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15-013.00 EcoNorthwest I -o 13 AGREEMENT FOR PROFESSIONAL SERVICES THIS AGREEMENT is made by and between the City of Spokane Valley,a code City of the State of Washington,hereinafter"City"and ECONorthwest,hereinafter"Consultant,"jointly referred to as "Parties." IN CONSIDERATION of the terms and conditions contained herein,the Parties agree as follows: 1.Work to Be Performed. Consultant shall provide all labor,services and material to satisfactorily complete the attached Scope of Services. A. Administration. The City Manager or designee shall administer and be the primary contact for Consultant. Prior to commencement of work,Consultant shall contact the City Manager or designee to review the Scope of Services,schedule and date of completion. The Scope of Services is attached hereto as Exhibit 1. Upon notice from the City Manager or designee, Consultant shall commence work,perform the requested tasks in the Scope of Services,stop work and promptly cure any failure in performance under this Agreement. B. Representations. City has relied upon the qualifications of Consultant in entering into this Agreement. By execution of this Agreement,Consultant represents it possesses the ability,skill and resources necessary to perform the work and is familiar with all current laws,rules and regulations which reasonably relate to the Scope of Services. No substitutions of agreed-upon personnel shall be made without the prior written consent of City. Consultant represents that the compensation as stated in paragraph 3 is adequate and sufficient compensation for its timely provision of all professional services required to complete the Scope of Services under this Agreement. Consultant shall be responsible for the technical accuracy of its services and documents resulting therefrom, and City shall not be responsible for discovering deficiencies therein. Consultant shall correct such deficiencies without additional compensation except to the extent such action is directly attributable to deficiencies in City furnished information. C.Standard of Care. Consultant shall exercise the degree of skill and diligence normally employed by professional consultants engaged in the same profession,and performing the same or similar services at the time such services are performed. D. Modifications. City may modify this Agreement and order changes in the work whenever necessary or advisable. Consultant will accept modifications when ordered in writing by the City Manager or designee. Compensation for such modifications or changes shall be as mutually agreed between the Parties. Consultant shall make such revisions in the work as are necessary to correct errors or omissions appearing therein when required to do so by City without additional compensation. 2. Term of Contract. This Agreement shall be in full force and effect upon execution and shall remain in effect until completion of all contractual requirements have been met as determined by City. Consultant shall complete its work by December 31,2015,unless the time for performance is extended in writing by the Parties. Either Party may terminate this Agreement for material breach after providing the other Party with at least ten days'prior notice and an opportunity to cure the breach. City may,in addition,terminate this Agreement for any reason by ten days'written notice to Consultant. In the event of termination without breach,City shall pay Agreement for Professional Services Page 1 of 6 Consultant for all work previously authorized and satisfactorily performed prior to the termination date. 3. Compensation. Fees for services, as described in the attached Scope of Services,are based on time and materials for approved projects. City agrees to pay Consultant for services pursuant to the fee schedule attached as Exhibit 1,as it may be modified from time to time with the approval of the City,up to a total of not to exceed$15,000. 4. Payment. Consultant shall be paid monthly upon presentation of an invoice to City. Applications for payment shall be sent to the City Finance Department at the below stated address. City reserves the right to withhold payment under this Agreement which is determined in the reasonable judgment of the City Manager or designee to be noncompliant with the Scope of Services,City standards,City Code, and federal or state standards. 5. Notice. Notices other than applications for payment shall be given in writing as follows: TO THE CITY: TO THE CONSULTANT: Name: Christine Bainbridge,City Clerk Name:ECONorthwest Phone:(509)921-1000 Phone: 503-222-6060 Address: 11707 East Sprague Ave, Suite 106 Address:222 SW Columbia Street Spokane Valley,WA 99206 Suite 1600,Portland OR 97201 6.Applicable Laws and Standards. The Parties,in the performance of this Agreement,agree to comply with all applicable federal,state,and local laws and regulations. Consultant warrants that its designs,construction documents,and services shall confirm to all federal, state and local statutes and regulations. 7. Certification Regarding Debarment, Suspension, and Other Responsibility Matters — Primary Covered Transactions. A.By executing this Agreement,the Consultant certifies to the best of its knowledge and belief,that it and its principals: 1. Are not presently debarred, suspended, proposed for debarment, declared ineligible, or voluntarily excluded from covered transactions by any federal department or agency; 2. Have not within a three-year period preceding this proposal been convicted of or had a civil judgment rendered against them for commission or fraud or a criminal offense in connection with obtaining, attempting to obtain, or performing a public (federal, state, or local)transaction or contract under a public transaction;violation of federal or state antitrust statues or commission of embezzlement,theft,forgery,bribery,falsification or destruction of records,making false statements,or receiving stolen property; 3. Are not presently indicted for or otherwise criminally or civilly charged by a governmental entity (federal, state, or local) with commission of any of the offenses enumerated in paragraph(A)(2)of this certification; and 4. Have not within a three-year period preceding this application/proposal had one or more public transactions(federal, state,or local)terminated for cause or default. B. Where the prospective primary participant is unable to certify to any of the statements in this Agreement for Professional Services Page 2 of 6 certification,such prospective participant shall attach an explanation to this Agreement. 8.Relationship of the Parties. It is understood,agreed and declared that Consultant shall be an independent contractor,and not the agent or employee of City,that City is interested in only the results to be achieved,and that the right to control the particular manner,method and means in which the services are performed is solely within the discretion of Consultant. Any and all employees who provide services to City under this Agreement shall be deemed employees solely of Consultant.The Consultant shall be solely responsible for the conduct and actions of all its employees under this Agreement and any liability that may attach thereto. 9.Ownership of Documents. All drawings,plans, specifications,and other related documents prepared by Consultant under this Agreement are and shall be the property of City, and may be subject to disclosure pursuant to RCW 42.56 or other applicable public record laws. The written,graphic,mapped,photographic,or visual documents prepared by Consultant under this Agreement shall,unless otherwise provided,be deemed the property of City. City shall be permitted to retain these documents,including reproducible camera-ready originals of reports, reproduction quality mylars of maps, and copies in the form of computer files, for the City's use. City shall have unrestricted authority to publish,disclose,distribute and otherwise use,in whole or in part, any reports, data, drawings, images or other material prepared under this Agreement, provided that Consultant shall have no liability for the use of Consultant's work product outside of the scope of its intended purpose. 10.Records. The City or State Auditor or any of their representatives shall have full access to and the right to examine during normal business hours all of Consultant's records with respect to all matters covered in this Agreement. Such representatives shall be permitted to audit,examine and make excerpts or transcripts from such records and to make audits of all contracts,invoices,materials,payrolls and record of matters covered by this Agreement for a period of three years from the date final payment is made hereunder. 11. Insurance. Consultant shall procure and maintain for the duration of the Agreement, insurance against claims for injuries to persons or damage to property which may arise from or in connection with the performance of the work hereunder by Consultant, its agents,representatives,employees or subcontractors. A.Minimum Scope of Insurance. Consultant shall obtain insurance of the types described below: 1.Automobile liability insurance covering all owned,non-owned,hired and leased vehicles. Coverage shall be written on Insurance Services Office(ISO)form CA 00 01 or a substitute form providing equivalent liability coverage. If necessary, the policy shall be endorsed to provide contractual liability coverage. 2.Commercial general liability insurance shall be written on ISO occurrence form CG 00 01 and shall cover liability arising from premises, operations, independent contractors and personal injury and advertising injury. City shall be named as an insured under Consultant's commercial general liability insurance policy with respect to the work performed for the City. 3.Workers' compensation coverage as required by the industrial insurance laws of the State of Washington. 4.Professional liability insurance appropriate to Consultant's profession. B.Minimum Amounts of Insurance. Consultant shall maintain the following insurance limits: 1.Automobile liability insurance with a minimum combined single limit for bodily injury and Agreement for Professional Services Page 3 of 6 property damage of$1,000,000 per accident. 2.Commercial general liability insurance shall be written with limits no less than$1,000,000 each occurrence, $2,000,000 general aggregate. 3. Professional liability insurance shall be written with limits no less than $1,000,000 per claim and$1,000,000 policy aggregate limit. C.Other Insurance Provisions. The insurance policies are to contain,or be endorsed to contain,the following provisions for automobile liability, professional liability and commercial general liability insurance: 1. Consultant's insurance coverage shall be primary insurance with respect to City. Any insurance,self-insurance,or insurance pool coverage maintained by City shall be in excess of Consultant's insurance and shall not contribute with it. 2. Consultant shall fax or send electronically in.pdf format a copy of insurer's cancellation notice within two business days of receipt by Consultant. D.Acceptability of Insurers. Insurance is to be placed with insurers with a current A.M.Best rating of not less than A:VII. E. Evidence of Coverage. As evidence of the insurance coverages required by this Agreement, Consultant shall furnish acceptable insurance certificates to the City Clerk at the time Consultant returns the signed Agreement. The certificate shall specify all of the parties who are additional insureds, and will include applicable policy endorsements, and the deduction or retention level. Insuring companies or entities are subject to City acceptance. If requested, complete copies of insurance policies shall be provided to City. Consultant shall be financially responsible for all pertinent deductibles, self-insured retentions, and/or self-insurance. 12.Indemnification and Hold Harmless. Consultant shall,at its sole expense,defend,indemnify and hold harmless City and its officers, agents, and employees, from any and all claims, actions, suits, liability, loss, costs,attorney's fees and costs of litigation,expenses,injuries,and damages of any nature whatsoever relating to or arising out of the wrongful or negligent acts,errors or omissions in the services provided by Consultant, Consultant's agents, subcontractors, subconsultants and employees to the fullest extent permitted by law, subject only to the limitations provided below. Consultant's duty to defend,indemnify and hold harmless City shall not apply to liability for damages arising out of such services caused by or resulting from the sole negligence of City or City's agents or employees. Consultant's duty to defend,indemnify and hold harmless City against liability for damages arising out of such services caused by the concurrent negligence of(a)City or City's agents or employees, and(b)Consultant, Consultant's agents, subcontractors, subconsultants and employees, shall apply only to the extent of the negligence of Consultant,Consultant's agents,subcontractors, subconsultants and employees. Consultant's duty to defend,indemnify and hold City harmless shall include,as to all claims,demands,losses and liability to which it applies, City's personnel-related costs,reasonable attorneys'fees,and the reasonable value of any services rendered by the office of the City Attorney,outside consultant costs,court costs,fees for collection, and all other claim-related expenses. Agreement for Professional Services Page 4 of 6 Consultant specifically and expressly waives any immunity that may be granted it under the Washington State Industrial Insurance Act,Title 51 RCW. These indemnification obligations shall not be limited in any way by any limitation on the amount or type of damages, compensation or benefits payable to or for any third party under workers' compensation acts, disability benefit acts, or other employee benefits acts. Provided, that Consultant's waiver of immunity under this provision extends only to claims against Consultant by City,and does not include,or extend to,any claims by Consultant's employees directly against Consultant. Consultant hereby certifies that this indemnification provision was mutually negotiated. 13.Waiver. No officer, employee,agent or other individual acting on behalf of either Party has the power, right or authority to waive any of the conditions or provisions of this Agreement. No waiver in one instance shall be held to be a waiver of any other subsequent breach or nonperformance. All remedies afforded in this Agreement or by law, shall be taken and construed as cumulative, and in addition to every other remedy provided herein or by law. Failure of either Party to enforce at any time any of the provisions of this Agreement or to require at any time performance by the other Party of any provision hereof shall in no way be construed to be a waiver of such provisions nor shall it affect the validity of this Agreement or any part thereof. 14. Assignment and Delegation. Neither Party shall assign, transfer, or delegate any or all of the responsibilities of this Agreement or the benefits received hereunder without first obtaining the written consent of the other Party. 