Loading...
General Liability/Workers Comp 1/28/2023-1/28/2024 ----1 AMERI-9 OP ID: AM ACORN CERTIFICATE OF LIABILITY INSURANCE DATE(MM/DD/YYYY) ��. 08/17/2023 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 conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER 954-883-2900 I CONTACT Tanenbaum Harber of Florida Tanenbaum Harber of Florida o --- 2900 SW 149th Avenue A/C,NNo,Ext:954-883-2900 (A/CFAX,No):954-517-7400 Miramar,FL 33027-6605 $;_ Tanenbaum Harber of Florida INSURERS AFFORDING COVERAGE NAIC# INSURER A:Evanston Insurance Co. 35378 INSURED INSURER B: American Design Engineering Construction Inc 2200 N.Commerce Parkway,#200 INSURER C: Weston,FL 33326 INSURER D: 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 TYPE OF INSURANCE ADDL SUBR POLICY EFF POLICY EXP I: , , ,gyp POLICY NUMBER IMM/DD/YYYYI IMM/DD/YYYY) LIMITS A X COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE I $ 1,000,000 �' CLAIMS-MADE [X OCCUR y y 3AA637616 01/28/2023 01/28/2024 pREMSEs EaEoNTaiErence) $ 100,0001/ MED EXP(Any one person) $ 5,000 PERSONAL&ADV INJURY $ 1,000,000 GEM.AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $ 2,000,000 ✓ X POLICY I I lj of LOC PRODUCTS-COMP/OP AGG $ 2,000,000 OTHER: AUTOMOBILE LIABILITY CEO aB Ndent SINGLE LIMIT) $ ANY AUTO BODILY INJURY(Per person) $ OWNED SCHEDULED - — -- AUTOSONLY AUTOS W D BODILY INJURY(Per accident) $ A AUTOS O UTOS ONLY Y (Perr a dentDAMAGE $ - ------ A UMBRELLALIAB X OCCUR EACH OCCURRENCE $ 3,000,000 ✓ X EXCESSLIAB CLAIMS-MADE EZXS3103699 01/28/2023'I01/28/2024 AGGREGATE $ 3,000,000 DED I RETENTION$ I $ WORKERS COMPENSATION PER OTH AND EMPLOYERS'LIABILITY STATUTE Y/NER ANY PROPRIETOR/PARTNER/EXECUTIVE EL.EACH ACCIDENT $ OFFICER/MEMBER EXCLUDED? N/A (Mandatory in NH) If yes,describe under E.L.DISEASE-EA EMPLOYEE $ DESCRIPTION OF OPERATIONS below EL.DISEASE-POLICY LIMIT $ DESCRIPTION OF OPERATIONS/LOCATIONS/VEHICLES (ACORD 101.Additional Remarks Schedule,may be attached if more space is required) City of Okeechobee is named as Additional Insured as respects to General Liability when required by written contract.Waiver of Subrogation applies. CERTIFICATE HOLDER CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE CITY OF OKEECHOBEE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. 55 SE 3RD AVENUE OKEECHOBEE, FL 34974 AUTHORIZEC REPRESENTATIVE . /1/A,ow ACORD 25(2016/03) ©1988-2015 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD FLORIDA FACE PAGE Insured's Name: American Design Engineering Construction Inc Policy#:3AA637616 Policy Dates From:01/28/2023 To: 01/28/2024 Surplus Lines Agent's Name: Jeff Aumick Surplus Lines Agent's Address: 477 South Rosemary Avenue Suite 215 West Palm Beach FL 33401 Surplus Lines Agent's License#: A009843 Producing Agent's Name: Diane Cunningham Producing Agent's Physical Address: 2900 SW 149th Avenue, Suite 100, Miramar, FL 33027 "THIS INSURANCE IS ISSUED PURSUANT TO THE FLORIDA SURPLUS LINES LAW. PERSONS INSURED BY SURPLUS LINES CARRIERS DO NOT HAVE THE PROTECTION OF THE FLORIDA INSURANCE GUARANTY ACT TO THE EXTENT OF ANY RIGHT OF RECOVERY FOR THE OBLIGATION OF AN INSOLVENT UNLICENSED INSURER." "SURPLUS LINES INSURERS' POLICY RATES AND FORMS ARE NOT APPROVED BY ANY FLORIDA REGULATORY AGENCY." Policy Premium: $23,825.00 Policy Fee: $400.00 Inspection Fee: N/A Surcharge: N/A Tax: $1,196.72 Citizen's Assessment: N/A Stamping Fee: $14.54 FIGA: N/A Surplus Lines Countersignature: ❑ "THIS POLICY CONTAINS A SEPARATE DEDUCTIBLE FOR HURRICANE OR WIND LOSSES, WHICH MAY RESULT IN HIGH OUT-OF-POCKET EXPENSES TO YOU." "THIS POLICY CONTAINS A CO-PAY PROVISION THAT MAY RESULT IN HIGH El OUT-OF-POCKET EXPENSES TO YOU." 111 EVANSTON INSURANCE COMPANY State Transaction Code: MARKEL' COMMON POLICY DECLARATIONS POLICY NUMBER: 3AA637616 RENEWAL OF POLICY: 3AA537727 Named Insured and Mailing Address(No., Street,Town or City, County, State, Zip Code) AMERICAN DESIGN ENGINEERING CONSTRUCTION INC. 2200 N. COMMERCE PARKWAY, STE 200 WESTON, FL 33326 Policy Period: From 01/28/2023 to 01/28/2024 at 12:01 A.M. Standard Time at your mailing address shown above. BUSINESS DESCRIPTION: CONCRETE AND SIDEWALK INSTALLATION/REPAIR FOR FLDOT FORM OF BUSINESS El Individual El Partnership ❑ Joint Venture El Trust ® Corporation ❑ Limited Liability Company ❑ Other Organization: Audit Period:Annual unless otherwise stated: FTZ Code: IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL THE TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. THIS POLICY CONSISTS OF THE FOLLOWING COVERAGE PART(S), BUT ONLY FOR WHICH A PREMIUM IS INDICATED.THIS PREMIUM MAY BE SUBJECT TO ADJUSTMENT. Commercial Property Coverage Part $ Not Covered Commercial General Liability Coverage Part $ 23,825.00 Commercial Inland Marine Coverage Part $ Not Covered Commercial Ocean Marine Coverage Part $ Not Covered Commercial Professional Liability Coverage Part $ Not Covered Commercial Automobile Liability Coverage Part $ Not Covered Liquor Liability Coverage Part $ Not Covered Crime Coverage Part $ Not Covered Other Coverages: Terrorism-Certified Acts $ Excluded $ Premium Total $ 23,825.00 Other Charges: Taxes and Fees-See MDIL 1002 $ 1,611.26 $ $ GRAND TOTAL $ 25,436.26 "THIS INSURANCE IS ISSUED PURSUANT TO THE FLORIDA SURPLUS LINES LAW. PERSONS INSURED BY SURPLUS LINES CARRIERS DO NOT HAVE THE PROTECTION OF THE FLORIDA INSURANCE GUARANTY ACT TO THE EXTENT OF ANY RIGHT OF RECOVERY FOR THE OBLIGATION OF AN INSOLVENT UNLICENSED INSURER." "SURPLUS LINES INSURERS' POLICY RATES AND FORMS ARE NOT APPROVED BY ANY FLORIDA REGULATORY AGENCY." Producer Number, Name and Mailing Address MDIL 1000 08 11 Page 1 of 2 210342 State Surplus Lines License# RT Specialty, LLC 1551 Sawgrass Corporate Parkway Suite 220 Inspection Ordered:Yes ❑ No Sunrise, FL 33323 Program Code: Endorsements Forms and Endorsements applying to this Coverage Part and made part of this policy at time of issue: SEE FORMS SCHEDULE-MDIL 1001 These declarations, together with the Common Policy Conditions and Coverage Form(s) and any Endorsement(s), complete the above numbered policy. Countersigned: 02/08/2023 BY: 9/#(7 7 Date MDIL 1000 08 11 Page 2 of 2 111 EVANSTON INSURANCE COMPANY MARKEL' COMMERCIAL GENERAL LIABILITY COVERAGE PART DECLARATIONS POLICY NUMBER: 3AA637616 El"X" If Supplemental Declarations Is Attached RETROACTIVE DATE THIS INSURANCE DOES NOT APPLY TO"BODILY INJURY", "PROPERTY DAMAGE"OR"PERSONAL AND ADVERTISING INJURY"WHICH OCCURS BEFORE THE RETROACTIVE DATE, IF ANY, SHOWN BELOW. RETROACTIVE DATE: None (ENTER DATE OR"NONE" IF NO RETROACTIVE DATE APPLIES) LIMITS OF INSURANCE General Aggregate Limit(other than Products/Completed Operations) $2,000,000 Products/Completed Operations Aggregate Limit $2,000,000 Personal and Advertising Injury Limit $ 1,000,000 Any One Person or Organization Each Occurrence Limit $ 1,000,000 Damage to Premises Rented to You Limit $ 100,000 Any One Premises Medical Expense Limit $ 5,000 Any One Person ALL PREMISES YOU OWN, RENT OR OCCUPY Loc. No. ADDRESS OF ALL PREMISES YOU OWN, RENT OR OCCUPY 1 2200 N. Commerce Parkway, Ste 200,WESTON, FL, 33326 CLASSIFICATION AND PREMIUM Loc. No Code No. Rating Premium Other Rate Advance Premium Classification Basis Basis Basis Pr/Co All Other Pr/Co All Other 1 91560 Concrete Per$1,000 1,970,487 $12.04 $23,725 Construction of Gross Sales 1 91585 Contractors- Per$1,000 Incl. Incl. Incl. subcontracted work-in of Total connection with Cost construction, reconstruction, repair or erection of buildings- Not Otherwise Classified Add'I Insured-CG 20 10 Each 1 $100 ISO contractors bundle- Percent of Incl. Incl. Incl. CG 20 33 rate CG2039 CG2453 CG2001 MEGL 0313 MDGL 1008 08 11 Page 1 of 2 *(a)Area *(c)Total Cost *(m)Admissions *(p) Payroll *(s)Gross Sales (u) Units*(r) Total Advance $23,825 Gross Receipts (e) Each (o) Other: Premium Premium Basis identified with a"*" is per 1000 of selected basis. These declarations,together with the Common Policy Conditions and Coverage Form(s)and any Endorsement(s), complete the above numbered policy. FORMS AND ENDORSEMENTS SEE FORMS SCHEDULE-MDIL 1001 MDGL 1008 08 11 Page 2 of 2 COMMERCIAL GENERAL LIABILITY CG00010413 COMMERCIAL GENERAL LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage. (2) The "bodily injury" or "property damage" Read the entire policy carefully to determine rights, occurs during the policy period; and duties and what is and is not covered. (3) Prior to the policy period, no insured listed Throughout this policy the words "you" and "your" under Paragraph 1. of Section II — Who Is refer to the Named Insured shown in the Declarations, An Insured and no "employee" authorized and any other person or organization qualifying as a by you to give or receive notice of an Named Insured under this policy. The words "we", "occurrence" or claim, knew that the "bodily "us" and "our" refer to the company providing this injury" or "property damage" had occurred, insurance. in whole or in part. If such a listed insured The word "insured"means any person or organization or authorized "employee" knew, prior to the qualifying as such under Section II — Who Is An policy period, that the "bodily injury" or Insured. "property damage" occurred, then any continuation, change or resumption of such Other words and phrases that appear in quotation "bodily injury" or "property damage" during marks have special meaning. Refer to Section V — or after the policy Definitions. p y period will be deemed to have been known prior to the policy period. SECTION I—COVERAGES c. "Bodily injury" or "property damage" which COVERAGE A—BODILY INJURY AND PROPERTY occurs during the policy period and was not, DAMAGE LIABILITY prior to the policy period, known to have 1. Insuring Agreement occurred by any insured listed under Paragraph 1. of Section li—Who Is An Insured a. We will pay those sums that the insured or any"employee"authorized by you to give or becomes legally obligated to pay as damages receive notice of an "occurrence" or claim, because of"bodily injury"or"property damage" includes any continuation, change or to which this insurance applies. We will have resumption of that "bodily injury" or "property the right and duty to defend the insured against damage"after the end of the policy period. any "suit" seeking those damages. However, d. "Bodily injury" or "property damage" will be we will have no duty to defend the insured deemed to have been known to have occurred against any "suit" seeking damages for"bodily at the earliest time when any insured listed injury" or "property damage" to which this under Paragraph 1. of Section II — Who Is An insurance does not apply. We may, at our Insured or any"employee"authorized by you to discretion, investigate any "occurrence" and give or receive notice of an "occurrence" or settle any claim or"suit"that may result. But: claim: (1) The amount we will pay for damages is (1) Reports all, or any part, of the"bodily injury" limited as described in Section III — Limits or "property damage" to us or any other Of Insurance; and insurer; (2) Our right and duty to defend ends when we (2) Receives a written or verbal demand or have used up the applicable limit of insurance in the payment of judgments or claim for damages because of the "bodily settlements under Coverages A or B or injury or property damage , or medical expenses under Coverage C. (3) Becomes aware by any other means that No other obligation or liability to pay sums or "bodily injury" or "property damage" has perform acts or services is covered unless occurred or has begun to occur. explicitly provided for under Supplementary e. Damages because of "bodily injury" include Payments—Coverages A and B. damages claimed by any person or b. This insurance applies to "bodily injury" and organization for care, loss of services or death "property damage"only if: resulting at any time from the"bodily injury". (1) The "bodily injury" or "property damage" is caused by an "occurrence" that takes place in the"coverage territory"; CG 00 01 0413 ©Insurance Services Office, Inc.,2012 Page 1 of 16 2. Exclusions This exclusion applies even if the claims This insurance does not apply to: against any insured allege negligence or other wrongdoing in: a. Expected Or Intended Injury "Bodilyinjury" or "property dama e" expected (a) The supervision, hiring, employment, J rY 9 P training or monitoring of others by that or intended from the standpoint of the insured. insured; or This exclusion does not apply to "bodily injury" resulting from the use of reasonable force to (b) Providing or failing to provide protect persons or property. transportation with respect to any person that may be under the influence b. Contractual Liability of alcohol; "Bodily injury" or "property damage" for which if the "occurrence" which caused the "bodily the insured is obligated to pay damages by injury" or "property damage", involved that reason of the assumption of liability in a which is described in Paragraph (1), (2) or (3) contract or agreement. This exclusion does not above. apply to liability for damages: However, this exclusion applies only if you are (1) That the insured would have in the absence in the business of manufacturing, distributing, of the contract or agreement; or selling, serving or furnishing alcoholic (2) Assumed in a contract or agreement that is beverages. For the purposes of this exclusion, an "insured contract", provided the "bodily permitting a person to bring alcoholic injury" or "property damage" occurs beverages on your premises, for consumption subsequent to the execution of the contract on your premises, whether or not a fee is or agreement. Solely for the purposes of charged or a license is required for such liability assumed in an "insured contract", activity, is not by itself considered the business reasonable attorneys' fees and necessary of selling, serving or furnishing alcoholic litigation expenses incurred by or for a party beverages. other than an insured are deemed to be d. Workers'Compensation And Similar Laws damages because of "bodily injury" or "property damage", provided: Any obligation of the insured under a workers' compensation, disability benefits or (a) Liability to such party for, or for the cost unemployment compensation law or any of, that party's defense has also been similar law. assumed in the same"insured contract"; and e. Employer's Liability (b) Such attorneys' fees and litigation "Bodily injury"to: expenses are for defense of that party (1) An "employee" of the insured arising out of against a civil or alternative dispute and in the course of: resolution proceeding in which damages (a) Employment by the insured; or to which this insurance applies are alleged. (b) Performing duties related to the conduct c. Liquor Liability of the insured's business; or "Bodily injury" or "property damage" for which (2) The spouse, child, parent, brother or sister of that "employee" as a consequence of any insured may be held liable by reason of: Paragraph (1)above. (1) Causing or contributing to the intoxication of This exclusion applies whether the insured any person; may be liable as an employer or in any other (2) The furnishing of alcoholic beverages to a capacity and to any obligation to share person under the legal drinking age or damages with or repay someone else who under the influence of alcohol; or must pay damages because of the injury. (3) Any statute, ordinance or regulation relating This exclusion does not apply to liability to the sale, gift, distribution or use of assumed by the insured under an "insured alcoholic beverages. contract". Page 2 of 16 ©Insurance Services Office, Inc.,2012 CG 00 01 0413 f. Pollution (d) At or from any premises, site or location (1) "Bodily injury" or "property damage" arising on which any insured or any contractors out of the actual, alleged or threatened or subcontractors working directly or discharge, dispersal, seepage, migration, indirectly on any insured's behalf are release or escape of"pollutants": performing operations if the "pollutants" are brought on or to the premises, site (a) At or from any premises, site or location or location in connection with such which is or was at any time owned or operations by such insured, contractor occupied by, or rented or loaned to, any or subcontractor. However, this insured. However, this subparagraph subparagraph does not apply to: does not apply to: (i) "Bodily injury" or "property damage" e" (i) "Bodily injury" if sustained within a arising out of the escape of fuels, building and caused by smoke, lubricants or other operating fluids fumes, vapor or soot produced by or which are needed to perform the originating from equipment that is normal electrical, hydraulic or used to heat, cool or dehumidify the mechanical functions necessary for building, or equipment that is used to the operation of "mobile equipment" heat water for personal use, by the or its parts, if such fuels, lubricants building's occupants or their guests; or other operating fluids escape from (ii) "Bodily injury" or "property damage" a vehicle part designed to hold, store for which you may be held liable, if or receive them. This exception does you are a contractor and the owner not apply if the "bodily injury" or or lessee of such premises, site or "property damage" arises out of the location has been added to your intentional discharge, dispersal or policy as an additional insured with release of the fuels, lubricants or respect to your ongoing operations other operating fluids, or if such performed for that additional insured fuels, lubricants or other operating at that premises, site or location and fluids are brought on or to the such premises, site or location is not premises, site or location with the and never was owned or occupied intent that they be discharged, by, or rented or loaned to, any dispersed or released as part of the insured, other than that additional operations being performed by such insured; or insured, contractor or subcontractor; (iii) "Bodily injury" or "property damage" (ii) "Bodily injury" or "property damage" arising out of heat, smoke or fumes sustained within a building and from a"hostile fire"; caused by the release of gases, (b) At or from any premises, site or location fumes or vapors from materials which is or was at any time used by or brought into that building in for any insured or others for the connection with operations being handling, storage, disposal, processing performed by you or on your behalf or treatment of waste; by a contractor or subcontractor; or (c) Which are or were at any time (iii) "Bodily injury" or "property damage" transported, handled, stored, treated, arising out of heat, smoke or fumes disposed of, or processed as waste by from a hostile fire". or for: (e) At or from any premises, site or location (i) Any insured; or on which any insured or any contractors or subcontractors working directly or (ii) Any person or organization for whom indirectly on any insured's behalf are you may be legally responsible; or performing operations if the operations are to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of, "pollutants". CG 00 01 0413 ©Insurance Services Office, Inc.,2012 Page 3 of 16 (2) Any loss, cost or expense arising out of (5) "Bodily injury" or"property damage" arising any: out of: (a) Request, demand, order or statutory or (a) The operation of machinery or regulatory requirement that any insured equipment that is attached to, or part of, or others test for, monitor, clean up, a land vehicle that would qualify under remove, contain, treat, detoxify or the definition of"mobile equipment" if it neutralize, or in any way respond to, or were not subject to a compulsory or assess the effects of, "pollutants"; or financial responsibility law or other (b) Claim or suit by or on behalf of a motor vehicle insurance law where it is governmental authority for damages licensed or principally garaged; or because of testing for, monitoring, (b) The operation of any of the machinery cleaning up, removing, containing, or equipment listed in Paragraph f.