Loading...
17-186.02 Standard Plumbing Heating Controls: CenterPlace HVAC Maintenance Sjiöi ' 10210E Sprague Avenue • Spokane Valley WA 99206 doovalley® Phone: (509)720-5000 0 Fax:(509)720-5075 •www.spokanevalley.org Email: cityhall@spokanevalley.org December 6,2019 Contract No. 17-186.02 Bill Hansen Standard Plumbing Heating Controls Corp. 10419 E. Trent Spokane Valley, WA 99206 Re: Implementation of 2020 option year, Agreement for Services, Contract No. 17- 186.00, executed January 4, 2018 Dear Mr. Hansen: The City executed an Agreement for provision of programmed maintenance of CenterPlace on January 4, 2018, by and between the City of Spokane Valley, hereinafter "City", and Standard Plumbing Heating Controls Corporation, hereinafter "Contractor" and jointly referred to as "Parties." The original Agreement states that it was for one year, with optional one-year terms possible if the parties mutually agree to exercise the option each year. This is the second possible option year that can be exercised and runs through December 31, 2020. The City would like to exercise the 2020 option year of the Agreement. The Compensation as outlined in Exhibit A, to the Agreement, includes the labor and material cost negotiated. The history of the annual renewals, including dollar amounts, is set forth as follows: Original contract amount .$8,221.81 total 2019 Renewal $7,800.00+tax 2020 Renewal $7,800.00 +tax All of the other contract provisions contained in the original Agreement shall remain in place and remain unchanged in exercising this option year. If you are in agreement with exercising the 2020 option year, please sign below to acknowledge the receipt and concurrence to perform the 2020 option year. Please return two copies to the City for execution, along with current insurance information. A fully executed original copy will be mailed to you for your files. CITY OF SPOKANE VALLEY STANDARD PLUMBING HEATING CONTROLS CORPORATION gant 6LAI/AA Mark Calhoun, City Manager Name mamao Title ATTEST: istine Bainbridge, City Clerk APPROVED AS TO FORM: Offic f the ttorney 17 - 1$(.DIN-.DI �.� STANPLU-01 VMCLEAN ACORO° CERTIFICATE OF LIABILITY INSURANCE DATE(MM/DDmYY) ka.....----- 12/26/2018 ' 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 have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject-to_the_terms_and-condlitions 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). Y I- ,.••'Le CONTACT Vickie Mclean PRODUCER I w I NAME: Hub International Northwest LLC + •�•;•; PHONE 509 462-7850 �FAX ' PO Box 3144 ' `s ac,No,Ext):( ) (A/C,No): .— EDDRE vickie.mclean@hubinternational.com Spokane,WA 99220 ADDRESS: • . r-r;^':T13iI DiP j INSURER(S)AFFORDINGCOVERAGE NAIC0- -• ----•--- ----‘ INSURER A:Cincinnati Casualty 28665 INSURED INSURER B: Standard Plumbing Heating INSURER C: Controls Corporation 10419 E.Trent Avenue INSURER D: Spokane Valley,WA 99206-4515 INSURER E: INSURER F: ' • COVERAGES CERTIFICATE NUMBER: 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 POUCY EFF POUCY EXP LIMITS LTR TYPE OF INSURANCE INSD WVD POUCY NUMBER (MM/DD/YYYYI (MM/DD/YYYYI A X COMMERCIAL GENERAL UABIUTY EACH OCCURRENCE $ 1,000,000 CLAIMS-MADE X OCCUR EPP0517530 01/01/2019 01/01/2022 PREMISES Eircreccurrrence) $ 1,000,000 MED EXP(Any one person) $ 15,000 PERSONAL&ADV INJURY $ 1,000,0,00 GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $ 2,000,000 POLICY n jgCr LOC PRODUCTS-COMP/OP AGG $ 2,000,000 OTHER: $ A AUTOMOBILE UABILITY (Ea acBIcideDn ESINGLE LIMIT $ 1,000,000 X ANY AUTO _ EBA0517530 01/01/2019 01/01/2020 BODILY INJURY(Per person) $ OWNED SCHEDULED _ AURTEO�S ONLY — AUTOS yy BODILY INJURY(Per accident) $ • AUTOS ONLY ^ AUTOS O�NLY PROPERTY DAMAGE (PerPERl accident) $ A UMBRELLA UAB — OCCUR EACH OCCURRENCE $ 3,000,000 EXCESS UAB CLAIMS-MADE EPP0517530 01/01/2019 01/01/2022 AGGREGATE $ DED X RETENTION S 10,000 $ 3,000,000 A WORKERS COMPENSATION PER OTH- STATUTE ER AND EMPLOYERS LIABILITY EPP0517530 01/01/2019 01/01/2022 1,000,000 ANY PROPRIIETgORR/PARTNER/EXECUTIVE Y/N N/A E.L.EACH ACCIDENT $ (Mandatory(n NH)EXCLUDED? EL DISEASE-EA EMPLOYEE $ 1,000,000 If yes,describe under 1,000,000 DESCRIPTION OF OPERATIONS below E.L DISEASE-POLICY LIMIT $ A Equipment Floater EPP0517530 01/01/2019 01/01/2022 Limit 25,000 DESCRIPTION OF OPERATIONS I LOCATIONS/VEHICLES (ACORD 101,Additional Remarks Schedule,may be attached If more space Is required) City of Spokane Valley named as additional insured.Primary/non contributory additional insured applies.Automobile additional insured included.Automobile primary coverage.Per project aggregate applies. CERTIFICATE HOLDER CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE Cityof Spokane ValleyParks&Recreation Dept THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN PP ACCORDANCE WITH THE POLICY PROVISIONS. 2426 N Discovery Place ., Spokane Valley,WA 99216 - • • AUTHORIZEDIZc REPRESENTATIVE elJ41-- 1 ACORD 25(2016/03) ©1988-2015 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CONTRACTORS' COMMERCIAL GENERAL LIABILITY BROADENED ENDORSEMENT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Endorsement-Table of Contents: Coverage: Begins on Page: 1. Employee Benefit Liability Coverage 2 2. Unintentional Failure to Disclose Hazards 7 3. Damage to Premises Rented to You 8 4. Supplementary Payments 9 5. Medical Payments 9 6. Voluntary Property Damage(Coverage a.)and Care,Custody or Control Liability Coverage(Coverage b.)........................_..............._.................................................. 9 7. 180 Day Coverage for Newly Formed or Acquired Organizations 10 8. Waiver of Subrogation............. ... .. .................. ..............__ 10 9. Autotnatic`Additional Insured-Specified Relationships: 10 • Ma iagers or-Lessors of Premises; • Lessor of Leased Equipment • Vendors; • State or Political Subdivisions-Permits Relating to Premises; • State or Political Subdivisions-Permits;and • Contractors'Operations 10. Broadened Contractual Liability-Work Within 50'of Railroad Property.........-........- 14 11. Property Damage to Borrowed Equipment 14 12. Employees as Insureds-Specified Health Care Services: 14 • Nurses; • Emergency Medical Technicians;and • Paramedics 13. Broadened Notice of Occurrence 14 B. Limits of Insurance: The Commercial General Liability Limits of Insurance apply to the insurance provided by this endorse- ment,except as provided below: 1. Employee Benefit Liability Coverage Each Employee Limit: $ 1,000,000 Aggregate Limit: $ 3,000,000 Deductible: $ 1,000 3. Damage to Premises Rented to You The lesser of: a. The Each Occurrence Limit shown in the Declarations;or b. $500,000 unless otherwise stated$ 4. Supplementary Payments a. Bail bonds: $ 1,000 b. Loss of earnings: $ 350 5. Medical Payments Medical Expense Limit: $ 10,000 Includes copyrighted material of Insurance GA 233 02 07 Servjces Office, Inc.,with its permission. Page 1 of 15 6. Voluntary Property Damage(Coverage a,)and Care,Custody or Control Liability Coverage (Coverage b.) Limits of Insurance(Each Occurrence) Coverage a.$1,000 Coverage b.$5,000 unless otherwise stated $ Deductibles(Each Occurrence) Coverage a.$250 Coverage b.$250 unless otherwise stated $ COVERAGE PREMIUM BASIS RATE ADVANCE PREMIUM a Area (For Limits in Excess of (For Limits in Excess of b Payroll $5,000) $5,000) c Gross Sales d Units • e Other . b. Care, Custody $ or Control TOTAL ANNUAL PREMIUM $ • 11. Property Damage to Borrowed Equipment Each Occurrence Limit $ 10,000 Deductible: $ 250 C. Coverages: have used up the appli- cable limit of insurance 1. Employee Benefit Liability Coverage in the payment of a. The following is added to SECTION I judgments or settle- -COVERAGES: Employee Benefit ments. LiabilityCoverage. No other obligation or liabil- ity(1) Insuring Agreement as or syervices is perform (a) We will pay those sums that unless explidtiy provided for the insured becomes legally under Supplementary Pay- obligated to pay as dam- ments. ages caused by any act,er- (b) This insurance applies to ror or omission of the in- damages only if the act, er- sured, or of any other per- ror .or omission, is negli- • son for whose acts the in- gently Committed in the sured is legally liable, to "administration" of your which this insurance ap- plies. We will have the right gram";and and duty to defend the in- sured against any "suit' 1) Occurs during the poi- seeking those damages. icy period;or • However, we will have no duty to defend against any 2) Occurred; prior to the "suit" seeking damages to effective date of this which this insurance does endorsement provided: • not apply. We may, at our a) You not have discretion, investigate any You diddgn of e report of an act, error or claimkno or o on omissiona " and settle any orbefore the"suit" on • claim or suit that may re- fective date of this f- suit. But: endorsement. 1) The amount we will pay will be for damages is limited Youd to have knowledge as described in SEC- deem TION III - LIMITS OF claim or "sui of a INSURANCE;and when any"author- ' 2) Our right and duty to ized represents- defend ends when we five"; • - • Includes copyrighted material of insurance GA 233 02 07 Services Office,Inc.,with its permission. Page 2 of 15 i) Reports all, or formance of investment any part,of the vehicles;or ad, error or omission to us 3) Advice given to any or any other person with respect to insurer; that person's derision to participate or not to II) Receives a participate in any plan written or ver- included in the "em- bal demand or ployee benefit pro- claim for dam- gram". ages because of the ad, er- (f) Workers' Compensation ror or omis- and Similar Laws sion;and Any claim arising out of your b) There is no other failure to comply with the applicable insur- mandatory;provisions of any ance. • workers' compensation, un- employment compensation (2) Exclusions ' insurance,social security or This insurance does not apply disability benefits law or any PP y similar law. to: (a) Bodily Injury, Property (g) ERISA Damage or Personal and Damages.for which any in- Advertising Injury sured is liable because of injury", li- ability imposed on a fiduci- "Bodily j ry . "property ary by the Employee Re- damage" or "personal and tirement Income Security advertising injury". Act of 1974, as now or (b) Dishonest, . Fraudulent, hereafter amended, or by Criminal or Malicious Act any similar federal, state or local laws. Damages arising out of any (h) Available Benefits intentional, dishonest, fraudulent, criminal or mall- Any claim for benefits to the cious act,error or omission, extent that such benefits are committed by any insured, available, with reasonable including the willful or reck- effort and cooperation of the less violation of any statute. insured, from the applicable • (c) Failure to Perform a Con- funds accrued or other col- tract 'edible insurance. Damages arising out of fail- (I) Taxes,Fines or Penalties ure of performance of con- Taxes, fines or penalties, tract by any ensurer. including those imposed (d) Insufficiency of Funds under the internal Revenue Code or any similar state or Damages arising out of an 'local law. insufficiency of funds to Employment-Related Emeet any obligations under U) Empl any plan included in the Practices • "employee benefit pro- Any liability arising out of gram". any: (e), Inadequacy of Perform- (1) Refusal to employ; ance of Investment I Ad- vice Given With Respect (2) Termination of em- to Participation ployment; Any claim based upon: ' (3) Coercion, demotion, evaluation, reassign- 1) Failure of any invest- ment, discipline, defa- ment to perform; mation, harassment, 2) Errors in providing in- humiliation, employ- formationdiscrimina- on past per- tion or other. Includes copyrighted material of Insurance . GA 233 02 07 Services Office, Inc.,with its permission. Page 3 of 15 ' ment-related practices, (e) A trust, you are an insured. • ads or omissions;or Your trustees are also i in- sureds, but only with re- (4) Cons as a result of(1), (2)uential liability tees. to their duties as