extent possible, such additional insured will be to such

m notice should include: inimum required limits. For the purposes of

determining whether this applies, the (a) How, when and where the "occurrence" minimum limits required by the written contract or or offense took place;

agreement will be considered to include the

minimum limits of any Umbrella or Excess (b) The names and addresses of any injured

liability coverage required for the additional persons and witnesses; and

insured by that written contract or agreement. (c) The nature and location of any injury or This provision will not increase the limits of damage arising out of the "occurrence"

insurance described in Section III – Limits Of

or offense. Insurance.

b (2) If a claim is made or "suit" is brought against . The insurance provided to such additional

the additional insured: insured does not apply to:

CG D2 46 04 19 Page 1 of 2

limited 

limitation

© 2018 The Travelers Indemnity Company. All rights reserved.

Travelers Doc Mgmt 165 of 274
COMMERCIAL GENERAL LIABILITY

(a) Immediately record the specifics of the (4) Tender the defense and indemnity of any

claim or "suit" and the date received; and claim or "suit" to any provider of other

insurance which would cover such additional (b) Notify us as soon as practicable and see

insured for a loss we cover. However, this to it that we receive written notice of the

condition does not affect whether the claim or "suit" as soon as practicable.

insurance provided to such additional

(3) Immediately send us copies of all legal insured is primary to other insurance

papers received in connection with the claim available to such additional insured which

or "suit", cooperate with us in the covers that person or as a

investigation or settlement of the claim or named insured as described in Paragraph 4., defense against the "suit", and otherwise Other Insurance, of Section IV – Commercial

comply with all policy conditions. General Conditions.

Page 2 of 2 CG D2 46 04 19

organization

Liability 

© 2018 The Travelers Indemnity Company. All rights reserved.

Travelers Doc Mgmt 166 of 274
COMMERCIALGENERAL LIABILITY

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

XTEND ENDORSEMENT FOR SERVICE INDUSTRIES

This endorsement modifies insurance provided under the following:

GENERAL DESCRIPTION OF COVERAGE – This endorsement broadens coverage. However, coverage for

any injury, damage or medical expenses described in any of the provisions of this endorsement may be

excluded or limited by another endorsement to this Coverage Part, and these coverage broadening provisions

do not apply to the extent that coverage is excluded or limited by such an endorsement. The following listingis a

general coverage description only. Read all the provisions of this endorsement and the rest of your policy

carefullyto determine rights, duties,and what is and is not covered.

A. Who IsAn Insured – Unnamed Subs G. Blanket Additional Insured – Governmental idiaries

Entities – Permits Or Authorizations Relating To B. Who Is An Insured – Employees And Volunteer Premises

Workers – Bodily Injury To Co-Employees And

H. Blanket Additional Insured – Governmental Co-Volunteer Workers Entities – Permits Or Authorizations Relating To

C. Who Is An Insured – Newly Acquired Or Formed Operations

Limited Liability Companies

I. Blanket Additional Insured – Grantors Of

D. Blanket Additional Insured – Broad Form Franchises

Vendors J. Incidental Medical Malpractice

E. Blanket Additional Insured – Controlling Interest K. Blanket Waiver Of Subrogation

F. Blanket Additional Insured – Mortgagees,

b. After the date, if any, during the policy period PROVISIONS that you no longer maintain an ownership

A. WHO IS AN INSURED – UNNAMED interest of more than 50% in such subsidiary. SUBSIDIARIES For purposes of Paragraph 1. of SectionII – Who

The following is added toSECTION II – WHO IS Is An Insured, each such subsidiary will be

AN deemed to be designated in the Declarations as: INSURED:

a. A limited liability company; Any of your subsidiaries, other than a partnership

or joint venture, that is not shown as a Named b. An organization other than a partnership,

joint venture or limited liabilitycompany; or Insured in the Declarations is a Named Insured

if: c. A trust;

a. You are the sole owner of, or maintain an as indicated in its name or the documents that

ownership interest of more than 50% in, such govern its structure.

subsidiary on the first day of the policy B. WHO IS AN INSURED – EMPLOYEES AND

period; and VOLUNTEER WORKERS – BODILY INJURY

TO CO-EMPLOYEES AND CO-VOLUNTEER b. Such subsidiary is not an insured under WORKERS similar other insurance. The following is added to Paragraph 2.a.(1) of No such subsidiary is an insured for "bodily SECTION II – WHO IS AN INSURED:

injury" or "property damage" that occurred, or

Paragraphs (1)(a), (b) and (c) above do not "personal and advertising injury" caused by an

apply to "bodily injury" to a co-"employee" while offense committed:

in the course of the co-"employee's" employment

a. Before you maintained an ownership interest by you or performing duties related to the

of more than 50% in such subsidiary; or conduct of your business, or to "bodily injury" to

CG D4 67 02 19 © 2017 The Travelers Indemnity Company. All rights reserved. Page 1 of 5

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

COMMERCIAL GENERAL LIABILITY COVERAGE PART

Assignees, Successors Or Receivers

Travelers Doc Mgmt 167 of 274
COMMERCIAL GENERAL LIABILITY

your other "volunteer workers" while performing D. BLANKET ADDITIONAL INSURED – BROAD

duties related to the conduct of your business. FORM VENDORS

C. WHO IS AN INSURED – NEWLY ACQUIRED The following is added to SECTION II – WHO IS

OR FORMED LIMITED LIABILITY COMPANIES AN INSURED:

The following replaces Paragraph 3. of Any person or organization that is a vendor and

SECTION that you have agreed in a written contract or II – WHO IS AN INSURED:

agreement to include as an additional insured on 3. Any organization you newly acquire or form,

this Coverage Part is an insured, but only with

other than a partnership or joint venture, and

respect to liability for "bodily injury" or "property of which you are the sole owner or in which

damage" that:

you maintain an ownership interest of more

than 50%, will qualify as a Named Insured if a. Occurs subsequent to the signing of that

there is no other similar insurance available contract or agreement; and

to that organization. However: b. Arises out of "your products" that are

a. Coverage under this provision is distributed or sold in the regular course of

afforded only: such vendor's business.

(1) Until the 180th day after you acquire The insurance provided to such vendor is subject

or form the organization or the end to the following provisions:

of the policy period, whichever is

a. The limits of insurance provided to such

earlier, if you do not report such

vendor will be the minimum limits that you

organization in writing to us within

agreed to provide in the written contract or 180 days after you acquire or form it; agreement, or the limits shown in the

or Declarations, whicheverare less. (2) Until the end of the policy period, b. The insurance provided to such vendor does

when that date is later than 180 days

not apply to:

after you acquire or form such

organization, if you report such (1) Any express warranty not authorized by

organization in writing to us within you or any distribution or sale for a

180 after you acquire or formit; purpose not authorized by you;

b. Coverage A does not apply to "bodily (2) Any change in "your products" made by

injury" or "property damage" that such vendor;

occurred before you acquired or formed

(3) Repackaging, unless unpacked solely for

the organization; and

the purpose of inspection, c. Coverage B does not apply to "personal demonstration, testing, or the

and advertising injury" arising out of an substitution of parts under instructions

offense committed before you acquired from the manufacturer, and then

or formed the organization. repackaged inthe original container;

For the purposes of Paragraph 1. of Section (4) Any failure to make such inspections,

II – Who Is An Insured, each such adjustments, tests or servicing as

organization will be deemed to be vendors agree to perform or normally

designated in the Declarations as: undertake to perform in the regular

course of business, in connection with a. A limited liability company;

the distribution or sale of "your

b. An organization, other than a products";

partnership, joint venture or limited (5) Demonstration, installation, servicing or

liability company; or

repair operations, except such

c. A trust; operations performed at such vendor's

as indicated in its name or the documents premises in connection with the sale of

that govern its structure. "your products"; or

Page 2 of 5 © 2017 The Travelers Indemnity Company. All rights reserved. CG D4 67 02 19

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

days

Travelers Doc Mgmt 168 of 274
COMMERCIAL GENERAL LIABILITY

(6) "Your products" that, after distribution or a. Is "bodily injury" or "property damage" that

sale by you, have been labeled or occurs, or is "personal and advertising injury"

relabeled or used as a container, part or caused by an offense that is committed,

ingredient of any other thing or subsequent to the signing of that contract or

substance by or on behalf of such agreement; and

vendor. b. Arises out of the ownership, maintenance or

Coverage under this provision does not apply to: use of the premises for which that

mortgagee, assignee, successor or receiver a. Any person or organization from whom you

is required under that contract or agreement have acquired "your products", or any

to be included as an additional insured on ingredient, part or container entering into,

this Coverage Part. accompanying or containing such products;

or The insurance provided to such mortgagee,

assignee, successor or receiver is subject to the b. Any vendor for which coverage as an

following provisions: additional insured specifically is scheduled

by endorsement. a. The limits of insurance provided to such

mortgagee, assignee, successor or receiver E. BLANKET ADDITIONAL INSURED – will be the minimum limits that you agreed to CONTROLLING INTEREST

provide in the written contract or agreement, 1. The following is added to SECTION II – or the limits shown in the Declarations, WHO IS AN INSURED: whichever are less. Any person or organization that has financial b. The insurance provided to such person or

control of you is an insured with respect to organization does not apply to:

liability for "bodily injury", "property damage" (1) Any "bodily injury" or "property damage" or "personal and advertising injury" that

that occurs, or any "personal and arises out of:

advertising injury" caused by an offense

a. Such financialcontrol; or that is committed, after such contract or

b. Such person's or organization's agreement isno longer in effect; or

ownership, maintenance or use of (2) Any "bodily injury", "property damage" or

premises leased to or occupied by you. "personal and advertising injury" arising

The insurance provided to such person or out of any structural alterations, new

organization does not apply to structural construction or demolition operations

alterations, new construction or demolition performed by or on behalf of such

operations performed by or on behalf of such mortgagee, assignee, successor or

person or organization. receiver.

2. The following is added to Paragraph 4. of G. BLANKET ADDITIONAL INSURED – SECTION II – WHO IS AN INSURED: GOVERNMENTAL ENTITIES – PERMITS OR

This paragraph does not apply to any AUTHORIZATIONS RELATING TO PREMISES

premises owner, manager or lessor that has The following is added to SECTION II – WHO IS

financial control of you. AN INSURED:

F. BLANKET ADDITIONAL INSURED – Any governmental entity that has issued a permit

MORTGAGEES, ASSIGNEES, SUCCESSORS or authorization with respect to premises owned

OR RECEIVERS or occupied by, or rented or loaned to, you and

The following is added toSECTION II – WHO IS that you are required by any ordinance, law, AN INSURED: building code or written contract or agreement to

include as an additional insured on this Any person or organization that is a mortgagee, Coverage Part is an insured, but only with assignee, successor or receiver and that you

respect to liability for "bodily injury", "property have agreed in a written contract or agreement

damage" or "personal and advertising injury"

to include as an additional insured on this

Cove arising out of the existence, ownership, use, rage Part is an insured, but only with

respect to its liability as mortgagee, assignee, maintenance, repair, construction, erection or

successo removal of any of the following for which that r or receiver for "bodily injury","property

damage" or "personal and advertising injury" governmental entity has issued such permit or

that: authorization: advertising signs, awnings,

CG D4 67 02 19 © 2017 The Travelers Indemnity Company. All rights reserved. Page 3 of 5

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

Travelers Doc Mgmt 169 of 274
COMMERCIAL GENERAL LIABILITY

canopies, cellar entrances, coal holes, medical services", first aid or "Good

driveways, manholes, marquees, hoist away Samaritan services" to a person, unless

openings, sidewalk vaults, elevators, street you are in the business or occupation of

banners or decorations. providing professional health care

services. H. BLANKET ADDITIONAL INSURED – GOVERNMENTAL ENTITIES – PERMITS OR 2. The following replaces the last paragraph of

AUTHORIZATIONS RELATING TO Paragraph 2.a.(1) of SECTION II – WHO IS

OPERATIONS AN INSURED:

The following is added toSECTION II – WHO IS Unless you are in the business or occupation

AN INSURED: of providing professional health care

services, Paragraphs (1)(a), (b), (c) and (d) Any governmental entity that has issued a permit above do not apply to "bodily injury" arising

or authorization with respect to operations out of providing or failing to provide:

performed by you or on your behalf and that you

are requi (a) "Incidental medical services" by any of red by any ordinance, law, building code

or written contract or agreement to include as an your "employees" who is a nurse, nurse

addi assistant, emergency medical tional insured on this Coverage Part is an

technician, paramedic, athletic trainer, insured, but only with respect to liability for

audiologist, dietician, nutritionist, "bodily injury", "property damage" or "personal

and adve occupational therapist or occupational rtising injury" arising out of such

operations. therapy assistant, physical therapist or

speech-language pathologist; or The insurance provided to such governmental

(b) First aid or "Good Samaritan services" entitydoes not apply to:

by any of your "employees" or "volunteer

a. Any "bodily injury", "property damage" or workers", other than an employed or

"personal and advertising injury" arising out volunteer doctor. Any such "employees" of operations performed for the or "volunteer workers" providing or failing

governmental entity; or to provide first aid or "Good Samaritan

b. Any "bodily injury" or "property damage" services" during their work hours for you

will be deemed to be acting within the included in the "products-completed

scope of their employment by you or operations hazard". performing duties related to the conduct

I. BLANKET ADDITIONAL INSURED – of your business. GRANTORS OF FRANCHISES

3. The following replaces the last sentence of

The following is added toSECTION II – WHO IS Paragraph 5. of SECTION III – LIMITS OF

AN INSURED: INSURANCE:

Any person or organization that grants a For the purposes of determining the

franchise to you is an insured, but only with applicable Each Occurrence Limit, all related

respect to liability for "bodily injury", "property acts or omissions committed in providing or

damage" or "personal and advertising injury" failing to provide "incidental medical

arising out of your operations in the franchise services", first aid or "Good Samaritan

granted by that person or organization. services" to any one person will be deemed

to be one "occurrence".

If a written contract or agreement exists between

you and such additional insured, the limits of 4. The following exclusion is added to

Paragraph 2., Exclusions, of SECTION I – insurance provided to such insured will be the

m COVERAGES – COVERAGE A – BODILY inimum limits that you agreed to provide in the

INJURY AND PROPERTY DAMAGE written contract or agreement, or the limits LIABILITY: shown in the Declarations, whichever are less. Sale OfPharmaceuticals J. INCIDENTAL MEDICAL MALPRACTICE

"Bodily injury" or "property damage" arising 1. The following replaces Paragraph b. of the out of the violation of a penal statute or definition of "occurrence" in the

ordinance relating to the sale of DEFINITIONS Section: pharmaceuticals committed by, or with the

b. An act or omission committed in knowledge or consent of,the insured. providing or failing to provide "incidental

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Travelers Doc Mgmt 170 of 274
COMMERCIAL GENERAL LIABILITY

5. The following is added to the DEFINITIONS subject to Paragraph 2.a.(1) of Section II – Section: Who IsAn Insured.

"Incidental medical services"means: K. BLANKET WAIVER OF SUBROGATION

a. Medical, surgical, dental, laboratory, x- The following is added to Paragraph 8., Transfer

ray or nursing service or treatment, Of Rights Of Recovery Against Others To Us, advice or instruction, or the related of SECTION IV – COMMERCIAL GENERAL

furnishing of food or beverages; or LIABILITY CONDITIONS:

b. The furnishing or dispensing of drugs or

If the insured has agreed in a contract or

medical, dental, or surgical supplies or

agreement to waive that insured's right of appliances. recovery against any person or organization, we 6. The following is added to Paragraph 4.b., waive our right of recovery against such person Excess Insurance, of SECTION IV –

or organization, but only for payments we make COMMERCIAL GENERAL LIABILITY

because of: CONDITIONS:

a. "Bodily injury" or "property damage" that This insurance is excess over any valid and

col occurs; or lectible other insurance, whether primary,

excess, contingent or on any other basis, b. "Personal and advertising injury" caused by

that is available to any of your "employees" an offense that is committed;

for "bodily injury" that arises out of providing

or subsequent to the execution of the contract or failing to provide "incidental medical

services" to any person to the extent not agreement.

CG D4 67 02 19 © 2017 The Travelers Indemnity Company. All rights reserved. Page 5 of 5

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

Travelers Doc Mgmt 171 of 274
COMMERCIAL GENERAL LIABILITY

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 is added to Paragraph 2., B. The following exclusion is added to Paragraph 2., Exclusions of Section I – Coverage A – Bodily Exclusions of Section I – Coverage B – PerInjury And Property Damage: sonal And Advertising Injury Liability:

2. Exclusions 2. Exclusions

This insurance does not apply to: This insurance does not apply to:

Fungi or Bacteria Fungi or Bacteria

a. "Bodily injury" or "property damage" a. "Personal injury" or "advertising injury" which would not have occurred, in whole which would not have taken place, in

or in part, but for the , alleged or whole or in part, but for the actual, althreatened inhalation of, ingestion of, leged or threatened inhalation of, inges- contact with, exposure to, existence of, or tion of, contact with, exposure to, exis- presence of, any "fungi" or on or tence of, or presence of any "fungi" or

within a building or including its bacteria on or within a building or struc- contents, regardless of whether any other ture, including its contents, regardless of

cause, event, material or product whether any other cause, event, material

uted concurrently or in any sequence to or product concurrently or in

such injury or damage. any sequence to such injury.

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

the abating, testing for, monitoring, the abating, testing for, monitoring, cleaning up, removing, containing, treat- cleaning up, removing, containing, treating, detoxifying, neutralizing, remediating ing, detoxifying, neutralizing, remediating

or disposing of, or in any way responding or disposing of, or in any way responding

to, or assessing the effects of, "fungi" or to, or assessing the effects of, "fungi" or

bacteria, by any insured or by any other bacteria, by any insured or by any other

person or entity. person or entity.

This does not apply to any "fungi" C. The following is added to the Definior bacteria that are, are on, or are contained tions

in, a good or product intended for consump- "Fungi" means any type or form of fungus, intion. cluding mold or mildew and any mycotoxins,

spores, scents or byproducts produced or released by fungi.

CG D2 43 01 02 Copyright, The Travelers Indemnity Company, 2002 Page 1 of 1

Includes copyrighted material of Insurance Services Office

contribcontributed 

definition 

actual

bacteria

structure, 

exclusion 

Section:

exclusion 

Travelers Doc Mgmt 172 of 274
COMMERCIAL GENERAL LIABILITY

POLICY NUMBER: ISSUE DATE:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

EXCLUSION – SPECIFIED THERAPEUTIC OR

COSMETIC SERVICES

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE

Description Of Operations:

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

as applicable to this endorsement.)

The following exclusion is added to Paragraph 2., erty damage", "personal injury" or "advertising injury" Exclusions of Section I – Coverage A – Bodily arising out of the rendering of or failure to render any

Injury And Property Damage Liability and Para- service, treatment, advice or instruction for the purgraph 2., Exclusions of Section I – Coverage B – pose of appearance or skin enhancement, hair re- Personal And Advertising Injury Liability: moval or replacement, or personal grooming or therW apy. ith respect to any operation shown in the Schedule,

this insurance does not apply to "bodily injury", "propCG D3 02 11 03 Copyright, The Travelers Indemnity Company, 2003 Page 1 of 1

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

Y-630-0K557677-COF-20 01-11-20

AL SPA SERVICES CONDUCTED BY THE HERRINGTON INN OR ON YOUR

BEHALF

Travelers Doc Mgmt 173 of 274
COMMERCIAL GENERAL LIABILITY

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

AMENDMENT OF CONTRACTUAL LIABILITY EXCLUSION

– EXCEPTION FOR DAMAGES ASSUMED IN AN INSURED

CONTRACT APPLIES ONLY TO NAMED INSURED

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

PROVISIONS a. The "suit" against the indemnitee seeks

damages for which you have assumed 1. The following replaces Paragraph (2) the liability of the indemnitee in a contract b., Contractual Liability, in Paragraph 2. of

or agreement that is an "insured con- SECTION I – COVERAGES – COVERAGE A

tract"; BODILY INJURY AND PROPERTY DAMAGE

LIABILITY: b. This insurance applies to such liability assumed by you; (2) Assumed by you in a contract or agreement

that is an "insured contract", provided that the c. The obligation to defend, or the cost of

"bodily injury" or "property damage" occurs the defense of, that indemnitee has also

subsequent to the execution of the contract or been assumed by you in the same "inagreement. So sured contract"; lely for the purposes of liability

assumed by you in an "insured contract", rea- d. The allegations in the "suit" and the insonable attorney fees and necessary litigation formation we know about the "occurexpenses incurred by or for a party other than rence" or offense are such that we dean insured will be deemed to be damages termine that no conflict exists between

because of "bodily injury" or "property your interests and the interests of the inage", provided that: demnitee;

(a) Liability to such party for, or for the cost e. You and the indemnitee ask us to conof, that party's defense has also been as- duct and control the defense of that insumed by you in the same "insured con- demnitee against such "suit" and agree

tract"; and that we can assign the same counsel to

(b) Such attorney fees and litigation ex- defend you and the indemnitee; and

penses are for defense of that party 3. The following replaces the last sentence of

against a civil or alternative reso- Paragraph 2. of SUPPLEMENTARY PAYlution proceeding in which damages to MENTS – COVERAGES A AND B of SECwhich this insurance applies are alleged. TION I – COVERAGES:

2. The following replaces the beginning of Para- Our obligation to defend your indemnitee and

graph 2., and Paragraphs 2.a., b., c., d. and e., of to pay for attorneys' fees and necessary litigaSUPPLEMENTARY PAYMENTS – COVER- tion expenses as Supplementary Payments

AGES A AND B of SECTION I – COVERAGES: ends when:

2. If we defend you against a "suit" and your in- a. We have used up the applicable limit of

demnitee is also named as a party to the insurance in the payment of judgments,

"suit", we will have the right and duty to de- settlements or medical expenses; or

fend that indemnitee if all of the following b. The conditions set forth above, or the conditions are met:

terms of the agreement described in

Paragraph f. above, are no longer met.