15.Subcontracts. Except as otherwise provided herein,Consultant shall not enter into subcontracts for any of the work contemplated under this Agreement without obtaining prior written approval of City. 16.Confidentiality. Consultant may,from time to time,receive information which is deemed by City to be confidential. Consultant shall not disclose such information without the prior express written consent of City or upon order of a court of competent jurisdiction. 17. Jurisdiction and Venue. This Agreement is entered into in Spokane County, Washington. Disputes between City and Consultant shall be resolved in the Superior Court of the State of Washington in Spokane County. Notwithstanding the foregoing,Consultant agrees that it may,at City's request,be joined as a party in any arbitration proceeding between City and any third party that includes a claim or claims that arise out of,or that are related to Consultant's services under this Agreement. Consultant further agrees that the Arbitrator(s) decision therein shall be final and binding on Consultant and that judgment may be entered upon it in any court having jurisdiction thereof. 18. Cost and Attorney's Fees. The prevailing party in any litigation or arbitration arising out of this Agreement shall be entitled to its attorney's fees and costs of such litigation(including expert witness fees). 19. Entire Agreement. This written Agreement constitutes the entire and complete agreement between the Parties and supersedes any prior oral or written agreements. This Agreement may not be changed,modified or altered except in writing signed by the Parties hereto. 20. Anti-kickback. No officer or employee of City, having the power or duty to perform an official act or action related to this Agreement shall have or acquire any interest in this Agreement, or have solicited, accepted or granted a present or future gift, favor, service or other thing of value from any person with an interest in this Agreement. 21.Business Registration. Prior to commencement of work under this Agreement,Consultant shall register with the City as a business. Agreement for Professional Services Page 5 of 6 I I . t s l r 1 I 22.Severability. If any section,sentence,clause or phrase of this Agreement should be held to be invalid for any reason by a court of competent jurisdiction,such invalidity shall not affect the validity of any other section, sentence,clause or phrase of this Agreement. . 9' R. - 23.Exhibits. Exhibits attached and incorporated into this Agreement are: 1. Scope of Services/Fee Schedule 2.Insurance Certificates __ *IL t 1 The Parties have executed this Agreement this rot, day of January,2014. C - OF S OKANE VALLEY Consultat.. r 11. /. All 1 Mike Jack•in,City Manage By: , Its: Authorized Re, :ti•- I I A APP OVED^AAS ORM: dritif ,- ,..II.4 .4. A l. —.4......4 41 LA 1 • "1414.,1) i Christine :ainbridge,City Clerk 1 Office the City Att y N 1 t i r . 1 I 1 1 1 i k 1 1 g I R I • 1 e 11 11 IT i 11 a s' G 11 11 Agreement for Professional Services • Page 6 of 6 1 R a E 1 u ECONorthwest ECONOMICS • FINANCE • PLANNING DATE: December 30, 2014 TO: Mike Basinger, City of Spokane Valley FROM: Morgan Shook SUBJECT: EXHIBIT 1-SCOPE OF WORK FOR ECONOMIC DEVELOPMENT SUPPORT Scope of Work Task 1. Economic Development Support ECONorthwest will assist the City of Spokane Valley with land-use, real estate development, municipal economic strategy, and economic/fiscal impact projects as directed in writing by the City.These services will encompass long-range regional planning to local policy implementation, and area-wide to site development. Specific work task items may include, but not be limited-to, market analysis, economic forecasting, economic impact analysis, fiscal impact analysis, strategy development, and infrastructure funding/finance. Budget ECONW will bill on a time-and-expenses basis for labor and direct expenses ECONW incurs as follows: LABOR: • Director$150-250/hr • Project Manager$120-140/hr • Associates $90-140/hr • Senior Analyst$70-90/hr • Analyst$60-75/hr • Administrative$50/hr EXPENSES: ECONW shall bill CLIENT for direct expenses at cost, including but not limited to, postage, telephone, photocopies, reports, data, computer search, and travel. The services will be in task orders, with Phase 1 commencing in November 2014. These task orders of time shall not exceed $15,000 dollars without written authorization. ECONorthwest I Portland I Seattle I Boise I Eugene I econw.com 1 www.saif.com Oregon Workers' Compensation l sa�F Certificate of Insurance f corporation Certificate holder: CITY OF SPOKANE VALLEY CHRISTINE BAINBRIDGE 11707 EAST SPRAGUE AVE SUITE 106 SPOKANE VALLEY,WA 99206 The policy of insurance listed below has been issued to the insured named below for the policy period indicated.The insurance afforded by this policy is subject to all the terms,exclusions and conditions of such policy;this policy is subject to change or cancellation at any time. • Insured Producer/contact Economic Consultants Oregon LTD SAIF Corporation Eco Northwest Portland Service Center 222 SW Columbia St Ste 1600 971.242.5001 servic@saif.com Portland, Or 97201-6616 Issued 12/19/2014 Limits of liability Policy 356035 Bodily Injury by Accident $1,000,000 each accident Period 04/01/2014 to 04/01/2015 Bodily Injury by Disease $1,000,000 each employee Body Injury by Disease $1,000,000 policy limit Description of operations/locations/special items #22024-Spokane Valley Industry Economic Impact Important This certificate is issued as a matter of information only and confers no rights to the certificate holder.This certificate does not amend,extend or alter the coverage afforded by the policies above.This certificate does not constitute a contract between the issuing insurer,authorized representative or producer and the certificate holder. CANCELLATION: SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED TO THE POLICYHOLDER AND CERTIFICATE HOLDER IN ACCORDANCE WITH THE POLICY PROVISIONS AND OREGON LAW. SAIF WILL ENDEAVOR TO PROVIDE WRITTEN NOTICE WITHIN 30 DAYS WHENEVER POSSIBLE. Authorized representative I John D.Gilkey Interim President and CEO 400 High Street SE Salem,OR 97312 P:800.285.8525 F:503.584.9812 Pol icy_O LCA_Certifi cateOFlnsurance CERTIFICATE OF LIABILITY INSURANCE DATE (MM/DD/YYYY) 1/12/2015 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW.THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT:If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). CONTACT Kristy Martin PRODUCER NAME: FAX Ward Insurance Agency PHONE (541)687-1117 (541)342-8280 (A/C, No): (A/C, No, Ext): E-MAIL PO Box 10167 kristy@wardinsurance.net ADDRESS: INSURER(S)AFFORDINGCOVERAGENAIC# EugeneOR97440 Hartford Casualty Insurance Co 29424 INSURER A : Philadelphia Indemnity Ins INSURED INSURER B : Economics Consultants Oregon Ltd INSURER C : DBA: ECONorthwest INSURER D : 222 SW Columbia, Suite 1600 INSURER E : PortlandOR97201 INSURER F : 14/15 GL Auto UMB Prof COVERAGESCERTIFICATENUMBER:REVISIONNUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED.NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. ADDLSUBR INSRPOLICY EFFPOLICY EXP TYPE OF INSURANCELIMITS POLICY NUMBER (MM/DD/YYYY)(MM/DD/YYYY) LTR INSRWVD 1,000,000 GENERAL LIABILITY EACHOCCURRENCE$ DAMAGE TO RENTED X 300,000 COMMERCIAL GENERAL LIABILITY$ PREMISES(Eaoccurrence) 4/1/20144/1/2015 AX 10,000 X 52SBQIK2164 CLAIMS-MADEOCCURMEDEXP(Anyoneperson)$ 1,000,000 PERSONAL&ADVINJURY$ 2,000,000 GENERAL AGGREGATE$ 2,000,000 GEN'L AGGREGATE LIMIT APPLIES PER:PRODUCTS - COMP/OP AGG$ PRO- X $ POLICYLOC JECT COMBINED SINGLE LIMIT AUTOMOBILE LIABILITY 1,000,000 (Eaaccident)$ BODILYINJURY(Perperson)$ ANY AUTO A ALLOWNEDSCHEDULED 52UECHY4229 4/1/20144/1/2015 X BODILYINJURY(Peraccident)$ AUTOSAUTOS XX NON-OWNED PROPERTY DAMAGE $ HIRED AUTOS (Peraccident) AUTOS $ XX 3,000,000 UMBRELLA LIAB EACHOCCURRENCE$ OCCUR 3,000,000 EXCESS LIAB A CLAIMS-MADEAGGREGATE$ X 4/1/20144/1/2015 52SBQIK2164 10,000 $ DEDRETENTION$ WC STATU-OTH- WORKERS COMPENSATION TORY LIMITSER AND EMPLOYERS' LIABILITY Y / N ANY PROPRIETOR/PARTNER/EXECUTIVEE.L.EACHACCIDENT$ N / A OFFICER/MEMBER EXCLUDED? (Mandatory in NH) E.L. DISEASE - EA EMPLOYEE$ Ifyes,describeunder E.L. DISEASE - POLICY LIMIT$ DESCRIPTION OF OPERATIONS below B Professional Liability 4/1/20144/1/2015 $10,000 Ded PHSD928357 $3,000,000 Per Claim Per Claim $3,000,000 Aggregate DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (Attach ACORD 101, Additional Remarks Schedule, if more space is required) Re: Job #21960 City of Spokane Valley is included as additional insured for the general liability per attached SS0008 and auto liability per attached HA9916. All is subject to policy terms, limits, conditions, and exclusions. CERTIFICATE HOLDERCANCELLATION dhorton@spokanevalley.org SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. City of Spokane Valley Attn: Deanna Horton AUTHORIZED REPRESENTATIVE 11707 E Sprague Ave, Ste 106 Spokane Valley, WA 99206 Doc DuMars/EMILY ACORD25(2010/05)©1988-2010ACORDCORPORATION.Allrightsreserved. INS025 TheACORDnameandlogoareregisteredmarksofACORD (201005).01 Policy#52SBQIK2164 QUICK REFERENCE BUSINESS LIABILITY COVERAGE FORM READ YOUR POLICY CAREFULLY BUSINESS LIABILITY COVERAGE FORM Beginning onPage A.COVERAGES 1 1 Business Liability 2 Medical Expenses 2 CoverageExtension -SupplementaryPayments B.EXCLUSIONS 3 C.WHO IS AN INSURED 10 D.LIABILITY AND MEDICAL EXPENSES LIMITS OF INSURANCE 14 E.LIABILITY AND MEDICAL EXPENSES GENERAL CONDITIONS 15 1.15 Bankruptcy 2.15 DutiesInTheEventOf Occurrence,Offense,ClaimOrSuit 3.16 FinancialResponsibilityLaws 4.16 Legal ActionAgainst Us 5.16 SeparationOf Insureds 6.16 Representations 7.16 OtherInsurance 8.17 TransferOf RightsOf RecoveryAgainst OthersToUs F.OPTIONAL ADDITIONAL INSURED COVERAGES 18 18 AdditionalInsureds G.LIABILITY AND MEDICAL EXPENSES DEFINITIONS 20 FormSS 0008 0405 BUSINESS LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage. Readtheentire policycarefullytodeterminerights,duties andwhat is andisnotcovered. Throughoutthispolicythewords"you"and"your"refertotheNamedInsuredshownintheDeclarations.Thewords "we", "us"and "our"refertothestockinsurancecompanymember of The Hartfordproviding thisinsurance. C Theword "insured" means anyperson ororganizationqualifying assuch underSection . -WhoIsAn Insured. G Otherwordsandphrasesthatappearinquotationmarkshavespecialmeaning.RefertoSection.-LiabilityAnd Medical ExpensesDefinitions. (a) A.COVERAGES The"bodilyinjury"or"property damage"iscausedbyan 1.BUSINESSLIABILITYCOVERAGE(BODILY "occurrence"thattakesplaceinthe INJURY,PROPERTYDAMAGE,PERSONAL "coverageterritory"; ANDADVERTISING INJURY) (b) The"bodilyinjury"or"property InsuringAgreement damage"occursduringthepolicy a. Wewillpaythosesumsthattheinsured period; and becomeslegallyobligatedtopayas (c) Priortothepolicyperiod,noinsured damagesbecauseof"bodilyinjury", 1. listedunderParagraphofSection "propertydamage"or"personaland C. –WhoIsAnInsuredandno advertisinginjury"towhichthisinsurance "employee"authorized byyoutogive applies.Wewillhavetherightanddutyto orreceivenoticeofan"occurrence" defendtheinsuredagainstany"suit" orclaim, knewthat the"bodilyinjury" seekingthosedamages.However,wewill or"propertydamage"hadoccurred, havenodutytodefendtheinsuredagainst inwholeorinpart.Ifsuchalisted any"suit"seekingdamagesfor"bodily insuredorauthorized"employee" injury","propertydamage"or"personaland knew,priortothepolicyperiod,that advertisinginjury"towhichthisinsurance the"bodilyinjury"or"property doesnotapply. damage"occurred,thenany Wemay,atourdiscretion,investigateany continuation,changeorresumption "occurrence"or offenseand settle anyclaim ofsuch"bodilyinjury"or"property or"suit" thatmayresult. But: damage"duringorafterthepolicy periodwillbedeemedtohavebeen (1) Theamountwewillpayfordamagesis knownpriortothepolicyperiod. D. limitedasdescribedinSection- (2) To"personalandadvertisinginjury" LiabilityAndMedicalExpensesLimits caused byan offensearising out of your OfInsurance; and business,butonlyiftheoffensewas (2) Ourrightanddutytodefendendswhen committedinthe"coverageterritory" wehaveuseduptheapplicablelimitof during the policyperiod. insuranceinthepaymentofjudgments, c. "Bodilyinjury"or"propertydamage"willbe settlementsormedicalexpensestowhich deemedtohavebeenknowntohave thisinsuranceapplies. occurredattheearliesttimewhenany Nootherobligationorliabilitytopaysumsor 1. insuredlisted underParagraph of Section performactsorservicesiscoveredunless C. –WhoIsAnInsuredorany"employee" explicitlyprovidedforunderCoverage authorizedbyyoutogiveorreceivenotice Extension-SupplementaryPayments. of an"occurrence" orclaim: b. Thisinsuranceapplies: (1) Reportsall,oranypart,ofthe"bodily (1) To"bodilyinjury"and"property injury"or"propertydamage"tousor damage" only if: anyotherinsurer; FormSS 0008 0405Page 1of24 © 2005,TheHartford BUSINESS LIABILITYCOVERAGE FORM (2)b. ReceivesawrittenorverbaldemandorWewillmakethesepaymentsregardlessof claimfordamagesbecauseofthe"bodilyfault.Thesepaymentswillnotexceedthe injury"or"propertydamage";orapplicablelimitofinsurance.Wewillpay reasonable expensesfor: (3) Becomesawarebyanyothermeansthat (1) "bodilyinjury"or"propertydamage"hasFirstaidadministeredatthetimeofan occurredorhasbeguntooccur.accident; d.(2) Damagesbecauseof"bodilyinjury"include Necessarymedical,surgical,x-rayand damagesclaimedbyanypersonor dentalservices,includingprosthetic organizationforcare,lossofservicesordevices;and deathresultingatanytimefromthe"bodily (3) Necessaryambulance,hospital, injury". professionalnursingandfuneral e.IncidentalMedical Malpractice services. (1) "Bodilyinjury"arisingoutofthe 3.COVERAGEEXTENSION- renderingoforfailuretorender SUPPLEMENTARY PAYMENTS professionalhealthcareservicesasa a. Wewillpay,withrespecttoanyclaimor physician,dentist,nurse,emergency "suit"weinvestigateorsettle,orany"suit" medicaltechnicianorparamedicshall againstan insured wedefend: bedeemedtobecausedbyan (1) Allexpenses weincur. "occurrence", but only if: (2) Upto$1,000forthecostofbailbonds (a) Thephysician,dentist,nurse, requiredbecauseofaccidentsortraffic emergencymedicaltechnicianor lawviolationsarisingoutoftheuseof paramedicisemployedbyyouto anyvehicletowhichBusinessLiability provide suchservices; and Coveragefor"bodily injury"applies. We (b) Youarenotengagedinthe donothave to furnishthesebonds. businessoroccupationofproviding (3) Thecostofappealbondsorbondsto suchservices. releaseattachments,butonlyforbond (2) Forthepurposeofdeterminingthe amountswithintheapplicablelimitof limitsofinsurancefor incidentalmedical insurance.Wedonothavetofurnish malpractice,anyactoromission these bonds. togetherwithallrelatedactsor (4) All reasonable expenses incurred by the omissionsinthefurnishingofthese insuredatour request to assist us in the servicestoanyonepersonwillbe investigationordefenseoftheclaimor considered one"occurrence". "suit",includingactuallossofearnings 2.MEDICAL EXPENSES upto$500adaybecauseoftimeoff InsuringAgreement fromwork. a. Wewillpaymedicalexpensesasdescribed (5) Allcoststaxedagainsttheinsuredin belowfor"bodilyinjury"causedbyan the "suit". accident: (6) Prejudgmentinterestawardedagainst (1) On premisesyou ownor rent; theinsuredonthatpartofthejudgment wepay.Ifwemakeanoffertopaythe (2) Onwaysnexttopremisesyouownor applicablelimitofinsurance,wewillnot rent;or payanyprejudgmentinterestbasedon (3) Becauseofyour operations; that period of time aftertheoffer. provided that: (7) Allinterestonthefullamountofany (1) Theaccidenttakesplaceinthe judgmentthataccruesafterentryofthe "coverageterritory"andduringthe judgmentandbeforewehavepaid, policyperiod; offeredtopay,ordepositedincourtthe partofthejudgmentthatiswithinthe (2) The expenses are incurredand reported applicable limit of insurance. touswithinthreeyearsofthedateof the accident; and (1)(7) Anyamountspaidunderthrough abovewillnotreduce the limits of insurance. (3) Theinjuredpersonsubmitsto examination,atourexpense,by physiciansofourchoiceasoftenaswe reasonably require. Page 2of24FormSS 0008 0405 BUSINESS LIABILITYCOVERAGE FORM b. Ifwedefendaninsuredagainsta"suit" Solongastheaboveconditionsaremet, andanindemniteeoftheinsuredisalso attorneys'feesincurredbyusinthe namedasapartytothe"suit",wewill defenseofthatindemnitee,necessary defendthatindemniteeifallofthe litigationexpensesincurredbyusand followingconditionsare met:necessarylitigationexpensesincurred bytheindemniteeatourrequestwillbe (1) The"suit"againsttheindemnitee paidasSupplementaryPayments. seeksdamagesforwhichtheinsured hasassumedtheliabilityofthe Notwithstandingtheprovisionsof 1.b.