Commercial General Liability

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1 PREMIUM COMPUTATION ENDORSEMENT MINIMUM AND DEPOSIT PREMIUM MINIMUM EARNED PREMIUM The Deposit Premium is an estimated premium only. The final premium will be calculated according to the premium audit provision of this policy which is amended below. The Deposit Premium is calculated as follows: Rate Estimated Exposure Deposit Premium (Rate times estimated Exposure) TRIA Premium (flat charge and not subject to audit) Paragraph 5.b. of SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS is deleted and replaced with the following: Premium shown on the Declarations page as Deposit Premium is an estimated premium only. At the close of each audit period we will compute the earned premium for that period based upon the actual exposure provided by an auditor or by you. If the audited earned premium is greater than the Deposit Premium, the difference between them is due and payable to us immediately upon notice to the first Named Insured. If the Deposit Premium and the audited earned premium is less than the Minimum Premium, we will not return any premium. In the event the policy is cancelled prior to the expiration date shown in Item 2 of the Declarations Page (or if amended via endorsement), the applicable pro rata or short rate of the Deposit Premium (plus any additional premium added via endorsement) or audited earned premium will apply, whichever is greater. If the policy is cancelled within 90 days of the effective date listed on the Declarations Page, we will retain no less than 25% of the applicable pro rata or short rate of the Deposit Premium or audited earned premium, whichever is greater. 1 2 CGL

2 If the insured has selected to purchase TRIA coverage, a flat charge will apply. This amount is not auditable and will not affect either the Deposit Premium or audited earned premium. In the case of cancellation, the applicable pro rata or short rate of the TRIA Premium will apply. 2 2 CGL

3 AMENDMENT OTHER INSURANCE CLAUSE It is agreed that under SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS, 4. Other Insurance is deleted and replaced by the following: 4. If other valid and collectible insurance is available to any insured for a loss we cover under Coverage A or B of this Coverage Part, then this insurance is excess of such insurance and we will have no duty to defend any claim or suit that any other insurer has a duty to defend. CGL

4 AMENDMENT WAR LIABILITY EXCLUSION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE It is hereby agreed that the Policy shall be amended as follows: 1) Exclusion i. of COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY, which reads as follows, is hereby deleted: Bodily injury or property damage due to war, whether or not declared, or any act or condition incident to war. War includes civil war, insurrection, rebellion or revolution. This exclusion applies only to liability assumed under a contract or agreement. 2) The following exclusion applies in addition to the exclusions in the Policy and in any other endorsements thereof: No coverage shall exist under this policy for bodily injury, property damage, personal and advertising injury however caused, arising, directly or indirectly, out of: a. War, including undeclared or civil war; or b. Warlike action by a military force, including 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 c. Insurrection, rebellion, revolution, usurped power, or action taken by governmental authority in hindering or defending against any of these. All other terms, conditions and exclusions of this Policy remain unchanged. CGL

5 CONTRACTUAL LIABILITY RAILROADS Scheduled Railroad: Designated Job Site: If no entry appears above, information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement. With respect to operations performed for, or affecting a Scheduled Railroad at a Designated Job Site, the definition of insured contract in the Definitions Section is replaced by the following: 9. Insured contract means: a. A contract for a lease of premises. However, that portion of the contract for a lease of premises that indemnifies any person or organization for damage by fire to premises while rented to you or temporarily occupied by you with permission of the owner is not an insured contract ; b. A sidetrack agreement; c. Any easement or license agreement; d. An obligation, as required by ordinance, to indemnify a municipality, except in connection with work for a municipality; e. An elevator maintenance agreement; f. That part of any other contract or agreement pertaining to your business (including an indemnification of a municipality in connection with work performed for a municipality) under which you assume the tort liability of another party to pay for bodily injury or property damage to a third person or organization. Tort liability means a liability that would be imposed by law in the absence of any contract or agreement. Paragraph f. does not include that part of any contract or agreement: 1 2 CGL

