CONTRACTORS COMMERCIAL GENERAL LIABILITY BROADENED ENDORSEMENT

Transcription

1 THIS ENDORSEMENT CHANGES THE POLICY PLEASE READ IT CAREFULLY CONTRACTORS COMMERCIAL GENERAL LIABILITY BROADENED ENDORSEMENT This endorsement modifies insurnce provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A Endorsement Tble of Contents: Coverge: Begins on Pge: 1 Employee Benefit Libility Coverge 2 2 Unintentionl Filure to Disclose Hzrds 7 3 Dmge to Premises Rented to You 8 4 Supplementry Pyments 9 5 Medicl Pyments 9 6 Voluntry Property Dmge (Coverge ) nd Cre, Custody or Control Libility Coverge (Coverge b ) Dy Coverge for Newly Formed or Acquired Orgniztions 10 8 Wiver of Subrogtion 10 9 Automtic Additionl Insured Specified Reltionships: 10 Mngers or Lessors of Premises; Lessor of Lesed Equipment; Vendors; Stte or Politicl Subdivisions Permits Relting to Premises; Stte or Politicl Subdivisions Permits; nd Contrctors Opertions 10 Brodened Contrctul Libility Work Within 50 of Rilrod Property Property Dmge to Borrowed Equipment Employees s Insureds Specified Helth Cre Services: 14 Nurses; Emergency Medicl Technicins; nd Prmedics 13 Brodened Notice of Occurrence 14 B Limits of Insurnce: The Commercil Generl Libility Limits of Insurnce pply to the insurnce provided by this endorse ment, except s provided below: 1 Employee Benefit Libility Coverge Ech Employee Limit: $ 1,000,000 Aggregte Limit: $ 3,000,000 Deductible: $ 1,000 3 Dmge to Premises Rented to You The lesser of: The Ech Occurrence Limit shown in the Declrtions; or b $500,000 unless otherwise stted $ 4 Supplementry Pyments Bil bonds: $ 1,000 b Loss of ernings: $ Medicl Pyments Medicl Expense Limit: $ 10,000 GA Services Office, Inc, with its permission Pge 1 of 15

2 6 Voluntry Property Dmge (Coverge ) nd Cre, Custody or Control Libility Coverge (Coverge b ) Limits of Insurnce (Ech Occurrence) Coverge $1,000 Coverge b $5,000 unless otherwise stted $ Deductibles (Ech Occurrence) Coverge $250 Coverge b $250 unless otherwise stted $ COVERAGE b Cre, Custody or Control PREMIUM BASIS () Are (b) Pyroll Gross Sles (d) Units (e) Other 11 Property Dmge to Borrowed Equipment Ech Occurrence Limit: $ 10,000 Deductible: $ 250 RATE (For Limits in Excess of $5,000) TOTAL ANNUAL PREMIUM $ $ ADVANCE PREMIUM (For Limits in Excess of $5,000) C Coverges: 1 Employee Benefit Libility Coverge The following is dded to SECTION I COVERAGES: Employee Benefit Libility Coverge (1) Insuring Agreement () We will py those sums tht the insured becomes leglly obligted to py s dm ges cused by ny ct, er ror or omission of the in sured, or of ny other per son for whose cts the in sured is leglly lible, to which this insurnce p plies We will hve the right nd duty to defend the in sured ginst ny "suit" seeking those dmges However, we will hve no duty to defend ginst ny "suit" seeking dmges to which this insurnce does not pply We my, t our discretion, investigte ny report of n ct, error or omission nd settle ny clim or "suit" tht my re sult But: 1) The mount we will py for dmges is limited s described in SEC TION III LIMITS OF INSURANCE; nd 2) Our right nd duty to defend ends when we hve used up the p plicble limit of insur nce in the pyment of judgments or settle ments No other obligtion or libil ity to py sums or perform cts or services is covered unless explicitly provided for under Supplementry Py ments (b) This insurnce pplies to dmges only if the ct, er ror or omission, is negli gently committed in the "dministrtion" of your "employee benefit pro grm"; nd 1) Occurs during the pol icy period; or 2) Occurred prior to the effective dte of this endorsement provided: ) You did not hve knowledge of clim or "suit" on or before the ef fective dte of this endorsement You will be deemed to hve knowledge of clim or "suit" when ny "uthorized repre senttive"; GA Services Office, Inc, with its permission Pge 2 of 15

