GENERAL LIABILITY UNDERWRITING REQUIREMENTS

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1 REQUIREMENTS GENERAL LIABILITY Casualty business that you can quote, bind and issue must meet the following requirements: The Classification Manual must indicate that the Classification is Contract or PDQ business. You may quote, bind and issue Submit business after receiving prior approval from your Colony Underwriter. The risk must not fall in any way into the Prohibit classes of business. Primary casualty coverage may be written on the ISO Simplified Rating Plan using only the ISO Simplified Coverage Forms and approved Colony Management Forms. Policies are to be written on an annual basis only with the exception of Special Event policies & risks eligible for the Vacant Bldg PDQ. All other requests for short or extended term policies should be referred to the Company. Obtain payroll/receipts on all risks to help determine if the rating base is realistic. Coverage may only be written on Occurrence Form CG PDQ rates must be used in lieu of ISO rates, where provided. Risks that have had more than 3 losses in the previous 3 years and any one loss greater than $5,000 must be submitted. For A rate classifications, contact your Contract Underwriter if not listed in the CLM. In the event of cancellation, a 25% minimum earned premium is required based on the estimated annual premium. No downward adjustment is allowed. The company reserves the right to conduct audits and adjust the premium upward. You are expected to use underwriting judgment in binding any risk. GL-1 5/7/2010

2 The following exposures of business are unacceptable and coverage must not be written involving any of these exposures. 1. COMMERCIAL GENERAL LIABILITY: a. Demolition of buildings more than 36 feet in height b. Amusement parks or devices, midway rides, carnivals, circuses and motor sports events c. Blasting or excavating operations d. Production of motion pictures e. All mining or quarrying operations f. Tunnel or subway construction g. Work on or navigation of any oceangoing vessel h. Marine wrecking, including repair, cleaning, or demolition of vessels or barges i. Offshore or submarine operations j. Railroads, including street railways, manufacturers of railroad equipment and contractors doing repair work on railroad equipment, except side track agreements k. Aircraft, airports or flight operations l. All governmental bodies m. Natural or artificial fuel gas, butane, propane or liquefied petroleum gases, gasoline or fuel oils, except with respect to: (1) Wholesale distribution of gasoline and fuel oils within a 50-mile radius (2) Storage of gasoline and fuel oils with a combined total capacity of up to 75,000 gallons (3) Retail service stations n. Manufacturing of any explosive substance intended for use as an explosive o. Handling, transportation or storage of explosives, ammunitions or ammonium nitrates p. Gas or public utility companies q. Property damage liability arising out of the blasting, implosion, shoring or moving of buildings or structures r. Liquor liability, except when written in conjunction with general liability insurance and may be written only by special approval of the company (see PDQs where available) s. Products and completed operations as respects: (1) The manufacture, sale, handling or distribution of aircraft, aircraft parts, spacecraft or spacecraft components (2) The manufacture of drugs, pharmaceuticals, vitamins, herbal dietary supplements, cosmetics, hair, scalp, or skin products (3) The manufacture, blending, and wholesale distribution of agricultural chemicals t. Products recall insurance u. Any Endorsements to broaden the coverage of the policy that are not approved by your Colony Underwriter v. Any risk with fireworks or pyrotechnical exposures are to be prohibited (even if subcontracted) GL-2 5/7/2010

3 LIMITS OF LIABILITY **Maximum Limits of Liability - Final Underwriting Authority Rests with the Company. A. General Aggregate (other than Products-Completed Operations): $2,000,000 B. Products Completed Operations Aggregate Limit: $2,000,000 C. Personal Injury & Advertising Injury Limit: $1,000,000 D. Each Occurrence Limit: $1,000,000 E. Damage to Premises Rented to You: $ 100,000 F. Medical Expense Limit: $ 5,000 Damage to Premises Rented to You limit can be increased to $300,000 for $300 additional premium. **SUBMIT FOR HIGHER LIMITS MINIMUM PREMIUMS If General Liability (mono-line or packaged) is over $25,000 in premium, submit to your Underwriter. DEDUCTIBLES GENERAL LIABILITY GL Limit GL M.P. Monoline GL M.P. if Part of Package $300,000 $550 $450 $500,000 $650 $550 $1,000,000 $750 $650 $250 minimum deductible is required for most Casualty Business. The agent may add a deductible up to $1,000 if the risk is improved with a deductible. Deductible credits are not applicable and should not be used without company approval. GL-3 5/7/2010