trus- (3)above. This exclusion a lies (2) Each of the following is also an whether the insured may be insured: held liable as an employer (a) Each of your "employees" or in any other capacity and who is or was authorized to ' to any obligation to share administer your "employee damages with or repay benefit program". someone else who must . pay damages because of (b) Any persons, organizations the Injury. or "employees" having proper temporary authorize- (3) Supplementary Payments tion to administer your SECTION I - COVERAGES, "em- ployee benefit program" if you die, but only until your SUPPLEMENTARY PAY- legal representative is ap- MENTS -COVERAGES A AND pointed. B also apply to this Coverage. b. Who is an Insured (c) Your legal representative if you die, but only with re- • As respects Employee Benefit Liabil- sped to duties as such. ity Coverage, SECTION II-WHO IS That representative will AN INSURED is deleted in Its en- have all your rights and du- tirety and replaced by the following: ties under this Coverage Part. (1) If you are designated in the Dec- larations as: (3) Any organization you newly ac- quire or form, other than a part- (a) An individual, you and your nership, joint venture or limited spouse are insureds, but liability company, and over only with respect to the con- which you maintain ownership or duct of a business of which majority interest,will qualify as a you are the sole owner. Named Insured if no other simi- lar insurance applies to that or- . (b) A partnership or joint ven- ganization. However, coverage ture, you are an insured. under this provision: Your members, your part- ners, and their spouses are (a) Is afforded only until the also insureds but only with 180th day after you acquire respect to the conduct of or form the organization or your business. the end of the policy period, (c) A limited liability company, Whichever is earlier;and you are an insured. Your (b) Does not apply to any act, members are also insureds, error or omission that was but only,with respect to the . committed before you ac- conduct of your business. quired or formed the organi- Your managers are insryr- zation. eds,but only with respect to • c. Limits of Insurance their duties as your manag- ers. As respects Employee Benefit Liabil- (d) An organization other than a ity Coverage, SECTION III - LIMITS partnership,joint venture or OF INSURANCE,is deleted in its en- limited liability company, tirety and replaced by the following: you are an insured. Your (1) The Limits of Insurance shown "executive officers" and di- 'in:•Section B. Limits of Insur- rectors are insureds, but ante, 1. Employee Benefit Li- . only with respect to their du- ability'Coverage and the rules ties as your officers or direc- below fix the most we will pay tors. Your stockholders are regardless of the number of: also insureds, but only with • respect to their liability as .(a) Insureds; stockholders. Includes copyrighted material of Insurance . GA 233 02 07 Services Office,Inc.,with:its permission. Page 4 of 15 (b) Claims made or "suits" (b) The deductible amount brought; stated in the Declarations Persons or organizations applies to all damages sus- (c) tamed by any one "em- making claims or bringing ployee",induding such"em- "suits"; ployee's" dependents and (d) Acts,errors or omissions;or beneficiaries,because of all ads, errors or omissions to (e) Benefits induded in your which this insurance ap- "employee benefit pro- plies. gram". (c) The terms of this insurance, (2) The Aggregate Limit shown in including those with respect Section B. Limits of Insurance, to: 1. Employee Benefit Liability 1) Our right and duty to Coverage of this endorsement defend the insured is the most we will pay for all against any "suits" damages because of acts,errors seeidng those dam- or omissions negligently commit- ted in the "administration" of ages;and your "employee benefit pro- 2) Your duties, and the gram". duties of any other in- (3) Subject to the limit described in volved insured, in the (2) above, the Each Employee event of an act,error or omission,or daim, Limit shown in Section B.Limits of Insurance, 1. Employee apply irrespective of the ap- Benefit Liability Coverage of plication of the deductible this endorsement is the most we amount. will pay for all damages sus- tained by any one "employee", (d) We may pay any part or all Including damages sustained by of the deductible amount to such "employee's" dependents effect settlement of any and beneficiaries,as a result of claim or"suit"and,upon no- tification of the action taken, (a) An act,error or omission;or you shall promptly reim- (b) A series of related acts, er- burse us for such part of the deductible amount as we rors or omissions, regard- less of the amount of time have paid. that lapses between such d. Additional Conditions acts,errors or omissions, As respects Employee Benefit Li- negligently committed in the abilit�yy Coverage, SECTION IV - "administration" of your "em- COMMERCIAL GENERAL LLABIL- ployee benefit program". ITY CONDITIONS is amended as fol- HoweveP,the amount paid under lows: this endorsement shall not ex- (1) Item 2. Duties in the Event of ceed, and will be subject to the Occurrence, Offense, Claim or limits and restrictions that apply • Suit Is deleted in its entirety and to the payment of benefits in any replaced by the following: plan induded in the "employee benefit program". 2. Duties in the Event of an Act,Error or (4) Deductible Amount Omission,or Claim or Suit Our obligation to paydarn- a. You must see to It that we are noti- (a) 9 fled as soon as practicable of an act, ages on behalf of the in- error or omission which may result In sured applies only to the a daim. To the extent possible, no- amount of damages in ex- tice should include: cess of the deductible amount stated in the Dada- (1) What the act, error or omission rations as applicable to was and when it occurred;and Each Employee. The limits of insurance shall not be re- (2) The names and addresses of duced by the amount of this anyone who may suffer dam- deductible, ages as a result of the act,error or omission. Includes copyrighted material of Insurance GA 233 02 07 Services Office,Inc.,with its permission. Page 5 of 15 • b. If a daim is made or"suit"is brought b. Method of Sharing against any insured,you must: If all of the other insur- (1) Immediately record the specifics ance permits contribu- of the daim or "suit" and the tion by equal shares, date received;and we will follow this method also. Under (2) Notify us as soon as practicable. this approach each in- You must see to it that we receive surer contributes equal amounts until it has written notice of the claim or"suit"as soon as practicable. paid its applicable limit of insurance or none of c. You and any other involved insured the loss remains, must: whichever comes first. (1) Immediately send us copies of If any of the other in- any demands, notices, sum- surance does not per- monses or legal papers received mit contribution by in connection with the claim or equal shares, we will "suit"; contribute by limits. Under this method, (2) Authorize us to obtain records each insurer's share is and other information; based on the ratio of its Cooperate with us in the investi- applicable limit of in- (3) Coo P surance to the total ap- gation or settlement of the daim plicable limits of insur- or defense against the "suit; ance of all insurers. and (4) Assist us, upon our request, in c. No Coverage the enforcement of any right This insurance shall not against any person or organza- cover any loss for tion which may be liable to the which the insured is en- insured because of an act,error titled to recovery under or omission to which this insur- any other insurance in ance may also apply. force previous to the ef- d. No insured will, except at that in- fecve dateof this Coverrage Paa sured's own cost,voluntarily make a Crt. payment, assume any obligation, or e. Additional Definitions • incur any expense without our con- sent. As respects Employee Benefit Li- ability Coverage, SECTION V - (2) Item 5. Other Insurance is de- DEFINITIONS is amended as fol- leted in its entirety and replaced lows: by the following: (1) The following definitions are 5. Other Insurance added: If other valid and collectible 1. "Administration"means: insurance is available to the insured for a loss we cover a. Providing information to • under this Coverage Part, "employees", including our obligations are limited their dependents and as follows: beneficiaries, with re- spect to eligibility for or a. Primary Insurance scope of "employee ' benefit programs"; This insurance is pri- mary except when c. b. Interpreting the "em- below applies. If this •ployee benefit pro- insurance is primary, grams"; our obligations are not affected unless any of c. Handling records in the other insurance is connection with the also.primary. Then,we "employee benefit pro- will share with all that grams";or 'other Insurance by the d. Effecting, continuing`or method described in b. terminating any below. "em- ployee's" participation . Includes copyrighted material of Insurance GA 233 02 07 Services Office,Inc.,with its permission. Page 6 of 15 in any benefit induded benefits, workers' com- in the "employee bane- pensation and disability fit program". benefits;and However, "administration" d. Vacation plans, indud- does not include: ing buy and sell pro- s. Handling payroll deduc- grams; leave of ab- sence programs, in- tions;or cluding military, mater- b. The*failure to effect or nity, family, and civil maintain any insurance leave; tuition assis- or adequate limits of lance plans;ealth orta- coverage of Insurance, tion 'and health dub including but not limited subsidies to unemployment in- (2) The following definitions are de- surance, social security leted in their entirety and re- benefits, workers' corn- placed by the following: pensation and disability benefits. 21. 'Suit' means a civil pro- ceeding in which money 2. "Cafeteria plans" means damages because of an act, plan authorized by applica- error or omission to which ble law to allow "employ- this insurance applies are ees" to elect to pay for cer- alleged. "Suit'includes: tain benefits with pre-tax dollars. a. An arbitration proceed- ing3. "Employee benefit pro- in which such grams" dam- means a program ages wharich claimed and to which• the insured providing some or all of the must submit or does following benefits to "em- submit with our con- ployees", whether provided with our con- through a"cafeteria plan"or sent; otherwise: b. Any other alternative dispute resolution pro- a. Group life insurance; ceeding in which such group accident or damages are claimed health insurance; den- and to which the in- tal, vision and hearing sured submits with our plans; and flexible consent;or spending accounts; provided that no one c. An appeal of a civil pro- other than an "em- ceeding. ployee" may subscribe to such benefits and 8. "Employee" means a per- such benefits are made . son actively employed, for- generally available to merly employed,on leave of those"employees"who absence or disabled, or re- satisfy the plan's eligi- tired. "Employee" includes bility requirements; • . a "leased worker". "Em- ployee" does not indude a b. Profit sharing plans, 'temporary worker". employee savings plans, employee stock 2. Unintentional Failure to Disclose Haz- ownership plans, pen- aids . sion plans and stock SECTION IV-COMMERCIAL GENERAL subscription plans, pro- LIABILITY CONDITIONS, 7. Represen- vided that no one other tenons is hereby amended by the addi- than an "employee" tion of the following: may subscribe to such benefits and such Based on our dependence upon your rep- benefits are made gen- resentations as to existing hazards, if un- erally available to all intentionally you should fail to disclose all "employees" who are such hazards at the inception date of your eligible under the plan policy, we will not reject coverage under for such benefits; this Coverage Part based solely on such