COMMERCIAL GENERAL LIABILITY COVERAGE FORM

Transcription

1 COMMERCIAL GENERAL LIABILITY COVERAGE FORM Vrious provisions in this Coverge Prt restrit this insurne Red the entire Coverge Prt refully to determine rights, duties nd wht is nd is not overed Throughout this Coverge Prt the words "you" nd "your" refer to the Nmed Insured shown in the Delrtions, nd ny other person or orgni ztion qulifying s Nmed Insured under this Coverge Prt The words "we", "us" nd "our" refer to the Compny providing this insurne The word "insured" mens ny person or orgni ztion qulifying s suh under SECTION II WHO IS AN INSURED Other words nd phrses tht pper in quottion mrks hve speil mening Refer to SECTION V DEFINITIONS SECTION I COVERAGES COVERAGE A BODILY INJURY AND PROP ERTY DAMAGE LIABILITY 1 Insuring Agreement We will py those sums tht the insured eomes leglly oligted to py s dmges euse of "odily injury" or "property dmge" to whih this insur ne pplies We will hve the right nd duty to defend the insured ginst ny "suit" seeking those dmges However, we will hve no duty to defend the in sured ginst ny "suit" seeking dm ges for "odily injury" or "property dm ge" to whih this insurne does not pply We my, t our disretion, investi gte ny "ourrene" nd settle ny lim or "suit" tht my result But: (1) The mount we will py for dmges is limited s desried in SECTION III LIMITS OF INSURANCE; nd (2) Our right nd duty to defend ends when we hve used up the ppli le limit of insurne in the pyment of judgments or settlements under SECTION I COVERAGES, COV ERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY; SECTION I COVERAGES, COV ERAGE B PERSONAL AND AD VERTISING INJURY LIABILITY; or medil expenses under SECTION I COVERAGES, COVERAGE C MEDICAL PAYMENTS No other oligtion or liility to py sums or perform ts or servies is overed unless expressly provided for under SUPPLEMENTARY PAYMENTS ERAGES A AND B COV This insurne pplies to "odily injury" nd "property dmge" only if: (1) The "odily injury" or "property dm ge" is used y n "ourrene" tht tkes ple in the "overge ter ritory"; (2) The "odily injury" or "property dm ge" ours during the poliy period; nd (3) Prior to the "overge term" in whih "odily injury" or "property dmge" ours, you did not know, per Pr grph 1 d elow, tht the "odily in jury" or "property dmge" hd o urred or hd egun to our, in whole or in prt "Bodily injury" or "property dmge" whih: d (1) Ours during the "overge term"; nd (2) Ws not, prior to the "overge term", known y you, per Prgrph 1 d elow, to hve ourred; inludes ny ontinution, hnge or re sumption of tht "odily injury" or "prop erty dmge" fter the end of the "over ge term" in whih it first eme known y you You will e deemed to know tht "odily injury" or "property dmge" hs o urred t the erliest time when ny "uthorized representtive": (1) Reports ll, or ny prt, of the "odily injury" or "property dmge" to us or ny other insurer; (2) Reeives written or verl demnd or lim for dmges euse of the "odily injury" or "property dmge"; (3) First oserves, or resonly should hve first oserved, the "odily in jury" or "property dmge"; (4) Beomes wre, or resonly should hve eome wre, y ny mens other thn s desried in (3) ove, tht "odily injury" or "prop erty dmge" hd ourred or hd egun to our; or (5) Beomes wre, or resonly should hve eome wre, of Inludes opyrighted mteril of Insurne GA Servies Offie, In, with its permission Pge 1 of 23

2 e 2 Exlusions ondition from whih "odily injury" or "property dmge" is sustntilly ertin to our Dmges euse of "odily injury" in lude dmges limed y ny person or orgniztion for re, loss of servies or deth resulting t ny time from the "od ily injury" This insurne does not pply to: Expeted or Intended Injury "Bodily injury" or "property dmge" whih my resonly e expeted to re sult from the intentionl or riminl ts of the insured or whih is in ft expeted or intended y the insured, even if the injury or dmge is of different degree or type thn tully expeted or intended This exlusion does not pply to "odily injury" resulting from the use of resonle fore to protet persons or property Contrtul Liility "Bodily injury" or "property dmge" for whih the insured is oligted to py dmges y reson of the ssumption of liility in ontrt or greement This exlusion does not pply to liility for dmges: (1) Tht the insured would hve in the sene of the ontrt or gree ment; or (2) Assumed in ontrt or greement tht is n "insured ontrt", pro vided the "odily injury" or "property dmge" ours susequent to the exeution of the ontrt or gree ment When lim for suh "odily injury" or "property dmge" is mde, we will defend tht lim pro vided the insured hs ssumed the oligtion to defend suh lim in the "insured ontrt" Suh defense pyments will not redue the limits of insurne Liquor Liility "Bodily injury" or "property dmge" for whih ny insured my e held lile y reson of: (1) Cusing or ontriuting to the intoxi tion of ny person; (2) The furnishing of loholi ever ges to person under the legl drinking ge or under the influene of lohol; or (3) Any sttute, ordinne or regultion relting to the sle, gift, distriution or use of loholi everges This exlusion pplies only if you re in the usiness of mnufturing, distriut ing, selling, serving or furnishing loholi everges d Workers Compenstion nd Similr Lws e f Any oligtion of the insured under workers ompenstion, disility enefits or unemployment ompenstion lw or ny similr lw Employer s Liility "Bodily injury" to: (1) An "employee" of the insured sus tined in the "workple"; (2) An "employee" of the insured rising out of the performne of duties re lted to the ondut of the insured s usiness; or (3) The spouse, hild, prent, rother or sister of tht "employee" s onse quene of Prgrphs (1) or (2) ove This exlusion pplies: (1) Whether the insured my e lile s n employer or in ny other pity; nd (2) To ny oligtion to shre dmges with or repy someone else who must py dmges euse of the injury This exlusion does not pply to liility ssumed y the insured under n "in sured ontrt" Pollutnt (1) "Bodily injury" or "property dmge" rising out of the tul, lleged or thretened dishrge, dispersl, seepge, migrtion, relese, espe or emission of "pollutnts": () At or from ny premises, site or lotion whih is or ws t ny time owned or oupied y, or rented or loned to, ny insured However, Prgrph () does not pply to: 1) "Bodily injury" to ny person injured while on ny prem ises, site or lotion owned or oupied y, or rented or loned to, you provided: Inludes opyrighted mteril of Insurne GA Servies Offie, In, with its permission Pge 2 of 23

3 ) The injury is used y the indequte ventil tion of vpors; ) The person injured is first exposed to suh vpors during the pol iy period; nd ) Within 30 dys of suh first exposure, the per son injured is linilly dignosed or treted y physiin for the medil ondition used y the expo sure to suh vpors However, Prgrph ) does not pply if the "odily injury" is used y vpors produed y or originting from equipment tht is used to het, ool or dehu midify the uilding, or equipment tht is used to het wter for per sonl use, y the uilding s oupnts or their guests This exeption 1) shll p ply only to Nmed Insureds; we shll hve no duty to defend or py dmges for ny person or orgniztion tht is not Nmed In sured However, this pr grph does not pply if the "odily injury" is used y vpors produed y or originting from equipment tht is used to het, ool or dehumidify the uilding, or equipment tht is used to het wter for personl use, y the uilding s oupnts or their guests For the purpose of the ex eption grnted in Pr grph 1) only, vpors mens ny gseous or ir orne irritnt or irorne ontminnt, inluding smoke, fumes, vpor or soot, ut exluding ses tos, whih is dishrged, dispersed, emitted, re lesed or espes from mterils, mhinery or equipment used in the servie or mintenne of the premises Vpors does not men ny gseous or irorne irritnts or on tminnts used in mnu fturing proess or whih is the produt or y produt of ny mnufturing pro ess; 2) "Bodily injury" or "property dmge" for whih you my e held lile, if you re ontrtor, nd the owner or lessee of suh premises, site or lotion hs een dded to this Coverge Prt s n dditionl insured with respet to your ongo ing opertions or "your work" performed for tht dditionl insured t tht premises, site or lotion nd suh premises, site or lotion is not nd never ws owned or oupied y, or rented or loned to, ny insured, other thn tht d ditionl insured; or 3) "Bodily injury" or "property dmge" rising out of het, smoke or fumes from "hostile fire"; () At or from ny premises, site or lotion whih is or ws t ny time used y or for ny insured or others for the hndling, stor ge, disposl, proessing or tretment of wste; Inludes opyrighted mteril of Insurne GA Servies Offie, In, with its permission Pge 3 of 23 () Whih re or were t ny time trnsported, hndled, stored, treted, disposed of, or pro essed s wste y or for: 1) Any insured; or 2) Any person or orgniztion for whom you my e le glly responsile; (d) At or from ny premises, site or lotion on whih ny insured or ny ontrtors or suontr tors working diretly or indiretly on ny insured s ehlf re performing opertions if the "pollutnts" re rought on or to the premises, site or lotion in onnetion with suh opertions y suh insured, ontrtor or suontrtor However, Pr grph (d) does not pply to: 1) "Bodily injury" or "property dmge" rising out of the dishrge, dispersl, seep ge, migrtion, relese, es