4 Personal Injury and Advertising Injury are prohibited on the following classes: Accountants Offices Advertising Companies Banks Church Program Credit Investigation Companies Collection Companies Computer related risks Employment Agencies and Contract Labor Finance Companies Insurance Agents Known Personalities Lawyers Offices Political Campaign or Office Headquarters Printers Publishers Radio or TV Broadcast Stations Real Estate Agents (PROHIBITED CLASS) Record, Tape or Video Manufacturing Recording Studios Sign Companies Stock Brokerages Theatrical Companies Travel Agencies GL-4 5/7/2010

5 FORMS The following are mandatory for all Contract policies (EXCEPT FARM & RANCH; OCP and INLAND MARINE) All exceptions must be approved by your Underwriter. In addition to the following forms, see the terrorism section for all applicable mandatory forms and procedures. MANDATORY FORMS PJCG POLICY JACKET PJCICFL POLICY JACKET (FLORIDA RISKS ONLY) DCJ6550 COMMON POLICY DECLARATIONS DCJ6553 COMMON GENERAL LIABILITY COVERAGE PART DECLARATIONS IL0017 COMMON POLICY CONDITIONS IL0021 NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT BROAD FORM PRIVACY NOTICE PRIVACY NOTICE SLBDATA SURPLUS LINES BROKER DATA TXNOTICE TEXAS POLICYHOLDER NOTICE CG0001 COMMERCIAL GENERAL LIABILITY COVERAGE FORM (OCCURRENCE) CG0068 RECORDING AND DISTRIBUTION OF MATERIAL OR INFORMATION IN VIOLATION OF LAW EXCLUSION CG2167 FUNGI OR BACTERIA EXCLUSION U001 SCHEDULE OF FORMS U002 MINIMUM POLICY PREMIUM U003 HAZARDOUS MATERIALS EXCLUSION U004 MISCELLANEOUS EXCLUSIONS ENDORSEMENT U048 EMPLOYEMENT-RELATED PRACTICES EXCLUSION U094 SERVICE OF SUIT U159 LIMITATION OF COVERAGE TO BUSINESS DESCRIPTION (COMPLETE WITH DESCRIPTION FROM CLASS CODES-NO NOC DESCRIPTION OR FROM APPLICATION TO LIMIT COVERAGE TO RISK ASSUMED- CALL YOUR UNDERWRITER IF YOU ARE NOT SURE) U173 CANCELLATION (OR ATTACH THE STATE SPECIFIC UIL FORM FOR AK, AR, CT, FL, IA, IN, KS, ME, MT, NM, NV, OK, PA, SC, VT, WA, WY) U608 NEW YORK CHANGES CONDITIONS U612 EXCLUSION ASBESTOS, LEAD OR SILICA UIL0146 CANCELLATION AND NON-RENEWAL WASHINGTON UIL0219 VERMONT CHANGES CANCELLATION AND NON-RENEWAL UIL0231 ARKANSAS CHANGES CANCELLATION AND NON-RENEWAL UIL0236 OKLAHOMA CHANGES CANCELLATION AND NON-RENEWAL UIL0243 MONTANA CANCELLATION AND NON-RENEWAL UIL0246 PENNSYLVANIA CHANGES CANCELLATION AND NON-RENEWAL UIL0247 CANCELLATION AND NON-RENEWAL MAINE UIL0249 SOUTH CAROLINA CHANGES CANCELLATION AND NON-RENEWAL UIL0251 NEVADA CHANGES CANCELLATION AND NON-RENEWAL UIL0252 WYOMING CHANGES CANCELLATION AND NON-RENEWAL UIL0255 FLORIDA CHANGES CANCELLATION AND NON-RENEWAL GL-5 5/7/2010

