Boy Scouts of America GL Policy (2020-001)

This Face Page attaches to and becomes a part of the following policy:

Insured: Boy Scouts of America Policy #: MKLV4PBC001681 Effective Date: 3/1/2021 Date Policy/Endorsement Received: Zip Code of Risk Location: 75038

THIS INSURANCE CONTRACT IS WITH AN INSURER NOT LICENSED TO TRANSACT INSURANCE IN THIS STATE AND IS ISSUED AND DELIVERED AS SURPLUS LINE COVERAGE UNDER THE TEXAS INSURANCE STATUTES. THE TEXAS DEPARTMENT OF INSURANCE DOES NOT AUDIT THE FINANCES OR REVIEW THE SOLVENCY OF THE SURPLUS LINES INSURER PROVIDING THIS COVERAGE, AND THE INSURER IS NOT A MEMBER OF THE PROPERTY AND CASUALTY INSURANCE GUARANTY ASSOCATION CREATED UNDER CHAPTER 462, INSURANCE CODE. CHAPTER 225, INSURANCE CODE, REQUIRES PAYMENT OF A 4.85 PERCENT TAX ON GROSS PREMIUM. Rev. 4/1/09

Name and Address of Insurer: Evanston Insurance Company

Name and Address of Surplus Lines Agent: R-T Specialty, LLC 180 N. Stetson Avenue, Suite 4600 Chicago, IL 60601

Figure: 28 TAC §1.601(a)(2)(B)

Have a complaint or need help? If you have a problem with a claim or your premium, call your insurance company or HMO first. If you can't work out the issue, the Texas Department of Insurance may be able to help.

Even if you file a complaint with the Texas Department of Insurance, you should also file a complaint or appeal through your insurance company or HMO. If you don't, you may lose your right to appeal.

Evanston Insurance Company To get information or file a complaint with your insurance company or HMO:

Call: Evanston Insurance Company at (847) 572-6000 Toll-free: Online: Email: Mail: 4521 Highwoods Parkway

Glen Allen, VA 23060-6148

The Texas Department of Insurance To get help with an insurance question or file a complaint with the state:

Call with a question: 1-800-252-3439 File a complaint: www.tdi.texas.gov Email: [email protected] Mail: MC 111-1A, P.O. Box 149091, Austin, TX 78714-9091

¿Tiene una queja o necesita ayuda? Si tiene un problema con una reclamación o con su prima de seguro, llame primero a su compañía de seguros o HMO. Si no puede resolver el problema, es posible que el Departamento de Seguros de Texas (Texas Department of Insurance, por su nombre en inglés) pueda ayudar.

Aun si usted presenta una queja ante el Departamento de Seguros de Texas, también debe presentar una queja a través del proceso de quejas o de apelaciones de su compañía de seguros o HMO. Si no lo hace, podría perder su derecho para apelar.

Evanston Insurance Company Para obtener información o para presentar una queja ante su compañía de seguros o HMO:

http://www.tdi.texas.gov/

mailto:[email protected]

Llame a: Evanston Insurance Company al (847) 572-6000 Teléfono gratuito: En línea: Correo electrónico: Dirección postal: 4521 Highwoods Parkway

Glen Allen, VA 23060-6148 El Departamento de Seguros de Texas Para obtener ayuda con una pregunta relacionada con los seguros o para presentar una queja ante el estado:

Llame con sus preguntas al: 1-800-252-3439 Presente una queja en: www.tdi.texas.gov Correo electrónico: [email protected]

Dirección postal: MC 111-1A, P.O. Box 149091, Austin, TX 78714-90



MJIL 1000 08 10 Page 1 of 1

A STOCK COMPANY

MARKEL® EVANSTON INSURANCE COMPANY

Ten Parkway North Deerfield, IL 60015

INSURANCE POLICY

Coverage afforded by this policy is provided by the Company (Insurer) and named in the Declarations.