3 (2) Exclusions i) Reports ll, or ny prt, of the ct, error or omission to us or ny other insurer; ii) Receives written or ver bl demnd or clim for dm ges becuse of the ct, er ror or omis sion; nd b) There is no other pplicble insur nce This insurnce does not pply to: () Bodily Injury, Property Dmge or Personl nd Advertising Injury "Bodily injury", "property dmge" or "personl nd dvertising injury" (b) Dishonest, Frudulent, Criminl or Mlicious Act Dmges rising out of ny intentionl, dishonest, frudulent, criminl or mli cious ct, error or omission, committed by ny insured, including the willful or reck less violtion of ny sttute Filure to Perform Con trct Dmges rising out of fil ure of performnce of con trct by ny insurer (d) Insufficiency of Funds Dmges rising out of n insufficiency of funds to meet ny obligtions under ny pln included in the "employee benefit pro grm" (e) Indequcy of Perform nce of Investment / Ad vice Given With Respect to Prticiption Any clim bsed upon: 1) Filure of ny invest ment to perform; 2) Errors in providing in formtion on pst per formnce of investment vehicles; or 3) Advice given to ny person with respect to tht person s decision to prticipte or not to prticipte in ny pln included in the "em ployee benefit pro grm" (f) Workers Compenstion nd Similr Lws Any clim rising out of your filure to comply with the mndtory provisions of ny workers compenstion, unemployment compens tion insurnce, socil secu rity or disbility benefits lw or ny similr lw (g) ERISA Dmges for which ny in sured is lible becuse of libility imposed on fiduci ry by the Employee Re tirement Income Security Act of 1974, s now or herefter mended, or by ny similr federl, stte or locl lws (h) Avilble Benefits (i) (j) Any clim for benefits to the extent tht such benefits re vilble, with reson ble effort nd coopertion of the insured, from the p plicble funds ccrued or other collectible insurnce Txes, Fines or Penlties Txes, fines or penlties, including those imposed under the Internl Revenue Code or ny similr stte or locl lw Employment Relted Prctices Any libility rising out of ny: (1) Refusl to employ; (2) Termintion of em ployment; (3) Coercion, demotion, evlution, ressign ment, discipline, def mtion, hrssment, humilition, discrimin tion or other employ GA Services Office, Inc, with its permission Pge 3 of 15

4 b ment relted prctices, cts or omissions; or (4) Consequentil libility s result of (1), (2) or (3) bove This exclusion pplies whether the insured my be held lible s n employer or in ny other cpcity nd to ny obligtion to shre dmges with or repy someone else who must py dmges becuse of the injury (3) Supplementry Pyments SECTION I COVERAGES, SUPPLEMENTARY PAY MENTS COVERAGES A AND B lso pply to this Coverge Who is n Insured As respects Employee Benefit Libil ity Coverge, SECTION II WHO IS AN INSURED is deleted in its en tirety nd replced by the following: (1) If you re designted in the Declrtions s: () An individul, you nd your spouse re insureds, but only with respect to the conduct of business of which you re the sole owner (b) A prtnership or joint ven ture, you re n insured Your members, your prt ners, nd their spouses re lso insureds but only with respect to the conduct of your business A limited libility compny, you re n insured Your members re lso insureds, but only with respect to the conduct of your business Your mngers re in sureds, but only with re spect to their duties s your mngers (d) An orgniztion other thn prtnership, joint venture or limited libility compny, you re n insured Your "executive officers" nd di rectors re insureds, but only with respect to their duties s your officers or di rectors Your stockholders re lso insureds, but only with respect to their libility s stockholders c (e) A trust, you re n insured Your trustees re lso in sureds, but only with re spect to their duties s trustees (2) Ech of the following is lso n insured: () Ech of your "employees" who is or ws uthorized to dminister your "employee benefit progrm" (b) Any persons, orgniztions or "employees" hving proper temporry uthori ztion to dminister your "employee benefit progrm" if you die, but only until your legl representtive is p pointed Your legl representtive if you die, but only with re spect to duties s such Tht representtive will hve ll your rights nd du ties under this Coverge Prt (3) Any orgniztion you newly c quire or form, other thn prt nership, joint venture or limited libility compny, nd over which you mintin ownership or mjority interest, will qulify s Nmed Insured if no other similr insurnce pplies to tht orgniztion However, cover ge under this provision: () Is fforded only until the 180th dy fter you cquire or form the orgniztion or the end of the policy period, whichever is erlier; nd (b) Does not pply to ny ct, error or omission tht ws committed before you c quired or formed the or gniztion Limits of Insurnce As respects Employee Benefit Libil ity Coverge, SECTION III LIMITS OF INSURANCE is deleted in its en tirety nd replced by the following: (1) The Limits of Insurnce shown in Section B Limits of Insur nce, 1 Employee Benefit Li bility Coverge nd the rules below fix the most we will py regrdless of the number of: () Insureds; GA Services Office, Inc, with its permission Pge 4 of 15