6 UIL0260 UIL0261 UIL0272 UIL0276 UIL0280 UIL0298 CONNECTICUT CHANGES CANCELLATION AND NON-RENEWAL KANSAS CHANGES CANCELLATION AND NON-RENEWAL INDIANA CHANGES CANCELLATION AND NON-RENEWAL IOWA CHANGES CANCELLATION AND NON-RENEWAL ALASKA CHANGES CANCELLATION AND NON-RENEWAL NEW MEXICO CHANGES CANCELLATION AND NON-RENEWAL OPTIONAL FORMS CG0108 ALABAMA & LOUISIANA CHANGES WHO IS AN INSURED CG0168 MICHIGAN CHANGES CG0205 TEXAS CHANGES AMENDMENT OF CANC. PROVISIONS OR COVG. CHANGE CG2002 ADDITIONAL INSURED CLUB MEMBERS CG2003 ADDITIONAL INSURED CONCESSIONAIRES TRADING UNDER YOUR NAME CG2004 ADDITIONAL INSURED CONDO UNIT OWNERS CG2005 ADDITIONAL INSURED CONTROLLING INTEREST CG2008 ADDITIONAL INSURED USERS OF GOLFMOBILES CG /04 ADDITIONAL INSURED OWNERS, LESSEES, OR CONTRACTORS-SCHEDULED PERSON OR ORGANIZATION CG2012 ADDITIONAL INSURED STATE OR POLITICAL SUBDIVISIONS PERMITS CG2013 ADDITIONAL INSURED STATE OR POLITICAL SUBDIVISIONS PERMITS RELATING TO PREMISES CG2015 ADDITIONAL INSURED VENDORS CG2017 ADDITIONAL INSURED TOWNHOUSE ASSOCIATIONS CG2018 ADDITIONAL INSURED MORTGAGEE, ASSIGNEE OR RECEIVER CG2020 ADDITIONAL INSURED CHARITABLE INSTITUTIONS CG2022 ADDITIONAL INSURED CHURCH MEMBERS AND OFFICERS CG2024 ADDITIONAL INSURED OWNERS OR OTHER INTERESTS FROM WHOM LAND HAS BEEN LEASED CG2027 ADDITIONAL INSURED CO-OWNER OF INSURED PREMISES CG2029 ADDITIONAL INSURED GRANTOR OR FRANCHISE CG2031 ADDITIONAL INSURED ENGINEERS, ARCHITECTS, SURVEYORS CG2035 ADDITIONAL INSURED GRANTOR OF LICENSES-AUTOMATIC STATUS WHEN REQUIRED BY LESSOR CG2036 ADDITIONAL INSURED GRANTOR OF LICENSES CG /04 ADDITIONAL INSURED OWNERS, LESSEES OR CONTRACTORS COMPLETED OPERATIONS CG2100 EXCLUSION ALL HAZARDS IN CONNECTION WITH DESIGNATED PREMISES CG2104 EXCLUSION PRODUCTS-COMPLETED OPERATIONS HAZARD CG2116 EXCLUSION DESIGNATED PROFESSIONAL SERVICES CG2117 EXCLUSION MOVEMENT OF BUILDINGS OR STRUCTURES CG2131 LIMITED EXCLUSION-DESIGNATED OPERATIONS COVERED BY A CONSOLIDATED (WRAP-UP) INSURANCE PROGRAM CG2132 COMMUNICABLE DISEASE EXCLUSION CG2133 EXCLUSION DESIGNATED PRODUCTS CG2134 EXCLUSION DESIGNATED WORK GL-6 5/7/2010

