COMMERCIAL GENERAL LIABILITY COVERAGE FORM

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1 ABCDEFGHIJ COMMERCIAL GENERAL LIABILITY COVERAGE FORM THIS IS A CLAIMS MADE COVERAGE PART. PLEASE READ ALL PROVISIONS AND CONTACT YOUR AGENT IF YOU HAVE QUESTIONS. YOUR COVERAGE PART APPLIES ONLY TO BODILY INJURY, PROPERTY DAMAGE, OR PERSONAL AND ADVERTISING INJURY THAT OCCURS BETWEEN THE RETROACTIVE DATE AND THE END OF THE POLICY PERIOD. YOUR POLICY APPLIES ONLY TO CLAIMS FIRST MADE AGAINST THE INSURED AND REPORTED TO US AFTER THE INCEPTION DATE AND BEFORE THE END OF THE POLICY PERIOD OR ANY APPLICABLE EXTENDED REPORTING PERIOD. Various provisions in this policy restrict coverage. Read No other obligation or liability to pay sums or the entire policy carefully to determine rights, duties and perform acts or services is covered unless explicitly what is and is not covered. provided for under Supplementary Payments Throughout this policy the words "you" and "your" refer to Coverages A and B. the Named Insured shown in the Declarations, and any b. This insurance applies to "bodily injury" and other person or organization qualifying as a Named "property damage" only if: Insured under this policy. The words "we", "us" and "our" (1) The "bodily injury" or "property damage" is refer to the stock insurance company member of The caused by an "occurrence" that takes place in Hartford providing this insurance. the "coverage territory"; The word "insured" means any person or organization (2) The "bodily injury" or "property damage" did not qualifying as such under Section II Who Is An Insured. occur before the Retroactive Date, if any, shown Other words and phrases that appear in quotation marks in the Declarations or after the end of the policy have special meaning. Refer to Section VI Definitions. period; and SECTION I COVERAGES (3) A claim for damages because of the "bodily COVERAGE A BODILY INJURY AND PROPERTY injury" or "property damage" is first made DAMAGE LIABILITY against any insured, in accordance with Paragraph c. below, during the policy period or 1. Insuring Agreement any Extended Reporting Period we provide a. We will pay those sums that the insured becomes under Section V Extended Reporting Periods. legally obligated to pay as damages because of c. A claim by a person or organization seeking "bodily injury" or "property damage" to which this damages will be deemed to have been made at the insurance applies. We will have the right and duty earlier of the following times: to defend the insured against any "suit" seeking (1) When notice of such claim is received and those damages. However, we will have no duty to recorded by any insured or by us, whichever defend the insured against any "suit" seeking comes first; or damages for "bodily injury" or "property damage" to (2) When we make settlement in accordance with which this insurance does not apply. We may, at Paragraph 1.a. above. our discretion, investigate any "occurrence" and settle any claim or "suit" that may result. But: All claims for damages because of "bodily injury" to the same person, including damages claimed by (1) The amount we will pay for damages is limited any person or organization for care, loss of services as described in Section III Limits Of or death resulting at any time from the "bodily Insurance; and injury", will be deemed to have been made at the (2) Our right and duty to defend ends when we time the first of those claims is made against any have used up the applicable limit of insurance in insured. the payment of judgments or settlements under All claims for damages because of "property Coverages A or B or medical expenses under damage" causing loss to the same person or Coverage C. organization will be deemed to have been made at the time the first of those claims is made against any insured. HG The Harford Page 1 of 20 (Includes copyrighted material of Insurance Services Office, Inc., with its permission.)