(2) or treating, detoxifying or neutralizing, or in f.(3) of the definition of "mobile any way responding to, or assessing the equipment". effects of, "pollutants". h. Mobile Equipment However, this paragraph does not apply to "Bodily injury" or"property damage" arising out liability for damages because of "property of: damage"that the insured would have in the absence of such request, demand, order or (1) The transportation of"mobile equipment" by statutory or regulatory requirement, or such an"auto"owned or operated by or rented or claim or "suit" by or on behalf of a loaned to any insured; or governmental authority. (2) The use of "mobile equipment" in, or while g. Aircraft,Auto Or Watercraft in practice for, or while being prepared for, "Bodily injury" or"property damage" arising out any prearranged racing, speed, demolition, or stunting activity. of the ownership, maintenance, use or entrustment to others of any aircraft, "auto" or i. War watercraft owned or operated by or rented or "Bodily injury" or "property damage", however loaned to any insured. Use includes operation caused, arising, directly or indirectly, out of: and"loading or unloading". (1) War, including undeclared or civil war; This exclusion applies even if the claims (2) Warlike action by a military force, including against any insured allege negligence or other action in hindering or defending against an wrongdoing in the supervision, hiring, actual or expected attack, by any employment, training or monitoring of others by government, sovereign or other authority that insured, if the "occurrence" which caused using military personnel or other agents; or the "bodily injury" or "property damage" involved the ownership, maintenance, use or (3) Insurrection, rebellion, revolution, usurped entrustment to others of any aircraft, "auto" or power, or action taken by governmental watercraft that is owned or operated by or authority in hindering or defending against rented or loaned to any insured. any of these. This exclusion does not apply to: j. Damage To Property (1) A watercraft while ashore on premises you "Property damage"to: own or rent; (1) Property you own, rent, or occupy, including (2) A watercraft you do not own that is: any costs or expenses incurred by you, or (a) Less than 26 feet long; and any other person, organization or entity, for repair, replacement, enhancement, (b) Not being used to carry persons or restoration or maintenance of such property property for a charge; for any reason, including prevention of (3) Parking an "auto" on, or on the ways next injury to a person or damage to another's to, premises you own or rent, provided the property; "auto" is not owned by or rented or loaned (2) Premises you sell, give away or abandon, if to you or the insured; the "property damage" arises out of any (4) Liability assumed under any "insured part of those premises; contract"for the ownership, maintenance or (3) Property loaned to you; use of aircraft or watercraft; or Page 4 of 16 ©Insurance Services Office, Inc., 2012 CG 00 01 0413 (4) Personal property in the care, custody or This exclusion does not apply to the loss of use control of the insured; of other property arising out of sudden and (5) That particular part of real property on accidental physical injury to "your product" or which you or any contractors or "your work" after it has been put to its intended subcontractors working directly or indirectly use. on your behalf are performing operations, if n. Recall Of Products,Work Or Impaired the "property damage" arises out of those Property operations; or Damages claimed for any loss, cost or (6) That particular part of any property that expense incurred by you or others for the loss must be restored, repaired or replaced of use, withdrawal, recall, inspection, repair, because "your work" was incorrectly replacement, adjustment, removal or disposal performed on it. of: Paragraphs (1), (3)and (4) of this exclusion do (1) "Your product"; not apply to "property damage" (other than (2) "Your work"; or damage by fire) to premises, including the contents of such premises, rented to you for a (3) "Impaired property"; period of seven or fewer consecutive days. A if such product, work, or property is withdrawn separate limit of insurance applies to Damage or recalled from the market or from use by any To Premises Rented To You as described in person or organization because of a known or Section III—Limits Of Insurance. suspected defect, deficiency, inadequacy or Paragraph (2) of this exclusion does not apply dangerous condition in it. if the premises are"your work" and were never o. Personal And Advertising Injury occupied, rented or held for rental by you. "Bodily injury" arising out of "personal and Paragraphs (3), (4), (5) and (6) of this advertising injury". exclusion do not apply to liability assumed p. Electronic Data under a sidetrack agreement. Paragraph (6) of this exclusion does not apply Damages arising out of the loss of, loss of use damageof, to"property damage" included in the"products- or inabilityto manipulate electronic inability ect oni to access, cata completed operations hazard". k. Damage To Your Product However, this exclusion does not apply to liability for damages because of"bodily injury". "Property damage"to"your product"arising out As used in this exclusion, electronic data of it or any part of it. means information,facts or programs stored as I. Damage To Your Work or on, created or used on, or transmitted to or "Property damage"to"your work" arising out of from computer software, including systems and it or any part of it and included in the"products- applications software, hard or floppy disks, CD- completed operations hazard". ROMs, tapes, drives, cells, data processing This exclusion does not apply if the damaged devices or any other media which are used work or the work out of which the damage with electronically controlled equipment. arises was performed on your behalf by a q. Recording And Distribution Of Material Or subcontractor. Information In Violation Of Law m. Damage To Impaired Property Or Property "Bodily injury" or "property damage" arising Not Physically Injured directly or indirectly out of any action or "Property damage" to "impaired property" or omission that violates or is alleged to violate: property that has not been physically injured, (1) The Telephone Consumer Protection Act arising out of: (TCPA), including any amendment of or (1) A defect, deficiency, inadequacy or addition to such law; dangerous condition in "your product" or (2) The CAN-SPAM Act of 2003, including any "your work"; or amendment of or addition to such law; (2) A delay or failure by you or anyone acting (3) The Fair Credit Reporting Act (FCRA), and on your behalf to perform a contract or any amendment of or addition to such law, agreement in accordance with its terms. including the Fair and Accurate Credit Transactions Act(FACTA); or CG 00 01 0413 ©Insurance Services Office, Inc., 2012 Page 5 of 16 (4) Any federal, state or local statute, 2. Exclusions ordinance or regulation, other than the This insurance does not apply to: TCPA, CAN-SPAM Act of 2003 or FCRA and their amendments and additions, that a. Knowing Violation Of Rights Of Another addresses, prohibits, or limits the printing, "Personal and advertising injury" caused by or dissemination, disposal, collecting, at the direction of the insured with the recording, sending, transmitting, knowledge that the act would violate the rights communicating or distribution of material or of another and would inflict "personal and information. advertising injury". Exclusions c. through n. do not apply to damage b. Material Published With Knowledge Of by fire to premises while rented to you or Falsity temporarily occupied by you with permission of the "Personal and advertising injury" arising out of owner. A separate limit of insurance applies to this oral or written publication, in any manner, of coverage as described in Section III — Limits Of material, if done by or at the direction of the Insurance. insured with knowledge of its falsity. COVERAGE B—PERSONAL AND ADVERTISING c. Material Published Prior To Policy Period INJURY LIABILITY 1. Insuring Agreement "Personal and advertising injury" arising out of oral or written publication, in any manner, of a. We will pay those sums that the insured material whose first publication took place becomes legally obligated to pay as damages before the beginning of the policy period. because of"personal and advertising injury" to d. Criminal Acts which this insurance applies. We will have the right and duty to defend the insured against "Personal and advertising injury" arising out of any "suit" seeking those damages. However, a criminal act committed by or at the direction we will have no duty to defend the insured of the insured. against any "suit" seeking damages for e. Contractual Liability "personal and advertising injury" to which this "Personal and advertising injury" for which the insurance does not apply. We may, at our insured has assumed liability in a contract or discretion, investigate any offense and settle any claim or"suit"that may result. But: agreement. This exclusion does not apply to liability for damages that the insured would (1) The amount we will pay for damages is have in the absence of the contract or limited as described in Section III — Limits agreement. Of Insurance; and f. Breach Of Contract (2) Our right and duty to defend end when we "Personal and advertising injury" arising out of have used up the applicable limit of a breach of contract, except an implied insurance in the payment of judgments or contract to use another's advertising idea in settlements under Coverages A or B or your"advertisement". medical expenses under Coverage C. No other obligation or liability to pay sums or g. Quality Or Performance Of Goods—Failure perform acts or services is covered unless To Conform To Statements explicitly provided for under Supplementary "Personal and advertising injury" arising out of Payments—Coverages A and B. the failure of goods, products or services to conform with any statement of quality or b. This insurance applies to "personal and performance made in your"advertisement". advertising injury"caused by an offense arising out of your business but only if the offense was h. Wrong Description Of Prices committed in the"coverage territory"during the "Personal and advertising injury" arising out of policy period. the wrong description of the price of goods, products or services stated in your "advertisement". Page 6 of 16 ©Insurance Services Office, Inc., 2012 CG 00 01 0413 i. Infringement Of Copyright, Patent, n. Pollution-related Trademark Or Trade Secret Any loss, cost or expense arising out of any: "Personal and advertising injury" arising out of (1) Request, demand, order or statutory or the infringement of copyright, patent, regulatory requirement that any insured or trademark, trade secret or other intellectual others test for, monitor, clean up, remove, property rights. Under this exclusion, such contain, treat, detoxify or neutralize, or in other intellectual property rights do not include any way respond to, or assess the effects the use of another's advertising idea in your of, "pollutants"; or "advertisement". However, this exclusion does not apply to (2) Claim or suit by or on behalf of a infringement, in your "advertisement", of governmental authority for damages copyright, dress or slogan. because of testing for, monitoring, cleaning up, removing, containing, treating, j. Insureds In Media And Internet Type detoxifying or neutralizing, or in any way Businesses responding to, or assessing the effects of, "Personal and advertising injury" committed by "pollutants". an insured whose business is: o. War (1) Advertising, broadcasting, publishing or "Personal and advertising injury", however telecasting; caused, arising, directly or indirectly, out of: (2) Designing or determining content of web (1) War, including undeclared or civil war; sites for others; or (2) Warlike action by a military force, including (3) An Internet search, access, content or action in hindering or defending against an service provider. actual or expected attack, by any However, this exclusion does not apply to government, sovereign or other authority Paragraphs 14.a., b. and c. of "personal and using military personnel or other agents; or advertising injury" under the Definitions (3) Insurrection, rebellion, revolution, usurped section. power, or action taken by governmental For the purposes of this exclusion, the placing authority in hindering or defending against of frames, borders or links, or advertising, for any of these. you or others anywhere on the Internet, is not p. Recording And Distribution Of Material Or by itself, considered the business of Information In Violation Of Law advertising, broadcasting, publishing or "Personal and advertising injury" arising telecasting. directly or indirectly out of any action or k. Electronic Chatrooms Or Bulletin Boards omission that violates or is alleged to violate: "Personal and advertising injury" arising out of (1) The Telephone Consumer Protection Act an electronic chatroom or bulletin board the (TCPA), including any amendment of or insured hosts, owns, or over which the insured addition to such law; exercises control. (2) The CAN-SPAM Act of 2003, including any I. Unauthorized Use Of Another's Name Or amendment of or addition to such law; Product (3) The Fair Credit Reporting Act (FCRA), and "Personal and advertising injury" arising out of any amendment of or addition to such law, the unauthorized use of another's name or including the Fair and Accurate Credit product in your e-mail address, domain name Transactions Act(FACTA); or or metatag, or any other similar tactics to (4) Any federal, state or local statute, mislead another's potential customers. ordinance or regulation, other than the m. Pollution TCPA, CAN-SPAM Act of 2003 or FCRA "Personal and advertising injury" arising out of and their amendments and additions, that the actual, alleged or threatened discharge, addresses, prohibits, or limits the printing, dispersal, seepage, migration, release or dissemination, disposal, collecting, escape of"pollutants"at any time. recording, sending, transmitting, communicating or distribution of material or information. CG 00 01 0413 ©Insurance Services Office, Inc., 2012 Page 7 of 16 COVERAGE C—MEDICAL PAYMENTS d. Workers'Compensation And Similar Laws 1. Insuring Agreement To a person, whether or not an "employee" of a. We will pay medical expenses as described any insured, if benefits for the "bodily injury" below for"bodily injury"caused by an accident: are payable or must be provided under a workers' compensation or disability benefits (1) On premises you own or rent; law or a similar law. (2) On ways next to premises you own or rent; e. Athletics Activities or To a person injured while practicing, instructing (3) Because of your operations; or participating in any physical exercises or provided that: games, sports, or athletic contests. (a) The accident takes place in the f. Products-Completed Operations Hazard "coverage territory"and during the policy Included within the "products-completed period; operations hazard". (b) The expenses are incurred and reported g. Coverage A Exclusions to us within one year of the date of the accident; and Excluded under Coverage A. (c) The injured person submits to SUPPLEMENTARY PAYMENTS—COVERAGES A examination, at our expense, by AND B physicians of our choice as often as we 1. We will pay, with respect to any claim we reasonably require. investigate or settle, or any "suit" against an b. We will make these payments regardless of insured we defend: fault. These payments will not exceed the a. All expenses we incur. applicable limit of insurance. We will pay b. Up to $250 for cost of bail bonds required reasonable expenses for: because of accidents or traffic law violations (1) First aid administered at the time of an arising out of the use of any vehicle to which accident; the Bodily Injury Liability Coverage applies. We (2) Necessary medical, surgical, X-ray and do not have to furnish these bonds. dental services, including prosthetic c. The cost of bonds to release attachments, but devices; and only for bond amounts within the applicable (3) Necessary ambulance, hospital, limit of insurance. We do not have to furnish professional nursing and funeral services. these bonds. 2. Exclusions d. All reasonable expenses incurred by the insured at our request to assist us in the We will not pay expenses for"bodily injury": investigation or defense of the claim or "suit", a. Any Insured including actual loss of earnings up to $250 a To any insured, except"volunteer workers". day because of time off from work. e. All court costs taxed against the insured in the b. Hired Person "suit". However, these payments do not include To a person hired to do work for or on behalf of attorneys' fees or attorneys' expenses taxed any insured or a tenant of any insured. against the insured. c. Injury On Normally Occupied Premises f. Prejudgment interest awarded against the To a person injured on that part of premises insured on that part of the judgment we pay. If you own or rent that the person normally we make an offer to pay the applicable limit of occupies. insurance, we will not pay any prejudgment interest based on that period of time after the offer. Page 8 of 16 ©Insurance Services Office, Inc., 2012 CG 00 01 0413 g. All interest on the full amount of any judgment So long as the above conditions are met, that accrues after entry of the judgment and attorneys' fees incurred by us in the defense of before we have paid, offered to pay, or that indemnitee, necessary litigation expenses deposited in court the part of the judgment that incurred by us and necessary litigation expenses is within the applicable limit of insurance. incurred by the indemnitee at our request will be These payments will not reduce the limits of paid as Supplementary Payments. insurance. Notwithstanding the provisions of Paragraph 2.b.