4 (e) pe or emission of fuels, lurints or other operting fluids, or exhust gses, whih re needed to per form, or re the result of, the norml eletril, hy druli or mehnil fun tions neessry for the op ertion of "moile equip ment" or its prts, if suh fuels, lurints or other operting fluids, or exhust gses, espe, seep or mi grte, or re dishrged, dispersed, relesed or emitted from vehile prt designed to hold, store or reeive them This exep tion does not pply if the fu els, lurints or other op erting fluids, or exhust gses, espe, seep or mi grte, or re dishrged, dispersed, relesed or emitted with the intent to use "odily injury" or "property dmge" or with the knowledge tht "odily injury" or "property dmge" is sustntilly ertin to our, or if suh fuels, luri nts or other operting fluids, or exhust gses, re rought on or to the premises, site or lotion with suh intent to espe, seep or migrte, or e dis hrged, dispersed, re lesed or emitted s prt of the opertions eing per formed y suh insured, ontrtor or suontrtor; 2) "Bodily injury" or "property dmge" sustined within uilding nd used y the relese of gses, fumes or vpors from mterils rought into tht uilding in onnetion with opertions eing performed y you or on your ehlf y on trtor or suontrtor; or 3) "Bodily injury" or "property dmge" rising out of het, smoke or fumes from "hostile fire"; or At or from ny premises, site or lotion on whih ny insured or ny ontrtors or suontr tors working diretly or indiretly on ny insured s ehlf re performing opertions if the op g ertions re to test for, monitor, len up, remove, ontin, tret, detoxify or neutrlize, or in ny wy respond to, or ssess the effets of, "pollutnts" (2) Any loss, ost or expense rising out of ny: () Request, demnd, order or sttutory or regultory require ment tht ny insured or others test for, monitor, len up, re move, ontin, tret, detoxify or neutrlize, or in ny wy re spond to, or ssess the effets of, "pollutnts"; or () Clim or suit y or on ehlf of governmentl uthority for dm ges euse of testing for, monitoring, lening up, remov ing, ontining, treting, detoxi fying or neutrlizing, or in ny wy responding to, or ssessing the effets of, "pollutnts" However, Prgrphs (2)() nd () do not pply to liility for dmges euse of "property dmge" tht the insured would hve in the sene of suh request, demnd, or der or sttutory or regultory re quirement, or suh lim or "suit" y or on ehlf of governmentl uthority Airrft, Auto or Wterrft "Bodily injury" or "property dmge" ris ing out of the ownership, mintenne, use or entrustment to others of ny ir rft, "uto" or wterrft owned or oper ted y or rented or loned to ny in sured Use inludes opertion nd "loding or unloding" This exlusion pplies even if the lims ginst ny insured llege negligene or other wrongdoing in the supervision, hir ing, employment, trining or monitoring of others y tht insured, if the "ourrene" whih used the "odily injury" or "prop erty dmge" involved the ownership, mintenne, use or entrustment to oth ers of ny irrft, "uto" or wterrft tht is owned or operted y or rented or loned to ny insured This exlusion does not pply to: (1) A wterrft while shore on prem ises you own or rent; (2) A wterrft you do not own tht is: () Less thn 51 feet long; nd Inludes opyrighted mteril of Insurne GA Servies Offie, In, with its permission Pge 4 of 23

5 h i () Not eing used to rry persons or property for hrge; (3) Prking n "uto" on, or on the wys next to, premises you own or rent, provided the "uto" is not owned y or rented or loned to you or the in sured; (4) Liility ssumed under ny "insured ontrt" for the ownership, minte nne or use of irrft or wterrft; or (5) "Bodily injury" or "property dmge" rising out of: () The opertion of mhinery or equipment tht is on, tthed to, or prt of, lnd vehile tht would qulify under the defini tion of "moile equipment" if it were not sujet to ompul sory or finnil responsiility lw or other motor vehile insur ne lw in the stte where it is liensed or priniplly grged; or () The opertion of ny of the m hinery or equipment listed in Prgrph f (2) or f (3) of the definition of "moile equipment" Moile Equipment "Bodily injury" or "property dmge" ris ing out of: (1) The trnsporttion of "moile equip ment" y n "uto" owned or oper ted y or rented or loned to ny insured; or (2) The use of "moile equipment" in, or while in prtie for, or while eing prepred for, ny prerrnged r ing, speed, demolition, or stunting tivity Wr "Bodily injury" or "property dmge", however used, rising, diretly or indi retly, out of: (1) Wr, inluding undelred or ivil wr; (2) Wrlike tion y militry fore, in luding tion in hindering or de fending ginst n tul or ex peted ttk, y ny government, sovereign or other uthority using militry personnel or other gents; or (3) Insurretion, reellion, revolution, usurped power, or tion tken y governmentl uthority in hindering or defending ginst ny of these Inludes opyrighted mteril of Insurne GA Servies Offie, In, with its permission Pge 5 of 23 j k Dmge to Property "Property dmge" to: (1) Property you own, rent or oupy, inluding ny osts or expenses in urred y you, or ny other person, orgniztion or entity, for repir, re plement, enhnement, restor tion or mintenne of suh property for ny reson, inluding prevention of injury to person or dmge to nother s property; (2) Premises you sell, give wy or ndon, if the "property dmge" rises out of ny prt of those prem ises; (3) Property loned to you; (4) Personl property in the re, us tody or ontrol of n insured; (5) Tht prtiulr prt of rel property on whih you or ny ontrtors or suontrtors working diretly or indiretly on your ehlf re per forming opertions, if the "property dmge" rises out of those oper tions; or (6) Tht prtiulr prt of ny property tht must e restored, repired or repled euse "your work" ws inorretly performed on it Prgrphs (1), (3) nd (4) of this exlu sion do not pply to "property dmge" (other thn dmge y fire or explosion) to premises, inluding the ontents of suh premises, rented to you for period of 7 or fewer onseutive dys, for whih the mount we will py is limited to the Dmge To Premises Rented To You Limit s desried in SECTION III LIM ITS OF INSURANCE Prgrph (2) of this exlusion does not pply if the premises re "your work" nd were never oupied, rented or held for rentl y you Prgrphs (3), (4), (5) nd (6) of this ex lusion do not pply to liility ssumed under sidetrk greement Prgrph (6) of this exlusion does not pply to "property dmge" inluded in the "produts ompleted opertions hz rd" Dmge to Your Produt "Property dmge" to "your produt" rising out of it or ny prt of it

6 l Dmge to Your Work q Employment Relted Prties m n o p "Property dmge" to "your work" rising out of it or ny prt of it nd inluded in the "produts ompleted opertions hz rd" This exlusion does not pply if the dm ged work or the work out of whih the dmge rises ws performed on your ehlf y suontrtor Dmge to Impired Property or Prop erty Not Physilly Injured "Property dmge" to "impired property" or property tht hs not een physilly injured, rising out of: (1) A defet, defiieny, indequy or dngerous ondition in "your prod ut" or "your work"; or (2) A dely or filure y you or nyone ting on your ehlf to perform ontrt or greement in ordne with its terms This exlusion does not pply to the loss of use of other property rising out of sudden nd identl physil injury to "your produt" or "your work" fter it hs een put to its intended use Rell of Produts, Work or Impired Property Any liility or dmges limed for ny loss, ost or expense inurred y you or others for the loss of use, withdrwl, re ll, inspetion, repir, replement, d justment, removl or disposl of: (1) "Your produt"; (2) "Your work"; or (3) "Impired property"; if suh produt, work or property is with drwn or relled from the mrket or from use y ny person or orgniztion e use of known or suspeted defet, defiieny, indequy or dngerous ondition in it Personl nd Advertising Injury "Bodily injury" rising out of "personl nd dvertising injury" Asestos "Bodily injury" or "property dmge" ris ing out of, ttriutle to, or ny wy re lted to sestos in ny form or trns mitted in ny mnner r "Bodily injury" to: (1) A person rising out of ny: () Refusl to employ tht person; () Termintion of tht person s employment; or () Other employment relted pr ties, poliies, ts or omissions inluding ut not limited to oer ion, ritiism, demotion, evlution, filure to promote, ressignment, disipline, def mtion, hrssment, humilition or disrimintion direted t tht person; or (2) The spouse, hild, prent, rother or sister of tht person s onse quene of "odily injury" to tht per son t whom ny of the employment relted prties desried in Pr grphs (), () or () ove is di reted This exlusion pplies: (1) Whether the insured my e lile s n employer or in ny other pity; nd (2) To ny oligtion to shre dmges with or repy someone else who must py dmges euse of the injury Additionl Insured Prior Knowledge An dditionl insured dded y tth ment of n endorsement to this Coverge Prt tht is seeking overge for lim or "suit", if tht dditionl insured knew, per the following prgrph, tht "odily injury" or "property dmge" hd o urred or hd egun to our, in whole or in prt, prior to the "overge term" in whih suh "odily injury" or "property dmge" ours or egins to our An dditionl insured dded y tth ment of n endorsement to this Coverge Prt will e deemed to hve known tht "odily injury" or "property dmge" hs ourred or hs egun to our t the erliest time when tht dditionl insured, or ny one of its owners, memers, prt ners, mngers, exeutive offiers, "em ployees" ssigned to mnge tht ddi tionl insured s insurne progrm, or "employees" ssigned to give or reeive notie of n "ourrene", "personl nd dvertising injury" offense, lim or "suit": Inludes opyrighted mteril of Insurne GA Servies Offie, In, with its permission Pge 6 of 23