In Witness Whereof, the company (insurer) has caused this policy to be executed and attested and countersigned by a duly authorized representative of the company (insurer) identified in the Declarations.

Secretary President

MPIL 1007 01 20 Page 1 of 3

EVANSTON INSURANCE COMPANY

PRIVACY NOTICE U. S. Consumer Privacy Notice Rev. 1/1/2020

FACTS WHAT DOES MARKEL GROUP OF COMPANIES REFERENCED BELOW (INDIVIDUALLY OR COLLECTIVELY REFERRED TO AS "WE", "US", OR "OUR") DO WITH YOUR PERSONAL INFORMATION?

Why? In the course of Our business relationship with you, We collect information about you that is necessary to provide you with Our products and services. We treat this information as confidential and recognize the importance of protecting it. Federal and state law gives you the right to limit some but not all sharing of your personal information. Federal and state law also requires Us to tell you how We collect, share, and protect your personal information. Please read this notice carefully to understand what We do.

What? The types of personal information We collect and share depend on the product or service you have with Us. This information can include: • your name, mailing and email address(es), telephone number, date of birth, gender, marital or family status,

identification numbers issued by government bodies or agencies (i.e.: Social Security number or FEIN, driver’s license or other license number), employment, education, occupation, or assets and income from applications and other forms from you, your employer and others;

• your policy coverage, claims, premiums, and payment history from your dealings with Us, Our Affiliates, or others;

• your financial history from other insurance companies, financial organizations, or consumer reporting agencies, including but not limited to payment card numbers, bank account or other financial account numbers and account details, credit history and credit scores, assets and income and other financial information, or your medical history and records.

Personal information does not include: • publicly-available information from government records; • de-identified or aggregated consumer information. When you are no longer Our customer, We continue to share your information as described in this Notice as required by law.

How? All insurance companies need to share customers’ personal information to run their everyday business. In the section below, We list the reasons financial companies can share their customers’ personal information; the reasons We choose to share; and whether you can limit this sharing. We restrict access to your personal information to those individuals, such as Our employees and agents, who provide you with insurance products and services. We may disclose your personal information to Our Affiliates and Nonaffiliates (1) to process your transaction with Us, for instance, to determine eligibility for coverage, to process claims, or to prevent fraud, or (2) with your written authorization, or (3) otherwise as permitted by law. We do not disclose any of your personal information, as Our customer or former customer, except as described in this Notice.

MPIL 1007 01 20 Page 2 of 3

Reasons We can share your personal information Do We share?

Can you limit this sharing?

For Our everyday business purposes and as required by law – such as to process your transactions, maintain your account(s), respond to court orders and legal/regulatory investigations, to prevent fraud, or report to credit bureaus

Yes No

For Our marketing purposes – to offer Our products and services to you

Yes No

For Joint Marketing with other financial companies Yes No

For Our Affiliates’ everyday business purposes – information about your transactions and experiences

Yes No

For Our Affiliates’ everyday business purposes – information about your creditworthiness

No We don’t share

For Our Affiliates to market you No We don’t share

For Nonaffiliates to market you No We don’t share

Questions? Call (888) 560-4671 or email [email protected]

Who We are

Who is providing this Notice? A list of Our companies is located at the end of this Notice.

What We do

How do We protect your personal information?

We maintain reasonable physical, electronic, and procedural safeguards to protect your personal information and to comply with applicable regulatory standards. For more information, visit www.markel.com/privacy-policy.

How do We collect your personal information?

We collect your personal information, for example, when you • complete an application or other form for insurance • perform transactions with Us, Our Affiliates, or others • file an insurance claim or provide account information • use your credit or debit card We also collect your personal information from others, such as consumer reporting agencies that provide Us with information such as credit information, driving records, and claim histories.

Why can’t you limit all sharing of your personal information?