5 (b) Clims mde or "suits" brought; Persons or orgniztions mking clims or bringing "suits"; (d) Acts, errors or omissions; or (e) Benefits included in your "employee benefit pro grm" (2) The Aggregte Limit shown in Section B Limits of Insurnce, 1 Employee Benefit Libility Coverge of this endorsement is the most we will py for ll dmges becuse of cts, er rors or omissions negligently committed in the "dministr tion" of your "employee benefit progrm" (3) Subject to the limit described in (2) bove, the Ech Employee Limit shown in Section B Limits of Insurnce, 1 Employee Benefit Libility Coverge of this endorsement is the most we will py for ll dmges sus tined by ny one "employee", including dmges sustined by such "employee s" dependents nd beneficiries, s result of: () An ct, error or omission; or (b) A series of relted cts, er rors or omissions, regrd less of the mount of time tht lpses between such cts, errors or omissions, negligently committed in the "dministrtion" of your "em ployee benefit progrm" However, the mount pid un der this endorsement shll not exceed, nd will be subject to the limits nd restrictions tht pply to the pyment of benefits in ny pln included in the "em ployee benefit progrm" (4) Deductible Amount () Our obligtion to py dm ges on behlf of the in sured pplies only to the mount of dmges in ex cess of the deductible mount stted in the Decl rtions s pplicble to Ech Employee The limits of insurnce shll not be reduced by the mount of this deductible d (b) The deductible mount stted in the Declrtions pplies to ll dmges sustined by ny one "em ployee", including such "employee s" dependents nd beneficiries, becuse of ll cts, errors or omis sions to which this insur nce pplies The terms of this insurnce, including those with respect to: 1) Our right nd duty to defend the insured ginst ny "suits" seeking those dm ges; nd 2) Your duties, nd the duties of ny other in volved insured, in the event of n ct, error or omission, or clim, pply irrespective of the ppliction of the deductible mount (d) We my py ny prt or ll of the deductible mount to effect settlement of ny clim or "suit" nd, upon notifiction of the ction tken, you shll promptly reimburse us for such prt of the deductible mount s we hve pid Additionl Conditions As respects Employee Benefit Li bility Coverge, SECTION IV COMMERCIAL GENERAL LIABIL ITY CONDITIONS is mended s follows: (1) Item 2 Duties in the Event of Occurrence, Offense, Clim or Suit is deleted in its entirety nd replced by the following: 2 Duties in the Event of n Act, Error or Omission, or Clim or Suit You must see to it tht we re noti fied s soon s prcticble of n ct, error or omission which my result in clim To the extent possible, no tice should include: (1) Wht the ct, error or omission ws nd when it occurred; nd (2) The nmes nd ddresses of nyone who my suffer dm ges s result of the ct, error or omission GA Services Office, Inc, with its permission Pge 5 of 15

6 b c d If clim is mde or "suit" is brought ginst ny insured, you must: (1) Immeditely record the specifics of the clim or "suit" nd the dte received; nd (2) Notify us s soon s prcticble You must see to it tht we receive written notice of the clim or "suit" s soon s prcticble You nd ny other involved insured must: (1) Immeditely send us copies of ny demnds, notices, sum monses or legl ppers re ceived in connection with the clim or "suit"; (2) Authorize us to obtin records nd other informtion; (3) Cooperte with us in the investi gtion or settlement of the clim or defense ginst the "suit"; nd (4) Assist us, upon our request, in the enforcement of ny right ginst ny person or orgniz tion which my be lible to the insured becuse of n ct, error or omission to which this insur nce my lso pply No insured will, except t tht in sured s own cost, voluntrily mke pyment, ssume ny obligtion, or incur ny expense without our con sent (2) Item 5 Other Insurnce is de leted in its entirety nd replced by the following: 5 Other Insurnce If other vlid nd collectible insurnce is vilble to the insured for loss we cover under this Coverge Prt, our obligtions re limited s follows: Primry Insurnce This insurnce is pri mry except when c below pplies If this insurnce is primry, our obligtions re not ffected unless ny of the other insurnce is lso primry Then, we will shre with ll tht other insurnce by the method described in b below e b c Method of Shring If ll of the other insur nce permits contribu tion by equl shres, we will follow this method lso Under this pproch ech in surer contributes equl mounts until it hs pid its pplicble limit of insurnce or none of the loss remins, whichever comes first If ny of the other in surnce does not per mit contribution by equl shres, we will contribute by limits Under this method, ech insurer s shre is bsed on the rtio of its pplicble limit of in surnce to the totl p plicble limits of insur nce of ll insurers No Coverge Additionl Definitions This insurnce shll not cover ny loss for which the insured is entitled to recovery un der ny other insur nce in force previous to the effective dte of this Coverge Prt As respects Employee Benefit Li bility Coverge, SECTION V DEFINITIONS is mended s fol lows: (1) The following definitions re dded: 1 "Administrtion" mens: Providing informtion to "employees", including their dependents nd beneficiries, with re spect to eligibility for or scope of "employee benefit progrms"; b Interpreting the "em ployee benefit pro grms"; c Hndling records in connection with the "employee benefit pro grms"; or d Effecting, continuing or terminting ny "em ployee s" prticiption GA Services Office, Inc, with its permission Pge 6 of 15