c. Unemployment insur- failure. ance, social security . Includes copyrighted material of Insurance - GA 233 02 07 Services Office, Inc.,with Its permission. Page 7 of 15 3. Damage to Premises Rented to You f) Nesting or infesta- tion, or discharge a. The Iasi Subparagraph of Paragraph or release of 2. SECTION I - COVERAGES, waste products or COVERAGE A. - BODILY INJURY secretions, by in- AND PROPERTY DAMAGE, 2. LI- sects, birds, ro- ABILITY Exclusions is hereby de- dents or other leted and replaced by the following: animals. Exclusions c.through q.do not apply (b) Loss caused directly or indi- to darpage by fire, explosion, light- rectly by any of the follow- • ping, smoke or soot to premises ing: while rented to you or temporarily volcanic oc- cupied by you with permission of the 1) Earthquake,Earth u landsliake, vol lc or owner. any other earth move- b. The insurance provided under SEC- ment; TION I-COVERAGES,COVERAGE Water that backs up A. BODILY INJURY AND PROP- 2) or overflows from a sewer, ERTY DAMAGE LIABILITY applies to "property:damage" arising out of drain or surnp; water:damage to premises that are 3) Water under the ground both rented to and.occupied by you. • surface pressing on, or • (1) As respects Water Damage Le- flowing or seeping gal Liability, as provided in through: Paragraph 3.b.above: a) Foundations, The exclusions under SECTION walls, floors or I - COVERAGES, COVERAGE paved surfaces; A. BODILY INJURY AND b) Basements, whether PROPERTY DAMAGE LIABIL- paved or ITY,2.Exclusions,other than I. not; War and the Nuclear Energy or Liability Exclusion, are deleted c) Doors,windows or and the following are added: other openings. This insurance does not apply (c) Loss caused by or resulting to: from water that leaks or (a) "Property damage": flows from plumbing, heat- ing, air conditioning, or fire 1) Assumed in any con- protection systems caused tract;or by or resulting from freez- • ing, unless: 2) Loss caused by or re- suiting from any of the 1) You did your best to following: maintain heat in the building or structure;or a) Wear and tear; •2) You drained the I?) Rust• , corrosion, equipment and shut off fungus, decay, de- the water supply if the 1 terioration, hidden heat was riot main- or latent defect or tained. any. 'quality In property that (d) Loss to or damage to: causes it to dam- 1) Plumbing, heating, air see ,Qr;destroy it- conditioning, fire pro- selir. tection systems, or 'c) Smog; other equipment or ap- pliances;or •d) Mechanical break- dawn including 2) The interior of any rupture'or bursting building or structure, or ' 'caused •by cen- to personal property in trifugal force; the building or structure caused by or resulting e) Settling, sacking, from rain, snow, sleet shrinking or ex- • or ice, whether driven pansion;or by wind or not. indudes.copyrighted material of.insurance GA 233 02 07 Services Office,Inc.,with'its permission. Page 8 of 18 c.. Limit of Insurance Limits of Insurance, 5. Medical Pay- The Damage to Premises Rented to ments of this endorsement. You Limit as shown in the Declare- • 6. `Voluntary Property Damage and Care, tions is amended as follows: Custodyor Control Liability Coverage (2) Paragraph 6. of SECTION Ili - a. Voluntary Property Damage Cov- LIMITS' OF INSURANCE is erage hereby deleted and replaced by the'following: We will,pay for"property damage"to property of others arising out of op- 6. Subject to 5. above, the eratigns Inddental''to the insured's Damage to Premises business when: Rented to You Limit Is the Datna a is caused bythe most we will pay under '(1) g in- COVERAGE A. BODILY sured;or INJURY AND PROPERTY (2) Damage occurs while in the in- DAMAGE LIABILITY, for sured's possession. damages because of"prop- erty damage" to premises With your consent, we will make while rented to you or tern- these payments regardless of fault. poranly occupied by you with permission of the b. Care, Custody or Control Liability ' owner, arising out of any Coverage one "occurrence" to which SECTION I - COVERAGES, COV this insurance applies. ERAGE'A. BODILY INJURY AND (3) The amount we will pay Is fim- PROPERTY DAMAGE. LIABILITY, ited as'described in Section B. 2. Exclusions,.j. Damage to Prop- 'Limits of Insurance, 3. Dam- erty, Subparagraphs(3), (4) and (5) 'age. to Premises Rented to do not apply to"property damage"to You of this endorsement. • the property of others described therein. 4. Supplementary Payments With respect to the insurance provided by Under'SECTION I - COVERAGE, SUP- -this section of the endorsement, the fol- PLEMENTARY PAYMENTS - COVER- lowing additional provisions apply: AGES A AND B: a. The Limits of Insurance shown in the a. Paragraph 2. is replaced by the fol- Dedai.ations are replaced by the lirn- lowing: its designated in Section B.Limits of Up to the limit shown in Section B. Insurance,..6. Voluntary Property r Limits of.lnsurance,4.a.Bail Bonds .ControlDomao .and.,Care, rage Custodyf is of this endorsement for cost of bail orrtLia with 'Coverage of this er- bonds.required because of accidents endorsement with respect ro went. or traffic law violations arising out of age .Provided by this endorsementt the use of any vehicle to which the additioese n is are inclusive of and not re- Bodily-Injury Liability Coverage ap- in! addition to the i timof Insuranceu plies. We do not have to furnish placed.. The Limits i shown in Section B,Limits of Insur- these bonds. ance, 6. Voluntary Property Dam- b. Paragraph 4. Is replaced by the fol- age and Care, Custody or Control lowing: Liability..Coverage of this endorse- ment'fix the most we will pay in any All reasonable expenses incurred by one�'occurr'ence" regardless of the The insured at our request to assist number of: us.in the investigation or defense of the claim or "suit", Including actual (1) Insureds; loss of earnings up to the limit shown (2) Claims made or "suits" brought; in Section B. Limits of Insurance, .or 4.b. Loss of Earnings of this en- dorsement per day because of time (3) Persons,or Organizations making off from Work. claims or.bringing"suits". 5. Medical Payments b. Deductible Clause The Medical.Expense Limit of Any One (1) Our obligation,to pay damages Person as stated in the Declarations is on your behalf applies.only to amended to the limit shown in Section B. the amount of damages for each "occurrence" which are in ex- Includes copyrighted material of Insurance GA 233 02 07 Services Office, Inc.,with its permission. Page 9 of 15 cess of the deductible amount (1) Any person or organization de- stated in Section B. Limits of scribed in Paragraph 9.a.(2) be- Insurance. 6. Voluntary Prop- low (hereinafter referred to as erty Damage and Care, Cus- additional insured) whom you tody or Control Liability Coy- are required to add as an addi- erage of this endorsement. The tional insured under this Cover- limits of insurance will not be re- age Part by reason of: duced by the application of such deductible amount. (a) A written contract or agree- ment;or (2) Condition ,.2. Duties in the Event of Occurrence, Offense, (b) An oral agreement or con- Claim or Suit, applies to each tract where a certificate of claim or"suit"irrespective of the insurance showing that per- amount. • son or organization as an additional insured has been (3) We may pay any part or all of issued, the deductible amount to effect is an insured,provided: settlement of any claim or"suit and, upon notification of the ac- (a) The written or oral contract Lion taken,you shall promptly re- or agreement is: imburse us.,for such part of the deductible amount as has been 1) Currently in effect or paid by us. becomes effective dur- • 7. 180 Day Coverage for Newly Formed or a g the polid cy period; Acquired Organizations 2) Executed prior to an SECTION II -WHO IS AN INSURED is "occurrence" or offense amended as follows: to which this insurance Subparagraph a. of Paragraph 4. is would apply;and hereby deleted and replaced by the fol- (b) They are not specifically lowing: named as an additional in- a. Insurance under this provision is af- sured under any other pro- forded only until the 180th day after vision of, or endorsement you acquire or form the organization added to, this Coverage or the end of the policy period, Part. • whichever is earlier; (2) Only the following persons or 8. ,Waive�;ofSSuiirogationr. organizations are additional in- sureds under this endorsement, /SECTION IV-COMMERCIAL GENERAL and insurance coverage pro- LIABILITY CONDITIONS, 9.Transfer of vided to such additional insureds Rights of Recovery Against Others to Is limited as provided herein: Us_is hereby amended by the addition of (a) The manager or lessor of a the following: premises leased to you with We waive any right of recovery we may whom you have agreed per have because of payments we make for Paragraph 9.a.(1) above to injury or damage arising Out of your ongo- provide insurance, but only ing operation's or "your work"done under with respect to liability aris- a written contract 'requiring such waiver ing out of the ownership, with that-person or organization and in- maintenance or use of that cluded in the "products-completed opera- part of apremises leased to Lions hazard". However, our rights may you, subject to the following only be waived prior to the "occurrence" additional exclusions: • giving rise to the injury or damage for which we make payment under this Coy- This insurance does not ap- erage Part. The insured must do nothing ply to: after a loss to impair our rights. At our 1) Any."occurrence"which . request; the insured will bring "suit" or takes place after you transfer those.rights to us and help us en- cease to be a tenant in force those rights. that premises. 9. Autoltiatic AAdditigtial Insured - Sped- 2) Structural alterations, fled Relationships new construction or a. The following is hereby added to demolition operations SECTION II-WHO IS AN INSURED: performed by or on be- Indudes copyrighted material of Insurance . GA 233 02 07 Services Office, Inc.,with its permission. Page'10 of 15 half of such additional solely for the pur- insured. pose of inspection. (b) Anyperson or organization demonstration, 9 testing, or the from which you lease substitution of equipment with whom you parts under in- have agreed per Paragraph structions from the 9.a.(1) above to provide in- manufacturer, and surance. Such person(s)or then repackaged organization(s)are insureds in the original con- solely with respect to their tainer liability arising out of the . maintenance, operation or e) Any failure to use by you of equipment make such inspec- leased to you by such per- tions,adjustments, son(s) or organizations(s). tests or servicing However, this insurance as the vendor has does not apply to any "oc- agreed to make or 'currence"which takes place normally under- after the equipment lease takes to make in expires. the usual course (c) Anyperson or organization of business, inh r9 connection with (referred to below as yen- the distribution or dor) with whom you have sale of the prod- agreed per Paragraph ucts; 9.a.(1) above to provide in- surance, but only with re- f) Demonstration, in- spect to "bodily injury" or stallation, service "property damage" arising ing or repair op- out of"your products"which erations, except are distributed or sold in the such operations regular course of the ven- performed at the dor's business, subject to vendor's premises the following additional ex- in connection with clusions: the sale of the 1) The insurance afforded product; the vendor does not g) Products which, apply to: after distribution or "Bodilyinjury" or sale by you, have a) j rY been labeled or re- "property damage" labeled or used as for which the yen- a container,part or dor is obligated to ingredient of any pay damages by other thing or sub- • reason of the as- stance by or for sumptbn of liabil- the vendor. ity in a contract or agreement. This 2) This insurance does • exdusion •does not not apply to any in- apply to liability for sured person or organi- damages that the zation: vendor would have in the absence of a) From whom you the contract or have acquired agreement; such products, or any ingredient, b) Any express war- part or container, ranty unauthorized entering into, ac- by you; companying or containing such c) Any physical or products;or chemical change in the product b) When liability in- made intentionally cluded within the by the vendor; "produc ts- • completed opera- d) Repackaging, tions hazard" has unless unpacked Includes copyrighted material of insurance . GA 233 02 07 Services Office, Inc.,with its permission. Page 11 of 15 • • been excluded (f)s Any person or organization • under this Cover- '° with which you have agreed age Part with re- per Paragraph 9.a.