(2) of Section I — Coverage A — Bodily Injury 2. If we defend an insured against a "suit" and an And Property Damage Liability, such payments will indemnitee of the insured is also named as a party not be deemed to be damages for "bodily injury" to the"suit", we will defend that indemnitee if all of and "property damage" and will not reduce the the following conditions are met: limits of insurance. a. The "suit" against the indemnitee seeks Our obligation to defend an insured's indemnitee damages for which the insured has assumed and to pay for attorneys' fees and necessary the liability of the indemnitee in a contract or litigation expenses as SupplementaryPaym ents agreement that is an"insured contract"; ends when we have used up the applicable limit of b. This insurance applies to such liability insurance in the payment of judgments or assumed by the insured; settlements or the conditions set forth above, or c. The obligation to defend, or the cost of the the terms of the agreement described in defense of, that indemnitee, has also been Paragraph f.above, are no longer met. assumed by the insured in the same "insured SECTION II—WHO IS AN INSURED contract"; 1. If you are designated in the Declarations as: d. The allegations in the"suit"and the information a. An individual, you and your spouse are we know about the "occurrence" are such that insureds, but only with respect to the conduct no conflict appears to exist between the of a business of which you are the sole owner. interests of the insured and the interests of the indemnitee; b. A partnership or joint venture, you are an insured. Your members, your partners, and e. The indemnitee and the insured ask us to their spouses are also insureds, but only with conduct and control the defense of that respect to the conduct of your business. indemnitee against such "suit" and agree that we can assign the same counsel to defend the c. A limited liability company, you are an insured. insured and the indemnitee; and Your members are also insureds, but only with respect to the conduct of your business. Your f. The indemnitee: managers are insureds, but only with respect (1) Agrees in writing to: to their duties as your managers. (a) Cooperate with us in the investigation, d. An organization other than a partnership, joint settlement or defense of the"suit"; venture or limited liability company, you are an (b) Immediately send us copies of any insured. Your"executive officers" and directors demands, notices, summonses or legal are insureds, but only with respect to their papers received in connection with the duties as your officers or directors. Your "suit'; stockholders are also insureds, but only with respect to their liability as stockholders. (c) Notify any other insurer whose coverage e. A trust, you are an insured. Your trustees are is available to the indemnitee; and also insureds, but only with respect to their (d) Cooperate with us with respect to duties as trustees. coordinating other applicable insurance available to the indemnitee; and (2) Provides us with written authorization to: (a) Obtain records and other information related to the"suit"; and (b) Conduct and control the defense of the indemnitee in such"suit". CG 00 01 0413 ©Insurance Services Office, Inc., 2012 Page 9 of 16 2. Each of the following is also an insured: c. Any person or organization having proper a. Your"volunteer workers" only while performing temporary custody of your property if you die, duties related to the conduct of your business, but only: or your "employees", other than either your (1) With respect to liability arising out of the "executive officers" (if you are an organization maintenance or use of that property; and other than a partnership,joint venture or limited (2) Until your legal representative has been liability company) or your managers (if you are appointed. a limited liability company), but only for acts within the scope of their employment by you or d. Your legal representative if you die, but only while performing duties related to the conduct with respect to duties as such. That of your business. However, none of these representative will have all your rights and "employees" or "volunteer workers" are duties under this Coverage Part. insureds for: 3. Any organization you newly acquire or form, other (1) "Bodily injury" or "personal and advertising than a partnership, joint venture or limited liability injury": company, and over which you maintain ownership (a) To you, to your partners or members (if or majority interest, will qualify as a Named you are a partnership or joint venture), Insured if there is no other similar insurance to your members (if you are a limited available to that organization. However: liability company), to a co-"employee" a. Coverage under this provision is afforded only while in the course of his or her until the 90th day after you acquire or form the employment or performing duties related organization or the end of the policy period, to the conduct of your business, or to whichever is earlier; your other "volunteer workers" while b. Coverage A does not apply to"bodily injury" or performing duties related to the conduct "property damage" that occurred before you of your business; acquired or formed the organization; and (b) To the spouse, child, parent, brother or c. Coverage B does not apply to "personal and sister of that co-"employee" or advertising injury" arising out of an offense "volunteer worker" as a consequence of committed before you acquired or formed the Paragraph (1)(a)above; organization. (c) For which there is any obligation to No person or organization is an insured with respect share damages with or repay someone to the conduct of any current or past partnership,joint else who must pay damages because of venture or limited liability company that is not shown the injury described in Paragraph (1)(a) as a Named Insured in the Declarations. or(b)above; or SECTION III—LIMITS OF INSURANCE (d) Arising out of his or her providing or 1. The Limits of Insurance shown in the Declarations failing to provide professional health and the rules below fix the most we will pay care services. regardless of the number of: (2) "Property damage"to property: a. Insureds; (a) Owned, occupied or used by; b. Claims made or"suits"brought; or (b) Rented to, in the care, custody or c. Persons or organizations making claims or control of, or over which physical control is being exercised for any purpose by; bringing"suits". you, any of your "employees", "volunteer 2. The General Aggregate Limit is the most we will workers", any partner or member(if you are pay for the sum of: a partnership or joint venture), or any a. Medical expenses under Coverage C; member (if you are a limited liability b. Damages under Coverage A, except damages company). because of"bodily injury"or"property damage" b. Any person (other than your "employee" or included in the "products-completed operations "volunteer worker"), or any organization while hazard"; and acting as your real estate manager. c. Damages under Coverage B. Page 10 of 16 ©Insurance Services Office, Inc., 2012 CG 00 01 0413 3. The Products-Completed Operations Aggregate (3) The nature and location of any injury or Limit is the most we will pay under Coverage A for damage arising out of the "occurrence" or damages because of "bodily injury" and "property offense. damage" included in the "products-completed b. If a claim is made or "suit" is brought against operations hazard". any insured, you must: 4. Subject to Paragraph 2. above, the Personal And (1) Immediately record the specifics of the Advertising Injury Limit is the most we will pay claim or"suit"and the date received; and under Coverage B for the sum of all damages because of all "personal and advertising injury" (2) Notify us as soon as practicable. sustained by any one person or organization. You must see to it that we receive written 5. Subject to Paragraph 2. or 3. above, whichever notice of the claim or "suit" as soon as applies, the Each Occurrence Limit is the most we practicable. will pay for the sum of: c. You and any other involved insured must: a. Damages under Coverage A;and (1) Immediately send us copies of any b. Medical expenses under Coverage C demands, notices, summonses or legal because of all "bodily injury" and "property papers received in connection with the claim or"suit"; damage"arising out of any one"occurrence". 6. Subject to Paragraph 5. above, the Damage To (2) Authorize us to obtain records and other Premises Rented To You Limit is the most we will information; pay under Coverage A for damages because of (3) Cooperate with us in the investigation or "property damage" to any one premises, while settlement of the claim or defense against rented to you, or in the case of damage by fire, the"suit"; and while rented to you or temporarily occupied by you (4) Assist us, upon our request, in the with permission of the owner. enforcement of any right against any 7. Subject to Paragraph 5. above, the Medical person or organization which may be liable Expense Limit is the most we will pay under to the insured because of injury or damage Coverage C for all medical expenses because of to which this insurance may also apply. "bodily injury"sustained by any one person. d. No insured will, except at that insured's own The Limits of Insurance of this Coverage Part apply cost, voluntarily make a payment, assume any separately to each consecutive annual period and to obligation, or incur any expense, other than for any remaining period of less than 12 months, starting first aid, without our consent. with the beginning of the policy period shown in the 3. Legal Action Against Us Declarations, unless the policy period is extended No person or organization has a right under this after issuance for an additional period of less than 12 Coverage Part: months. In that case, the additional period will be deemed part of the last preceding period for purposes a. To join us as a party or otherwise bring us into of determining the Limits of Insurance. a"suit"asking for damages from an insured; or SECTION IV—COMMERCIAL GENERAL LIABILITY b. To sue us on this Coverage Part unless all of CONDITIONS its terms have been fully complied with. 1. Bankruptcy A person or organization may sue us to recover on Bankruptcy or insolvency of the insured or of the an agreed settlement or on a final judgment insured's estate will not relieve us of our against an insured; but we will not be liable for obligations under this Coverage Part. damages that are not payable under the terms of this Coverage Part or that are in excess of the 2. Duties In The Event Of Occurrence,Offense, applicable limit of insurance. An agreed settlement Claim Or Suit means a settlement and release of liability signed a. You must see to it that we are notified as soon by us, the insured and the claimant or the as practicable of an "occurrence" or an offense claimant's legal representative. which may result in a claim. To the extent possible, notice should include: (1) How, when and where the "occurrence" or offense took place; (2) The names and addresses of any injured persons and witnesses; and CG 00 01 0413 ©Insurance Services Office, Inc., 2012 Page 11 of 16 4. Other Insurance (3) When this insurance is excess over other If other valid and collectible insurance is available insurance, we will pay only our share of the to the insured for a loss we cover under amount of the loss, if any, that exceeds the Coverages A or B of this Coverage Part, our sum of: obligations are limited as follows: (a) The total amount that all such other a. Primary Insurance insurance would pay for the loss in the This insurance is primary except when absence of this insurance; and Paragraph b. below applies. If this insurance is (b) The total of all deductible and self- primary, our obligations are not affected unless insured amounts under all that other any of the other insurance is also primary. insurance. Then, we will share with all that other (4) We will share the remaining loss, if any, insurance by the method described in with any other insurance that is not Paragraph c. below. described in this Excess Insurance b. Excess Insurance provision and was not bought specifically to apply in excess of the Limits of Insurance (1) This insurance is excess over: shown in the Declarations of this Coverage (a) Any of the other insurance, whether Part. primary, excess, contingent or on any c. Method Of Sharing other basis: If all of the other insurance permits contribution (i) That is Fire, Extended Coverage, by equal shares, we will follow this method Builder's Risk, Installation Risk or also. Under this approach each insurer similar coverage for"your work"; contributes equal amounts until it has paid its (ii) That is Fire insurance for premises applicable limit of insurance or none of the loss rented to you or temporarily remains,whichever comes first. occupied by you with permission of If any of the other insurance does not permit the owner; contribution by equal shares, we will contribute (iii) That is insurance purchased by you by limits. Under this method, each insurer's to cover your liability as a tenant for share is based on the ratio of its applicable "property damage" to premises limit of insurance to the total applicable limits of rented to you or temporarily insurance of all insurers. occupied by you with permission of 5. Premium Audit the owner; or a. We will compute all premiums for this (iv) If the loss arises out of the Coverage Part in accordance with our rules maintenance or use of aircraft, and rates. "autos"or watercraft to the extent not subject to Exclusion g. of Section I — b. Premium shown in this Coverage Part as Coverage A — Bodily Injury And advance premium is a deposit premium only. Property Damage Liability. At the close of each audit period we will compute the earned premium for that period (b) Any other primary insurance available to and send notice to the first Named Insured. you covering liability for damages The due date for audit and retrospective arising out of the premises or premiums is the date shown as the due date operations, or the products and on the bill. If the sum of the advance and audit completed operations, for which you premiums paid for the policy period is greater have been added as an additional than the earned premium, we will return the insured. excess to the first Named Insured. (2) When this insurance is excess,we will have c. The first Named Insured must keep records of no duty under Coverages A or B to defend the information we need for premium the insured against any "suit" if any other computation, and send us copies at such times insurer has a duty to defend the insured as we may request. against that "suit". If no other insurer 6. Representations defends, we will undertake to do so, but we will be entitled to the insured's rights By accepting this policy, you agree: against all those other insurers. a. The statements in the Declarations are accurate and complete; Page 12 of 16 ©Insurance Services Office, Inc.,2012 CG 00 01 0413 b. Those statements are based upon However, "auto" does not include "mobile representations you made to us; and equipment". c. We have issued this policy in reliance upon 3. "Bodily injury" means bodily injury, sickness or your representations. disease sustained by a person, including death 7. Separation Of Insureds resulting from any of these at any time. Except with respect to the Limits of Insurance, and 4. "Coverage territory"means: any rights or duties specifically assigned in this a. The United States of America (including its Coverage Part to the first Named Insured, this territories and possessions), Puerto Rico and insurance applies: Canada; a. As if each Named Insured were the only b. International waters or airspace, but only if the Named Insured; and injury or damage occurs in the course of travel b. Separately to each insured against whom claim or transportation between any places included is made or"suit" is brought. in Paragraph a.above; or 8. Transfer Of Rights Of Recovery Against Others c. All other parts of the world if the injury or To Us damage arises out of: If the insured has rights to recover all or part of (1) Goods or products made or sold by you in any payment we have made under this Coverage the territory described in Paragraph a. Part, those rights are transferred to us. The above; insured must do nothing after loss to impair them. (2) The activities of a person whose home is in At our request, the insured will bring "suit" or the territory described in Paragraph a. transfer those rights to us and help us enforce above, but is away for a short time on your them. business; or 9. When We Do Not Renew (3) "Personal and advertising injury" offenses If we decide not to renew this Coverage Part, we that take place through the Internet or will mail or deliver to the first Named Insured similar electronic means of communication; shown in the Declarations written notice of the provided the insured's responsibility to pay nonrenewal not less than 30 days before the damages is determined in a"suit"on the merits, in expiration date. the territory described in Paragraph a. above or in If notice is mailed, proof of mailing will be sufficient a settlement we agree to. proof of notice. 5. "Employee" includes a "leased worker". SECTION V—DEFINITIONS "Employee" does not include a "temporary worker". 