7 s t (1) Reports ll, or ny prt, of the "odily injury" or "property dmge" to us or ny other insurer; (2) Reeives written or verl demnd or lim for dmges euse of the "odily injury" or "property dmge"; (3) First oserves, or resonly should hve first oserved, the "odily in jury" or "property dmge"; (4) Beomes wre, or resonly should hve eome wre, y ny mens other thn s desried in (3) ove, tht "odily injury" or "prop erty dmge" hd ourred or hd egun to our; or (5) Beomes wre, or resonly should hve eome wre, of ondition from whih "odily injury" or "property dmge" is sustntilly ertin to our Eletroni Dt Dmges rising out of the loss of, loss of use of, dmge to, orruption of, in ility to ess, or inility to mnipulte eletroni dt Distriution of Mteril in Violtion of Sttutes Bodily injury or property dmge ris ing diretly or indiretly out of ny tion or omission tht violtes or is lleged to violte: The Telephone Consumer Protetion At (TCPA), inluding ny mend ment of or ddition to suh lw; or The CAN SPAM At of 2003, inlud ing ny mendment of or ddition to suh lw; or Any sttute, ordinne or regultion, other thn the TCPA or CAN SPAM At of 2003, tht prohiits or limits the sending, trnsmitting, ommuniting or distriution of mteril or inform tion Exlusions through q do not pply to "property dmge" y fire or explosion to premises while rented to you or temporrily oupied y you with permission of the owner, for whih the mount we will py is limited to the Dmge to Premises Rented To You Limit s desried in SECTION III LIMITS OF IN SURANCE COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY 1 Insuring Agreement We will py those sums tht the insured eomes leglly oligted to py s dmges euse of "personl nd d vertising injury" to whih this insurne pplies We will hve the right nd duty to defend the insured ginst ny "suit" seeking those dmges However, we will hve no duty to defend the insured ginst ny "suit" seeking dmges for "personl nd dvertising injury" to whih this insurne does not pply We my, t our disretion, investigte ny offense nd settle ny lim or "suit" tht my re sult But: (1) The mount we will py for dmges is limited s desried in SECTION III LIMITS OF INSURANCE; nd (2) Our right nd duty to defend ends when we hve used up the ppli le limit of insurne in the pyment of judgments or settlements under SECTION I COVERAGES, COV ERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY; SECTION I COVERAGES, COV ERAGE B PERSONAL AND AD VERTISING INJURY LIABILITY; or medil expenses under SECTION I COVERAGES, COVERAGE C MEDICAL PAYMENTS No other oligtion or liility to py sums or perform ts or servies is overed unless expressly provided for under SUPPLEMENTARY PAYMENTS COV ERAGES A AND B This insurne pplies to "personl nd dvertising injury" only if: (1) The "personl nd dvertising injury" is used y n offense rising out of your usiness; nd (2) The "personl nd dvertising injury" offense ws ommitted in the "ov erge territory" during the poliy pe riod; nd (3) Prior to the "overge term" in whih the "personl nd dvertising injury" offense is ommitted, you did not know, per Prgrph 1 d elow, tht the offense hd een ommitted or hd egun to e ommitted, in whole or in prt "Personl nd dvertising injury" used y n offense whih: (1) Ws ommitted during the "overge term"; nd Inludes opyrighted mteril of Insurne GA Servies Offie, In, with its permission Pge 7 of 23

8 d 2 Exlusions (2) Ws not, prior to the "overge term", known y you, per Prgrph 1 d elow, to hve een ommitted; inludes ny ontinution, hnge or re sumption of tht offense fter the end of the "overge term" in whih it first e me known y you You will e deemed to know tht "per sonl nd dvertising injury" offense hs een ommitted t the erliest time when ny "uthorized representtive": (1) Reports ll, or ny prt, of the "per sonl nd dvertising injury" to us or ny other insurer; (2) Reeives written or verl demnd or lim for dmges euse of the "personl nd dvertising injury"; (3) First oserves, or resonly should hve first oserved, the offense tht used the "personl nd dvertis ing injury"; (4) Beomes wre, or resonly should hve eome wre, y ny mens, other thn s desried in (3) ove, tht the offense hd een ommitted or hd egun to e om mitted; or (5) Beomes wre, or resonly should hve eome wre, of ondition from whih "personl nd dvertising injury" is sustntilly ertin to our This insurne does not pply to: Knowing Violtion of Rights of Another "Personl nd dvertising injury" used y or t the diretion of the insured with the knowledge tht the t would violte the rights of nother nd would inflit "personl nd dvertising injury" Mteril Pulished With Knowledge of Flsity "Personl nd dvertising injury" rising out of orl or written pulition of mte ril, if done y or t the diretion of the in sured with knowledge of its flsity Mteril Pulished Prior to Coverge Term "Personl nd dvertising injury" rising out of orl or written pulition of mte ril whose first pulition took ple e fore the lter of the following: d e f (1) The ineption of this Coverge Prt; or (2) The "overge term" in whih insur ne overge is sought Criminl Ats "Personl nd dvertising injury" rising out of riminl t ommitted y or t the diretion of the insured Contrtul Liility "Personl nd dvertising injury" for whih the insured is oligted to py dmges y reson of the ssumption of liility in ontrt or greement This exlusion does not pply to liility for dmges: (1) Tht the insured would hve in the sene of the ontrt or gree ment; or (2) Assumed in ontrt or greement tht is n "insured ontrt", pro vided the "personl nd dvertising injury" is used y or rises out of n offense ommitted susequent to the exeution of the ontrt or greement When lim for suh "personl nd dvertising injury" is mde, we will defend tht lim, pro vided the insured hs ssumed the oligtion to defend suh lim in the "insured ontrt" Suh defense pyments will not redue the limits of insurne Breh of Contrt "Personl nd dvertising injury" rising out of reh of ontrt, exept n im plied ontrt to use nother s dvertising ide in your "dvertisement" g Qulity or Performne of Goods Filure to Conform to Sttements h "Personl nd dvertising injury" rising out of the filure of goods, produts or servies to onform with ny sttement of qulity or performne mde in your "d vertisement" Wrong Desription of Pries "Personl nd dvertising injury" rising out of the wrong desription of the prie of goods, produts or servies stted in your "dvertisement" i Infringement of Copyright, Ptent, Trdemrk or Trde Seret "Personl nd dvertising injury" rising out of the infringement of opyright, pt Inludes opyrighted mteril of Insurne GA Servies Offie, In, with its permission Pge 8 of 23