(1)above spect to such to provide insurance, but products. only with respect to liability arising out of "your work" (d) Any state or political subdi- performed for that additional vision with which you have insured by you or on your agreed per Paragraph behalf. A person or organi- 9.a.(1) above to provide in- zation's status as an insured surance, subject to the fol- under this provision of this lowing additional provision: endorsement continues for This insurance applies only only the period of time re- wired• with respect to the following by the written con- hazards for which the state tract or agreement,but in no has event beyond the expiration or political subdivision issued a permit in connec- date of this Coverage Part. tion with premises you own, If there is no written contract rent or control and to which or agreement, or if no pe- riod of time is required by the written contract or 1) The existence, mainte- agreement, a person or or- nance,repair,construc- ganization's status as an in- tion, erection, or re- sured under this endorse- moval of advertising ment ends when your op- signs, awnings, cano- erations for that insured are pies, cellar entrances, completed. coal holes, driveways, (3) Any insurance provided to an manholes, marquees, additional insured designated hoist away openings,sidewalk vaults, street under Paragraph 9.a.(2): banners,or decorations (a) Subparagraphs (e) and (f) and similar exposures; does not apply to"bodily in- or jury" or "property damage" 2 The construction, erec- included within the "prod- tion, or removal of ele- ucts-completed operations i vators;or hazard , 3) The ownership, main- (b) Subparagraphs (a), (b), (d), tenance, or use of any "property and(f)does not apply to elevators covered by bodily injury", damage" or "personal and this insurance. advertising injury" arising (e) Any state or political subdi- out of the sole negligence or vision with which you have willful misconduct of the ad- agreed per Paragraph ditional insured or their 9.a.(1) above to provide in- agents, "employees" or any surance, subject to the fol- other representative of the lowing provisions: , additional insured;or • 1) This insurance applies (c) Subparagraph (f) does not only with respect to op- apply to "bodily injury", erations performed by "property damage" or "per- you or on your behalf sonal and advertising injury" for which the state or arising out of: political subdivision has 1) Defects in design fur- issued a permit. nished by or on behalf 2) This insurance does of the additional in- not apply to "bodily in- sured;or jury", "property dam- 2) The rendering of, or age" or "personal and failure to render, any advertising injury" arts- professional architec- ing out of operations tural, engineering or performed for the state surveying services, in- or political subdivision. cluding: • Includes copyrighted material of Insurance GA 233 02 07 Services Office,Inc.,with its permission. Page 12 of 15 • a) The preparing, primary to other insurance approving or fail- available to the additional ing to prepare or insured except: approve maps, 1) As otherwise provided shop drawings, in SECTION IV - opinions, reports, COMMERCIAL GEN- surveys, field or- ERAL LIABILITY ders, change or- CONDITIONS, 5. ders or drawings and specifications; Other Insurance, b. and Excess Insurance;or b) Supervisory, in- 2) For any other valid and spedion, architec- collectible insurance tural or engineer- available to the addi- ing activities. tional insured as an additional insured by 3) "Your work"for which a attachment of an en- consolidated (wrap-up) dorsement to another insurance program has insurance policy that is • been provided by the written on. an excess primecontractor-project basis. In such case, manager or .owner of the coverage provided • the construction project under.this.endorsement in which you are in- shall also be excess. Volved. • (2) Condition 11;Conformance to b. Only with regard to insurance pro- Specific Written Contract or vided to an additional insured desig- Agreement is hereby added: nated under Paragraph 9.a.(2) Sub- paragraph If) above, SECTION III - 11. Conformance to Specific LIMITS OF INSURANCE is amended Written , Contract or to include: Agreement The limits applicable to the additional With, respect to additional insured are those spedfied in the insureds described in Para- written.contract•or agreement or in graph 9.a(2)(f)above only: the Declarations of this Coverage If a written contract or Part,whichever are less. If no limits agreement between you are specified in the written contract or and the additional insured agreement, or:if there,is no written Specifies 'that coverage for ct contra or agreement;'the limits ap- the additional insured: plicable to the additional insured are • those specified in the Dedarattons of a. 'Be,provided by the In- this Coverage Part. The.limits of in- surance Services Office surance are indusive of and not in additional insured form . addition to •the limits of insurance number CG 20 10 or shown In the Declarations. CG 20 37 (where edi- c. SECTION IV-COMMERCIAL GEN- tion specified);or ERAL LIABILITY CONDITIONS is b. Include coverage for hereby amended as follows: completed operations; (1) Condition 5.Other Insurance is or amended to include: c. Include coverage for (a) Where required by a written "your work"; 'contract or agreement, this and where the limits or cov- irisdrance Is primary and / ;erage-provided to the addi- or noncontributory as re- tional insured is more re- spects any other Insurance stridive than was specifi- policy 'issued to the adds- catty required in that written tional, insured, and such contract or agreement, the other insurance policy shall terms of Paragraphs be excess and /or noncon- 9.a(3)(a), 9.a(3)(b) or 9.b. tributing, whichever applies, above, or any combination with this•insurance. thereof, shall be interpreted as providing the limits or (b) Any insurance provided by coverage required by the this endorsement shall be terms of the written contract Includes copyrighted material of Insurance GA 233 02 07 Services Office,Inc.,with Its permission. Page 13 of 15 or agreement, but only to (C) Persons or organizations -the extent that such limits or making claims or bring ' coverage is included within "suits". the terms of the Coverage Deductible Clause Part to which this endorse- (2) ment is attached. If, how- (a) Our obligation to pay dam- . ever,the written contract or ages on your behalf applies agreement specifies the In- only to the amount of dam- surance Services Office ad- ages for each "occurrence" ditional insured form num- which are in excess of the ber CG 2010 but does not Deductible amount stated in spedfy which edition, or Section B. Limits of Insur- • specifies an edition that ante, 11. of this endorse- does not exist, Paragraphs ment. The limits of insur- 9.a.(3)(a) and 9.a.(3)(b) of ance will not be reduced by this endorsement shall not the application of such De- appiy and Paragraph 9.b.of ductibie amount. this endorsement shall ap- ply. (b) Condition 2. Duties in the 10. .Broadened Contractual LiabilityWork Event Claimof Oc or , apOf- Within 50'of Railroad Propert pens to Suit, ap- plies each claim or"suit" It is hereby agreed that Paragraph f.(1)of irrespective of the amount. Definition 12. "Insured contract" (SEC- (c) We may pay any part or all TION V-DEFINITIONS)Is deleted. of the deductible amount to 11. Property Damage to Borrowed Equip- effect settlement of any ment claim or"suit"and,upon no- , tification of the action taken, a. The following is hereby added to Ex- you shall promptly reim- clusion j. Damage to Prope of burse us for such part of the . Paragraph 2., Exclusions of SEC- deductible amount as has TION I-COVERAGES,COVERAGE been paid by us. A. BODILY INJURY AND PROP- 12. Employees as Insureds Specified PROP- ERTY DAMAGE LIABILITY: Helth Care Services. p Paragraphs(3)and (4)of this exclu- sion do not apply to tools or equip- It is hereby agreed that Paragraph ment loaned to you, provided they 2.a(1)(dd) of SECTION II -WHO IS AN are not being used to perform opera- INSURED, does not apply to your "em- tions at the time of loss. ployees"who provide professional health care services on your behalf as duly li- b. With respect to the insurance pro- censed: vided by this section of the endorse- ment, the following additional provi- a. Nurses; sions,apply: b. Emergency Medical Technicians;or (1) The Limits of insurance shown in c. Paramedics, the Declarations are replaced by the limits designated.In Section in.the jurisdiction where an,"occurrence" B. Limits of insurance, 11. of or offense to which this insurance applies this endorsement with respect to takes place. coverage provided by this en- dorsement. These limits are in- 13. Broadened Notice of Occurrence elusive of and not in addition to Paragraph.,a. of Condition 2. Duties in the limits being replaced. The the Event,,of .Occurrence, Offense, • Limits of Insurance shown in Claim or Suit.(SECTION IV-COMMER- Section B.Limits of Insurance, CIAL,,.GENERAL LIABILITY CONDI- 11. of this endorsement fix the TIONS),Is hereby deleted and replaced most we will pay in any one"oc- bythe,fallowing; currence" regardless of the number of: a. You.must see to it that we are noti- (a) :Insureds; , flea'as'soon as practicable of an "oc- currence or;an offense which may . (b) Claims made or "suits" result l'n a;claim. To the extent pos- brought;or Bible,ribbed`should include: (1) How, when and where the "oc- • ' - . curren'ce"or offense took place; Includes`copyrighted material of Insurance . GA 233 02 07 •Services Office,Inc.,with its permission. Page 14 of15 (2) The names and addresses of This requirement applies only when any injured persons and wit- the "occurrence"or offense is known nesses;and to an"authorized representative". (3) The nature and location of any injury or damage arising out of the"occurrence"or offense. Includes copyrighted material of Insurance • • GA 233 02 07 Services Office, Inc.,with Its permission. Page 15 of 15 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CinciPlus® BUSINESS AUTO XC+® (EXPANDED COVERAGE PLUS) ENDORSEMENT This endorsement modifies insurance provided by the following: BUSINESS AUTO COVERAGE FORM With respect to.the coverage provided by this endorsement,the provisions of the Coverage Form apply unless modified by this endorsement. A. iBlanketjWatuerof;Subrogationr' ' This provision does not apply unless the valid written contract has been: SECTION IV - BUSINESS AUTO CONDI- TIONS, A.