1. "Advertisement" means a notice that is broadcast 6. "Executive officer" means aperson holdinganyof or published to the general public or specific the market segments about your goods, products or officer positions created by your charter, services for the purpose of attracting customers or constitution, bylaws or any other similar governing supporters. For the purposes of this definition: document. a. Notices that are published include material 7. "Hostile fire" means one which becomes placed on the Internet or on similar electronic uncontrollable or breaks out from where it was means of communication; and intended to be. b. Regarding web sites, only that part of a web 8. "Impaired property" means tangible property, other site that is about your goods, products or than "your product" or"your work", that cannot be services for the purposes of attracting used or is less useful because: customers or supporters is considered an a. It incorporates "your product" or "your work" advertisement. that is known or thought to be defective, 2. "Auto"means: deficient, inadequate or dangerous; or a. A land motor vehicle, trailer or semitrailer b. You have failed to fulfill the terms of a contract designed for travel on public roads, including or agreement; any attached machinery or equipment; or if such property can be restored to use by the b. Any other land vehicle that is subject to a repair, replacement, adjustment or removal of compulsory or financial responsibility law or "your product" or "your work" or your fulfilling the other motor vehicle insurance law where it is terms of the contract or agreement. licensed or principally garaged. CG 00 01 0413 ©Insurance Services Office, Inc., 2012 Page 13 of 16 9. "Insured contract"means: 10."Leased worker" means a person leased to you by a. A contract for a lease of premises. However, a labor leasing firm under an agreement between that portion of the contract for a lease of you and the labor leasing firm, to perform duties premises that indemnifies any person or related to the conduct of your business. "Leased organization for damage by fire to premises worker"does not include a"temporary worker". while rented to you or temporarily occupied by 11."Loading or unloading" means the handling of you with permission of the owner is not an property: "insured contract"; a. After it is moved from the place where it is b. A sidetrack agreement; accepted for movement into or onto an aircraft, c. Any easement or license agreement, except in watercraft or"auto' connection with construction or demolition b. While it is in or on an aircraft, watercraft or operations on or within 50 feet of a railroad; "auto"; or d. An obligation, as required by ordinance, to c. While it is being moved from an aircraft, indemnify a municipality, except in connection watercraft or "auto" to the place where it is with work for a municipality; finally delivered; e. An elevator maintenance agreement; but "loading or unloading" does not include the f. That part of any other contract or agreement movement of property by means of a mechanical pertaining to your business (including an device, other than a hand truck, that is not indemnification of a municipality in connection attached to the aircraft,watercraft or"auto". with work performed for a municipality) under 12."Mobile equipment" means any of the following which you assume the tort liability of another types of land vehicles, including any attached party to pay for "bodily injury" or "property machinery or equipment: damage"to a third person or organization. Tort a. Bulldozers, farm machinery, forklifts and other liability means a liability that would be imposed vehicles designed for use principally off public by law in the absence of any contract or roads; agreement. Paragraph f. does not include that part of any b. Vehicles maintained for use solely on or next to premises you own or rent; contract or agreement: (1) That indemnifies a railroad for"bodily injury" c. Vehicles that travel on crawler treads; or "property damage" arising out of d. Vehicles, whether self-propelled or not, construction or demolition operations, within maintained primarily to provide mobility to 50 feet of any railroad property and permanently mounted: affecting any railroad bridge or trestle, (1) Power cranes, shovels, loaders, diggers or tracks, road-beds, tunnel, underpass or drills; or crossing; (2) Road construction or resurfacing equipment (2) That indemnifies an architect, engineer or such as graders, scrapers or rollers; surveyor for injury or damage arising out of: e. Vehicles not described in Paragraph a., b., c. (a) Preparing, approving, or failing to or d. above that are not self-propelled and are prepare or approve, maps, shop maintained primarily to provide mobility to drawings, opinions, reports, surveys, permanently attached equipment of the field orders, change orders or drawings following types: and specifications; or (1) Air compressors, pumps and generators, (b) Giving directions or instructions, or including spraying, welding, building failing to give them, if that is the primary cleaning, geophysical exploration, lighting cause of the injury or damage; or and well servicing equipment; or (3) Under which the insured, if an architect, (2) Cherry pickers and similar devices used to engineer or surveyor, assumes liability for raise or lower workers; an injury or damage arising out of the f. Vehicles not described in Paragraph a., b., c. insured's rendering or failure to render or d. above maintained primarily for purposes professional services, including those listed other than the transportation of persons or in (2) above and supervisory, inspection, cargo. architectural or engineering activities. Page 14 of 16 ©Insurance Services Office, Inc.,2012 CG 00 01 0413 However, self-propelled vehicles with the 16."Products-completed operations hazard": following types of permanently attached a. Includes all "bodily injury" and "property equipment are not "mobile equipment" but will damage" occurring away from premises you be considered"autos": own or rent and arising out of"your product" or (1) Equipment designed primarily for: "your work"except: (a) Snow removal; (1) Products that are still in your physical (b) Road maintenance, but not construction possession; or or resurfacing;or (2) Work that has not yet been completed or (c) Street cleaning; abandoned. However, "your work" will be (2) Cherry pickers and similar devices mounted deemed completed at the earliest of the following times: on automobile or truck chassis and used to (a) When all of the work called for in your raise or lower workers; and contract has been completed. (3) Air compressors, pumps and generators, When all of the work to be done at the including spraying, welding, building (b) cleaning, geophysical exploration, lighting job site has been completed if your and well servicing equipment. contract calls for work at more than one However, "mobile equipment" does not include job site. any land vehicles that are subject to a compulsory (c) When that part of the work done at a job or financial responsibility law or other motor site has been put to its intended use by vehicle insurance law where it is licensed or any person or organization other than principally garaged. Land vehicles subject to a another contractor or subcontractor compulsory or financial responsibility law or other working on the same project. motor vehicle insurance law are considered Work that may need service, maintenance, "autos". correction, repair or replacement, but which 13."Occurrence" means an accident, including is otherwise complete, will be treated as continuous or repeated exposure to substantially completed. the same general harmful conditions. b. Does not include "bodily injury" or "property 14."Personal and advertising injury" means injury, damage"arising out of: including consequential "bodily injury", arising out (1) The transportation of property, unless the of one or more of the following offenses: injury or damage arises out of a condition in a. False arrest, detention or imprisonment; or on a vehicle not owned or operated by you, and that condition was created by the b. Malicious prosecution; "loading or unloading"of that vehicle by any c. The wrongful eviction from, wrongful entry into, insured; or invasion of the right of private occupancy of (2) The existence of tools, uninstalled a room, dwelling or premises that a person equipment or abandoned or unused occupies, committed by or on behalf of its materials; or owner, landlord or lessor; (3) Products or operations for which the d. Oral or written publication, in any manner, of classification, listed in the Declarations or in material that slanders or libels a person or products- organization or disparages a person's or a policy Schedule, states that completed operations are subject to the organization's goods, products or services; General Aggregate Limit. e. Oral or written publication, in any manner, of 17."Property damage"means: material that violates a person's right of privacy; a. Physical injury to tangible property, including all resulting loss of use of that property. All f. The use of another's advertising idea in your such loss of use shall be deemed to occur at "advertisement"; or the time of the physical injury that caused it; or g. Infringing upon another's copyright, trade dress b. Loss of use of tangible property that is not or slogan in your"advertisement". physically injured. All such loss of use shall be 15."Pollutants" mean any solid, liquid, gaseous or deemed to occur at the time of the thermal irritant or contaminant, including smoke, "occurrence"that caused it. vapor, soot, fumes, acids, alkalis, chemicals and For the purposes of this insurance, electronic data waste. Waste includes materials to be recycled, is not tangible property. reconditioned or reclaimed. CG 00 01 0413 ©Insurance Services Office, Inc., 2012 Page 15 of 16 As used in this definition, electronic data means b. Includes: information, facts or programs stored as or on, (1) Warranties or representations made at any created or used on, or transmitted to or from time with respect to the fitness, quality, computer software, including systems and durability, performance or use of "your applications software, hard or floppy disks, CD- product"; and ROMs, tapes, drives, cells, data processing devices or any other media which are used with (2) The providing of or failure to provide electronically controlled equipment. warnings or instructions. 18."Suit" means a civil proceeding in which damages c. Does not include vending machines or other because of "bodily injury", "property damage" or property rented to or located for the use of "personal and advertising injury" to which this others but not sold. insurance applies are alleged. "Suit" includes: 22."Your work": a. An arbitration proceeding in which such a. Means: damages are claimed and to which the insured (1) Work or operations performed by you or on must submit or does submit with our consent; your behalf; and or b. Any other alternative dispute resolution (2) Materials, parts or equipment furnished in proceeding in which such damages are connection with such work or operations. claimed and to which the insured submits with b. Includes: our consent. (1) Warranties or representations made at any 19."Temporary worker" means a person who is time with respect to the fitness, quality, furnished to you to substitute for a permanent durability, performance or use of "your "employee"on leave or to meet seasonal or short- work"; and term workload conditions. (2) The providing of or failure to provide 20.'Volunteer worker" means a person who is not warnings or instructions. your"employee", and who donates his or her work and acts at the direction of and within the scope of duties determined by you, and is not paid a fee, salary or other compensation by you or anyone else for their work performed for you. 21."Your product": a. Means: (1) Any goods or products, other than real property, manufactured, sold, handled, distributed or disposed of by: (a) You; (b) Others trading under your name; or (c) A person or organization whose business or assets you have acquired; and (2) Containers (other than vehicles), materials, parts or equipment furnished in connection with such goods or products. Page 16 of 16 ©Insurance Services Office, Inc.,2012 CG 00 01 0413 COMMERCIAL GENERAL LIABILITY CG 02 20 0312 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FLORIDA CHANGES - CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART ELECTRONIC DATA LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART A. Paragraph 2. of the Cancellation Common Policy (2) The policy was obtained by a material Condition is replaced by the following: misstatement; 2. Cancellation Of Policies In Effect (3) Failure to comply with underwriting a. For 90 Days Or Less requirements established by the insurer within 90 days of the effective date of If this policy has been in effect for 90 days coverage; or less, we may cancel this policy by mailing or delivering to the first Named (4) A substantial change in the risk covered Insured written notice of cancellation, by the policy; or accompanied by the reasons for (5) The cancellation is for all insureds under cancellation, at least: such policies for a given class of (1) 10 days before the effective date of insureds. cancellation if we cancel for If we cancel this policy for any of these nonpayment of premium; or reasons, we will mail or deliver to the first (2) 20 days before the effective date of Named Insured written notice of cancellation if we cancel for any other cancellation, accompanied by the reasons reason, except we may cancel for cancellation, at least: immediately if there has been: (a) 10 days before the effective date of (a) A material misstatement or cancellation if we cancel for misrepresentation; or nonpayment of premium; or (b) A failure to comply with the (b) 45 days before the effective date of underwriting requirements cancellation if we cancel for any of established by the insurer. the other reasons stated in Paragraph 2.b. b. For More Than 90 Days B. Paragraph 3. of the Cancellation Common Policy If this policy has been in effect for more Condition is replaced by the following: than 90 days, we may cancel this policy 3. We will mail or deliver our notice to the first only for one or more of the following Named Insured at the last mailing address reasons: known to us. (1) Nonpayment of premium; CG 02 20 03 12 ©Insurance Services Office, Inc., 2011 Page 1 of 2 C. Paragraph 5. of the Cancellation Common Policy The cancellation will be effective even if we Condition is replaced by the following: have not made or offered a refund. 5. If this policy is cancelled, we will send the first D. The following is added and supersedes any other Named Insured any premium refund due. If we provision to the contrary: cancel, the refund will be pro rata. If the first Nonrenewal Named Insured cancels, the refund may be less than pro rata. If the return premium is not 1. If we decide not to renew this policy, we will refunded with the notice of cancellation or mail or deliver to the first Named Insured when this policy is returned to us, we will mail written notice of nonrenewal, accompanied by the refund within 15 working days after the the reason for nonrenewal, at least 45 days date cancellation takes effect, unless this is an prior to the expiration of this policy. audit policy. 2. Any notice of nonrenewal will be mailed or If this is an audit policy, then, subject to your delivered to the first Named Insured at the last full cooperation with us or our agent in securing mailing address known to us. If notice is the necessary data for audit, we will return any mailed, proof of mailing will be sufficient proof premium refund due within 90 days of the date of notice. cancellation takes effect. If our audit is not completed within this time limitation, then we shall accept your own audit, and any premium refund due shall be mailed within 10 working days of receipt of your audit. Page 2 of 2 ©Insurance Services Office, Inc., 2011 CG 02 20 03 12 POLICY NUMBER: 3AA637616 COMMERCIAL GENERAL LIABILITY CG 03 00 01 96 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DEDUCTIBLE LIABILITY INSURANCE This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART SCHEDULE Coverage Amount and Basis of Deductible PER CLAIM or PER OCCURRENCE Bodily Injury Liability $ $ OR Property Damage Liability $ $ OR Bodily Injury Liability and/or $ 2,500 $ Property Damage Liability Combined (If no entry appears above, information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement.) APPLICATION OF ENDORSEMENT (Enter below any limitations on the application of this endorsement. If no limitation is entered, the deductibles apply to damages for all "bodily injury" and "property damage", however caused): A. Our obligation under the Bodily Injury Liability and b. Under Property Damage Liability Coverage, Property Damage Liability Coverages to pay to all damages sustained by any one damages on your behalf applies only to the person because of"property damage"; or amount of damages in excess of any deductible c. Under Bodily Injury Liability and/or Property amounts stated in the Schedule above as Damage Liability Coverage Combined, to applicable to such coverages. all damages sustained by any one person B. You may select a deductible amount on either a because of: per claim or a per "occurrence" basis. Your (1) "Bodily injury"; selected deductible applies to the coverage option and to the basis of the deductible indicated by the (2) "Property damage"; or placement of the deductible amount in the (3) "Bodily injury" and "property damage" Schedule above. The deductible amount stated in combined the Schedule above applies as follows: as the result of any one"occurrence". 1. PER CLAIM BASIS. If the deductible amount If damages are claimed for care, loss of indicated in the Schedule above is on a per services or death resulting at any time from claim basis, that deductible applies as follows: "bodily injury", a separate deductible amount a. Under Bodily Injury Liability Coverage, to all will be applied to each person making a claim damages sustained by any one person for such damages. because of"bodily injury"; With respect to "property damage", person includes an organization. CG 03 00 01 96 Copyright, Insurance Services Office, Inc., 1994 Page 1 of 2 0 2. PER OCCURRENCE BASIS. If the deductible C. The terms of this insurance, including those with amount indicated in the Schedule above is on respect to: a "per occurrence" basis, that deductible 1. Our right and duty to defend the insured amount applies as follows: against any "suits" seeking those damages; a. Under Bodily Injury Liability Coverage, to all and damages because of"bodily injury"; 2. Your duties in the event of an "occurrence", b. Under Property Damage Liability Coverage, claim, or"suit" to all damages because of "property apply irrespective of the application of the damage"; or deductible amount. c. Under Bodily Injury Liability and/or Property D. We may pay any part or all of the deductible Damage Liability Coverage Combined, to amount to effect settlement of any claim or "suit" all damages because of: and, upon notification of the action taken, you shall (1) "Bodily injury"; promptly reimburse us for such part of the (2) "Property damage"; or deductible amount as has been paid by us. (3) "Bodily injury" and "property damage" combined as the result of any one "occurrence", regardless of the number of persons or organizations who sustain damages because of that"occurrence". Page 2 of 2 Copyright, Insurance Services Office, Inc., 1994 CG 03 00 01 96 0 COMMERCIAL GENERAL LIABILITY CG 20 01 0413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PRIMARY AND NONCONTRIBUTORY - OTHER INSURANCE CONDITION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART The following is added to the Other Insurance (2) You have agreed in writing in a contract or Condition and supersedes any provision to the agreement that this insurance would be contrary: primary and would not seek contribution Primary And Noncontributory Insurance from any other insurance available to the additional insured. This insurance is primary to and will not seek contribution from any other insurance available to an additional insured under your policy provided that: (1) The additional insured is a Named Insured under such other insurance; and CG 20 01 04 13 ©Insurance Services Office, Inc., 2012 Page 1 of 1 • POLICY NUMBER: 3AA637616 COMMERCIAL GENERAL LIABILITY CG20100413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY ADDITIONAL INSURED - OWNERS, LESSEES OR CONTRACTORS - SCHEDULED PERSON OR ORGANIZATION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Name Of Additional Insured Person(s) Or Organization(s) Location(s)Of Covered Operations FLORIDA DEPT OF TRANSPORTATION,CENTRAL 2200 N.COMMERCE PARKWAY,STE 200, OFFICE,605 SUWANNEE