6 (1) That indemnifies an architect, engineer or surveyor for injury or damage arising out of: (a) Preparing, approving or failing to prepare or approve maps, shop drawings, opinions, reports, surveys, field orders, change orders or drawings and specifications; or (b) Giving directions or instructions, or failing to give them, if that is the primary cause of the injury or damage; (2) Under which the insured, if an architect, engineer or surveyor, assumes liability for an injury or damage arising out of the insured s rendering or failure to render professional services, including those listed in paragraph (1) above and supervisory, inspection, architectural or engineering activities. 2 2 CGL

7 EXCLUSION ASBESTOS This policy does not apply to, bodily injury, property damage, or personal and advertising injury arising out of or related in any way, either directly or indirectly, to: 1. asbestos, asbestos products, asbestos-containing materials or products, asbestos fibers or asbestos dust, including, but not limited to, manufacture, mining, use, sale, installation, removal, or distribution activities; 2. exposure to, testing for, monitoring of, cleaning up, removing, containing or treating of asbestos, asbestos products, asbestos-containing materials or products, asbestos fibers or asbestos dust; or 3. any obligation to investigate, settle or defend, or indemnify any person against any claim or suit arising out of, or related in any way, either directly or indirectly, to asbestos products, asbestos-containing materials or products, asbestos fibers or asbestos dust. This endorsement does not change any other provision of the policy. CGL

8 EXCLUSION EMPLOYMENT-RELATED PRACTICES This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph 2., Exclusions of Section I Coverage A Bodily Injury And Property Damage Liability: This insurance does not apply to: Bodily injury to: (1) A person arising out of any: (a) Refusal to employ that person; (b) Termination of that person s employment; or (c) Employment-related practices, policies, acts or omissions, such as coercion, demotion, evaluation, reassignment, discipline, defamation, harassment, humiliation or discrimination directed at that person; or (2) The spouse, child, parent, brother or sister of that person as a consequence of bodily injury to that person at whom any of the employment-related practices described in Paragraphs (a), (b), or above is directed. This exclusion applies: (1) Whether the insured may be liable as an employer or in any other capacity; and (2) To any obligation to share damages with or repay someone else who must pay damages because of the injury. 1 2 CGL

9 B. The following exclusion is added to Paragraph 2., Exclusions of Section I Coverage B Personal And Advertising Injury Liability: This insurance does not apply to: Personal and advertising injury to: (1) A person arising out of any: (a) Refusal to employ that person; (b) Termination of that person s employment; or (c) Employment-related practices, policies, acts or omissions, such as coercion, demotion, evaluation, reassignment, discipline, defamation, harassment, humiliation or discrimination directed at that person; or (2) The spouse, child, parent, brother or sister of that person as a consequence of personal and advertising injury to that person at whom any of the employment-related practices described in Paragraphs (a), (b), or above is directed. This exclusion applies: (1) Whether the insured may be liable as an employer or in any other capacity; and (2) To any obligation to share damages with or repay someone else who must pay damages because of the injury. 2 2 CGL

10 EXCLUSION INTELLECTUAL PROPERTY RIGHTS This insurance does not apply to: Any bodily injury, property damage, or personal and advertising injury arising out of, or directly or indirectly related to, the actual or alleged publication or utterance or oral or written statements which are claimed as an infringement, violation or defense of any of the following rights or laws: 1. copyright, other than infringement of copyrighted advertising materials; 2. patent; 3. trade secrets; 4. trade dress; or 5. trade mark or service mark or certification mark or collective mark or trade name, other than trademarked or service marked titles or slogans. This endorsement does not change any other provision of the policy. CGL

11 EXCLUSION JOINT VENTURES It is hereby agreed that this insurance does not apply to any liability arising from any joint venture. CGL

12 EXCLUSION KNOWN CLAIMS AND OCCURRENCES This insurance does not apply to any claim or suit caused by, resulting from or arising out of an occurrence you had knowledge of or information on, prior to the effective date of this policy and which may result in a claim. CGL