2 e. Incidental Medical Malpractice c. Liquor Liability (1) "Bodily injury" arising out of the rendering of or "Bodily injury" or "property damage" for which any failure to render professional health care insured may be held liable by reason of: services as a physician, dentist, nurse, (1) Causing or contributing to the intoxication of any emergency medical technician or paramedic person; shall be deemed to be caused by an "occurrence", but only if: (2) The furnishing of alcoholic beverages to a person under the legal drinking age or under the (a) The physician, dentist, nurse, emergency influence of alcohol; or medical technician or paramedic is employed by you to provide such services; (3) Any statute, ordinance or regulation relating to and the sale, gift, distribution or use of alcoholic beverages. (b) You are not engaged in the business or occupation of providing such services. This exclusion applies only if you are in the business of manufacturing, distributing, selling, (2) For the purpose of determining the limits of serving or furnishing alcoholic beverages. insurance for incidental medical malpractice, any act or omission together with all related acts d. Workers' Compensation And Similar Laws or omissions in the furnishing of these services Any obligation of the insured under a workers' to any one person will be considered one compensation, disability benefits or unemployment "occurrence". compensation law or any similar law. 2. Exclusions e. Employer's Liability This insurance does not apply to: "Bodily injury" to: a. Expected Or Intended Injury (1) An "employee" of the insured arising out of and "Bodily injury" or "property damage" expected or in the course of: intended from the standpoint of the insured. This (a) Employment by the insured; or exclusion does not apply to "bodily injury" or (b) Performing duties related to the conduct of "property damage" resulting from the use of the insured's business; or reasonable force to protect persons or property. (2) The spouse, child, parent, brother or sister of b. Contractual Liability that "employee" as a consequence of "Bodily injury" or "property damage" for which the Paragraph (1) above. insured is obligated to pay damages by reason of This exclusion applies: the assumption of liability in a contract or agreement. This exclusion does not apply to liability (1) Whether the insured may be liable for damages: employer or in any other capacity; and as an (1) That the insured would have in the absence of (2) To any obligation to share damages with or the contract or agreement; or repay someone else who must pay damages because of the injury. (2) Assumed in a contract or agreement that is an "insured contract", provided the "bodily injury" or This exclusion does not apply to liability assumed "property damage" occurs subsequent to the by the insured under an "insured contract". execution of the contract or agreement. Solely f. Pollution for the purposes of liability assumed in an (1) "Bodily injury" or "property damage" arising out "insured contract", reasonable attorney fees and of the actual, alleged or threatened discharge, necessary litigation expenses incurred by or for dispersal, seepage, migration, release or a party other than an insured are deemed to be escape of "pollutants": damages because of "bodily injury" or "property damage", provided: (a) At or from any premises, site or location which is or was at any time owned or (a) Liability to such party for, or for the cost of, occupied by, or rented or loaned to, any that party's defense has also been assumed insured. However, this subparagraph does in the same "insured contract"; and (b) Such attorney fees and litigation expenses are for defense of that party against a ci vil or alternative dispute resolution proceeding in which damages to which this insurance applies are alleged. not apply to: Page 2 of 20 HG

3 (i) "Bodily injury" if sustained within a the intentional discharge, dispersal or building and caused by smoke, fumes, release of the fuels, lubricants or other vapor or soot produced by or originating operating fluids, or if such fuels, from equipment that is used to heat, cool lubricants or other operating fluids are or dehumidify the building, or equipment brought on or to the premises, site or that is used to heat water for personal location with the intent that they be use, by the building's occupants or their discharged, dispersed or released as part guests; of the operations being performed by (ii) "Bodily injury" or "property damage" for such insured, contractor or which you may be held liable, if you are a subcontractor; contractor and the owner or lessee of (ii) "Bodily injury" or "property damage" such premises, site or location has been sustained within a building and caused added to your policy as an additional by the release of gases, fumes or vapors insured with respect to your ongoing from materials brought into that building operations performed for that additional in connection with operations being insured at that premises, site or location performed by you or on your behalf by a and such premises, site or location is not contractor or subcontractor; or and never was owned or occupied by, or (iii) "Bodily injury" or "property damage" rented or loaned to, any insured, other arising out of heat, smoke or fumes from than that additional insured; or a "hostile fire"; or (iii) "Bodily injury" or "property damage" (e) At or from any premises, site or location on arising out of heat, smoke or fumes from which any insured or any contractors or a "hostile fire"; subcontractors working directly or indirectly (b) At or from any premises, site or location on any insured's behalf are performing which is or was at any time used by or for operations if the operations are to test for, any insured or others for the handling, monitor, clean up, remove, contain, treat, storage, disposal, processing or treatment of detoxify or neutralize, or in any way respond waste; to, or assess the effects of, "pollutants". (c) Which are or were at any time transported, (2) Any loss, cost or expense arising out of any: handled, stored, treated, disposed of, or (a) Request, demand, order or statutory or processed as waste by or for: regulatory requirement that any insured or (i) Any insured; or others test for, monitor, clean up, remove, (ii) Any person or organization for whom you contain, treat, detoxify or neutralize, or in may be legally responsible; any way respond to, or assess the effects of, "pollutants"; or (d) At or from any premises, site or location on which