STREET, MS-55, WESTON, FL 33326 TALLAHASSEE, FL 32399 Information required to complete this Schedule, if not shown above,will be shown in the Declarations. A. Section II - Who Is An Insured is amended to B. With respect to the insurance afforded to these include as an additional insured the person(s) or additional insureds, the following additional organization(s) shown in the Schedule, but only exclusions apply: with respect to liability for"bodily injury", "property This insurance does not apply to "bodily injury" or damage" or "personal and advertising injury" "property damage"occurring after: caused, in whole or in part, by: 1. Your acts or omissions; or 1. All work, including materials, parts or equipment furnished in connection with such 2. The acts or omissions of those acting on your work, on the project (other than service, behalf; maintenance or repairs) to be performed by or in the performance of your ongoing operations for on behalf of the additional insured(s) at the the additional insured(s) at the location(s) location of the covered operations has been designated above. completed; or However: 2. That portion of "your work" out of which the injury or damage arises has been put to its 1. The insurance afforded to such additional intended use by any person or organization insured only applies to the extent permitted by other than another contractor or subcontractor law; and engaged in performing operations for a 2. If coverage provided to the additional insured is principal as a part of the same project. required by a contract or agreement, the C. With respect to the insurance afforded to these insurance afforded to such additional insured additional insureds, the following is added to will not be broader than that which you are Section III- Limits Of Insurance: required by the contract or agreement to provide for such additional insured. CG 20 10 04 13 ©Insurance Services Office, Inc.,2012 Page 1 of 2 If coverage provided to the additional insured is 2. Available under the applicable Limits of required by a contract or agreement, the most we Insurance shown in the Declarations; will pay on behalf of the additional insured is the amount of insurance: whichever is less. 1. Required by the contract or agreement; or This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. Page 2 of 2 ©Insurance Services Office, Inc., 2012 CG 20 10 04 13 COMMERCIAL GENERAL LIABILITY CG 20 33 12 19 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED - OWNERS, LESSEES OR CONTRACTORS - AUTOMATIC STATUS WHEN REQUIRED IN A WRITTEN CONSTRUCTION AGREEMENT WITH YOU This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Section II — Who Is An Insured is amended to B. With respect to the insurance afforded to these include as an additional insured any person or additional insureds, the following additional organization for whom you are performing exclusions apply: operations when you and such person or This insurance does not apply to: organization have agreed in writing in a contract or agreement that such person or organization be 1. "Bodily injury", "property damage" or "personal added as an additional insured on your policy.Such and advertising injury" arising out of the person or organization is an additional insured only rendering of, or the failure to render, any with respect to liability for"bodily injury", "property professional architectural, engineering or damage" or "personal and advertising injury" surveying services, including: caused, in whole or in part, by: a. The preparing, approving, or failing to 1. Your acts or omissions; or prepare or approve, maps, shop drawings, 2. The acts or omissions of those acting on your opinions, reports, surveys, field orders, behalf; change orders or drawings and specifications; or in the performance of your ongoing operations for b. Supervisory, inspection, architectural or the additional insured. engineering activities. However,the insurance afforded to such additional This exclusion applies even if the claims against insured: any insured allege negligence or other 1. Only applies to the extent permitted by law; and wrongdoing in the supervision, hiring, 2. Will not be broader than that which you are employment, training or monitoring of others by required by the contract or agreement to provide that insured, if the "occurrence" which caused for such additional insured. the "bodily injury" or"property damage", or the offense which caused the "personal and A person's or organization's status as an additional advertising injury", involved the rendering of or insured under this endorsement ends when your the failure to render any professional operations for that additional insured are architectural,engineering or surveying services. completed. CG 20 33 12 19 ©Insurance Services Office, Inc., 2018 Page 1 of 2 2. "Bodily injury" or "property damage" occurring C. With respect to the insurance afforded to these after: additional insureds, the following is added to a. All work, including materials, parts or Section III—Limits Of Insurance: equipment furnished in connection with such The most we will pay on behalf of the additional work, on the project (other than service, insured is the amount of insurance: maintenance or repairs)to be performed by 1. Required by the contract or agreement you have or on behalf of the additional insured(s) at entered into with the additional insured; or the location of the covered operations has been completed; or 2. Available under the applicable limits of b. That portion of"your work" out of which the insurance; injury or damage arises has been put to its whichever is less. intended use by any person or organization This endorsement shall not increase the applicable other than another contractor or limits of insurance. subcontractor engaged in performing operations for a principal as a part of the same project. Page 2 of 2 ©Insurance Services Office, Inc., 2018 CG 20 33 12 19 COMMERCIAL GENERAL LIABILITY CG20391219 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED - OWNERS, LESSEES OR CONTRACTORS - AUTOMATIC STATUS WHEN REQUIRED IN WRITTEN CONSTRUCTION AGREEMENT WITH YOU (COMPLETED OPERATIONS) This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART A. Section II - Who Is An Insured is amended to 2. Supervisory, inspection, architectural or include as an additional insured any person or engineering activities. organization for whom you have performed This exclusion applies even if the claims against operations when you and such person or any insured allege negligence or other wrongdoing organization have agreed in writing in a contract or in the supervision, hiring, employment, training or agreement that such person or organization be monitoring of others by that insured, if the added as an additional insured on your policy.Such "occurrence" which caused the "bodily injury" or person or organization is an additional insured only "property damage" involved the rendering of or the with respect to liability for"bodily injury"or"property failure to render any professional architectural, damage"caused, in whole or in part, by"your work" engineering or surveying services. performed for that additional insured and included in the"products-completed operations hazard". C. With respect to the insurance afforded to these However,the insurance afforded to such additional additional insureds, the following is added to Section III- Limits Of Insurance: insured: 1. Onlyapplies to the extentpermitted bylaw; and The most we will pay on behalf of the additional pp insured is the amount of insurance: 2. Will not be broader than that which you are 1. Required by the contract or agreement you have required by the contract or agreement to provide entered into with the additional insured; or for such additional insured. B. With respect to the insurance afforded to these 2. Available under the applicable limits of p insurance; additional insureds, the following additional exclusion applies: whichever is less. This insurance does not apply to: This endorsement shall not increase the applicable "Bodily injury" or "property damage" arising out of limits of insurance. the rendering of, or the failure to render, any professional architectural,engineering or surveying services, including: 1. The preparing, approving, or failing to prepare or approve, maps, shop drawings, opinions, reports, surveys, field orders, change orders or drawings and specifications; or CG 20 39 12 19 ©Insurance Services Office, Inc.,2018 Page 1 of 1 COMMERCIAL GENERAL LIABILITY CG 21 36 03 05 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - NEW ENTITIES This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART Paragraph 3.of Section II- Who Is An Insured does not apply. CG 21 36 03 05 ©ISO Properties, Inc., 2004 Page 1 of 1 COMMERCIAL GENERAL LIABILITY CG 21 47 12 07 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYMENT-RELATED PRACTICES EXCLUSION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph 2., B. The following exclusion is added to Paragraph 2., Exclusions of Section I — Coverage A — Bodily Exclusions of Section I — Coverage B — Injury And Property Damage Liability: Personal And Advertising Injury Liability: This insurance does not apply to: This insurance does not apply to: "Bodily injury"to: "Personal and advertising injury"to: (1) A person arising out of any: (1) A person arising out of any: (a) Refusal to employ that person; (a) Refusal to employ that person; (b) Termination of that person's employment; (b) Termination of that person's employment; or or (c) Employment-related practices, policies, (c) Employment-related practices, policies, acts or omissions, such as coercion, acts or omissions, such as coercion, demotion, evaluation, reassignment, demotion, evaluation, reassignment, discipline, defamation, harassment, discipline, defamation, harassment, humiliation, discrimination or malicious humiliation, discrimination or malicious prosecution directed at that person; or prosecution directed at that person; or (2) The spouse, child, parent, brother or sister of (2) The spouse, child, parent, brother or sister of that person as a consequence of"bodily injury" that person as a consequence of"personal and to that person at whom any of the employment- advertising injury" to that person at whom any related practices described in Paragraphs (a), of the employment-related practices described (b),or(c)above is directed. in Paragraphs(a),(b),or(c)above is directed. This exclusion applies: This exclusion applies: (1) Whether the injury-causing event described in (1) Whether the injury-causing event described in Paragraphs (a), (b) or(c) above occurs before Paragraphs (a), (b) or(c) above occurs before employment, during employment or after employment, during employment or after employment of that person; employment of that person; (2) Whether the insured may be liable as an (2) Whether the insured may be liable as an employer or in any other capacity; and employer or in any other capacity; and (3) To any obligation to share damages with or (3) To any obligation to share damages with or repay someone else who must pay damages repay someone else who must pay damages because of the injury. because of the injury. CG 21 47 12 07 ©ISO Properties, Inc.,2006 Page 1 of 1 0 COMMERCIAL GENERAL LIABILITY CG 21 49 09 99 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. TOTAL POLLUTION EXCLUSION ENDORSEMENT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART Exclusion f. under Paragraph 2., Exclusions of Section I— (2) Any loss, cost or expense arising out of any: Coverage A—Bodily Injury And Property Damage Liability is replaced by the following: (a) Request, demand, order or statutory or regulatory requirement that any insured or This insurance does not apply to: others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in f. Pollution any way respond to, or assess the effects of"pollutants"; or (1) "Bodily injury" or "property damage" which would not have occurred in whole or part but for (b) Claim or suit by or on behalf of a the actual, alleged or threatened discharge, governmental authority for damages dispersal, seepage, migration, release or because of testing for, monitoring, cleaning escape of"pollutants"at any time. up, removing, containing, treating, detoxifying or neutralizing, or in any way responding to, or assessing the effects of, "pollutants". CG 21 49 09 99 Copyright, Insurance Services Office, Inc., 1998 Page 1 of 1 0 COMMERCIAL GENERAL LIABILITY CG21730115 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION OF CERTIFIED ACTS OF TERRORISM This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY A. The following exclusion is added: b. The act is a violent act or an act that is This insurance does not apply to: dangerous to human life, property or TERRORISM infrastructure and is committed by an individual or individuals as part of an effort "Any injury or damage" arising, directly or to coerce the civilian population of the indirectly, out of a"certified act of terrorism". United States or to influence the policy or B. The following definitions are added: affect the conduct of the United States Government by coercion. 1. For the purposes of this endorsement, "any C. The terms and limitations of any terrorism injury or damage" means any injury or damage exclusion, or the inapplicability or omission of a covered under any Coverage Part to which this terrorism exclusion, do not serve to create endorsement is applicable, and includes but is coverage for injury or damage that is otherwise not limited to "bodily injury", "property damage", "personal and advertising injury", excluded under this Coverage Part. "injury" or "environmental damage" as may be defined in any applicable Coverage Part. 2. "Certified act of terrorism" means an act that is certified by the Secretary of the Treasury, in accordance with the provisions of the federal Terrorism Risk Insurance Act, to be an act of terrorism pursuant to such Act. The criteria contained in the Terrorism Risk Insurance Act for a "certified act of terrorism" include the following: a. The act resulted in insured losses in excess of$5 million in the aggregate, attributable to all types of insurance subject to the Terrorism Risk Insurance Act; and CG 21 73 01 15 ©Insurance Services Office, Inc.,2014 Page 1 of 1 COMMERCIAL GENERAL LIABILITY CG 21 86 12 04 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - EXTERIOR INSULATION AND FINISH SYSTEMS This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A. This insurance does not apply to "bodily injury", B. The following definition is added to the Definitions "property damage" or "personal and advertising Section: injury" arising out of, caused by, or attributable to, "Exterior insulation and finish system" means a whether in whole or in part, the following: non-load bearing exterior cladding or finish 1. The design, manufacture, construction, system, and all component parts therein, used on fabrication, preparation, distribution and sale, any part of any structure, and consisting of: installation, application, maintenance or repair, 1. A rigid or semi-rigid insulation board made of including remodeling, service, correction or expanded polystyrene and other materials; replacement, of any "exterior insulation and finish system" or any part thereof, or any 2. The adhesive and/or mechanical fasteners substantially similar system or any part thereof, used to attach the insulation board to the including the application or use of conditioners, substrate; primers, accessories, flashings, coatings, 3. A reinforced or unreinforced base coat; caulking or sealants in connection with such a 4. A finish coat providing surface texture to which system; or color may be added; and 2. "Your product" or "your work" with respect to 5. Any flashing, caulking or sealant used with the any exterior component, fixture or feature of system for any purpose. any structure if an"exterior insulation and finish system", or any substantially similar system, is used on the part of that structure containing that component,fixture or feature. CG 21 86 12 04 ©ISO Properties, Inc., 2003 Page 1 of 1 COMMERCIAL GENERAL LIABILITY CG22941001 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - DAMAGE TO WORK PERFORMED BY SUBCONTRACTORS ON YOUR BEHALF This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART Exclusion I. of Section I — Coverage A — Bodily Injury And Property Damage Liability is replaced by the following: 2. Exclusions This insurance does not apply to: I. Damage To Your Work "Property damage"to "your work" arising out of it or any part of it and included in the "products-completed operations hazard". CG 22 9410 01 ©ISO Properties, Inc., 2000 Page 1 of 1 ID COMMERCIAL GENERAL LIABILITY CG24260413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF INSURED CONTRACT DEFINITION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART The definition of"insured contract" in the Definitions Paragraph f. does not include that part of any section is replaced by the following: contract or agreement: "Insured contract"means: (1) That indemnifies a railroad for"bodily injury" a. A contract for a lease of premises. However, or "property damage" arising out of that portion of the contract for a lease of construction or demolition operations, within premises that indemnifies any person or 50 feet of any railroad property and organization for damage by fire to premises affecting any railroad bridge or trestle, while rented to you or temporarily occupied by tracks, road-beds, tunnel, underpass or you with permission of the owner is not an crossing; "insured contract"; (2) That indemnifies an architect, engineer or b. A sidetrack agreement; surveyor for injury or damage arising out of: c. Any easement or license agreement, except in (a) Preparing, approving, or failing to connection with construction or demolition prepare or approve, maps, shop operations on or within 50 feet of a railroad; drawings, opinions, reports, surveys, field orders, change orders or drawings d. An obligation, as required by ordinance, to and specifications; or indemnify a municipality, except in connection (b) directions or instructions, or with work for a municipality; Giving failing to give them, if that is the primary e. An elevator maintenance agreement; cause of the injury or damage; or f. That part of any other contract or agreement (3) Under which the insured, if an architect, pertaining to your business (including an engineer or surveyor, assumes liability for indemnification of a municipality in connection an injury or damage arising out of the with work performed for a municipality) under insured's rendering or failure to render which you assume the tort liability of another professional services, including those listed party to pay for "bodily injury" or "property in (2) above and supervisory, inspection, damage" to a third person or organization, architectural or engineering activities. provided the "bodily injury" or "property damage" is caused, in whole or in part, by you or by those acting on your behalf. However, such part of a contract or agreement shall only be considered an "insured contract" to the extent your assumption of the tort liability is permitted by law. Tort liability means a liability that would be imposed by law in the absence of any contract or agreement. CG 24 26 0413 ©Insurance Services Office, Inc., 2012 Page 1 of 1 COMMERCIAL GENERAL LIABILITY CG 24531219 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. WAIVER OF TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US (WAIVER OF SUBROGATION) - AUTOMATIC This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART ELECTRONIC DATA LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART DESIGNATED SITES POLLUTION LIABILITY LIMITED COVERAGE PART DESIGNATED SITES PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY DESIGNATED TANKS The following is added to Paragraph 8. Transfer Of Rights Of Recovery Against Others To Us of Section IV- Conditions: We waive any right of recovery against any person or organization, because of any payment we make under this Coverage Part,to whom the insured has waived its right of recovery in a written contract or agreement. Such waiver by us applies only to the extent that the insured has waived its right of recovery against such person or organization prior to loss. CG 24 53 12 19 ©Insurance Services Office, Inc., 2018 Page 1 of 1 COMMERCIAL GENERAL LIABILITY MARKEL® EVANSTON INSURANCE COMPANY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COMBINATION GENERAL ENDORSEMENT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE FORM A. Paragraph 2. Exclusions under Section I—Coverages, Coverage A—Bodily Injury And Property Damage Liability and Coverage B—Personal And Advertising Injury Liability are amended as follows: 1. The following exclusion: a. Is added to Coverage A; and b. Replaces the Breach Of Contract exclusion in Coverage B: This insurance does not apply to: Breach Of Contract Any claim arising out of actual or alleged breach of contract,whether written or oral, express or implied, implied-in- law, or implied-in-fact contract. 