7 in ny benefit included in the "employee bene fit progrm" However, "dministrtion" does not include: Hndling pyroll de ductions; or b The filure to effect or mintin ny insurnce or dequte limits of coverge of insurnce, including but not limited to unemployment in surnce, socil security benefits, workers com penstion nd disbility benefits 2 "Cfeteri plns" mens pln uthorized by pplic ble lw to llow "employ ees" to elect to py for cer tin benefits with pre tx dollrs 3 "Employee benefit pro grms" mens progrm providing some or ll of the following benefits to "em ployees", whether provided through "cfeteri pln" or otherwise: Group life insurnce; group ccident or helth insurnce; den tl, vision nd hering plns; nd flexible spending ccounts; provided tht no one other thn n "em ployee" my subscribe to such benefits nd such benefits re mde generlly vilble to those "employees" who stisfy the pln s eligi bility requirements; b Profit shring plns, employee svings plns, employee stock ownership plns, pen sion plns nd stock subscription plns, provided tht no one other thn n "em ployee" my subscribe to such benefits nd such benefits re mde generlly vilble to ll "employees" who re eligible under the pln for such benefits; c Unemployment insur nce, socil security d benefits, workers com penstion nd disbility benefits; nd Vction plns, includ ing buy nd sell pro grms; leve of b sence progrms, in cluding militry, mter nity, fmily, nd civil leve; tuition ssis tnce plns; trnspor ttion nd helth club subsidies (2) The following definitions re deleted in their entirety nd re plced by the following: 21 "Suit" mens civil pro ceeding in which money dmges becuse of n ct, error or omission to which this insurnce pplies re lleged "Suit" includes: An rbitrtion pro ceeding in which such dmges re climed nd to which the in sured must submit or does submit with our consent; b Any other lterntive dispute resolution pro ceeding in which such dmges re climed nd to which the in sured submits with our consent; or c An ppel of civil proceeding 8 "Employee" mens per son ctively employed, for merly employed, on leve of bsence or disbled, or retired "Employee" in cludes "lesed worker" "Employee" does not in clude "temporry worker" 2 Unintentionl Filure to Disclose Hz rds SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS, 7 Represen ttions is hereby mended by the ddi tion of the following: Bsed on our dependence upon your representtions s to existing hzrds, if unintentionlly you should fil to disclose ll such hzrds t the inception dte of your policy, we will not reject coverge under this Coverge Prt bsed solely on such filure GA Services Office, Inc, with its permission Pge 7 of 15

8 3 Dmge to Premises Rented to You b The lst Subprgrph of Prgrph 2 SECTION I COVERAGES, COVERAGE A BODILY INJURY AND PROPERTY DAMAGE, 2 LI ABILITY Exclusions is hereby de leted nd replced by the following: Exclusions c through q do not pply to dmge by fire, explosion, light ning, smoke or soot to premises while rented to you or temporrily occupied by you with permission of the owner The insurnce provided under SEC TION I COVERAGES, COVERAGE A BODILY INJURY AND PROP ERTY DAMAGE LIABILITY pplies to "property dmge" rising out of wter dmge to premises tht re both rented to nd occupied by you (1) As respects Wter Dmge Le gl Libility, s provided in Prgrph 3 b bove: The exclusions under SECTION I COVERAGES, COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABIL ITY, 2 Exclusions, other thn i Wr nd the Nucler Energy Libility Exclusion, re deleted nd the following re dded: This insurnce does not pply to: () "Property dmge": 1) Assumed in ny con trct; or 2) Loss cused by or re sulting from ny of the following: ) Wer nd ter; b) Rust, corrosion, fungus, decy, deteriortion, hid den or ltent de fect or ny qulity in property tht cuses it to dm ge or destroy it self; c) Smog; d) Mechnicl brekdown in cluding rupture or bursting cused by centrifugl force; e) Settling, crcking, shrinking or ex pnsion; or f) Nesting or infest tion, or dischrge or relese of wste products or secretions, by in sects, birds, ro dents or other nimls (b) Loss cused directly or indi rectly by ny of the follow ing: 1) Erthquke, volcnic eruption, lndslide or ny other erth move ment; 2) Wter tht bcks up or overflows from sewer, drin or sump; 3) Wter under the ground surfce press ing on, or flowing or seeping through: ) Foundtions, wlls, floors or pved surfces; b) Bsements, whether pved or not; or c) Doors, windows or other openings Loss cused by or resulting from wter tht leks or flows from plumbing, het ing, ir conditioning, or fire protection systems cused by or resulting from freez ing, unless: 1) You did your best to mintin het in the building or structure; or 2) You drined the equipment nd shut off the wter supply if the het ws not min tined (d) Loss to or dmge to: 1) Plumbing, heting, ir conditioning, fire pro tection systems, or other equipment or p plinces; or 2) The interior of ny building or structure, or to personl property in the building or structure GA Services Office, Inc, with its permission Pge 8 of 15