(b)B. indemniteeinacontractoragreement ParagraphofSection– thatisan "insured contract";Exclusions,suchpaymentswillnotbe deemedtobedamagesfor"bodily (2) Thisinsuranceappliestosuchliability injury"and"propertydamage"andwill assumed bytheinsured; not reducetheLimits of Insurance. (3) Theobligation to defend, or the cost of Ourobligationtodefendaninsured's thedefenseof,thatindemnitee,has indemniteeandtopayforattorneys'fees alsobeenassumedbytheinsuredin andnecessarylitigationexpensesas the same "insured contract"; Supplementary Paymentsends when: (4) Theallegationsinthe"suit"andthe (1) Wehaveuseduptheapplicablelimit informationweknowaboutthe ofinsuranceinthepaymentof "occurrence"aresuchthatnoconflict judgments orsettlements; or appearstoexistbetweentheinterests (2) oftheinsuredandtheinterestofthe Theconditionssetforthabove,orthe indemnitee;termsoftheagreementdescribedin (6) Paragraphabove,arenolongermet. (5) Theindemniteeandtheinsuredask B.EXCLUSIONS ustoconductandcontrolthedefense ofthatindemniteeagainstsuch"suit" 1.ApplicableTo Business LiabilityCoverage andagreethatwecanassignthe Thisinsurancedoes not apply to: samecounseltodefendtheinsured andtheindemnitee;and a.ExpectedOrIntendedInjury (6) The indemnitee: (1) "Bodilyinjury"or"propertydamage" expectedorintendedfromthe (a) Agreesinwritingto: standpointoftheinsured.This (i) Cooperatewithusinthe exclusiondoesnotapplyto"bodily investigation,settlementor injury"or"propertydamage"resulting defense of the "suit"; fromtheuseofreasonableforceto (ii) Immediately sendus copies of protectpersons orproperty; or anydemands,notices, (2) "Personalandadvertisinginjury"arising summonsesorlegalpapers outofanoffensecommittedby,atthe receivedinconnectionwith directionoforwiththeconsentor the "suit"; acquiescenceoftheinsuredwiththe (iii) Notify any otherinsurerwhose expectationofinflicting"personaland coverageisavailabletothe advertisinginjury". indemnitee; and b.ContractualLiability (iv) Cooperatewithuswith (1) "Bodilyinjury"or"propertydamage";or respecttocoordinatingother (2) "Personal andadvertisinginjury" applicableinsuranceavailable to the indemnitee; and forwhichtheinsuredisobligatedtopay damagesbyreasonoftheassumptionof (b) Providesuswithwritten liabilityina contractor agreement. authorizationto: Thisexclusiondoesnotapplytoliability (i) Obtainrecordsandother for damages becauseof: informationrelatedtothe "suit"; and (a) "Bodilyinjury","propertydamage"or "personalandadvertisinginjury"that (ii) Conductandcontrolthe theinsuredwouldhaveinthe defenseoftheindemniteein absenceofthecontractor such"suit". agreement;or FormSS 0008 0405Page 3of24 BUSINESS LIABILITYCOVERAGE FORM (b)(b) "Bodilyinjury"or"propertydamage"Performingdutiesrelatedtothe assumed in a contract oragreementconductoftheinsured’sbusiness,or thatisan"insuredcontract", (2) Thespouse,child,parent,brotheror providedthe"bodilyinjury"or sisterofthat"employee"asa "propertydamage"occurs (1) consequenceofabove. subsequenttotheexecutionofthe Thisexclusion applies: contractoragreement.Solelyfor (1) Whethertheinsuredmaybeliableas thepurposeofliabilityassumedin anemployerorinanyothercapacity; an"insuredcontract",reasonable and attorneys'feesandnecessary litigation expenses incurred by or for(2) Toanyobligationtosharedamages apartyotherthananinsuredare withorrepaysomeoneelsewhomust deemedtobedamagesbecauseof paydamagesbecause of the injury. "bodilyinjury"or"propertydamage" Thisexclusiondoesnotapplytoliability provided: assumedbytheinsuredunderan"insured (i) Liabilitytosuchpartyfor,orfor contract". thecostof,thatparty’sdefense f.Pollution hasalsobeenassumedinthe (1) "Bodilyinjury","propertydamage"or same"insuredcontract",and "personalandadvertisinginjury" (ii) Suchattorneys'feesand arisingoutoftheactual,allegedor litigationexpensesarefor threateneddischarge,dispersal, defenseofthat party against a seepage,migration,releaseorescape civiloralternativedispute of "pollutants": resolutionproceedinginwhich (a) Atorfromanypremises,siteor damagestowhichthis locationwhichisorwasatany insurance appliesare alleged. timeownedoroccupiedby,or c.Liquor Liability rentedorloanedtoanyinsured. "Bodilyinjury"or"propertydamage"for However,thissubparagraphdoes whichanyinsuredmaybeheldliableby not apply to: reasonof: (i) "Bodilyinjury"ifsustainedwithin (1) Causingorcontributingtothe abuildingandcausedby intoxicationofany person; smoke,fumes,vapororsoot producedbyororiginatingfrom (2) Thefurnishingofalcoholicbeveragesto equipmentthatisusedtoheat, apersonunderthelegaldrinkingageor coolordehumidifythebuilding, undertheinfluenceofalcohol;or orequipmentthatisusedto (3) Anystatute,ordinanceorregulation heatwaterforpersonaluse,by relatingtothesale,gift,distributionor thebuilding'soccupantsortheir useofalcoholicbeverages. guests; Thisexclusionappliesonlyifyouareinthe (ii) "Bodilyinjury"or"property businessofmanufacturing,distributing, damage"forwhichyoumaybe selling,servingorfurnishingalcoholic heldliable,ifyouarea beverages. contractorandtheowneror d.Workers'CompensationAndSimilar lesseeofsuchpremises,site or Laws location hasbeenaddedtoyour Anyobligationoftheinsuredundera policyasanadditionalinsured workers'compensation,disabilitybenefits withrespecttoyourongoing orunemploymentcompensationlawor operationsperformedforthat anysimilar law. additionalinsuredatthat premises,siteorlocationand e.Employer’sLiability suchpremises,siteorlocation "Bodilyinjury" to: isnotandneverwasownedor (1) An"employee"oftheinsuredarising occupiedby,orrentedor out of andinthecourse of: loanedto,anyinsured,other (a) Employmentby the insured;or thanthatadditionalinsured;or Page 4of24FormSS 0008 0405 BUSINESS LIABILITYCOVERAGE FORM (iii) "Bodilyinjury"or"property releasedaspartofthe damage"arisingoutofheat, operationsbeingperformed smokeorfumesfroma bysuchinsured,contractoror "hostile fire";subcontractor; (b)(ii) Atorfromanypremises,siteor "Bodilyinjury"or"property locationwhichisorwasatanydamage"sustainedwithina timeusedbyorforanyinsuredor buildingandcausedbythe othersforthehandling,storage, releaseofgases,fumesor disposal,processingortreatment vaporsfrommaterialsbrought of waste;intothatbuildinginconnection withoperationsbeingperformed (c) Whichareorwereatanytime byyouoronyourbehalfbya transported,handled,stored, contractororsubcontractor;or treated,disposedof,orprocessed (iii) aswasteby orfor:"Bodilyinjury"or"property damage"arisingoutofheat, (i) Anyinsured; or smokeorfumesfroma (ii) Anypersonororganizationfor "hostile fire"; or whomyoumaybelegally (e) Atorfromanypremises,siteor responsible; locationonwhichanyinsuredorany (d) Atorfromanypremises,siteor contractorsorsubcontractors locationonwhichanyinsuredor workingdirectlyorindirectlyonany anycontractorsorsubcontractors insured’sbehalfareperforming workingdirectlyorindirectlyon operationsiftheoperationsareto anyinsured'sbehalfare testfor,monitor,cleanup,remove, performingoperationsifthe contain,treat,detoxifyorneutralize, "pollutants"arebroughtonorto orinanywayrespondto,orassess thepremises,siteorlocationin theeffectsof,"pollutants". connectionwithsuchoperations (2) Anyloss,costorexpensearisingout bysuchinsured,contractoror of any: subcontractor.However,this (a) subparagraphdoes not apply to:Request, demand, order or statutory orregulatoryrequirementthatany (i) "Bodilyinjury"or"property insuredorotherstestfor,monitor, damage"arisingoutofthe cleanup,remove,contain,treat, escapeoffuels,lubricantsor detoxifyorneutralize,orinanyway other operating fluidswhichare respondto,orassesstheeffectsof, neededtoperformthenormal "pollutants";or electrical,hydraulicor (b) mechanicalfunctionsClaimorsuitbyoronbehalfofa necessaryfortheoperationofgovernmentalauthorityfor "mobile equipment" or itsparts,damagesbecauseoftestingfor, if such fuels, lubricants orothermonitoring,cleaning up, removing, operatingfluidsescapefromacontaining,treating,detoxifyingor vehiclepartdesignedtohold,neutralizing,orinanyway storeorreceivethem.Thisrespondingto,orassessingthe exceptiondoesnotapplyiftheeffects of,"pollutants". "bodilyinjury"or"property However,thisparagraphdoesnot damage"arisesoutofthe applytoliabilityfordamagesbecause intentionaldischarge,dispersal of"propertydamage"thattheinsured orreleaseofthefuels, wouldhaveintheabsenceofsuch lubricantsorotheroperating request,demand,orderorstatutoryor fluids,orifsuchfuels, regulatoryrequirement,orsuchclaim lubricantsorotheroperating or"suit"byoronbehalfofa fluidsarebroughtonortothe governmental authority. premises,siteorlocationwith theintentthattheybe discharged,dispersedor FormSS 0008 0405Page 5of24 BUSINESS LIABILITYCOVERAGE FORM g.Aircraft,AutoOrWatercraft(2) Theuseof"mobileequipment"in,or whileinpracticeorpreparationfor,a "Bodilyinjury"or"propertydamage"arising prearrangedracing,speedor outoftheownership,maintenance,useor demolitioncontestorinanystunting entrustmenttoothersofanyaircraft,"auto" activity. or watercraft owned or operated by or rented i.War orloanedtoanyinsured.Useincludes operationand"loadingorunloading". "Bodilyinjury","propertydamage"or Thisexclusionapplieseveniftheclaims "personalandadvertisinginjury",however againstanyinsuredallegenegligenceor caused,arising,directlyorindirectly,outof: otherwrongdoinginthesupervision,hiring, (1) War,includingundeclaredor civil war; employment,trainingormonitoringofothers (2) Warlikeactionbyamilitaryforce, bythatinsured,ifthe"occurrence"which includingactioninhinderingor causedthe"bodilyinjury"or"property defendingagainstanactualor damage"involvedtheownership, expectedattack,byanygovernment, maintenance,use orentrustmenttoothersof sovereignorotherauthorityusing anyaircraft,"auto"orwatercraftthatis military personnel orotheragents; or ownedoroperatedbyorrentedorloanedto (3) Insurrection,rebellion,revolution, anyinsured. usurpedpower,oractiontakenby Thisexclusion doesnotapplyto: governmentalauthorityinhinderingor (1) Awatercraftwhileashoreonpremises defendingagainst anyofthese. youown orrent; j.Professional Services (2) Awatercraftyou donotown thatis: "Bodilyinjury","propertydamage"or (a) Lessthan51 feetlong; and "personalandadvertisinginjury"arising outoftherenderingoforfailuretorender (b) Notbeingusedtocarrypersons anyprofessionalservice.Thisincludes for acharge; but is not limited to: (3) Parkingan"auto"on,orontheways (1) Legal,accountingoradvertising nextto,premisesyouownorrent, services; providedthe"auto"isnotownedbyor rented orloanedtoyou ortheinsured; (2) Preparing,approving,orfailingto prepareorapprovemaps,shop (4) Liabilityassumedunderany"insured drawings,opinions,reports,surveys, contract"fortheownership, fieldorders,changeorders,designsor maintenanceoruseofaircraftor drawingsandspecifications; watercraft; (3) Supervisory,inspection,architectural (5) "Bodilyinjury"or"propertydamage" orengineering activities; arisingoutoftheoperationofanyof f.(2) theequipmentlisted in Paragraph (4) Medical,surgical,dental,x-rayor f.(3) orofthedefinitionof"mobile nursingservicestreatment,adviceor equipment";or instruction; (6) Anaircraftthatisnotownedbyany (5) Anyhealthortherapeuticservice insured and is hired,charteredor loaned treatment, advice orinstruction; withapaidcrew.However,this (6) Anyservice,treatment,adviceor exceptiondoesnotapplyiftheinsured instructionforthepurposeof hasanyotherinsurancefor such"bodily appearance orskinenhancement,hair injury"or"propertydamage",whether removalorreplacementorpersonal theotherinsuranceisprimary,excess, grooming; contingentoronanyotherbasis. (7) Opticalorhearingaidservices h.Mobile Equipment includingtheprescribing,preparation, "Bodilyinjury"or"propertydamage" fitting,demonstrationordistributionof arisingoutof: ophthalmiclensesandsimilar products orhearingaiddevices; (1) Thetransportationof"mobileequipment" byan"auto"ownedoroperatedbyor rentedorloanedtoanyinsured;or Page 6of24FormSS 0008 0405 BUSINESS LIABILITYCOVERAGE FORM (8)(1)(3)(4) OptometryoroptometricservicesParagraphs,andofthis includingbutnotlimitedtoexaminationexclusiondonotapplyto"property oftheeyesandtheprescribing,damage"(otherthandamagebyfire)to preparation,fitting,demonstrationorpremises,includingthecontentsofsuch distributionofophthalmiclensesandpremises, rented to you for a period of 7or similarproducts;fewerconsecutivedays.AseparateLimit ofInsuranceappliestoDamageTo (9) Any: PremisesRentedToYouasdescribedin (a) Bodypiercing(notincludingear D. Section-Limits OfInsurance. piercing); (2) Paragraphofthisexclusiondoesnot (b) Tattooing,includingbutnotlimited applyifthepremisesare"yourwork"and totheinsertionofpigmentsintoor wereneveroccupied,rentedorheldfor undertheskin; and rentalby you. (c) Similarservices; (3) (4) Paragraphs andofthis exclusiondo (10) Servicesinthepracticeofpharmacy; not apply to the useofelevators. and (3)(4)(5)(6) Paragraphs,,andofthis (11) Computerconsulting,designor exclusiondonotapplytoliabilityassumed programmingservices,includingweb undera sidetrackagreement. sitedesign. (3)(4) Paragraphs and ofthis exclusiondo (4)(5) Paragraphs and ofthis exclusiondo notapplyto"propertydamage"to notapplytotheIncidentalMedical borrowedequipmentwhilenotbeingused Malpracticecoverageaffordedunder to performoperations at ajobsite. 