2. The following exclusions are added: This insurance does not apply to: Cross Suits Any claim made or"suit" brought by any Named Insured covered by this policy against any other Named Insured covered by this policy. Discrimination "Bodily injury", "property damage", or "personal and advertising injury" in any way involving actual or alleged discrimination of any kind. Fines, Penalties, Punitive Damages, Or Exemplary Damages Fines, penalties, punitive damages, or exemplary damages, or any expenses or any obligation to share such damages or repay another. However, this exclusion does not apply to punitive damages from wrongful death brought under Alabama's Wrongful Death Statute. Hazardous Or Toxic Substances (1) "Bodily injury","property damage",or"personal and advertising injury"in any way involving,directly or indirectly, in whole or in part, the actual, alleged, or threatened contact with, exposure to, or inhalation, ingestion, existence, or presence of "hazardous or toxic substances", regardless of whether any other cause, event, material, or product contributed concurrently or in any sequence to such "bodily injury"or"property damage"; or (2) Any loss, cost, or expense arising out of abating, testing for, monitoring, cleaning up, removing, containing, treating, detoxifying, disinfecting, neutralizing, remediating, or disposing of, or in any way responding to or assessing the effects of"hazardous or toxic substances"by any insured or by any other person or entity. MEGL 0001 08 20 Includes copyrighted material of Insurance Services Office, Inc., Page 1 of 2 with its permission. Movement Of Land Or Earth "Bodily injury", "property damage", or"personal and advertising injury"in any way involving, directly or indirectly, in whole or in part, movement of land or earth regardless of whether movement emanates from, is aggravated by, or is attributable to any operations performed by or on behalf of any insured, whether the first manifestation occurs during the policy period or prior or subsequent thereto. Movement of land or earth includes instability, subsidence, settling, sinking, slipping, falling away, caving in, shifting, eroding, rising, tilting, bulging, cracking, mudflow, mudslide,earthquake,or shrinking or expansion of ground,slabs,footings,foundations,walls, roofs,floors,ceilings, or any other real property or part thereof. Professional Liability Any actual or alleged professional liability, errors, omissions, negligent acts, malpractice, or acts of any type including rendering or failing to render any type of professional service, unless such coverage is specifically endorsed onto the policy. B. The following is added to Section II—Who Is An Insured: When coverage does not apply for the Named Insured, no coverage or defense shall be afforded to any Additional Insured under this policy. C. All references in this policy to minimum premium, deposit premium, and premium audit are replaced by the following: 1. The premium shown as advanced premium is both a deposit premium and a minimum premium for the policy term. At the close of each audit period, we will compute the earned premium for that period. If the earned premium is more than the advanced premium,then the amount by which the earned premium exceeds the advanced premium is due and payable upon notice to you. If the earned premium is less,the advanced premium applies as the minimum premium with no return premium payable to you. 2. If this policy is cancelled, the pro rata or short rate of the minimum and deposit premium will apply for the policy term, subject to an absolute minimum earned premium of 25% of the total advanced premium unless final audit develops a premium greater than 25% of the total advanced premium. If your business is seasonal, the minimum premium then becomes fully earned at the end of your season. D. The following definitions are added to the Definitions section: "Fungi"means any type or form of fungus, including mold or mildew and any mycotoxins, spores,scents,or byproducts produced or released by"fungi". "Hazardous or toxic substances" means asbestos, lead, silica, silica dust, legionella, "organic pathogens", or any hazardous waste as classified by the Environmental Protection Agency. "Organic pathogen"means any: a. Organic irritant or contaminant including, but not limited to, "fungi", wet or dry rot, bacteria, virus, or other microorganism of any type, and their byproducts; or b. Disease-causing agent as classified by the Environmental Protection Agency. However, "organic pathogen" does not include any "fungi" or bacteria that are on or contained in a good or product intended for consumption. All other terms and conditions remain unchanged. MEGL 0001 08 20 Includes copyrighted material of Insurance Services Office, Inc., Page 2 of 2 with its permission. COMMERCIAL GENERAL LIABILITY MARKEL' Evanston Insurance Company THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - CONTINUOUS OR PROGRESSIVE INJURY OR DAMAGE This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE FORM The following is added to Paragraph 2. Exclusions under Section I—Coverages, Coverage A—Bodily Injury And Property Damage Liability and Coverage B—Personal And Advertising Injury Liability: This insurance does not apply to: Continuous Or Progressive Injury Or Damage "Bodily injury", "property damage", or"personal and advertising injury"that: (1) First occurred, first began to occur, or is alleged to have first occurred; (2) Is alleged to be in the process of occurring to any degree; or (3) Is caused by or alleged to have been caused by incremental, continuous or progressive injury or damage arising from an"occurrence"or offense which first occurred, began to occur, or is alleged to have first occurred, prior to the effective date of this policy. However,this exclusion does not apply to"bodily injury","property damage",or"personal and advertising injury"that actually or allegedly occurred in Colorado and was unknown by you prior to the policy period. All other terms and conditions remain unchanged. MEGL 0008 04 20 Includes copyrighted material of Insurance Services Office, Inc., Page 1 of 1 with its permission. COMMERCIAL GENERAL LIABILITY ill POLICY NUMBER: 3AA637616 MARKEL' EVANSTON INSURANCE COMPANY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LIMITATION - CONTRACTOR OR SUBCONTRACTOR MANAGEMENT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE FORM SCHEDULE Minimum General Aggregate Limit(Other Than Products/Completed Operations): $2,000,000 Minimum Products/Completed Operations Aggregate Limit: $2,000,000 Minimum Each Occurrence Limit: $1,000,000 A. The following is added to Section IV—Commercial General Liability Conditions: Contractor Or Subcontractor Management Prior to the commencement of any work performed for or on behalf of the insured by a contractor or subcontractor,the insured must require, secure and maintain a certificate of insurance that confirms that the contractor or subcontractor: a. Carries Commercial General Liability coverage with limits that are equal to or greater than the limits shown in the Schedule above; and b. Names you as an additional insured on such coverage. If no limits are shown in the Schedule above,then the limits carried by the contractor or subcontractor must be equal to or greater than the limits shown in the Declarations of this Coverage Form. B. If all of the conditions of the Contractor Or Subcontractor Management condition are not met or the insured fails to provide proof of compliance with such conditions at the time of an"occurrence"or offense involving the work performed by a contractor or subcontractor for or on behalf of the insured, then subject to the General Aggregate Limit or Products/Completed Operations Aggregate Limit,whichever applies, $50,000 is the most we will pay for the sum of all: 1. Damages under Coverage A; 2. Damages under Coverage B; 3. Medical Expenses under Coverage C; 4. Loss adjustment expenses; 5. Supplementary payments; and 6. Defense costs; because of all"bodily injury"and"property damage"arising out of the"occurrence", or"personal and advertising injury" arising out of the offense, involving the work performed by the contractor or subcontractor for or on behalf of the insured. Once this $50,000 limit is exhausted, we are no longer obligated to defend or indemnify any insured for such "occurrence"or offense. All other terms and conditions remain unchanged. MEGL 0103 0718 Includes copyrighted material of Insurance Services Office, Inc., Page 1 of 1 with its permission. COMMERCIAL GENERAL LIABILITY POLICY NUMBER: 3AA637616 MARKEL' EVANSTON INSURANCE COMPANY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CONSTRUCTION PROJECT(S) GENERAL AGGREGATE LIMIT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE FORM SCHEDULE Maximum Annual Limit Of Insurance: $5,000,000 The following changes are subject to the Maximum Annual Limit Of Insurance shown in the Schedule of this endorsement. In no event will we be liable for damages in excess of the Maximum Annual Limit Of Insurance shown in the Schedule of this endorsement. A. For all sums which the insured becomes legally obligated to pay as damages caused by"occurrences" under Section I — Coverage A, and for all medical expenses caused by accidents under Section I — Coverage C, which can be attributed only to ongoing operations at a single designated construction project: 1. A separate Construction Project General Aggregate Limit applies to each construction project, and that limit is equal to the amount of the General Aggregate Limit shown in the Declarations. 2. The Construction Project General Aggregate Limit is the most we will pay for the sum of all damages under Coverage A, except damages because of "bodily injury" or "property damage" included in the "products- completed operations hazard", and for medical expenses under Coverage C regardless of the number of: a. Insureds; b. Claims made or"suits"brought; or c. Persons or organizations making claims or bringing "suits". 3. Any payments made under Coverage A for damages or under Coverage C for medical expenses will reduce the Construction Project General Aggregate Limit for that construction project and the Maximum Annual Limit Of Insurance shown in the Schedule of this endorsement. Such payments will not reduce the General Aggregate Limit shown in the Declarations nor will they reduce any other Construction Project General Aggregate Limit for any other construction project. 4. The limits shown in the Declarations for Each Occurrence, Damage To Premises Rented To You and Medical Expense continue to apply. However, instead of being subject to the General Aggregate Limit shown in the Declarations, such limits will be subject to the applicable Construction Project General Aggregate Limit. B. For all sums which the insured becomes legally obligated to pay as damages caused by"occurrences" under Section I — Coverage A, and for all medical expenses caused by accidents under Section I —Coverage C, which cannot be attributed only to ongoing operations at a single construction project: 1. Any payments made under Coverage A for damages or under Coverage C for medical expenses will reduce the amount available under the General Aggregate Limit or the Products-Completed Operations Aggregate Limit, whichever is applicable, and the Maximum Annual Limit Of Insurance shown in the Schedule of this endorsement; and 2. Such payments will not reduce any Construction Project General Aggregate Limit. MEGL 0313 02 17 Includes copyrighted material of Insurance Services Office, Inc., Page 1 of 2 with its permission. C. When coverage for liability arising out of the "products-completed operations hazard" is provided, any payments for damages because of"bodily injury"or"property damage" included in the"products-completed operations hazard"will reduce the Products-Completed Operations Aggregate Limit and Maximum Annual Limit Of Insurance shown in the Schedule of this endorsement, but not reduce the General Aggregate Limit nor the Construction Project General Aggregate Limit. D. If the applicable construction project has been abandoned, delayed, or abandoned and then restarted, or if the authorized contracting parties deviate from plans, blueprints, designs, specifications or timetables, the project will still be deemed to be the same construction project. E. The provisions of Section III —Limits Of Insurance not otherwise modified by this endorsement will continue to apply as stipulated. All other terms and conditions remain unchanged. MEGL 0313 02 17 Includes copyrighted material of Insurance Services Office, Inc., Page 2 of 2 with its permission. COMMERCIAL GENERAL LIABILITY MARKEL' EVANSTON INSURANCE COMPANY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - TAINTED DRYWALL/GYPSUM CONTAINING BUILDING MATERIALS This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE FORM PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE FORM Please refer to each Coverage Form to determine which terms are defined. Words shown in quotations on this endorsement may or may not be defined in all Coverage Forms. A. The following Exclusion is added: This insurance does not apply to: Tainted Drywall/Gypsum Containing Building Materials "Bodily injury", "property damage" or"personal and advertising injury"actually or allegedly arising out of or in any way involving a claim, "suit", administrative action or proceeding, regulatory or statutory remediation, or liability legislation of any governmental entity, seeking remediation, damages or equitable relief for, "tainted drywall/gypsum containing building materials". B. The following Definition is added: "Tainted drywall/gypsum containing building materials" means any drywall, plasterboard, sheetrock, wall board, green board, blue board, gypsum board or any gypsum containing building materials which: a. Emits, or has the potential to emit, sulfuric odors, sulfur-containing gas or sulfuric-containing acids; b. Causes or contributes to corrosion or oxidation of any matter; c. Contains arsenic, strontium, or any radioactive compounds; d. Contains fly ash or any other material derived from coal-fired power plants; e. Contains gypsum that is less than 70.0 percent weight percent CaSO4.2H20; or f. Contains manufacturing by-products,waste, or asbestos. All other terms and conditions remain unchanged. MEGL 1361 0516 Includes copyrighted material from Insurance Services Office, Inc., Page 1 of 1 with its permission. A STOCK COMPANY 1111111 MARKEL® EVANSTON INSURANCE COMPANY 10275 West Higgins Road, Suite 750 Rosemont, IL 60018 INSURANCE POLICY Coverage afforded by this policy is provided by the Company(Insurer)and named in the Declarations. In Witness Whereof,the company(insurer) has caused this policy to be executed and attested and countersigned by a duly authorized representative of the company(insurer) identified in the Declarations. 