CG D4 21 07 08 © 2008 The Travelers Companies, Inc. Page 1 of 1

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

of Exclusion

damdispute 

Travelers Doc Mgmt 174 of 274
COMMERCIAL GENERAL LIABILITY

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

EXCLUSION – VIOLATION OF CONSUMER FINANCIAL

PROTECTION LAWS

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

PROVISIONS "Consumer financial identity information" means

any of the following information for a person that 1. The following exclusion is added to Paragraph

is used or collected for the purpose of serving 2., Exclusions, of SECTION I – COVERAGES

as a factor in establishing such person's eligibil- – COVERAGE A BODILY INJURY AND

ity for personal credit, insurance or employment, PROPERTY DAMAGE LIABILITY:

or for the purpose of conducting a business

Violation Of Consumer Financial Protection transaction: Laws

a. Part or all of the account number, the expi- "Bodily injury" or "property damage" arising out ration date or the balance of any credit, of any actual or alleged violation of a "consumer debit, bank or other financial account.

financial protection law", or any other "bodily in- b. Information bearing on a person's credit jury" or "property damage" alleged in any claim

worthiness, credit standing or credit capac- or "suit" that also alleges any such violation.

ity. 2. The following exclusion is added to Paragraph c. Social security number. 2., Exclusions, of SECTION I – COVERAGES

– COVERAGE B PERSONAL AND ADVER- d. Drivers license number.

TISING INJURY LIABILITY: e. Birth date.

Violation Of Consumer Financial Protection "Consumer financial protection law" means: Laws

a. The Fair Credit Reporting Act (FCRA) and

"Personal injury" or "advertising injury" arising any of its amendments, including the Fair

out of any actual or alleged violation of a "con- and Accurate Credit Transactions Act

sumer financial protection law", or any other (FACTA); "personal injury" or "advertising injury" alleged in b. California's Song-Beverly Credit Card Act any claim or "suit" that also alleges any such

and any of its amendments; or violation.

c. Any other law or regulation that restricts or 3. The following is added to the DEFINITIONS

prohibits the collection, dissemination, Section:

transmission, distribution or use of "consumer financial identity information".

CG D6 18 10 11 © 2011 The Travelers Indemnity Company. All rights reserved. Page 1 of 1

Travelers Doc Mgmt 175 of 274
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

EXCLUSION – DISCRIMINATION

PROVISIONS 2. The following is added to 2., Exclusions, of SECTION I – COVERAGES – 1. The following is 2., COVERAGE B – PERSONAL AND Exclusions, of SECTION I – COVERAGES – ADVERTISING INJURY LIABILITY: COVERAGE A – BODILY INJURY AND

PROPERTY DAMAGE LIABILITY: Discrimination

Discrimination

CG D1 42 02 19 Page 1 of 1

This endorsement modifies insurance provided under the following:

exclusion added to Paragraph

exclusion Paragraph

© 2017 The Travelers Indemnity Company. All rights reserved.

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

COMMERCIAL GENERAL LIABILITY

COMMERCIAL GENERAL LIABILITY COVERAGE PART

"Bodily injury" arising out of discrimination based 

upon a person's sex, sexual orientation, marital 

status, pregnancy, race, color, creed, religion, 

national origin, citizenship, veteran status, age, 

genetic information or physical or mental 

disability, or any other characteristic, attribute, 

trait, condition or status that qualifies a person for 

protection against discrimination under federal, 

state or local law. 

"Personal injury" arising out of discrimination 

based upon a person's sex, sexual orientation, 

marital status, pregnancy, race, color, creed, 

religion, national origin, citizenship, veteran 

status, age, genetic information or physical or 

mental disability, or any other characteristic, 

attribute, trait, condition or status that qualifies a 

person for protection against discrimination under 

federal, state or local law. 

Travelers Doc Mgmt 176 of 274
COMMERCIAL GENERAL LIABILITY

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

EXCLUSION – EXTERIOR INSULATION AND

FINISH SYSTEM

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

PROVISIONS

1. The following exclusion is added to Paragraph 2. The following is added to SECTION V –

2., Exclusions, of SECTION I – COVERAGES – DEFINITIONS:

COVERAGE A BODILY INJURY AND "Exterior insulation and finish system" PROPERTY DAMAGE LIABILITY: (commonly referred to as synthetic stucco or

Exterior Insulation And Finish System EIFS):

(1) "Property damage" arising out of "your a. Means an exterior cladding or finish system

product" or "your work": used on any part of any structure and

consisting of: (a) That is or that is in or part of any

"exterior insulation and finish system" or (1) A rigid or semi rigid insulation board

any ubs made of expanded polystyrene or other s tantially similar system; or

materials; (b) That impacts the fitness, quality, (2) The adhesive or mechanical fasteners durability or performance of any "exterior

used to attach the insulation board to the insulation and finish system" or any

substrate; substantially similar system. (3) A reinforced base coat; and

(2) "Bodily injury" arising out of "your product" or (4) A finish coat providing surface texture "your work" described in Paragraph (a) or (b) and color. above and that is alleged in any claim or b. Includes any conditioner, primer, accessory, "suit" which also alleges such "property flashing, coating, caulking or sealant used in

damage". connection with such a system.

CG D2 04 12 17 © 2017 The Travelers Indemnity Company. All rights reserved. Page 1 of 1

Travelers Doc Mgmt 177 of 274
COMMERCIAL GENERAL LIABILITY

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

EXCLUSION—TOBACCO OR NICOTINE

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

PROVISIONS 3. The following is added to the DEFINITIONS

Section: 1. The following is added to Paragraph 2., Ex "Nicotine or nicotine product": clusions, of SECTION I – COVERAGES – COVERAGE A BODILY INJURY AND a. Means:

PROPERTY DAMAGE LIABILITY: (1) Natural or synthetic nicotine, in any form;

Tobacco Or Nicotine or

"Bodi y (2) Any good or product that contains natural l injury" or "property damage" arising out of

or synthetic nicotine. the:

b. Includes: (1) Sale, manufacture, handling, distribution, marketing or advertising of; or (1) Any material, substance, ingredient or

element on, in or part of natural or (2) Actual, alleged or threatened absorption, synthetic nicotine; consumption, ingestion, inhalation or use of, or ex osu (2) Any smoke, vapor, soot, fume or other p re to, substance that results from natural or

any "tobacco or tobacco product" or "nicotine or synthetic nicotine, or from any good or

nicotine product". product that contains natural or synthetic

nicotine; This applies to all such "bodily injury" or

"property damage", regardless of whether such (3) Any filter, paper, tip, wrapper or other part

"bodi y of any good or product containing natural l injury" or "property damage" is included in

or synthetic nicotine; the "products-completed operations hazard".

(4) Any device used for the absorption, 2. The following is added to Paragraph 2., consumption, ingestion, inhalation or Exclusions, of SECTION I – COVERAGES –

delivery of natural or synthetic nicotine, or COVERAGE B PERSONAL AND ADVERTISING

any container, material, part, equipment INJURY LIABILITY:

or accessory furnished in connection with

Tobacco Or Nicotine such device;

(5) Any warranty or representation made at "Personal injury" or "advertising injury" arising out

any time with respect to the fitness, of the:

quality, durability, performance or use of

(1) Sale, manufacture, handling, distribution, natural or synthetic nicotine, or with

marketing or advertising of; or respect to any good or product that

contains natural or synthetic nicotine; or (2) Actual, alleged or threatened absorption, consumption, ingestion, inhalation or use of, (6) The providing of or failure to provide

or exposure to, warnings or instructions with respect to

natural or synthetic nicotine, or with

any "tobacco or tobacco product" or "nicotine or

respect to any good or product that

nicotine product". contains natural or synthetic nicotine.

CG D2 26 06 15 © 2015 The Travelers Indemnity Company. All rights reserved. Page 1 of 2

exclusion 

exclusion 

exclusion 

Travelers Doc Mgmt 178 of 274
COMMERCIAL GENERAL LIABILITY

"Tobacco or tobacco product": (4) Any device used for the absorption, consumption, ingestion, inhalation or a. Means:

delivery of tobacco, or any container, (1) Any type of tobacco, in any form; or

material, part, equipment or accessory

(2) Any good or product that contains furnished in connection with such device;

tobacco.

(5) Any warranty or representation made at b. Includes: any time with respect to the fitness, (1) Any material, substance, ingredient or quality, durability, performance or use of

element on, in or part of tobacco; tobacco, or with respect to any good or

product that contains tobacco; or (2) Any smoke, vapor, soot, fume or other

substance that results from tobacco, or (6) The providing of or failure to provide from any good or product that contains

warnings or instructions with respect to

tobacco;

tobacco, or with respect to any good or

(3) Any filter, paper, tip, wrapper or other part product that contains tobacco.

of any good or product containing

tobacco;

Page 2 of 2 © 2015 The Travelers Indemnity Company. All rights reserved. CG D2 26 06 15

Travelers Doc Mgmt 179 of 274
COMMERCIAL GENERAL LIABILITY

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

EXCLUSION – SILICA

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

PROVISIONS a. Any supervision, instructions, recommendations,

warnings or advice given or which should have This insurance does not apply to "bodily injury", been given in connection with the above; and "property damage", "personal injury" or "advertising

injury" arising out of or in any way related to the b. Any obligation to share damages with or repay

actual, alleged or threatened discharge, dispersal, someone else who must pay damages because

emission, release, escape, handling, contact with, of such injury or damage.

exposure to or inhalation or respiration of silica or This exclusion applies to all such "bodily injury" or products or substances containing silica. This in- "property damage" whether or not the "bodily injury" cludes, but is not limited to: or "property damage" is included in the "productscompleted operations hazard".

CG D2 40 06 01 Copyright, The Travelers Indemnity Company, 2001 Page 1 of 1

Travelers Doc Mgmt 180 of 274
COMMERCIAL GENERAL LIABILITY

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

PROFESSIONAL SERVICES EXCLUSION – THERAPEUTIC OR COSMETIC SERVICES

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

A. The following exclusion is added to Paragraph 2., tions, l peels, laExclusions of Section I – Coverage A – Bodily ser surgery or cryosurgery;

Injury And Property Damage Liability and d. Massage except for facial or scalp mas- Paragraph 2., Exclusions of Section I – Coversages; age B – Personal And Advertising Injury Liability: e. Body piercing;

This insurance does not apply to injury", f. Diet or physical fitness;

"property ", "personal injury" or i g. Chiropody; or

ing injury" arising out of:

h. Tanning the skin; 1. The rendering of or failure to render any serv ce, 2. The rendering of any service or treatment i treatment, advice or instruction related

to: without a license, if the law requires a license

to perform the service or treatment; or a. Any hair removal by or any

surgical procedure to remove or replace 3. The rendering of or failure to render any serhair; vice, treatment, advice or instruction that requires the performance, care, prescription or b. Any application of permanent cosmetic

supervision by a medical doctor. makeup or implantation of pigments into

skin pores; This exclusion applies even if the claim against

any insured alleges negligence or other c. Any invasive medical or surgical proceing in the supervision, employment, train- dure to improve or alter the appearance

ing or monitoring of others by any insured. of skin, including but not limited to injecCG D3 44 02 05 Copyright, The Travelers Indemnity Company, 2004 Page 1 of 1

"bodily 

damage "advert schemica dermabrasion, 

electrolysis 

wrongdohiring, 

Travelers Doc Mgmt 181 of 274
EMPLOYEE BENEFITS

LIABILITY

Travelers Doc Mgmt 182 of 274
EMPLOYEE BENEFITS

LIABILITY

Travelers Doc Mgmt 183 of 274
EMPLOYEE BENEFITS LIABILITY POLICY NO.:

COVERAGE PART DECLARATIONS ISSUE DATE:

INSURING COMPANY:

DECLARATIONS PERIOD: From to 12:01 A.M. Standard Time at your mailing address

shown in the Common Policy Declarations.

The Employee Benefits Liability Coverage Part consists of these Declarations and the Coverage Form

shown below.

1. COVERAGE AND LIMITS OF INSURANCE

Employee Benefits Liability

Coverage Form Limits of Insurance

Aggregate Limit $

Each Employee Limit $

2. AUDIT PERIOD:

3. FORM OF BUSINESS:

4. RETROACTIVE DATE:

Date, if any shown below.

Retroactive Date:

5. EMPLOYEE BENEFIT PROGRAMS OTHER THAN THOSE LISTED IN SECTION VII–DEFINITIONS:

6. DEDUCTIBLE:

$ EACH EMPLOYEE

7. PREMIUM COMPUTATION:

Rate

Estimated No. Per Estimated Minimum

of Employees Employee Premium Premium

$ $

8. NUMBERS OF FORMS, SCHEDULES AND ENDORSEMENTS FORMING PART OF THIS COVERAGE PART

ARE ATTACHED AS A SEPARATE LISTING.

CG T0 09 09 93 Page 1 of 1

PRODUCER: OFFICE:

This insurance does not apply to negligent acts, errors or omissions which occurred before the Retroactive

Y-630-0K557677-COF-20

01-11-20

THE CHARTER OAK FIRE INSURANCE COMPANY

01-01-20 01-01-21

 2,000,000

 1,000,000

ANNUAL

CORPORATION

01-01-2013

NONE

 151 300 300

A J GALLAGHER RMS NI026 NAPERVILLE IL 888

Travelers Doc Mgmt 184 of 274
TABLE OF CONTENTS

EMPLOYEE BENEFITS LIABILITY COVERAGE FORM

Beginning on Page

SECTION I - EMPLOYEE BENEFITS LIABILITY COVERAGE

Insuring Agreement 1

Exclusions 2

Supplementary Payments 3

SECTION II - WHO IS AN INSURED 3

SECTION III - LIMITS OF INSURANCE 4

SECTION IV - DEDUCTIBLE 4

SECTION V - EMPLOYEE BENEFITS LIABILITY CONDITIONS 5

Bankruptcy 5

Duties in The Event of Act, Error or Omission, Claim Or Suit 5

Legal Action Against Us 6

Other Insurance 6

Premium Audit 6

Representations 7

Separation of Insureds 7

Transfer of Rights of Recovery Against Others To Us 7

When We Do Not Renew 7

Cancellation, Non-renewal And Renewal Conditions Applicable to 

Commercial General Liability Coverage Part 7

SECTION VI - EXTENDED REPORTING PERIODS 7

SECTION VII - DEFINITIONS 8

CG T0 43 01 16 © 2016 The Travelers Indemnity Company. All rights reserved. Page 1 of 1

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Travelers Doc Mgmt 185 of 274
COMMERCIAL GENERAL LIABILITY

EMPLOYEE BENEFITS LIABILITY COVERAGE FORM

THIS INSURANCE PROVIDES CLAIMS-MADE COVERAGE.

PLEASE READ THE ENTIRE FORM CAREFULLY.

Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and

what is and is not covered.

Throughout this policy the words "you" and "your" refer to the Named Insured shown in the Declarations and any

other person or organization qualifying as a Named Insured under this policy. The words "we," "us" and "our" refer

to the company providing this insurance.

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

Other words and phrases that appear in quotation marks have special meaning. Refer to Section VII – Definitions. SECTION I – EMPLOYEE BENEFITS LIABILITY (3) The negligent act, error or omission was

COVERAGE committed on or after the Retroactive

Date, if any, shown in the Declarations of 1. Insuring Agreement

this Coverage Part and before the end of

a. We will pay those sums that the insured the policy period; and

becomes legally obligated to pay as damages

(4) A claim or "suit" for damages because of because of loss to which this insurance

the loss is first made or brought against applies. We will have the right and duty to

any insured, in accordance with defend the insured against any "suit" seeking Paragraph e. below, during the policy

those damages. However, we will have no

period or any Extended Reporting Period

duty to defend the insured against any "suit" we provide under Section VI – Extended

seeking damages for loss to which this Reporting Periods.

insurance does not apply. We may, at our

c. Each negligent act, error or omission in a discretion, investigate any negligent act, error

series of related negligent acts, errors or or omission and settle any claim or "suit" that

omissions will be deemed to have been may result: But:

committed on the date the first such negligent (1) The amount we will pay for damages is act, error or omission in that series is

limited as described in Section III – Limits committed.

Of Insurance; and d. If the Retroactive Date is left blank in the

(2) Our right and duty to defend ends when Declarations of this Coverage Part, the

we have used up the applicable limit of Retroactive Date will be deemed to be the

insurance in the payment of judgments or first day of the policy period.

settlements. e. A claim or "suit" seeking damages will be

No other obligation or liability to pay sums or deemed to have been first made or brought at

perform acts or services is covered unless the earlier of the following times:

explicitly provided for under Supplementary (1) When we or any insured first receives

Payments. written notice of such claim or "suit",

b. This insurance applies to loss only if: whichever comes first; or

(1) The loss is caused by a negligent act, (2) When we first receive written notice from

error or omission committed by the any insured of a specific negligent act,

insured, or by any other person for whose error or omission that caused the loss

acts the insured is legally liable, in the which resulted in such claim or "suit".

"administration" of your "employee benefit All claims or "suits" that seek damages

program"; because of loss sustained by any one

(2) The negligent act, error or omission is "employee", including the "employee's"

committed in the "coverage territory"; dependents and beneficiaries, will be deemed

CG T1 01 01 16 © 2016 The Travelers Indemnity Company. All rights reserved. Page 1 of 9

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

Travelers Doc Mgmt 186 of 274
COMMERCIAL GENERAL LIABILITY

to have been first made or brought at the time (1) Failure of any investment to perform;

the first of those claims or "suits" is made or (2) Errors in providing information on past

brought against any insured. performance of investment vehicles; or

f. A claim or "suit" that seeks damages will be

(3) Advice given to any person with respect

deemed to have been first made or brought at

to that person's decision to participate or

the time we receive written notice from any not to participate in any plan included in

insured of a specific negligent act, error or

the "employee benefit program". omission only if that notice contains all of the

f. Workers' Compensation And Similar Laws following information:

Loss arising out of your failure to comply with

(1) How, when and where the negligent act,

the mandatory provisions of any workers' error or omission was committed;

compensation, unemployment compensation

(2) A description of what happened; insurance, social security or disability benefits

(3) A description of what damages may law or any similar law.

result; g. ERISA

(4) The identity of the person or organization Loss for which any insured is liable because

that may make a claim or bring a "suit"; of liability imposed on a fiduciary by the

and Employee Retirement Income Security Act of

(5) The 1974, as amended, or by any similar federal, identity of each insured that

com state or local laws. mitted the negligent act, error or

omission. h. Available Benefits

Notice to us that any insured may in the Loss of benefits to the extent that such

future receive written notice of a negligent benefits are available, with reasonable effort

act, error or omission, claim or "suit" is not and cooperation of the insured, from the

notice of a specific negligent act, error or applicable funds accrued or other collectible

omission. insurance.