-Loss-Conditions, 5. Transfer of 1. Executed prior to the accident causing Rights of Recovery Against Others to Us is "bodily injury"or"property damage";and amended by the addition of the following: 2. Is still in force at the time of the"accident" We waive any right of recoverywe may have causing "bodily injury" or "property dam- against any-person or organization because of age". payments we make for "bodily injury" or "property damage"arising out of the operation D. Employee Hired Auto of a covered "auto" when you have assumed 1. Changes in Liability Coverage liability for such "bodily injury" or "property damage" under an "insured contract", provid- The following is added to the Section II - ed the"bodily injury"or"property damage"oc- Liability. Coverage, A. Coverage, 1. curs subsequent to the execution or the "in- Who is an Insured: sured contract". An "employee" of yours is an "insured" B. Noncoritributoryrinsurarice while operating an "auto" hired or rented SECTION IV - BUSINESS AUTO CONDI- under a contract or agreement in that TIONS, General Conditions, 5. Other In- "employee's"�name,with your permission, surance B. is replaced bythe 5.in : while performing duties related to the P 9 conduct of your business. c. Regardless of the provisions of Par- 2. Changes in General Conditions agraph a. above, this Coverage Form's Liability Coverage is primary SECTION IV - BUSINESS AUTO CON- and we will not seek contribution DITIONS, B. General Conditions, 5. from any other insurance,for any Ha- Other Insurance is amended by replac- bility assumed under an "insured ing Paragraph 5.b.with the following: contract" that requires liability to be assumed on a primary noncontributo- b. For Hired Auto Physical Damage ry basis. Coverage the following are deemed to be covered"autos"you own: C. Additiorial.lnsured liy Contract (1) Any covered "auto" you lease, SECTION II - LIABILITY COVERAGE, A. hire,rent or borrow:and Coverage, I. Who is an Insured is amended to include as an insured any person or organi- (2) Any covered "auto" hired or zation with which you have agreed in a valid rented by your"employee"under written contract to provide insurance as is af- a contract in that individual "em- forded by this policy. ployee's" name, with your per- mission, while performing duties This provision is limited to the scope of the related to the conduct of your valid written contract. business. • • Includes copyrighted material of ISO - AA 288 01 16 Properties, Inc.,with its permission. Page 1 of 4 However, any "auto" that is leased, a. Is'effective:on the date of acquisition hired, rented or borrowed with a driver or formation, and is afforded for 180 is not a covered"auto". days after such date; E. Audio, Visual and Data Electronic Equip- b. Does not apply to "bodily injury" or ment "property damage" resulting from an SECTION III - PHYSICAL DAMAGE COV "accident" that occurred before you acquired or formed the organization; ERAGE, C. Limit of Insurance is amended by adding the following: c. Does not apply to any newly acquired 4. The most we will payfor all "loss" to au- or formed organization that is a joint venture or partnership;and dio. visual or data electronic equipment and any accessories used with this d. Does not apply to an insured under equipment as a result of any one "acci- any other automobile liability policy, dent"is the lesser of: or would be an insured under such a a. The value of the dam- policy but for the termination of such a ed actual cash property as of thee time policy or the exhaustion of such poli- g P P rtYcy's limits of insurance. of the"accident"; b. The cost of repairing or replacing the 3. Any of your "employees" While using a P 9 P g covered "auto" in your business or your damaged or stolen property with oth- personal affairs,provided you do not own, er property of like kind and quality;or hire or borrow that"auto". c. $2,500. G. Liability Coverage Extensions - Supple- Provided the equipment,at the time of the mentary Payments-Higher Limits "loss"is: SECTION II - LIABILITY COVERAGE, A. a. Permanently installed in or upon the Coverage,2.Coverage Extensions,a.Sup- covered"auto"in a housing,opening plementary Payments is amended by: or other location that is not normally 1. Replacing the $2.000 Limit of insurance used by the "auto" manufacturer for for bail bonds with$4,000 in(2);and the installation of such equipment; b. Removable from a permanentlyin 2. Replacing the$250 Limit of Insurance for - reasonable expenses with$500 in(4). stalled housing unit as described in Paragraph 2.a.above;or H. Amended Fellow Employee Exclusion c. An integral part of such equipment. SECTION II-LIABILITY COVERAGE,B.Ex F. Who is an Insured-Amended Ex- clusions,5.Fellow Employee is modified as follows: SECTION II - LIABILITY COVERAGE, A. Exclusion 5.Fellow Employee is deleted. Coverage, 1.Who Is an Insured is amended by adding the following: I. Hired Auto-Physical Damage The following are"insureds": If hired"autos"are covered"autos"for Liability 1. Anysubsidia which is a legally incorpo- Coverage, then Comprehensive and Collision • ry g Y Physical Damage Coverages'as provided un- rated entity of which you own a financial der SECTION III - PHYSICAL DAMAGE interest of more than 50% of the voting COVERAGE of this Coverage Part are ex- stock on the effective date of this cover- tended to "autos"you hire, subject to the fol- age form. lowing: However, the insurance afforded by this 1. The most we will pay for "loss" to any provision does riot apply to any subsidiary hired"auto"is$50,000 or the actual cash that is an "insured" under any other au- value or cost to repair or replace, which- tomobile liability.policy, or would be an ever is the least.minus a deductible. "insured" under such policy but for termi- nation of such policy or the exhaustion of 2. The deductible,will be equal to the largest such policy's limits of insurance. deductible applicable to any owned"auto" for 2. Any organization that is newly acquired or lesshat coverage.or$1,000,whichever Is formed by you and over which you main- .tain _majority ownership. The insurance 3. Hired Auto - Physical Damage coverage provided by this provision: is excess over any other collectible insur- ance. • Includes copyrighted material of ISO • • AA 288 01 16 Properties.Inc..with its permission. Page 2 of 4 4. Subject to the above limit,deductible,and K. Transportation Expense-Higher Limits excess provisions we will provide cover- SECTION III - PHYSICAL DAMAGE COV- age equal to the broadest coverage appli- cable to any covered "auto" you own in- ERAGE, A. Coverage, 4. Coverage Exten- sured under this policy. sions is amended by replacing $20 per day with $50 per day, and $600 maximum with Coverage indudes loss of use of that hired au- $1.500 maximum in Extension a. Transpor- to, provided it results from an "accident" for tation Expenses. which you are legally liable and as a result of L. AirbagCoverage a monetary loss Is sustained by the leasing or rental concern. The most we will SECTION III - PHYSICAL DAMAGE COV- pay for any one"accident"is$3,000. ERAGE, B. Exclusions, 3.a. is amended by If a limit for Hired Auto- Physical Damage is adding the following: shown in the Schedule, then that limit replac- However. the •mechanical and electrical - es,and is not added to,the$50,000 limit indi- breakdown portion of this exclusion does not cated above. apply to the accidental discharge of an airbag. J. Rental Reimbursement This coverage for airbags is excess over any other collectible insurance or warranty. SECTION III - PHYSICAL DAMAGE is M. Loan or Lease GapCoverage by adding the following: 1. We will pay for rental reimbursement ex- 1. SECTION IIi - PHYSICAL. DAMAGE penses incurred by you for the rental of COVERAGE, C. Limit of Insurance is an"auto"because of a"loss"to a covered deleted in its.entirety and replaced by the "auto". Payment applies in addition to the following, but only for private passenger otherwise applicable amount of each coy- type"autos"with an original loan or lease, erage you have on a covered "auto". No and only in the event of a "total loss" to deductible applies to this coverage. such a private passenger type"auto": 2. We will pay only for those expenses in- a. The most we will pay for"loss"in any curred during the'policy period beginning one"accident"is the greater of: 24 hours after the "loss" and ending, re- (1) The amount due under the terms gardless of the policy's expiration, with of the lease or loan to which the lesser of the following number of your covered private passenger days: type"auto"is subject,but will not a. The number of days reasonably re- include: quired to repair the covered"auto". If (a) Overdue lease or loan pay- "loss"is caused by theft,this number ments; of days is added to the number of days it takes to locate the covered (b) Financial penalties imposed "auto"and return it to you;or under the lease due to high b. 30 days. mileage, .excessive use or abnormal wear and tear; 3. Our payment is limited to the lesser of the (c) Security deposits not re- following amounts: funded by the lessor; • a. Necessary and actual expenses in- (d) Costs for extended warran- curred;or ties, Credit Life Insurance, b. $50 per day. Health, Accident or Disabil- ity Insurance purchased 4. This coverage does not apply while there with the loan or lease;and are spare or reserve "autos" available to you for your operations. (e) Carry-over balances from previous loans or leases.or 5. We will pay under this coverage only that amount of your rental reimbursement ex- (2) Actual cash value of the stolen penses which is not already provided for or damaged property. under SECTION III - PHYSICAL DAM- b. An adjustment for depreciation and AGE COVERAGE, A. Coverage, 4. physical condition will be made in de- Coverage Extensions. termining actual cash value at the time of"loss". • Includes copyrighted material of ISO • AA 288 01 16 Properties,Inc.,with its permission. Page 3 of 4 2. SECTION V- DEFINITIONS is amended P. Unintentional Failure to Disclose Hazards by adding the following, but only for the purposes of this Loan or Lease Gap SECTION IV - BUSINESS AUTO CONDI- Coverage: TIONS,B. General Conditions,2. Conceal- ment, Misrepresentation or Fraud is "Total loss" means a "loss" in which the amended by adding the following: cost of repairs plus the salvage value ex- ceeds the actual cash value. However. if you unintentionally fail to disclose any hazards existing on the effective date of N. Glass Repair-Waiver of Deductible this Coverage Form, we will not deny cover- SECTION III - PHYSICAL DAMAGE COV- age under this Coverage Form because of ERAGE,D.Deductible is amended by adding such failure. the following: Q. Mental Anguish Resulting from Bodily Inju- • No deductible applies to glass damage if the ry glass is repaired in a manner acceptable to us SECTION V-DEFINITIONS,C.'Bodily inju- rather than replaced. ry" is deleted in its entirety and replaced by O. Duties in the Event of an Accident, Claim, the following: Suit or Loss-Amended "Bodily injury"means bodily injury,sickness or IV - BUSINESS AUTO CONDI- disease sustained by a person,including men- SECTIONtat anguish and death sustained by the same TIONS,A.Loss Conditions,2.Duties in the person that results from such bodily injury. Event of Accident,Claim,Suit or Loss,a.is sickness or disease. "Bodily injury" does not amended by adding the following: include mental anguish or death that does not • This condition applies only when the "acci- result from bodily injury,sickness or disease. dent"or"loss"is known to: R. Coverage for Certain Operations in Con- t. You.if you are an individual; nection with Railroads 2. A partner.if you are a partnership; With respect to the use of a covered "auto" in operations for or affecting a railroad: 3. An executive officer or insurance manag- er, 1. Section V-Definitions,H."Insured con- tract",1.c.Is amended to read: 4. A member or manager, if you are a lim- ited liability company. c. An easement or license agreement; 2. Section V-Definitions, H."Insured con- tract".2.a.is deleted. • • • • • Includes copyrighted material.of ISO AA 288 01 16 Properties;Inc.,.with its permission. Page 4 of 4 SECTION V- DEFINITIONS A. "Accident" includes continuous or repeated where they are accepted by the "in- exposure to the same conditions resulting in sured"for movement into or onto the "bodily injury"or"property damage". covered"auto':or B. "Auto"means: c. After the "pollutants" or any property con- 1. A land motor vehicle, "trailer" or semi- in which the "pollutants" are trailer designed for travel onpublic roads; tamed are moved from the covered g "auto"to the place where they are fi- or natty delivered,disposed of or aban- 2. Any other land vehicle that is subject to a doned by the"insured". compulsory or financial