7 CG2135 CG2136 CG2137 CG2138 CG2139 CG2145 CG2146 CG2152 CG2153 CG2154 CG2156 CG2157 CG2159 CG2166 CG2167 CG2186 CG2224 CG2228 CG2229 CG2230 CG2233 CG2234 CG2238 CG2239 CG2240 CG2241 CG2242 CG2243 CG2244 CG2245 CG2248 CG2250 CG2253 CG2258 CG2260 CG2266 CG2267 CG2270 CG2271 CG2272 CG2275 EXCLUSION COVERAGE C MEDICAL PAYMENTS EXCLUSION NEW ENTITIES EXCLUSION EMPLOYEES AND VOLUNTEER WORKERS AS INSUREDS EXCLUSION PERSONAL AND ADVERTISING INJURY CONTRACTUAL LIABILITY LIMITATION EXCLUSION DAMAGE TO PREMISES RENTED TO YOU ABUSE OR MOLESTATION EXCLUSION EXCLUSION FINANCIAL SERVICES EXCLUSION DESIGNATED ONGOING OPERATIONS EXCLUSION DESIGNATED OPERATIONS COVERED BY A CONSOLIDATED (WRAP UP) INSURANCE PROGRAM EXCLUSION FUNERAL SERVICES EXCLUSION COUNSELING SERVICES EXCLUSION DIAGNOSTIC TESTING LABORATORIES EXCLUSION VOLUNTEER WORKERS FUNGI OR BACTERIA EXCLUSION EXCLUSION EXTERIOR INSULATION AND FINISH SYSTEMS (THIS REPLACED U056 AND U056IL) EXCLUSION INSPECTION, APPRAISAL AND SURVEY COMPANIES AMENDMENT TRAVEL AGENCY TOURS EXCLUSION PROPERTY ENTRUSTED EXCLUSION CORPORAL PUNISHMENT EXCLUSION TESTING OR CONSULTING ERRORS AND OMISSIONS EXCLUSION CONSTRUCTION MANAGEMENT ERRORS AND OMISSIONS EXCLUSION FIDUCIARY OR REPRESENTATIVE LIABILITY OF FINANCIAL INSTITUTIONS EXCLUSION CAMPS OR CAMPGROUNDS EXCLUSION MED PAY TO CHILDREN IN DAY CARE CENTERS EXCLUSION HOUSING PROJECT SITES EXCLUSION EXISTENCE OR MAINTENANCE OF STREETS, ROADS, HIGHWAYS OR BRIDGES EXCLUSION ENGINEERS, ARCHITECTS OR SURVEYORS PROFESSIONAL LIABILITY EXCLUSION SERVICES FURNISHED BY HEALTH CARE PROVIDERS EXCLUSION SPECIFIED THERAPEUTIC OR COSMETIC SERVICES EXCLUSION INSURANCE AND RELATED OPERATIONS EXCLUSION FAILURE TO SUPPLY EXCLUSION LAUNDRY AND DRY CLEANING DAMAGE EXCLUSION DESCRIBED HAZARDS (CARNIVALS, CIRCUSES AND FAIRS) LIMITATION OF COVERAGE REAL ESTATE OPERATIONS MISDELIVERY OF LIQUID PRODUCTS COVERAGE CORPORAL PUNISHMENT REAL ESTATE PROPERTY MANAGED COLLEGES OR SCHOOLS (LIMITED FORM) COLLEGES OR SCHOOLS PROFESSIONAL LIABILITY EXCLUSION COMPUTER SOFTWARE GL-7 5/7/2010