2. Exclusions i. Taxes, Fines Or Penalties

This insurance does not apply to: (1) Any taxes, fines, or penalties, including

a. Criminal, Dishonest, Fraudulent Or

those imposed under any provision of the

Malicious Acts Internal Revenue Code of 1986, as

amended, or any similar state or local Loss arising out of any criminal, dishonest, law; or

fraudulent, or malicious act, error or omission

(2) Any loss, cost or expense arising out of committed by any insured, including the willful

the imposition of such taxes, fines or or reckless violation of any law or regulation. penalties. b. Injury Or Damage

j. Employment-Related Practices

"Bodily injury", "property damage", "personal

Loss to: injury" or "advertising injury." (1) A person arising out of any: c. Failure To Perform A Contract

(a) Refusal to employ that person; Loss arising out of failure of performance of

contract by any insurer. (b) Termination of that person's

d employment; or. Insufficiency Of Funds

(c) Employment-related practice or Loss arising out of an insufficiency of funds to

m policy, such as coercion, demotion, eet any obligations under any plan included

reassignment, discipline, failure to in the "employee benefit program". promote or advance, harassment, e. Inadequacy Of Performance Of Investment humiliation, discrimination, libel, Or Advice Given With Respect To slander, violation of the person's right Participation of privacy, malicious prosecution or

Any claim or "suit" based upon: false arrest, detention or

Page 2 of 9 © 2016 The Travelers Indemnity Company. All rights reserved. CG T1 01 01 16

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

Travelers Doc Mgmt 187 of 274
COMMERCIAL GENERAL LIABILITY

imprisonment applied to or directed at deposited in court the part of the judgment

that person, regardless of whether that is within the applicable limit of insurance. such practice or policy occurs, is These payments will not reduce the limits of

applied or is committed before, during insurance.

or after the time of that person's SECTION II – WHO IS AN INSURED

employment; or

1. If you are designated in the Declarations as: (2) The spouse, child, parent, brother or

a. An individual, you and your spouse are sister of that person as a consequence of

insureds, but only with respect to the conduct loss to that person at whom any of the

of a business of which you are the sole employment-related practices or policies

owner. described in Paragraphs (a), (b), or (c)

above is directed. b. A partnership or joint venture, you are an

insured. Your members, your partners, and This exclusion applies:

their spouses are also insureds, but only with

(1) Whether the insured may be liable as an respect to the conduct of your business. employer or in any other capacity; and c. A limited liability company, you are an

insured. Your members are also insureds, but (2) To any obligation to share damages with

or only with respect to the conduct of your repay someone else who must pay

business. Your managers are insureds, but damages because of the loss. only with respect to their duties as your k. Access Or Disclosure Of Confidential Or managers. Personal Information

d. An organization other than a partnership, joint

Loss arising out of any access or disclosure venture or limited liability company, you are

of any person's or organization's confidential an insured. Your "executive officers" and

or personal information. directors are also insureds, but only with

respect to their liability as your officers or 3. Supplementary Payments

directors. Your stockholders are also

We will pay, with respect to any claim we insureds, but only with respect to their liability

investigate or settle, or any "suit" against an as stockholders.

insured we defend: e. A trust, you are an insured. Your trustees are

a. All expenses we incur. also insureds, but only with respect to their

duties as trustees. b. The cost of bonds to release attachments, but

on y 2. Each of the following is also an insured: l for bond amounts within the applicable

limit of insurance. We do not have to furnish a. Each of your "employees", other than either

these bonds. your "executive officers" (if you are an

organization other than a partnership, joint c. All reasonable expenses incurred by the

venture or limited liability company) or your

insured at our request to assist us in the

managers (if you are a limited liability investigation or defense of the claim or "suit," company), who is or was authorized to

including actual loss of earnings up to $500 a

administer your "employee benefit program." day because of time off from work.

b. Any person or organization having proper d. All costs taxed against the insured in the

temporary authorization to administer your

"suit."

"employee benefit program" if you die, but

e. Pre-judgment interest awarded against the only until your legal representative is

insured on that part of the judgment we pay. If appointed.

we made an offer to pay the applicable limit of c. Your legal representative if you die, but only

insurance, we will not pay any prejudgment with respect to duties as such. That

interest based on that period of time after the representative will have all your rights and

offer. duties under this Coverage Part.

f. All interest on the full amount of any judgment 3. Any organization you newly acquire or form, other

that accrues after entry of the judgment and than a partnership, joint venture or limited liability

before we have paid, offered to pay, or company, and over which you maintain ownership

CG T1 01 01 16 © 2016 The Travelers Indemnity Company. All rights reserved. Page 3 of 9

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

Travelers Doc Mgmt 188 of 274
COMMERCIAL GENERAL LIABILITY

or majority interest, will qualify as a Named case, the additional period will be deemed part of

Insured if there is no other similar insurance the last preceding period for purposes of

available to that organization. However: determining the Limits of Insurance. a. Coverage under this provision is afforded only SECTION IV – DEDUCTIBLE

until the 180th day after you acquire, or form

1. The Deductible shown in the Declarations and the

the organization or the end of the policy

rules below fix the amount of damages incurred period, whichever is earlier:

by, or on behalf of, you or any insured that you

b. Coverage under this provision does not apply will be responsible for paying, regardless of the

to any negligent act, error or omission that number of:

was committed before you acquired or formed

a. lnsureds;

the organization.

No person o organi ation b. Claims made or "suits" brought; r z is an insured with

respect to the conduct of any current or past c. Persons or organizations making claims or

partnership, joint venture or limited liability bringing "suits";

company that is not shown as a Named Insured d. Acts, errors or omissions; or in the Declarations. This paragraph does not

apply to any such partnership, joint venture or e. Benefits included in your "employee benefit

limited liability company that otherwise qualifies program". as an insured under Section II – Who Is An If no amount is shown for the Deductible in the

Insured. Declarations, the Deductible does not apply to

SECTION III – LIMITS OF INSURANCE this Coverage Part. 1. The Limits of Insurance shown in the Declarations 2. The Deductible applies to all damages sustained

and the rules below fix the most we will pay by any one "employee", including damages

regardless of the number of: sustained by such "employee's" dependents and

a. lnsureds; beneficiaries, because of all negligent acts, errors

or omissions committed in the "administration" of b. Claims made or "suits" brought;

your "employee benefit program". c. Persons or organizations making claims or

3. The Limits of Insurance will not be reduced by the bringing "suits";

amount of damages within the deductible amount.

d. Acts, errors or omissions; or 4. The terms of this policy, including those with

e. Benefits included in your "employee benefit respect to:

program". a. Our right and duty with respect to the defense 2. The Aggregate Limit is the most we will pay for all of "suits"; and

damages because of all negligent acts, errors or

b. Your duties in the event of an act, error or omissions committed in the "administration" of

omission, claim or suit; your "employee benefit program." 3. Subject to the Aggregate Limit, the Each apply irrespective of the application of the

Em deductible amount. ployee Limit is the most we will pay for all

damages sustained by any one "employee", 5. If we settle a claim or "suit" for damages, or pay a

including damages sustained by such judgment for damages awarded in a "suit", that

"employee's" dependents and beneficiaries, are subject to a deductible, we may pay any part

because of all negligent acts, errors or omissions or all of the deductible amount. You will promptly

committed in the "administration" of your reimburse us for such part of the deductible

"employee benefit program". amount as we have paid. The Limits of Insurance of this Coverage Part SECTION V – EMPLOYEE BENEFITS LIABILITY

apply separately to each consecutive annual CONDITIONS

period and to any remaining period of less than 1. Bankruptcy 12 months, starting with the beginning of the

policy period shown in the Declarations, unless Bankruptcy or insolvency of the insured or of the

insured's estate will not relieve us of our the policy period is extended after issuance for an

addi obligations under this Coverage Part. tional period of less than 12 months. In that

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COMMERCIAL GENERAL LIABILITY

2. Duties In The Event Of Act, Error Or Omission, venture), any of your managers who is an

Claim Or Suit individual (if you are a limited liability

company), any of your "executive a. You must see to it that we are notified as

officers" or directors (if you are an soon as practicable of an act, error or

organization other than a partnership, omission which may result in a claim. To the

joint venture, or limited liability company), extent possible, notice should include:

any of your trustees who is an individual

(1) What the act, error or omission was and (if you are a trust) or any "employee" when it was committed; and authorized by you to give notice of an act,

(2) The names and addresses of any error or omission.

"employees" who may suffer loss caused (2) If you are a partnership, joint venture,

by the act, error or omission.

limited liability company or trust, and

b. If a claim is made or "suit" is brought by any none of your partners, joint venture

members, managers or trustees are insured, you must:

individuals, notice to us of such act, error

(1) Immediately record the specifics of the or omission must be given as soon as

claim or "suit" and the date received; and practicable only after the act, error or

omission is known by: (2) Notify us as soon as practicable. Yo mu (a) Any individual who is: u st see to it that we receive written

notice of the claim or "suit" as soon as (i) A lawfully elected or appointed

practicable. official, executive officer or

director of any public entity; c. You and any other involved insured must:

(ii) A partner or member of any (1) Immediately send us copies of any

partnership or joint venture; demands, notices, summonses or legal

papers received in connection with the (iii) A manager of any limited liability

claim or a "suit"; company;

(2) Authorize us to obtain records and other (iv) An executive officer or director of

information; any other organization; or

(v) A trustee of any trust; (3) Cooperate with us in the investigation or

settlement of the claim or defense against that is your partner, joint venture

the "suit"; and member, manager or trustee; or

(4) Assist us, upon our request, in the (b) Any "employee" authorized by such

enforcement of any right against any partnership, joint venture, limited

person or organization which may be liability company, trust or other

liable to the insured because of loss to organization to give notice of an act,

which this insurance may also apply. error or omission.

d. No insured will, except at that insured's own 3. Legal Action Against Us

cost, voluntarily make a payment, assume No person or organization has a right under

any obligation, or incur any expense without this Coverage Part:

our consent. a. To join us as a party or otherwise bring us

e. The following provisions apply to Paragraph into a "suit" asking for damages from an

a. above, but only for purposes of the insured; or insurance provided under this Coverage Part

to you or any insured listed in Paragraph 1. or b. To sue us on this Coverage Part unless

2. of Section II – Who Is An Insured: all of its terms have been fully complied

with. (1) Notice to us of such act, error or omission

must be given as soon as practicable only A person or organization may sue us to

a recover on an agreed settlement or on a final fter the act, error or omission is known

judgment against an insured; but we will not to you (if you are an individual), any of

your partners or members who is an be liable for damages that are not payable

under the terms of this Coverage Part or that individual (if you are a partnership or joint

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COMMERCIAL GENERAL LIABILITY

are in excess of the applicable limit of 5. Premium Audit

insurance. An agreed settlement means a a. We will compute all premiums for this

settlement and release of liability signed by Coverage Part in accordance with our rules

us, the insured and the claimant or the

and rates. claimant's legal representative. b. Premium shown in this Coverage Part as 4. Other Insurance

advance premium is a deposit premium only.

If valid and collectible other insurance is At the close of each audit period we will

available to the insured for a loss we cover compute the earned premium for that period

under this Coverage Part, our obligations are and send notice to the first Named Insured.

limited as described in Paragraphs a. and b. The due date for audit and retrospective

below. premiums is the date shown as the due date

As used anywhere in this Coverage Part, on the bill. If the sum of the advance and

other insurance means insurance, or the audit premiums paid for the policy period is

funding of losses, that is provided by, through greater than the earned premium, we will

or on behalf of: return the excess to the first Named Insured.

(i) Another insurance company; c. The first Named Insured must keep records of

(ii) Us or any of our affiliated insurance the information we need for premium

companies; computation, and send us copies at such

times as we may request. (iii) Any risk retention group; or

(iv) Any self-insurance method or program, in 6. Representations

which case the insured will be deemed to By accepting this policy, you agree: be the provider of other insurance.

a. The statements in the Declarations are Other insurance does not include umbrella accurate and complete; insurance, or excess insurance, that was

bought specifically to apply in excess of the b. Those statements are based upon

Limits of Insurance shown in the representations you made to us; and

Declarations. c. We have issued this policy in reliance upon

As used anywhere in this Coverage Part, your representations.

other insurer means a provider of other The unintentional omission of, or unintentional insurance. As used in Paragraph b. below, error in, any information provided by you which

insurer means a provider of insurance.

we relied upon in issuing this policy will not

a. Primary Insurance prejudice your rights under this insurance. This insurance is primary. If any of the However, this provision does not affect our right

other insurance is also primary, we will to collect additional premium or to exercise our

share with all that other insurance by the rights of cancellation or renewal in accordance

method described in Paragraph b. below. with applicable insurance laws or regulations. b. Method Of Sharing 7. Separation Of Insureds

If all of the other insurance permits Except with respect to the Limits of Insurance, contribution by equal shares, we will and any rights or duties specifically assigned in

follow this method also. Under this this Coverage Part to the first Named Insured, approach each insurer contributes equal this insurance applies: amounts until it has paid its applicable

limit of insurance or none of the loss a. As if each Named Insured were the only

remains, whichever comes first. Named Insured; and

If any of the other insurance does not b. Separately to each insured against whom

permit contribution by equal shares, we claim is made or "suit" is brought. will contribute by limits. Under this 8. Transfer Of Rights Of Recovery Against

method, each insurer's share is based on Others To Us

the ratio of its applicable limit of insurance

If the insured has rights to recover all or part of

to the total applicable limits of insurance

of all insurers. any payment we have made under this Coverage

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COMMERCIAL GENERAL LIABILITY

Part, those rights are transferred to us. The 4. A Supplemental Extended Reporting Period is

insured must do nothing after loss to impair them. available, but only by an endorsement and for an

At our request, the insured will bring "suit" or extra charge. This supplemental period starts with

transfer those rights to us and help us enforce the end of the policy period and lasts for three

them. years or an unlimited period of time, as set forth

in the Supplemental Extended Reporting Period 9. When We Do Not Renew

Endorsement. This supplemental period replaces

If we decide not to renew this Coverage Part, we the Basic Extended Reporting Period.

will mail or deliver to the first Named Insured

This Supplemental Extended Reporting Period

shown in the Declarations written notice of the

will not go into effect unless we receive all of the

nonrenewal not less than 30 days before the

following within 90 days after the end of the policy expiration date.

period and you have fulfilled all other duties, and

If notice is mailed, proof of mailing will be complied with all other conditions and

sufficient proof of notice. requirements, under this policy:

10. Cancellation, Nonrenewal And Renewal a. A written request from you to purchase the Conditions Applicable To Commercial General Supplemental Extended Reporting Period; Liability Coverage Part

b. Full payment of the earned premium for this

All conditions relating to cancellation, nonrenewal policy; or renewal that are included in any endorsement

applicable to the Commercial General Liability c. Payment of the additional premium for the

Coverage Part attached to this policy also apply Supplemental Extended Reporting Period

to this Coverage Part. Endorsement; and

SECTION VI – EXTENDED REPORTING PERIODS d. Repayment of any deductible you owe us

under this Coverage Part. 1. We will provide one or more Extended Reporting

Periods, as described below, if: We will determine the additional premium for that

endorsement in accordance with our rules and a. This Coverage Part is cancelled or not

rates. The additional premium for the renewed for any reason; or

Supplemental Extended Reporting Period

b. We renew or replace this Coverage Part with Endorsement will not exceed 200% of the annual

insurance that has a Retroactive Date later premium for this policy.

than the date shown in the Declarations. This endorsement will set forth the terms, not

2. The Extended Reporting Periods do not extend inconsistent with this Section VI – Extended

the policy period or change the scope of coverage Reporting Periods, applicable to the

provided. They only apply to claims or "suits" for Supplemental Extended Reporting Period,

loss caused by a negligent act, error or omission including a provision to the effect that the

committed on or after the Retroactive Date shown

insurance afforded for claims or "suits" first made

in the Declarations and before the end of the

or brought against any insured during such period policy period.

is excess over any valid and collectible other

Once in effect, Extended Reporting Periods may insurance available under insurance in force after

not be canceled.

the Supplemental Extended Reporting Period

3. A Basic Extended Reporting Period is starts. automatically provided without additional charge. The Supplemental Extended Reporting Period

This period starts with the end of the policy period does not reinstate or increase the limits of

and lasts for 90 days.

insurance.

The Basic Extended Reporting Period does not SECTION VII – DEFINITIONS

apply to claims or "suits" for loss covered under

1. "Administration" means: subsequent insurance you purchase, or that

would be covered under such insurance but for a. Providing information to "employees",

the exhaustion of its applicable limit of insurance. including their dependents and beneficiaries,

The Basic Extended Reporting Period does not with respect to eligibility for or scope of the

"employee benefit program"; reinstate or increase the limits of insurance.

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COMMERCIAL GENERAL LIABILITY

b. Handling records in connection with the b. Includes "bodily injury" caused by one or

"employee benefit program"; or more of the offenses described in Paragraph

a. above. c. Effecting, continuing or terminating any

"e ployee s" parti 4. "Bodily injury": m ' cipation in any benefit

included in the "employee benefit program." a. Means any harm, including sickness or

H disease, to the health of a person. owever, "administration" does not include

handling payroll deductions. b. Includes mental anguish, injury or illness, or

emotional distress. 2. "Advertisement" means a notice that is broadcast

or published to the general public or specific 5. "Cafeteria plan" means plans authorized by

market segments about your goods, products or applicable law to allow "employees" to elect to

services for the purpose of attracting customers pay for certain benefits with pre-tax dollars.

or supporters. For the purposes of this definition: 6. "Coverage territory" means the United States of

a. Notices that are published include material America (including its territories and

possessions), Puerto Rico or Canada, provided placed on the Internet or on similar electronic

m that the insured's responsibility to pay damages is eans of communication; and

determined in a "suit" on the merits in the United

b. Regarding web sites, only that part of a web States of America (including its territories and

site that is about your goods, products or possessions), Puerto Rico or Canada, or in a

services for the purposes of attracting settlement we agree to.

customers or supporters is considered an 7. "Employee" means a person actively employed, advertisement.

formerly employed, on leave of absence or

3. "Advertising injury": disabled, or retired. "Employee" includes a

"leased worker". "Employee" does not include a a. Means injury, other than "personal injury", "temporary worker". caused by one or more of the following

offenses: 8. "Employee benefit program":

(1) Oral or written publication, including a. Means a program providing some or all of the

publ cation by ele following benefits to your "employees", i ctronic means, of

m whether provided through a "cafeteria plan" or aterial in your "advertisement" that

s otherwise: landers or libels a person or organization

or disparages a person's or organization's (1) Group life insurance; group accident or

goods, products or services, provided that health insurance; dental, vision and

the claim is made or the "suit" is brought hearing plans; and flexible spending

by a person or organization that claims to accounts, provided that no one other than

have been slandered or libeled, or that your "employee" may subscribe to such

claims to have had its goods, products or benefits and such benefits are made

services disparaged; generally available to all of those

(2) Oral or written publication, including "employees" who satisfy the plan's

publ cation by ele eligibility requirements; i ctronic means, of

material in your "advertisement" that: (2) Profit sharing plans, employee savings

plans, employee stock ownership plans, (a) Appropriates a person's name, voice,

pension plans and stock subscription photograph or likeness; or

plans, provided that no one other than

(b) Unreasonably places a person in a your "employee" may subscribe to such

false light; or benefits and such benefits are made

(3) Infringement of copyright, "title" or generally available to all of those

"slogan" in your "advertisement", "employees" who are eligible under the

plan for such benefits; provided that the claim is made or the

"suit" is brought by a person or (3) Unemployment insurance, social security

organization that claims ownership of benefits, workers' compensation and

such copyright,"title" or "slogan". disability benefits;

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COMMERCIAL GENERAL LIABILITY

(4) Vacation plans, including buy and sell have had its goods, products or services

programs; leave of absence programs, disparaged; or

including military, maternity, family, and

(5) Oral or written publication, including

civil leave; tuition assistance plans; publication by electronic means, of

transportation and health club subsidies; material that:

and

(a) Appropriates a person's name, voice, (5) Any other similar benefits designated in

photograph or likeness; or

the Declarations or added thereto by

(b) Unreasonably places a person in a endorsement.

false light. b. Does not include any benefit plan or program

b. Includes "bodily injury" caused by one or described in Paragraph a. above that is selfmore of the offenses described in Paragraph insured.

a. above. 9. "Executive officer" means a person holding any of

12. "Property damage" means:

the officer positions created by your charter,

constitution, bylaws or any other similar governing a. Physical injury to tangible property, including

document. all resulting loss of use of that property; or

10. "Leased worker" means a person leased to you b. Loss of use of tangible property that is not

by a labor leasing firm under an agreement physically injured.

between you and the labor leasing firm, to 13. "Slogan":

perform duties related to the conduct of your a. Means a phrase that others use for the

business. "Leased worker" does not include a

purpose of attracting attention in their "temporary worker". advertising. 11. "Personal injury": b. Does not include a phrase used as, or in, the

a. Means injury, other than "advertising injury", name of:

caused by one or more of the following (1) Any person or organization, other than

offenses:

you; or

(1) False arrest, detention or imprisonment; (2) Any business, or any of the premises, (2) Malicious prosecution; goods, products, services or work, of any

person or organization, other than you. (3) The wrongful eviction from, wrongful entry

into, or invasion of the right of private 14. "Suit'' means a civil proceeding in which damages

occupancy of a room, dwelling or because of loss to which this insurance applies

premises that a person occupies, are alleged."Suit"includes:

provided that the wrongful eviction, a. An arbitration proceeding in which such

wrongful entry or invasion of the right of damages are claimed and to which the

private occupancy is committed by or on insured must submit or submits with our

behalf of the owner, landlord or lessor of consent; or that room, dwelling or premises; b. Any other alternative dispute resolution (4) Oral or written publication, including

proceeding in which such damages are

publication by electronic means, of claimed and to which the insured submits with

material that slanders or libels a person

our consent. or organization or disparages a person's

15. "Temporary worker" means a person who is or organization's goods, products or

furnished to you to substitute for a permanent services, provided that the claim is made

"employee" on leave or to meet seasonal or short- or the "suit" is brought by a person or

term workload conditions. organization that claims to have been

slandered or libeled, or that claims to 16. "Title" means a name of a literary or artistic work.