any insured or any contractors or (b) Claim or suit by or on behalf of a subcontractors working directly or indirectly governmental authority for damages on any insured's behalf are performing because of testing for, monitoring, cleaning operations if the "pollutants" are brought on up, removing, containing, treating, or to the premises, site or location in detoxifying or neutralizing, or in any way connection with such operations by such responding to, or assessing the effects of, insured, contractor or subcontractor. "pollutants". However, this subparagraph does not apply However, this paragraph does not apply to to: liability for damages because of "property (i) "Bodily injury" or "property damage" damage" that the insured would have in the arising out of the escape of fuels, absence of such request, demand, order or lubricants or other operating fluids which statutory or regulatory requirement, or such are needed to perform the normal claim or "suit" by or on behalf of a governmental electrical, hydraulic or mechanical authority. functions necessary for the operation of g. Aircraft, Auto Or Watercraft "mobile equipment" or its parts, if such "Bodily injury" or "property damage" arising out of fuels, lubricants or other operating fluids the ownership, maintenance, use or entrustment to escape from a vehicle part designed to others of any aircraft, "auto" or watercraft owned or hold, store or receive them. This operated by or rented or loaned to any insured. Use exception does not apply if the "bodily includes operation and "loading or unloading". injury" or "property damage" arises out of HG Page 3 of 20

4 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 aircraft, "auto" or watercraft that is owned or operated by or rented or loaned to any insured. (3) Insurrection, rebellion, revolution, usurped power, or action taken by governmental authority in hindering or defending against any of these. j. Damage To Property "Property damage" to: (1) Property you own, rent, or occupy, including any costs or expenses incurred by you, or any other person, organization or entity, for repair, This exclusion does not apply to: replacement, enhancement, restoration or (1) A watercraft while ashore on premises you own maintenance of such property for any reason, or rent; (2) A watercraft you do not own that is: (a) Less than 51 feet long; and (b) Not being used to carry persons for a charge; (3) Parking an "auto" on, or on the ways next to, premises you own or rent, provided the "auto" is not owned by or rented or loaned to you or the insured; (4) Liability assumed under any "insured contract" for the ownership, maintenance or use of aircraft or watercraft; (5) "Bodily injury" or "property damage" arising out of the operation of any of the equipment listed in Paragraph f.(2) or f.(3) of the definition of "mobile equipment"; or (6) An aircraft that is not owned by any insured and is hired, chartered or loaned with a paid crew. However, this exception does not apply if the insured has any other insurance for such "bodily injury" or "property damage", whether the other insurance is primary, excess, contingent or on any other basis. h. Mobile Equipment "Bodily injury" or "property damage" arising out of: (1) The transportation of "mobile equipment" by an "auto" owned or operated by or rented or loaned to any insured; or (2) The use of "mobile equipment" in, or while in practice for, or while being prepared for, any prearranged racing, speed, demolition, or stunting activity. including prevention of injury to a person or damage to another's property; (2) Premises you sell, give away or abandon, if the "property damage" arises out of any part of those premises; (3) Property loaned to you; (4) Personal property in the care, custody or control of the insured; (5) That particular part of real property on which you or any contractors or subcontractors working directly or indirectly on your behalf are performing operations, if the "property damage" arises out of those operations; or (6) That particular part of any property that must be restored, repaired or replaced because "your work" was incorrectly performed on it. Paragraphs (1), (3) and (4) of this exclusion do not apply to "property damage" (other than damage by fire) to premises, including the contents of such premises, rented to you for a period of 7 or fewer consecutive days. A separate limit of insurance applies to Damage To Premises Rented To You as described in Section III Limits Of Insurance. Paragraph (2) of this exclusion does not apply if the premises are "your work" and were never occupied, rented or held for rental by you. Paragraphs (3) and (4) of this exclusion do not apply to property damage arising from the use of elevators. Paragraphs (3), (4), (5) and (6) of this exclusion do not apply to liability assumed under a sidetrack agreement. Paragraphs (3) and (4) of this exclusion do not i. War apply to "property damage" to borrowed equipment "Bodily injury" or "property damage", however while not being used to perform operations at the caused, arising, directly or indirectly, out of: job site. (1) War, including undeclared or civil war; Paragraph (6) of this exclusion does not apply to (2) Warlike action by a military force, including "property damage" included in the "products- action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or completed operations hazard". k. Damage To Your Product "Property damage" to "your product" arising out of it or any part of it. Page 4 of 20 HG

5 l. Damage To Your Work q. Employment-Related Practices "Property damage" to "your work" arising out of it or "Bodily injury" to: any part of it and included in the "products- (1) A person arising out completed operations hazard". related practices"; or of any "employment This exclusion does not apply if the damaged work (2) The spouse, child, parent, brother or sister of or the work out of which the damage arises was that person as a consequence of "bodily injury" performed on your behalf by a subcontractor. to that person at whom any "employmentm. Damage To Impaired Property Or Property Not related practices" are directed. Physically Injured This exclusion applies: "Property damage" to "impaired property" or (1) Whether the insured may be liable as an property that has not been physically injured, employer or in any other capacity; and arising out of: (2) To any obligation to share damages with or (1) A defect, deficiency, inadequacy or dangerous repay someone else who must pay damages condition in "your product" or "your work"; or because of the