THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

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1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. VIRGINIA BUILDING CLEANING AND MAINTENANCE CONTRACTORS GENERAL LIABILITY BROAD FORM ENDORSEMENT ABCDEFGHIJ This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART Lost Key Occurrence Limit SCHEDULE PART I Coverage Limit Of Liability Deductible Premium Property In Your Care, Custody Or Control Occurrence Limit Included in Each Occurrence Limit Theft Of Customer Property Aggregate Limit INDEX SUBJECT Page PART I 2 A. Lost Key Coverage 2 B. Property In Your Care, Custody Or Control Coverage 2 C. Theft Of Customer Property Coverage (Legal Liability) 2 D. Employees And Volunteer Workers As Insureds 3 E. Deductible Liability Insurance 3 F. Limits Of Insurance 3 PART II 4 Employee Benefits Liability Coverage 4 Form HC Page 1 of , The Hartford (Includes copyrighted material of Insurance Services Office with its permission.)

2 PART I c. Exclusion j.(5) does not apply to that particular part of real property on which you or any A. LOST KEY COVERAGE contractors or subcontractors working directly or indirectly on your behalf are performing 1. Changes In The Property Damage Exclusion building cleaning or maintenance services, if (Exclusion j.) the "property damage" arises out of such With respect to "property damage" arising out of operations; or your building cleaning maintenance services d. Exclusion j.(6) does not apply to that particular operations, the following exception is added to part of any property that must be restored, Exclusion j. of Paragraph 2. Exclusions of repaired or replaced because "your work" Section I - Coverage A Bodily Injury And related to your building cleaning or Property Damage Liability: maintenance services was incorrectly performed on it. Subparagraphs (3) (4) of Exclusion j. of Paragraph 2. Exclusions of Section I - 2. Additional Exclusions Coverage A Bodily Injury And Property With respect to the insurance provided by this Damage Liability do not apply to the legal provision, the following exclusions apply: liability of any insured for the loss of a customer's This insurance does not apply to: keys in the course of your building cleaning or maintenance services. a. Lost Keys The additional insurance provided by this "Property damage" arising out of the loss of provision applies only to: customer's keys. a. The actual cost of the keys that are lost; b. Theft b. The cost to adjust locks to accept new keys; "Property damage" arising out of the theft of your customer's property. c. The cost of new locks, including the cost of C. THEFT OF CUSTOMER PROPERTY COVERAGE their installation. (LEGAL LIABILITY) 2. Theft By An Insured Exclusion 1. Changes In Definition Of Property Damage With respect to the insurance provided by this With respect to your legal liability for the theft of provision, this insurance does not apply to theft the tangible property of the customers of your committed by, or aided or abetted by, any building cleaning or maintenance services insured. operations, the definition of "property damage" in the Definitions Section is replaced by the B. PROPERTY IN YOUR CARE, CUSTODY OR following: CONTROL COVERAGE "Property Damage" means: 1. Changes In The Property Damage Exclusion Theft of tangible property of your customers, (Exclusion j.) including all resulting loss of use of that property. With respect to "property damage" arising out of All such loss of use shall be deemed to occur at your building cleaning maintenance services the time of the "occurrence" that caused it. operations, the following exceptions are added to As used in this definition, theft includes burglary, Exclusion j. of Paragraph 2. Exclusions of robbery mysterious disappearance. For the Section I - Coverage A Bodily Injury And purposes of this insurance, "property damage" Property Damage Liability: that is theft shall be deemed to be caused by an a. Exclusion j.(3) does not apply to property "occurrence". loaned to you, but only while being used in the 2. Additional Exclusions performance of your building cleaning or maintenance services; With respect to the insurance afforded by this provision, the following exclusions apply: b. Exclusion j.(4) does not apply to personal property in the care, custody or control of the This insurance does not apply to: insured, but only when such insured is acting a. Lost Keys within the scope of performing your building "Property damage" arising out of the theft of cleaning or maintenance services; customer's keys. Page 2 of 6 Form HC