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COMMERCIAL GENERAL LIABILITY

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

ILLINOIS CHANGES – EBL

This endorsement modifies insurance provided under the following:

EMPLOYEE BENEFITS LIABILITY COVERAGE PART

PROVISIONS b. Subject to Paragraph e. below, we will

provide the first Named Insured shown in the 1. The following is added to Paragraph 1., Insuring

Ag eemen Declarations, within 20 days after receipt of r t, of SECTION I – EMPLOYEE

BENEF T LIAB LI Y CO E AGE written request by the Named Insured, I S I T V R :

detailed claim information and information

If we initially defend an insured or pay for an about acts, errors or omissions in addition to

insured's defense but later determine that the

that provided under Paragraph a. above and claim(s) is (are) not covered under this insurance,

including specific reserve amounts. we will have the right to reimbursement for the

defense costs we have incurred. c. Amounts reserved are based on our

judgment. They are subject to change and The right to reimbursement for the defense costs

should not be regarded as ultimate settlement under this provision will only apply to defense

co values. sts we have incurred after we notify you in

writing that there may not be coverage, and that d. We compile claim information and information

we are reserving our rights to terminate the about acts, errors or omissions for our own

defense and seek reimbursement for defense business purposes and exercise reasonable

costs. care in doing so. In providing this information

2. The following is added to SECTION V – to the first Named Insured, we make no

EMPLOYEE BENEFITS LIABILITY representations or warranties to insureds, CONDITIONS: insurers or others to whom this information is

You Rig furnished by or on behalf of any insured. r ht to Claim Information And Act,

Error Or Omission Information Cancellation or nonrenewal will be effective

even if we inadvertently provide inaccurate a. Subject to Paragraph e. below, we will

information. provide the first Named Insured shown in the

Declarations, within thirty days of the e. We will not provide the information included in

insured's written request or at the same time Paragraphs a. and b. above, if this policy has

as any notice of cancellation or nonrenewal, been cancelled for nonpayment of premium,

the following claim information and material misrepresentations or fraud on the

information about acts, errors or omissions part of the insured.

relating to employee benefits liability 3. The following replaces the second paragraph of coverage we have issued to you within the Paragraph 4. of SECTION VI – EXTENDED last three years: REPORTING PERIODS:

(1) Information concerning closed claims

The Supplemental Extended Reporting Period will

limited to the date and description of acts, not go into effect unless we receive all of the errors or omissions and total amount of

following within 90 days after the end of the policy payments, if any;

period and you have fulfilled all other duties and

(2) Information concerning open claims complied with all other conditions and

limited to the date and description of acts, requirements under this policy:

errors or omissions, total amount of

a. A written request from you to purchase the payments and total reserves, if any; and

Supplemental Extended Reporting Period

(3) Information concerning acts, errors or Endorsement; and

omissions not included in Paragraphs b. Payment of the additional premium for a.(1) and a.(2) above limited to the date

Supplemental Extended Reporting Period

and description of acts, errors or

Endorsement. omissions and total reserves, if any.

CG F8 91 01 16 © Page 1 of 2

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Travelers Doc Mgmt 195 of 274
COMMERCIAL GENERAL LIABILITY

4. The following replaces the term ”spouse” Spouse or party to a civil union recognized under

wherever it appears in this Coverage Part: Illinois law.

Page 2 of 2 © CG F8 91 01 16

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Travelers Doc Mgmt 196 of 274
LIQUOR LIABILITY

Travelers Doc Mgmt 197 of 274
LIQUOR LIABILITY

Travelers Doc Mgmt 198 of 274
LIQUOR LIABILITY POLICY NUMBER:

COVERAGE PART DECLARATIONS ISSUE DATE:

INSURING COMPANY:

the Common Policy Declarations.

The Liquor Liability Coverage Part consist of these Declarations and the Coverage Form shown below.

1. COVERAGE AND LIMITS OF INSURANCE:

LIQUOR LIABILITY COVERAGE FORM

LIMITS OF INSURANCE

Aggregate Limit $

Each Common Cause Limit $

2. AUDIT PERIOD:

3. FORM OF BUSINESS:

4. NUMBERS OF FORMS, SCHEDULES AND ENDORSEMENTS FORMING PART OF THIS COVERAGE

PART ARE ATTACHED AS A SEPARATE LISTING.

CG T0 04 03 94

PRODUCER: OFFICE:

Declarations Period: From to 12:01 A.M. Standard Time at your mailing address shown in

Y-630-0K557677-COF-20

01-11-20

THE CHARTER OAK FIRE INSURANCE COMPANY

01-01-20 01-01-21

 2,000,000

 1,000,000

ANNUAL

CORPORATION

A J GALLAGHER RMS NI026 NAPERVILLE IL 888

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TABLE OF CONTENTS

LIQUOR LIABILITY COVERAGE FORM

CG 00 33 04 13

Beginning on Page

SECTION I – LIQUOR LIABILITY COVERAGE

Insuring Agreement ................................................................................................1

Exclusions ............................................................................................................1

SUPPLEMENTARY PAYMENTS ................................................................................2

SECTION II – WHO IS AN INSURED ............................................................................2

SECTION III – LIMITS OF INSURANCE ...................................................................................3

SECTION IV – LIQUOR LIABILITY CONDITIONS ............................................................3

Bankruptcy ............................................................................................................3

Duties In The Event Of Injury, Claim Or Suit ................................................................4

Legal Action Against Us ..........................................................................................4

Other lnsurance .........................................................................................................4

Premium Audit ......................................................................................................4

Representations ....................................................................................................5

Separation Of Insureds ...........................................................................................5

Transfer Of Rights Of Recovery Against Others To Us ...................................................5

When We Do Not Renew ........................................................................................5

SECTION V – DEFINITIONS ........................................................................................5

CG T0 38 02 19

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COMMERCIAL GENERAL LIABILITY

LIQUOR LIABILITY COVERAGE FORM

authorized by you to give or receive Various provisions in this policy restrict coverage.

R notice of an "injury" or claim, knew that ead the entire policy carefully to determine rights, duties and what is and is not covered. the "injury" had occurred, in whole or in

part. If such a listed insured or Throughout this policy the "you" and "your" authorized "employee" knew, prior to the

refer to the Named Insured shown in the

policy period, that the "injury" occurred, Declarations, and any other person or organization

then any continuation, change or qualifying as a Named Insured under this policy. The

resumption of such "injury" during or words "we", "us" and "our" refer to the company

after the policy period will be deemed to providing this insurance.

have been known prior to the policy The word "insured" means any person or period. organization qualifying as such under Section II – Who Is An Insured. c. "Injury" which occurs during the policy period

and was not, prior to the policy period, Other words and phrases that appear in quotation

m known to have occurred by any insured listed arks have special meaning. Refer to Section V – Definitions. under Paragraph 1. of Section II –Who Is An

SECTION I – LIQUOR LIABILITY COVERAGE Insured or any "employee" authorized by you

to give or notice of an "injury" or 1. Insuring Agreement claim, includes any continuation, change or

a. We will pay those sums that the insured resumption of that "injury" after the end of

becomes legally obligated to pay as

the policy period.

damages because of "injury" to which this

d. "Injury" will be deemed to have been known insurance applies if liability for such "injury"

is imposed on the insured by reason of the to have occurred at the earliest time when

sel any insured listed under Paragraph 1. ofling, serving or furnishing of any alcoholic

beverage. We will have the right and duty to Section II – Who Is An Insured or any

defend the insured against any "suit" seeking "employee" authorized by you to give or

those damages. However, we will have no receive notice of an "injury" or claim:

duty to defend the insured against any "suit" (1) Reports all, or any part, of the "injury" to

seeking damages for "injury" to which this us or any other insurer;

insurance does not apply. We may, at our

(2) Receives a written or verbal demand or discretion, investigate any "injury" and settle

any claim or "suit" that may result. But: claim for damages because of the

"injury"; or (1) The amount we will pay for damages is

limited as described in Section III – (3) Becomes aware by any other means that

Limits Of Insurance; and "injury" has occurred or has begun to

occur. (2) Our right and duty to defend ends when

we have used up the applicable limit of 2. Exclusions

insurance in the payment of judgments This insurance does not apply to:

or settlements.

a. Expected Or Intended Injury No other obligation or liability to pay sums or

perform acts or services is covered unless "Injury" expected or intended from the

explicitly provided for under Supplementary standpoint of the insured. This exclusion does

Payments. not apply to "bodily injury" resulting from the

b use of reasonable force to protect persons or . This insurance applies to "injury" only if:

property. (1) The "injury" occurs during the policy

period in the "coverage territory"; and b. Workers' Compensation And Similar

Laws

(2) Prior to the policy period, no insured

listed under Paragraph 1. of Section II – Any obligation of the insured under a workers' Who Is An Insured and no "employee" compensation, disability benefits or

CG 00 33 04 13 © Insurance Services Office, Inc., 2012 Page 1 of 6

receive

words

Travelers Doc Mgmt 201 of 274
COMMERCIAL GENERAL LIABILITY

unemployment compensation law or any (2) Warlike action by a military force, similar law. including action defending

against an actual or expected attack, by c. Employer's Liability

any government, sovereign or other

"Bodily injury" to: authority using personnel or

(1) An "employee" of the insured arising out other agents; or

of and in the course of: (3) Insurrection, rebellion, revolution, usurped power, or action taken by (a) Employment by the insured; or

governmental authority in hindering or (b) Performing duties related to the

defending against any of these. conduct of the insured's business; or SUPPLEMENTARY PAYMENTS

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

We will pay, with to any claim we investigate sister of that as a

or settle, or any "suit" against we :

consequence of Paragraph (1) above. 1. All expenses . This exclusion applies whether the insured

m y be 2. The cost of bonds to release attachments, but a liable as an employer or in any other

only for bond amounts within the applicable limit capacity and to any to share

of We do not have to furnish these damages with or repay someone else who

bonds. must pay damages because of the "injury". 3. All reasonable expenses incurred by the insured d. Liquor License Not In Effect

at our request to assist us in the investigation or

"Injury" arising out of any alcoholic beverage defense of the claim or "suit", including actual

sold, served or furnished while any required loss of earnings up to $250 a day because of

license is not in effect. from work.

e. Your Product 4. All court costs taxed against the insured in the

"suit". However, these payments do not include "Injury" arising out of "your product". This

attorneys' fees or attorneys' expenses taxed exclusion does not apply to "injury" for which

against the insured.

the insured or the insured's indemnitees may

be held liable by reason of: 5. Prejudgment interest awarded against the

insured on that part of the judgment we pay. If (1) Causing or contributing to the

we make an offer to pay the applicable limit of

intoxication of any person; insurance, we will not pay any prejudgment

(2) The furnishing of alcoholic beverages to interest based on that period of time after the

a person under the legal drinking age or offer. under the influence of alcohol; or 6. All interest on the full amount of any judgment

(3) Any statute, ordinance or regulation that accrues after entry of the judgment and

relating to the sale, gift, distribution or before we have paid, offered to pay, or deposited

use of alcoholic beverages. in court the part of the judgment that is within the

applicable limit of insurance. f. Other Insurance

7. Expenses incurred by the insured for first aid Any "injury" with respect to which other

to at the time of an event to insurance is afforded, or would be afforded

which this insurance applies. but for the exhaustion of the limits of

insurance. These payments not reduce the limits of

insurance. This exclusion does not apply if the other

responds to liability for "injury" SECTION II – WHO IS AN INSURED

on the insured by reason of the 1. If you are designated in the Declarations as:

selling, serving or furnishing of any alcoholic

a. An individual, you and your spouse are beverage.

insureds. g. War

b. A partnership or joint venture, you are an

"Injury", however caused, arising, directly or

insured. Your members, your partners, and

indirectly, out of:

their spouses are also insureds, but only with

(1) War, including undeclared or civil war; respect to the conduct of your business.

Page 2 of 6 © Insurance Services Office, Inc., 2012 CG 00 33 04 13

in hindering or

military

respect "employee"

we incur

an insured defend

insurance. obligation 

time off 

administered others

imposed 

insurance 

will

Travelers Doc Mgmt 202 of 274
COMMERCIAL GENERAL LIABILITY

c. A limited liability company, you are an members (if you are a or

insured. Your members are also insureds, joint venture), or by any of your

but only with respect to the conduct of your members (if you are a limited 

business. Your managers are insureds, but company). only with respect to their duties as your b. Any person or organization having proper

managers. custody of your property if you

d. An other than a partnership, die, but only:

joint venture or limited liability company, you (1) With respect to liability arising out of the

are an insured. Your "executive officers" and maintenance or use of that property; and

directors are insureds, but only with respect

(2) Until your legal representative has been to their duties as your officers or directors. appointed. Your stockholders are also insureds, but only

with respect to their liability as stockholders. c. Your legal representative if you die, but only

with respect to duties as such. That e. A trust, you are an insured. Your trustees are

representative will have all your rights and also insureds, but only with respect to their

duties under this Coverage Part. duties as trustees. 2. Ea 3. Any organization you newly acquire or form, ch of the following is also an insured:

other than a partnership, joint venture or limited

a. Your "employees", other than either your

liability company, and over which you maintain

"executive officers" (if you are an

ownership or majority interest, will qualify as a

organization other than a partnership, joint Named Insured if there is no other similar venture or limited liability company) or your

insurance available to that organization. managers (if you are a limited liability However: company), but only for acts within the scope

of their employment by you or while a. Coverage under this provision is afforded

performing duties related to the conduct of only until the 90th day after you acquire or

your business. However, none of these form the organization or the end of the policy

"employees" is an insured for: period, whichever is earlier; and

(1) "Injury": b. Coverage does not apply to "injury" that

(a) To you, to your partners or members occurred before you acquired or formed the

organization. (if you are a partnership or joint

venture), to your members (if you No person or organization is an insured with respect

are a company), or to to the conduct of any current or past partnership, a co-"employee" while that co- joint venture or limited liability company that is not

"employee" is either in the course of a Named Insured in

his or her employment or performing SECTION III – LIMITS OF INSURANCE

duties related to the conduct of your

business; 1. The Limits of Insurance shown in the

Declarations and the rules below fix the most we

(b) To the spouse, child, parent, brother

of the number of:

or sister of that co-"employee" as a

consequence of Paragraph (a) a. Insureds;

above; or b. Claims made or "suits" brought; or

(c) For which there is any obligation to c. Persons or organizations making claims or

share damages with or repay "suits".

someone else who must pay 2. The Aggregate Limit is the most we will pay for damages because of the injury all "injury" as the result of the selling, serving or described in Paragraph (a) or (b) alcoholic beverages. above. 3. Subject to the Aggregate Limit, the Each (2) "Property damage" to property:

Common Cause is the most we will pay for (a) Owned or occupied by; or all "injury" sustained by one or more persons or

(b) Rented or loaned; organizations as the result of the selling, serving

to that "employee", any of your other of any alcoholic beverage to any

"employees", by any of your partners or one person.

CG 00 33 04 13 © Insurance Services Office, Inc., 2012 Page 3 of 6

partnership 

liability

temporary 

organization

shown as

limited liability

the Declarations.

bringing

or furnishing 

will pay regardless

furnishing of

Limit 

Travelers Doc Mgmt 203 of 274
COMMERCIAL GENERAL LIABILITY

The Limits of Insurance of this Coverage apply any obligation, or incur any expense,

separately to each annual period and to than without our consent. any remaining period of less than 12 months, starting 3. Legal Action Against Us

with the beginning of the policy period shown in the No person or organization has a right under this unless the policy period is extended Coverage Part:

after issuance for an additional period of less than 12

a. To join us as a party or otherwise bring us In that case, the additional period will be

a "suit" asking for damages from an deemed part of the last preceding period for

purposes of Insurance.

b. To sue us on this Coverage Part unless all of SECTION IV – LIQUOR LIABILITY CONDITIONS

its terms have been fully complied with.

1. Bankruptcy A person or organization may sue us to recover

Bankruptcy or insolvency of the insured or of the on an agreed settlement or on a final judgment

insured's estate will not relieve us of our against an but we will not be liable for

obligations under this Coverage Part. damages that are not payable under the terms of

this Coverage Part or that are in excess of the 2. Duties In The Event Of Injury, Claim Or Suit

applicable limit of insurance. An agreed

a. You must see to it that we are notified as settlement means a settlement and release of

soon as practicable of an "injury" which may liability signed by us, the insured and the

result in a claim. To the extent possible, claimant or the representative. notice should include: 4. Other Insurance

(1) How, when and where the "injury" took If other valid and collectible insurance is available place; to the insured for a loss we cover under this

(2) The names and addresses of any injured Coverage Part, our obligations are limited as

persons and witnesses; and follows:

(3) The nature and location of any "injury". a. Primary Insurance

b. If a claim is made or "suit" is brought against This insurance is primary. Our obligations

any insured, you must: are not affected unless any of the other

insurance is also primary. Then, we will (1) Immediately record the specifics of the

share with all that other insurance by the

claim or "suit" and the date received; and

method described in b. below.

(2) Notify us as soon as practicable. b. Method Of Sharing

You must see to it that we receive written

If all of the other insurance permits notice of the claim or "suit" as soon as

contribution by equal shares, we will follow practicable.

this method also. Under this approach each

c. You and any other involved insured must: equal amounts until it has

(1) send us copies of any paid its applicable limit of insurance or none

demands, notices, summonses or legal of the loss comes

papers received in connection with the If any of the other insurance does not permit

claim or "suit"; contribution by equal shares, we will

(2) Authorize us to obtain records and other contribute by limits. Under this method, each

information; share is based on the ratio of its

applicable limit of insurance to the total (3) Cooperate with us in the investigation or applicable limits of insurance of all insurers. settlement of the claim or defense

against the "suit"; and 5.

(4) Assist us, upon our request, in the a. We will compute all premiums for this

enforcement of any right against any Coverage Part in accordance with our rules

person or organization which may be and rates.

liable to the because of "injury" b. Premium shown in this Coverage Part as

to which this insurance may also apply. advance premium is a deposit premium only. d. No insured will, except at that insured's own At the close of each audit period we will

cost, voluntarily make a payment, assume compute the earned premium for that period

Page 4 of 6 © Insurance Services Office, Inc., 2012 CG 00 33 04 13

claimant's legal

Premium Audit

Part other

consecutive for first aid,

Declarations, 

months. 

insured; or

into 

of determining the Limits

insured; 

insurer contributes

insurer's

Immediately

remains, whichever first.

insured 

Travelers Doc Mgmt 204 of 274
COMMERCIAL GENERAL LIABILITY

and send notice to the first Named Insured. 2. "Coverage territory" means:

The due date for audit and retrospective a. The United States of America (including its

premiums is the date shown as the due date territories and possessions), Puerto and

on the bill. If the sum of the advance and Canada; audit premiums paid for the policy period is

b. International waters or airspace, but only if greater than the earned premium, we will

the "injury" occurs in the course of travel or

return the excess to the first Named Insured.

transportation between any places included

c. The first Named Insured must keep records in Paragraph a. above; or

of the information we need for premium

c. All other parts of the world if the "injury" computation, and send us copies at such arises out of:

times as we may request.

(1) Goods or products made or sold by you 6. Representations

in the territory described in Paragraph a.

By accepting this policy, you agree: above; or

a. The statements in the Declarations are (2) The activities of a person whose home is

complete; in the territory described in Paragraph a.

above, but is away for a short time on b. Those statements are based upon

your business; representations you made to us; and

provided the insured's responsibility to pay c. We have issued this policy in upon damages is determined in a "suit" on the

your representations. merits, in the territory described in Paragraph

7. Separation Of Insureds a. above or in a settlement we agree to.

Except with respect to the Limits of Insurance, 3. "Employee" includes a "leased worker".

and any rights or duties specifically assigned in "Employee" does not include a "temporary

this Coverage Part to the first Named Insured, worker".

this insurance applies: 4. "Executive officer" means a person holding any

a. As if each Named Insured were the only of the officer positions created by your charter,

Named Insured; and constitution, bylaws or any other similar

governing document. b. Separately to each insured against whom

claim is made or "suit" is brought. 5. "Injury" means damages because of "bodily

injury" and "property damage", including 8. Transfer Of Rights Of Recovery Against damages for care, loss of services or loss of Others To Us

support.

If the insured has rights to recover all or part of 6. "Leased worker" means a person leased to you

any payment we have made under this Coverage by a labor leasing firm under an agreement Part, those rights are transferred to us. The

between you and the labor leasing firm, to

insured must do nothing after loss to impair

perform duties related to the conduct of your

them. At our request, the insured will bring "suit" business. "Leased worker" does not include a

or transfer those rights to us and help us enforce

"temporary worker". them. 7. "Property damage" means: 9. When We Do Not Renew

a. Physical injury to tangible property, including

If we decide not to renew this Coverage Part, we

all resulting loss of use of that property. All

will mail or deliver to the first Named Insured such loss of use shall be deemed to occur at

shown in the Declarations written notice of the

the time of the physical injury that caused it;

nonrenewal not less than 30 days before the or

expiration date. b. Loss of use of tangible property that is not

If notice is mailed, proof of mailing will be physically injured. All such loss of use shall

sufficient proof of notice. be deemed to occur at the time of the

SECTION V – DEFINITIONS occurrence that caused it.