injury. (2) A delay or failure by you or anyone acting on r. Asbestos your behalf to perform a contract or agreement in accordance with its terms. (1) "Bodily injury" or "property damage" arising out This exclusion does not apply to the loss of use of of the "asbestos hazard". other property arising out of sudden and accidental (2) Any damages, judgments, settlements, loss, physical injury to "your product" or "your work" after costs or expenses that: it has been put to its intended use. (a) May be awarded or incurred by reason of n. Recall Of Products, Work Or Impaired any claim or suit alleging actual or Property threatened injury or damage of any nature or kind to persons or property which would not Damages claimed for any loss, cost or expense have occurred in whole or in part but for the incurred by you or others for the loss of use, "asbestos hazard"; withdrawal, recall, inspection, repair, replacement, adjustment, removal or disposal of: (b) Arise out of any request, demand, order or statutory or regulatory requirement that any (1) "Your product"; insured or others test for, monitor, clean up, (2) "Your work"; or remove, encapsulate, contain, treat, detoxify (3) "Impaired property"; or neutralize or in any way respond to or assess the effects of an "asbestos hazard"; if such product, work, or property is withdrawn or or recalled from the market or from use by any person (c) Arise out of any claim or suit for damages or organization because of a known or suspected because of testing for, monitoring, cleaning defect, deficiency, inadequacy or dangerous up, removing, encapsulating, containing, condition in it. treating, detoxifying or neutralizing or in any o. Personal And Advertising Injury way responding to or assessing the effects of an "asbestos hazard". "Bodily injury" arising out of "personal and advertising injury". Damage To Premises Rented To You Exception For Damage By Fire, Lightning Or Explosion p. Electronic Data Exclusions c. through h. and j. through n. do not apply Damages arising out of the loss of, loss of use of, to damage by fire, lightning or explosion to premises damage to, corruption of, inability to access, or while rented to you or temporarily occupied by you with inability to manipulate electronic data. permission of the owner. A separate limit of insurance As used in this exclusion, electronic data means applies to this coverage as described in Section III information, facts or programs stored as or on, Limits Of Insurance. 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. HG Page 5 of 20

6 COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY 1. Insuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as damages because of "personal and advertising injury" to which this insurance applies. We will have the right and duty to defend the insured against any "suit" seeking those damages. However, we will have no duty to defend the insured against any "suit" seeking damages for "personal and advertising injury" to which this insurance does not apply. We may, at our discretion, investigate any offense and settle any claim or "suit" that may result. But: 2. Exclusions This insurance does not apply to: a. Knowing Violation Of Rights Of Another "Personal and advertising injury" arising out of an offense committed by, at the direction or with the consent or acquiescence of the insured with the expectation of inflicting "personal and advertising injury". b. Material Published With Knowledge Of Falsity "Personal and advertising injury" arising out of oral, written or electronic publication of material, if done by or at the direction of the insured with knowledge of its falsity. (1) The amount we will pay for damages is limited c. Material Published Prior To Policy Period as described in Section III Limits Of "Personal and advertising injury" arising out of oral, Insurance; and written or electronic publication of material whose (2) Our right and duty to defend end when we have first publication took place before the beginning of used up the applicable limit of insurance in the the policy period. payment of judgments or settlements under d. Criminal Acts Coverages A or B or medical expenses under Coverage C. "Personal and advertising injury" arising out of a criminal act committed by or at the direction of the No other obligation or liability to pay sums or insured. perform acts or services is covered unless explicitly provided for under Supplementary Payments e. Contractual Liability Coverages A and B. "Personal and advertising injury" for which the b. This insurance applies to "personal and advertising insured has assumed liability in a contract or injury" caused by an offense arising out of your agreement. This exclusion does not apply to liability business but only if: for damages that the insured would have in the (1) The offense was committed in the "coverage absence of the contract or agreement. territory"; f. Breach Of Contract (2) The offense was not committed before the "Personal and advertising injury" arising out of a Retroactive Date, if any, shown in the breach of contract, except an implied contract to Declarations or after the end of the policy use another's "advertising idea" in your period; and "advertisement". (3) A claim for damages because of the "personal g. Quality Or Performance Of Goods Failure To and advertising injury" is first made against any Conform To Statements insured, in accordance with Paragraph c. below, during the policy period or any Extended "Personal and advertising injury" arising out of the Reporting Period we provide under Section V failure of goods, products or services to conform Extended Reporting Periods. with any statement of quality or performance made in your "advertisement". c. A claim made by a person or organization seeking damages will be deemed to have been made at the h. Wrong Description Of Prices earlier of the following times: "Personal and advertising injury" arising out of the (1) When notice of such claim is received and recorded by any insured or by us, whichever comes first; or wrong description of the price of goods, products or services. i. Infringement Of Intellectual Property Rights (2) When we make settlement in accordance with "Personal and advertising injury" arising out of any Paragraph 1.a. above. violation of any intellectual property rights such as All claims for damages because of "personal and copyright, patent, trademark, trade name, trade advertising injury" to the same person or secret, service mark or other designation of origin organization as a result of an offense will be or authenticity. deemed to have been made at the time the first of those claims is made against any insured. However, this exclusion does not apply to infringement, in your "advertisement", of: (1) Copyright; Page 6 of 20 HG