3 b. Care, Custody Or Control c. We may pay any part or all of the deductible "Property damage" to personal property in the amount to effect settlement of any claim or care, custody or control of, or over which "suit", upon notification of the action physical control is being exercised for any taken, you shall promptly reimburse us for purpose by an insured or by "employees" or such part of the deductible amount as has "volunteer workers" of an insured. been paid by us. c. Theft By An Insured F. LIMITS OF INSURANCE "Property damage" arising out of theft 1. The Most We Will Pay committed by, or aided or abetted by, any The Limits of Insurance shown in the Schedule of insured. this endorsement in the Declarations the D. EMPLOYEES AND VOLUNTEER WORKERS AS rules below fix the most we will pay regardless of INSUREDS the number of: Paragraph 2.a.(2) of Section II Who Is An a. Insureds; Insured is amended to allow insured status for your b. Claims made or "suits" brought; or "employees" "volunteer workers", but only with c. Persons or organizations making claims or respect to the insurance provided under the following bringing "suits". provisions of Part I of this endorsement: 2. Lost Key Occurrence Limit 1. Provision A. Lost Key Coverage; or The Lost Key Occurrence Limit shown in the 2. Provision B. Property In Your Care, Custody Or Schedule of this endorsement is the most we will Control Coverage. pay for the sum of damages under Provision A. E. DEDUCTIBLE LIABILITY INSURANCE Lost Key Coverage because of "property damage" arising out of any one "occurrence". 1. Our obligation under The Lost Key Occurrence Limit: a. Provision A. Lost Key Coverage; a. Is subject to the General Aggregate Limit b. Provision B. Property In Your Care Custody described in Paragraph 2. General Aggregate Or Control Coverage; c. Provision C. Theft Of Customer Property Coverage (Legal Liability) Limit of Section III Limits Of Insurance; b. Is not subject to the Each Occurrence Limit to pay damages on your behalf applies only to the described in Paragraph 5. Each Occurrence amount of damages in excess of any deductible Limit of Section III Limits Of Insurance. amounts shown in the Schedule of this 3. Property In Your Care, Custody Or Control endorsement as applicable to such coverages. Occurrence Limit 2. The Limits of Insurance applicable to "each The Property In Your Care Custody Or Control occurrence" or "aggregate" for such coverages Occurrence Limit shown in the schedule of this are not reduced by the amount of such endorsement is the most we will pay for the sum deductible. of all damages under Provision B. Property In 3. The deductible amounts stated in the Schedule Your Care, Custody Or Control Coverage of this endorsement apply as follows: because of "property damage" arising out of any a. Under the Property Damage Liability one "occurrence". Coverage the deductible amounts apply to all damages because of "property damage" as the The Property In Your Care Custody Or Control result of any one "occurrence" regardless of Occurrence Limit: the number of persons or organizations who a. Is subject to Paragraph 2. General Aggregate sustain damages because of that Limit of Section III Limits Of Insurance; "occurrence". b. The terms of this insurance, including those b. Is subject to Paragraph 5. Each Occurrence with respect to: Limit of Section III Limits Of Insurance. (1) Our right duty to defend any "suits" seeking those damages; (2) Your duties in the event of an "occurrence", claim, or "suit" apply irrespective of the application of the deductible amount. Form HC Page 3 of 6