1.e.A. ParagraphinSection -Coverages. (6) Paragraphofthisexclusiondoesnot k.Damage ToProperty applyto"propertydamage" includedinthe "products-completed operationshazard". "Property damage" to: l.Damage ToYour Product (1) Propertyyouown,rentoroccupy, includinganycostsorexpenses "Propertydamage"to"yourproduct" incurredbyyou,oranyotherperson, arisingoutofit orany part of it. organizationorentity,forrepair, m.Damage ToYour Work replacement,enhancement, "Propertydamage"to"yourwork"arising restorationormaintenanceofsuch out of it or any part ofit andincluded in the propertyforanyreason,including "products-completed operationshazard". preventionofinjurytoapersonor damage to another's property;Thisexclusiondoesnotapplyifthe damagedworkortheworkoutofwhich (2) Premisesyousell,giveawayor thedamageariseswasperformedonyour abandon,ifthe"propertydamage"arises behalfby asubcontractor. outofanypartofthosepremises; n.DamageToImpairedPropertyOr (3) Property loaned to you; PropertyNotPhysically Injured (4) Personalpropertyinthecare,custody "Propertydamage"to"impairedproperty" orcontrol of the insured; orpropertythathasnotbeenphysically (5) Thatparticularpartofrealpropertyon injured, arisingoutof: whichyouoranycontractorsor (1) Adefect,deficiency,inadequacyor subcontractorsworkingdirectlyor dangerousconditionin"yourproduct" indirectlyonyourbehalfareperforming or"your work"; or operations,ifthe"propertydamage" (2) arisesoutofthoseoperations;orAdelayorfailurebyyouoranyone actingonyourbehalftoperforma (6) Thatparticularpartofanyproperty contractoragreementinaccordance thatmustberestored,repairedor withits terms. replacedbecause"yourwork"was incorrectly performedon it.Thisexclusiondoesnotapplytotheloss ofuseofotherpropertyarisingoutof suddenandaccidentalphysicalinjuryto "yourproduct"or"yourwork"afterithas beenputtoits intendeduse. FormSS 0008 0405Page 7of24 BUSINESS LIABILITYCOVERAGE FORM o.RecallOfProducts,WorkOrImpaired (c) Titleofany literary orartistic work; Property (8) Arising out of anoffense committed by Damagesclaimedforanyloss,costor aninsuredwhose business is: (a) expenseincurredbyyouorothersfortheAdvertising,broadcasting, lossofuse,withdrawal,recall,inspection, publishing ortelecasting; repair,replacement,adjustment,removal (b) Designingordeterminingcontent ordisposal of: of websites for others;or (1) "Yourproduct"; (c) AnInternetsearch,access, (2) "Yourwork";or contentor service provider. (3) "Impaired property"; However,thisexclusiondoesnot ifsuchproduct,workorpropertyis a.b.c. applytoParagraphs,and withdrawnorrecalledfromthemarketor underthedefinitionof"personaland fromusebyanypersonororganization G. advertisinginjury"inSection– becauseofaknownorsuspecteddefect, LiabilityAndMedicalExpenses deficiency,inadequacyordangerous Definitions. condition in it. Forthepurposesofthisexclusion, p.Personal AndAdvertisingInjury placingan"advertisement"foror linkingtoothersonyourwebsite,by "Personal andadvertisinginjury": itself,isnotconsideredthebusiness (1) Arising out of oral, written or electronic ofadvertising,broadcasting, publicationofmaterial,ifdonebyorat publishing ortelecasting; thedirectionoftheinsuredwith (9) Arisingoutofanelectronicchatroom knowledge of itsfalsity; orbulletinboardtheinsuredhosts, (2) Arising out of oral, written or electronic owns,oroverwhichtheinsured publicationofmaterialwhosefirst exercises control; publicationtookplacebeforethe (10) Arisingoutoftheunauthorizeduseof beginningofthepolicy period; another's name or product in youre-mail (3) Arisingoutofacriminalactcommitted address,domainnameormetatags,or byor at the direction of the insured; anyothersimilartacticstomislead (4) Arisingoutofanybreachofcontract, another'spotentialcustomers; exceptanimpliedcontracttouse (11) Arisingoutoftheviolationofa another’s"advertisingidea"inyour person'srightofprivacycreatedby "advertisement"; anystate orfederal act. (5) Arisingoutofthefailureofgoods, However,thisexclusiondoesnot productsorservicestoconformwith applytoliabilityfordamagesthatthe anystatementofqualityor insuredwouldhaveintheabsenceof performancemadeinyour suchstate orfederal act; "advertisement"; (12) Arisingoutof: (6) Arisingoutofthewrongdescriptionof (a) An"advertisement"forotherson thepriceofgoods,productsorservices; yourweb site; (7) Arisingoutofanyviolationofany (b) Placingalinktoawebsiteof intellectualpropertyrightssuchas others onyour website; copyright,patent,trademark,trade name,tradesecret,servicemarkor (c) Contentfromawebsiteofothers otherdesignationoforiginor displayedwithinaframeorborder authenticity. onyourwebsite.Contentincludes information,code,sounds,text, However,thisexclusiondoesnot graphicsorimages;or applytoinfringement,inyour "advertisement",of (d) Computercode,softwareor programming usedtoenable: (a) Copyright; (i) Yourweb site; or (b) Slogan,unlessthesloganisalso atrademark,tradename,service (ii) The presentation or functionality markorotherdesignationof origin ofan"advertisement"orother orauthenticity; or contentonyourwebsite; Page 8of24FormSS 0008 0405 BUSINESS LIABILITYCOVERAGE FORM (13)(a) Arisingoutofaviolationofanyanti-Maybeawardedorincurredby trustlaw;reasonofanyclaimorsuit alleging actual or threatened injury (14) Arising out of the fluctuation in price or or damage of any nature or kind to valueofanystocks,bondsorother personsorpropertywhichwould securities; or nothaveoccurredinwholeorin (15) Arisingoutofdiscriminationor part but for the "asbestos hazard"; humiliationcommittedbyoratthe (b) Ariseoutofanyrequest,demand, directionofany"executiveofficer", orderorstatutoryorregulatory director,stockholder,partneror requirementthatanyinsuredor memberoftheinsured. otherstestfor,monitor,cleanup, q.ElectronicData remove,encapsulate,contain, Damagesarisingoutofthelossof,lossof treat,detoxifyorneutralizeorin useof,damageto,corruptionof,inability anywayrespondtoorassessthe toaccess,orinabilitytomanipulate effects of an"asbestos hazard"; or "electronicdata". (c) Ariseoutofanyclaimorsuitfor r.Employment-RelatedPractices damagesbecauseoftestingfor, monitoring,cleaningup,removing, "Bodily injury"or "personal and advertising encapsulating,containing,treating, injury"to: detoxifyingorneutralizingorinany (1) Aperson arisingoutofany: wayrespondingtoorassessingthe (a) Refusaltoemploy thatperson; effectsofan"asbestoshazard". (b) Terminationofthatperson's t.ViolationOfStatutesThatGovernE- employment; or Mails,Fax,PhoneCallsOrOther MethodsOfSendingMaterialOr (c) Employment-relatedpractices, Information policies,actsoromissions,suchas coercion,demotion,evaluation, "Bodilyinjury","propertydamage",or reassignment,discipline, "personalandadvertisinginjury"arising defamation,harassment,humiliation directlyorindirectlyoutofanyactionor ordiscriminationdirectedatthat omissionthatviolatesorisallegedto person;or violate: (2) Thespouse,child,parent,brotheror (1) TheTelephoneConsumerProtection sisterofthatpersonasa Act(TCPA),including anyamendment consequenceof"bodilyinjury"or of oradditiontosuch law; "personaland advertising injury" to the (2) TheCAN-SPAM Act of 2003, including personatwhomanyofthe anyamendmentoforadditiontosuch employment-relatedpractices law;or (a)(b)(c) described in Paragraphs,,or (3) Anystatute,ordinanceorregulation, aboveisdirected. otherthantheTCPAorCAN-SPAMAct Thisexclusion applies: of2003,thatprohibitsorlimitsthe (1) Whethertheinsuredmaybeliableas sending,transmitting,communicatingor anemployerorinanyothercapacity; distributionofmaterialorinformation. and DamageToPremisesRentedToYou– (2) Toanyobligationtosharedamages ExceptionForDamageByFire,Lightning withorrepaysomeoneelsewhomust or Explosion paydamagesbecause of the injury. c.h.k.o. Exclusionsthroughandthroughdo s.Asbestos notapplytodamagebyfire,lightningor explosiontopremisesrentedtoyouor (1) "Bodilyinjury","propertydamage"or temporarilyoccupiedby youwith permission of "personalandadvertisinginjury" theowner.AseparateLimitofInsurance arisingoutofthe"asbestoshazard". appliestothiscoverageasdescribedin (2) Anydamages,judgments,settlements, D. Section-LiabilityAndMedicalExpenses loss,costsorexpensesthat: LimitsOf Insurance. FormSS 0008 0405Page 9of24 BUSINESS LIABILITYCOVERAGE FORM 2.ApplicableTo MedicalExpenses Coveragee. Atrust,youareaninsured.Yourtrustees arealsoinsureds,butonlywithrespectto We will not payexpenses for "bodilyinjury": theirduties astrustees. a.Any Insured 2. Eachofthefollowing is also aninsured: Toanyinsured,except"volunteerworkers". a.Employees AndVolunteer Workers b.HiredPerson Your"volunteerworkers"onlywhile To a person hired to do work foror onbehalf performingdutiesrelatedtotheconductof ofanyinsuredoratenantofanyinsured. yourbusiness,oryour"employees",other c.InjuryOn Normally Occupied Premises thaneitheryour"executiveofficers"(ifyou Toapersoninjuredonthatpartof areanorganizationotherthana premisesyouownorrentthattheperson partnership,jointventureorlimitedliability normally occupies. company)oryourmanagers(ifyouarea limitedliabilitycompany),butonlyforacts d.Workers'CompensationAndSimilar withinthescopeoftheiremploymentby Laws youorwhileperformingdutiesrelatedto Toaperson,whetherornotan the conduct of yourbusiness. "employee"ofanyinsured,ifbenefitsfor However,noneofthese"employees"or the"bodilyinjury"arepayableormustbe "volunteerworkers" areinsuredsfor: providedunderaworkers'compensation ordisability benefits law ora similarlaw. (1) "Bodilyinjury"or"personaland advertising injury": e.Athletics Activities (a) Toyou,toyourpartnersor Toapersoninjuredwhilepracticing, members(ifyouareapartnership instructingorparticipatinginanyphysical orjointventure),toyourmembers exercisesorgames,sportsorathletic (ifyouarealimitedliability contests. company),ortoaco-"employee" f.Products-CompletedOperationsHazard whileinthecourseofhisorher Includedwiththe"products-completed employmentorperformingduties operationshazard". relatedtotheconductofyour business,ortoyourother g.Business LiabilityExclusions "volunteerworkers"while ExcludedunderBusinessLiabilityCoverage. performingdutiesrelatedtothe C.WHO IS AN INSURED conduct of yourbusiness; 1. Ifyou aredesignated in the Declarations as: (b) Tothespouse,child,parent, brotherorsisterofthatco- a. Anindividual,youandyourspouseare "employee"orthat"volunteer insureds,butonlywithrespecttothe worker"asaconsequenceof conduct of a business of which youare the (1)(a) Paragraphabove; sole owner. (c) Forwhichthereisanyobligation b. Apartnershiporjointventure,youarean tosharedamageswithorrepay insured.Yourmembers,yourpartners,and someoneelsewhomustpay theirspousesarealsoinsureds,butonlywith damagesbecauseoftheinjury respecttotheconductofyourbusiness. (1)(a) describedinParagraphsor c. Alimitedliabilitycompany,youarean (b) above; or insured.Yourmembersarealsoinsureds, (d) Arisingoutofhisorherproviding butonlywithrespecttotheconductofyour orfailingtoprovideprofessional business.Yourmanagersareinsureds,but healthcare services. onlywithrespecttotheirdutiesasyour managers. Ifyouarenotinthebusinessof providingprofessionalhealthcare d. Anorganizationotherthanapartnership, (d) services,Paragraphdoesnotapply jointventureorlimitedliabilitycompany,you toanynurse,emergencymedical areaninsured.Your"executiveofficers"and technicianorparamedicemployedby directorsareinsureds,butonlywithrespect youtoprovidesuchservices. totheirdutiesasyourofficersordirectors. Yourstockholdersarealsoinsureds,butonly (2) "Property damage" to property: withrespecttotheirliabilityasstockholders. (a) Owned,occupiedor usedby, Page 10of24FormSS 0008 0405 BUSINESS LIABILITYCOVERAGE FORM (b)b. Rentedto,inthecare,custodyor Coverageunderthisprovisiondoesnot controlof,oroverwhichphysical apply to: controlisbeingexercisedforany (1) "Bodilyinjury"or"propertydamage" purposebyyou,anyofyour thatoccurred;or "employees","volunteerworkers", (2) "Personalandadvertisinginjury" anypartnerormember(ifyouare arisingoutofan offensecommitted apartnershiporjointventure),or beforeyouacquiredorformedthe anymember(ifyouarealimited organization. liabilitycompany). 4.Operator Of Mobile Equipment b.Real EstateManager Withrespectto"mobileequipment"registeredin Any person (other than your "employee"or yournameunderanymotorvehicleregistration "volunteerworker"),oranyorganization law,anypersonisaninsuredwhiledrivingsuch whileacting asyour real estatemanager. equipmentalongapublichighwaywithyour c.TemporaryCustodiansOfYour permission.Anyotherpersonororganization Property responsiblefortheconductofsuchpersonis Anypersonororganizationhavingproper alsoaninsured,butonlywithrespecttoliability temporarycustodyofyourpropertyifyou arising out oftheoperation of the equipment,and die,butonly: onlyifno other insurance of anykindisavailable (1) Withrespecttoliabilityarisingoutofthe tothatpersonororganizationforthisliability. maintenanceoruseofthatproperty;and However, noperson ororganizationisaninsured withrespectto: (2) Untilyourlegalrepresentativehas beenappointed.a. "Bodilyinjury"toaco-"employee"ofthe persondriving the equipment;or d.Legal Representative If YouDie b. "Propertydamage"topropertyownedby, Yourlegalrepresentativeifyoudie,but rentedto,inthechargeoforoccupiedby onlywithrespecttodutiesassuch.That youortheemployerofanypersonwhois representativewillhaveallyourrightsand aninsuredunder thisprovision. dutiesunder thisinsurance. 5.Operator of NonownedWatercraft e.Unnamed Subsidiary Withrespecttowatercraftyoudonotownthat Anysubsidiaryandsubsidiarythereof,of islessthan51feetlongandisnotbeingused yourswhichisa legally incorporatedentity to carry persons for a charge, any personisan ofwhichyouownafinancialinterestof insuredwhileoperatingsuchwatercraftwith morethan50%ofthevotingstockonthe yourpermission.Anyotherpersonor effectivedateofthis CoveragePart. organizationresponsiblefortheconductof Theinsuranceaffordedhereinforany suchpersonisalsoaninsured,butonlywith subsidiarynotshownintheDeclarations respecttoliabilityarisingoutoftheoperation asanamedinsureddoesnotapplyto ofthewatercraft,andonlyifnoother injuryordamagewithrespecttowhichan insuranceofanykindisavailabletothat insuredunderthisinsuranceisalsoan personor organization for thisliability. insuredunderanotherpolicyorwouldbe However,nopersonororganizationisan aninsuredundersuchpolicybutforits insured withrespect to: terminationorupontheexhaustionofits limits of insurance.a. "Bodilyinjury"toaco-"employee"ofthe personoperating the watercraft;or 3.NewlyAcquired Or Formed Organization b. "Propertydamage"topropertyownedby, Anyorganizationyounewlyacquireorform, rentedto,inthechargeoforoccupiedby otherthanapartnership,jointventureor youortheemployerofanypersonwhois limitedliabilitycompany,andoverwhichyou aninsuredunder thisprovision. maintainfinancialinterestof more than 50%of thevotingstock,willqualifyasaNamed 6.AdditionalInsuredsWhenRequiredBy AdditionalInsuredWhRequiredBy sen Insuredifthereisnoothersimilarinsurance WrittenContract,WrittenAgreementOr ConO Writtentract,WrittenAt greemenr available to thatorganization. However:Permit Permit a. Coverageunderthisprovisionisafforded Theperson(s)ororganization(s)identifiedin onlyuntilthe180thdayafteryouacquire a.f. Paragraphsthroughbelowareadditional orformtheorganizationortheendofthe insuredswhenyouhaveagreed,inawritten policyperiod, whichever is earlier; and FormSS 0008 0405Page 11of24 BUSINESS LIABILITYCOVERAGE FORM (e) contract,writtenagreementorbecauseofa Anyfailuretomakesuch permitissuedbyastateorpolitical inspections,adjustments,testsor subdivision,thatsuchpersonororganization servicingasthevendorhas beaddedasanadditionalinsuredonyouragreedtomakeornormally policy,providedtheinjuryordamageoccurs undertakestomakeintheusual subsequenttotheexecutionofthecontractor courseofbusiness,inconnection agreement, ortheissuanceofthepermit.withthedistributionorsaleofthe products; Apersonororganizationisanadditional (f) Demonstration,installation, insuredunderthisprovisiononlyforthat servicingorrepairoperations, periodoftimerequiredbythecontract, exceptsuchoperationsperformed agreementor permit. atthevendor'spremisesin However,no suchperson or organization is an connectionwiththesaleofthe additionalinsuredunderthisprovisionifsuch