7 (2) Slogan, unless the slogan is also a trademark, o. War trade name, service mark or other designation "Personal and advertising injury", however caused, of origin or authenticity; or arising, directly or indirectly, out of: (3) Title of any literary or artistic work. (1) War, including undeclared or civil war; j. Insureds In Media And Internet Type (2) Warlike action by a military force, including Businesses action in hindering or defending against an "Personal and advertising injury" committed by an actual or expected attack, by any government, insured whose business is: sovereign or other authority using military (1) Advertising, broadcasting, publishing or personnel or other agents; or telecasting; (3) Insurrection, rebellion, revolution, usurped (2) Designing or determining content of web sites power, or action taken by governmental for others; or authority in hindering or defending against any of these. (3) An Internet search, access, content or service provider. p. Internet Advertisements And Content Of Others However, this exclusion does not apply to "Personal and advertising injury" arising out of: Paragraphs 17.a., b. and c. of "personal and (1) An "advertisement" for others on your web site; advertising injury" under the Definitions Section. (2) Placing a link to a web site of others on your For the purposes of this exclusion, placing an web site; "advertisement" for or linking to others on your web (3) Content, including information, sounds, text, site, by itself, is not considered the business of graphics, or images from a web site of others advertising, broadcasting, publishing or telecasting. displayed within a frame or border on your web k. Electronic Chatrooms Or Bulletin Boards site; or "Personal and advertising injury" arising out of an (4) Computer code, software or programming used electronic chatroom or bulletin board the insured to enable: hosts, owns, or over which the insured exercises (a) Your web site; or control. (b) The presentation or functionality of an l. Unauthorized Use Of Another's Name Or "advertisement" or other content on your Product web site. "Personal and advertising injury" arising out of the q. Right Of Privacy Created By Statute unauthorized use of another's name or product in "Personal and advertising injury" arising out of the your address, domain name or metatags, or violation of a person's right of privacy created by any other similar tactics to mislead another's any state or federal act. potential customers. However, this exclusion does not apply to liability m. Pollution for damages that the insured would have in the "Personal and advertising injury" arising out of the absence of such state or federal act. actual, alleged or threatened discharge, dispersal, r. Violation Of Anti-Trust law seepage, migration, release or escape of "pollutants" at any time. "Personal and advertising injury" arising out of a violation of any anti-trust law. n. Pollution-Related s. Securities Any loss, cost or expense arising out of any: "Personal and advertising injury" arising out of the (1) Request, demand, order or statutory or fluctuation in price or value of any stocks, bonds or regulatory requirement that any insured or other securities. others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any t. Discrimination Or Humiliation way respond to, or assess the effects of, "Personal and advertising injury" arising out of "pollutants"; or discrimination or humiliation committed by or at the (2) Claim or suit by or on behalf of a governmental direction of any "executive officer", director, authority for damages because of testing for, stockholder, partner or member of the insured. monitoring, cleaning up, removing, containing, u. Employment-Related Practices treating, detoxifying or neutralizing, or in any "Personal and advertising injury" to: way responding to, or assessing the effects of, "pollutants". (1) A person arising out of any "employment related practices"; or HG Page 7 of 20

8 (2) The spouse, child, parent, brother or sister of (1) First aid administered at the time of an accident; that person as a consequence of "personal and (2) Necessary medical, surgical, x-ray and dental advertising injury" to that person at whom any services, including prosthetic devices; and "employment-related practices" are directed. (3) Necessary ambulance, hospital, professional This exclusion applies: nursing and funeral services. (1) Whether the insured may be liable as an 2. Exclusions employer or in any other capacity; and We will not pay expenses for "bodily injury": (2) To any obligation to share damages with or repay someone else who must pay damages a. Any Insured because of the injury. To any insured, except "volunteer workers". v. Asbestos b. Hired Person (1) "Personal and advertising injury" arising out of To a person hired to do work for or on behalf of any the "asbestos hazard". insured or a tenant of any insured. (2) Any damages, judgments, settlements, loss, c. Injury On Normally Occupied Premises costs or expenses that: To a person injured on that part of premises you (a) May be awarded or incurred by reason of own or rent that the person normally occupies. any claim or suit alleging actual or d. Workers Compensation And Similar Laws threatened injury or damage of any nature or kind to persons or property which would not To a person, whether or not an "employee" of any have occurred in whole or in part but for the insured, if benefits for the "bodily injury" are "asbestos hazard"; payable or must be provided under a workers' (b) Arise out of any request, demand, order or compensation or disability benefits law or a similar statutory or regulatory requirement that any law. insured or others test for, monitor, clean up, e. Athletics Activities remove, encapsulate, contain, treat, detoxify To a person injured while practicing, instructing or or neutralize or in any way respond to or participating in any physical exercises or games, assess the effects of an "asbestos hazard"; sports, or athletic contests. or f. Products-Completed Operations Hazard (c) Arise out of any claim or suit for damages because of testing for, monitoring, cleaning Included within the "products-completed operations up, removing, encapsulating, containing, hazard". treating, detoxifying or neutralizing or in any g. Coverage A Exclusions way