8 CG2276 PROFESSIONAL LIABILITY EXCLUSION HEALTH OR EXERCISE CLUBS OR COMMERCIALLY OPERATED HEALTH OR EXERCISE FACILITIES CG2277 PROFESSIONAL LIABILITY EXCLUSION COMPUTER DATA PROCESSING CG2287 EXCLUSION ADULT DAY CARE CENTERS CG2288 PROFESSIONAL LIABILITY EXCLUSION ELECTRONIC DATA PROCESSING SERVICES AND COMPUTER CONSULTING OR PROGRAMMING SERVICES CG2290 PROFESSIONAL LIABILITY EXCLUSION SPAS OR PERSONAL ENHANCEMENT FACILITIES CG2291 EXCLUSION TELECOMMUNICATION EQUIPMENT OR SERVICE PROVIDERS ERRORS AND OMISSIONS CG2292 SNOW PLOW OPERATIONS COVERAGE CG2294 EXCLUSION DAMAGE TO WORK PERFORMED BY SUBCONTRACTORS ON YOUR BEHALF CG2295 EXCLUSION DAMAGE TO WORK PERFORMED BY SUBCONTRACTORS ON YOUR BEHALF DESIGNATED SITES OR OPERATIONS CG2298 EXCLUSION INTERNET SERVICE PROVIDERS AND INTERNET ACCESS PROVIDERS ERRORS AND OMISSIONS CG2299 PROFESSIONAL LIABILITY EXCLUSION WEB-SITE DESIGNERS CG2407 PRODUCTS/COMPLETED OPERATIONS HAZARD REDEFINED CG2412 BOATS CG2414 WAIVER OF GOVERNMENTAL IMMUNITY CG2416 CANOES OR ROWBOATS CG2502 AMENDMENT OF LIMITS OF INSURANCE CG2503 DESIGNATED CONSTRUCTION PROJECT(S) GENERAL AGGREGATE LIMIT CG2504 DESIGNATED LOCATION(S) GENERAL AGGREGATE LIMIT CG2715 EXTENDED REPORTING PERIOD ENDORSEMENT FOR EMPLOYEE BENEFITS LIABILITY COVERAGE CG2806 LIMITATION OF COVERAGE TO INSURED PREMISES U003SPM HAZARDOUS MATERIALS EXCLUSION WITH SWIMMING POOL JOBSITE EXCEPTION U006 ASSAULT AND BATTERY EXCLUSION U007 OPEN ROOF COVERAGE LIMITATION U008A CONTRACTORS COVERAGE LIMITATIONS AND AUDIT U008CP CONTRACTORS COVERAGE LIMITATION AND AUDIT U008R CONTRACTORS COVERAGE LIMITATIONS U010 PRODUCTS COMPLETED OPERATIONS CONTRACTUAL LIABILITY EXCLUSION U012 EXCLUSION ALL HAZARDS AUTO SERVICES AND LIQUID PROPANE GAS U013 SEXUAL ABUSE OR MOLESTATION COVERAGE LIMITATION U015 DEMOLITION EXCLUSION U016 ATHLETIC OR SPORT PARTICIPANTS EXCLUSION U018 COMMUNICABLE DISEASE EXCLUSION U029A GARAGEKEEPERS LEGAL LIABILITY U031 FIREWORKS, RIDES, MOTOR SPORTS AND ANIMALS EXCLUSION U032 DOG EXCLUSION U036 DAYCARE SERVICES LIMITATION U039 EXCLUSION ALL HAZARDS WASTE SITES, FERTILIZER OR RENDERING PLANTS U041 FIRE HAZARD COVERAGE LIMITATION GL-8 5/7/2010

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11 Manufacturers of products purchased by our insured that are for our insured s use or for resale by our insured. Tenants or lessees if our insured is an owner or manager of the premises. Blanket Additional Insured requests must be declined for all risks domiciled in New York or risks domiciled in other States that may perform work in New York REQUESTS TO USE BROADENED NAMED INSURED LANGUAGE TO NAME AN ADDITIONAL INSURED OR REQUESTS TO ADD MULTIPLE ENTITIES ON A SINGLE ADDITIONAL INSURED FORM Often entities requesting additional insured status will request the named insured to be used with broadened language to include affiliates, subsidiaries and indemnities for example. Any request that broadens the named insured must be referred to your Colony underwriter for final approval and pricing. We will want to have a listing of the known affiliates, subsidiaries and indemnities. Generally pricing will be an additional $50 to $100 per known entity, but your Colony underwriter will make the final determination. The only exceptions are parent companies which do not require approval. Pricing would be an additional $50 per entity to be named as a parent company. PREMIUM CHARGES: All premium charges for additional insureds, primary additional insureds, waivers of subrogation and blanket additional insureds are: 1. Flat 2. Fully Earned 3. To be charged over and above the minimum GL premium that applies Once an additional insured endorsement with a premium charge has been issued the general agent does not have authority to go back later and cancel the endorsement and reverse the premium charges without company approval. List the premium charge for any additional insureds separately on the GL declarations page. The additional insured premium should be in addition to the General Liability premium. GL-11 5/7/2010