4 4. Theft Of Customer Property Aggregate Limit 2. Exclusions The Theft Of Customer Property Aggregate Limit This Part II, Employee Benefits Liability, does not shown in the Schedule of this endorsement is the apply to: most we will pay for the sum of all damages a. Dishonest, Fraudulent, Criminal Or Malicious under Theft Of Customer Property Coverage Act (Legal Liability). Damages arising out of any intentional, dishonest, The Theft Of Customer Property Aggregate Limit fraudulent, criminal or malicious act, error or is not subject to either: omission, committed by any insured, including the a. Paragraph 2. General Aggregate Limit of willful or reckless violation of any statute. Section III Limits Of Insurance; or b. Bodily Injury, Property Damage Or Personal b. Paragraph 5. Occurrence Limit of Section III And Advertising Injury Limits Of Insurance. "Bodily injury", "property damage" or "personal advertising injury". PART II - EMPLOYEE BENEFITS LIABILITY c. Failure To Perform A Contract Damages arising out of failure of performance of contract by any insurer. d. Insufficiency Of Funds Section I - Coverage A is amended to add Employee Damages arising out of an insufficiency of funds Benefits Liability as follows: to meet any obligations under any plan included in the "employee benefit program". SECTION I - COVERAGES e. Inadequacy Of Performance Of COVERAGE A. - EMPLOYEE BENEFITS LIABILITY Investment/Advice Given With Respect To 1. Insuring Agreement Participation a. We will pay those sums that the insured becomes Any "claim" based upon: legally obligated to pay as damages because of (1) Failure of any investment to perform; "employee benefits injury" to which this insurance (2) Errors in providing information on past applies. No other obligation or liability to pay performance of investment vehicles; or sums or perform acts or services is covered (3) Advice given to any person with respect to that unless explicitly provided under Supplementary person's decision to participate or not Payments - Coverages A And B. participate in any plan included in the We will have the right duty to defend any "employee benefit program". "claim" or "suit" seeking such damages. But f. Workers' Compensation And Similar Laws (1) The amount we will pay for damages is limited Any "claim" arising out of your failure to comply as described in Section III - Limits Of with the matory provisions of any workers' Insurance; compensation, unemployment compensation (2) We may, at our discretion, investigate any insurance, social security or disability benefits law alleged act, error or omission settle any or any similar law. "claim" or "suit" that may result; g. ERISA (3) Our right duty to defend end when we Damages for which any insured is liable because have used up the applicable limit of insurance of liability imposed on a fiduciary by the in the payment of judgments or settlements Employee Retirement Income Security Act of under this coverage. This applies both to 1974, as now or hereafter amended, or by any "claims" "suits" pending at that time to similar federal, state or local laws. those filed thereafter. h. Available Benefits b. This insurance applies to "employee benefits injury" if: Any "claim" for benefits to the extent that such benefits are available, with reasonable effort (1) The negligent act, error or omission takes cooperation of the insured, from the applicable place in the "coverage territory"; funds accrued or other collectible insurance. (2) The negligent act, error or omission occurs during the policy period. Page 4 of 6 Form HC

5 i. Taxes, Fines Or Penalties The Employee Benefits Liability Aggregate Limit will Taxes, fines or penalties, including those imposed be equal to the General Aggregate Limit shown in the under the Internal Revenue Code or any similar Declarations, is the most we will pay for all state or local law. damages because of acts, errors or omissions negligently committed in the "administration" of your j. Employment Related Practices "employee benefit program". Damages arising out of wrongful termination of employment, discrimination, or other 3. Each Claim Limit "employment-related practices". Subject to 2. above the Each Claim Limit is the most 3. Supplementary Payments we will pay for all damages with respect to any one "claim". The Supplementary Payments - Coverages A The Employee Benefits Liability Each Claim Limit And B apply to this Part II - Employee Benefits will be equal to the Each Occurrence Limit shown in Liability. the Declarations, is the most we will pay for all SECTION II - WHO IS AN INSURED damages as a result of: Section II - Who Is An Insured applies except as a. An act, error or omission; or changed in this Part II - Employee Benefits Liability : b. A series of related acts, errors or omissions 1. Any organization you newly acquire or form, other negligently committed in the "administration" of your than a partnership, joint venture or limited liability "employee benefit program". company, over which you maintain ownership or However, the amount paid under this endorsement majority interest, will qualify as an insured if there is shall not exceed, will be subject to, the limits no other similar insurance available to that restrictions that apply to the payment of benefits in organization. However, any plan included in the "employee benefit program". a. Coverage under this Part II - Employee Benefits The limits of this Part II - Employee Benefits Liability, is afforded only until the 180th day after Liability, apply separately to each consecutive you acquire or form the organization or the end of annual period to any remaining period of less the policy period, whichever is earlier; than 12 months, starting with the beginning of the b. Coverage under this Part II - Employee policy period shown in the Declarations, unless the Benefits Liability, does not apply to "employee policy period is extended after issuance for an benefits injury" that occurred before you additional period of less than 12 months. In that case acquired or formed the organization. the additional period will be deemed part of the last preceding period for the purpose of determining the No person or organization is an insured with respect Limits of Insurance. to the conduct of any current or past partnership, joint venture or limited liability company that is not SECTION IV - CONDITIONS shown as a named Insured in the Declarations. The Commercial General Liability Conditions apply SECTION III - LIMITS OF INSURANCE except where changed in this Part II - Employee Benefits Liability. 1. The Most We Will Pay 1. Duties In the Event of Occurrence, Offense, Claim or The Limits of Insurance shown in the Declarations Suit is replaced with the following: the rules below determine the most we will pay Duties In The Event Of Employee Benefits Injury, regardless of the number of: Claim Or Suit a. Insureds; a. Notice Of An Event b. "Claims" made or "suits" brought; You must see to it that we are notified as soon as c. Persons or organizations making "claims" or practicable of an "employee benefits injury" which bringing "suits"; may result in a "claim". To the extent possible, d. Acts, errors or omissions; or notice should include: e. Benefits included in your "employee benefit (1) How, when where the "employee benefits program". injury" took place; 2. Employee Benefits Liability Aggregate Limit (2) The names addresses of any injured persons witnesses. The Employee Benefits Liability Aggregate Limit is the most we will pay for all damages to which this insurance applies. Form HC Page 5 of 6