9 c Limit of Insurnce cused by or resulting from rin, snow, sleet or ice, whether driven by wind or not The Dmge to Premises Rented to You Limit s shown in the Declr tions is mended s follows: (2) Prgrph 6 of SECTION III LIMITS OF INSURANCE is hereby deleted nd replced by the following: 6 Subject to 5 bove, the Dmge to Premises Rented to You Limit is the most we will py under COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY, for dmges becuse of "property dmge" to premises while rented to you or temporrily occupied by you with permission of the owner, rising out of ny one "occurrence" to which this insurnce p plies (3) The mount we will py is lim ited s described in Section B Limits of Insurnce, 3 Dm ge to Premises Rented to You of this endorsement 4 Supplementry Pyments Under SECTION I COVERAGE, SUP PLEMENTARY PAYMENTS COVER AGES A AND B: b Prgrph 2 is replced by the fol lowing: Up to the limit shown in Section B Limits of Insurnce, 4 Bil Bonds of this endorsement for cost of bil bonds required becuse of ccidents or trffic lw violtions rising out of the use of ny vehicle to which the Bodily Injury Libility Coverge p plies We do not hve to furnish these bonds Prgrph 4 is replced by the fol lowing: All resonble expenses incurred by the insured t our request to ssist us in the investigtion or defense of the clim or "suit", including ctul loss of ernings up to the limit shown in Section B Limits of Insurnce, 4 b Loss of Ernings of this en dorsement per dy becuse of time off from work 5 Medicl Pyments The Medicl Expense Limit of Any One Person s stted in the Declrtions is mended to the limit shown in Section B Limits of Insurnce, 5 Medicl Py ments of this endorsement 6 Voluntry Property Dmge nd Cre, Custody or Control Libility Coverge b Voluntry Property Dmge Cov erge We will py for "property dmge" to property of others rising out of op ertions incidentl to the insured s business when: (1) Dmge is cused by the in sured; or (2) Dmge occurs while in the in sured s possession With your consent, we will mke these pyments regrdless of fult Cre, Custody or Control Libility Coverge SECTION I COVERAGES, COV ERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY, 2 Exclusions, j Dmge to Property, Subprgrphs (3), (4) nd (5) do not pply to "property dmge" to the property of others described therein With respect to the insurnce provided by this section of the endorsement, the fol lowing dditionl provisions pply: The Limits of Insurnce shown in the Declrtions re replced by the lim its designted in Section B Limits of Insurnce, 6 Voluntry Property Dmge nd Cre, Custody or Control Libility Coverge of this endorsement with respect to cover ge provided by this endorsement These limits re inclusive of nd not in ddition to the limits being re plced The Limits of Insurnce shown in Section B Limits of Insur nce, 6 Voluntry Property Dm ge nd Cre, Custody or Control Libility Coverge of this endorse ment fix the most we will py in ny one "occurrence" regrdless of the number of: (1) Insureds; (2) Clims mde or "suits" brought; or (3) Persons or orgniztions mk ing clims or bringing "suits" GA Services Office, Inc, with its permission Pge 9 of 15