12 BLANKET ADDITIONAL INSURED GENERAL LIABILITY Available for Contractor type risks only. Not available for use with any other classifications such as Mercantile, Manufacturing, Hotel/Motel, Recreation, etc. Intended to blanket additional insured interests of Contractor type risks only (including Truckers GL) of owners, lessees or contractors for whom our insured is performing ongoing operations. Use company form U156 (0707) Additional Insured Owners, Lessees or Contractors Scheduled Person or Organization only. Do not use ISO forms. To make the form blanket in nature specify the following under the Name of Person or Organization : All persons or organizations as required by written contract with the insured Blanket Additional Insured requests must be declined for all risks domiciled in New York or risks domiciled in other States that may perform work in New York Any request to have the ongoing language deleted from the description of the insureds operations in the additional insured form must be declined. $500 flat, fully earned charge for estimates of up to 10 additional insureds per policy term. $1,000 flat, fully earned charge for estimates of up to 20 additional insureds per policy term. Estimates that exceed 20 additional insured s per policy term must be referred to your Colony underwriter for approval. If approved pricing will be at least $1,500, flat, fully earned but may warrant additional premium depending on the specifics of the account. PRIMARY AND NON-CONTRIBUTORY FOR SPECIFIED ADDITIONAL INSUREDS Available for Contractor type risks only (this includes Truckers GL). Not available for other classes of business. Primary language that must be manuscript to your additional insured form is to be as follows: It is further agreed that this insurance shall be primary and non-contributory but only in the event of a named insured s sole negligence. Blanket primary is not available. $250 flat, fully earned charge per entity. GL-12 5/7/2010

13 WAIVERS OF SUBROGATION GENERAL LIABILITY Coverage may be added using one of the following methods: Blanket Coverage Use form U047 (0702). Additional premium is $250 flat fully earned for up to 5 estimated entities maximum. If more than 5 are estimated, submit to your Colony underwriter for approval and pricing. Blanket Coverage is available only for the following: 1) Contractor type risks (including truckers GL) 2) Property Owners but only if the lease or rental agreement itself requires a waiver to be issued naming that Property Owner Note that Blanket Waivers of Subrogation are not available with other classes of business Designated Entities Coverage Use form U047A, and show the name of the designated person or organization on this endorsement s schedule. A separate U047A is required for each designated entity. Up to 5 designated entities may be added. Additional premium is $50 flat per entity, fully earned. Designated Entity Coverage is available for most classes of business. Submit if OTHER THAN: 1) PDQ-Eligible Contractor type risks (including truckers GL) 2) PDQ-Eligible Property Owners with a lease or rental agreement in place that requires a waiver to be issued naming that Property Owner Charitable Institutions Club Members CG /85 edition date only $50 flat, fully earned charge per entity CG /85 edition date only Club members are added as additional insureds with respect to the liability of such members for activities they perform on behalf of the club. No premium charge require GL-13 5/7/2010

14 Condominium Unit Owners GENERAL LIABILITY CG /85 edition date only Condominium unit owners are added as additional insureds as respects those parts of the premises not reserved for their exclusive use. $50 flat, fully earned charge Church Members CG /01 edition date only Adds trustees, officials or members of the board, clergy as additional insureds. No premium charge required. Equipment Providers - Trucking Golfmobile Users Grantor of Franchise U This should satisfy Uniform Intermodal Interchange and Facilities Access Agreement requirements. $100 for each, or $500 for blanket. To make this form blanket, specify the following under the Name of Person(s) or Organization(s): All persons or organizations as required by written contract with the insured. CG /85 edition date only Use with risks classified as either Golf Courses or Golfmobiles Loaned or Rented to Others. It provides insured status to patrons of the named insured or the named insured s concessionaires who use or are legally responsible for use of the golfmobiles. No premium charge required CG /85 edition date only Grants insured status to franchiser organizations (i.e. chain stores) that sell franchises to others. An example would be a Subway shop that needs to add the parent franchise organization to their policy. $50 flat, fully earned charge per entity GL-14 5/7/2010