9 j ent, trdemrk, trde seret or other in telletul property rights However, this exlusion does not pply to infringement, in your "dvertisement", of opyright, trde dress or slogn Insureds in Medi nd Internet Type Businesses "Personl nd dvertising injury" om mitted y n insured whose usiness is: (1) Advertising, rodsting, pulishing or telesting; (2) Designing or determining ontent of we sites for others; or (3) An Internet serh, ess, ontent or servie provider However, this exlusion does not pply to Prgrphs 17, nd of "personl nd dvertising injury" under SECTION V DEFINITIONS For the purposes of this exlusion, the pling of frmes, orders or links, or d vertising, for you or others nywhere on the Internet is not, y itself, onsidered the usiness of dvertising, rodsting, pulishing or telesting k Eletroni Chtrooms or Bulletin Bords l m "Personl nd dvertising injury" rising out of n eletroni htroom or ulletin ord ny insured hosts, owns, or over whih ny insured exerises ontrol Unuthorized Use of Another s Nme or Produt "Personl nd dvertising injury" rising out of the unuthorized use of nother s nme or produt in your e mil ddress, domin nme or mettg, or ny other similr ttis to misled nother s poten til ustomers Employment Relted Prties "Personl nd dvertising injury" to: (1) A person rising out of ny: () Refusl to employ tht person; () Termintion of tht person s employment; or () Other employment relted pr ties, poliies, ts or omissions inluding ut not limited to oer ion, ritiism, demotion, evlution, filure to promote, ressignment, disipline, def mtion, hrssment, humilition or disrimintion direted t tht person; or (2) The spouse, hild, prent, rother or sister of tht person s onse quene of "personl nd dvertising injury" to tht person t whom ny of the employment relted prties desried in Prgrphs (), () or () ove is direted This exlusion pplies: (1) Whether the insured my e lile s n employer or in ny other pity; nd (2) To ny oligtion to shre dmges with or repy someone else who must py dmges euse of the injury Inludes opyrighted mteril of Insurne GA Servies Offie, In, with its permission Pge 9 of 23 n o p q Pollutnt "Personl nd dvertising injury" rising out of the tul, lleged or thretened dishrge, dispersl, seepge, migrtion, relese, espe or emission of "pollut nts" t ny time Pollutnt Relted Any loss, ost or expense rising out of ny: (1) Request, demnd, order or sttutory or regultory requirement tht ny insured or others test for, monitor, len up, remove, ontin, tret, detoxify or neutrlize, or in ny wy respond to, or ssess the effets of, "pollutnts"; or (2) Clim or suit y or on ehlf of governmentl uthority for dmges euse of testing for, monitoring, lening up, removing, ontining, treting, detoxifying or neutrlizing, or in ny wy responding to, or s sessing the effets of, "pollutnts" Asestos "Personl nd dvertising injury" rising out of, ttriutle to, or ny wy relted to sestos in ny form or trnsmitted in ny mnner Additionl Insured Prior Knowledge An dditionl insured dded y tth ment of n endorsement to this Coverge Prt tht is seeking overge for lim or "suit", if tht dditionl insured knew, per the following prgrph, tht "per sonl nd dvertising injury" offense hd een ommitted or hd egun to e ommitted, in whole or in prt, prior to the "overge term" in whih suh offense

10 r s ws ommitted or egn to e ommit ted An dditionl insured dded y tth ment of n endorsement to this Coverge Prt will e deemed to hve known tht "personl nd dvertising injury" offense hs een ommitted or hs egun to e ommitted t the erliest time when tht dditionl insured, or ny one of its own ers, memers, prtners, mngers, ex eutive offiers, "employees" ssigned to mnge tht dditionl insured s insur ne progrm, or "employees" ssigned to give or reeive notie of n "our rene", "personl nd dvertising injury" offense, lim or "suit": (1) Reports ll, or ny prt, of the "per sonl nd dvertising injury" to us or ny other insurer; (2) Reeives written or verl demnd or lim for dmges euse of the "personl nd dvertising injury"; (3) First oserves, or resonly should hve first oserved, the offense tht used the "personl nd dvertis ing injury"; (4) Beomes wre, or resonly should hve eome wre, y ny mens other thn s desried in (3) ove, tht the "personl nd dver tising injury" offense hd een om mitted or hd egun to e ommit ted; or (5) Beomes wre, or resonly should hve eome wre, of ondition from whih "personl nd dvertising injury" is sustntilly ertin to our Wr "Personl nd dvertising injury", how ever used, rising, diretly or indiretly, out of: (1) Wr, inluding undelred or ivil wr; (2) Wrlike tion y militry fore, in luding tion in hindering or de fending ginst n tul or ex peted ttk, y ny government, sovereign or other uthority using militry personnel or other gents; or (3) Insurretion, reellion, revolution, usurped power, or tion tken y governmentl uthority in hindering or defending ginst ny of these Distriution of Mteril in Violtion of Sttutes "Personl nd dvertising injury" rising diretly or indiretly out of ny tion or omission tht violtes or is lleged to violte: The Telephone Consumer Protetion At (TCPA), inluding ny mend ment of or ddition to suh lw; or The CAN SPAM At of 2003, inlud ing ny mendment of or ddition to suh lw; or Any sttute, ordinne or regultion, other thn the TCPA or CAN SPAM At of 2003, tht prohiits or limits the sending, trnsmitting, ommuniting or distriution of mteril or inform tion COVERAGE C MEDICAL PAYMENTS 1 Insuring Agreement We will py medil expenses s de sried elow for "odily injury" used y n ident: (1) On premises you own or rent; (2) On wys next to premises you own or rent; or (3) Beuse of your opertions; provided tht: 2 Exlusions (1) The ident tkes ple in the "overge territory" nd during the poliy period; (2) The expenses re inurred nd re ported to us within three yers of the dte of the ident; nd (3) The injured person sumits to ex mintion, t our expense, y physi ins of our hoie s often s we resonly require We will mke these pyments regrdless of fult These pyments will not exeed the pplile limit of insurne We will py resonle expenses for: (1) First id dministered t the time of n ident; (2) Neessry medil, surgil, x ry nd dentl servies, inluding pros theti devies; nd (3) Neessry mulne, hospitl, professionl nursing nd funerl servies We will not py expenses for "odily injury": Inludes opyrighted mteril of Insurne GA Servies Offie, In, with its permission Pge 10 of 23

11 Any Insured To ny insured, exept "volunteer work ers" Hired Person To person hired to do work for or on ehlf of ny insured or tennt of ny insured Injury on Normlly Oupied Premises To person injured on tht prt of prem ises you own or rent tht the person nor mlly oupies d Workers Compenstion nd Similr Lws e f g To person, whether or not n "em ployee" of ny insured, if enefits for the "odily injury" re pyle or must e provided under workers ompenstion or disility enefits lw or similr lw Athleti Ativities To ny person injured while offiiting, ohing, prtiing for, instruting or prtiipting in ny physil exerises or gmes, sports, or thleti ontests or ex hiitions of n thleti or sports nture Produts Completed Opertions Hz rd Inluded within the "produts ompleted opertions hzrd" Coverge A Exlusions Exluded under COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LI ABILITY SUPPLEMENTARY PAYMENTS A AND B COVERAGES We will py, with respet to ny lim we investi gte or settle, or ny "suit" ginst n insured we defend: 1 All expenses we inur 2 Up to $250 for ost of il onds required e use of idents or trffi lw violtions rising out of the use of ny vehile to whih the Bodily Injury Liility Coverge pplies We do not hve to furnish these onds 3 The ost of onds to relese tthments, ut only for ond mounts within the pplile limit of insurne We do not hve to furnish these onds 4 All resonle expenses inurred y the in sured t our request to ssist us in the inves tigtion or defense of the lim or "suit", in luding tul loss of ernings up to $250 dy euse of time off from work 5 All osts txed ginst the insured in the "suit" 6 Prejudgment interest wrded ginst the insured on tht prt of the judgment we e ome oligted to py nd whih flls within the pplile limit of insurne If we mke n offer to py the pplile limit of insur ne, we will not py ny prejudgment interest sed on tht period of time fter the offer 7 All interest on the full mount of ny judgment tht rues fter entry of the judgment nd efore we hve pid, offered to py, or de posited in ourt the prt of the judgment tht is within the pplile limit of insurne These pyments will not redue the limits of insur ne SECTION II WHO IS AN INSURED 1 If you re designted in the Delrtions s: d An individul, you nd your spouse re insureds, ut only with respet to the ondut of usiness of whih you re the sole owner A prtnership or joint venture, you re n insured Your memers, your prtners, nd their spouses re lso insureds, ut only with respet to the ondut of your usiness A limited liility ompny, you re n in sured Your memers re lso insureds, ut only with respet to the ondut of your usiness Your mngers re in sureds, ut only with respet to their du ties s your mngers An orgniztion other thn prtnership, joint venture or limited liility ompny, you re n insured Your "exeutive offi ers" nd diretors re insureds, ut only with respet to their duties s your offi ers or diretors Your stokholders re lso insureds, ut only with respet to their liility s stokholders e A trust, you re n insured Your trustees re lso insureds, ut only with respet to their duties s trustees 2 Eh of the following is lso n insured: Your "volunteer workers" only while per forming duties relted to the ondut of your usiness, or your "employees", other thn either your "exeutive offiers" (if you re n orgniztion other thn prtnership, joint venture or limited liility ompny) or your mngers (if you re limited liility ompny), ut only for ts Inludes opyrighted mteril of Insurne GA Servies Offie, In, with its permission Pge 11 of 23