1. "Bodily injury" means bodily injury, sickness or 8. "Suit" means a civil proceeding in which

disease sustained by a person, including death damages because of "injury" to which this

resulting from any of these at any time. insurance applies are alleged. "Suit" includes:

CG 00 33 04 13 © Insurance Services Office, Inc., 2012 Page 5 of 6

Rico

accurate and 

reliance

Travelers Doc Mgmt 205 of 274
COMMERCIAL GENERAL LIABILITY

a. An arbitration proceeding in which such (b) Others trading under your name; or

damages are claimed and to which the

(c) A person or organization whose

insured must submit or does submit with our business or assets you have

consent; or acquired; and

b. Any other alternative dispute resolution (2) Containers (other than vehicles),

proceeding in which such damages are materials, parts or equipment furnished

claimed and to which the insured submits

in connection with such goods or

with our consent. products. 9. "Temporary worker" means a person who is b. Includes:

furnished to you to substitute for a permanent (1) Warranties or representations made at "employee" on leave or to meet seasonal or

any time with respect to the fitness, short-term workload conditions. quality, durability, performance or use of 10. "Your product": "your product"; and

a. Means: (2) The providing of or failure to provide

(1) Any goods or products, other than real warnings or instructions. property, manufactured, sold, handled, c. Does not include vending machines or other

distributed or disposed of by: property rented to or located for the use of

(a) You; others but not sold.

Page 6 of 6 © Insurance Services Office, Inc., 2012 CG 00 33 04 13

Travelers Doc Mgmt 206 of 274
COMMERCIAL GENERAL LIABILITY

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

LIQUOR LIABILITY AMENDATORY ENDORSEMENT

This endorsement modifies insurance provided under the following:

LIQUOR LIABILITY COVERAGE PART

GENERAL DESCRIPTION OF COVERAGE – This endorsement includes provisions that broaden coverage.

However, coverage for any injury in any of the coverage broadening provisions of this 

may be excluded or limited by another endorsement to this Coverage Part, and any such provisions do not apply

to the extent that coverage is excluded or limited by such an endorsement. The following listing is a general

coverage description only. Read all the provisions of this endorsement and the rest of your policy carefully to

determine rights, duties, and what is and is not covered.

A. Increased Supplementary Payments D. Knowledge And Notice Of Injury

B. Who Is An Insured – Newly Acquired Or Formed E. Unintentional Omission

Organizations F. Meaning Of Other Insurance, Other Insurer And

C. Who Is An Insured – Liability For Conduct Of Insurer

Unnamed Partnerships, Joint Ventures Or Limited G. Amendment Of War Exclusion

Liability Companies

H. Amendment Of Bodily Injury Definition

PROVISIONS b. Coverage does not apply to "injury" that

A. occurred before you acquired or formed INCREASED SUPPLEMENTARY PAYMENTS

the organization. The following replaces Paragraph 3. of

SUPPLEMENTARY PAYMENTS of SECTION I – For the purposes of Paragraph 1. of Section II

LIQUOR LIABILITY COVERAGE: – Who Is An Insured, each such organization

will be deemed to be designated in the 3. All reasonable expenses incurred by the

Declarations as:

insured at our request to us in the

investigation or defense of the claim or "suit", a. An organization, other than a partnership,

including actual loss of earnings up to $500 a

joint venture or limited liability company; day because of time off from work. or

B. WHO IS AN INSURED – NEWLY ACQUIRED b. A trust; OR FORMED ORGANIZATIONS

The following replaces Paragraph 3. of SECTION as indicated in its name or the documents

II – WHO IS AN INSURED: that govern its structure.

3. Any organization you newly acquire or form, C. WHO IS AN INSURED –

other than a partnership, joint venture or CONDUCT OF UNNAMED PARTNERSHIPS,

limited liability company, and of which you are JOINT VENTURES OR LIMITED LIABILITY

the sole owner or in which you maintain an COMPANIES

ownership interest of more than 50%, will

qual The following is added to the last paragraph ofify as a Named Insured if there is no

other similar insurance available to that SECTION II – WHO IS AN INSURED:

organization. However: This paragraph does not apply to any such

a. Coverage under this provision is afforded partnership, joint venture or limited liability

only until the 180th day after you acquire company that otherwise qualifies as an insured

or form the organization or the end of the under Section II – Who Is An Insured.

policy period, whichever is earlier; and

CG D8 24 02 19 © 2017 The Travelers Indemnity Company. All rights reserved. Page 1 of 3

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

described endorsement

assist 

LIABILITY FOR

Travelers Doc Mgmt 207 of 274
COMMERCIAL GENERAL LIABILITY

D. KNOWLEDGE AND NOTICE OF INJURY results in sums to which the insurance

provided by this Coverage Part may apply. The following is added to Paragraph 2., Duties In

The Event Of Injury, Claim Or Suit, of SECTION E. UNINTENTIONAL OMISSION

IV – LIQUOR LIABILITY CONDITIONS: The following is added to Paragraph 6., The following provisions apply to Paragraph a. Representations, of SECTION IV – LIQUOR

above, but only for purposes of the insurance LIABILITY CONDITIONS:

provided under this Coverage Part to you or any The unintentional omission of, or unintentional

insured listed in Paragraph 1. or 2. of Section II – error in, any information provided by you which

Who Is An Insured: we relied upon in issuing this policy will not

(1) Notice to us of such "injury" must be given as prejudice your rights under this insurance. soon as practicable only after the "injury" is However, this provision does not affect our right

known to you (if you are an individual), any of to collect additional premium or to exercise our

your partners or members who is an rights of cancellation or renewal in accordance

individual (if you are a partnership or joint with applicable insurance laws or regulations.

venture), any of your managers who is an F. MEANING OF OTHER INSURANCE, OTHER

individual (if you are a limited liability INSURER AND INSURER

company), any of your "executive officers" or

The following replaces the part of the first directors (if you are an organization other

paragraph of Paragraph 4., Other Insurance, of

than a partnership, joint venture or limited

liability company), any of your trustees who is SECTION IV – LIQUOR LIABILITY

CONDITIONS that precedes Paragraph a.: an individual (if you are a trust) or any

"employee" authorized by you to give notice If valid and collectible other insurance is available

of an "injury". to the insured for a loss we cover under this

Coverage Part, our obligations are limited as

(2) If you are a partnership, joint venture, limited

described in Paragraph a. below: liability company or trust, and none of your

partners, joint venture members, managers or As used anywhere in this Coverage Part, other

trustees are notice to us of such insurance means insurance, or the funding of

"i losses, that is provided by, through or on behalf njury" must be given as soon as practicable

on y a of:l fter the "injury" is known by:

(i) Another insurance company; (a) Any individual who is:

(ii) Us or any of our affiliated insurance (i) A partner or member of any

companies; partnership or joint venture;

(iii) Any risk retention group; or (ii) A manager of any limited liability

company; (iv) Any self-insurance method or program, in

which case the insured will be deemed to be (iii) An executive officer or director of any the provider of other insurance. other organization; or

Other insurance does not include umbrella (iv) A trustee of any trust; insurance, or excess insurance, that was bought

that is your partner, joint venture member, specifically to apply in excess of the Limits of

manager or trustee; or Insurance shown in the Declarations of this

Coverage Part. (b) Any "employee" authorized by such

partnership, joint venture, limited liability As used anywhere in this Coverage Part, other

company, trust or other organization to insurer means a provider of other insurance. As

give notice of an "injury". used in Paragraph b. below, insurer means a

provider of insurance. (3) Notice to us of such "injury" will be deemed to

be given as soon as practicable if it is given in G. AMENDMENT OF WAR EXCLUSION

good faith as soon as practicable to your The following replaces Exclusion g., War, in

workers' compensation insurer. This applies Paragraph 2. of SECTION I – LIQUOR

only if you subsequently give notice to us of LIABILITY COVERAGE:

the "injury" as soon as after any of

g. War the persons described in Paragraphs (1) or

"Injury" arising out of: (2) above discovers that the "injury" may

Page 2 of 3 © 2017 The Travelers Indemnity Company. All rights reserved. CG D8 24 02 19

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

individuals, 

practicable

Travelers Doc Mgmt 208 of 274
COMMERCIAL GENERAL LIABILITY

(1) War, including undeclared or civil war; H. AMENDMENT OF BODILY INJURY DEFINITION

(2) Warlike action by a military force, The following replaces the definition of "bodily

including action in hindering or defending injury" in the DEFINITIONS section:

against an actual or expected attack, by "Bodily injury" means:

any government, sovereign or other

authority using military personnel or other a. Physical harm, including sickness or disease,

agents; or sustained by a person; or

(3) Insurrection, rebellion, revolution, b. Mental anguish, injury or illness, or emotional

usurped power, or action taken by distress, resulting at any time from such

governmental authority in hindering or physical harm, sickness or disease. defending against any of these.

CG D8 24 02 19 © 2017 The Travelers Indemnity Company. All rights reserved. Page 3 of 3

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

Travelers Doc Mgmt 209 of 274
COMMERCIAL GENERAL LIABILITY

POLICY NUMBER: ISSUE DATE:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

ILLINOIS CHANGES – LIQUOR LIABILITY

This endorsement modifies insurance provided under the following:

LIQUOR LIABILITY COVERAGE FORM

SCHEDULE

Limits Of Insurance

Each Person Bodily Injury Limit $

Each Person Property Damage Limit $

Loss Of Means Of Support Or Loss Of Society Limit $

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

as applicable to this endorsement.)

With respect to Illinois locations: for all "bodily injury" sustained by one 

A. The Each Common Cause as the result of the selling, serving or furnish- Limit shown in the

Declaration ing of any alcoholic beverage to any one per- is replaced by the limits shown in the

Schedule above. The Aggregate Limit shown son. in

the Declaration continues to apply. 5. Subject to the Aggregate Limit, the Each PerB. Paragraph 3. of Section III – Limits Of Insur- son Property Damage Limit is the most we

ance is replaced by the following: will pay for all "property damage" sustained

3. Subject by one person or organization as the result of to the Aggregate Limit, the Loss Of

Means Of Support Or Loss Of Society Limit is the selling, serving or furnishing of any alcothe most we will pay for all loss of means of holic beverage to any one person.

support or society claimed by one or more D. Conformity To Statute

persons because of "bodily injury" sustained

by any one provider of such support or society as the result of the selling, serving or fur- as published in the Illinois Administrative Code is

nishing of any alcoholic beverage to any one raised during the policy period, the limits of insurperson. ance provided in the Schedule of this endorseC. The following paragraphs are added to Section III ment are hereby amended to conform to that

– Limits Of Insurance: statute.

4. Subject to the Aggregate Limit, the Each Person Bodily Injury Limit is the most we will pay

CG 31 22 09 02 © ISO Properties, Inc., 2002 Page 1 of 1

If the limitation provided under Section 235.5/6-21

person

Y-630-0K557677-COF-20 01-11-20

68,777.44

68,777.44

84,061.32

Travelers Doc Mgmt 210 of 274
DECLARATIONS PREMIUM SCHEDULE POLICY NUMBER: LIQUOR LIABILITY COVERAGE PART ISSUE DATE:

This Schedule applies to the Declarations for the period of to

It shows all of your known rating classes as of the effective date. Any exceptions will be so noted. This includes

all locations you own, rent or occupy.

LOC/ CLASS PREMIUM

OPN BLDG DESCRIPT/ BASE/ ADVANCE

NO. NO. CODE NO. SUBLINE EXPOSURE RATES PREMIUM

CG T0 11 07 86P PAGE

If an "X" is entered in this box, these Declarations are completed on the Premium Schedule Extension CG T0 12.

Y-630-0K557677-COF-20

01-11-20

01-01-20 01-01-21

 MINIMUM PREMIUMS

 LIQUOR $573

 LOB $250

 28/ 28 RESTAURANTS, TAVERNS, HOTELS, MOTELS, INCLUDING PACKAGE SALES

 033 58161 LIQUOR S 415,000 9.583 3,977

 29/ 29 RESTAURANTS, TAVERNS, HOTELS, MOTELS, INCLUDING PACKAGE SALES

 037 58161 LIQUOR S 679,443 9.583 6,511

 COVERAGE PART TOTAL 10,488

 1 (END)

Travelers Doc Mgmt 211 of 274
MULTIPLE SUBLINE

ENDORSEMENTS

Travelers Doc Mgmt 212 of 274
MULTIPLE SUBLINE

ENDORSEMENTS

Travelers Doc Mgmt 213 of 274
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

ILLINOIS CHANGES – CANCELLATION

AND NONRENEWAL

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

LIQUOR LIABILITY COVERAGE PART

POLLUTION LIABILITY COVERAGE PART

PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART

PRODUCT WITHDRAWAL COVERAGE PART

A. Cancellation (Common Policy Conditions) is substantial part of the underlying risk

replaced by the following: insured; or

Cancellation f. A determination by the Director of

Insurance that the continuation of the 1. The first Named Insured shown in the

m Policy could place us in violation of the ay cancel this Policy by

m insurance laws of this State. ailing to us advance written of

cancellation. 4. Notification of cancellation will also be sent to

your broker, if known, or agent of record, if 2. We may cancel this Policy by mailing to you,

known. at your last mailing address known to us, written notice stating the reason for 5. Notice of cancellation will state the effective

cancellation. Proof of mailing will be sufficient date of cancellation. The policy period will

proof of notice. If we cancel: end on that date.

a. For nonpayment of premium, we will mail 6. If this Policy is cancelled, we will send the first

the notice at least 10 days prior to the Named Insured any premium refund due. If

effective date of cancellation. we cancel, the refund will be pro rata. If the

b first Named Insured cancels, the refund will . For a reason other than nonpayment of

be less than pro rata. The cancellation will be premium, we will mail least:

effective even if we have not offered a refund. (1) 30 days prior to the effective date of

B. The following is added and supersedes any cancellation if the Policy has been in

provision to the contrary: effect for 60 days or less. Nonrenewal (2) 60 days prior to the effective date of

cancellation if the Policy has been in If we not to renew or continue this Policy,

for more than 60 days. we will mail you written notice, stating the reason

for nonrenewal, at least 60 days before the end of 3. If this Policy has been in effect for more than

the policy period. Proof of mailing will be sufficient 60 days, we may cancel only for one or more

proof of notice. of nonrenewal will of the following reasons:

also be sent to your broker, if known, or agent of

a. Nonpayment of premium; record, if known. If we offer to renew or continue

b. The Policy was obtained through a and you do not accept, this Policy will terminate at

material misrepresentation;

the end of the current policy period. Failure to pay

c. Any insured has violated any of the terms the required renewal or continuation premium

and of the Policy; when due shall mean that you have not accepted

our offer. d. The risk originally accepted has

measurably increased; If we fail to mail proper written of

nonrenewal and you obtain other insurance, this e. Certification to the Director of Insurance

Policy will end on the effective date of that of the loss of reinsurance by the insurer

insurance. that provided coverage to us for all or a

CG 02 00 01 18 © Insurance Services Office, Inc., 2017 Page 1 of 1

COMMERCIAL GENERAL LIABILITY

Declarations

notice

the notice at

effect 

decide 

Notification 

conditions 

notice 

Travelers Doc Mgmt 214 of 274
INTERLINE

ENDORSEMENTS

Travelers Doc Mgmt 215 of 274
INTERLINE

ENDORSEMENTS

Travelers Doc Mgmt 216 of 274
IL T3 68 01 15 © 2015 The Travelers Indemnity Company. All rights reserved. Page 1 of 2

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

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

FEDERAL TERRORISM RISK INSURANCE ACT 

DISCLOSURE

This endorsement applies to the insurance provided under the following:

COMMERCIAL EXCESS LIABILITY (UMBRELLA) INSURANCE

COMMERCIAL GENERAL LIABILITY COVERAGE PART

CYBERFIRST ESSENTIALS LIABILITY COVERAGE PART

CYBERFIRST LIABILITY COVERAGE

EMPLOYEE BENEFITS LIABILITY COVERAGE PART

EMPLOYMENT-RELATED PRACTICES LIABILITY COVERAGE PART

EMPLOYMENT PRACTICES LIABILITY+ WITH IDENTITY FRAUD EXPENSE REIMBURSEMENT COVERAGE PART

ENVIRONMENTAL HAZARD POLICY

EXCESS (FOLLOWING FORM) LIABILITY INSURANCE

LAW ENFORCEMENT LIABILITY COVERAGE PART

LIMITED ABOVE GROUND POLLUTION LIABILITY COVERAGE PART

LIQUOR LIABILITY COVERAGE PART

MEDFIRST PRODUCTS/COMPLETED OPERATIONS, ERRORS AND OMISSIONS, AND

INFORMATION SECURITY LIABILITY COVERAGE FORM

OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART

PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART

PUBLIC ENTITY MANAGEMENT LIABILITY COVERAGE PART

RAILROAD PROTECTIVE LIABILITY COVERAGE PART

SPECIAL PROTECTIVE AND HIGHWAY LIABILITY POLICY – NEW YORK DEPARTMENT OF TRANSPORTATION

TRIBAL BUSINESS MANAGEMENT LIABILITY COVERAGE PART

Any other Commercial Liability coverage included in this policy that is subject to the federal Terrorism

Risk Insurance Act of 2002 as amended

PROVISIONS

The federal Terrorism Risk Insurance Act of 2002 as amended ("TRIA") establishes a program under which the 

Federal Government may partially reimburse "Insured Losses" (as defined in TRIA) caused by "Acts Of Terrorism" (as defined in TRIA). Act Of Terrorism is defined in Section 102(1) of TRIA to mean any act that is certified 

by the Secretary of the Treasury – in consultation with the Secretary of Homeland Security and the Attorney General of the United States – to be an act of terrorism; to be a violent act or an act that is dangerous to human life, 

property, or infrastructure; to have resulted in damage within the United States, or outside the United States in 

the case of certain air carriers or vessels or the premises of a United States Mission; and to have been committed 

by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion.

The Federal Government's share of compensation for such Insured Losses is established by TRIA and is a percentage of the amount of such Insured Losses in excess of each Insurer's "Insurer Deductible" (as defined in 

TRIA), subject to the "Program Trigger" (as defined in TRIA). Through 2020, that percentage is established by 

TRIA as follows:

85% with respect to such Insured Losses occurring in calendar year 2015.

84% with respect to such Insured Losses occurring in calendar year 2016.

83% with respect to such Insured Losses occurring in calendar year 2017.

82% with respect to such Insured Losses occurring in calendar year 2018.

81% with respect to such Insured Losses occurring in calendar year 2019.

80% with respect to such Insured Losses occurring in calendar year 2020.

Travelers Doc Mgmt 217 of 274
Page 2 of 2 © 2015 The Travelers Indemnity Company. All rights reserved. IL T3 68 01 15

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

In no event, however, will the Federal Government be required to pay any portion of the amount of such Insured 

Losses occurring in a calendar year that in the aggregate exceeds $100 billion, nor will any Insurer be required to 

pay any portion of such amount provided that such Insurer has met its Insurer Deductible. Therefore, if such Insured Losses occurring in a calendar year exceed $100 billion in the aggregate, the amount of any payments by 

the Federal Government and any coverage provided by this policy for losses caused by Acts Of Terrorism may be 

reduced.

For each coverage provided by this policy that applies to such Insured Losses, the charge for such Insured 

Losses is included in the premium for such coverage. The charge for such Insured Losses that has been included 

for each such coverage is indicated below, and does not include any charge for the portion of such Insured 

Losses covered by the Federal Government under TRIA.

• 1% of each applicable Commercial Liability Coverage premium.