411dielk.Lita )(14(44TIA., Secretary President MJIL 1000 0810 Page 1 of 1 MARKEL® Evanston Insurance Company PRIVACY NOTICE U. S. Consumer Privacy Notice Rev. 1/1/2020 FACTS WHAT DOES MARKEL GROUP OF COMPANIES REFERENCED BELOW (INDIVIDUALLY OR COLLECTIVELY REFERRED TO AS"WE", "US", OR"OUR") DO WITH YOUR PERSONAL INFORMATION? Why? In the course of Our business relationship with you,We collect information about you that is necessary to provide you with Our products and services. We treat this information as confidential and recognize the importance of protecting it. Federal and state law gives you the right to limit some but not all sharing of your personal information. Federal and state law also requires Us to tell you how We collect, share, and protect your personal information. Please read this notice carefully to understand what We do. What? The types of personal information We collect and share depend on the product or service you have with Us. This information can include: • your name, mailing and email address(es), telephone number, date of birth, gender, marital or family status, identification numbers issued by government bodies or agencies(i.e.:Social Security number or FEIN,driver's license or other license number), employment,education, occupation, or assets and income from applications and other forms from you, your employer and others; • your policy coverage, claims, premiums, and payment history from your dealings with Us, Our Affiliates, or others; • your financial history from other insurance companies, financial organizations, or consumer reporting agencies,including but not limited to payment card numbers,bank account or other financial account numbers and account details, credit history and credit scores, assets and income and other financial information, or your medical history and records. Personal information does not include: • publicly-available information from government records; • de-identified or aggregated consumer information. When you are no longer Our customer, We continue to share your information as described in this Notice as required by law. How? All insurance companies need to share customers' personal information to run their everyday business. In the section below, We list the reasons financial companies can share their customers' personal information; the reasons We choose to share; and whether you can limit this sharing. We restrict access to your personal information to those individuals, such as Our employees and agents,who provide you with insurance products and services. We may disclose your personal information to Our Affiliates and Nonaffiliates (1)to process your transaction with Us, for instance, to determine eligibility for coverage, to process claims, or to prevent fraud, or (2)with your written authorization,or(3)otherwise as permitted by law.We do not disclose any of your personal information, as Our customer or former customer, except as described in this Notice. MPIL 1007 01 20 Page 1 of 3 Reasons We can share your personal information Do We Can you share? limit this sharing? For Our everyday business purposes and as required by law— Yes No such as to process your transactions, maintain your account(s), respond to court orders and legal/regulatory investigations,to prevent fraud, or report to credit bureaus For Our marketing purposes— Yes No to offer Our products and services to you For Joint Marketing with other financial companies Yes No For Our Affiliates'everyday business purposes— Yes No information about your transactions and experiences For Our Affiliates'everyday business purposes— No We don't information about your creditworthiness share For Our Affiliates to market you No We don't share For Nonaffiliates to market you No We don't share Questions?Call(888) 560-4671 or email privacvmarkel.com Who We are Who is providing this Notice? A list of Our companies is located at the end of this Notice. What We do How do We protect your We maintain reasonable physical, electronic, and procedural safeguards to protect personal information? your personal information and to comply with applicable regulatory standards. For more information, visit www.markel.com/privacy-policy. How do We collect your personal We collect your personal information, for example, when you information? • complete an application or other form for insurance • perform transactions with Us, Our Affiliates, or others • file an insurance claim or provide account information • use your credit or debit card We also collect your personal information from others, such as consumer reporting agencies that provide Us with information such as credit information, driving records, and claim histories. Why can't you limit all sharing of Federal law gives you the right to limit only your personal information? • sharing for Affiliates' everyday business purposes — information about your creditworthiness • Affiliates from using your information to market to you • sharing for Nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See the Other Important Information section of this Notice for more on your rights under state law. MPIL10070120 Page 2of3 Definitions Affiliates Companies related by common ownership or control.They can be financial and nonfinancial companies. • Our Affiliates include member companies of Markel Group. Nonaffiliates Companies not related by common ownership or control.They can be financial and nonfinancial companies. • Nonaffiliates that We can share with can include financial services companies such as insurance agencies or brokers, claims adjusters, reinsurers, and auditors, state insurance officials, law enforcement, and others as permitted by law. Joint Marketing A formal agreement between Nonaffiliated companies that together market financial products or services to you. • Our Joint Marketing providers can include entities providing a service or product that could allow Us to provide a broader selection of insurance products to you. Other Important Information For Residents of AZ,CT,GA, IL, ME, MA,MN,MT, NV, NJ, NC, OH,OR,and VA: Under state law, under certain circumstances you have the right to access and request correction, amendment or deletion of personal information that We have collected from or about you. To do so, contact your agent, visit www.markel.com/privacy-policv, call (888)560- 4671, or write to Markel Corporation Privacy Office, 4521 Highwoods Parkway, Glen Allen,VA 23060. We may charge a reasonable fee to cover the costs of providing this information. We will let you know what actions We take. If you do not agree with Our actions, you may send Us a statement. For Residents of CA:You have the right to review, make corrections, or delete your recorded personal information contained in Our files.To do so, contact your agent, visit www.markel.com/privacy-policy, call (888) 560-4671, or write to Markel Corporation Privacy Office, 4521 Highwoods Parkway, Glen Allen,VA 23060. We do not and will not sell your personal information. For the categories of personal information We have collected from consumers within the last 12 months, please visit: www.markel.com/privacv-policv. For Residents of MA and ME:You may ask, in writing,for specific reason, for an adverse underwriting decision. Markel Group of Companies Providing This Notice: City National Insurance Company, Essentia Insurance Company, Evanston Insurance Company, FirstComp Insurance Company, Independent Specialty Insurance Company, National Specialty Insurance Company, Markel Bermuda Limited, Markel American Insurance Company, Markel Global Reinsurance Company, Markel Insurance Company, Markel International Insurance Company Limited, Markel Service, Incorporated, Markel West, Inc. (d/b/a in CA as Markel West Insurance Services), Pinnacle National Insurance Company, State National Insurance Company, Inc., Superior Specialty Insurance Company, SureTec Agency Services, Inc. (d/b/a in CA as SureTec Agency Insurance Services), SureTec Indemnity Company, SureTec Insurance Company, United Specialty Insurance Company, Inc. MPIL 1007 01 20 Page 3 of 3 COMMERCIAL GENERAL LIABILITY MARKEL' EVANSTON INSURANCE COMPANY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - NEW OR EXISTING RESIDENTIAL WORK This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE FORM A. The following exclusion is added to Paragraph 2. Exclusions under Section I—Coverages, Coverage A—Bodily Injury And Property Damage Liability and Coverage B—Personal And Advertising Injury Liability: This insurance does not apply to: New Or Existing Residential Work "Bodily injury", "property damage", or"personal and advertising injury", including "bodily injury" or"property damage" included within the"products-completed operations hazard", arising out of"your product"or"your work" related to any newly constructed or existing residential: (1) Single-family dwelling; (2) Multi-family housing development in which each unit is individually titled, including, but not limited to, a duplex, condominium, or townhouse development; (3) Housing cooperative development; (4) Planned unit development; or (5) Timeshare development. This exclusion applies even if one or more buildings However, this exclusion does not apply to "your product" or"your work" related to any newly constructed or existing "apartment structure". B. The following definition is added to the Definitions section: "Apartment structure"means a multi-family structure of units that are held for rental in which all units are owned by the same person or organization and not individually titled. All other terms and conditions remain unchanged. MEGL 1627 09 21 Includes copyrighted information of Insurance Services Office, Inc., Page 1 of 1 with its permission. COMMERCIAL GENERAL LIABILITY MARKEL° EVANSTON INSURANCE COMPANY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - EMPLOYER'S LIABILITY AND BODILY INJURY TO CONTRACTORS, SUBCONTRACTORS, OR INDEPENDENT CONTRACTORS This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE FORM OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE FORM A. The Employer's Liability exclusion under Bodily Injury And Property Damage Liability is replaced by the following: This insurance does not apply to: Employer's Liability "Bodily injury"to: (1) An"employee", "volunteer worker", or"temporary worker"of the insured arising out of and in the course of: (a) Employment by the insured; or (b) Performing duties related to the conduct of the insured's business; (2) Any other person who performs labor in any capacity for or on behalf of any insured, with or without any form of compensation; or (3) The spouse, partner, child, parent, brother, sister, or any other relative of any person described in Paragraph(1)or (2)above, as a consequence of Paragraph (1)or(2)above. This exclusion applies whether the insured may be liable as an employer or in any other capacity and to any obligation to share damages with or repay someone else who must pay damages because of the injury. This exclusion applies to any liability assumed under an"insured contract". B. The following exclusion is added to Bodily Injury And Property Damage Liability: This insurance does not apply to: Bodily Injury To Contractors,Subcontractors,Or Independent Contractors "Bodily injury"to any: (1) Contractor, subcontractor, or independent contractor while working on behalf of any insured; (2) Employee, volunteer worker, leased worker, or temporary worker of any contractor, subcontractor, or independent contractor indicated in Paragraph (1)above; (3) Additional contractor, subcontractor, or independent contractor of any contractor, subcontractor, or independent contractor indicated in Paragraph (1) above, including the employees, volunteer workers, leased workers, or temporary workers of such additional contractor, subcontractor, or independent contractor; or (4) Any other person who performs labor in any capacity for or on behalf of any person indicated in Paragraph (1), (2), or(3)above,with or without any form of compensation. MEGL 1637 10 19 Includes copyrighted material of Insurance Services Office, Inc., Page 1 of 2 with its permission. This exclusion applies: (a) Even if the claim against any insured alleges negligence or other wrongdoing in the: (i) Selection, hiring, or contracting; (ii) Investigation; (iii) Supervision or monitoring; (iv)Training; or (v) Retention of any contractor, subcontractor, or independent contractor for whom any insured is or was legally responsible and whose"bodily injury"would be excluded by Paragraph (1), (2), (3), or(4)above; (b) Whether the insured may be liable as an employer or in any other capacity; (c) To any obligation to share damages with or repay someone else who must pay damages because of the injury; and (d) To liability assumed by the insured under an"insured contract". All other terms and conditions remain unchanged. MEGL 1637 10 19 Includes copyrighted material of Insurance Services Office, Inc., Page 2 of 2 with its permission. COMMERCIAL GENERAL LIABILITY MARKEL® Evanston Insurance Company THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - COMMUNICABLE DISEASE This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE FORM The following exclusion is added to Section I—Coverages, Coverage A—Bodily Injury And Property Damage Liability and Coverage B—Personal And Advertising Injury of the Coverage Form, and all insuring agreements added to the policy by separate endorsement: This insurance does not apply to: Communicable Disease Any liability, claim, "suit", damages, or injury of any type including, but not limited to, "bodily injury", "property damage", or "personal and advertising injury" arising out of the actual or alleged exposure to, transmission of, or contraction of any communicable disease. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the: (1) Testing or failing to test for any communicable disease; (2) Failure to prevent the spread of the disease; (3) Failure to report the disease to authorities; or (4) Supervising, hiring, employing, training, or monitoring of others who: (a) May be infected with any communicable disease; (b) May spread any communicable disease; or (c) Are alleged to have engaged in any wrongdoing set forth in Paragraphs(1)through(3)above. All other terms and conditions remain unchanged. MEGL 2322 05 21 Includes copyrighted material of Insurance Services Office, Inc., Page 1 of 1 with its permission. COMMERCIAL GENERAL LIABILITY 11111 MARKEL' EVANSTON INSURANCE COMPANY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - UNMANNED AIRCRAFT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE FORM A. The following is added to Paragraph 2. Exclusions under Section I — Coverages, Coverage A — Bodily Injury And Property Damage Liability: This insurance does not apply to: Unmanned Aircraft "Bodily injury" or"property damage" arising out of the ownership, maintenance, use or entrustment to others of any "unmanned aircraft". Use includes operation and"loading or unloading". This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that insured, if the "occurrence"which caused the "bodily injury" or "property damage" involved the ownership, maintenance, use or entrustment to others of any "unmanned aircraft". This exclusion does not serve to create coverage for"bodily injury" or"property damage" that is otherwise excluded under this Coverage Form. B. The following is added to Paragraph 2. Exclusions under Section I — Coverages, Coverage B — Personal And Advertising Injury Liability: This insurance does not apply to: Unmanned Aircraft "Personal and advertising injury" arising out of the ownership, maintenance, use or entrustment to others of any "unmanned aircraft". Use includes operation and"loading or unloading". This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that insured, if the offense which caused the "personal and advertising injury" involved the ownership, maintenance, use or entrustment to others of any "unmanned aircraft". This exclusion does not apply to: (1) The use of another's advertising idea in your"advertisement";or (2) Infringing upon another's copyright,trade dress or slogan in your"advertisement". C. The following is added to the Definitions section: "Unmanned aircraft"means an aircraft that is not: a. Designed; b. Manufactured; or c. Modified after manufacture; to be controlled directly by a person from within or on the aircraft. All other terms and conditions remain unchanged. MGL 1319 01 16 Includes copyrighted material of Insurance Services Office, Inc., Page 1 of 1 with its permission. COMMERCIAL GENERAL LIABILITY MARKEL® EVANSTON INSURANCE COMPANY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - CYBER INCIDENT, DATA COMPROMISE, AND VIOLATION OF STATUTES RELATED TO PERSONAL DATA This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE FORM OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE FORM POLLUTION LIABILITY LIMITED COVERAGE FORM DESIGNATED SITES PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE FORM A. The following exclusion is added to the Exclusions section of the Coverage Form, and all insuring agreements added to this policy by separate endorsement other than an endorsement described in Paragraph B.below, and replaces any Electronic Data exclusion found anywhere in the policy: This insurance does not apply to: Cyber Incident, Data Compromise,And Violation Of Statutes Related To Personal Data Damages caused by, arising out of, or in any way involving, directly or indirectly: (1) The loss of, loss of use of, corruption of, inability to access, or reduction in functionality of a "computer system", including, but not limited to: (a) Damage to or loss of data occurring on a"computer system"; (b) Unauthorized access of a"computer system"; (c) Computer malware on a"computer system"; (d) Human error affecting a"computer system"; (e) System failure occurring on a"computer system"; (f) A defect of a"computer system"; (g) Social engineering, including, but not limited to, any priming, pretexting, spoofing, or other fraudulent, manipulative, or deceptive communication; or (h) Cyber extortion; (2) Any: (a) Access to or disclosure of(whether such access or disclosure is authorized or unauthorized); or (b) Theft, alteration, or corruption of; any person's or organization's confidential, intellectual, or proprietary information or data, including, but not limited to, "personal data", patents, trade secrets, processing methods, customer lists, or any other type of nonpublic information; or (3) Any action or omission that violates or is alleged to violate any federal, state, or local statute, law, rule, ordinance, or regulation that addresses, prohibits, regulates, or limits the printing, interception, dissemination, disposal, collecting, recording,sending,transmitting,communicating, distribution,sharing,sale, storage, retaining, receiving, or protection of"personal data", including, but not limited to: MGL 135610 20 Includes copyrighted material of Insurance Services Office, Inc., Page 1 of 3 with its permission. (a) The Illinois Biometric Information Privacy Act(BIPA); (b) The California Consumer Privacy Act(CCPA); (c) The California Invasion Of Privacy Act(CIPA); (d) The New York Stop Hacks and Improve Electronic Data Security Act(SHIELD Act); (e) The European Union General Data Protection Regulation (GDPR); or (f) Any similar or related federal, state, or local statute, law, rule, ordinance, or regulation; including any amendments thereto. This exclusion applies even if damages are claimed for notification costs,credit monitoring or repair expenses,forensic expenses, public relation expenses, costs associated with the replacement or reissuance of payment cards, fines, penalties, loss of use of property that has not been physically damaged,or any other loss,cost, or expense incurred by you or others arising out of that which is excluded above. However,this exclusion does not apply to liability for damages because of"bodily injury"or physical damage to tangible property of others. For the purpose of this exclusion, electronic data is not tangible property.The insurance afforded by this exception is excess over any other valid and collectible insurance available to the insured,whether primary,excess, contingent, or issued on any other basis. As used in this exclusion, electronic data means information,facts,or programs stored as or on, created or used on, or transmitted to or from computer software, including systems and applications software, hard or floppy disks, CD-ROMs, tapes, drives, cells, data processing devices, or any other media which are used with electronically controlled equipment. B. If this policy contains an endorsement adding an insuring agreement that specifically provides coverage that is excluded in Paragraph A.above,then the exclusion added by this endorsement does not apply to such insuring agreement solely to the extent of the coverage provided by such endorsement. C. The following definitions are added to the Definitions section: "Computer system"means computer hardware,firmware, software, or any components thereof. "Personal data" means information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked to a particular person or household, including, but not limited to: a. Identifiers such as a real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, password, account name, social security number, driver's license or state identification card number, passport