10 b Deductible Cluse (1) Our obligtion to py dmges on your behlf pplies only to the mount of dmges for ech "occurrence" which re in ex cess of the deductible mount stted in Section B Limits of Insurnce, 6 Voluntry Prop erty Dmge nd Cre, Cus tody or Control Libility Cov erge of this endorsement The limits of insurnce will not be re duced by the ppliction of such deductible mount (2) Condition 2 Duties in the Event of Occurrence, Offense, Clim or Suit, pplies to ech clim or "suit" irrespective of the mount (3) We my py ny prt or ll of the deductible mount to effect settlement of ny clim or "suit" nd, upon notifiction of the c tion tken, you shll promptly reimburse us for such prt of the deductible mount s hs been pid by us Dy Coverge for Newly Formed or Acquired Orgniztions SECTION II WHO IS AN INSURED is mended s follows: Subprgrph of Prgrph 4 is hereby deleted nd replced by the fol lowing: Insurnce under this provision is f forded only until the 180th dy fter you cquire or form the orgniztion or the end of the policy period, whichever is erlier; 8 Wiver of Subrogtion SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS, 9 Trnsfer of Rights of Recovery Aginst Others to Us is hereby mended by the ddition of the following: We wive ny right of recovery we my hve becuse of pyments we mke for injury or dmge rising out of your on going opertions or "your work" done un der written contrct requiring such wiver with tht person or orgniztion nd included in the "products completed opertions hzrd" However, our rights my only be wived prior to the "occur rence" giving rise to the injury or dmge for which we mke pyment under this Coverge Prt The insured must do nothing fter loss to impir our rights At our request, the insured will bring "suit" or trnsfer those rights to us nd help us enforce those rights 9 Automtic Additionl Insured Speci fied Reltionships The following is hereby dded to SECTION II WHO IS AN INSURED: (1) Any person or orgniztion de scribed in Prgrph 9 (2) below (hereinfter referred to s dditionl insured) whom you re required to dd s n ddi tionl insured under this Cover ge Prt by reson of: () A written contrct or greement; or (b) An orl greement or con trct where certificte of insurnce showing tht per son or orgniztion s n dditionl insured hs been issued, is n insured, provided: () The written or orl contrct or greement is: 1) Currently in effect or becomes effective during the policy pe riod; nd 2) Executed prior to n "occurrence" or offense to which this insurnce would pply; nd (b) They re not specificlly nmed s n dditionl in sured under ny other pro vision of, or endorsement dded to, this Coverge Prt (2) Only the following persons or orgniztions re dditionl in sureds under this endorsement, nd insurnce coverge pro vided to such dditionl in sureds is limited s provided herein: () The mnger or lessor of premises lesed to you with whom you hve greed per Prgrph 9 (1) bove to provide insurnce, but only with respect to libility ris ing out of the ownership, mintennce or use of tht prt of premises lesed to you, subject to the following dditionl exclusions: This insurnce does not pply to: 1) Any "occurrence" which tkes plce fter GA Services Office, Inc, with its permission Pge 10 of 15

11 you cese to be ten nt in tht premises 2) Structurl ltertions, new construction or demolition opertions performed by or on be hlf of such dditionl insured (b) Any person or orgniztion from which you lese equipment with whom you hve greed per Prgrph 9 (1) bove to provide in surnce Such person(s) or orgniztion(s) re insureds solely with respect to their libility rising out of the mintennce, opertion or use by you of equipment lesed to you by such per son(s) or orgniztions(s) However, this insurnce does not pply to ny "oc currence" which tkes plce fter the equipment lese expires Any person or orgniztion (referred to below s ven dor) with whom you hve greed per Prgrph 9 (1) bove to provide in surnce, but only with re spect to "bodily injury" or "property dmge" rising out of "your products" which re distributed or sold in the regulr course of the ven dor s business, subject to the following dditionl ex clusions: 1) The insurnce fforded the vendor does not pply to: ) "Bodily injury" or "property dmge" for which the ven dor is obligted to py dmges by reson of the s sumption of libil ity in contrct or greement This exclusion does not pply to libility for dmges tht the vendor would hve in the b sence of the con trct or gree ment; b) Any express wr rnty unuthorized by you; c) Any physicl or chemicl chnge in the product mde intentionlly by the vendor; d) Repckging, un less unpcked solely for the pur pose of inspection, demonstrtion, testing, or the substitution of prts under in structions from the mnufcturer, nd then repckged in the originl continer; e) Any filure to mke such in spections, djust ments, tests or servicing s the vendor hs greed to mke or normlly under tkes to mke in the usul course of business, in connection with the distribution or sle of the prod ucts; f) Demonstrtion, in stlltion, servic ing or repir op ertions, except such opertions performed t the vendor s premises in connection with the sle of the product; g) Products which, fter distribution or sle by you, hve been lbeled or relbeled or used s continer, prt or ingredient of ny other thing or substnce by or for the vendor 2) This insurnce does not pply to ny in sured person or or gniztion: ) From whom you hve cquired such products, or ny ingredient, prt or continer, entering into, c GA Services Office, Inc, with its permission Pge 11 of 15