6 b. Notice Of A Claim 3. "Claim" means any dem, or "suit", made by an If a written "claim" is made or "suit" is brought "employee", or an "employee's" dependents against any insured, you must see to it that we beneficiaries, for damages as the result of an act, receive prompt written notice of the "claim" or error or omission. "suit". 4. "Employee" means a person actively employed, c. Assistance And Cooperation Of The Insured formerly employed, on leave of absence or disabled, You any other involved insured must: or retired. "Employee" includes a "leased worker". "Employee" does not include a "temporary worker". (1) Immediately send us copies of any dems, notices, summons or legal papers received in connection with the "claim" or "suit". (2) Authorize us to obtain records other information; (3) Cooperate with us in the investigation, settlement or defense of the "claim" or "suit"; 5. "Employee benefits injury" means injury that arises out of any negligent act, error or omission in the "administration" of your "employee benefits programs". 6. "Employee benefit program" means a program providing some or all of the following benefits to "employees", whether provided through a "cafeteria plan" or otherwise: (4) Assist us, upon our request, in the enforcement of any right against any person or a. Group life insurance, group accident or health organization which may be liable to the insurance, dental, vision hearing plans; insured because of "employee benefits injury" flexible spending accounts; provided that no one to which this insurance may also apply. other than an "employee" may subscribe to such d. Obligations At The Insured's Own Cost benefits such benefits are made generally available to those "employees" who satisfy the No insureds will, except at their own cost, plan's eligibility requirements; voluntarily incur any expense, other than for first aid, without our consent. SECTION V - DEFINITIONS The Commercial General Liability definitions apply except where changed in this Part II - Employee Benefits Liability. As used in this Part II - Employee Benefits Liability : 1. "Administration" means: a. Providing information to "employees", including their dependents beneficiaries, with respect to eligibility for or scope of "employee benefit programs"; b. Hling records in connection with your "employee benefit programs"; or c. Effecting, continuing or terminating any "employee's" participation in any benefit included in the "employee benefit program". However, "administration" does not include hling payroll deductions. 2. "Cafeteria plans" means plans authorized by applicable law to allow "employees" to elect to pay for certain benefits with pre-tax dollars. b. Profit sharing plans, employee savings plans, employee stock ownership plans, pension plans stock subscription plans, provided that no one other than an "employee" may subscribe to such benefits such benefits are made generally available to all "employees" who are eligible under the plan for such benefits; c. Unemployment insurance, social security benefits, workers' compensation disability benefits; d. Vacation plans, including buy sell programs; leave of absence programs, including military, maternity, family, civil leave; tuition assistance plans; transportation health club subsidies. 7. "Suit" means a civil proceeding in which damages because of "employee benefits injury" to which this insurance applies are alleged. "Suit" includes: a. An arbitration proceeding in which the insured must submit or do submit with our consent; or b. Any other alternative dispute resolution proceeding in which such damages are claimed to which the insured submit with our consent. Page 6 of 6 Form HC

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