12 within the sope of their employment y you or while performing duties relted to the ondut of your usiness However, none of these "employees" or "volunteer workers" re insureds for: (1) "Bodily injury" or "personl nd d vertising injury": () To you, to your prtners or memers (if you re prtner ship or joint venture), to your memers (if you re limited li ility ompny), to o "employee" while in the ourse of his or her employment or performing duties relted to the ondut of your usiness, or to your other "volunteer workers" while performing duties relted to the ondut of your usiness; () To the spouse, hild, prent, rother or sister of tht o "employee" or "volunteer worker" s onsequene of Prgrph (1)() ove; () For whih there is ny oligtion to shre dmges with or repy someone else who must py dmges euse of the injury desried in Prgrphs (1)() or () ove; or (d) Arising out of his or her provid ing or filing to provide profes sionl helth re servies (2) "Property dmge" to property: () Owned, oupied or used y; or () Rented to, in the re, ustody or ontrol of, or over whih physil ontrol is eing exer ised for ny purpose y, you, ny of your "employees", "vol unteer workers", ny prtner or memer (if you re prtnership or joint venture), or ny memer (if you re limited liility ompny) Any person (other thn your "employee" or "volunteer worker"), or ny orgniz tion while ting s your rel estte mn ger Any person or orgniztion hving proper temporry ustody of your property if you die, ut only: (1) With respet to liility rising out of the mintenne or use of tht prop erty; nd d (2) Until your legl representtive hs een ppointed Your legl representtive if you die, ut only with respet to duties s suh Tht representtive will hve ll your rights nd duties under this Coverge Prt 3 Any orgniztion you newly quire or form, other thn prtnership, joint venture or lim ited liility ompny, nd over whih you mintin ownership or mjority interest, will qulify s Nmed Insured if there is no other similr insurne ville to tht orgniz tion However: Insurne under this provision is fforded only until the 90th dy fter you quire or form the orgniztion or the end of the poliy period, whihever is erlier; COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY does not pply to "odily injury" or "property dmge" tht ourred efore you quired or formed the orgniztion; nd COVERAGE B PERSONAL AND AD VERTISING INJURY LIABILITY does not pply to "personl nd dvertising injury" rising out of n offense ommitted e fore you quired or formed the orgni ztion No person or orgniztion is n insured with re spet to the ondut of ny urrent or pst prt nership, joint venture or limited liility ompny tht is not shown s Nmed Insured in the De lrtions SECTION III LIMITS OF INSURANCE 1 The Limits of Insurne shown in the Delr tions nd the rules elow fix the most we will py regrdless of the numer of: Insureds; Clims mde or "suits" rought; or Persons or orgniztions mking lims or ringing "suits" 2 The Generl Aggregte Limit is the most we will py for the sum of: (1) Medil expenses under COVER AGE C MEDICAL PAYMENTS; (2) Dmges under COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY, exept dm ges euse of "odily injury" or "property dmge" inluded in the "produts ompleted opertions hzrd"; nd Inludes opyrighted mteril of Insurne GA Servies Offie, In, with its permission Pge 12 of 23

13 d (3) Dmges under COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY This Generl Aggregte Limit will not p ply if either the Lotion Generl Aggre gte Limit of Insurne, Prgrph 2, or the Constrution Projet Generl Ag gregte Limit of Insurne, Prgrph 2 pplies A seprte Lotion Generl Aggregte Limit of Insurne, equl to the mount of the Generl Aggregte Limit shown in the Delrtions, shll pply to eh lotion owned y, or rented or lesed to you nd is the most we will py for the sum of: (1) Dmges under COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY, exept dm ges euse of "odily injury" or "property dmge" inluded in the "produts ompleted opertions hzrd"; nd (2) Medil expenses under COVER AGE C MEDICAL PAYMENTS, whih n e ttriuted to opertions t only single lotion owned y, or rented or lesed to you A seprte Constrution Projet Generl Aggregte Limit of Insurne, equl to the mount of the Generl Aggregte Limit shown in the Delrtions, shll p ply to eh onstrution projet nd is the most we will py for the sum of: (1) Dmges under COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY, exept dm ges euse of "odily injury" or "property dmge" inluded in the "produts ompleted opertions hzrd"; nd (2) Medil expenses under COVER AGE C MEDICAL PAYMENTS; whih n e ttriuted only to ongoing opertions nd only t single onstru tion projet Only for the purpose of determining whih Generl Aggregte Limit of Insurne, 2, 2, or 2, pplies: (1) Lotion mens premises involving the sme or onneting lots, or premises, whose onnetion is inter rupted only y street, rodwy, wterwy or right of wy of ril rod (2) Constrution projet mens lo tion you do not own, rent or lese where ongoing improvements, l tertions, instlltion, demolition or mintenne work is performed y you or on your ehlf All onneted ongoing improvements, ltertions, instlltion, demolition or minte nne work performed y you or on your ehlf t the sme lotion for the sme persons or orgniztions, no mtter how often or under how mny different ontrts, will e deemed to e single onstrution projet 3 The Produts Completed Opertions Aggre gte Limit is the most we will py under COV ERAGE A BODILY INJURY AND PROP ERTY DAMAGE LIABILITY for dmges e use of "odily injury" nd "property dm ge" inluded in the "produts ompleted op ertions hzrd" 4 Sujet to 2 ove, the Personl nd Ad vertising Injury Limit is the most we will py under COVERAGE B PERSONAL AND AD VERTISING INJURY LIABILITY for the sum of ll dmges euse of ll "personl nd d vertising injury" sustined y ny one person or orgniztion 5 Sujet to 2 or 3 ove, whihever pplies, the Eh Ourrene Limit is the most we will py for the sum of: Dmges under COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LI ABILITY; nd Medil expenses under COVERAGE C MEDICAL PAYMENTS; euse of ll "odily injury" nd "property dmge" rising out of ny one "ourrene" 6 Sujet to 5 ove, the Dmge to Premises Rented to You Limit is the most we will py under COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY for dm ges euse of "property dmge" to ny one premises, while rented to you, or in the se of dmge y fire or explosion, while rented to you or temporrily oupied y you with permission of the owner 7 Sujet to 5 ove, the Medil Expense Limit is the most we will py under COVER AGE C MEDICAL PAYMENTS for ll medil expenses euse of "odily injury" sustined y ny one person The Limits of Insurne of this Coverge Prt p ply seprtely to eh "overge term" Inludes opyrighted mteril of Insurne GA Servies Offie, In, with its permission Pge 13 of 23

14 SECTION IV COMMERCIAL GENERAL LI ABILITY CONDITIONS 1 Bnkrupty Bnkrupty or insolveny of the insured or of the insured s estte will not relieve us of our oligtions under this Coverge Prt 2 Duties in the Event of Ourrene, Offense, Clim or Suit d You must see to it tht we re notified s soon s prtile of n "ourrene" or "personl nd dvertising injury" of fense whih my result in lim To the extent possile, notie should inlude: (1) How, when nd where the "our rene" or offense took ple; (2) The nmes nd ddresses of ny injured persons nd witnesses; nd (3) The nture nd lotion of ny injury or dmge rising out of the "our rene" or offense If lim is mde or "suit" is rought ginst ny insured, you must: (1) Immeditely reord the speifis of the lim or "suit" nd the dte re eived; nd (2) Notify us s soon s prtile You must see to it tht we reeive written notie of the lim or "suit" s soon s prtile You nd ny other involved insured must: (1) Immeditely send us opies of ny demnds, noties, summonses or legl ppers reeived in onnetion with the lim or "suit"; (2) Authorize us to otin reords nd other informtion; (3) Cooperte with us in the investig tion or settlement of the lim or de fense ginst the "suit"; nd (4) Assist us, upon our request, in the enforement of ny right ginst ny person or orgniztion whih my e lile to the insured euse of in jury or dmge to whih this insur ne my lso pply No insured will, exept t tht insured s own ost, voluntrily mke pyment, ssume ny oligtion, or inur ny ex pense, other thn for first id, without our onsent 3 Legl Ation Aginst Us No person or orgniztion hs right under this Coverge Prt: To join us s prty or otherwise ring us into "suit" sking for dmges from n insured; or To sue us on this Coverge Prt unless ll of its terms hve een fully omplied with A person or orgniztion my sue us to re over on n greed settlement or on finl judgment ginst n insured; ut we will not e lile for dmges tht re not pyle under the terms of this Coverge Prt or tht re in exess of the pplile limit of insur ne An greed settlement mens settle ment nd relese of liility signed y us, the insured nd the limnt or the limnt s le gl representtive 4 Lierliztion If, within 60 dys prior to the eginning of this Coverge Prt or during the poliy period, we mke ny hnges to ny forms or endorse ments of this Coverge Prt for whih there is urrently no seprte premium hrge, nd tht hnge provides more overge thn this Coverge Prt, the hnge will utomtilly pply to this Coverge Prt s of the ltter of: The dte we implemented the hnge in your stte; or The dte this Coverge Prt eme ef fetive; nd will e onsidered s inluded until the end of the urrent poliy period We will mke no dditionl premium hrge for this dditionl overge during the interim 5 Other Insurne If other vlid nd olletile insurne is ville to the insured for loss we over under COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY or COV ERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY of this Coverge Prt, our oligtions re limited s follows: Primry Insurne This insurne is primry exept when elow pplies If this insurne is pri mry, our oligtions re not ffeted unless ny of the other insurne is lso primry Then, we will shre with ll tht other insurne y the method desried in elow Exess Insurne This insurne is exess over: Inludes opyrighted mteril of Insurne GA Servies Offie, In, with its permission Pge 14 of 23