product; personororganizationisincludedasan (g) Productswhich,afterdistribution additionalinsuredbyanendorsementissued orsalebyyou,havebeenlabeled byusandmadeapartofthisCoveragePart, orrelabeledorusedasa includingallpersonsororganizationsadded container,partor ingredient of any asadditionalinsuredsunderthespecific otherthingorsubstancebyorfor additionalinsuredcoveragegrantsinSection the vendor; or F. –Optional AdditionalInsuredCoverages. (h) "Bodilyinjury"or"property a.Vendors Vendo rs damage"arisingoutofthesole Anyperson(s)ororganization(s)(referredto negligenceofthevendorforits belowasvendor),butonlywithrespectto ownactsoromissionsorthoseof "bodilyinjury"or"propertydamage"arising itsemployeesoranyoneelse outof"yourproducts"whicharedistributed acting onits behalf. However, this orsoldintheregularcourseofthevendor's exclusiondoes not apply to: businessandonlyifthisCoveragePart (i) Theexceptionscontainedin providescoveragefor"bodilyinjury"or (d)(f) Subparagraphsor ;or "propertydamage"includedwithinthe (ii) "products-completedoperationshazard".Suchinspections,adjustments, testsorservicingasthevendor (1) Theinsuranceaffordedtothevendor has agreed to make or normally issubjecttothefollowingadditional undertakes to make in the usual exclusions: courseofbusiness,in Thisinsurancedoes not apply to: connectionwiththedistribution (a) "Bodilyinjury"or"property orsaleoftheproducts. damage"forwhichthevendoris (2) Thisinsurancedoesnotapplytoany obligatedtopaydamagesby insuredpersonororganizationfrom reasonoftheassumptionof whom you have acquired suchproducts, liability in acontract or agreement. oranyingredient,partorcontainer, Thisexclusiondoesnotapplyto enteringinto,accompanyingor liabilityfordamagesthatthe containingsuchproducts. vendorwouldhaveintheabsence b.LessorsOfEquipment Of LEquipment essors of the contractor agreement; (1) Anypersonororganizationfrom (b) Anyexpresswarranty whomyouleaseequipment;butonly unauthorizedby you; withrespecttotheirliabilityfor"bodily (c) Anyphysicalorchemicalchange injury","propertydamage"or intheproductmadeintentionally "personalandadvertisinginjury" bythevendor; caused,inwholeorinpart,byyour (d) Repackaging,exceptwhen maintenance,operationoruseof unpackedsolelyforthepurposeof equipmentleasedtoyoubysuch inspection,demonstration,testing, personor organization. orthesubstitutionofpartsunder instructionsfromthemanufacturer, andthenrepackagedinthe original container; Page 12of24FormSS 0008 0405 BUSINESS LIABILITYCOVERAGE FORM (2)e.PermitsIssuedByStateOrPolitical Withrespecttotheinsuranceafforded StateOr PermitsIssuedByPolitical Subdivisions totheseadditionalinsureds,this Su bdivisio ns insurancedoesnotapplytoany (1) Anystateorpoliticalsubdivision,but "occurrence"whichtakesplaceafter onlywithrespecttooperations youcease to lease thatequipment. performed byyou oron yourbehalf for c.LessorsOfLandOrPremises whichthestateorpoliticalsubdivision OfOr LLandPremises essors hasissueda permit. (1) Anypersonororganizationfrom (2) whomyouleaselandorpremises,but Withrespecttotheinsuranceafforded onlywithrespecttoliabilityarisingout totheseadditionalinsureds,this oftheownership,maintenanceoruse insurance doesnotapplyto: ofthatpartofthelandorpremises (a) "Bodilyinjury","propertydamage" leased to you. or"personalandadvertising (2) Withrespecttotheinsuranceafforded injury"arisingoutofoperations totheseadditionalinsureds,this performedforthestateor insurance doesnotapplyto:municipality; or (a)(b) Any"occurrence"whichtakes "Bodilyinjury"or"propertydamage" placeafter youcease to lease that includedwithinthe"products- landorbeatenantinthat completedoperationshazard". premises; or f.Any OtherParty y O AtherParty n (b) Structuralalterations,new (1) Anyotherpersonororganizationwho constructionordemolition a. isnotaninsuredunderParagraphs operationsperformedbyoron e through.above,butonlywith behalfofsuchpersonor respecttoliabilityfor"bodilyinjury", organization. "propertydamage"or"personaland d.Architects, EngineersOrSurveyors advertisinginjury"caused,inwholeor OrSurveyo Architects, Engi neersrs inpart,byyouractsoromissionsor (1) Anyarchitect,engineer,orsurveyor,but theactsoromissionsofthoseacting onlywithrespecttoliabilityfor"bodily onyour behalf: injury","propertydamage"or"personal (a) andadvertisinginjury"caused,inwholeIntheperformanceofyour orinpart,byyouractsoromissionsorongoing operations; theactsoromissionsofthoseactingon (b) Inconnectionwithyourpremises yourbehalf: ownedby orrentedtoyou;or (a) Inconnectionwithyourpremises; (c) In connection with "your work" and or includedwithinthe"products- (b) Intheperformanceofyourcompletedoperationshazard",but ongoingoperationsperformedby only if youor onyour behalf. (i) Thewrittencontractorwritten (2) Withrespecttotheinsuranceafforded agreementrequiresyouto totheseadditionalinsureds,theprovidesuchcoverageto followingadditional exclusionapplies:suchadditional insured;and (ii) Thisinsurancedoesnotapplyto ThisCoveragePartprovides "bodilyinjury","propertydamage"or coveragefor"bodilyinjury"or "personalandadvertisinginjury" "propertydamage"included arisingoutoftherenderingoforthe withinthe"products- failuretorenderanyprofessional completed operationshazard". services byor for you, including: (2) Withrespecttotheinsuranceafforded (a) Thepreparing,approving,or totheseadditionalinsureds,this failuretoprepareorapprove, insurance doesnotapplyto: maps,shopdrawings,opinions, "Bodilyinjury","propertydamage"or reports,surveys,fieldorders, "personalandadvertisinginjury" changeorders,designsor arisingoutoftherenderingof,orthe drawings andspecifications; or failuretorender,anyprofessional (b) Supervisory,inspection, architectural,engineeringorsurveying architecturalorengineering services,including: activities. FormSS 0008 0405Page 13of24 BUSINESS LIABILITYCOVERAGE FORM (a) Thepreparing,approving,or ThisGeneralAggregatelimitdoesnot failuretoprepareorapprove, applyto"propertydamage"topremises maps,shopdrawings,opinions, whilerentedtoyouortemporarily reports,surveys,fieldorders, occupiedbyyouwithpermissionofthe changeorders,designsor owner,arisingoutoffire,lightningor drawings andspecifications; orexplosion. (b)3.Each Occurrence Limit Supervisory,inspection, architecturalorengineering 2.a.2.b Subjecttoorabove,whichever activities. applies,themostwewillpayforthesumofall Thelimitsofinsurancethatapplytoadditional damagesbecauseofall"bodilyinjury", D. insuredsaredescribedinSection–Limits"propertydamage"andmedicalexpenses OfInsurance.arisingoutofanyone"occurrence"isthe LiabilityandMedicalExpensesLimitshownin Howthisinsuranceapplieswhenother the Declarations. insuranceisavailabletoanadditionalinsured isdescribedintheOtherInsuranceCondition Themostwewillpayforallmedicalexpenses E. inSection– Liability AndMedicalExpensesbecauseof"bodilyinjury"sustainedbyany GeneralConditions.onepersonistheMedicalExpensesLimit shownintheDeclarations. Nopersonororganizationisaninsuredwith 4.Personal AndAdvertisingInjury Limit respecttotheconductofanycurrentorpast partnership,jointventureorlimitedliability 2.b. Subjecttoabove,themostwewillpayfor companythatisnotshownasaNamedInsuredin thesumofalldamagesbecauseofall the Declarations. "personalandadvertisinginjury"sustainedby D.LIABILITYANDMEDICALEXPENSES any one person or organization is the Personal andAdvertisingInjuryLimitshowninthe LIMITS OF INSURANCE Declarations. 1.TheMost We WillPay 5.Damage ToPremisesRented ToYou Limit TheLimitsofInsuranceshowninthe TheDamageToPremisesRentedToYou Declarationsandtherulesbelowfixthemost LimitisthemostwewillpayunderBusiness wewillpay regardless of the number of: LiabilityCoveragefordamagesbecauseof a. Insureds; "propertydamage"toanyonepremises,while b. Claims made or"suits" brought;or rented to you, or in the case of damage byfire, lightningorexplosion,whilerentedtoyouor c. Persons or organizations making claims or temporarilyoccupiedby youwith permission of bringing"suits". the owner. 2.Aggregate Limits Inthecaseofdamagebyfire,lightningor The mostwe will payfor: explosion, the Damage toPremises Rented To a. Damagesbecauseof"bodilyinjury"and YouLimitappliestoalldamageproximately "propertydamage"includedinthe causedbythesameevent,whethersuch "products-completedoperationshazard"is damage results fromfire,lightning orexplosion theProducts-CompletedOperations orany combinationofthese. AggregateLimitshowninthe 6.HowLimitsApplyTo Additional Insureds Declarations. Themostwewillpayonbehalfofapersonor b. Damagesbecauseofallother"bodily organizationwhoisanadditionalinsured injury","propertydamage"or"personal underthis CoveragePart is the lesser of: andadvertisinginjury",includingmedical a. Thelimitsofinsurancespecifiedina expenses,istheGeneralAggregateLimit writtencontract,writtenagreementor shownintheDeclarations. permitissuedbyastateorpolitical ThisGeneralAggregateLimitapplies subdivision;or separatelytoeachofyour"locations" b. TheLimitsofInsuranceshowninthe ownedby orrentedtoyou. Declarations. "Location"meanspremisesinvolvingthe Suchamountshallbeapartofandnotin sameorconnectinglots,orpremises additiontotheLimitsofInsuranceshownin whoseconnectionisinterruptedonlybya the Declarations anddescribedinthis Section. street,roadwayorright-of-wayofa railroad. Page 14of24FormSS 0008 0405 BUSINESS LIABILITYCOVERAGE FORM (1) Ifmorethanonelimitofinsuranceunderthis Immediatelysenduscopiesofany policyandanyendorsementsattachedthereto demands,notices,summonsesor appliestoanyclaimor"suit",themostwewillpay legalpapersreceivedinconnection underthispolicyandtheendorsementsisthe withtheclaimor "suit"; singlehighestlimitofliabilityofallcoverages (2) Authorizeustoobtainrecordsand applicabletosuchclaimor"suit".However,this other information; paragraph does not apply to theMedicalExpenses (3) Cooperatewithusintheinvestigation, 3. limit set forthinParagraph above. settlementoftheclaimordefense TheLimitsofInsuranceofthisCoveragePartapply againstthe"suit";and separatelytoeachconsecutiveannualperiodandto (4) Assistus,uponourrequest,inthe any remaining period of less than 12 months, starting enforcementofanyrightagainstany withthebeginningofthepolicyperiodshowninthe personororganizationthatmaybe Declarations,unlessthepolicyperiodisextended liabletotheinsuredbecauseofinjury after issuance for anadditional periodoflessthan12 ordamagetowhichthisinsurance months.Inthatcase,theadditionalperiodwillbe may also apply. deemedpartofthelastprecedingperiodforpurposes d.ObligationsAt TheInsured's Own Cost ofdeterminingtheLimitsofInsurance. Noinsuredwill,exceptatthatinsured'sown E.LIABILITYANDMEDICALEXPENSES cost,voluntarilymakeapayment,assume GENERAL CONDITIONS anyobligation,orincuranyexpense,other thanforfirstaid,withoutourconsent. 1.Bankruptcy e.Additional Insured'sOther Insurance Bankruptcyorinsolvencyoftheinsuredorof theinsured'sestatewillnotrelieveusofour Ifwecoveraclaimor"suit"underthis obligationsunder thisCoverage Part. CoveragePartthatmayalsobecovered byotherinsuranceavailabletoan 2.DutiesInTheEventOfOccurrence, additionalinsured,suchadditionalinsured Offense, ClaimOrSuit mustsubmitsuchclaimor"suit"tothe a.NoticeOfOccurrenceOrOffense other insurerfordefenseand indemnity. Youoranyadditionalinsuredmustseeto However,thisprovisiondoesnotapplyto itthatwearenotifiedassoonas theextentthatyouhaveagreedina practicableofan"occurrence"oran writtencontract,writtenagreementor offensewhichmayresultinaclaim.To permitthatthisinsuranceisprimaryand the extentpossible,notice should include: non-contributorywiththeadditional (1) How,whenandwherethe"occurrence" insured's owninsurance. oroffensetookplace; f.KnowledgeOfAnOccurrence,Offense, (2) Thenamesandaddressesofany ClaimOrSuit injuredpersons andwitnesses;and a.b. Paragraphsandapplytoyouorto (3) Thenatureandlocationofanyinjury anyadditionalinsuredonlywhensuch ordamagearisingoutofthe "occurrence",offense,claimor"suit"is "occurrence"or offense. knownto: b.NoticeOfClaim (1) Youoranyadditionalinsuredthatis anindividual; Ifaclaimismadeor"suit"isbrought againstanyinsured,youoranyadditional (2) Anypartner,ifyouoranadditional insured must: insured is apartnership; (1) Immediately record the specifics of the (3) Anymanager,ifyouoranadditional claimor"suit"andthedatereceived; insured is alimitedliability company; and (4) Any"executiveofficer"orinsurance (2) Notify usas soonas practicable. manager,ifyouoranadditional insured is acorporation; Youoranyadditionalinsuredmustseeto itthatwereceiveawrittennoticeofthe (5) Anytrustee,ifyouoranadditional claim or"suit" assoon aspracticable. insured is atrust;or c.AssistanceAndCooperationOfThe (6) Any electedor appointedofficial, ifyou Insured oranadditionalinsuredisapolitical subdivision orpublic entity. Youand anyotherinvolved insured must: FormSS 0008 0405Page 15of24 BUSINESS LIABILITYCOVERAGE FORM f.(3) ThisParagraphappliesseparatelyto Wehaveissuedthispolicyinreliance youand anyadditional insured.uponyour representations. 3.FinancialResponsibility Lawsb.UnintentionalFailureToDisclose Hazards a. Whenthispolicyiscertifiedasproofof financialresponsibilityforthefutureunder If unintentionally youshouldfailtodisclose theprovisionsofanymotorvehicle allhazardsrelatingtotheconductofyour financialresponsibilitylaw,theinsurance businessattheinceptiondateofthis providedbythepolicyfor"bodilyinjury" CoveragePart,weshallnotdenyany liabilityand"propertydamage"liabilitywill coverageunderthisCoveragePart complywiththeprovisionsofthelawto becauseofsuch failure. theextentofthecoverageandlimitsof 7.OtherInsurance insurance required bythat law. Ifothervalidandcollectibleinsuranceis b. Withrespectto"mobileequipment"to availableforalosswecoverunderthis whichthisinsuranceapplies,wewill CoveragePart,ourobligationsarelimitedas provideanyliability,uninsuredmotorists, follows: underinsuredmotorists,no-faultorother a.Primary Insurance coveragerequiredbyanymotorvehicle b. law.Wewillprovidetherequiredlimitsfor Thisinsuranceisprimaryexceptwhen those coverages.belowapplies.Ifotherinsuranceisalso primary,wewillsharewithallthatother 4.Legal Action Against Us c. insurancebythemethoddescribedin Nopersonororganizationhasarightunder below. thisCoverage Form: b.ExcessInsurance a. Tojoinusasapartyorotherwisebringus Thisinsuranceisexcessoveranyofthe intoa"suit"askingfordamagesfroman otherinsurance,whetherprimary,excess, insured;or contingent oron anyotherbasis: b. TosueusonthisCoverageFormunless (1)YourWork allofitstermshavebeenfullycomplied with. ThatisFire,ExtendedCoverage, Builder'sRisk,InstallationRiskor Apersonororganizationmaysueustorecover similarcoverage for "yourwork"; onanagreedsettlementoronafinaljudgment againstaninsured;butwewillnotbeliablefor (2)Premises RentedTo You damagesthat are not payable under the terms of Thatisfire,lightningorexplosion thisinsuranceorthatareinexcessofthe insuranceforpremisesrentedtoyou applicablelimitofinsurance.Anagreed ortemporarilyoccupiedbyyouwith settlementmeansasettlementandreleaseof permission of the owner; liabilitysignedbyus,theinsuredandthe (3)Tenant Liability claimantortheclaimant'slegalrepresentative. Thatisinsurancepurchasedbyyouto 5.SeparationOfInsureds coveryourliabilityasatenantfor ExceptwithrespecttotheLimitsofInsurance, "propertydamage"topremisesrented andanyrightsordutiesspecificallyassigned toyouortemporarilyoccupiedbyyou inthispolicytothefirstNamedInsured,this withpermissionoftheowner; insurance applies: (4)Aircraft,Auto Or Watercraft a. AsifeachNamedInsuredweretheonly Ifthelossarisesoutofthemaintenance Named Insured;and or useofaircraft, "autos" or watercraft to b. Separatelytoeachinsuredagainstwhom g. theextentnotsubjecttoExclusionof aclaimismadeor "suit"isbrought. A. Section–Coverages. 