number, telephone number, insurance policy number, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information, or other similar identifiers, characteristics, or descriptors; b. Commercial information, including records of personal property, products, or services purchased, obtained, or considered, transactions occurring over a peer-to-peer electronic cash system, or other purchasing or consuming histories or tendencies; c. Biometric data or information (such as a fingerprint, voice print, retina or iris image, or other unique physical representation or digital representation of biometric data); d. Internet or other electronic network activity information, including,but not limited to,browsing history,search history, and information regarding a person's or household's interaction with an internet website, application, or advertisement; e. Geolocation data; f. Audio, electronic, visual, thermal, olfactory, or similar information; g. Professional or employment-related information that is not publicly available; h. Education information, defined as information that is not publicly available personally identifiable information as defined in the Family Educational Rights and Privacy Act (FERPA) (20 U.S.C. section 1232g; 34 CFR Part 99) including any amendments thereto; i. Identifiers set forth in any state or federal consumer protection or privacy statute or law including, but not limited to, the identifiers shown in Paragraphs a.through h.above; or MGL 135610 20 Includes copyrighted material of Insurance Services Office, Inc., Page 2 of 3 with its permission. j. Inferences drawn from any of the identifiers shown in Paragraphs a. through i. above to create a profile about a person or household reflecting such person's or household's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, or aptitudes. All other terms and conditions remain unchanged. MGL 135610 20 Includes copyrighted material of Insurance Services Office, Inc., Page 3 of 3 with its permission. ill MARKEL® HOW TO REPORT A CLAIM How to report a new claim: ➢ Email: newclaims@markel.com D. FAX: (855) 662-7535 (855) 6MARKEL ➢ *Phone: (800) 362-7535 (800) 3MARKEL ➢ Mail: P.O. Box 2009, Glen Allen, VA 23058-2009 Please complete the appropriate ACORD form in detail and include the name and phone number of the contact person at the location of the reported incident. If possible, please attach a copy of the facility incident report. When reporting an auto claim, please identify the unit# on the schedule along with the VIN#. If the loss/claim involves a building or damage to property, please provide the physical address of the property. *Please refer to your specific policy language for new claim reporting requirements. Some policies require you to report all claims in writing only. How to send Supplemental Information /Questions on an existing claim: ➢ Email: markelclaims@markel.com ➢ FAX: (855) 662-7535 (855) 6MARKEL ➢ Phone: (800) 362-7535 (800) 3MARKEL ➢ Mail: P.O. Box 2009, Glen Allen, VA 23058-2009 If you have questions about a claim, please call 1-800-362-7535. Inquiries may also be faxed to 1-855-662-7535. MPIL 1041 02 20 Page 1 of 1 INTERLINE 1111 MARKEL® EVANSTON INSURANCE COMPANY U.S. TREASURY DEPARTMENT'S OFFICE OF FOREIGN ASSETS CONTROL ("OFAC") ADVISORY NOTICE TO POLICYHOLDERS No coverage is provided by this Policyholder Notice nor can it be construed to replace any provisions of your policy. You should read your policy and review your Declarations page for complete information on the coverages you are provided. This Notice provides information concerning possible impact on your insurance coverage due to directives issued by OFAC. Please read this Notice carefully. The Office of Foreign Assets Control (OFAC) administers and enforces sanctions policy, based on Presidential declarations of"national emergency". OFAC has identified and listed numerous: • Foreign agents; • Front organizations; • Terrorists; • Terrorist organizations; and • Narcotics traffickers; as "Specially Designated Nationals and Blocked Persons". This list can be located on the United States Treasury's web site—https://www.treasury.gov/ofac. In accordance with OFAC regulations, if it is determined that you or any other insured, or any person or entity claiming the benefits of this insurance has violated U.S. sanctions law or is a Specially Designated National and Blocked Person, as identified by OFAC, this insurance will be considered a blocked or frozen contract and all provisions of this insurance are immediately subject to OFAC. When an insurance policy is considered to be such a blocked or frozen contract, no payments nor premium refunds may be made without authorization from OFAC. Other limitations on the premiums and payments also apply. MPIL 1083 04 15 Includes copyrighted material of Insurance Services Office, Inc. Page 1 of 1 with its permission. INTERLINE POLICY NUMBER: 3AA637616 MARKEL' EVANSTON INSURANCE COMPANY SCHEDULE OF TAXES, SURCHARGES OR FEES State Description Amount Policy Fee $ 400.00 FL Florida Tax $ 1,196.72 FL FSLSO Fee $ 14.54 TOTAL $ 1,611.26 MDIL 1002 01 10 Page 1 of 1 INTERLINE POLICY NUMBER: 3AA637616 MARKEL® EVANSTON INSURANCE COMPANY FORMS SCHEDULE FORM NUMBER FORM NAME COMMON MJIL 1000 08 10 Policy Jacket(Evanston) MPIL 1007 01 20 Privacy Notice MPIL 1041 02 20 How To Report A Claim MPIL 1083 04 15 U.S. Treasury Department's Office Of Foreign Assets Control (OFAC)Advisory Notice To Policyholders MDIL 1000 08 11 Common Policy Declaration MDIL 1002 01 10 Schedule of Taxes, Surcharges Or Fees MDIL 1001 08 11 Forms Schedule IL 00 17 11 98 Common Policy Conditions IL 00 21 09 08 Nuclear Energy Liability Exclusion Endorsement MEIL 1200 02 20 Service Of Suit MEIL 1225 10 11 Change-Civil Union MIL 1214 09 17 Trade Or Economic Sanctions GENERAL LIABILITY MDGL 1008 08 11 Commercial General Liability Coverage Part Declarations CG 00 01 04 13 Commercial General Liability Coverage Form CG 02 20 03 12 Florida Changes-Cancellation and Nonrenewal CG 03 00 01 96 Deductible Liability Insurance CG 20 01 04 13 Primary And Noncontributory-Other Insurance Condition CG 20 10 04 13 Additional Insured-Owners, Lessees Or Contractors-Scheduled Person Or Organization CG 20 33 12 19 Additional Insured-Owners, Lessees or Contractors-Automatic Status When Required In a Written Construction Agreement With You CG 20 39 12 19 Additional Insured-Owners, Lessees Or Contractors-Automatic Status When Required In A Written Construction Agreement With You CG 21 36 03 05 New Entities Exclusion CG 21 47 12 07 Employment-Related Practices Exclusion CG 21 49 09 99 Total Pollution Exclusion Endorsement CG 21 73 01 15 Exclusion Of Certified Acts Of Terrorism CG 21 86 12 04 Exclusion-Exterior Insulation and Finish Systems CG 22 94 10 01 Exclusion-Damage To Work Performed By Subcontractors On Your Behalf CG 24 26 04 13 Amendment Of Insured Contract Definition CG 24 53 12 19 Waiver of Transfer of Rights of Recovery Against Others to Us(Waiver of Subrogation) -Automatic MEGL 0001 08 20 Combination General Endorsement MEGL 0008 04 20 Exclusion-Continuous or Progressive Injury or Damage MEGL 0103 07 18 Limitation-Contractor Or Subcontractor Management MEGL 0313 02 17 Construction Project(s)-General Aggregate Limit MEGL 1361 05 16 Excl-Tainted Drywall/Gypsum Containing Bldng Materials MDIL 1001 08 11 Page 1 of 2 MEGL 1627 09 21 Exclusion—New Or Existing Residential Work MEGL 1637 10 19 Exclusion-Employer's Liability And Bodily Injury To Contractors, Subcontractors, Or Independent Contractors MEGL 2322 05 21 Exclusion-Communicable Disease MGL 1319 01 16 Exclusion-Unmanned Aircraft MGL 135610 20 Exclusion-Cyber Incident, Data Compromise,And Violation Of Statutes Related To Personal Data MDIL 1001 08 11 Page 2 of 2 INTERLINE IL 00 17 11 98 COMMON POLICY CONDITIONS All Coverage Parts included in this policy are subject to the following conditions. A. Cancellation b. Give you reports on the conditions we find; 1. The first Named Insured shown in the and Declarations may cancel this policy by mailing c. Recommend changes. or delivering to us advance written notice of 2. We are not obligated to make any inspections, cancellation. surveys, reports or recommendations and any 2. We may cancel this policy by mailing or such actions we do undertake relate only to delivering to the first Named Insured written insurability and the premiums to be charged. notice of cancellation at least: We do not make safety inspections. We do not a. 10 days before the effective date of undertake to perform the duty of any person or cancellation if we cancel for nonpayment of organization to provide for the health or safety premium; or of workers or the public.And we do not warrant that conditions: b. 30 days before the effective date of a. Are safe or healthful; or cancellation if we cancel for any other reason. b. Comply with laws, regulations, codes or 3. We will mail or deliver our notice to the first standards. Named Insured's last mailing address known to 3. Paragraphs 1.and 2.of this condition apply not us. only to us, but also to any rating, advisory, rate 4. Notice of cancellation will state the effective service or similar organization which makes date of cancellation. The policy period will end insurance inspections, surveys, reports or on that date. recommendations. 5. If this policy is cancelled, we will send the first 4. Paragraph 2.of this condition does not apply to Named Insured any premium refund due. If we any inspections, surveys, reports or cancel, the refund will be pro rata. If the first recommendations we may make relative to Named Insured cancels, the refund may be certification, under state or municipal statutes, less than pro rata. The cancellation will be ordinances or regulations, of boilers, pressure effective even if we have not made or offered a vessels or elevators. refund. E. Premiums 6. If notice is mailed, proof of mailing will be The first Named Insured shown in the sufficient proof of notice. Declarations: B. Changes 1. Is responsible for the payment of all premiums; This policy contains all the agreements between and you and us concerning the insurance afforded. 2. Will be the payee for any return premiums we The first Named Insured shown in the Declarations pay. is authorized to make changes in the terms of this F. Transfer Of Your Rights And Duties Under This policy with our consent. This policy's terms can be Policy amended or waived only by endorsement issued by us and made a part of this policy. Your rights and duties under this policy may not be C. Examination Of Your Books And Records transferred without our written consent except in the case of death of an individual named insured. We may examine and audit your books and If you die, your rights and duties will be transferred records as they relate to this policy at any time to your legal representative but only while acting during the policy period and up to three years within the scope of duties as your legal afterward. representative. Until your legal representative is D. Inspections And Surveys appointed, anyone having proper temporary 1. We have the right to: custody of your property will have your rights and duties but only with respect to that property. a. Make inspections and surveys at any time; IL 00 17 11 98 Copyright, Insurance Services Office, Inc., 1998 Page 1 of 1 D INTERLINE IL00210908 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT (Broad Form) This endorsement modifies insurance provided under the following: COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY 1. The insurance does not apply: C. Under any Liability Coverage, to "bodily injury" A. Under any Liability Coverage, to "bodily injury" or "property damage" resulting from or"property damage": "hazardous properties"of"nuclear material", if: (1) With respect to which an "insured" under (1) The"nuclear material" (a) is at any"nuclear the policy is also an insured under a facility" owned by, or operated by or on nuclear energy liability policy issued by behalf of, an "insured" or (b) has been Nuclear Energy Liability Insurance discharged or dispersed therefrom; Association, Mutual Atomic Energy Liability (2) The "nuclear material" is contained in Underwriters, Nuclear Insurance "spent fuel" or "waste" at any time Association of Canada or any of their possessed, handled, used, processed, successors, or would be an insured under stored, transported or disposed of, by or on any such policy but for its termination upon behalf of an"insured"; or exhaustion of its limit of liability; or (3) The "bodily injury" or "property damage" (2) Resulting from the "hazardous properties" arises out of the furnishing by an "insured" of "nuclear material" and with respect to of services, materials, parts or equipment in which (a) any person or organization is connection with the planning, construction, required to maintain financial protection maintenance, operation or use of any pursuant to the Atomic Energy Act of 1954, "nuclear facility", but if such facility is or any law amendatory thereof, or (b) the located within the United States of America, "insured" is, or had this policy not been its territories or possessions or Canada, this issued would be, entitled to indemnity from exclusion (3) applies only to "property the United States of America, or any damage" to such "nuclear facility" and any agency thereof, under any agreement property thereat. entered into by the United States of 2. As used in this endorsement: America, or any agency thereof, with any person or organization. "Hazardous properties" includes radioactive, toxic B. Under any Medical Payments coverage, to or explosive properties. expenses incurred with respect to "bodily "Nuclear material" means "source material", injury" resulting from the "hazardous "special nuclear material"or"by-product material". properties"of"nuclear material"and arising out of the operation of a "nuclear facility" by any person or organization. IL 00 21 09 08 ©ISO Properties, Inc., 2007 Page 1 of 2 0 "Source material", "special nuclear material", and (c) Any equipment or device used for the "by-product material" have the meanings given processing, fabricating or alloying of them in the Atomic Energy Act of 1954 or in any "special nuclear material" if at any time the law amendatory thereof. total amount of such material in the custody "Spent fuel" means any fuel element or fuel of the"insured"at the premises where such component, solid or liquid, which has been used or equipment or device is located consists of exposed to radiation in a"nuclear reactor". or contains more than 25 grams of plutonium or uranium 233 or any "Waste" means any waste material (a) containing combination thereof, or more than 250 "by-product material" other than the tailings or grams of uranium 235; wastes produced by the extraction or concentration of uranium or thorium from any ore (d) Any structure, basin, excavation, premises processed primarily for its "source material" or place prepared or used for the storage or content, and (b) resulting from the operation by disposal of"waste"; any person or organization of any"nuclear facility" and includes the site on which any of the foregoing included under the first two paragraphs of the is located, all operations conducted on such site definition of"nuclear facility". and all premises used for such operations. "Nuclear facility"means: "Nuclear reactor" means any apparatus designed (a) Any"nuclear reactor"; or used to sustain nuclear fission in a self- supporting chain reaction or to contain a critical (b) Any equipment or device designed or used mass of fissionable material. for(1)separating the isotopes of uranium or "Property damage" includes all forms of plutonium, (2) processing or utilizing "spent radioactive contamination of property. fuel", or (3) handling, processing or packaging"waste"; Page 2 of 2 ©ISO Properties, Inc., 2007 IL 00 21 09 08 CI MARKEL° Evanston Insurance Company THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SERVICE OF SUIT Except with respect to any policy issued in any state in which the Insurer is licensed as an admitted insurer to transact business, it is agreed that in the event of the failure of the Company to pay any amount claimed to be due hereunder, the Company, at the request of the Named Insured, will submit to the jurisdiction of a court of competent jurisdiction within the United States and will comply with all requirements necessary to give such court jurisdiction and all matters arising hereunder shall be determined in accordance with the law and practice of such court. Nothing in this clause constitutes or should be understood to constitute a waiver of the Company's rights to commence an action in any court of competent jurisdiction in the United States, to remove an action to a United States District Court or to seek a transfer of a case to another court as permitted by the laws of the United States or of any state in the United States. It is further agreed that service of process in such suit may be made upon Secretary, Legal Department, Markel Service, Incorporated, 10275 West Higgins Road, Suite 750, Rosemont, Illinois 60018, and that in any suit instituted against the Company upon this policy, the Company will abide by the final decision of such Court or of any Appellate Court in the event of an appeal. Further, pursuant to any statute of any state, territory or district of the United States which makes provision therefor, the Company hereby designates the Superintendent, Commissioner or Director of Insurance or other official specified for that purpose in the statute, or his/her successor or successors in office, as its true and lawful attorney upon whom may be served any lawful process in any action, suit or proceeding instituted by or on behalf of the Named Insured or any beneficiary hereunder arising out of this policy, and hereby designates the above-named as the person to whom the said officer is authorized to mail such process or a true copy thereof. MEIL 1200 02 20 Page 1 of 1 INTERLINE 111 MAC® EVANSTON INSURANCE COMPANY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CHANGES - CIVIL UNION All references to"spouse"or"family member" in any Coverage Part or policy form made part of this insurance shall include a party to a civil union or domestic partnership law recognized under any applicable statute. All other terms and conditions remain unchanged. MEIL 1225 10 11 Page 1 of 1 MARKEL® EVANSTON INSURANCE COMPANY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. TRADE OR ECONOMIC SANCTIONS The following is added to this policy: Trade Or Economic Sanctions This insurance does not provide any coverage, and we (the Company) shall not make payment of any claim or provide any benefit hereunder, to the extent that the provision of such coverage, payment of such claim or provision of such benefit would expose us (the Company) to a violation of any applicable trade or economic sanctions, laws or regulations, including but not limited to, those administered and enforced by the United States Treasury Department's Office of Foreign Assets Control(OFAC). All other terms and conditions remain unchanged. MIL 1214 09 17 Page 1 of 1