Federal law gives you the right to limit only • sharing for Affiliates’ everyday business purposes – information about your

creditworthiness • Affiliates from using your information to market to you • sharing for Nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See the Other Important Information section of this Notice for more on your rights under state law.


http://www.markel.com/privacy-policy

MPIL 1007 01 20 Page 3 of 3

Definitions

Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. • Our Affiliates include member companies of Markel Group.

Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. • Nonaffiliates that We can share with can include financial services companies such as

insurance agencies or brokers, claims adjusters, reinsurers, and auditors, state insurance officials, law enforcement, and others as permitted by law.

Joint Marketing A formal agreement between Nonaffiliated companies that together market financial products or services to you. • Our Joint Marketing providers can include entities providing a service or product that could

allow Us to provide a broader selection of insurance products to you.

Other Important Information

For Residents of AZ, CT, GA, IL, ME, MA, MN, MT, NV, NJ, NC, OH, OR, and VA: Under state law, under certain circumstances you have the right to access and request correction, amendment or deletion of personal information that We have collected from or about you. To do so, contact your agent, visit www.markel.com/privacy-policy, call (888) 560- 4671, or write to Markel Corporation Privacy Office, 4521 Highwoods Parkway, Glen Allen, VA 23060. We may charge a reasonable fee to cover the costs of providing this information. We will let you know what actions We take. If you do not agree with Our actions, you may send Us a statement.

For Residents of CA: You have the right to review, make corrections, or delete your recorded personal information contained in Our files. To do so, contact your agent, visit www.markel.com/privacy-policy, call (888) 560-4671, or write to Markel Corporation Privacy Office, 4521 Highwoods Parkway, Glen Allen, VA 23060. We do not and will not sell your personal information. For the categories of personal information We have collected from consumers within the last 12 months, please visit: www.markel.com/privacy-policy.

For Residents of MA and ME: You may ask, in writing, for specific reason, for an adverse underwriting decision.

Markel Group of Companies Providing This Notice: City National Insurance Company, Essentia Insurance Company, Evanston Insurance Company, FirstComp Insurance Company, Independent Specialty Insurance Company, National Specialty Insurance Company, Markel Bermuda Limited, Markel American Insurance Company, Markel Global Reinsurance Company, Markel Insurance Company, Markel International Insurance Company Limited, Markel Service, Incorporated, Markel West, Inc. (d/b/a in CA as Markel West Insurance Services), Pinnacle National Insurance Company, State National Insurance Company, Inc., Superior Specialty Insurance Company, SureTec Agency Services, Inc. (d/b/a in CA as SureTec Agency Insurance Services), SureTec Indemnity Company, SureTec Insurance Company, United Specialty Insurance Company, Inc.





TEXAS IMPORTANT NOTICE

Have a complaint or need help? If you have a problem with a claim or your premium, call your insurance company or HMO first. If you can't work out the issue, the Texas Department of Insurance may be able to help.

Even if you file a complaint with the Texas Department of Insurance, you should also file a complaint or appeal through your insurance company or HMO. If you don't, you may lose your right to appeal.

EVANSTON INSURANCE COMPANY To get information or file a complaint with your insurance company or HMO:

Call: Markel Legal Department Toll-free: 1-800-507-7626 Online: www.markel.com Email: [email protected] Mail: 10275 West Higgins Rd, Suite 750, Rosemont, IL 60018

The Texas Department of Insurance To get help with an insurance question or file a complaint with the state:

Call with a question: 1-800-252-3439 File a complaint: www.tdi.texas.gov Email: [email protected] Mail: MC 111-1A, P.O. Box 149091, Austin, TX 78714-9091

¿Tiene una queja o necesita ayuda?

Si tiene un problema con una reclamación o con su prima de seguro, llame primero a su compañía de seguros o HMO. Si no puede resolver el problema, es posible que el Departamento de Seguros de Texas (Texas Department of Insurance, por su nombre en inglés) pueda ayudar.