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THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

AMENDMENT OF COMMON POLICY CONDITIONS –

PROHIBITED COVERAGE – UNLICENSED INSURANCE

AND TRADE OR ECONOMIC SANCTIONS

This endorsement modifies insurance provided under the following:

ALL COVERAGES INCLUDED IN THIS POLICY

The following is added to the Common Policy Condi- b. The furnishing of certificates or other evitions: dence of insurance in any country or jurisdicProhibited Coverage – Unlicensed Insurance tion in which we are not licensed to provide

insurance. 1. With respect to loss sustained by any insured, or

Prohibited Coverage – Trade Or Economic Sanc- loss to any property, located in a country or juris- diction in which we are not licensed to provide tions

this insurance, this insurance does not apply to We will provide coverage for any loss, or otherwise

the extent that insuring such loss would violate will provide any benefit, only to the extent that providthe laws or regulations of such country or jurisdicing such coverage or benefit does not expose us or

tion. any of our affiliated or parent companies to:

2. We do not assume responsibility for: 1. Any trade or economic sanction under any law or

a. The payment of any fine, fee, penalty or other regulation of the United States of America; or

charge that may be imposed on any person 2. Any other applicable trade or economic sanction, or organization in any country or jurisdiction

prohibition or restriction. because we are not licensed to provide insurance in such country or jurisdiction; or

IL T4 12 03 15 © 2014 The Travelers Indemnity Company. All rights reserved. Page 1 of 1

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THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM

This endorsement modifies insurance provided under the following:

BOILER AND MACHINERY COVERAGE PART

COMMERCIAL EXCESS LIABILITY (UMBRELLA) INSURANCE

COMMERCIAL GENERAL LIABILITY COVERAGE PART

COMMERCIAL INLAND MARINE COVERAGE PART

COMMERCIAL PROPERTY COVERAGE PART

CYBERFIRST ESSENTIALS LIABILITY COVERAGE PART

CYBERFIRST LIABILITY COVERAGE

DELUXE PROPERTY COVERAGE PART

EMPLOYEE BENEFITS LIABILITY COVERAGE PART

EMPLOYMENT-RELATED PRACTICES LIABILITY COVERAGE PART

EMPLOYMENT PRACT + ICES LIABILITY WITH IDENTITY FRAUD EXPENSE REIMBURSEMENT

COVERAGE PART

ENVIRONMENTAL HAZARD POLICY

EQUIPMENT BREAKDOWN COVERAGE PART

EXCESS (FOLLOWING FORM) LIABILITY INSURANCE

LAW ENFORCEMENT LIABILITY COVERAGE PART

LIMITED ABOVE GROUND POLLUTION LIABILITY COVERAGE PART

LIQUOR LIABILITY COVERAGE PART

MEDFIRST PRODUCTS/COMPLETED OPERATIONS, ERRORS AND OMISSIONS, AND

INFORMATION SECURITY LIABILITY COVERAGE FORM

OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART

PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART

PUBLIC ENTITY MANAGEMENT LIABILITY COVERAGE PART

RAILROAD PROTECTIVE LIABILITY COVERAGE PART

SPECIAL PROTECTIVE AND HIGHWAY LIABILITY POLICY – NEW YORK DEPARTMENT OF

TRANSPORTATION

TRIBAL BUSINESS MANAGEMENT LIABILITY COVERAGE PART

Any other Coverage Part or Coverage Form included in this policy that is subject to the federal Terrorism

RiskInsurance Act of 2002 as amended

The following is added to this policy. This provision "Certified act of terrorism" means an act that is certican limit coverage for any loss arising out of a "certi- fied by the Secretary of the Treasury, in accordance

fied act of terrorism" if such loss is otherwise covered with the provisions of "TRIA", to be an act of terrorism

by this policy. This provision does not apply if and to pursuant to "TRIA". The criteria contained in "TRIA"

for a "certified act of terrorism" include the following:

the extent that coverage for the loss is excluded or

limited by an exclusion or other coverage limitation for 1. The act resulted in insured losses in excess of $5

losses arising out of "certified acts of terrorism" in an- million in the aggregate, attributable to all types of

other endorsement to this policy. insurance subject to "TRIA"; and

If aggregate insured losses attributable to "certified 2. The act is a violent act or an act that is dangerous

acts of to human life, property or infrastructure and is terrorism" exceed $100 billion in a calendar

committed by an individual or individuals as part year and we have met our insurer deductible under

of an effort to coerce the civilian population of the "TRIA", we will not be liable for the payment of any United States or to influence the policy or affect portion of the amount of such losses that exceeds

the conduct of the United States Government by $100 billion, and in such case, insured losses up to coercion. that amount are subject to pro rata allocation in ac-

"TRIA" means the federal Terrorism Risk Insurance cordance with procedures established by the SecreAct of 2002 as amended. tary of the Treasury.

IL T4 14 01 15 © 2015 The Travelers Indemnity Company. All rights reserved. Page 1 of 1

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

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ENDORSEMENT

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

NUCLEAR ENERGY LIABILITY EXCLUSION

(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

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

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". 

"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". 

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

"Waste" means any waste material (a) containing 

"by-product material" other than the tailings or 

wastes produced by the extraction or concentration of uranium or thorium from any ore processed primarily for its "source material" content, 

and (b) resulting from the operation by any person or organization of any "nuclear facility" included under the first two paragraphs of the definition of "nuclear facility". 

"Nuclear facility" means: 

(a) Any "nuclear reactor"; 

(b) Any equipment or device designed or 

used for (1) separating the isotopes of 

uranium or plutonium, (2) processing or 

utilizing "spent fuel", or (3) handling, 

processing or packaging "waste"; 

(c) Any equipment or device used for the 

processing, fabricating or alloying of 

"special nuclear material" if at any time

the total amount of such material in the 

custody of the "insured" at the premises 

where such equipment or device is located consists of or contains more than 

25 grams of plutonium or uranium 233 or 

any combination thereof, or more than 

250 grams of uranium 235; 

(d) Any structure, basin, excavation, premises or place prepared or used for the 

storage or disposal of "waste"; 

and includes the site on which any of the foregoing is located, all operations conducted on such 

site and all premises used for such operations. 

"Nuclear reactor" means any apparatus designed 

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

mass of fissionable material. 

"Property damage" includes all forms of radioactive contamination of property. 

Travelers Doc Mgmt 222 of 274
This endorsement modifies insurance provided under the following:

COMMERCIAL AUTOMOBILE COVERAGE PART

COMMERCIAL GENERAL LIABILITY COVERAGE PART

COMMERCIAL LIABILITY UMBRELLA 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

PRODUCT WITHDRAWAL COVERAGE PART

PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART

UNDERGROUND STORAGE TANK POLICY

IL 01 47 09 11 © Insurance Services Office, Inc., 2011 Page 1 of 1

FARM UMBRELLA LIABILITY POLICY

ILLINOIS CHANGES – CIVIL UNION

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

A. The term "spouse" is replaced by the following: 

Spouse or party to a civil union recognized under 

Illinois law. 

B. Under the Commercial Auto Coverage Part, the 

term "family member" is replaced by the following: 

"Family member" means a person related to the: 

1. Individual Named Insured by blood, adoption, 

marriage or civil union recognized under Illinois law, who is a resident of such Named Insured's household, including a ward or foster 

child; or 

2. Individual named in the Schedule by blood,

adoption, marriage or civil union recognized 

under Illinois law, who is a resident of the individual's household, including a ward or foster child, if the Drive Other Car Coverage – Broadened Coverage For Named Individual 

Endorsement is attached. 

C. With respect to coverage for the ownership, maintenance, or use of "covered autos" provided under the Commercial Liability Umbrella Coverage 

Part, the term "family member" is replaced by the 

following: 

"Family member" means a person related to you 

by blood, adoption, marriage or civil union recognized under Illinois law, who is a resident of your 

household, including a ward or foster child. 

Travelers Doc Mgmt 223 of 274
A.

Insuring Agreements that set forth a duty to defend under: 

1. Section I of the Commercial General Liability, 

Commercial Liability Umbrella, 

Employment-related Practices Liability, Farm, 

Liquor Liability, Owners And Contractors Protective Liability, Pollution Liability, 

Products/Completed Operations Liability, 

Product Withdrawal, Medical Professional Liability, Railroad Protective Liability, Underground Storage Tank Coverage Parts, Auto 

Dealers Coverage Form and the Farm Umbrella Liability Policy; 

2. Section II under the Auto Dealers, Business 

Auto and Motor Carrier Coverage Forms; 

3. Section III under the Auto Dealers and Motor 

Carrier Coverage Forms;

4. Section A. Coverage under the Legal Liability 

Coverage Form; and

5. Coverage C – Mortgageholder's Liability 

under the Mortgageholders Errors And Omissions Coverage Form.

Paragraph B. also applies to any other provision 

in the policy that sets forth a duty to defend.

B. If we initially defend an insured ("insured") or pay 

for an insured's ("insured's") defense but later determine that the claim(s) is (are) not covered 

under this insurance, we will have the right to reimbursement for the defense costs we have incurred.

The right to reimbursement for the defense costs 

under this provision will only apply to defense 

costs we have incurred after we notify you in writing that there may not be coverage, and that we 

are reserving our rights to terminate the defense 

and seek reimbursement for defense costs.

The provisions of Paragraph B. are added to all

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

ILLINOIS CHANGES – DEFENSE COSTS

This endorsement modifies insurance provided under the following:

COMMERCIAL AUTOMOBILE COVERAGE PART

COMMERCIAL GENERAL LIABILITY COVERAGE PART

COMMERCIAL LIABILITY UMBRELLA COVERAGE PART

COMMERCIAL PROPERTY COVERAGE PART – LEGAL LIABILITY COVERAGE FORM

COMMERCIAL PROPERTY COVERAGE PART – MORTGAGEHOLDERS ERRORS AND OMISSIONS 

COVERAGE FORM

EMPLOYMENT-RELATED PRACTICES LIABILITY COVERAGE PART

FARM COVERAGE PART

FARM UMBRELLA LIABILITY POLICY

LIQUOR LIABILITY COVERAGE PART 

MEDICAL PROFESSIONAL LIABILITY COVERAGE PART

OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART 

POLLUTION LIABILITY COVERAGE PART 

PRODUCT WITHDRAWAL COVERAGE PART

PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART 

RAILROAD PROTECTIVE LIABILITY COVERAGE PART

UNDERGROUND STORAGE TANK COVERAGE PART

IL 01 62 10 13 © Insurance Services Office, Inc., 2013 Page 1 of 1

Travelers Doc Mgmt 224 of 274
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

ILLINOIS CHANGES –

CANCELLATION AND NONRENEWAL

This endorsement modifies insurance provided under the following:

DELUXE PROPERTY COVERAGE PART

A. The CANCELLATION Common Policy Conditions cancellation. When cancellation is for – Deluxe is replaced by the following: nonpayment of premium, we will mail written

notice at least 10 days before the effective CANCELLATION

date of cancellation. 1. The first Named Insured shown in the

4. We will mail our notice to you, together with Declarations may cancel this policy by mailing

our reason for cancellation, at your last

to us advance written notice of cancellation. mailing address known to us. Proof of mailing 2. If this policy has been in effect for 60 days or will be sufficient proof of notice.

less, except as provided in Paragraphs 8. and

5. Notification of cancellation will also be sent to 9. below, we may cancel this policy by mailing

your broker, if known, or agent of record, if written notice of cancellation at least:

known, and to the mortgagee or lienholder

a. 10 days before the effective date of

listed on the policy.

cancellation if we cancel for nonpayment 6. Notice of cancellation will state the effective of premium; or

date of The policy period will

b. 60 days before the effective date of end on that date.

cancellation if we cancel for any other

7. If this policy is cancelled, we will send the first reason.

Named Insured any premium refund due. If

3. If this policy has been in effect for more than we cancel, the refund will be pro rata. If the

60 days, except as provided in Paragraphs 8. first Named Insured cancels, the refund may and 9. below, we may cancel this policy only be less than pro rata. The cancellation will be

for one or more of the following reasons: effective even if we have not made or offered

a. Nonpayment of premium; a refund.

b. The policy was obtained through a 8. REAL PROPERTY OTHER THAN

material misrepresentation; RESIDENTIAL PROPERTIES OCCUPIED

BY FOUR FAMILIES OR LESS c. You have violated any of the terms and

conditions of the policy; The following applies only if this policy covers

real property other than residential property d. The risk originally accepted has

occupied by four families or less: measurably increased;

If any one or more of the following conditions e. Certification to the Director of Insurance

exists at any building that is Covered Property of the loss of reinsurance by the insurer

in this policy, we may cancel this policy by which provided coverage to us for all or a

mailing to you written notice of cancellation, substantial part of the underlying risk by both certified and regular mail, if:

insured; or

a. After a fire loss, permanent repairs to the

f. A determination by the Director that the

building have not started within 60 days

continuation of the policy could place us

of satisfactory adjustment of loss, unless in violation of the insurance laws of this the delay is due to a labor dispute or State.

weather conditions.

If we cancel this policy based on one or more

o b. The building has been unoccupied 60 or f the above reasons except for nonpayment

o premi m we w more consecutive days. This does not f u , ill mail written notice at least

apply to: 60 days before the effective date of

IL F0 15 01 18 Includes copyrighted material of Insurance Services Office, Inc. with its permission. Page 1 of 3

cancellation.

Travelers Doc Mgmt 225 of 274
(1) Seasonal unoccupancy; or a. The other; and

(2) Buildings under repair, construction b. The Director of the Illinois Department of

or reconstruction, if properly secured Agriculture (at its Office);

against unauthorized entry. 60 days' written notice of cancellation. c. The building has: B. The following is added:

(1) An outstanding order to vacate; NONRENEWAL

(2) An outstanding demolition order; or 1. If we decide not to renew or continue this

(3) Been declared unsafe in accordance policy, we will mail you written notice, stating

with the law. the reason for nonrenewal. Proof of mailing

will be sufficient proof of notice. d. Heat, water, sewer service or public

lighting have not been connected to the 2. Except as provided in Paragraph 6. below, we

building for 30 consecutive days or more. will mail you notice of nonrenewal at least 60

days before the end of the policy period. The policy will terminate 10 days following

receipt of the written notice by the named 3. If we offer to renew or continue and you do

insured(s). not accept, this policy will terminate at the

end of the current policy period. Failure to pay 9. RESIDENTIAL PROPERTIES

BY FOUR FAMILIES OR LESS

the required renewal or continuation premium

when due shall mean that you have not

The following applies if this policy covers accepted our offer. residential properties occupied by four

4. If we fail to mail proper written notice of

families or less:

nonrenewal and you obtain other insurance,

If this policy has been in effect for 60 days, or

this policy will end on the effective date of that

if this is a renewal policy, we may only cancel

insurance.

this policy for one or more of the following 5. The following provision applies to policies

reasons:

other than those described in Paragraph 6.:

a. Nonpayment of premium; Notification of nonrenewal will also be sent to

b. The policy was obtained by your broker, if known, or agent of record, if

misrepresentation or fraud; or known, and the mortgagee or lienholder listed

c. Any act that measurably increases the on the policy.

risk originally accepted. 6. The following provision applies only if this

If we cancel this policy based on one or more policy covers residential properties occupied

of the above reasons except for nonpayment by four families or less:

of premium, we will mail written notice at least a. If this policy has been issued to you and

30 days before the effective date of in effect with us for five or more years, we

cancellation. When cancellation is for may not fail to renew this policy unless:

nonpayment of premium, we will mail written (1) The policy was obtained by notice at least 10 days before the effective

misrepresentation or fraud and we

date of cancellation. mail you notice of nonrenewal at least

10. For insurance provided under the DELUXE 30 days before the end of the policy PROPERTY COVERAGE PART, the period as provided in 1. above.

following applies:

(2) The risk originally accepted has

GRAIN IN PUBLIC GRAIN WAREHOUSES measurably increased and we mail

(Not applicable to grain owned by the you notice of nonrenewal at least 30

Commodity Credit Corporation) days before the end of the policy

period as provided in 1. above; or The following applies only with respect to

grain in public grain warehouses: (3) You received 60 days' notice of our

The intent not to renew as provided in 1. first Named Insured or we may cancel

above.

this policy at any time by mailing to:

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Springfield

OCCUPIED

Travelers Doc Mgmt 226 of 274
b. If this policy has been issued to you and record, if known, and to the last known

in effect with us for less than five years, mortgagee or lienholder.

we may not fail to renew this policy d. The nonrenewal shall not become

unless you received 30 days' notice as effective until at least 30 days from the

provided in 1. above. proof of mailing date of the notice to you. c. Notification of nonrenewal will also be

sent to your broker, if known, or agent of

IL F0 15 01 18 Includes copyrighted material of Insurance Services Office, Inc. with its permission. Page 3 of 3

Travelers Doc Mgmt 227 of 274
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

ILLINOIS CHANGES

This endorsement modifies insurance provided under the following:

DELUXE PROPERTY COVERAGE PART

A. The following is added to the Legal Action (1) Was made with actual intent to

Against Us Condition: deceive; or

The two year period for legal action against us is (2) Materially affected either our decision

extended by the number of days between the to provide this insurance or the

date the proof of loss is filed with us and the date hazard we assumed. we deny the claim in whole or in part. However, this condition will not serve as a

B. If this policy covers: reason to void this Coverage Part or

Coverage Form after the Coverage Part 1. The following in a. and b., then Paragraphs 2.

or Coverage Form has been in effect for and 3. apply:

one year or one policy term, whichever is

a. Real property used principally for

less. residential purposes up to and including a b. We do not provide coverage under this four family dwelling; or

Coverage Part or Coverage Form to you

b. Household or personal property that is or any other insured ("insured"), who at

usual or incidental to the occupancy of any time subsequent to the issuance of

any premises used for residential this insurance, commit fraud or

purposes.

intentionally conceal or misrepresent a

2. The second paragraph of the Appraisal material fact relating to:

Condition is deleted and replaced by the (1) This Coverage Part or Coverage

following: Form;

a. Each party will pay its own appraiser and (2) The Covered Property; bear the other expenses of the appraisal

(3) Your interest in the Covered and umpire equally, except as provided in

Property; or b. below.

(4) A claim under this Coverage Part or b. We will pay your appraiser's fee and the

Coverage Form. umpire's appraisal fee, if the following

conditions exist: c. Notwithstanding the limitations stated in

3.a. above, we may cancel the Coverage (1) You demanded the appraisal; and

Part or Coverage Form in accordance

(2) The full amount of loss, as set by with the terms of the Cancellation

your appraiser, is agreed to by our Condition. appraiser or by the umpire. C. The Special Exclusion, 4.c.(1)(a), Electronic

3. The Concealment, Misrepresentation Or Data Processing Equipment and Data Fraud Condition is replaced by the following: Processing Data and Media, is deleted and

Concealment, Misrepresentation, Or Fraud replaced by the following:

a. This Coverage Part or Coverage Form is (a) Programming errors or incorrect instructions

void if you or any insured ("insured") to the machine.

commit fraud or conceal or misrepresent D. The Intentional Loss Exclusion is deleted and

a fact in the process leading to the replaced by the following:

issuance of this insurance, and such

1. We will not pay for loss or damage arising out fraud, concealment or misrepresentation

of any act an insured commits or conspires to is stated in the policy or endorsement or

commit with the intent to cause a loss.

in the written application for this policy

and:

IL T9 14 02 17 Page 1 of 2

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Travelers Doc Mgmt 228 of 274
In the event of such loss, no insured is E. The Electrical Damage or Disturbance

entitled to coverage, even insureds who did Exclusion is deleted and replaced by the

not commit or conspire to commit the act following:

causing the loss. We will not pay for loss or damage caused by 2. However, this exclusion will not apply to deny or resulting from artificially generated

payment to an innocent co-insured who did electrical current, including electrical arcing, not cooperate in or contribute to the creation that disturbs electrical devices, appliances or

of the loss if: wires. a. The loss arose out of a pattern of criminal

But if artificially generated electrical current domestic violence; and

results in fire, we will pay for the loss or b. The perpetrator of the loss is criminally damage caused by that fire. prosecuted for the act causing the loss. This Exclusion does not apply to loss or 3. If we pay a claim pursuant to Paragraph D.2., damage to "electronic data processing our payment to the insured is limited to that

equipment" or "electronic data processing insured's insurable interest in the property

data and media". less any payments we first made to a

mortgagee or other party with a legal secured

interest in the property. In no event will we

pay more than the Limit of Insurance.

Page 2 of 2 © 2017 The Travelers Indemnity Company. All rights reserved. IL T9 14 02 17

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

Travelers Doc Mgmt 229 of 274
POLICYHOLDER NOTICES

Travelers Doc Mgmt 230 of 274
POLICYHOLDER NOTICES

Travelers Doc Mgmt 231 of 274
IMPORTANT NOTICE – INDEPENDENT AGENT AND BROKER

COMPENSATION

NO COVERAGE IS PROVIDED BY THIS NOTICE. THIS NOTICE DOES NOT AMEND ANY

PROVISION OF YOUR POLICY. YOU SHOULD REVIEW YOUR ENTIRE POLICY

CAREFULLY FOR COMPLETE INFORMATION ON THE COVERAGES PROVIDED AND TO

DETERMINE YOUR RIGHTS AND DUTIES UNDER YOUR POLICY. PLEASE CONTACT

YOUR AGENT OR BROKER IF YOU HAVE ANY QUESTIONS ABOUT THIS NOTICE OR

ITS CONTENTS. IF THERE IS ANY CONFLICT BETWEEN YOUR POLICY AND THIS

NOTICE, THE PROVISIONS OF YOUR POLICY PREVAIL.

For information about how Travelers compensates independent agents and brokers, please visit

www.travelers.com, call our toll-free telephone number 1-866-904-8348, or request a written copy from Marketing

at One Tower Square, 2GSA, Hartford, CT 06183.