responding to or assessing the effects of an "asbestos hazard". Excluded under Coverage A. COVERAGE C MEDICAL PAYMENTS SUPPLEMENTARY PAYMENTS COVERAGES A AND B 1. Insuring Agreement 1. We will pay, with respect to any claim we investigate or a. We will pay medical expenses as described below settle, or any "suit" against an insured we defend: for "bodily injury" caused by an accident: a. All expenses we incur. (1) On premises you own or rent; b. Up to $1,000 for cost of bail bonds required (2) On ways next to premises you own or rent; or because of accidents or traffic law violations arising (3) Because of your operations; out of the use of any vehicle to which the Bodily provided that: Injury Liability Coverage applies. We do not have to furnish these bonds. (1) The accident takes place in the "coverage territory" and during the policy period; c. The cost of appeal bonds or bonds to release attachments, but only for bond amounts within the (2) The expenses are incurred and reported to us applicable limit of insurance. We do not have to within three years of the date of the accident; furnish these bonds. and d. All reasonable expenses incurred by the insured at (3) The injured person submits to examination, at our request to assist us in the investigation or our expense, by physicians of our choice as defense of the claim or "suit", including actual loss often as we reasonably require. of earnings up to $500 a day because of time off b. We will make these payments regardless of fault. from work. These payments will not exceed the applicable limit of insurance. We will pay reasonable expenses for: e. All costs taxed against the insured in the "suit". Page 8 of 20 HG

9 f. Prejudgment interest awarded against the insured So long as the above conditions are met, attorneys' on that part of the judgment we pay. If we make an fees incurred by us in the defense of that indemnitee, offer to pay the applicable limit of insurance, we will necessary litigation expenses incurred by us and not pay any prejudgment interest based on that necessary litigation expenses incurred by the period of time after the offer. indemnitee at our request will be paid as g. All interest on the full amount of any judgment that Supplementary Payments. Notwithstanding the accrues after entry of the judgment and before we provisions of Paragraph 2.b.(2) of Section I have paid, offered to pay, or deposited in court the Coverage A Bodily Injury And Property Damage part of the judgment that is within the applicable Liability, such payments will not be deemed to be limit of insurance. damages for "bodily injury" and "property damage" and will not reduce the limits of insurance. These payments will not reduce the limits of insurance. Our obligation to defend an insured's indemnitee and 2. If we defend an insured against a "suit" and an to pay for attorneys' fees and necessary litigation indemnitee of the insured is also named as a party to expenses as Supplementary Payments ends when: the "suit", we will defend that indemnitee if all of the following conditions are met: a. We have used up the applicable limit of insurance in the payment of judgments or settlements; or a. The "suit" against the indemnitee seeks damages for which the insured has assumed the liability of b. The conditions set forth above, or the terms of the the indemnitee in a contract or agreement that is an agreement described in Paragraph f. above, are no "insured contract"; longer met. b. This insurance applies to such liability assumed by SECTION II WHO IS AN INSURED the insured; 1. If you are designated in the Declarations as: c. The obligation to defend, or the cost of the defense a. An individual, you and your spouse are insureds, of, that indemnitee, has also been assumed by the but only with respect to the conduct of a business insured in the same "insured contract"; of which you are the sole owner. d. The allegations in the "suit" and the information we b. A partnership or joint venture, you are an insured. know about the "occurrence" are such that no Your members, your partners, and their spouses conflict appears to exist between the interests of are also insureds, but only with respect to the the insured and the interests of the indemnitee; conduct of your business. e. The indemnitee and the insured ask us to conduct c. A limited liability company, you are an insured. and control the defense of that indemnitee against Your members are also insureds, but only with such "suit" and agree that we can assign the same respect to the conduct of your business. Your counsel to defend the insured and the indemnitee; managers are insureds, but only with respect to and their duties as your managers. f. The indemnitee: d. An organization other than a partnership, joint (1) Agrees in writing to: venture or limited liability company, you are an insured. Your "executive officers" and directors are (a) Cooperate with us in the investigation, insureds, but only with respect to their duties as settlement or defense of the "suit"; your officers or directors. Your stockholders are (b) Immediately send us copies of any also insureds, but only with respect to their liability demands, notices, summonses or legal as stockholders. papers received in connection with the "suit"; e. A trust, you are an insured. Your trustees are also (c) Notify any other insurer whose coverage is insureds, but only with respect to their duties as available to the indemnitee; and trustees. (d) Cooperate with us with respect to 2. Each of the following is also an insured: coordinating other applicable insurance a. Employees and Volunteer workers available to the indemnitee; and Your "volunteer workers" only while performing (2) Provides us with written authorization to: duties related to the conduct of your business, or (a) Obtain records and other information related your "employees", other than either your "executive to the "suit"; and officers" (if you are an organization other than a (b) Conduct and control the defense of the partnership, joint venture or limited liability company) or your managers (if you are a limited indemnitee in such "suit". liability company), but only for acts within the scope of their employment by you or while performing duties related to the conduct of your business. HG Page 9 of 20