12 compnying contining products; or or such b) When libility in cluded within the "products completed oper tions hzrd" hs been excluded under this Cover ge Prt with re spect to such products (d) Any stte or politicl subdi vision with which you hve greed per Prgrph 9 (1) bove to provide in surnce, subject to the fol lowing dditionl provision: (e) This insurnce pplies only with respect to the following hzrds for which the stte or politicl subdivision hs issued permit in connec tion with premises you own, rent or control nd to which this insurnce pplies: 1) The existence, minte nnce, repir, con struction, erection, or removl of dvertising signs, wnings, cno pies, cellr entrnces, col holes, drivewys, mnholes, mrquees, hoist wy openings, sidewlk vults, street bnners, or decor tions nd similr expo sures; or 2) The construction, erec tion, or removl of ele vtors; or 3) The ownership, min tennce, or use of ny elevtors covered by this insurnce Any stte or politicl subdi vision with which you hve greed per Prgrph 9 (1) bove to provide in surnce, subject to the fol lowing provisions: 1) This insurnce pplies only with respect to op ertions performed by you or on your behlf for which the stte or politicl subdivision hs issued permit (f) 2) This insurnce does not pply to "bodily in jury", "property dm ge" or "personl nd dvertising injury" ris ing out of opertions performed for the stte or politicl subdivision Any person or orgniztion with which you hve greed per Prgrph 9 (1) bove to provide insurnce, but only with respect to li bility rising out of "your work" performed for tht dditionl insured by you or on your behlf A person or orgniztion s sttus s n insured under this provision of this endorsement contin ues for only the period of time required by the written contrct or greement, but in no event beyond the ex pirtion dte of this Cover ge Prt If there is no written contrct or gree ment, or if no period of time is required by the written contrct or greement, person or orgniztion s sttus s n insured under this endorsement ends when your opertions for tht insured re completed (3) Any insurnce provided to n dditionl insured designted under Prgrph 9 (2): () Subprgrphs (e) nd (f) does not pply to "bodily injury" or "property dmge" included within the "prod ucts completed opertions hzrd"; (b) Subprgrphs (), (b), (d), (e) nd (f) does not pply to "bodily injury", "property dmge" or "personl nd dvertising injury" rising out of the sole negligence or willful misconduct of the dditionl insured or their gents, "employees" or ny other representtive of the dditionl insured; or Subprgrph (f) does not pply to "bodily injury", "property dmge" or "per sonl nd dvertising injury" rising out of: 1) Defects in design fur nished by or on behlf GA Services Office, Inc, with its permission Pge 12 of 15

13 b of the dditionl in sured; or 2) The rendering of, or filure to render, ny professionl rchitec turl, engineering or surveying services, in cluding: ) The prepring, pproving or fil ing to prepre or pprove mps, shop drwings, opinions, reports, surveys, field or ders, chnge or ders or drwings nd specifictions; nd b) Supervisory, in spection, rchi tecturl or engi neering ctivities 3) "Your work" for which consolidted (wrp up) insurnce progrm hs been provided by the primecontrctor project mnger or owner of the construction project in which you re in volved Only with regrd to insurnce pro vided to n dditionl insured desig nted under Prgrph 9 (2) Sub prgrph (f) bove, SECTION III LIMITS OF INSURANCE is mended to include: The limits pplicble to the dditionl insured re those specified in the written contrct or greement or in the Declrtions of this Coverge Prt, whichever re less If no limits re specified in the written contrct or greement, or if there is no written contrct or greement, the limits p plicble to the dditionl insured re those specified in the Declrtions of this Coverge Prt The limits of in surnce re inclusive of nd not in ddition to the limits of insurnce shown in the Declrtions c SECTION IV COMMERCIAL GEN ERAL LIABILITY CONDITIONS is hereby mended s follows: (1) Condition 5 Other Insurnce is mended to include: () Where required by written contrct or greement, this insurnce is primry nd / or noncontributory s re spects ny other insurnce policy issued to the ddi tionl insured, nd such other insurnce policy shll be excess nd / or noncon tributing, whichever pplies, with this insurnce (b) Any insurnce provided by this endorsement shll be primry to other insurnce vilble to the dditionl insured except: 1) As otherwise provided in SECTION IV COMMERCIAL GEN ERAL LIABILITY CONDITIONS, 5 Other Insurnce, b Excess Insurnce; or 2) For ny other vlid nd collectible insurnce vilble to the ddi tionl insured s n dditionl insured by ttchment of n en dorsement to nother insurnce policy tht is written on n excess bsis In such cse, the coverge provided under this endorse ment shll lso be ex cess (2) Condition 11 Conformnce to Specific Written Contrct or Agreement is hereby dded: 11 Conformnce to Specific Written Contrct or Agreement With respect to dditionl insureds described in Pr grph 9 (2)(f) bove only: If written contrct or greement between you nd the dditionl insured specifies tht coverge for the dditionl insured: Be provided by the In surnce Services Of fice dditionl insured form number CG or CG (where edition specified); or b Include coverge for completed opertions; or c Include coverge for "your work"; nd where the limits or cov erge provided to the ddi GA Services Office, Inc, with its permission Pge 13 of 15