PN T4 54 01 08 Page 1 of 1

Travelers Doc Mgmt 232 of 274
IMPORTANT NOTICE – COMPLAINTS – ILLINOIS

NO COVERAGE IS PROVIDED BY THIS NOTICE. THIS NOTICE DOES NOT AMEND ANY PROVISION OF

YOUR POLICY. YOU SHOULD REVIEW YOUR ENTIRE POLICY CAREFULLY FOR COMPLETE

INFORMATION ON THE COVERAGES PROVIDED AND TO DETERMINE YOUR RIGHTS AND DUTIES

UNDER YOUR POLICY. PLEASE CONTACT YOUR AGENT OR BROKER IF YOU HAVE ANY QUESTIONS

ABOUT THIS NOTICE OR ITS CONTENTS. IF THERE IS ANY CONFLICT BETWEEN YOUR POLICY AND

THIS NOTICE, THE PROVISIONS OF YOUR POLICY PREVAIL.

If you are having problems you may contact your insurance agent directly or you may contact the company at:

Mail: Consumer Affairs

One Tower Square

Hartford, CT 06183

Phone: (860) 277-1561 or

Email: consumeraffairs@travelers.com

The address of the consumer complaint division of the Illinois Department of Insurance is:

Illinois Department of Insurance

Consumer Division

320 W Washington St

Springfield, IL 62767

Complaints may also be filed electronically to the Illinois Department of Insurance at

https://insurance.illinois.gov/applications/ComplaintForms/default.aspx

PN T5 68 07 12 © 2012 The Travelers Indemnity Company. All rights reserved. Page 1 of 1

Travelers Doc Mgmt 233 of 274
IMPORTANT NOTICE – RELIGIOUS FREEDOM PROTECTION AND CIVIL

UNION ACT – ILLINOIS

NO COVERAGE IS PROVIDED BY THIS NOTICE. THIS NOTICE DOES NOT AMEND ANY PROVISION OF

YOUR POLICY. YOU SHOULD REVIEW YOUR ENTIRE POLICY CAREFULLY FOR COMPLETE

INFORMATION ON THE COVERAGES PROVIDED AND TO DETERMINE YOUR RIGHTS AND DUTIES

UNDER YOUR POLICY. PLEASE CONTACT YOUR AGENT OR BROKER IF YOU HAVE ANY QUESTIONS

ABOUT THIS NOTICE OR ITS CONTENTS. IF THERE IS ANY CONFLICT BETWEEN YOUR POLICY AND

THIS NOTICE, THE PROVISIONS OF YOUR POLICY PREVAIL.

The Illinois Religious Freedom Protection and Civil Union Act provides that persons of the same or opposite sex

who enter into a civil union must be afforded the same obligations, protections, and legal rights as married

persons. This law became effective June 1, 2011, and is designed to ensure that civil unions and marriage are

treated identically under Illinois law. In accordance with law, this policy will be interpreted to provide the same

benefits and protections to persons in a civil union or in a marriage.

PN T9 11 03 12 Includes copyrighted material of Insurance Services Office, Inc. with its permission. Page 1 of 1

Travelers Doc Mgmt 234 of 274
PN T0 53 12 13 Page 1 of 1

To Our Valued Customer, 

Each year, homeowners and business owners across the nation sustain 

significant weather-related property damage due to floods. These can 

include losses caused by waves, tidal waters, the overflow of a body of 

water, the rapid accumulation or runoff of surface water, and mudslide. In 

nearly all cases, these flood losses cannot be prevented or even 

anticipated. And, in many instances, the losses are devastating. 

Most standard property insurance policies, including most of our policies, 

do not provide coverage for flood losses. While flood coverage is often 

available – primarily through the National Flood Insurance Program – it is 

rarely purchased. Unfortunately, each year we find that some policyholders 

are surprised and disappointed to learn that damages they have suffered 

as a direct result of flood are not covered under the policies they have 

purchased. 

Please review your insurance coverage with your agent or Company 

representative. As you consider the need for flood insurance, keep in mind 

that floods can, and do, occur in locations all over the country. They are 

not limited to coastal areas or locations with nearby rivers or streams. 

Several inches of rain falling over a short period of time can cause flood 

damage, even in normally dry areas that are not prone to flooding. 

For further information about Flood Insurance, contact your agent or 

company representative, or contact the National Flood Insurance Program 

directly. 

Travelers Doc Mgmt 235 of 274
NOTICE TO POLICYHOLDERS

JURISDICTIONAL INSPECTIONS

Dear Policyholder;

Many states and some cities issue certificates permitting the continued operation of certain equipment such as

boilers, water heaters, pressure vessels, etc. Periodic inspections are normally required to renew these certificates. In most jurisdictions, insurance company employees who have been licensed are authorized to perform

these inspections.

If:

• You 

• We Insure that equipment under this Policy, and

• You would like us to perform the next required inspection;

Then;

Call this toll-free number – 1-800-425-4119

When you call this number, our representative will ask you for the following information:

• Name of your business (as shown on this Policy)

• Policy Number

• Location where the equipment is located. Including Zip Code.

• Person to contact and phone number for scheduling of inspection

• Type of equipment requiring inspection

• Certificate inspection date and certificate number

Or;

Fill in the form on the reverse side of this notice and fax it to the toll-free number indicated on that form.

Please note the following:

• Your jurisdiction may charge you a fee for renewing a certificate. It is your responsibility to pay such a fee.

• All the provisions of the INSPECTIONS AND SURVEYS Condition apply to the inspections described in this

notice.

REMINDER

If new equipment is installed or old equipment replaced that requires a jurisdictional inspection please let us

know by calling our toll-free number listed above.

PN T1 89 06 99 Page 1 of 2

own or operate equipment that requires a certificate from a state or city to operate legally, and

Travelers Doc Mgmt 236 of 274
REQUEST FOR JURISDICTIONAL INSPECTION

Name of

Business:

(As Shown on Policy)

Policy

Number:

Location of Equipment:

City State Zip Code

Person to Contact for Scheduling Inspection:

Telephone Number of Person to Contact:

Equipment Type Certificate Number Certificate Expiration Date

Fax Form to 1-877-764-9535

Completed by: Phone Number:

Page 2 of 2 PN T1 89 06 99

Travelers Doc Mgmt 237 of 274
COUNTERSIGNED BY:

Authorized Representative

DATE:

 CHANGE ENDORSEMENT

 Named Insured:

 SHODEEN GROUP, L.L.C.

 Policy Number: Y-630-0K557677-COF-20

 Policy Effective Date: 01/01/20

 Issue Date: 03/16/20

 Premium $ 0

 INSURING COMPANY:

 THE CHARTER OAK FIRE INSURANCE COMPANY

 Effective from 01/01/20 at the time of day the policy becomes effective.

 THIS INSURANCE IS AMENDED AS FOLLOWS:

 THE COMMERCIAL GENERAL LIABILITY COVERAGE PART IS AMENDED AS FOLLOWS:

 ADDING CG D3 25 01 04 - ADD'L INSURED-MORTGAGEE,ASSIGNEE AS PER ATTACHED.

 THE DELUXE PROPERTY COVERAGE PART IS AMENDED AS FOLLOWS:

 AMENDING DX 00 01 07 94 - MORTGAGE HOLDER SCHEDULE TO ADD THE FOLLOWING

 MORTGAGEE(S) AS PER ATTACHED: (WELLS FARGO BANK, N.A. AS MASTER SERVICER ON

 BEHALF OF DEUTSCHE BANK TRUST COMPANY AMERICAS, AS TRUSTEE FOR THE

 REGISTERED HOLDERS OF RBS COMMERCIAL FUNDING INC., COMMERCIAL MORTGAGE

 PASS-THROUGH CERTIFICATES, SERIES 2014-C19, C/O PRUDENTIAL ASSET RESOURCES

 INC)

 ADDING DX T8 01 - GENERAL PURPOSE ENDORSEMENT AS PER ATTACHED.

 NAME AND ADDRESS OF AGENT OR BROKER:

 A J GALLAGHER RMS (NI026)

 2850 GOLF RD

 ROLLING MEADOWS, IL 60008

 IL T0 07 09 87 PAGE 1 OF 1

 OFFICE: NAPERVILLE IL

CHANGE EFFECTIVE DATE: 01-01-20

CHANGE ENDORSEMENT NUMBER: 0001

Travelers Doc Mgmt 238 of 274
POLICY NUMBER:

EFFECTIVE DATE:

ISSUE DATE:

IL T8 01 10 93

Y-630-0K557677-COF-20

01-01-20

03-16-20

 LISTING OF FORMS, ENDORSEMENTS AND SCHEDULE NUMBERS

 THIS LISTING SHOWS THE NUMBER OF FORMS, SCHEDULES AND ENDORSEMENTS

 BY LINE OF BUSINESS.

 IL T0 07 09 87 CHANGE ENDORSEMENT

 IL T8 01 10 93 FORMS, ENDORSEMENTS AND SCHEDULE NUMBERS

 DELUXE PROPERTY

 DX 00 01 07 94 MORTGAGEE HOLDER SCHEDULE

 DX T8 01 GENERAL PURPOSE ENDORSEMENT

 COMMERCIAL GENERAL LIABILITY

 CG D3 25 01 04 ADDITIONAL INSURED - MORTGAGEE,ASSIGNEE

 PAGE: 1 OF 1

CHANGE EFFECTIVE DATE: 01-01-20

CHANGE ENDORSEMENT NUMBER: 0001

Travelers Doc Mgmt 239 of 274
DELUXE PROPERTY

Travelers Doc Mgmt 240 of 274
DELUXE PROPERTY

Travelers Doc Mgmt 241 of 274
POLICY NUMBER: ISSUE DATE:

MORTGAGE HOLDER SCHEDULE

Premises

Loc. No.

Bldg.

No.

Mortgage Holder

Name and Mailing Address

DX 00 01 07 94

Y-630-0K557677-COF-20 03-16-20

 31 31 STANCORP MORTGAGE INVESTORS LLC

OR ITS ASSIGNS

C/O DRAPER AND KRAMER INC

55 EAST MONROE ST SUITE 3900

CHICAGO IL 60603

 4 4 WELLS FARGO BANK, N.A

(CONTINUED ON DX T8 01)

LOAN#520000173

2100 ROSS AVENUE, SUITE 2500

DALLAS TX 75201

 6 6 WELLS FARGO BANK, N.A

(CONTINUED ON DX T8 01)

LOAN#520000173

2100 ROSS AVENUE, SUITE 2500

DALLAS TX 75201

 7 7 WELLS FARGO BANK, N.A

(CONTINUED ON DX T8 01)

LOAN#520000173

2100 ROSS AVENUE, SUITE 2500

DALLAS TX 75201

 9 9 WELLS FARGO BANK, N.A

(CONTINUED ON DX T8 01)

LOAN#520000173

2100 ROSS AVENUE, SUITE 2500

DALLAS TX 75201

 24 24 WELLS FARGO BANK, N.A

(CONTINUED ON DX T8 01)

LOAN#520000173

2100 ROSS AVENUE, SUITE 2500

DALLAS TX 75201

Travelers Doc Mgmt 242 of 274
DELUXE PROPERTY

POLICY NUMBER: GENERAL PURPOSE ENDORSEMENT

Page

Y-630-0K557677-COF-20

 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY

 MORTGAGE HOLDER SCHEDULE

THIS ENDORSEMENT MODIFIES INSURANCE PROVIDED UNDER THE FOLLOWING:

DELUXE PROPERTY COVERAGE PART

AMENDING FORM DX 00 01, NAME OF MORTGAGE HOLDER CONTINUED:

PREM. BLDG.

NO. NO. NAME

4,6 4,6 WELLS FARGO BANK, N.A. AS MASTER SERVICER ON

7,9 7,9 BEHALF OF DEUTSCHE BANK TRUST COMPANY AMERICAS, AS

24 24 TRUSTEE FOR THE REGISTERED HOLDERS OF RBS COMMERCIAL

 FUNDING INC., COMMERCIAL MORTGAGE PASS-THROUGH

 CERTIFICATES, SERIES 2014-C19, C/O PRUDENTIAL ASSET

 RESOURCES INC,

 LOAN#520000173

 2100 ROSS AVENUE, SUITE 2500,

 DALLAS, TEXAS 75201

DX T8 01 1

Travelers Doc Mgmt 243 of 274
GENERAL LIABILITY

Travelers Doc Mgmt 244 of 274
GENERAL LIABILITY

Travelers Doc Mgmt 245 of 274
COMMERCIAL GENERAL LIABILITY

POLICY NUMBER: ISSUE DATE:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

ADDITIONAL INSURED – MORTGAGEE, ASSIGNEE, SUCCESSOR OR RECEIVER

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE

NAME OF PERSON OR ORGANIZATION:

DESIGNATION OF PREMISES:

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

as applicable to this endorsement).

1. WHO IS AN INSURED (Section II) is amended to include as an insured the person(s) or organization(s)

shown in the Schedule but only with respect to their liability as mortgagee, assignee, successor or receiver

and arising out of the ownership, maintenance, or use of the premises by you and shown in the Schedule.

2. This insurance does not apply to structural alterations, new construction and demolition operations performed

by or for that person or organization.

CG D3 25 01 04 Copyright, The Travelers Indemnity Company, 2004 Page 1 of 1

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

Y-630-0K557677-COF-20 03-16-20

WELLS FARGO BANK, N.A. AS MASTER SERVICER ON BEHALF OF

DEUTSCHE BANK TRUST COMPANY AMERICAS, AS TRUSTEE FOR THE

REGISTERED HOLDERS OF RBS COMMERCIAL FUNDING INC.,

COMMERCIAL MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2014-

C19, C/O PRUDENTIAL ASSET RESOURCES INC,

2100 ROSS AVENUE, SUITE 2500, DALLAS, TEXAS 75201

LOAN#520000173

LOCATION#4 - 77 N FIRST ST, GENEVA, IL 60134

LOCATION#6 - 902 S RANDALL ROAD, ST CHARLES, IL 60174

LOCATION#7 - 870 S RANDALL ROAD, ST CHARLES, IL 60174

LOCATION#9 - 10 W STATE ST, GENEVA, IL 60134

LOCATION#24 - 577 S THIRD ST, GENEVA, IL 60134

Travelers Doc Mgmt 246 of 274
COUNTERSIGNED BY:

Authorized Representative

DATE:

 CHANGE ENDORSEMENT

 Named Insured:

 SHODEEN GROUP, L.L.C.

 Policy Number: Y-630-0K557677-COF-20

 Policy Effective Date: 01/01/20

 Issue Date: 05/04/20

 Premium $ 0

 INSURING COMPANY:

 THE CHARTER OAK FIRE INSURANCE COMPANY

 Effective from 01/01/20 at the time of day the policy becomes effective.

 THIS INSURANCE IS AMENDED AS FOLLOWS:

 THE COMMERCIAL GENERAL LIABILITY COVERAGE PART IS AMENDED AS FOLLOWS:

 AMENDING CG D3 25 01 04 - ADD'L INSURED-MORTGAGEE,ASSIGNEE AS PER ATTACHED.

 THE DELUXE PROPERTY COVERAGE PART IS AMENDED AS FOLLOWS:

 AMENDING DX T3 79 11 12 - LOSS PAYABLE PROVISIONS TO ADD THE FOLLOWING LOSS

 PAYEE(S) AS PER ATTACHED: (WELLS FARGO BANK, N.A.)

 ADDING DX T8 02 - PURPOSE ENDORSEMENT AS PER ATTACHED.

 NAME AND ADDRESS OF AGENT OR BROKER:

 A J GALLAGHER RMS (NI026)

 2850 GOLF RD

 ROLLING MEADOWS, IL 60008

 IL T0 07 09 87 PAGE 1 OF 1

 OFFICE: NAPERVILLE IL

CHANGE EFFECTIVE DATE: 01-01-20

CHANGE ENDORSEMENT NUMBER: 0002

Travelers Doc Mgmt 247 of 274
POLICY NUMBER:

EFFECTIVE DATE:

ISSUE DATE:

IL T8 01 10 93

Y-630-0K557677-COF-20

01-01-20

05-04-20

 LISTING OF FORMS, ENDORSEMENTS AND SCHEDULE NUMBERS

 THIS LISTING SHOWS THE NUMBER OF FORMS, SCHEDULES AND ENDORSEMENTS

 BY LINE OF BUSINESS.

 IL T0 07 09 87 CHANGE ENDORSEMENT

 IL T8 01 10 93 FORMS, ENDORSEMENTS AND SCHEDULE NUMBERS

 DELUXE PROPERTY

 DX T8 02 GENERAL PURPOSE ENDORSEMENT

 DX T3 79 11 12 LOSS PAYABLE PROVISIONS

 COMMERCIAL GENERAL LIABILITY

 CG D3 25 01 04 ADDITIONAL INSURED - MORTGAGEE,ASSIGNEE

 PAGE: 1 OF 1

CHANGE EFFECTIVE DATE: 01-01-20

CHANGE ENDORSEMENT NUMBER: 0002

Travelers Doc Mgmt 248 of 274
DELUXE PROPERTY

Travelers Doc Mgmt 249 of 274
DELUXE PROPERTY

Travelers Doc Mgmt 250 of 274
DELUXE PROPERTY

POLICY NUMBER: GENERAL PURPOSE ENDORSEMENT

Page

Y-630-0K557677-COF-20

 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY

 LOSS PAYABLE PROVISIONS SCHEDULE

THIS ENDORSEMENT MODIFIES INSURANCE PROVIDED UNDER THE FOLLOWING:

DELUXE PROPERTY COVERAGE PART

AMENDING FORM DX T3 79 11 12, NAME OF LOSS PAYEE CONTINUED:

PREM. BLDG.

NO. NO. NAME

013 013 WELLS FARGO BANK, N.A. AS MASTER SERVICER ON BEHALF OF

 DEUTSCHE BANK TRUST COMPANY AMERICAS, AS TRUSTEE FOR

 THE REGISTERED HOLDERS OF RBS COMMERCIAL FUNDING INC.,

 COMMERCIAL MORTGAGE PASS-THROUGH CERTIFICATES, SERIES

 2014-C19, C/O PRUDENTIAL ASSET RESOURCES INC, 2100

 ROSS AVENUE, SUITE 2500, DALLAS, TEXAS 75201

DX T8 02 1

Travelers Doc Mgmt 251 of 274
POLICY NUMBER: ISSUE DATE:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

DELUXE PROPERTY COVERAGE PART AMENDATORY ENDORSEMENT

LOSS PAYABLE PROVISIONS

This endorsement modifies insurance provided under the following:

DELUXE PROPERTY COVERAGE FORM

Nothing in this endorsement increases the applicable ply with terms of this Coverage Part, the

Limit of Insurance. We will not pay any Loss Payee Loss Payee will still have the right to remore than their financial interest in the Covered Prop- ceive loss payment if the Loss Payee:

erty, and we will not pay more than the applicable (1) Pays any premium due under this

Limit of Insurance on the Covered Property. Coverage Part at our request if you

Each of the following Clauses, A, B, C and D, is have failed to do so:

added to the Loss Payment Loss Condition as indi- (2) Submits a signed, sworn proof of loss

cated in the Schedule below. within 60 days after receiving notice

A. LOSS PAYABLE CLAUSE from us of your failure to do so; and

For Covered Property in which both you and a (3) Has notified us of any change in

Loss Payee shown in the Schedule below have ownership, occupancy or 

an insurable interest, we will: change in risk known to the 

Payee. 1. Adjust losses with you; and

All of the terms of this Coverage Part will 2. Pay any claim for loss or damage jointly to

then apply directly to the Loss Payee. you and the Loss Payee, as interests may

appear. d. If we pay the Loss Payee for any loss or

B. damage and deny payment to you be- LENDER'S LOSS PAYABLE CLAUSE

cause of your acts or because you have 1. The Loss Payee shown in the Schedule be- failed to comply with the terms of this

low is a creditor, including a mortgageholder Coverage Part:

or trustee, whose interest in Covered Prop- (1) The Loss Payee's rights will be trans- erty is established by such written instruferred to us to the extent of the ments as:

amount we pay; and

a. Warehouse receipts: (2) The Loss Payee's rights to recover

b. A contract for deed: the full amount of the Loss 

c. Bills of lading: claim will not be impaired.

d. Financing statements; or

Payee the whole principal on the debt e. Mortgages, deeds of trust, or security plus any accrued interest. In this agreements. event, you will pay your remaining 2. For Covered Property in which both you and debt to us.

a Loss Payee have an insurable interest: At our option, we may pay to the 

a. Payee the whole principal on the debt

each Loss Payee in their order or prece- plus any accrued interest. In this event,

dence, as interest may appear. you will pay your remaining debt to us.

b. The Loss Payee has the right to receive 3. If we cancel this policy, we will give written

loss payment even if the Loss Payee notice to the Loss Payee at least: started foreclosure or similar action on

a. 10 days before the effective date of can- the Covered Property. cellation if we cancel for your nonc. If we deny your claim because of your payment of premium; or

acts or because you have failed to comDX T3 79 11 12 © 2011 The Travelers Indemnity Company. All rights reserved. Page 1 of 2

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

We will pay for covered loss or damage to

has

Payee's

Loss

substantial

Loss

At our option, we may pay to the Loss

Y-630-0K557677-COF-20 05-04-20

Travelers Doc Mgmt 252 of 274
b. 30 days before the effective date of can- 3. The following is added to the Other Insurance

cellation if we cancel for any other rea- Condition:

son. For Covered Property that is the subject of a

4. If we elect not to renew this policy, we will contract of sale, the word "you" includes the

give written notice to the Loss Payee at least Loss Payee.