15 (1) Any of the other insurne, whether primry, exess, ontingent or on ny other sis: () Tht is Fire, Extended Cover ge, Builder s Risk, Instlltion Risk or similr insurne for "your work"; () Tht is Fire or Explosion insur ne for premises rented to you or temporrily oupied y you with permission of the owner; () Tht is insurne purhsed y you to over your liility s tennt for "property dmge" to premises rented to you or tem porrily oupied y you with permission of the owner; or (d) If the loss rises out of the mintenne or use of irrft, "utos" or wterrft to the ex tent not sujet to SECTION I COVERAGES, COVERAGE A BODILY INJURY AND PROP ERTY DAMAGE LIABILITY, 2 Exlusions, g Airrft, Auto or Wterrft (2) Any other primry insurne vil le to the insured overing liility for dmges rising out of the premises or opertions, or the prod uts nd ompleted opertions, for whih the insured hs een dded s n dditionl insured y tth ment of n endorsement (3) Any other insurne: () Whether primry, exess, on tingent or on ny other sis, exept when suh insurne is written speifilly to e exess over this insurne; nd () Tht is onsolidted (wrp up) insurne progrm whih hs een provided y the prime ontrtor/projet mnger or owner of the onsolidted proj et in whih you re involved When this insurne is exess, we will hve no duty under COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY or COVERAGE B PERSONAL AND ADVERTISING IN JURY LIABILITY to defend the insured ginst ny "suit" if ny other insurer hs duty to defend the insured ginst tht "suit" If no other insurer defends, we will undertke to do so, ut we will e entitled to the insured s rights ginst ll those other insurers When this insurne is exess over other insurne, we will py only our shre of the mount of the loss, if ny, tht ex eeds the sum of: (1) The totl mount tht ll suh other insurne would py for the loss in the sene of this insurne; nd (2) The totl of ll dedutile nd self insured mounts under ll tht other insurne We will shre the remining loss, if ny, with ny other insurne tht is not de sried in this Exess Insurne provi sion nd ws not ought speifilly to pply in exess of the Limits of Insurne shown in the Delrtions of this Cover ge Prt Method of Shring If ll of the other insurne permits on triution y equl shres, we will follow this method lso Under this pproh eh insurer ontriutes equl mounts until it hs pid its pplile limit of in surne or none of the loss remins, whihever omes first If ny of the other insurne does not permit ontriution y equl shres, we will ontriute y limits Under this method, eh insurer s shre is sed on the rtio of its pplile limit of insurne to the totl pplile limits of insurne of ll insurers 6 Premium Audit We will ompute ll premiums for this Coverge Prt in ordne with our rules nd rtes Premium shown in this Coverge Prt s dvne premium is deposit premium only At the lose of eh udit period we will ompute the erned premium for tht period nd send notie to the first Nmed Insured The due dte for udit nd ret rospetive premiums is the dte shown s the due dte on the ill If: (1) The erned premium is less thn the deposit premium, we will return the exess to the first Nmed Insured; or (2) The erned premium is greter thn the deposit premium, the differene will e due nd pyle to us y the first Nmed Insured upon notie from us The first Nmed Insured must keep re ords of the informtion we need for pre mium omputtion, nd send us opies t suh times s we my request Inludes opyrighted mteril of Insurne GA Servies Offie, In, with its permission Pge 15 of 23

16 7 Representtions By epting this Coverge Prt, you gree: The sttements in the Delrtions re urte nd omplete; Those sttements re sed upon repre senttions you mde to us; nd We hve issued this Coverge Prt in re line upon your representtions 8 Seprtion of Insureds Exept with respet to the Limits of Insurne, nd ny rights or duties speifilly ssigned in this Coverge Prt to the first Nmed In sured, this insurne pplies: As if eh Nmed Insured were the only Nmed Insured; nd Seprtely to eh insured ginst whom lim is mde or "suit" is rought 9 Trnsfer of Rights of Reovery Aginst Others to Us If the insured hs rights to reover ll or prt of ny pyment we hve mde under this Coverge Prt, those rights re trnsferred to us The insured must do nothing fter loss to impir them At our request, the insured will ring "suit" or trnsfer those rights to us nd help us enfore them 10 Two or More Coverge Forms or Poliies Issued y Us If this Coverge Prt nd ny other Coverge Form, Coverge Prt or poliy issued to you y us or ny ompny ffilited with us pply to the sme "ourrene" or "personl nd dvertising injury" offense, the ggregte mximum limit of insurne under ll the Cov erge Forms, Coverge Prts or poliies shll not exeed the highest pplile limit of in surne under ny one Coverge Form, Cov erge Prt or poliy This ondition does not pply to ny Coverge Form, Coverge Prt or poliy issued y us or n ffilited ompny speifilly to pply s exess insurne over this Coverge Prt 11 When We Do Not Renew If we deide not to renew this Coverge Prt, we will mil or deliver to the first Nmed In sured shown in the Delrtions written notie of the nonrenewl not less thn 30 dys e fore the expirtion dte If notie is miled, proof of miling will e suf fiient proof of notie SECTION V DEFINITIONS 1 "Advertisement" mens notie tht is rod st, telest or pulished to the generl pu li or speifi mrket segments out your goods, produts or servies for the purpose of ttrting ustomers or supporters "Adver tisement" inludes puliity rtile For pur poses of this definition: Inludes opyrighted mteril of Insurne GA Servies Offie, In, with its permission Pge 16 of 23 Noties tht re pulished inlude mte ril pled on the Internet or on similr eletroni mens of ommunition; nd Regrding we sites, only tht prt of we site tht is out your goods, prod uts or servies for the purposes of t trting ustomers or supporters is on sidered n "dvertisement" 2 "Authorized representtive" mens: If you re designted in the Delrtions s: (1) An individul, you nd your spouse re "uthorized representtives" (2) A prtnership or joint venture, your memers, your prtners, nd their spouses re "uthorized represent tives" (3) A limited liility ompny, your memers nd your mngers re "uthorized representtives" (4) An orgniztion other thn prt nership, joint venture or limited liil ity ompny, your "exeutive offi ers" nd diretors re "uthorized representtives" Provided you re not pulily trded orgniztion, your stokholders re lso "uthor ized representtives" (5) A trust, your trustees re "uthorized representtives" Your "employees": (1) Assigned to mnge your insurne progrm; or (2) Responsile for giving or reeiving notie of n "ourrene", "personl nd dvertising injury" offense, lim or "suit"; re lso "uthorized representtives" 3 "Auto" mens: A lnd motor vehile, triler or semitriler designed for trvel on puli rods, in luding ny tthed mhinery or equipment; or Any other lnd vehile tht is sujet to ompulsory or finnil responsiility lw or other motor vehile insurne lw in the stte where it is liensed or priniplly grged