6.Representations (5)PropertyDamageToBorrowed a.When YouAcceptThisPolicy Equipment Or UseOfElevators Byaccepting thispolicy,you agree: Ifthelossarisesoutof"property damage"toborrowedequipmentor (1) ThestatementsintheDeclarations theuseofelevatorstotheextentnot areaccurateand complete; k.A. subjecttoExclusionofSection– (2) Thosestatementsarebasedupon Coverages. representationsyou made to us; and Page 16of24FormSS 0008 0405 BUSINESS LIABILITYCOVERAGE FORM (6)WhenYouAreAddedAsAn Whenthisinsuranceisexcessoverother AdditionalInsuredToOther insurance,wewillpayonlyourshareof Insurance theamountoftheloss,ifany,that exceedsthesumof: Thatisotherinsuranceavailableto (1) youcoveringliabilityfordamages Thetotalamountthatallsuchother arisingoutofthepremisesor insurancewouldpay for the loss in the operations,or products andcompleted absenceofthis insurance;and operations,forwhichyouhavebeen (2) Thetotalofalldeductibleandself- addedasanadditionalinsuredbythat insuredamountsunderallthatother insurance;or insurance. (7)WhenYouAddOthersAsAn Wewillshare the remaining loss,if any, with AdditionalInsuredToThis anyotherinsurancethatisnotdescribedin Insurance this ExcessInsuranceprovision andwas not Thatisotherinsuranceavailabletoan boughtspecificallytoapplyinexcessofthe additionalinsured.LimitsofInsuranceshowninthe DeclarationsofthisCoveragePart. However,thefollowingprovisions c.MethodOfSharing applytootherinsuranceavailableto anypersonororganizationwhoisan Ifalltheotherinsurancepermits additional insured under thisCoverage contribution by equal shares, we will follow Part: thismethodalso.Underthisapproach, (a)PrimaryInsuranceWhen eachinsurercontributesequalamounts PriInWhen marysurance RequiredBy Contract untilithaspaiditsapplicablelimitof By Co Requiredntract insuranceornoneofthelossremains, Thisinsuranceisprimaryifyou whichevercomesfirst. haveagreedinawrittencontract, writtenagreementorpermitthat Ifanyoftheotherinsurancedoesnotpermit thisinsurancebeprimary.Ifother contributionbyequalshares,wewill insuranceisalsoprimary,wewill contributebylimits.Underthismethod,each sharewithallthatotherinsurance insurer’sshareisbasedontheratioofits c. bythemethoddescribedinapplicablelimitofinsurancetothetotal below.applicablelimitsofinsuranceofallinsurers. (b)PrimaryAndNon-Contributory8.TransferOfRightsOfRecoveryAgainst -Co PriAdNonntributory maryn ToOtherInsuranceWhen OthersTo Us Oth TIWhen oernsurance RequiredBy Contract By Co Requiredntract a.TransferOfRightsOfRecovery Ifyouhaveagreedinawritten Iftheinsuredhasrightstorecoverallor contract,writtenagreementor partofanypayment,including permitthatthisinsuranceis SupplementaryPayments,wehavemade primaryandnon-contributorywith underthisCoveragePart,thoserightsare theadditionalinsured'sown transferredtous.Theinsuredmustdo insurance,thisinsuranceis nothingafterlosstoimpairthem.Atour primaryandwewillnotseek request,theinsuredwillbring"suit"or contributionfromthatother transferthoserightstousandhelpus insurance. enforcethem.Thisconditiondoesnot (a)(b) Paragraphs and donot apply to apply to Medical ExpensesCoverage. other insurance to which the additional b.WaiverOfRightsOfRecovery(Waiver OfOf(W WaiverRightsRecoveryai ver insuredhasbeenaddedasan Of Subrogation) Of Su) brogati on additionalinsured. Iftheinsuredhaswaivedanyrightsof Whenthisinsuranceisexcess,wewill recoveryagainstanypersonor havenodutyunderthisCoveragePartto organizationforallorpartof anypayment, defend the insured against any "suit" ifany includingSupplementaryPayments,we otherinsurerhasadutytodefendthe havemadeunderthisCoveragePart,we insuredagainstthat"suit".Ifnoother alsowaivethatright,providedtheinsured insurerdefends,wewillundertaketodo waivedtheirrightsofrecoveryagainst so,butwewillbeentitledtotheinsured's suchpersonororganizationinacontract, rightsagainst allthoseotherinsurers. agreementorpermitthatwasexecuted prior to the injuryor damage. FormSS 0008 0405Page 17of24 BUSINESS LIABILITYCOVERAGE FORM 3.Additional Insured-GrantorOfFranchise F.OPTIONALADDITIONALINSURED COVERAGES C. WHOISANINSUREDunderSectionis amendedtoincludeasanadditionalinsured If listed or shown as applicable in the Declarations, theperson(s)ororganization(s)showninthe oneormoreofthefollowingOptionalAdditional DeclarationsasanAdditionalInsured- InsuredCoverages also apply. When any of these GrantorOfFranchise,butonlywithrespectto OptionalAdditionalInsuredCoveragesapply, theirliability asgrantoroffranchise to you. 6. Paragraph(AdditionalInsuredsWhenRequired 4.AdditionalInsured-LessorOfLeased byWrittenContract,WrittenAgreementorPermit) Equipment C. ofSection,WhoIsAnInsured,doesnotapply tothepersonororganizationshowninthe a.C. WHO IS AN INSURED under Section is Declarations.Thesecoveragesaresubjecttothe amendedtoincludeasanadditional termsandconditionsapplicabletoBusiness insuredtheperson(s)ororganization(s) LiabilityCoverageinthispolicy,exceptas shown in the Declarations as an Additional provided below: Insured–LessorofLeasedEquipment, butonlywithrespecttoliabilityfor"bodily 1.AdditionalInsured-DesignatedPersonOr injury","propertydamage"or"personal Organization andadvertisinginjury"caused,inwholeor C. WHOISANINSUREDunderSectionis inpart,byyourmaintenance,operationor amendedtoincludeasanadditionalinsured useofequipmentleasedtoyoubysuch theperson(s)ororganization(s)showninthe person(s)or organization(s). Declarations,butonlywithrespecttoliability b. Withrespecttotheinsuranceaffordedto for"bodilyinjury","propertydamage"or theseadditionalinsureds,thisinsurance "personalandadvertisinginjury"caused,in doesnotapplytoany"occurrence"which wholeorinpart,byyouractsoromissionsor takesplaceafteryouceasetoleasethat theactsoromissionsofthoseactingonyour equipment. behalf: 5.AdditionalInsured-OwnersOrOther a. Intheperformanceofyourongoing InterestsFromWhomLandHasBeen operations; or Leased b. Inconnectionwithyourpremisesowned a.C. WHO IS AN INSURED under Section is byor rented to you. amendedtoincludeasanadditional 2.AdditionalInsured-ManagersOrLessors insuredtheperson(s)ororganization(s) Of Premises shown in the Declarations as an Additional a.C. WHOISANINSUREDunderSectionis Insured– Owners Or OtherInterestsFrom amendedtoincludeasanadditionalinsured WhomLandHasBeenLeased,butonly the person(s) or organization(s)shown in the withrespecttoliabilityarisingoutofthe DeclarationsasanAdditionalInsured- ownership, maintenance or useofthat part DesignatedPersonOrOrganization;butonly ofthelandleased to youand showninthe withrespecttoliabilityarisingoutofthe Declarations. ownership,maintenanceoruseofthatpartof b. Withrespecttotheinsuranceaffordedto the premises leasedtoyou andshown in the theseadditionalinsureds,thefollowing Declarations. additionalexclusions apply: b. Withrespecttotheinsuranceaffordedto Thisinsurancedoes not apply to: theseadditionalinsureds,thefollowing (1) Any"occurrence"thattakesplace additionalexclusions apply: afteryou ceasetoleasethat land;or Thisinsurancedoes not apply to: (2) Structuralalterations,new (1) Any"occurrence"whichtakesplace constructionordemolitionoperations afteryouceasetobeatenantinthat performedbyoronbehalfofsuch premises; or personor organization. (2) Structuralalterations,new 6.AdditionalInsured-StateOrPolitical constructionordemolitionoperations Subdivision–Permits performedbyoronbehalfofsuch a.C. WHO IS AN INSURED under Section is personor organization. amendedtoincludeasanadditional insuredthestateorpoliticalsubdivision shown in the Declarations as an Additional Page 18of24FormSS 0008 0405 BUSINESS LIABILITYCOVERAGE FORM (e) Insured–StateOrPoliticalSubdivision-Anyfailuretomakesuch Permits,butonlywithrespectto inspections,adjustments,testsor operationsperformedbyyouoronyour servicingasthevendorhasagreed behalfforwhichthestateorpolitical tomakeornormallyundertakesto subdivision hasissueda permit.makeintheusualcourseof business,inconnectionwiththe b. Withrespecttotheinsuranceaffordedto distributionorsaleoftheproducts; theseadditionalinsureds,thefollowing (f) Demonstration,installation, additionalexclusions apply: servicingorrepairoperations, Thisinsurancedoes not apply to: exceptsuchoperationsperformed (1) "Bodilyinjury","propertydamage"or atthevendor'spremisesin "personalandadvertisinginjury" connectionwiththesaleofthe arisingoutofoperationsperformedfor product; the stateor municipality;or (g) Productswhich,afterdistribution (2) "Bodilyinjury"or"propertydamage" orsalebyyou,havebeenlabeled includedinthe"product-completed orrelabeledorusedasa operations"hazard. container,partor ingredient of any 7.Additional Insured–Vendors otherthingorsubstancebyorfor the vendor; or a.C. WHO IS AN INSURED under Section is amendedtoincludeasanadditional (h) "Bodilyinjury"or"property insuredtheperson(s)ororganization(s) damage"arisingoutofthesole (referredtobelowasvendor)shown in the negligenceofthevendorforits DeclarationsasanAdditionalInsured- ownactsoromissionsorthoseof Vendor,butonlywithrespectto"bodily itsemployeesoranyoneelse injury"or"propertydamage"arisingoutof acting onits behalf. However, this "yourproducts"whicharedistributedor exclusiondoes not apply to: soldintheregularcourseofthevendor's (i) Theexceptionscontainedin businessandonlyifthisCoveragePart (d)(f) Subparagraphsor ;or providescoveragefor"bodilyinjury"or (ii) Suchinspections, "propertydamage"includedwithinthe adjustments,tests or servicing "products-completed operationshazard". asthevendorhasagreedto b. Theinsuranceaffordedtothevendoris makeornormallyundertakes subjecttothefollowingadditionalexclusions: tomakeintheusualcourseof (1) Thisinsurancedoes not apply to: business,inconnectionwith thedistributionorsaleofthe (a) "Bodilyinjury"or"property products. damage"forwhichthevendoris obligatedtopaydamagesby (2) Thisinsurancedoesnotapplytoany reasonoftheassumptionof insuredpersonororganizationfrom liability in acontract or agreement. whomyouhaveacquiredsuch Thisexclusiondoesnotapplyto products,oranyingredient,partor liabilityfordamagesthatthe container,enteringinto, vendorwouldhaveintheabsence accompanyingorcontainingsuch of the contractor agreement; products. (b) Anyexpresswarranty 8.Additional Insured–Controlling Interest unauthorizedby you; C. WHOISANINSUREDunderSectionis (c) Anyphysicalorchemicalchange amendedtoincludeasanadditionalinsured intheproductmadeintentionally theperson(s)ororganization(s)showninthe bythevendor; DeclarationsasanAdditionalInsured– ControllingInterest,butonlywithrespectto (d) Repackaging,unlessunpacked theirliability arisingoutof: solelyforthepurposeofinspection, demonstration,testing,orthe a. Theirfinancial controlofyou;or substitutionofpartsunder b. Premisestheyown,maintainorcontrol instructionsfromthemanufacturer, whileyou lease oroccupy these premises. andthenrepackagedintheoriginal container; FormSS 0008 0405Page 19of24 BUSINESS LIABILITYCOVERAGE FORM Thisinsurancedoesnotapplytostructural Thelimitsofinsurancethatapplytoadditional D. alterations,newconstructionanddemolition insuredsaredescribedinSection–LimitsOf operationsperformedbyorforthatpersonor Insurance. organization. Howthisinsuranceapplieswhenotherinsurance 9.AdditionalInsured–Owners,LesseesOr isavailabletoanadditionalinsuredisdescribedin Contractors–ScheduledPersonOr E. theOtherInsuranceConditioninSection– Organization LiabilityAndMedicalExpensesGeneral Conditions. a.C. WHO IS AN INSURED under Section is amendedtoincludeasanadditional G.LIABILITYANDMEDICALEXPENSES insuredtheperson(s)ororganization(s) DEFINITIONS shown in the Declarations as an Additional 1. "Advertisement"meansthewidespreadpublic Insured–Owner,Lessees Or Contractors, disseminationofinformationorimagesthat butonlywithrespecttoliabilityfor"bodily hasthepurposeofinducingthesaleofgoods, injury","propertydamage"or"personal products orservicesthrough: andadvertisinginjury"caused,inwholeor inpart,byyouractsoromissionsorthe a. (1) Radio; actsoromissionsofthoseactingonyour (2) Television; behalf: (3) Billboard; (1) Intheperformanceofyourongoing (4) Magazine; operationsfortheadditional (5) Newspaper; insured(s);or b. TheInternet,butonlythatpartofaweb (2) Inconnectionwith"yourwork" sitethatisaboutgoods,productsor performedforthatadditionalinsured servicesforthepurposesofinducingthe andincludedwithinthe"products- sale of goods, products orservices; or completedoperationshazard",but c. Anyotherpublicationthatisgiven onlyifthisCoveragePartprovides widespread publicdistribution. coveragefor"bodilyinjury"or "propertydamage"includedwithinthe However, "advertisement"does not include: "products-completedoperations a. Thedesign,printedmaterial,information hazard". orimagescontainedin,onoruponthe b. Withrespecttotheinsuranceaffordedto packagingorlabelingofanygoodsor theseadditionalinsureds,thisinsurance products;or doesnotapplyto"bodilyinjury","property b. Aninteractiveconversationbetweenor damage"or"personalanadvertising amongpersonsthroughacomputernetwork. injury"arisingoutoftherenderingof,or 2. "Advertisingidea"meansanyideaforan thefailuretorender,anyprofessional "advertisement". architectural,engineeringorsurveying services,including: 3. "Asbestoshazard"meansanexposureor threatofexposuretotheactualoralleged (1) Thepreparing,approving,orfailureto propertiesofasbestosandincludesthemere prepareorapprove,maps,shop presenceofasbestosinanyform. drawings,opinions,reports,surveys, fieldorders, change orders, designs or 4. "Auto"meansalandmotorvehicle,traileror drawings andspecifications; or semi-trailerdesignedfortravelonpublic roads,includinganyattachedmachineryor (2) Supervisory,inspection,architectural equipment.But"auto"doesnotinclude orengineering activities. "mobile equipment". 10.AdditionalInsured–Co-OwnerOfInsured 5. "Bodilyinjury" means physical: Premises a. Injury; C. WHOISANINSUREDunderSectionis amendedtoincludeasanadditionalinsured b. Sickness; or theperson(s)orOrganization(s)showninthe c. Disease DeclarationsasanAdditionalInsured–Co- sustainedbyapersonand,ifarisingoutofthe OwnerOfInsuredPremises,butonlywith above, mental anguish ordeathatany time. respecttotheirliabilityasco-ownerofthe premisesshown in the Declarations. 