10 However, none of these "employees" or "volunteer d. Legal Representative If You Die workers" are insureds for: Your legal representative if you die, but only with (1) "Bodily injury" or "personal and advertising respect to duties as such. That representative will injury": have all your rights and duties under this Coverage (a) To you, to your partners or members (if you Part. are a partnership or joint venture), to your e. Unnamed Subsidiary members (if you are a limited liability Any subsidiary, and subsidiary thereof, of yours company), to a co-"employee" while in the which is a legally incorporated entity of which you course of his or her employment or own a financial interest of more than 50% of the performing duties related to the conduct of voting stock on the effective date of the Coverage your business, or to your other "volunteer Part. workers" while performing duties related to the conduct of your business; The insurance afforded herein for any subsidiary not named in this Coverage Part as a named (b) To the spouse, child, parent, brother or sister insured does not apply to injury or damage with of that co-"employee" or that "volunteer respect to which an insured under this Coverage worker" as a consequence of Paragraph Part is also an insured under another policy or (1)(a) above; would be an insured under such policy but for its (c) For which there is any obligation to share termination or the exhaustion of its limits of damages with or repay someone else who insurance. must pay damages because of the injury 3. Newly Acquired or Formed Organization described in Paragraphs (1)(a) or (b) above; Any organization you newly acquire or form, other than or a partnership, joint venture or limited liability company, (d) Arising out of his or her providing or failing to and over which you maintain financial interest of more provide professional health care services. than 50% of the voting stock, will qualify as a Named If you are not in the business of providing Insured if there is no other similar insurance available professional health care services, Paragraph (d) to that organization. However: does not apply to any nurse, emergency a. Coverage under this provision is afforded only until medical technician or paramedic employed by the 180th day after you acquire or form the you to provide such services. organization or the end of the policy period, whichever is earlier; (2) "Property damage" to property: b. Coverage A does not apply to "bodily injury" or (a) Owned, occupied or used by, "property damage" that occurred before you (b) Rented to, in the care, custody or control of, acquired or formed the organization; and or over which physical control is being c. Coverage B does not apply to "personal and exercised for any purpose by advertising injury" arising out of an offense you, any of your "employees", "volunteer committed before you acquired or formed the workers", any partner or member (if you are a organization. partnership or joint venture), or any member (if 4. Mobile Equipment you are a limited liability company). With respect to "mobile equipment" registered in your b. Real Estate Manager name under any motor vehicle registration law, any Any person (other than your "employee" or person is an insured while driving such equipment "volunteer worker"), or any organization while along a public highway with your permission. Any other acting as your real estate manager. person or organization responsible for the conduct of such person is also an insured, but only with respect to c. Temporary Custodians of Your Property liability arising out of the operation of the equipment, Any person or organization having proper and only if no other insurance of any kind is available temporary custody of your property if you die, but to that person or organization for this liability. However, only: no person or organization is an insured with respect to: (1) With respect to liability arising out of the a. "Bodily injury" to a co-"employee" of the person maintenance or use of that property; and driving the equipment; or (2) Until your legal representative has been b. "Property damage" to property owned by, rented to, appointed. in the charge of or occupied by you or the employer of any person who is an insured under this provision. Page 10 of 20 HG

11 5. Nonowned Watercraft (b) Any express warranty unauthorized by With respect to watercraft you do not own that is less you; than 51 feet long and is not being used to carry (c) Any physical or chemical change in the persons for a charge, any person is an insured while product made intentionally by the vendor; operating such watercraft with your permission. Any (d) Repackaging, except when unpacked other person or organization responsible for the solely for the purpose of inspection, conduct of such person is also an insured, but only demonstration, testing, or the substitution with respect to liability arising out of the operation of of parts under instructions from the the watercraft, and only if no other insurance of any manufacturer, and then repackaged in the kind is available to that person or organization for this original container; liability. (e) Any failure to make such inspections, However, no person or organization is an insured with adjustments, tests or servicing as the respect to: vendor has agreed to make or normally a. "Bodily injury" to a co-"employee" of the person undertakes to make in the usual course of operating the watercraft; or business, in connection with the distribution or sale of the products; b. "Property damage" to property owned by, rented to, in the charge of or occupied by you or the employer (f) Demonstration, installation, servicing or of any person who is an insured under this repair operations, except such operations provision. performed at the vendor's premises in connection with the sale of the product; 6. Additional Insureds When Required By Written Contract, Written Agreement Or Permit (g) Products which, after distribution or sale by you, have been labeled or relabeled or The following person(s) or organization(s) are an used as a container, part or ingredient of additional insured when you have agreed, in a written any other thing or substance by or for the contract, written agreement or because of a permit vendor; or issued by a state or political subdivision, that such person or organization be added as an additional (h) "Bodily injury" or "property damage" arising insured on your policy, provided the injury or damage out of the sole negligence of the vendor for occurs subsequent to the execution of the contract or its own acts or omissions or those of its agreement or the issuance of a permit. employees or anyone else acting on its behalf. However, this exclusion does not A person or organization is an additional insured under apply to: this provision only for