responsibility law Paragraph a.above does not apply to f u- or other motor vehicle insurance law els, lubricants, fluids, exhaust gases or where it is licensed or principally ga- other similar"pollutants" that are needed raged. for or result from"the normal electrical, However, 'auto" does not include "mobile hydraulic or mechanical functioning of the equipment". covered"auto"or its parts,if: C. "Bodily injury"means bodily injury,sickness or (1) The "pollutants" escape, seep, disease sustained by a person including migrate, or are discharged, dis- death resulting from any of these. persed or released directly from an "auto" part designed by its D. "Covered pollution cost or expense" means manufacturer to hold, store, re- any cost or expense arising out of: calve or dispose of such "pollut- 1. Any_request, demand, order or statutory ants";and or regulatory' requirement that the "in- (2) The "bodily injury", "property sured" or others test for, monitor, clean damage" or "covered pollution up, remove, contain, treat, detoxify or cost or expense" does not arise neutralize, or in any way respond to, or out of the operation of any assess-the effects of"pollutants";or equipment listed in Paragraphs 2. Anyclaim,or "suit" byor on behalf of a 6:b. or 6.c. of the definition of "mobile equipment". governmental authority for damages be- cause of•testing for, monitoring, cleaning Paragraphs b.and c.above do not apply up, removing, containing, treating, de- to "accidents" that occur away from toxifying or_neutralizing,,or in any way re- premises owned by or rented to an "in- sponding to, or assessing the effects of sured" with respect to "pollutants" not In • "pollutants". or upon a covered"auto"if: "Covered pollution cost or expense" does not (1) The "pollutants" or any property include any cost.or expense arising out of the in which the "pollutants" are actual, alleged or threatened discharge, dis- contained are upset, overturned persal, seepage, migration, release, escape or damaged as a result of the or emission of",pollutants": • maintenance or use of a cov- a. That are,or that are contained in any eyed"auto";and property.that is: (2) The discharge, dispersal, seep- trans orted or towed b , seep- age, migration, release, escape (1) Being P Y or emission of the "pollutants" is handled, or handled for move- caused directly by such upset, ment into, onto or from the coy- overturn or damage. ered"auto"; Otherwise in the course of tran- E. "Diminution in value" means the actual or per- (2) ceived loss in market value or resale value sit by or on behalf of the "in- sured"; which results from a direct and accidental "loss". (3) Being stored, disposed of, F. "Employee" includes a "leased worker". "Em- treated or processed in or upon ployee" does not .include a "temporary the covered"auto";or worker'. b. Before the "pollutants" or any prop- G. "Insured" means any person or organization erty in which the "pollutants" are qualifying as an insured in the Who is an In- • contained are moved from the place sured provision of the applicable coverage: Includes copyrighted material of Insurance AA 101 03 06 Services Office,Inc.,with its permission. Page 11 of 14 • Except with respect to the Limit`of•.lnsurarice, c. That holds a person or organization the coverage afforded applies separately to engaged in the business of trans- each insured who is seeking coverage or porting property'.by-"auto" for hire against Whom a claim or"suit"is brought ' harmless-for your use of a covered " "auto"-overa-route or territory that �` H. insured contract": person or organization is authorized 4 1. Means: to serve by public authority. a. • A lease of premises; I. "Leased worker" means a person leased to you by a labor leasing'firth under an agree- b. A sidetrack agreement; ment between you and the labor leasing firm, to perform, duties related.to.the conduct of c. An easement or license agreement, your business. "Leased worker" Includes su- except in''connection with construe- pervtsors furished to you by the labor leasing • lion or demolition operations on or firm. "Leased.worker" does not include a within 50 feet of a railroad; "temporary worker". d. An obligation, as required by ordi- J. "Loss" means direct and accidental loss or nonce, to indemnify a municipality, damage. except in connection with work for a municipality; K. "Mobile equipment" means any of.the follow- ings. That part of anyother contract or types of land vehicles, including any at- tached machinery or equipment: agreement pertaining to your busi- ness(including an indemnification of 1. Bulldozers, farm machinery, forklifts and a municipality in connection with other vehicles designed for use princi- work performed for a municipality) pally off public roads; under which you assume the tort li- 2. Vehicles maintained for use solely on or ability of another to pay for "bodily y next topremises you own or rent; injury" or "property damage" to a third party or organization.Tort liabil- 3. Vehicles that travel on crawler treads; • ity means a liability that would be im- posed by law In the absence of any 4. Vehicles, whether self-propelled or not, contract or agreement; maintained primarily to provide mobility to f. That part of any other contract or permanently mounted: agreement entered Into, as part of a. Power cranes, shovels, loaders, dig- • your business, pertaining to the gers or drills;or rental or lease,by you or-any of your b. Road construction or resurfacing of•any.-"auto". How- ever, such contract or agreement equipment such.as graders, scrap- shall not be considered an "Insured ers or rollers. contract' to the extent that it obli- 5. Vehicles not described.in Paragraphs 1., gates you or any of your "employ- 2., 3., or 4. above that are 'not self- ees"to pay for"property damage'to propelled and are maintained primarily to any "auto" rented or leased by you provide mobility to permanently attached or any of your"employees". equipment of the following types: ' 2. Does not include that part of any contract a. Air compressors, pumps and gen- or agreement: ' orators, including'spraying, welding, •a. 'That Indemnifies a railroad for"bodily building cleaning,.geophysical explo- injury.° or "property damage" arising ration, .lighting and well servicing out.of constriction or demolition op- , equipment;or orations, within 50 feet of any rail- b. Cherry pickers•and similar devices • ' • road property and affecting any rail- used to raise or lower workers. .road bridge or trestle; tracks, road • • beds,,tunnel,underpass or.crossing; 6. Vehicles not described in Paragraphs 1., or 2.,3.,or 4.above maintained primarily for b. Thatpertains to the loan, lease or purposes,other than the transportation of persons Or cargo. • However, self- rental of an "auto" to you or any of 'propelled vehicles- with the following your "employees", if the "auto" is types of perinareritiy'attached equipment loaned, leased or, rented with a are not."mobile equipment" but will be ; a drivel or• considered'"autos°: '` • • a. 'Equipment designed primarily for: • Includes copyrighted material of Insurance AA-101 03 06 Services Office,Inc.,with its permission. Page 12 of 14 (2) In excess of the "underlying limit" d. The limits of "underlying Insurance" shall applicable to the "occurrence" only be deemed applicable, regardless of any after the insurers who provide the defense which the insurer who provides applicable "underlying insurance" the "underlying insurance" may assert have paid or become obligated to because of the insured's failure to comply pay the amount of the "underlying with any Condition of the policy or the in- limit"applicable to the"occurrence". ability of the insurer to pay by reason of Our payment will be made following final bankruptcy or insolvency. determination of the amount of the in- 9. Other Insurance sured's obligation to pay either by final judgment against the insured or by writ- This insurance is excess over, and shall not ten agreement with the insured, the contribute with any other insurance, whether claimant,the underlying insurers and us. primary, excess, contingent or on any other basis. This condition will not apply to insur- 7. Liberalization ance specifically written as excess over this If,within 60 days prior to the beginning of this Coverage Part. Coverage Part or during the policy period,we 10. Premium make any changes to any forms or endorse- ments of this Coverage Part for which there is The premium for this Coverage Part shall be currently no separate premium charge, and as stated in the Declarations. The advance that change provides more coverage than this and anniversary premiums are not subject to Coverage Part, the change will automatically adjustment, except as stated in the Declara- apply to this Coverage Part at the latter of: lions, or as stated in an endorsement issued by us to form a part of this Coverage Part. a. The date we implemented the change in your state;or You shall maintain records of such information as is necessary for premium computation,and b. The date this Coverage Part became ef- shall, if requested by us, send copies of such fective;and records to us at the end of the "coverage WUill be considered as included until the end of teen" and at such times during the policy pe- the current policy period. We will make no riod as we may direct. additional premium charge for this additional 11. Representations coverage during the interim. a. By acceptance of this Coverage Part,you . 8. Maintenance of Underlying Insurance agree that the statements in the Declara- tions are your agreements and repre- a. While this Coverage sentations, that this Coverage Part is is- insured shall maintain in force the "un- sued in reliance upon the truth of such denying insurance"listed in the Schedule representations and that this Coverage of.Underlying Insurance as collectible in- Part embodies all agreements existing surance. The terms, conditions and en- between you and us or any of our agents dorsements of"underlying insurance"will relating to this insurance. not materially change and renewals or • replacements of "underlying insurance" b. However, to the extent that the following will not be more restrictive in coverage. applies in the "underlying insurance" b. Limits of "underlying insurance" will not listed specifically in the Schedule of Un- b. denying Insurance, it will also apply to be reduced, except for any reduction or this Coverage Part: exhaustion in the aggregate limits of in- surance due to payment of claims which Based on our reliance upon your repro- are in accordance with SECTION I - sentations as to existing hazards, if un- COVERAGE, A. Insuring Agreement, intentionally you should fail to disclose all Paragraph 2.of this Coverage Part. such hazards at the inception date of this Coverage Part, we will not reject cover- c. In the event you fail or neglect to maintain age under this Coverage Part based "underlying insurance" as required, this solely on such failure. Coverage Part will apply as though such "underlying insurance" was in force and 12.,.