15 Lessor of Leased Equipment Use company form U158 (0310) only. Do not use ISO forms. Injured workers frequently bring suit against the manufacturer, supplier, or installer of commercial and industrial equipment that cause injury. As a result, entities that lease such equipment may ask for additional insured status from the entity that leases the equipment to them. $100 flat, fully earned charge per additional insured entity being added if our insured is a Contractor type risk (this includes Truckers GL). $50 flat, fully earned charge for all others Lessor of Land CG /85 edition date only $50 flat, fully earned charge per entity Managers or Lessors of Premises Use company form U157 (0310) only. Do not use ISO forms. Managers or lessors are often named involved in lawsuits that involve injuries sustained on their property so they will often request this endorsement. This endorsement will add managers or lessors of premises as additional insureds to policies covering the lessees or tenants. $50 flat, fully earned charge per entity Mortgagee, Assignee, or Receiver CG /85 edition date only Adds mortgagers (such as banks and lending institutions), assignees (such as an administrator or executor of a will), or receivers (someone appointed by a court to manage property involved in litigation) as additional insureds for their liability arising from the named insured s premises described in the endorsement. There is no additional premium charge because the endorsement restricts coverage to that exposure already presented by the Named Insured. No premium charge required GL-15 5/7/2010

16 Owners, Lessees or Contractors State or Political Subdivisions Permits GENERAL LIABILITY Use only company form U156 (0310) Additional Insured Owners or Contractors Scheduled Person or Organization. CG2010/CG2037 (0704) editions can be considered. CG2010 (1185) is not acceptable. Company approval is required. Please contact your underwriter for approval and pricing. Extends coverage to (1) owners or lessees who want to be named as insured s on a contractor s policy and (2) contractors who want to be named as insureds on a subcontractor s policy, but only as respects liability for ongoing operations performed by the named insured contractor or subcontractor for the owner, lessee or contractor. Never add an additional insured who is a contractor performing work for our insured. $100 flat, fully earned charge per entity, for U156 CG2010 & CG2037 (0704) submit for pricing CG /09 edition date only This protects governmental entities from lawsuits arising out of the issuance of permits. An example would be someone holding an event such as a picnic that required various government permits. The insurance does not apply to bodily injury, property damage, personal injury or advertising injury arising out of operations performed for the municipality. $50 flat, fully earned charge per entity State or Political Subdivisions Permits Relating to Premises CG /09 edition date only Requested by political subdivisions when they issue permits to owners and lessees for permission to operate premises which have certain hazards listed in the endorsement (examples include signs, awnings, canopies, etc.) $50 flat, fully earned charge per entity GL-16 5/7/2010

17 Townhouse Associations CG /93 edition date only Provides additional insured status for unit owners for those parts of the premises not reserved for their exclusive use. Injuries occurring on common-ownership premises often lead to lawsuits in which all owners are named as co-defendants. $50 flat, fully earned charge Vendors CG /88 edition date only Decline requests to add: A manufacturer as an additional insured vendor. Additional insured vendors related to products easily susceptible to spoilage or contamination (dairy or meat for example). When retailers require additional insured status from wholesalers it is acceptable to provide vendor coverage for these retailers on our wholesaler s policy. Blanket Vendors Specific Vendors The general agent will need to type in All Vendors of the Insured s Products on the CG2015 so the intent is clear that coverage is to be blanket rather than specific Up to 5 designated entities may be added. Additional premium is $50 flat per entity, fully earned. You will need to specify the name of each vendor on the CG 2015 $50 flat, fully earned charge OTHER MISCELLANEOUS ENDORSEMENTS Submit to your underwriter for approval and pricing on: Per Project Aggregate Endorsements (CG2503) Per Location Endorsements (CG2504) GL-17 5/7/2010