10 days before the expiration date of this pol- D. BUILDING OWNER LOSS PAYABLE CLAUSE icy.

C. CONTRACT OF SALE CLAUSE 1. The Loss Payee shown in the Schedule below is the owner of the described building, in 1. The Loss Payee shown in the Schedule be- which you are a tenant.

low is a person or organization you have en2. tered into a contract with for the sale of Covered Property. with the Loss Payee. Any loss payment made

to the Loss Payee will satisfy your claims 2. For Covered Property in which both you against us for the owner's property. the Loss Payee have an insurable interest,

we will: 3. We will adjust losses to tenants' improvements and betterments with you, unless the a. Adjust losses with you; and

lease provides otherwise. b. Pay any claim for loss or damage jointly

to you and the Loss Payee, as interest

may appear.

SCHEDULE

Premises Location Number: Building Number: Applicable Clause

(Indicate A, B, C or D):

Description of Property:

Loss Payee Name:

Loss Payee Address:

Page 2 of 2 © 2011 The Travelers Indemnity Company. All rights reserved. DX T3 79 11 12

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

We will adjust losses to the described building

and

SEE DX T8 93 03 99

Travelers Doc Mgmt 253 of 274
COMMERCIAL PROPERTY

POLICY NUMBER: ISSUE DATE:

LOSS PAYABLE PROVISIONS SCHEDULE

Loss Payee (Name & Address)

Prem. Bldg. Provisions

No. No. Description of Property Applicable

DX T8 93 03 99

Y-630-0K557677-COF-20 05-04-20

THE STATE BANK OF GENEVA

22 S 4TH ST

GENEVA IL 60134

 35 35 BUILDING AND YOUR BUSINESS PERSONAL Lenders

PROPERTY Loss Payable

Travelers Doc Mgmt 254 of 274
COMMERCIAL PROPERTY

POLICY NUMBER: ISSUE DATE:

LOSS PAYABLE PROVISIONS SCHEDULE

Loss Payee (Name & Address)

Prem. Bldg. Provisions

No. No. Description of Property Applicable

DX T8 93 03 99

Y-630-0K557677-COF-20 05-04-20

SYMETRA LIFE INSURANCE COMPANY,

ISAOA/ATIMA

C/O DRAPER AND KRAMER, INC.

55 EAST MONROE STREET, STE. 3900

CHICAGO IL 60603

 29 29 LOAN# 9000090008-SPLM2201 Lenders

Loss Payable

Travelers Doc Mgmt 255 of 274
COMMERCIAL PROPERTY

POLICY NUMBER: ISSUE DATE:

LOSS PAYABLE PROVISIONS SCHEDULE

Loss Payee (Name & Address)

Prem. Bldg. Provisions

No. No. Description of Property Applicable

DX T8 93 03 99

Y-630-0K557677-COF-20 05-04-20

STANCORP MORTGAGE INVESTORS LLC

OR ITS ASSIGNS

C/O DRAPER AND KRAMER INC

55 EAST MONROE ST SUITE 3900

CHICAGO IL 60603

 31 31 LOAN#A9071401-7500075048 Lenders

Loss Payable

Travelers Doc Mgmt 256 of 274
COMMERCIAL PROPERTY

POLICY NUMBER: ISSUE DATE:

LOSS PAYABLE PROVISIONS SCHEDULE

Loss Payee (Name & Address)

Prem. Bldg. Provisions

No. No. Description of Property Applicable

DX T8 93 03 99

Y-630-0K557677-COF-20 05-04-20

WELLS FARGO BANK, N.A. AS MASTER

(CONTINUED ON DX T8 02)

2100 ROSS AVENUE, SUITE 2500

DALLAS TX 75201

 13 13 LOAN #520000307 Lenders

Loss Payable

Travelers Doc Mgmt 257 of 274
GENERAL LIABILITY

Travelers Doc Mgmt 258 of 274
GENERAL LIABILITY

Travelers Doc Mgmt 259 of 274
COMMERCIAL GENERAL LIABILITY

POLICY NUMBER: ISSUE DATE:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

ADDITIONAL INSURED – MORTGAGEE, ASSIGNEE, SUCCESSOR OR RECEIVER

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE

NAME OF PERSON OR ORGANIZATION:

DESIGNATION OF PREMISES:

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

as applicable to this endorsement).

1. WHO IS AN INSURED (Section II) is amended to include as an insured the person(s) or organization(s)

shown in the Schedule but only with respect to their liability as mortgagee, assignee, successor or receiver

and arising out of the ownership, maintenance, or use of the premises by you and shown in the Schedule.

2. This insurance does not apply to structural alterations, new construction and demolition operations performed

by or for that person or organization.

CG D3 25 01 04 Copyright, The Travelers Indemnity Company, 2004 Page 1 of 1

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

Y-630-0K557677-COF-20 05-04-20

WELLS FARGO BANK, N.A. AS MASTER SERVICER ON BEHALF OF

DEUTSCHE BANK TRUST COMPANY AMERICAS, AS TRUSTEE FOR THE

REGISTERED HOLDERS OF RBS COMMERCIAL FUNDING INC.,

COMMERCIAL MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2014-

C19, C/O PRUDENTIAL ASSET RESOURCES INC,

2100 ROSS AVENUE, SUITE 2500, DALLAS, TEXAS 75201

LOAN#520000173

LOCATION#4 - 77 N FIRST ST, GENEVA, IL 60134

LOCATION#6 - 902 S RANDALL ROAD, ST CHARLES, IL 60174

LOCATION#7 - 870 S RANDALL ROAD, ST CHARLES, IL 60174

LOCATION#9 - 10 W STATE ST, GENEVA, IL 60134

LOCATION#24 - 577 S THIRD ST, GENEVA, IL 60134

Travelers Doc Mgmt 260 of 274
COMMERCIAL GENERAL LIABILITY

POLICY NUMBER: ISSUE DATE:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

ADDITIONAL INSURED – MORTGAGEE, ASSIGNEE, SUCCESSOR OR RECEIVER

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE

NAME OF PERSON OR ORGANIZATION:

DESIGNATION OF PREMISES:

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

as applicable to this endorsement).

1. WHO IS AN INSURED (Section II) is amended to include as an insured the person(s) or organization(s)

shown in the Schedule but only with respect to their liability as mortgagee, assignee, successor or receiver

and arising out of the ownership, maintenance, or use of the premises by you and shown in the Schedule.

2. This insurance does not apply to structural alterations, new construction and demolition operations performed

by or for that person or organization.

CG D3 25 01 04 Copyright, The Travelers Indemnity Company, 2004 Page 1 of 1

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

Y-630-0K557677-COF-20 05-04-20

WELLS FARGO BANK, N.A. AS MASTER SERVICER ON BEHALF OF

DEUTSCHE BANK TRUST COMPANY AMERICAS, AS

TRUSTEE FOR THE REGISTERED HOLDERS OF RBS COMMERCIAL FUNDING

INC., COMMERCIAL MORTGAGE PASS-THROUGH CERTIFICATES, SERIES

2014-C19, C/O PRUDENTIAL ASSET

RESOURCES INC, 2100 ROSS AVENUE, SUITE 2500, DALLAS, TEXAS

75201 - LOAN#520000307

LOCATION#13 - 2039-2067 LINCOLN HIGHWAY, GENEVA, IL 60134

Travelers Doc Mgmt 261 of 274
COUNTERSIGNED BY:

Authorized Representative

DATE:

 CHANGE ENDORSEMENT

 Named Insured:

 SHODEEN GROUP, L.L.C.

 Policy Number: Y-630-0K557677-COF-20

 Policy Effective Date: 01/01/20

 Issue Date: 06/13/20

 Premium $ 0

 INSURING COMPANY:

 THE CHARTER OAK FIRE INSURANCE COMPANY

 Effective from 01/01/20 at the time of day the policy becomes effective.

 THIS INSURANCE IS AMENDED AS FOLLOWS:

 THE ACTUAL EFFECTIVE DATE OF THIS ENDORSEMENT IS 06/11/2020.

 THE DELUXE PROPERTY COVERAGE PART IS AMENDED AS FOLLOWS:

 AMENDING DX T3 79 11 12 - LOSS PAYABLE PROVISIONS TO ADD THE FOLLOWING LOSS

 PAYEE(S) AS PER ATTACHED: (ASCENTIUM CAPITAL LLC ISAOA)

 NAME AND ADDRESS OF AGENT OR BROKER:

 A J GALLAGHER RMS (NI026)

 2850 GOLF RD

 ROLLING MEADOWS, IL 60008

 IL T0 07 09 87 PAGE 1 OF 1

 OFFICE: NAPERVILLE IL

CHANGE EFFECTIVE DATE: 01-01-20

CHANGE ENDORSEMENT NUMBER: 0003

Travelers Doc Mgmt 262 of 274
POLICY NUMBER: ISSUE DATE:

Dear Valued Policyholder:

We are excited to inform you about changes to the structure of your commercial general liability (CGL)

insurance. We are implementing a new proprietary CGL Coverage Form that will update and further simplify our

approach to that coverage. Our new CGL coverage form is more closely aligned with ISO's current CGL

coverage form, and it includes numerous provisions contained in our proprietary mandatory

TM

endorsements and several coverage enhancements that have been provided in our commonly used XTEND

endorsements. In addition, we have updated many of our CGL endorsements for readability and

consistency across our portfolio of policy forms. To complement these CGL policy form changes, we are also transitioning our Liquor Liability (LL) coverage to

ISO's current LL coverage form, modified by a proprietary Liquor Liability Amendatory Endorsement. This

transition will improve consistency and coordination of CGL and LL coverages. Your new Travelers CGL policy will contain coverage terms and conditions substantially similar to those in your

expiring Travelers CGL policy. Also, in order to make this transition to our new proprietary policy forms as easy

as possible for you, we will adjust any claims for CGL coverage under your new policy based upon the terms

and conditions of either your expiring policy or your new policy, whichever are broader. Likewise, if your

expiring policy includes LL coverage and you are renewing that coverage with us, we will adjust any claims for

LL coverage under your new policy based upon the terms and conditions of either your expiring policy or your

new policy, whichever are broader. However, this approach to adjustment of claims for CGL and LL coverage

is subject to the following exceptions:

• Any differences in the insured locations or insurance schedules, or the identity of named insureds or

additional insureds.

• Any in coverage that have been requ ested by you or your agent or br oker or to which you or your

agent or broker have agreed during renewal negotiations, or any exposures you have elected to insure

elsewhere.

• in the amount of the limits of insurance shown in any Declarations or endorsement for your

new policy from the amount shown for substantially similar coverage in any Declarations or endorsement for

• Any increase in the amount of any deductible, self-insured retention, retrospective loss limitation, or

coinsurance obligation shown in any Declarations or endorsement for your new policy from the amount

shown for substantially similar coverage in any Declarations or endorsement for your expiring policy, or any

change from a loss-sensitive to guaranteed-cost rating plan or vice versa.

• Any other exceptions shown below.

PN U3 20 04 19 Page 1 of 2

improved 

previously 

reductions

Any reduction 

your expiring policy.

© 2019 The Travelers Indemnity Company. All rights reserved.

Please review your expiring and new Travelers policies carefully, retain your expiring policy, and contact your 

agent or broker if you have any questions about this letter. We appreciate your business and thank you for 

choosing to insure with us. 

We will apply this approach to claims adjusted under your first new Travelers policy. Any claim adjusted under 

a subsequent Travelers policy will be adjusted based only upon the terms and conditions of that policy. 

Y-630-0K557677-COF-20 06-13-20

CHANGE EFFECTIVE DATE: 01-01-20

CHANGE ENDORSEMENT NUMBER: 0003

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Page 2 of 2 © 2019 The Travelers Indemnity Company. All rights reserved. PN U3 20 04 19

CHANGE EFFECTIVE DATE: 01-01-20

CHANGE ENDORSEMENT NUMBER: 0003

Travelers Doc Mgmt 264 of 274
POLICY NUMBER:

EFFECTIVE DATE:

ISSUE DATE:

IL T8 01 10 93

Y-630-0K557677-COF-20

01-01-20

06-13-20

 LISTING OF FORMS, ENDORSEMENTS AND SCHEDULE NUMBERS

 THIS LISTING SHOWS THE NUMBER OF FORMS, SCHEDULES AND ENDORSEMENTS

 BY LINE OF BUSINESS.

 IL T0 07 09 87 CHANGE ENDORSEMENT

 IL T8 01 10 93 FORMS, ENDORSEMENTS AND SCHEDULE NUMBERS

 PN U3 20 04 19 LIBERALIZATION LETTER-GL PRODUCT MODERN

 DELUXE PROPERTY

 DX T3 79 11 12 LOSS PAYABLE PROVISIONS

 PAGE: 1 OF 1

CHANGE EFFECTIVE DATE: 01-01-20

CHANGE ENDORSEMENT NUMBER: 0003

Travelers Doc Mgmt 265 of 274
DELUXE PROPERTY

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DELUXE PROPERTY

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POLICY NUMBER: ISSUE DATE:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

DELUXE PROPERTY COVERAGE PART AMENDATORY ENDORSEMENT

LOSS PAYABLE PROVISIONS

This endorsement modifies insurance provided under the following:

DELUXE PROPERTY COVERAGE FORM

Nothing in this endorsement increases the applicable ply with terms of this Coverage Part, the

Limit of Insurance. We will not pay any Loss Payee Loss Payee will still have the right to remore than their financial interest in the Covered Prop- ceive loss payment if the Loss Payee:

erty, and we will not pay more than the applicable (1) Pays any premium due under this

Limit of Insurance on the Covered Property. Coverage Part at our request if you

Each of the following Clauses, A, B, C and D, is have failed to do so:

added to the Loss Payment Loss Condition as indi- (2) Submits a signed, sworn proof of loss

cated in the Schedule below. within 60 days after receiving notice

A. LOSS PAYABLE CLAUSE from us of your failure to do so; and

For Covered Property in which both you and a (3) Has notified us of any change in

Loss Payee shown in the Schedule below have ownership, occupancy or 

an insurable interest, we will: change in risk known to the 

Payee. 1. Adjust losses with you; and

All of the terms of this Coverage Part will 2. Pay any claim for loss or damage jointly to

then apply directly to the Loss Payee. you and the Loss Payee, as interests may

appear. d. If we pay the Loss Payee for any loss or

damage and deny payment to you be- B. LENDER'S LOSS PAYABLE CLAUSE

cause of your acts or because you have

1. The Loss Payee shown in the Schedule be- failed to comply with the terms of this

low is a creditor, including a mortgageholder Coverage Part:

or trustee, whose interest in Covered Prop- (1) The Loss Payee's rights will be trans- erty is established by such written instruferred to us to the extent of the ments as:

amount we pay; and

a. Warehouse receipts: (2) The Loss Payee's rights to recover

b. A contract for deed: the full amount of the Loss 

c. Bills of lading: claim will not be impaired.

d. Financing statements; or

Payee the whole principal on the debt e. Mortgages, deeds of trust, or security plus any accrued interest. In this agreements. event, you will pay your remaining 2. For Covered Property in which both you and debt to us.

a Loss Payee have an insurable interest: At our option, we may pay to the 

a. Payee the whole principal on the debt

each Loss Payee in their order or prece- plus any accrued interest. In this event,

dence, as interest may appear. you will pay your remaining debt to us.

b. The Loss Payee has the right to receive 3. If we cancel this policy, we will give written

loss payment even if the Loss Payee notice to the Loss Payee at least: started foreclosure or similar action on

a. 10 days before the effective date of can- the Covered Property. cellation if we cancel for your nonc. If we deny your claim because of your payment of premium; or

acts or because you have failed to comDX T3 79 11 12 © 2011 The Travelers Indemnity Company. All rights reserved. Page 1 of 2

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

We will pay for covered loss or damage to

has

Payee's

Loss

substantial

Loss

At our option, we may pay to the Loss

Y-630-0K557677-COF-20 06-13-20

Travelers Doc Mgmt 268 of 274
b. 30 days before the effective date of can- 3. The following is added to the Other Insurance

cellation if we cancel for any other rea- Condition:

son. For Covered Property that is the subject of a

4. If we elect not to renew this policy, we will contract of sale, the word "you" includes the

give written notice to the Loss Payee at least Loss Payee.

10 days before the expiration date of this pol- D. BUILDING OWNER LOSS PAYABLE CLAUSE icy.

1. The Loss Payee shown in the Schedule be- C. CONTRACT OF SALE CLAUSE

low is the owner of the described building, in

1. The Loss Payee shown in the Schedule be- which you are a tenant. low is a person or organization you have en2. tered into a contract with for the sale of Covered Property. with the Loss Payee. Any loss payment made

to the Loss Payee will satisfy your claims 2. For Covered Property in which both you against us for the owner's prop erty. the Loss Payee have an insurable interest,

we will: 3. We will adjust losses to tenants' improvements and betterments with you, unless the a. Adjust losses with you; and

lease provides otherwis e.

b. Pay any claim for loss or damage jointly

to you and the Loss Payee, as interest

may appear.

SCHEDULE

Premises Location Number: Building Number: Applicable Clause

(Indicate A, B, C or D):

Description of Property:

Loss Payee Name:

Loss Payee Address:

Page 2 of 2 © 2011 The Travelers Indemnity Company. All rights reserved. DX T3 79 11 12

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

We will adjust losses to the described building

and

SEE DX T8 93 03 99

Travelers Doc Mgmt 269 of 274
COMMERCIAL PROPERTY

POLICY NUMBER: ISSUE DATE:

LOSS PAYABLE PROVISIONS SCHEDULE

Loss Payee (Name & Address)

Prem. Bldg. Provisions

No. No. Description of Property Applicable

DX T8 93 03 99

Y-630-0K557677-COF-20 06-13-20

THE STATE BANK OF GENEVA

22 S 4TH ST

GENEVA IL 60134

 35 35 BUILDING AND YOUR BUSINESS PERSONAL Lenders

PROPERTY Loss Payable

Travelers Doc Mgmt 270 of 274
COMMERCIAL PROPERTY

POLICY NUMBER: ISSUE DATE:

LOSS PAYABLE PROVISIONS SCHEDULE

Loss Payee (Name & Address)

Prem. Bldg. Provisions

No. No. Description of Property Applicable

DX T8 93 03 99

Y-630-0K557677-COF-20 06-13-20

SYMETRA LIFE INSURANCE COMPANY,

ISAOA/ATIMA

C/O DRAPER AND KRAMER, INC.

55 EAST MONROE STREET, STE. 3900

CHICAGO IL 60603

 29 29 LOAN# 9000090008-SPLM2201 Lenders

Loss Payable

Travelers Doc Mgmt 271 of 274
COMMERCIAL PROPERTY

POLICY NUMBER: ISSUE DATE:

LOSS PAYABLE PROVISIONS SCHEDULE

Loss Payee (Name & Address)

Prem. Bldg. Provisions

No. No. Description of Property Applicable

DX T8 93 03 99

Y-630-0K557677-COF-20 06-13-20

STANCORP MORTGAGE INVESTORS LLC

OR ITS ASSIGNS

C/O DRAPER AND KRAMER INC

55 EAST MONROE ST SUITE 3900

CHICAGO IL 60603

 31 31 LOAN#A9071401-7500075048 Lenders

Loss Payable

Travelers Doc Mgmt 272 of 274
COMMERCIAL PROPERTY

POLICY NUMBER: ISSUE DATE:

LOSS PAYABLE PROVISIONS SCHEDULE

Loss Payee (Name & Address)

Prem. Bldg. Provisions

No. No. Description of Property Applicable

DX T8 93 03 99

Y-630-0K557677-COF-20 06-13-20

WELLS FARGO BANK, N.A. AS MASTER

(CONTINUED ON DX T8 02)

2100 ROSS AVENUE, SUITE 2500

DALLAS TX 75201

 13 13 LOAN #520000307 Lenders

Loss Payable

Travelers Doc Mgmt 273 of 274
COMMERCIAL PROPERTY

POLICY NUMBER: ISSUE DATE:

LOSS PAYABLE PROVISIONS SCHEDULE

Loss Payee (Name & Address)

Prem. Bldg. Provisions

No. No. Description of Property Applicable

DX T8 93 03 99

Y-630-0K557677-COF-20 06-13-20

ASCENTIUM CAPITAL LLC ISAOA

P O BOX 979059

MIAMI FL 33197-9059

 29 29 RE: 38 CHANNEL HIGH DEFINITION HEADEND - Lenders

38 HD HE DIGITAL RECEPTION SYSTEM. (1- Loss Payable

2) COMMERCIAL DISHES. 2-CH HD RECEIVER

BLADES, 3-CH SD RECEIVER BLADES, SWIM

Travelers Doc Mgmt 274 of 274