13 EXCLUSION KNOWN INJURY OR LOSS This insurance does not apply to bodily injury, property damage, personal and advertising injury which began prior to the inception date of this policy, and which is alleged to continue into the policy period. This exclusion applies whether or not: 1) The damage or its cause was known to any insured before the inception date of this policy; 2) Repeated or continued exposure to conditions causing such bodily injury, property damage or personal injury and advertising injury occurred during the policy period or caused additional or progressive bodily injury, property damage or personal injury and advertising injury during the policy period; or 3) The insured s legal obligation to pay damages was established as of the inception date of this policy. This endorsement does not change any other provision of the policy. CGL

14 EXCLUSION LEAD LIABILITY This insurance does not apply to: 1) Bodily Injury, Property Damage, Personal and advertising injury arising out of, resulting from, or in any way caused by or related to any actual, alleged or threatened ingestion, inhalation, absorption, or exposure to lead, in any form and from any source; or 2) Any loss, cost, expense, liability or other type of obligation arising out of, resulting from, or in any way related to, any: a) Claim, suit, request, demand, directive, or order by or on behalf of any person, entity, or governmental authority that any Insured or others test for, monitor, clean up, remove, contain, treat, detoxify, neutralize, or in any way respond to or assess the effects of lead in any form from any source, or to any b) Claim or suit by or on behalf of any person, entity, or governmental authority for damages or any other relief or remedy because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying, or neutralizing, or in any way responding to or assessing the effects of lead in any form. This endorsement does not change any other provision of the policy. CGL

15 EXCLUSION COVERAGE C MEDICAL PAYMENTS This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART This insurance does not apply, nor do we have any duty to defend any claim or suit included under COVERAGE C MEDICAL PAYMENTS. This endorsement does not change any other provision of the policy CGL

16 EXCLUSION MOLD, MILDEW OR FUNGUS This insurance does not apply to: 1. Bodily Injury, property damage, or personal and advertising injury arising out of or related in any way, either directly or indirectly, to; any actual, alleged or threatened inhalation, discharge, dispersal, seepage, migration, absorption, release, exposure, or escape of any mold, mildew or fungus in any source, at any time; or 2. Any loss, cost, expense, liability or other type of obligation arising out of, resulting from or in any way related, directly or indirectly, to any claim, suit, investigation, or administrative proceeding brought by or on behalf of any person, entity, or government authority for damages, or any other relief or remedy because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying, neutralizing, or in any way responding to or assessing the effects of mold, mildew or fungus in any form from any source, at any time. All other terms and conditions of this policy remain unchanged. CGL

17 EXCLUSION TOTAL POLLUTION Exclusion f. under Paragraph 2., Exclusions of Section I Coverage A Bodily Injury And Property Damage Liability is replaced by the following: This insurance does not apply to: f. Pollution (1) Bodily injury or property damage which would not have occurred in whole or part but for the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of pollutants at any time. (2) Any loss, cost or expense arising out of any: (a) Request, demand, order or statutory or regulatory requirement that any insured or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of pollutants ; or (b) Claim or suit by or on behalf of a governmental authority for damages because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralizing, or in any way responding to, or assessing the effects of, pollutants. CGL

18 EXCLUSION DESIGNATED OPERATIONS COVERED BY A CONSOLIDATED (WRAP-UP) INSURANCE PROGRAM This insurance does not apply to bodily injury or property damage arising out of either your ongoing operations or operations included within the products-completed operations hazard, for any job covered under a consolidated (wrap-up) insurance program provided by the prime contractor/project manager or owner of the construction project in which you are involved. This exclusion applies whether or not the consolidated (wrap-up) insurance program: 1. Provides coverage identical to that provided by this Coverage Part; 2. Has limits adequate to cover all claims; or 3. Remains in effect. CGL