17 However, "uto" does not inlude "moile equipment" 4 "Bodily injury" mens odily injury, sikness or disese sustined y person, inluding deth resulting from ny of these t ny time 5 "Coverge term" mens the following individ ul inrement, or if multi yer poliy period, inrements, of time, whih omprise the poliy period of this Coverge Prt: The yer ommening on the Effetive Dte of this Coverge Prt t 12:01 AM stndrd time t your miling ddress shown in the Delrtions, nd if multi yer poliy period, eh onseutive n nul period therefter, or portion thereof if ny period is for period of less thn 12 months, onstitute individul "overge terms" The lst "overge term" ends t 12:00 AM stndrd time t your miling ddress shown in the Delrtions on the erlier of: (1) The dy the poliy period shown in the Delrtions ends; or (2) The dy the poliy to whih this Cov erge Prt is tthed is terminted or nelled However, if fter the issune of this Coverge Prt, ny "overge term" is extended for n dditionl period of less thn 12 months, tht dditionl period of time will e deemed to e prt of the lst preeding "overge term" 6 "Coverge territory" mens: The United Sttes of Ameri (inluding its territories nd possessions), Puerto Rio nd Cnd; Interntionl wters or irspe, ut only if the injury or dmge ours in the ourse of trvel or trnsporttion etween ny ples inluded in ove; or All other prts of the world if the injury or dmge rises out of: (1) Goods or produts mde or sold y you in the territory desried in ove; (2) The tivities of person whose home is in the territory desried in ove, ut is wy for short time on your usiness; or (3) "Personl nd dvertising injury" of fenses tht tke ple through the Internet or similr eletroni mens of ommunition, provided the insured s responsiility to py dmges is determined in "suit" on the merits, in the territory desried in ove or in settlement to whih we gree 7 "Eletroni dt" mens informtion, fts or progrms stored s or on, reted or used on, or trnsmitted to or from omputer softwre, inluding systems nd pplitions softwre, hrd or floppy disks, CD ROMs, tpes, drives, ells, dt proessing devies or ny other medi whih re used with eletronilly on trolled equipment 8 "Employee" inludes "lesed worker" "Em ployee" does not inlude "temporry worker" 9 "Exeutive offier" mens person holding ny of the offier positions reted y your hrter, onstitution, y lws or ny other similr governing doument 10 "Hostile fire" mens one whih eomes un ontrollle or reks out from where it ws intended to e 11 "Impired property" mens tngile property, other thn "your produt" or "your work", tht nnot e used or is less useful euse: Inludes opyrighted mteril of Insurne GA Servies Offie, In, with its permission Pge 17 of 23 It inorportes "your produt" or "your work" tht is known or thought to e de fetive, defiient, indequte or dnger ous; or You hve filed to fulfill the terms of ontrt or greement; if suh property n e restored to use y: The repir, replement, djustment or removl of "your produt" or "your work"; or Your fulfilling the terms of the ontrt or greement 12 "Insured ontrt" mens: A ontrt for lese of premises How ever, tht portion of the ontrt for lese of premises tht indemnifies ny person or orgniztion for "property dmge" y fire or explosion to premises while rented to you or temporrily ou pied y you with permission of the owner is not n "insured ontrt"; d A sidetrk greement; Any esement or liense greement, ex ept in onnetion with onstrution or demolition opertions on or within 50 feet of rilrod; An oligtion, s required y ordinne, to indemnify muniiplity, exept in onnetion with work for muniiplity;

18 e f An elevtor mintenne greement; Tht prt of ny other ontrt or gree ment pertining to your usiness (inlud ing n indemnifition of muniiplity in onnetion with work performed for muniiplity) under whih you ssume the tort liility of nother prty to py for "odily injury", "property dmge" or "personl nd dvertising injury" to third person or orgniztion Tort liility mens liility tht would e imposed y lw in the sene of ny ontrt or greement Prgrph f does not inlude tht prt of ny ontrt or greement: (1) Tht indemnifies rilrod for "odily injury", "property dmge" or "per sonl nd dvertising injury" rising out of onstrution or demolition op ertions, within 50 feet of ny ril rod property nd ffeting ny ril rod ridge or trestle, trks, rod eds, tunnel, underpss or rossing; (2) Tht indemnifies n rhitet, engi neer or surveyor for injury or dmge rising out of: () Prepring, pproving, or filing to prepre or pprove, mps, shop drwings, opinions, re ports, surveys, field orders, hnge orders or drwings nd speifitions; or () Giving diretions or instrutions, or filing to give them, if tht is the primry use of the injury or dmge; (3) Under whih the insured, if n rhi tet, engineer or surveyor, ssumes liility for n injury or dmge ris ing out of the insured s rendering or filure to render professionl serv ies, inluding those listed in Pr grph (2) ove nd supervisory, in spetion, rhiteturl or engineering tivities; (4) Tht indemnifies n dvertising, pu li reltions or medi onsulting firm for "personl nd dvertising injury" rising out of the plnning, exeution or filure to exeute mrketing om munitions progrms Mrketing ommunitions progrms inlude ut re not limited to omprehensive mrketing mpigns; onsumer, trde nd orporte dvertising for ll medi; medi plnning, uying, monitoring nd nlysis; diret mil; promotion; sles mterils; design; presenttions; point of sle mteri ls; mrket reserh; puli reltions nd new produt development; (5) Under whih the insured, if n dver tising, puli reltions or medi on sulting firm, ssumes liility for "personl nd dvertising injury" rising out of the insured s rendering or filure to render professionl servies, inluding those servies listed in Prgrph (4), ove; (6) Tht indemnifies we site designer or ontent provider, or Internet serh, ess, ontent or servie provider for injury or dmge rising out of the plnning, exeution or fil ure to exeute Internet servies Internet servies inlude ut re not limited to design, prodution, distri ution, mintenne nd dministr tion of we sites nd we nners; hosting we sites; registering do min nmes; registering with serh engines; mrketing nlysis; nd providing ess to the Internet or other similr networks; or (7) Under whih the insured, if we site designer or ontent provider, or Internet serh, ess, ontent or servie provider, ssumes liility for injury or dmge rising out of the insured s rendering or filure to ren der Internet servies, inluding those listed in Prgrph (6), ove 13 "Lesed worker" mens person lesed to you y lor lesing firm under n gree ment etween you nd the lor lesing firm, to perform duties relted to the ondut of your usiness "Lesed worker" inludes su pervisors furnished to you y the lor lesing firm "Lesed worker" does not inlude "temporry worker" 14 "Loding or unloding" mens the hndling of property: Inludes opyrighted mteril of Insurne GA Servies Offie, In, with its permission Pge 18 of 23 After it is moved from the ple where it is epted for movement into or onto n irrft, wterrft or "uto"; While it is in or on n irrft, wterrft or "uto"; or While it is eing moved from n irrft, wterrft or "uto" to the ple where it is finlly delivered; ut "loding or unloding" does not inlude the movement of property y mens of me hnil devie, other thn hnd truk, tht is not tthed to the irrft, wterrft or "uto"

19 15 "Moile equipment" mens ny of the follow ing types of lnd vehiles, inluding ny t thed mhinery or equipment: d e f Bulldozers, frm mhinery, forklifts nd other vehiles designed for use prini plly off puli rods; Vehiles mintined for use solely on or next to premises you own or rent; Vehiles tht trvel on rwler treds; Vehiles, whether self propelled or not, mintined primrily to provide moility to permnently mounted: (1) Power rnes, shovels, loders, dig gers or drills; or (2) Rod onstrution or resurfing equipment suh s grders, srp ers or rollers; Vehiles not desried in,, or d ove tht re not self propelled nd re mintined primrily to provide moility to permnently tthed equipment of the following types: (1) Air ompressors, pumps nd gen ertors, inluding sprying, welding, uilding lening, geophysil explo rtion, lighting nd well serviing equipment; or (2) Cherry pikers nd similr devies used to rise or lower workers; Vehiles not desried in,, or d ove mintined primrily for purposes other thn the trnsporttion of persons or rgo However, self propelled vehiles with the following types of permnently tthed equipment re not "moile equipment" ut will e onsidered "utos": (1) Equipment designed primrily for: () Snow removl; () Rod mintenne, ut not on strution or resurfing; or () Street lening; (2) Cherry pikers nd similr devies mounted on utomoile or truk hssis nd used to rise or lower workers; nd (3) Air ompressors, pumps nd gen ertors, inluding sprying, welding, uilding lening, geophysil explo rtion, lighting nd well serviing equipment However, "moile equipment" does not in lude ny lnd vehiles tht re sujet to ompulsory or finnil responsiility lw or other motor vehile insurne lw in the stte where it is liensed or priniplly grged Lnd vehiles sujet to ompulsory or fi nnil responsiility lw or other motor vehi le insurne lw re onsidered utos 16 "Ourrene" mens n ident, inluding ontinuous or repeted exposure to sustn tilly the sme generl hrmful onditions 17 "Personl nd dvertising injury" mens in jury, inluding onsequentil "odily injury", rising out of one or more of the following of fenses: Inludes opyrighted mteril of Insurne GA Servies Offie, In, with its permission Pge 19 of 23 d e f g Flse rrest, detention or imprisonment; Mliious proseution; The wrongful evition from, wrongful entry into, or invsion of the right of privte o upny of room, dwelling or premises tht person oupies, ommitted y or on ehlf of its owner, lndlord or lessor; Orl or written pulition, in ny mnner, of mteril tht slnders or liels per son or orgniztion or disprges per son s or orgniztion s goods, produts or servies; Orl or written pulition, in ny mnner, of mteril tht violtes person s right of privy; The use of nother s dvertising ide in your "dvertisement"; or Infringing upon nother s opyright, trde dress or slogn in your "dvertisement" 18 "Pollutnt" mens ny solid, liquid, gseous or therml irritnt or ontminnt, inluding smoke, vpor, soot, fumes, ids, lklis, hemils, petroleum, petroleum produts nd petroleum y produts, nd wste Wste inludes mterils to e reyled, re onditioned or relimed "Pollutnts" inlude ut re not limited to sustnes whih re generlly reognized in industry or govern ment to e hrmful or toxi to persons, prop erty or the environment regrdless of whether the injury or dmge is used diretly or indi retly y the "pollutnts" nd whether: The insured is regulrly or otherwise en gged in tivities whih tint or degrde the environment; or The insured uses, genertes or produes the "pollutnt" 19 "Produts ompleted opertions hzrd": Inludes ll "odily injury" nd "property dmge" ourring wy from premises