„S,eParatiilri;of,lnsureds:, collectible at the time a claim is presented to us which is in accordance with SEC- Except with respect to the Limits of Insurance, TION I - COVERAGE, A. Insuring and any rights or duties specifically assigned Agreement, Paragraph 2, of this Cover- in this Coverage Part to the first Named In- age Part. ' sured,this insurance applies: Includes copyrighted material of ISO US 101 UM 12 04 Properties,Inc.,with its permission. Page 14 of 22 . a. As if each Named Insured were the only SECTION V-DEFINITIONS Named Insured;and 1. "Advertisement"means a notice that is broad- b. Separately to each insured against whom castor published to.the general public or spe- claim is made or"suit"is brought. cific market segments about your goods, products or services for the purpose of at- , 13. Transfer of Rights of Recovery Against trading customers or supporters. "Adver- Others to Us tisement" Includes a publicity article. For the a. If the insured has rights to recover all or purposes of this definition: part of any payment we have made un- a. Notices that are. published include mate- • der this Coverage Part, those rights are vial placed on the Internet or on similar transferred to us.. The insured must do electronic means of communication;and nothing after loss to impair them. At our request, the insured will bring "suit" or b. Regarding web-sites, only that part of a transfer those rights to us and help us web-site that is about your goods, prod- enforce them. ucts or services for the purposes of at- tracting customers or supporters is con- b. Any recoveries shall be applied as fol- sidered an"advertisement". lows: • (1) First, we will reimburse anyone, 2. "Authorized representative"means: in- cluding the insured, the amounts a. If you are: actually paid by them that were in excess of our payments; (1) An individual, you and your spouse are"authorized representatives". (2) Next, we will be reimbursed to the (2) A partnership or joint venture, your extent of our actual payment;and members, your partners, and their (3) Lastly, any amounts left after meet- spouses are "authorized representa- ing the obligations outlined in(1)and fives". (2) above will be distributed to any- one else known to us at the time a (3) A limited liability company, your recovery is made and who is legally members and your managers are • entitled to such recovery. "authorized representatives". Expenses incurred in the recovery shall (4) An organization other than a part- be apportioned among all interests in the nership,joint venture or limited liabil- ratio of their respective recoveries as fi- • ity company, your "executive offi- nally settled. If there is no recovery as a cers" and directors are "authorized result of our attempts,we shall bear all of representatives". Provided you are the recovery expenses. not a publicly traded organization, your stockholders are also author- c. If prior to an "occurrence" to which this ized representatives". Coverage Part would apply, you and the . • issuer of your applicable "underlying in- (5) A trust,your trustees are "authorized surance" listed specifically in the Schad- representatives". ule of Underlying Insurance waive any b. Your "employees" assigned to manage right of recovery against a person or or- your insurance program, or assigned to ganization for injury or damage, we will give-or receive notice of an"occurrence", also waive any rights we may have claim or"suit"are also"authorized repre- against such person or organization. sentatives". +14. When We Do Not Renew 3. "Auto"means: If we decide,not to renew this Coverage Part, a. Any land motor vehicle, trailer or semi- we will mail or deliver to•the first Named In- trailer designed'for travel on public roads; , sured shown in,the Declarations written notice or of the nonrenewal not less than 30 days be- • fore the expiration date. ` b. Any other land vehicle that is subject to a if notice is mailed,proof of mailing will be suf- compulsory or financial responsibility lawor other motor vehicle insurance law ficient proof of notice. • where it is licensed or principally ga- • raged. • "Auto"does not include"mobile equipment". , • Includes copyrighted material of ISO US 101 UM 12 04 Properties,Inc.,with its permission. Page 15 of 22 with respect to their duties as trus- (b) The "bodily injury" or "property tees. damage" is sustained by a co- b. Each of the following is also an insured: "employee"of such"employee". (3) Someone using an"auto"while he or (1) Any"employee"of yours while acting she is working in a business of sell- within the scope of their duties as ing, servicing, repairing, parking or such. storing "autos", unless that business (2) Any person or organization while is yours. acting as your real estate manager. (4) Anyone other than your "employ- (3) Any person or organization having ees", partners (if you are a partner- proper temporary custody of your ship), members (if you are a limited property if you die,but only: liability company),or a lessee or bor- rower or any of their "employees", (a) With respect to liability arising while moving property to or from an out of the maintenance or use of "auto". that property;and c. Anyone liable for the conduct of an in- (b) Until your legal representative sured described in Paragraphs 2.a. and has been appointed. b. above is also an insured, but only if they are provided insurance coverage for (4) Your legal representative if you die, such liability by valid and collectible "un- but only with respect to duties as derlying insurance"listed in the Schedule such. of Underlying Insurance and then only for 2. Only with respect to liability arising out of the such hazards for which coverage is pro- vided by such"underlying insurance". ownership,maintenance,occupancy or use of an"auto": 3. At your option and subject to the terms of this a. You are an insured. insurance, any additional insureds not ad- dressed by Paragraphs 1. and 2. above cov- b. Anyone else while using with your.per- ered in the "underlying insurance"listed in the mission an "auto"you own,hire or borrow Schedule of Underlying Insurance are also in- is also an insured except: sureds,but only to the extent that insurance is (1) The owner or any other person or u oder. for such additional insureds there- organization (except your"executive officers" or principals) from whom No person or organization is an insured with re- you hire or borrow an "auto", unless spect to the conduct of any current or past part- such persons or organizations are nership, joint venture, or limited liability company insureds in your "underlying insur- that is not shown as a Named Insured in the Dec- ance" listed in the Schedule of Un- larations. denying Insurance,and then only for SECTION III-LIMITS OF INSURANCE such hazards for which coverage is provided by such "underlying insur- • 1. The Limits of Insurance shown in the Declara- ance". This exception does not ap- tions and the rules below fix the most we will ply if the "auto" is a trailer or semi- pay regardless of the number of: trailer connected to an "auto" you own. a. Insureds; (2) Your "employee", if the "auto" is b. Claims made or"suits"brought;or owned by that "employee" or a member of his or her household, c. Persons or organizations making claims unless: or bringing"suits". (a) Such "employee" is an insured 2. The Aggregate Limit is the most we will pay with respect to that"auto" in the for all damages: "underlying insurance" listed in a. Included in the "products-completed op- the Schedule of Underlying In- erations hazard"; surance, and then only for such hazards for which coverage is b. Because of "bodily injury" by disease provided by such "underlying in- sustained by your "employees" arising surance";or out of and in the course of their employ- ment by you;or includes copyrighted material of ISO US 101 UM 12 04 Properties,Inc.,with its permission. Page 11 of 22 gate Limit of Insurance, Paragraph 2.b., your behalf at the same location for or the Construction Project General Ag- the same persons or organizations, gregate Limit of Insurance, Paragraph no matter how often or under how 2.c.applies, many different contracts, will be b. A separate Location General Aggregate p ect to be a single construction Limit of Insurance,equal to the amount of p roi the General Aggregate Limit shown in the 3. The Products-Completed Operations Aggre- Declarations,shall apply to each location gate Limit is the most we will pay under COV- owned by,or rented or leased to you and ERAGE A. BODILY INJURY AND PROP- is the most we will pay for the sum of: ERTY DAMAGE UABIUTY for damages be- cause of "bodily injury" and "property dam- (1) Damages under COVERAGE A. age" included in the "products-completed op- BODILY INJURY AND PROPERTY erations hazard". DAMAGE LIABILITY, except dam- ages because of "bodily Injury" or 4. Subject to 2.a. above, the Personal and Ad- "property damage" included in the vertising Injury Limit is the most we will pay "products-completed , operations under COVERAGE B. PERSONAL AND AD- hazard";and VERTISING INJURY LIABILITY for the sum of Medical expenses under COVER- all damages because of all"personal and ad- (2) P vertising injury" sustained by any one person AGE C.MEDICAL PAYMENTS, or organization. which can be attributed to operations at 5. Subject to 2. or 3. above, whichever applies, only a single location owned by,or rented the Each Occurrence Limit is the most we will or leased to you. pay for the sum of: c. A separate Construction Project General a. Damages under COVERAGE A. BODILY Aggregate Limit of Insurance, equal to INJURY AND PROPERTY DAMAGE Li- the amount of the General Aggregate ABIUTY;and Limit shown in the Declarations, shall ap- ply to each construction project and is the b. Medical expenses under COVERAGE C. most we will pay for the sum of: MEDICAL PAYMENTS; (1) Damages under COVERAGE A. because of all "bodily Injury" and "property BODILY INJURY AND PROPERTY damage"arising out of any one"occurrence". DAMAGE LIABILITY, except dam- theDamage to Premises 6. Subject to 5.above, ama ages because of "bodily injury" or jg "property damage" included in the Rented to You Limit is the most we will pay "products-completed operations under COVERAGE A. BODILY INJURY AND hazard";and PROPERTY DAMAGE LIABILITY for dam- ages because of "property damage" to any (2) Medical expenses under COVER- one premises, while rented to you, or in the AGE C.MEDICAL PAYMENTS; case of damage by fire or explosion, while which can be attributed onlyto ongoing rented to you or temporarily occupied by you g g with permission of the owner. operations and only at a single construc- tion project. 7. Subject to 5. above, the Medical Expense COVER- d. Onlyfor the purpose of determiningwhich Limit is the most we will pay under P rP AGE C. MEDICAL PAYMENTS for all medical General Aggregate Limit of Insurance, expenses because of"bodily injury' sustained 2.a.,2.b.,or 2.c.,applies: by any one person. (1) Location means premises involving The Limits of Insurance of this Coverage Part ap- the same or connecting lots, or ply separately to each"coverage term". premises,whose connection is inter- rupted only by a street, roadway, SECTION IV - COMMERCIAL GENERAL LI- waterway or right-of-way of a rail- ABILITY CONDITIONS road. 1. Bankruptcy (2) Construction project means a loca- tion you do not own, rent or lease Bankruptcy or insolvency of the insured or of where ongoing improvements, al- the insured's estate will not relieve us of our terations, installation, demolition or obligations under this Coverage Part. maintenance work is performed by 2. Duties in the Event of Occurrence,Offense, you or on your behalf. All connected Claim or Suit ongoing improvements, alterations, installation, demolition or mainte- a. You must see to it that we are notified as nance work perfotmed by you or on soon as practicable of an"occurrence"'or Includes copyrighted material of Insurance GA 101 12 04 Services Office,Inc.,with its permission. Page 13 of 22 premises rented to you or tem- shown in the Declarations of this Cover- porarily occupied by you with age Part. permission of the owner;or c. Method of Sharing (d) If the loss arises out of the maintenance or-use of aircraft, If all of the other insurance permits con- "autos" or watercraft to the ex- tribution by equal shares, we will follow tent not subject to SECTION I - this method also. Under this approach COVERAGES, COVERAGE A. each insurer contributes equal amounts BODILY INJURY AND PROP- until it has paid its applicable limit of in- ERTY DAMAGE LIABILITY, 2. surance or none of the loss remains, Exclusions,g.Aircraft,Auto or whichever comes first. Watercraft. IF any of the other insurance does not (2) Any other primary insurance avail- permit contribution by equal shares, we able to the insured covering liability will contribute by limits. Under this for damages arising out of the method,each insurer's share is based on premises or operations, or