6. "Coverageterritory"means: Page 20of24FormSS 0008 0405 BUSINESS LIABILITYCOVERAGE FORM a.b. The United States of America(includingits Youhavefailedtofulfillthetermsofa territoriesandpossessions),PuertoRico contractor agreement; andCanada; ifsuch property canbe restored to useby: b. Internationalwaters orairspace, but only if a. Therepair,replacement,adjustmentor theinjuryordamageoccursinthecourse removalof"yourproduct"or"yourwork"; oftravelortransportationbetweenany or a. places includedinabove; b. Yourfulfillingthetermsofthecontractor c. Allotherpartsoftheworldiftheinjuryor agreement. damage arises out of: 12. "Insured contract"means: (1) Goodsorproductsmadeorsoldbyyou a .Acontractforaleaseofpremises. a. intheterritorydescribedinabove; However,thatportionofthecontractfora (2) Theactivities of a person whose home leaseofpremisesthatindemnifiesany a isintheterritorydescribedin. personororganizationfordamagebyfire, above,butisawayforashorttimeon lightningorexplosiontopremiseswhile yourbusiness; or rentedtoyouortemporarilyoccupiedby (3) "Personalandadvertisinginjury" youwithpermissionoftheowneris offensesthattakeplacethroughthesubjecttotheDamageToPremises Internetorsimilarelectronicmeansof RentedToYoulimitdescribedinSection D. communication–LiabilityandMedicalExpensesLimits of Insurance. providedtheinsured'sresponsibilitytopay b. damagesisdeterminedintheUnitedStatesof Asidetrack agreement; America(includingitsterritoriesand c. Anyeasementorlicenseagreement, possessions),PuertoRicoorCanada,ina includinganeasementorlicense "suit"onthemeritsaccordingtothe agreementinconnectionwithconstruction substantivelawinsuchterritory,orina ordemolitionoperationsonorwithin50 settlement weagree to. feetofa railroad; 7. "Electronicdata"meansinformation,factsor d. Anyobligation,asrequiredbyordinance, programs: toindemnifyamunicipality,exceptin a. Stored asor on;connectionwith workfora municipality; b. Created orused on; or e. Anelevator maintenance agreement; or c. Transmitted to orfrom f. Thatpartofanyothercontractor agreementpertainingtoyourbusiness computersoftware,includingsystemsand (includinganindemnificationofa applicationssoftware,hardorfloppydisks, municipalityinconnectionwithwork CD-ROMS,tapes,drives,cells,data performedforamunicipality)underwhich processingdevicesoranyothermediawhich youassumethetortliabilityofanother areusedwithelectronicallycontrolled partytopayfor"bodilyinjury"or"property equipment. damage"toathirdpersonororganization, 8. "Employee"includesa"leasedworker". providedthe"bodilyinjury"or"property "Employee"doesnotincludea"temporary damage"iscaused,inwholeorinpart,by worker". youorbythoseactingonyourbehalf. 9. "Executiveofficer"meansapersonholding Tortliabilitymeansaliabilitythatwould be anyoftheofficerpositionscreatedbyyour imposedbylawintheabsenceofany charter,constitution,by-lawsoranyother contractor agreement. similargoverningdocument. f. Paragraphincludesthatpartofany 10. "Hostilefire"meansonewhichbecomes contractoragreementthatindemnifiesa uncontrollableorbreaksoutfromwhereitwas railroadfor"bodilyinjury"or"property intendedtobe. damage"arisingoutofconstructionor demolitionoperationswithin50feetofany 11. "Impairedproperty"meanstangibleproperty, railroadpropertyandaffectingany railroad otherthan"yourproduct"or"yourwork",that bridgeortrestle,tracks,road-beds,tunnel, cannot beused orislessuseful because: underpassor crossing. a. Itincorporates"yourproduct"or"yourwork" f. However,Paragraphdoesnotinclude thatisknownorthoughttobedefective, thatpartofany contractor agreement: deficient,inadequateordangerous;or FormSS 0008 0405Page 21of24 BUSINESS LIABILITYCOVERAGE FORM (1)(1) Thatindemnifiesanarchitect, Powercranes,shovels,loaders, engineerorsurveyorforinjuryor diggers ordrills; or damage arisingoutof: (2) Roadconstructionorresurfacing (a) Preparing,approvingorfailingto equipmentsuchasgraders,scrapers prepareorapprovemaps,shop orrollers; drawings,opinions,reports, e.a.b.c.d. Vehiclesnotdescribedin,,,or surveys,fieldorders,change abovethatarenotself-propelledandare orders,designsordrawingsand maintainedprimarilytoprovidemobilityto specifications;or permanentlyattachedequipmentofthe (b) Givingdirectionsorinstructions, followingtypes: or failingtogivethem,if that is the (1) Aircompressors,pumpsand primarycauseoftheinjuryor generators,includingspraying, damage;or welding,buildingcleaning, (2) Underwhichtheinsured,ifan geophysicalexploration,lightingand architect,engineerorsurveyor, wellservicing equipment;or assumesliabilityforaninjuryor (2) Cherrypickersandsimilardevices damagearisingoutoftheinsured's usedtoraiseor lower workers; renderingorfailuretorender f.a.b.c.d. Vehiclesnotdescribedin,,,or professionalservices,includingthose abovemaintainedprimarilyforpurposes (1) listedinaboveandsupervisory, otherthanthetransportationofpersonsor inspection,architecturalor cargo. engineeringactivities. However,self-propelledvehicleswiththe 13. "Leasedworker"meansapersonleasedto followingtypesofpermanentlyattached youbyalaborleasingfirmunderan equipmentarenot"mobileequipment"but agreementbetweenyouandthelaborleasing will beconsidered"autos": firm, to perform duties related to the conduct of (1) Equipment,ofatleast1,000pounds yourbusiness."Leasedworker"doesnot grossvehicleweight,designed includea "temporaryworker". primarilyfor: 14. "Loadingorunloading"meansthehandlingof (a) Snowremoval; property: (b) Roadmaintenance,butnot a. Afteritismovedfromtheplacewhereitis construction orresurfacing;or acceptedformovementintoorontoan aircraft,watercraftor "auto"; (c) Streetcleaning; b. Whileit is in oron anaircraft, watercraft or (2) Cherrypickersandsimilardevices "auto";or mountedonautomobileortruck chassisandusedtoraiseorlower c. Whileitisbeingmovedfromanaircraft, workers; and watercraftor"auto"totheplacewhere itis finallydelivered; (3) Aircompressors,pumpsand generators,includingspraying, but"loadingorunloading"doesnotincludethe welding,buildingcleaning, movement of property by means of a mechanical geophysicalexploration,lightingand device,otherthanahandtruck,thatisnot wellservicing equipment. attachedtotheaircraft,watercraftor"auto". 16. "Occurrence"meansanaccident,including 15. "Mobile equipment" means any ofthefollowing continuousorrepeatedexposuretosubstantially typesoflandvehicles,includinganyattached thesamegeneralharmfulconditions. machineryor equipment: 17. "Personaland advertising injury" means injury, a. Bulldozers,farmmachinery,forkliftsand includingconsequential"bodilyinjury",arising othervehiclesdesignedforuseprincipally out of oneor more of the followingoffenses: offpublic roads; a. Falsearrest, detention orimprisonment; b. Vehiclesmaintainedforusesolelyonor next to premisesyou ownor rent; b. Maliciousprosecution; c. Vehicles thattravel oncrawlertreads; d. Vehicles,whetherself-propelledornot,on which arepermanentlymounted: Page 22of24FormSS 0008 0405 BUSINESS LIABILITYCOVERAGE FORM c. Thewrongfulevictionfrom,wrongfulentryWork thatmayneed service,maintenance, into,orinvasionoftherightofprivate correction,repairorreplacement,but occupancyofaroom,dwellingor whichisotherwisecomplete,willbe premisesthatthepersonoccupies, treatedas completed. committedbyoronbehalfofitsowner, The"bodilyinjury"or"propertydamage" landlordor lessor; mustoccurawayfrompremisesyouown d. Oral,writtenorelectronicpublicationof orrent,unlessyourbusinessincludesthe materialthatslandersorlibelsapersonor selling,handlingordistributionof"your organizationordisparagesaperson'sor product"forconsumptiononpremisesyou organization's goods, products orservices;ownor rent. e.b. Oral,writtenorelectronicpublicationof Doesnotinclude"bodilyinjury"or materialthatviolatesaperson'srightof "property damage" arisingoutof: privacy; (1) Thetransportationofproperty,unless f. Copying,inyour"advertisement",a theinjuryordamagearisesoutofa person’sororganization’s"advertising conditioninoronavehiclenotowned idea" orstyle of "advertisement"; oroperatedbyyou,andthatcondition wascreatedbythe"loadingor g. Infringement of copyright, slogan, or title of unloading"ofthatvehiclebyany anyliteraryorartisticwork,inyour insured;or "advertisement"; or (2) Theexistenceoftools,uninstalled h. Discriminationorhumiliationthatresultsin equipmentorabandonedorunused injurytothefeelingsorreputationofa materials. naturalperson. 20. "Property damage" means: 18. "Pollutants"meansanysolid,liquid,gaseousor thermalirritantorcontaminant,includingsmoke, a. Physicalinjurytotangibleproperty, vapor,soot,fumes,acids,alkalis,chemicalsand includingallresultinglossofuseofthat waste.Wasteincludesmaterialstoberecycled, property.Allsuchlossofuseshallbe reconditionedorreclaimed. deemedtooccuratthetimeofthe physicalinjury thatcaused it; or 19. "Products-completed operationshazard"; b. Lossofuseoftangiblepropertythatisnot a. Includesall"bodilyinjury"and"property physicallyinjured.Allsuchlossofuse damage"occurringawayfrompremises shallbedeemedtooccuratthetimeof youownorrentandarisingoutof"your "occurrence"that causedit. product" or"your work"except: Asusedinthisdefinition,"electronicdata"is (1) Productsthatarestillinyourphysical not tangible property. possession;or 21. "Suit"meansacivilproceedinginwhich (2) Workthathasnotyetbeencompleted damagesbecauseof"bodilyinjury","property orabandoned.However,"yourwork" damage"or"personalandadvertisinginjury" willbedeemedtobecompletedatthe towhichthisinsuranceappliesarealleged. earliest of the followingtimes: "Suit"includes: (a) Whenalloftheworkcalledforin a. Anarbitrationproceedinginwhichsuch yourcontract hasbeen completed. damagesareclaimedandtowhichthe (b) Whenall of the work to bedone at insuredmustsubmitordoessubmitwith thejobsitehasbeencompletedif ourconsent; or yourcontractcallsforworkat b. Anyotheralternativedisputeresolution more than onejobsite. proceedinginwhichsuchdamagesare (c) When that part of the workdone at claimedandtowhichtheinsuredsubmits ajobsitehasbeenputtoits withour consent. intendedusebyanypersonor 22. "Temporaryworker"meansapersonwhois organizationotherthananother furnishedtoyoutosubstituteforapermanent contractororsubcontractor "employee"onleaveortomeetseasonalor working onthesameproject. short-termworkloadconditions. 23. "Volunteerworker" means aperson who: a. Is not your"employee"; FormSS 0008 0405Page 23of24 BUSINESS LIABILITYCOVERAGE FORM b.(2) Donates his orher work;Theprovidingoforfailuretoprovide warnings orinstructions. c. Actsatthedirectionofandwithinthe c. scopeofduties determined byyou;andDoesnotincludevendingmachinesor d. Isnotpaidafee,salaryorother otherpropertyrentedtoorlocatedforthe compensationbyyouoranyoneelsefor useofothersbutnotsold. theirwork performedforyou. 25 ."Yourwork": 24. "Yourproduct": a. Means: a. Means: (1) Workoroperationsperformedbyyou (1) Any goodsor products,otherthanreal oron yourbehalf;and property, manufactured, sold, handled, (2) Materials,partsorequipment distributedor disposed of by: furnished in connectionwith suchwork (a) You;oroperations. (b)b. Otherstradingunderyourname; Includes: or (1) Warrantiesor representations made at (c) Apersonororganizationwhose anytimewithrespecttothefitness, businessorassetsyouhave quality,durability,performanceoruse acquired;andof "yourwork";and (2)(2) Containers(otherthanvehicles), Theprovidingoforfailuretoprovide materials,partsorequipment warnings orinstructions. furnishedinconnectionwithsuch goodsor products. b. Includes: (1) Warrantiesor representations made at anytimewithrespecttothefitness, quality,durability,performanceoruse of "yourproduct"; and Page 24of24FormSS 0008 0405 COMMERCIALAUTOMOBILE HA99160312 THISENDORSEMENTCHANGESTHEPOLICY.PLEASEREADITCAREFULLY. COMMERCIALAUTOMOBILEBROADFORM ENDORSEMENT Thisendorsementmodifiesinsuranceprovidedunderthefollowing: BUSINESSAUTOCOVERAGEFORM Totheextentthattheprovisionsofthisendorsementprovidebroaderbenefitstothe"insured"thanother provisionsoftheCoverageForm,theprovisionsofthisendorsementapply. 1.BROADFORMINSURED d.Any"employee"ofyourswhileusinga covered"auto"youdon'town,hireor A.SubsidiariesandNewlyAcquiredor borrowinyourbusinessoryour FormedOrganizations personalaffairs. TheNamedInsuredshowninthe C.LessorsasInsureds Declarationsisamendedtoinclude: ParagraphA.1.-WHOISANINSURED-of (1)Anylegalbusinessentityotherthana SectionII-LiabilityCoverageisamendedto partnershiporjointventure,formedasa add: subsidiaryinwhichyouhavean ownershipinterestofmorethan50%on e.Thelessorofacovered"auto"whilethe theeffectivedateoftheCoverageForm. "auto"isleasedtoyouunderawritten However,theNamedInsureddoesnot agreementif: includeanysubsidiarythatisan (1)Theagreementrequiresyouto "insured"underanyotherautomobile providedirectprimaryinsurancefor policyorwouldbean"insured"under thelessorand suchapolicybutforitsterminationor (2)The"auto"isleasedwithoutadriver. theexhaustionofitsLimitofInsurance. Suchaleased"auto"willbeconsidereda (2)Anyorganizationthatisacquiredor covered"auto"youownandnotacovered formedbyyouandoverwhichyou "auto"youhire. maintainmajorityownership.However, theNamedInsureddoesnotincludeany D.AdditionalInsuredifRequiredbyContract newlyformedoracquiredorganization: (1)ParagraphA.1.-WHOISANINSURED (a)Thatisapartnershiporjoint -ofSectionII-LiabilityCoverageis venture, amendedtoadd: (b)Thatisan"insured"underanyother f.Whenyouhaveagreed,inawritten policy, contractorwrittenagreement,thata (c)ThathasexhausteditsLimitof personororganizationbeaddedas Insuranceunderanyotherpolicy,or anadditionalinsuredonyour businessautopolicy,suchpersonor (d)180daysormoreafterits organizationisan"insured",butonly acquisitionorformationbyyou, totheextentsuchpersonor unlessyouhavegivenusnoticeof organizationisliablefor"bodily theacquisitionorformation. injury"or"propertydamage"caused Coveragedoesnotapplyto"bodily bytheconductofan"insured"under injury"or"propertydamage"thatresults paragraphsa.orb.ofWhoIsAn froman"accident"thatoccurredbefore Insuredwithregardtothe youformedoracquiredtheorganization. ownership,maintenanceoruseofa B.EmployeesasInsureds covered"auto." ParagraphA.1.-WHOISANINSURED-of SECTIONII-LIABILITYCOVERAGEis amendedtoadd: ©2011,TheHartford(Includescopyrightedmaterial FormHA99160312Page1of5 ofISOProperties,Inc.,withitspermission.) E.PrimaryandNon-Contributoryif Theinsuranceaffordedtoanysuch RequiredbyContract additionalinsuredappliesonlyifthe "bodilyinjury"or"propertydamage" Onlywithrespecttoinsuranceprovidedto occurs: anadditionalinsuredin1.D.-Additional (1)Duringthepolicyperiod,andInsuredIfRequiredbyContract,the followingprovisionsapply: (2)Subsequenttotheexecutionofsuch writtencontract,and(3)PrimaryInsuranceWhenRequiredBy Contract (3)Priortotheexpirationoftheperiod oftimethatthewrittencontractThisinsuranceisprimaryifyouhave requiressuchinsurancebeprovidedagreedinawrittencontractorwritten totheadditionalinsured.agreementthatthisinsurancebe primary.Ifotherinsuranceisalso (2)HowLimitsApply primary,wewillsharewithallthatother Ifyouhaveagreedinawrittencontract insurancebythemethoddescribedin orwrittenagreementthatanother OtherInsurance5.d. personororganizationbeaddedasan (4)PrimaryAndNon-ContributoryToOther additionalinsuredonyourpolicy,the InsuranceWhenRequiredByContract mostwewillpayonbehalfofsuch additionalinsuredisthelesserof:Ifyouhaveagreedinawrittencontract orwrittenagreementthatthisinsurance (a)Thelimitsofinsurancespecifiedin isprimaryandnon-contributorywiththe thewrittencontractorwritten additionalinsured'sowninsurance,this agreement;or insuranceisprimaryandwewillnot (b)TheLimitsofInsuranceshownin seekcontributionfromthatother theDeclarations. insurance. Suchamountshallbeapartofandnot (3)(4) Paragraphsanddonotapplytoother inadditiontoLimitsofInsuranceshown insurancetowhichtheadditionalinsured intheDeclarationsanddescribedinthis hasbeenaddedasanadditionalinsured. Section. Whenthisinsuranceisexcess,wewillhaveno (3)AdditionalInsuredsOtherInsurance dutytodefendtheinsuredagainstany"suit"if Ifwecoveraclaimor"suit"underthis anyotherinsurerhasadutytodefendthe CoveragePartthatmayalsobecovered insuredagainstthat"suit".Ifnootherinsurer byotherinsuranceavailabletoan defends,wewillundertaketodoso,butwewill additionalinsured,suchadditional beentitledtotheinsured'srightsagainstall insuredmustsubmitsuchclaimor"suit" thoseotherinsurers. totheotherinsurerfordefenseand Whenthisinsuranceisexcessoverother indemnity. insurance,wewillpayonlyourshareofthe However,thisprovisiondoesnotapply amountoftheloss,ifany,thatexceedsthesum totheextentthatyouhaveagreedina of: writtencontractorwrittenagreement (1)Thetotalamountthatallsuchother thatthisinsuranceisprimaryandnon- insurancewouldpayforthelossinthe contributorywiththeadditionalinsured's absenceofthisinsurance;and owninsurance. (2)Thetotalofalldeductibleandself-insured (4)DutiesinTheEventOfAccident,Claim, amountsunderallthatotherinsurance. SuitorLoss Wewillsharetheremainingloss,ifany,bythe Ifyouhaveagreedinawrittencontract methoddescribedinOtherInsurance5.d. orwrittenagreementthatanother 2.AUTOSRENTEDBYEMPLOYEES personororganizationbeaddedasan additionalinsuredonyourpolicy,theAny"auto"hiredorrentedbyyour"employee" additionalinsuredshallberequiredtoonyourbehalfandatyourdirectionwillbe complywiththeprovisionsinLOSSconsideredan"auto"youhire. CONDITIONS2.