19 LIMITATION OF COVERAGE TO DESIGNATED PREMISES OR PROJECT PREMISES: PROJECT: (If no entry appears above, information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement.) This insurance applies only to bodily injury, property damage, personal and advertising injury arising out of: 1. The ownership, maintenance or use of the premises shown in the Schedule and operations necessary or incidental to those premises; or 2. The project shown in the Schedule. This endorsement does not change any other provision of policy. CGL

20 NAMED INSURED Item 1. Named Insured is hereby amended on the Policy Declarations Page to include the following: This endorsement does not change any other provision of the policy. CGL

21 SPECIAL CONDITIONS FOR SUBCONTRACTORS ENDORSEMENT As a condition precedent to an insured s coverage under this Policy for covered liability resulting from a subcontractor working on its behalf, in addition to the terms and conditions of the Policy, the insured must satisfy the additional requirements noted below: 1. Certificates of insurance with limits of liability equal to or greater than those provided by this policy (underwritten by an insurance company with at least an A VII Best rating as defined by A.M. Best) will be obtained from all subcontractors prior to commencement of any work performed for the insured. Insurance must be maintained during the policy period listed on this policy s declaration page. Note: If this policy provides a per aggregate, subcontractor policy must provide the same. 2. The insured will obtain hold harmless or similar indemnity agreements from subcontractors indemnifying you against all losses for work performed for the insured by any and all subcontractors. 3. The insured will be named as Additional Insured on all subcontractors General Liability policies. Failure to comply with the above conditions will result in the following: If a claim is charged to this policy due to a subcontractors operations an increased deductible or SIR (whichever is listed on the Declarations page of this policy) of $ will apply for any such loss(es). Commercial General Liability coverage maintained by subcontractors shall be primary and this policy shall be excess of limits of liability of such insurance, notwithstanding the language of the Other Insurance provisions of this policy. ALL OTHER TERMS AND CONDITIONS OR THE POLICY REMAIN UNCHANGED. CGL a

22 The following exclusion is added to the policy: EXCLUSION RESIDENTIAL CONSTRUCTION This insurance does not apply to bodily injury, property damage, personal and advertising injury caused by, or arising out of or in any way related to the following: Any residential construction conducted by you or on your behalf. For the purposes of this endorsement, residential construction shall be defined as all operations, including your work and your product related to all construction operations being performed or previously performed involving single-family dwellings; multi-unit residential subdivisions; master planned residential communities; residential cooperatives; tract homes; town homes; residential duplexes; or residential condominiums, however this definition does not apply to apartment units. Residential construction includes but is not limited to: 1. Original construction, repair, remodeling and all other changes, structural and non-structural; and 2. Development or changes in the land; including but not limited to excavation, trenching and grading of land; in relation to any work being performed on single-family dwellings; multi-unit residential subdivisions; master planned residential communities; residential cooperatives; tract homes; town homes; residential duplexes; or residential condominiums. This endorsement does not change any other provision of the policy. CGL

23 EXCLUSION CONTRACTORS PROFESSIONAL LIABILITY This endorsement modified insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART 1. This insurance does not apply to bodily injury, property damage or personal and advertising injury arising out of the rendering of or failure to render any professional services by you or on your behalf, but only with respect to either or both of the following operations: a. Engineering, architectural or surveying services in your capacity as an engineer, architect or surveyor; and b. Providing or hiring independent professionals hired by you to provide, engineering, architectural or surveying services in connection with construction work you perform. 2. Subject to Paragraph 3. below, professional services include: a. Preparing, approving, or failing to prepare or approve, maps, shop drawings, opinions, reports, surveys, field orders, change orders, or drawings and specifications; and b. Supervisory or inspection activities performed as part of any related architectural or engineering activities. 3. Professional services do not include services within construction means, methods, techniques, sequences and procedures employed by you in connection with your operations in your capacity as a construction contractor. This endorsement does not change any other provision of the policy. CGL

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