18 Employee Benefits Liability GENERAL LIABILITY This is a claims made coverage for sums the insured is legally obligated to pay arising from an employee s act, error, or omission committed in the administration of the insured s employee benefits program. Employee Benefits Liability is available when writing the General Liability on most risks with less than 50 employees. This Aggregate Limit of insurance is part of and not in addition to the policy General Aggregate Limit shown on the Declarations of the policy. Limits: Minimum Premiums $50,000/$50,000 $150 $100,000/$100,000 $200 $300,000/$300,000 $250 $500,000/$500,000 $300 $1,000,000/$1,000,000 $400 Deductible: $1,000 per employee Underwriting Criteria: The following exposures are not available in contract: Monoline coverage is not available Plans other than group life insurance, group accident or health insurance, profit sharing plans, stock subscription plans, unemployment plans, social security benefits, workers compensation and disability benefits. Any claims within the last 5 years A retroactive date different from the policy effective date. On renewal you may continue to use the original retroactive date Please submit if the insured has over 50 employees Forms: U058 Employee Benefits Liability Coverage Part Supplemental Declarations GL-18 5/7/2010

19 Stop Gap Liability This coverage mirrors that provided in W.C. coverage B. Covers liability arising from the injury of an employee in the course of employment. Limits Rate (% of liability premium) Minimum Premium 100/100/100 3% $ /500/100 3% $ /500/500 4% $300 1,000/1,000/1,000 5% $500 (Exception $300 for WA) Available in: North Dakota, Washington, West Virginia, Wyoming and Ohio Stop Gap Liability underwriting parameters are as follows: Coverage is available for all Contract eligible classes except those that exceed Best s Rating hazard index of five. Monoline coverage is not available. Available only for employers doing business in monopolistic states where the State Fund provides only WC Coverage without Coverage B. Verify no temporary workers are utilized as on farms or some contracting exposures. Will utilize the U066 (Occurrence Form). HIRED & NON-OWNED AUTO LIABILITY Hired and Non Owned Auto may be attached by use of the U132A for the limits allowed by program guidelines. The U132A endorsement is used only if the insured entity does not own, lease or have regular use of any automobiles. The endorsement is not available to insureds that have commercial auto exposures. It provides coverage for bodily injury and property damage liability in connection with just hired autos, just nonowned autos, or both, as indicated in the endorsement schedule. ELIGIBLE CLASSES Apartments Homeowner & Condo Associations Bars Hotels & Motels Beverage Stores Mercantile no deliveries Billiard & Pool Halls Mobile Home Parks Building Lessors Risk Only Offices Convenience Stores Restaurants with no deliveries Grocery Stores/Supermarkets - with no deliveries Taverns GL-19 5/7/2010

20 Insured must verify that driver has personal auto insurance in place. PROHIBITED OPERATIONS- HIRED AND/OR NON-OWNED LIABILITY IS NOT BE BE PROVIDED ON ANY RISK WITH THE FOLLOWING EXPOSURES Contractor, Catering, Church, Day Care, Delivery, Special Event, Sport Camp/Clinic/League Risks where non-owned vehicles are used on a regular basis by sales people Vehicles other than Personal Passenger or Van types Vehicles used for delivery of insured s products or transportation of people HIRED AND NON-OWNED AUTO COVERAGE SHOULD BE PROVIDED ONLY BY EXCEPTION. LIMITS & MINIMUM PREMIUMS: AL, CT, DE, FL, GA IN, KY, LA, MA, MD, ME, MI, MS, NC, NH, NJ, NY, OH, PA, RI, SC, TN, VA, VT & WV $100,000 $300,000 $500,000 $1,000,000 Hired Car NOT AVAILABLE $150 $250 $350 Non-Owned Auto NOT AVAILABLE $150 $250 $350 $300 $500 $700 LIMITS & MINIMUM PREMIUMS: AK, AR, AZ, CA, CO, HI, IA, ID, IL, KS, MN, MO, MT, ND, NE, NM, NV, OK, OR, SD, TX, UT, WA, WI, WY $100,000 $300,000 $500,000 $1,000,000 Hired Car NOT AVAILABLE $75 $100 $150 Non-Owned Auto NOT AVAILABLE $75 $100 $150 $150 $200 $300 Approved Form U132A Hired Auto & Non-Owned Auto Liability GL-20 5/7/2010