-DUTIESINTHE TheOTHERINSURANCEConditionisamended EVENTOFACCIDENT,CLAIM,SUIT byaddingthefollowing: ORLOSS–OFSECTIONIV– BUSINESSAUTOCONDITIONS,inthe samemannerastheNamedInsured. ©2011,TheHartford(Includescopyrightedmaterial FormHA99160312Page2of5 ofISOProperties,Inc.,withitspermission.) 5PHYSICALDAMAGE-ADDITIONAL Ifan"employee’s"personalinsurancealso. TEMPORARYTRANSPORTATIONEXPENSE appliesonanexcessbasistoacovered"auto" COVERAGE hiredorrentedbyyour"employee"onyour behalfandatyourdirection,thisinsurancewill ParagraphA.4.a.ofSECTIONIII-PHYSICAL beprimarytothe"employee’s"personal DAMAGECOVERAGEisamendedtoprovidea insurance. limitof$50perdayandamaximumlimitof 3.AMENDEDFELLOWEMPLOYEEEXCLUSION $1,000. 6.LOAN/LEASEGAPCOVERAGE EXCLUSION5.-FELLOWEMPLOYEE-of SECTIONII-LIABILITYCOVERAGEdoesnot UnderSECTIONIII-PHYSICALDAMAGE applyifyouhaveworkers'compensation COVERAGE,intheeventofatotal"loss"toa insurancein-forcecoveringallofyour covered"auto",wewillpayyouradditionallegal "employees". obligationforanydifferencebetweentheactual Coverageisexcessoveranyothercollectiblecashvalueofthe"auto"atthetimeofthe"loss" insurance.andthe"outstandingbalance"oftheloan/lease. 4.HIREDAUTOPHYSICALDAMAGECOVERAGE "Outstandingbalance"meanstheamountyou oweontheloan/leaseatthetimeof"loss"less Ifhired"autos"arecovered"autos"forLiability anyamountsrepresentingtaxes;overdue CoverageandifComprehensive,Specified payments;penalties,interestorcharges CausesofLoss,orCollisioncoveragesare resultingfromoverduepayments;additional providedunderthisCoverageFormforany mileagecharges;excesswearandtearcharges; "auto"youown,thenthePhysicalDamage leaseterminationfees;securitydepositsnot Coveragesprovidedareextendedto"autos"you returnedbythelessor;costsforextended hireorborrow,subjecttothefollowinglimit. warranties,creditlifeInsurance,health,accident Themostwewillpayfor"loss"toanyhired ordisabilityinsurancepurchasedwiththeloanor "auto"is: lease;andcarry-overbalancesfromprevious (1)$100,000; loansorleases. (2)Theactualcashvalueofthedamagedor 7.AIRBAGCOVERAGE stolenpropertyatthetimeofthe"loss";or UnderParagraphB.EXCLUSIONS-of (3)Thecostofrepairingorreplacingthe SECTIONIII-PHYSICALDAMAGE damagedorstolenproperty, COVERAGE,thefollowingisadded: whicheverissmallest,minusadeductible.The Theexclusionrelatingtomechanicalbreakdown deductiblewillbeequaltothelargestdeductible doesnotapplytotheaccidentaldischargeofan applicabletoanyowned"auto"forthat airbag. coverage.Nodeductibleappliesto"loss"caused 8.ELECTRONICEQUIPMENT-BROADENED byfireorlightning.HiredAutoPhysicalDamage COVERAGE coverageisexcessoveranyothercollectible a.TheexceptionstoParagraphsB.4- insurance.Subjecttotheabovelimit,deductible EXCLUSIONS-ofSECTIONIII-PHYSICAL andexcessprovisions,wewillprovidecoverage DAMAGECOVERAGEarereplacedbythe equaltothebroadestcoverageapplicabletoany following: covered"auto"youown. 4.c.4.d. Exclusionsanddonotapplyto Wewillalsocoverlossofuseofthehired"auto" equipmentdesignedtobeoperatedsolely ifitresultsfroman"accident",youarelegally byuseofthepowerfromthe"auto's" liableandthelessorincursanactualfinancial electricalsystemthat,atthetimeof"loss", loss,subjecttoamaximumof$1000per is: "accident". (1)Permanentlyinstalledinorupon Thisextensionofcoveragedoesnotapplyto thecovered"auto"; any"auto"youhireorborrowfromanyofyour "employees",partners(ifyouareapartnership),(2)Removablefromahousingunit members(ifyouarealimitedliabilitycompany),whichispermanentlyinstalledin ormembersoftheirhouseholds.oruponthecovered"auto"; (3)Anintegralpartofthesameunit housinganyelectronic equipmentdescribedin Paragraphs(1)and(2)above;or ©2011,TheHartford(Includescopyrightedmaterial FormHA99160312Page3of5 ofISOProperties,Inc.,withitspermission.) (4)NecessaryforthenormalIfanotherHartfordFinancialServicesGroup, operationofthecovered"auto"orInc.companypolicyorcoverageformthatisnot themonitoringofthecoveredanautomobilepolicyorcoverageformappliesto "auto's"operatingsystem.thesame"accident",thefollowingapplies: b.SectionIII–VersionCA00010310ofthe(1)IfthedeductibleunderthisBusinessAuto BusinessAutoCoverageForm,PhysicalCoverageFormisthesmaller(orsmallest) DamageCoverage,LimitofInsurance,deductible,itwillbewaived; ParagraphC.2andVersionCA00011001of (2)IfthedeductibleunderthisBusinessAuto theBusinessAutoCoverageForm,Physical CoverageFormisnotthesmaller(or DamageCoverage,LimitofInsurance, smallest)deductible,itwillbereducedby ParagraphCareeachamendedtoaddthe theamountofthesmaller(orsmallest) following: deductible. $1,500isthemostwewillpayfor"loss"in 12.AMENDEDDUTIESINTHEEVENTOF anyone"accident"toallelectronic ACCIDENT,CLAIM,SUITORLOSS equipment(otherthanequipmentdesigned TherequirementinLOSSCONDITIONS2.a.- solelyforthereproductionofsound,and DUTIESINTHEEVENTOFACCIDENT,CLAIM, accessoriesusedwithsuchequipment) SUITORLOSS-ofSECTIONIV-BUSINESS thatreproduces,receivesortransmits AUTOCONDITIONSthatyoumustnotifyusof audio,visualordatasignalswhich,atthe an"accident"appliesonlywhenthe"accident"is timeof"loss",is: knownto: (1)Permanentlyinstalledinorupon (1)You,ifyouareanindividual; thecovered"auto"inahousing, (2)Apartner,ifyouareapartnership; openingorotherlocationthatisnot normallyusedbythe"auto" (3)Amember,ifyouarealimitedliability manufacturerfortheinstallationof company;or suchequipment; (4)Anexecutiveofficerorinsurancemanager,if (2)Removablefromapermanently youareacorporation. installedhousingunitasdescribed 13.UNINTENTIONALFAILURETODISCLOSE inParagraph2.a.aboveorisan HAZARDS integralpartofthatequipment;or Ifyouunintentionallyfailtodiscloseanyhazards (3)Anintegralpartofsuchequipment. existingattheinceptiondateofyourpolicy,we c.Foreachcovered"auto",shouldlossbelimited willnotdenycoverageunderthisCoverage toelectronicequipmentonly,ourobligationto Formbecauseofsuchfailure. payfor,repair,returnorreplacedamagedor 14.HIREDAUTO-COVERAGETERRITORY stolenelectronicequipmentwillbereducedby Paragraphe.ofGENERALCONDITIONS7.- theapplicabledeductibleshowninthe POLICYPERIOD,COVERAGETERRITORY- Declarations,or$250,whicheverdeductibleis ofSECTIONIV-BUSINESSAUTO less. CONDITIONSisreplacedbythefollowing: 9.EXTRAEXPENSE-BROADENED e.Forshort-termhired"autos",thecoverage COVERAGE territorywithrespecttoLiabilityCoverageis UnderParagraphA.-COVERAGE-ofSECTION anywhereintheworldprovidedthatifthe III-PHYSICALDAMAGECOVERAGE,wewill "insured's"responsibilitytopaydamagesfor payfortheexpenseofreturningastolencovered "bodilyinjury"or"propertydamage"is "auto"toyou. determinedina"suit,"the"suit"isbroughtin 10.GLASSREPAIR-WAIVEROFDEDUCTIBLE theUnitedStatesofAmerica,theterritories andpossessionsoftheUnitedStatesof UnderParagraphD.-DEDUCTIBLE-ofSECTION America,PuertoRicoorCanadaorina III-PHYSICALDAMAGECOVERAGE,the settlementweagreeto. followingisadded: 15.WAIVEROFSUBROGATION Nodeductibleappliestoglassdamageifthe glassisrepairedratherthanreplaced. TRANSFEROFRIGHTSOFRECOVERY AGAINSTOTHERSTOUS-ofSECTIONIV- 11.TWOORMOREDEDUCTIBLES BUSINESSAUTOCONDITIONSisamendedby UnderParagraphD.-DEDUCTIBLE-ofSECTION addingthefollowing: III-PHYSICALDAMAGECOVERAGE,the followingisadded: ©2011,TheHartford(Includescopyrightedmaterial FormHA99160312Page4of5 ofISOProperties,Inc.,withitspermission.) Wewaiveanyrightofrecoverywemayhavec.Regardlessofthenumberofautosdeemeda againstanypersonororganizationwithwhomtotalloss,themostwewillpayunderthis youhaveawrittencontractthatrequiressuchHybrid,Electric,orNaturalGasVehicle waiverbecauseofpaymentswemakeforPaymentCoverageprovisionforanyone damagesunderthisCoverageForm."loss"is$10,000. 16.RESULTANTMENTALANGUISHCOVERAGE Forthepurposesofthecoverageprovision, Thedefinitionof"bodilyinjury"inSECTIONV-a.A"non-hybrid"autoisdefinedasanautothat DEFINITIONSisreplacedbythefollowing:usesonlyaninternalcombustionengineto movetheautobutdoesnotincludeautos "Bodilyinjury"meansbodilyinjury,sicknessor poweredsolelybyelectricityornaturalgas. diseasesustainedbyanyperson,including mentalanguishordeathresultingfromanyofb.A"hybrid"autoisdefinedasanautowithan these.internalcombustionengineandoneormore electricmotors;andthatusestheinternal 17.EXTENDEDCANCELLATIONCONDITION combustionengineandoneormoreelectric Paragraph2.oftheCOMMONPOLICY motorstomovetheauto,ortheinternal CONDITIONS-CANCELLATION-applies combustionenginetochargeoneormore exceptasfollows: electricmotors,whichmovetheauto. Ifwecancelforanyreasonotherthan 19.VEHICLEWRAPCOVERAGE nonpaymentofpremium,wewillmailordeliver Intheeventofatotallosstoan"auto"forwhich tothefirstNamedInsuredwrittennoticeof Comprehensive,SpecifiedCausesofLoss,or cancellationatleast60daysbeforetheeffective Collisioncoveragesareprovidedunderthis dateofcancellation. CoverageForm,thensuchPhysicalDamage 18.HYBRID,ELECTRIC,ORNATURALGAS Coveragesareamendedtoaddthefollowing: VEHICLEPAYMENTCOVERAGE Inadditiontotheactualcashvalueofthe"auto", Intheeventofatotallosstoa"non-hybrid"auto wewillpayupto$1,000forvinylvehiclewraps forwhichComprehensive,SpecifiedCausesof whicharedisplayedonthecovered"auto"atthe Loss,orCollisioncoveragesareprovidedunder timeoftotalloss.Regardlessofthenumberof thisCoverageForm,thensuchPhysical autosdeemedatotalloss,themostwewillpay DamageCoveragesareamendedasfollows: underthisVehicleWrapCoverageprovisionfor a.Iftheautoisreplacedwitha"hybrid"autoor anyone"loss"is$5,000.Forpurposesofthis anautopoweredsolelybyelectricityornatural coverageprovision,signsorothergraphics gas,wewillpayanadditional10%,toa paintedormagneticallyaffixedtothevehicleare maximumof$2,500,ofthe"non-hybrid"auto’s notconsideredvehiclewraps. actualcashvalueorreplacementcost, whicheverisless, b.Theautomustbereplacedandacopyofabill ofsaleornewleaseagreementreceivedbyus within60calendardaysofthedateof"loss," ©2011,TheHartford(Includescopyrightedmaterial FormHA99160312Page5of5 ofISOProperties,Inc.,withitspermission.) AC� DATE(MM/DD/YYYY) CERTIFICATE OF LIABILITY INSURANCE 3/25/2015 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER,AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy,certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER CONTACT KristyMartin NAME: Ward Insurance Agency (o/C,NNo,Ext): (541)687-1117 FAX No): (541)342-8280 PO Box 10167 ADDRESS:kristy@wardinsurance.net INSURER(S)AFFORDING COVERAGE NAIC# Eugene OR 97440 INsuRERA:Hartford Casualty Insurance Co 29424 INSURED INSURERB:Hartford Underwriters Ins Co 30104 Economics Consultants Oregon Ltd INsuRERc:Philadelphia Indemnity Ins 18058 DBA: ECONorthwest INSURER D: 222 SW Columbia, Suite 1600 INSURERE: Portland OR 97201 INSURER F: COVERAGES CERTIFICATE NUMBER:15/16-1 REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES.LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR ADDL SUBR POLICY EFF POLICY EXP LTR TYPE OF INSURANCE JNSD WVD POLICY NUMBER (MM/DD/YYYY) IMM/DD/YYYY) LIMITS X COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $ 1,000,000 A CLAIMS-MADE X OCCUR DAMAGE TO RENTED 300,000 PREMISES(Ea occurrence) $ X 52SBQIK2164 4/1/2015 4/1/2016 MED EXP(Any one person) $ 10,000 PERSONAL&ADV INJURY $ 1,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $ 2,000,000 POLICY X jE LOC PRODUCTS-COMP/OP AGG $ 2,000,000 OTHER: $ AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT $ 1,000,000 (Ea accident) B ANY AUTO BODILY INJURY(Per person) $ ALL OWNED SCHEDULED AUTOS AUTOS X 52UECHY4229 4/1/2015 4/1/2016 BODILY INJURY(Per accident) $ X X NON-OWNED PROPERTY DAMAGE $ HIRED AUTOS AUTOS (Per accident) X UMBRELLA LIAB X OCCUR EACH OCCURRENCE $ 3,000,000 A EXCESS LIAB CLAIMS-MADE AGGREGATE $ 3,000,000 DED X RETENTION$ 10,000 52SBQIK2164 4/1/2015 4/1/2016 $ WORKERS COMPENSATION PER OTH- AND EMPLOYERS'LIABILITY Y/N STATUTE ER ANY PROPRIETOR/PARTNER/EXECUTIVE E.L.EACH ACCIDENT OFFICER/MEMBER EXCLUDED? N/A $ (Mandatory in NH) E.L.DISEASE-EA EMPLOYEE $ If yes,describe under - DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT $ C PROFESSIONAL LIABILITY PHSD928357 4/1/2015 4/1/2016 $3,000,000 PER CLAIM $10,000 DED. $3,000,000 AGGREGATE PER CLAIM DESCRIPTION OF OPERATIONS/LOCATIONS/VEHICLES (ACORD 101,Additional Remarks Schedule,may be attached if more space is required) Re: Job #22024 City of Spokane Valley is included as additional insured for the general liability per attached GA472OR and auto liability per attached AA4171. All is subject to policy terms, limits, conditions, and exclusions. CERTIFICATE HOLDER CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE City of Spokane Valley THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN Attn: Christine Bainbridge, City Clerk ACCORDANCE WITH THE POLICY PROVISIONS. 11707 East Sprague Ave Suite 106 AUTHORIZED REPRESENTATIVE Spokane Valley, WA 99206 Doc DuMars/EMILY ©1988-2014 ACORD CORPORATION. All rights reserved. ACORD 25(2014/01) The ACORD name and logo are registered marks of ACORD 1 /)-'013 o13 INS025(201401) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED BY CONTRACT This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM GARAGE COVERAGE FORM This endorsement changes the policy effective on the inception date of the policy unless another date is indi- cated below. Endorsement Effective: Policy Number: ECP0315866 4/1/2015 Named Insured: Economic Consultants Oregon Ltd DBA: ECONorthwest Countersigned by: (Authorized Representative) With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by the endorsement. SECTION II - LIABILITY COVERAGE, A. Cover- age, I. Who is an Insured is amended to include as an insured any person or organization with which you have agreed in a valid written contract to provide insurance as is afforded by this policy. This provision is limited to the scope of the valid written contract. This provision does not apply unless the valid written contract has been executed prior to the "bodily injury"or"property damage". AA 4171 11 05 H z o z M D m o N O 3 O = CI n O 5 r y m y co 73 Q fn ° o C�p Cm) _ _ 3n, fm'D 0 m m m Xi m o to 57.-Fd oaojo�8va�o-2g282-ZW,a'c Irs ' J = C a. ad * .3., m 0 m Z r. O a J c J P^ a m 0 ° c D n NON mR.m-%maNa0o.Cd`0 Q=N OD ?i 5Cm S)oCJ* mCDN aZ F 3 V! O (� Q"A3 m3='o3 moa ao st.g g PP, o= o u O co o 0• _3mm mD-=.muom mJ.�DJ.ma- zv4.3o , 0a� m 47 0. 51ffao..m ,< ,3 m-a 0 -.3.0- m gN y$-2-0 a8 a� a Z m m Z m e mN- .< 3 . 282_,055 . y- J my° m3Jy o a= 3 m N 0 a rt 03 5-0.-2-00-5..z- c �F ro 9:5 m rD J J m q J 3 rn* 0 m 0 m D m Om tyam'D-'.M�mNoa'cy.c an�8�'m g ma0 .»aaa a y r- . 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