the prod- the ratio of its applicable limit of insurance ucts and completed operations, for to the total applicable limits of insurance which the insured has been added of all insurers. as an additional insured by attach- 6. Premium Audit ment of an endorsement. a. We will compute all premiums for this (3) Any other insurance: Coverage Part in accordance with our (a) Whether primary, excess, con- rules and rates. tingent or on any other basis, b. Premium shown in this Coverage Part as except when such insurance is advance premium is a deposit premium written specifically to be excess only. At the close of each audit period we over this insurance;and will compute the earned premium for that (b) That is a consolidated (wrap-up) period and send notice to the first Named insurance program which has Insured. The due date for audit and ret- been provided by the prime rospective premiums is the date shown contractor/project manager or as the due date on the bill. If: owner of the consolidated proj- ect in which you are involved. (1) The earned premium is less than the deposit premium, we will return the When this insurance is excess, we will excess to the first Named Insured;or have no duty under COVERAGE A. BODILY INJURY AND PROPERTY (2) The earned premium is greater than DAMAGE LIABILITY or COVERAGE B. willll deposit premium, the difference PERSONAL AND ADVERTISING IN- be due and Insured uponPayable to notice by the JURY LIABILITY to defend the insured first Named from against any "suit" if any other Insurer has us. a duty to defend the insured against that c. The first Named Insured must keep rec- "suit". If no other insurer defends,we will ords of the information we need for pre- undertake to do so, but we will be entitled mium computation,and send us copies at to the insured's rights against all those such times as we may request other insurers. 7. Representations When this insurance is excess over other insurance, we will pay only our share of By accepting this Coverage Part,you agree: the amount of the loss, if any, that ex- a. The statements in the Declarations are ceeds the sum of: accurate and complete; (1) The total amount that all such other b. Those statements are based upon repre- insurance would pay for the loss in sentations you made to us;and the absence of this insurance;and The total of all deductible and self- c. We have issued this Coverage Part in re- (2) liance upon your representations. insured amounts under all that other ,,.,r insurance. 8. Separation-of1nsureds:L! We will share the remaining loss, if any, Except with respect to the Limits of Insurance, with any other insurance that Is not de- and any rights or duties specifically assigned scribed in this Excess Insurance provi- in this Coverage Part to the first Named In- sion and was not bought specifically to sured,this insurance applies: apply in excess of the Limits of Insurance Includes copyrighted material of Insurance GA 101 12 04 Services Office,Inc.,with its permission. Page 15 of 22 a. As if each Named Insured were the only (1) An Individual, you and your spouse Named insured;and are"authorized representatives". b. Separately to each insured against whom (2) A partnership or joint venture, your claim is made or"suit"is brought members, your partners, and their .}, 9. Transfer of Rights of Recovery Against fives".spouses are "authorized representa- Others to Us (3) A limited liability company, your If the insured has rights to recover all or part members and your managers are of any payment we have made under this "authorized representatives". Coverage,Part,those rights are transferred to us. The insured must do nothing after loss to (4) An organization other than a part- impair them. At our request, the insured will nership,joint venture or limited liabil- bring "suit or transfer those rights to us and ity company, your "executive offi- help us enforce them. cars" and directors are "authorized representatives"; Provided you are 10. Two or More Coverage Forms or Policies not a publicly traded organization, Issued by Us your stockholders are also "author- If this Coverage Part and any other Coverage ized representatives". Form, Coverage Part or policy issued to you (5) A trust,your trustees are "authorized by us or any company affiliated with us apply representatives". to the same "occurrence" or "personal and advertising injury" offense, the aggregate b. Your"employees": maximum limit of insurance under all the Cov- erage Forms,Coverage Parts or policies shall (1) Assigned to manage your insurance not exceed the highest applicable limit of in- program;or surance under any one Coverage Form,Coy- (2) Responsible for giving or receiving erage Part or policy. This condition does not notice of an "occurrence", "personal apply to any Coverage Form, Coverage Part and advertising injury"offense, claim or policy issued by us or an affiliated company or"suit";, specifically to apply as excess insurance over this Coverage Part. are also"authorized representatives". 11. When We Do Not Renew 3. "Auto"means: If we decide not to renew this Coverage Part, a. A land motor vehicle,trailer or semitrailer we will mail or deliver to the first Named In- designed for travel on public roads, in- • sured shown in the Declarations written notice cluding any attached machinery or of the nonrenewal not less than 30 days be- equipment;or fore the expiration date. b. Any other land vehicle that is subject to a If notice is mailed,proof of mailing will be suf- compulsory or financial responsibility law ficient proof of notice. or other motor vehicle insurance law in SECTION V-DEFINITIONS the state where it is licensed or principally garaged. 1. "Advertisement"means a notice that is broad- However, "auto" does not include "mobile . cast,telecast or published to the general pub- equipment". lic or specific market segments about your goods,products or services forthe purpose of 4. "Bodily injury"means bodily injury,sickness or attracting customers or supporters. "Adver- disease sustained by a person, including • tisemenr includes a publicity article. For pur- death resulting from any of these at any time. poses of this definition: 5. "Coverage term" means the following individ- a. Notices that are published•Include mate- ual increment,or if a multi-year policy period, rial placed on the Internet or on similar increments,of time,which comprise the policy electronic means of communication;and period of this Coverage Part: b. Regarding web-sites, only that part of a a. The year commencing on the Effective web-site that.is about your goods, prod- Date of this Coverage Part at 12:01 AM ucts or services for the purposes of at- standard time at your mailing address trading customers or supporters is con- shown in the Declarations, and if a multi- sidered an"advertisement". year policy period, each consecutive an- resentative"means: nuai'period thereafter,or portion thereof if 2. "Authorized representative" any period is for a"period-of less than 12 a. If you are designated in the Declarations months, constitute individual "coverage • • as: • terms".The last coverage term" ends at . Includes copyrighted material of Insurance GA 101 12 04 Services Office,Inc.,with its permission. Page 16 of 22 Labor&Industries(hS.tps://Ini.wa.gov), Contractors STANDARD PLG HTG CONTROLS CORP Owner or tradesperson E 10419 TRENT AVE Principals SPOKANE,WA 99206 JOHNSON,BRYAN W,VICE PRESIDENT 509-922-1717 SPOKANE County SCHMIDT,MARY LYNN,SECRETARY SCHMIDT,WESLEY ALLEN,MEMBER Doing business as STANDARD PLG HTG CONTROLS CORP WA UBI No. Business type 600 238 386 Corporation Governing persons WESLEY A SCHMIDT BRYAN JOHNSON; MARY L SCHMIDT; License Verify the contractor's active registration/license/certification(depending on trade)and any past violations. Construction Contractor Active Meets current requirements. License specialties GENERAL License no. STANDPH234OA Effective—expiration 09/01/1977—07/25/2020 Bond NATIONWIDE MUTUAL INS CO $12,000.00 Bond account no. 7900317919 Received by L&I Effective date 08/23/2007 07/25/2007 Expiration date Until Canceled Insurance Cincinnati Ins Co $1,000,000.00 Policy no. EPP0517530 Received by L&I Effective date 12/26/2018 01/01/2019 Expiration date 01/01/2022 Cincinnati Ins Co $1,000,000.00 Policy no. EPP0517530 _ Received by L&I Effective date 12/26/2018 01/01/2019 Expiration date 01/01/2020 Insurance history Savings No savings accounts during the previous 6 year period. Lawsuits against the bond or savings No lawsuits against the bond or savings accounts during the previous 6 year period. L&I Tax debts No L&I tax debts are recorded for this contractor license during the previous 6 year period,but some debts may be recorded by other agencies. License Violations No license violations during the previous 6 year period. Certifications & Endorsements OMWBE Certifications No active certifications exist for this business. Apprentice Training Agent Not allowed to have apprentices. Workers' Comp Do you know if the business has employees?If so,verify the business is up-to-date on workers'comp premiums. L&I Account ID Account is current. 382 972-00 Doing business as STANDARD PLUMBING HEATING Estimated workers reported Quarter 3 of Year 2019"21 to 30 Workers" L&I account contact T3/DAVID PRYOR(360)902-4804-Email:PRYD235@lni.wa.gov Public Works Requirements Verify the contractor is eligible to perform work on public works projects. Required Training—Effective July 1,2019 Exempt from this requirement. Contractor Strikes No strikes have been issued against this contractor. Contractors not allowed to bid No debarments have been issued against this contractor. Workplace Safety & Health Check for any past safety and health violations found on jobsites this business was responsible for. No inspections during the previous 6 year period. Washington St.opamimtof Labor&Industries_(https://Ini.wa.gov), Contractors STANDARD PLBG HTG CNTRLS CORP Owner or tradesperson 10419 E TRENT AVE Principals SPOKANE,WA 99206 SCHMIDT,W A,PRESIDENT 509-922-1717 SPOKANE County JOHNSON,BRYAN,VICE PRESIDENT SCHMIDT,MARY,SECRETARY SCHMIDT,MARY,TREASURER RODMAN,DON,AGENT Doing business as STANDARD PLBG HTG CNTRLS CORP WA UBI No. Business type 600 238 386 Corporation Governing persons WESLEY A SCHMIDT BRYAN JOHNSON; MARY L SCHMIDT; License Verify the contractor's active registration/license/certification(depending on trade)and any past violations. Electrical Contractor Active Meets current requirements. License specialties LIMITED ENERGY HVAC/RFRG License no. STANDPH037LR Effective—expiration 06/19/1997—06/19/2021 Designated administrator Active ' HEITSTUMAN,DAVID C Meets current requirements. License type License no. Master Electrician HEITSDC976CJ Bond NATIONWIDE MUTUAL INS CO $4,000.00 Bond account no. 7900321874 Received by L&I Effective date 09/06/2007 10/13/2007 Expiration date Until Canceled Savings No savings accounts during the previous 6 year period. License Violations No license violations during the previous 6 year period. Certifications & Endorsements • - OMWBE Certifications No active certifications exist for this business. Apprentice Training Agent Not allowed fo have apprentices. Workers' Comp Do you know if the business has employees?If so,verify the business is up-to-date on workers'comp premiums. L&I Account ID Account is current. 382,972-00 Doing business as STANDARD PLUMBING HEATING Estimated workers reported Quarter 3 of Year 2019"21 to 30 Workers" L&I account contact T3/DAVID PRYOR(360)902-4804-Email:PRYD235@lni.wa.gov Public Works Requirements Verify the contractor is eligible to perform work on public works projects. Required Training—Effective Julr 1,2019 Exempt from this requirement. Contractor Strikes No strikes have been Issued against this contractor. Contractors not allowed to bid WO'debarments have been issued against this contractor. Workplace Safety& Health Check for any past safety and health violations found on jobsites this business was responsible for. No inspections during the previous 6 year period.