that period of time required by the contract, agreement or permit. (i) The exceptions contained in Sub- paragraphs (d) or (f); or However, no such person or organization is an additional insured under this provision if such person (ii) Such inspections, adjustments, tests or or organization is included as an additional insured by servicing as the vendor has agreed to an endorsement issued by us and made a part of this make or normally undertakes to make Coverage Part. in the usual course of business, in connection with the distribution or sale a. Vendors of the products. Any person(s) or organization(s) (referred to below (2) This insurance does not apply to any insured as vendor), but only with respect to "bodily injury" person or organization, from whom you have or "property damage" arising out of "your products" acquired such products, or any ingredient, part which are distributed or sold in the regular course of the vendor's business; and only if this Coverage or container, entering into, accompanying or Part provides coverage for "bodily injury" or containing such products. "property damage" included within the "products- b. Lessors Of Equipment completed operations hazard". (1) Any person or organization from whom you lease (1) The insurance afforded the vendor is subject to equipment; but only with respect to their liability the following additional exclusions: for "bodily injury", "property damage" or "personal This insurance does not apply to: and advertising injury" caused, in whole or in part, by your maintenance, operation or use of (a) "Bodily injury" or "property damage" for equipment leased to you by such person or which the vendor is obligated to pay organization. damages by reason of the assumption of liability in a contract or agreement. This (2) With respect to the insurance afforded to these exclusion does not apply to liability for additional insureds, this insurance does not apply damages that the vendor would have in the to any "occurrence" which takes place after the absence of the contract or agreement; equipment lease expires. HG Page 11 of 20

12 c. Lessors Of Land Or Premises f. Any Other Party Any person or organization from whom you lease Any other person or organization who is not an land or premises, but only with respect to liability for insured under Paragraphs a. through e. above, but "bodily injury", "property damage" or "personal and only with respect to liability for "bodily injury", advertising injury" arising out of the ownership, "property damage" or "personal and advertising maintenance or use of that part of the land or injury" caused, in whole or in part, by your acts or premises leased to you. omissions or the acts or omissions of those acting With respect to the insurance afforded these on your behalf: additional insureds the following additional (1) In the performance of your ongoing operations; exclusions apply: (2) In connection with your premises owned by or This insurance does not apply to: rented to you; or 1. Any "occurrence" which takes place after you (3) In connection with "your work" and included cease to lease that land or be a tenant in that within the "products-completed operations premises; or hazard", but only if 2. Structural alterations, new construction or (a) The written contract or agreement requires demolition operations performed by or on behalf you to provide such coverage to such of such person or organization. additional insured; and d. Architects, Engineers Or Surveyors (b) This Coverage Part provides coverage for Any architect, engineer, or surveyor, but only with "bodily injury" or "property damage" included respect to liability for "bodily injury", "property within the "products-completed operations damage" or "personal and advertising injury" hazard". caused, in whole or in part, by your acts or With respect to the insurance afforded to these omissions or the acts or omissions of those acting additional insureds, this insurance does not apply on your behalf: to: (1) In connection with your premises; or "Bodily injury", "property damage" or "personal and (2) In the performance of your ongoing operations advertising injury" arising out of the rendering of, or performed by you or on your behalf. the failure to render, any professional architectural, engineering or surveying services, including: With respect to the insurance afforded these additional insureds, the following additional (1) The preparing, approving, or failing to prepare exclusion applies: or approve, maps, shop drawings, opinions, reports, surveys, field orders, change orders or This insurance does not apply to "bodily injury", drawings and specifications; or "property damage" or "personal and advertising injury" arising out of the rendering of or the failure (2) Supervisory, inspection, architectural or to render any professional services by or for you, engineering activities. including: The limits of insurance that apply to additional insureds 1. The preparing, approving, or failing to prepare is described in Section III Limits Of Insurance. or approve, maps, shop drawings, opinions, How this insurance applies when other insurance is reports, surveys, field orders, change orders or available to the additional insured is described in the drawings and specifications; or Other Insurance Condition in Section IV Commercial 2. Supervisory, inspection, architectural or General Liability Conditions. engineering activities. No person or organization is an insured with respect to the e. Permits Issued By State Or Political conduct of any current or past partnership, joint venture or Subdivisions limited liability company that is not shown as a Named Insured in the Declarations. Any state or political subdivision, but only with respect to operations performed by you or on your SECTION III LIMITS OF INSURANCE behalf for which the state or political subdivision 1. The Most We will Pay has issued a permit. The Limits of Insurance shown in the Declarations and With respect to the insurance afforded these the rules below fix the most we will pay regardless of additional insureds, this insurance does not apply the number of: to: a. Insureds; (1) "Bodily injury", "property damage" or "personal b. Claims made or "suits" brought; or and advertising injury" arising out of operations c. Persons or organizations making claims or bringing performed for the state or municipality; or "suits". (2) "Bodily injury" or "property damage" included within the "products-completed operations hazard". Page 12 of 20 HG

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