14 tionl insured is more re strictive thn ws specifi clly required in tht written contrct or greement, the terms of Prgrphs 9 (3)(), 9 (3)(b) or 9 b bove, or ny combintion thereof, shll be interpreted s providing the limits or coverge required by the terms of the written contrct or greement, but only to the extent tht such limits or coverge is included within the terms of the Coverge Prt to which this endorse ment is ttched If, how ever, the written contrct or greement specifies the In surnce Services Office dditionl insured form number CG but does not specify which edition, or specifies n edition tht does not exist, Prgrphs 9 (3)() nd 9 (3)(b) of this endorsement shll not pply nd Prgrph 9 b of this endorsement shll p ply 10 Brodened Contrctul Libility Work Within 50 of Rilrod Property It is hereby greed tht Prgrph f (1) of Definition 12 "Insured contrct" (SEC TION V DEFINITIONS) is deleted 11 Property Dmge to Borrowed Equip ment b The following is hereby dded to Ex clusion j Dmge to Property of Prgrph 2, Exclusions of SEC TION I COVERAGES, COVERAGE A BODILY INJURY AND PROP ERTY DAMAGE LIABILITY: Prgrphs (3) nd (4) of this exclu sion do not pply to tools or equip ment loned to you, provided they re not being used to perform oper tions t the time of loss With respect to the insurnce pro vided by this section of the en dorsement, the following dditionl provisions pply: (1) The Limits of insurnce shown in the Declrtions re replced by the limits designted in Sec tion B Limits of Insurnce, 11 of this endorsement with respect to coverge provided by this endorsement These limits re inclusive of nd not in ddition to the limits being replced The Limits of Insurnce shown in Section B Limits of Insurnce, 11 of this endorsement fix the most we will py in ny one "oc currence" regrdless of the number of: () Insureds; (b) Clims mde or "suits" brought; or Persons or orgniztions mking clims or bring "suits" (2) Deductible Cluse () Our obligtion to py dm ges on your behlf pplies only to the mount of dm ges for ech "occurrence" which re in excess of the Deductible mount stted in Section B Limits of Insur nce, 11 of this endorse ment The limits of insur nce will not be reduced by the ppliction of such De ductible mount (b) Condition 2 Duties in the Event of Occurrence, Of fense, Clim or Suit, p plies to ech clim or "suit" irrespective of the mount We my py ny prt or ll of the deductible mount to effect settlement of ny clim or "suit" nd, upon notifiction of the ction tken, you shll promptly reimburse us for such prt of the deductible mount s hs been pid by us 12 Employees s Insureds Specified Helth Cre Services It is hereby greed tht Prgrph 2 (1)(d) of SECTION II WHO IS AN INSURED, does not pply to your "em ployees" who provide professionl helth cre services on your behlf s duly li censed: b c Nurses; Emergency Medicl Technicins; or Prmedics, in the jurisdiction where n "occurrence" or offense to which this insurnce pplies tkes plce 13 Brodened Notice of Occurrence Prgrph of Condition 2 Duties in the Event of Occurrence, Offense, Clim or Suit (SECTION IV COMMER CIAL GENERAL LIABILITY CONDI GA Services Office, Inc, with its permission Pge 14 of 15

15 TIONS) is hereby deleted nd replced by the following: You must see to it tht we re noti fied s soon s prcticble of n "occurrence" or n offense which my result in clim To the extent possible, notice should include: (1) How, when nd where the "oc currence" or offense took plce; (2) The nmes nd ddresses of ny injured persons nd wit nesses; nd (3) The nture nd loction of ny injury or dmge rising out of the "occurrence" or offense This requirement pplies only when the "occurrence" or offense is known to n "uthorized representtive" GA Services Office, Inc, with its permission Pge 15 of 15