20 you own or rent nd rising out of "your produt" or "your work" exept: (1) Produts tht re still in your physil possession; or (2) Work tht hs not yet een om pleted or ndoned However, "your work" will e deemed om pleted t the erliest of the following times: () When ll of the work lled for in your ontrt hs een om pleted; or () When ll of the work to e done t the jo site hs een om pleted if your ontrt lls for work t more thn one jo site; or () When tht prt of the work done t jo site hs een put to its intended use y ny person or orgniztion other thn nother ontrtor or suontrtor working on the sme projet Work tht my need servie, min tenne, orretion, repir or re plement, ut whih is otherwise omplete, will e treted s om pleted Does not inlude "odily injury" or "prop erty dmge" rising out of: (1) The trnsporttion of property, un less the injury or dmge rises out of ondition in or on vehile not owned or operted y you, nd tht ondition ws reted y the "lod ing or unloding" of tht vehile y ny insured; (2) The existene of tools, uninstlled equipment or ndoned or unused mterils; or (3) Produts or opertions for whih the lssifition, listed in the Delr tions or in shedule, sttes tht produts ompleted opertions re inluded 20 "Property dmge" mens: Physil injury to tngile property, in luding ll resulting loss of use of tht property All suh loss of use shll e deemed to our t the time of the physi l injury tht used it; or Loss of use of tngile property tht is not physilly injured All suh loss of use shll e deemed to our t the time of the "ourrene" tht used it For the purposes of this insurne, "eletroni dt" is not tngile property 21 "Suit" mens ivil proeeding in whih money dmges euse of "odily injury", "property dmge" or "personl nd dvertis ing injury" to whih this insurne pplies re lleged "Suit" inludes: An ritrtion proeeding in whih suh dmges re limed nd to whih the insured must sumit or does sumit with our onsent; Any other lterntive dispute resolution proeeding in whih suh dmges re limed nd to whih the insured sumits with our onsent; or An ppel of ivil proeeding 22 "Temporry worker" mens person who is furnished to you to sustitute for permnent "employee" on leve or to meet sesonl or short term worklod onditions 23 "Volunteer worker" mens person who is not your "employee", nd who dontes his or her work nd ts t the diretion of nd within the sope of duties determined y you, nd is not pid fee, slry or other ompen stion y you or nyone else for their work performed for you 24 "Workple" mens tht ple nd during suh hours to whih the "employee" sustin ing "odily injury" ws ssigned y you, or ny other person or entity ting on your e hlf, to work on the dte of "ourrene" 25 "Your produt": Mens: (1) Any goods or produts, other thn rel property, mnuftured, sold, hndled, distriuted or disposed of y: () You; () Others trding under your nme; or () A person or orgniztion whose usiness or ssets you hve quired; nd (2) Continers (other thn vehiles), mterils, prts or equipment fur nished in onnetion with suh goods or produts Inludes: (1) Wrrnties or representtions mde t ny time with respet to the fit ness, qulity, durility, performne or use of "your produt"; nd Inludes opyrighted mteril of Insurne GA Servies Offie, In, with its permission Pge 20 of 23

21 26 "Your work": (2) The providing of or filure to provide wrnings or instrutions Does not inlude vending mhines or other property rented to or loted for the use of others ut not sold Mens: (1) Work or opertions performed y you or on your ehlf; nd (2) Mterils, prts or equipment fur nished in onnetion with suh work or opertions Inludes: (1) Wrrnties or representtions mde t ny time with respet to the fit ness, qulity, durility, performne or use of "your work"; nd (2) The providing of or filure to provide wrnings or instrutions Inludes opyrighted mteril of Insurne GA Servies Offie, In, with its permission Pge 21 of 23

22 NUCLEAR ENERGY LIABILITY EXCLUSION (Brod Form) 1 The insurne does not pply: A B C Under ny Liility Coverge, to "odily injury" or "property dmge": (1) With respet to whih n insured un der this Coverge Prt is lso n in sured under nuler energy liility poliy issued y Nuler Energy Li ility Insurne Assoition, Mutul Atomi Energy Liility Underwriters, Nuler Insurne Assoition of Cnd, or ny of their suessors, or would e n insured under ny suh poliy ut for its termintion upon exhustion of its limit of liility; or (2) Resulting from the "hzrdous prop erties" of "nuler mteril" nd with respet to whih () ny person or orgniztion is required to mintin finnil protetion pursunt to the Atomi Energy At of 1954, or ny lw mendtory thereof, or () the insured is, or hd this Coverge Prt not een issued would e, entitled to indemnity from the United Sttes of Ameri, or ny geny thereof, un der ny greement entered into y the United Sttes of Ameri, or ny geny thereof, with ny person or orgniztion Under ny Medil Pyments overge, to expenses inurred with respet to "odily injury" resulting from the "hzrd ous properties" of "nuler mteril" nd rising out of the opertion of "nuler fility" y ny person or orgniztion Under ny Liility Coverge, to "odily injury" or "property dmge" resulting from the "hzrdous properties" of "nu ler mteril", if: (1) The "nuler mteril" () is t ny "nuler fility" owned y, or oper ted y or on ehlf of, n insured, or () hs een dishrged or dis persed therefrom; (2) The "nuler mteril" is ontined in "spent fuel" or "wste" t ny time possessed, hndled, used, pro essed, stored, trnsported or dis posed of, y or on ehlf of n in sured; or (3) The "odily injury" or "property dm ge" rises out of the furnishing y n insured of servies, mterils, prts or equipment in onnetion with the plnning, onstrution, mintenne, opertion or use of ny "nuler fility", ut if suh f ility is loted within the United Sttes of Ameri, its territories or possessions or Cnd, this Exlu sion (3) pplies only to "property dmge" to suh "nuler fility" nd ny property theret 2 As used in this exlusion: "Hzrdous properties" inludes rdiotive, toxi or explosive properties "Nuler mteril" mens "soure mteril", "speil nuler mteril" or "y produt m teril" "Soure mteril", "speil nuler mteril", nd "y produt mteril" hve the menings given them in the Atomi Energy At of 1954 or in ny lw mendtory thereof "Spent fuel" mens ny fuel element or fuel omponent, solid or liquid, whih hs een used or exposed to rdition in "nuler re tor" "Wste" mens ny wste mteril () on tining "y produt mteril" other thn the tilings or wstes produed y the extrtion or onentrtion of urnium or thorium from ny ore proessed primrily for its "soure mteril" ontent, nd () resulting from the opertion y ny person or orgniztion of ny "nuler fility" inluded under the first two prgrphs of the definition of "nuler fility" "Nuler fility" mens: A B C Any "nuler retor"; Any equipment or devie designed or used for (1) seprting the isotopes of urnium or plutonium, (2) proessing or utilizing "spent fuel", or (3) hndling, proessing or pkging "wste"; Any equipment or devie used for the proessing, friting or lloying of "speil nuler mteril" if t ny time the totl mount of suh mteril in the ustody of the insured t the premises where suh equipment or devie is lo ted onsists of or ontins more thn 25 grms of plutonium or urnium 233 or ny omintion thereof, or more thn 250 grms of urnium 235; Inludes opyrighted mteril of Insurne GA Servies Offie, In, with its permission Pge 22 of 23

23 D Any struture, sin, exvtion, prem ises or ple prepred or used for the storge or disposl of "wste"; nd inludes the site on whih ny of the foregoing is loted, ll opertions onduted on suh site nd ll premises used for suh opertions "Nuler retor" mens ny pprtus de signed or used to sustin nuler fission in self supporting hin retion or to ontin ritil mss of fissionle mteril "Property dmge" inludes ll forms of r diotive ontmintion of property Inludes opyrighted mteril of Insurne GA Servies Offie, In, with its permission Pge 23 of 23