Aun si usted presenta una queja ante el Departamento de Seguros de Texas, también debe presentar una queja a través del proceso de quejas o de apelaciones de su compañía de seguros o HMO. Si no lo hace, podría perder su derecho para apelar.

EVANSTON INSURANCE COMPANY Para obtener información o para presentar una queja ante su compañía de seguros o HMO:

Llame a: Markel Legal Department Teléfono gratuito: 1-800-507-7626 Online: www.markel.com Correo electrónico: [email protected] Dirección postal: 10275 West Higgins Rd, Suite 750, Rosemont, IL 60018

El Departamento de Seguros de Texas Para obtener ayuda con una pregunta relacionada con los seguros o para presentar una queja ante el estado:

Llame con sus preguntas al: 1-800-252-3439 Presente una queja en: www.tdi.texas.gov Correo electrónico: [email protected] Dirección postal: MC 111-1A, P.O. Box 149091, Austin, TX 78714-9091

MPIL 1009-TX 05 20

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http://www.markel.com/




http://www.markel.com/




111

MARKEL®

EVANSTON INSURANCE COMPANY U.S. TREASURY DEPARTMENT'S OFFICE OF FOREIGN

ASSETS CONTROL ("OFAC") ADVISORY NOTICE TO POLICYHOLDERS

INTERLINE

No coverage is provided by this Policyholder Notice nor can it be construed to replace any provisions of your policy. You should read your policy and review your Declarations page for complete information on the coverages you are provided.

This Notice provides information concerning possible impact on your insurance coverage due to directives issued by OFAC. Please read this Notice carefully.

The Office of Foreign Assets Control (OFAC) administers and enforces sanctions policy, based on Presidential declarations of "national emergency''. OFAC has identified and listed numerous:

• Foreign agents; • Front organizations; • Terrorists; • Terrorist organizations; and • Narcotics traffickers;

as "Specially Designated Nationals and Blocked Persons". This list can be located on the United States Treasury's web site - http//www.treas.gov/ofac.

In accordance with OFAC regulations, if it is determined that you or any other insured, or any person or entity claiming the benefits of this insurance has violated U.S. sanctions law or is a Specially Designated National and Blocked Person, as identified by OFAC, this insurance will be considered a blocked or frozen contract and all provisions of this insurance are immediately subject to OFAC. When an insurance policy is considered to be such a blocked or frozen contract, no payments nor premium refunds may be made without authorization from OFAC. Other limitations on the premiums and payments also apply.

MPIL 1083 04 15 Includes copyrighted material of Insurance Services Office, Inc. with its permission.

Page 1 of 1

http://www.treas.gov/ofac

111 1 MARKEL® EVANSTON INSURANCE COMPANY

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

TRADE OR ECONOMIC SANCTIONS

The following is added to this policy:

Trade Or Economic Sanctions

This insurance does not provide any coverage, and we (the Company) shall not make payment of any claim or provide any benefit hereunder, to the extent that the provision of such coverage, payment of such claim or provision of such benefit would expose us (the Company) to a violation of any applicable trade or economic sanctions, laws or regulations, including but not limited to, those administered and enforced by the United States Treasury Department's Office of Foreign Assets Control (OFAC).

All other terms and conditions remain unchanged.

MIL 1214 09 17 Page 1 of 1

merica Page 1 of 2

POLICY NUMBER


COMMERCIAL GENERAL LIABILITY DECLARATIONS

POLICYHOLDER SERVICE OFFICE: PRODUCER MKLV4PBC001681 Evanston Insurance Company RENEWAL OF NUMBER 10 Parkway North

RT Specialty, LLC 12404 Park Central Drive Ste. 380

MKLV4PBC000980 Deerfield, IL 60015 Dallas, TX 75251

NAMED INSURED AND MAILING ADDRESS Boy Scouts of America, National Council and all of its affiliates and subsidiaries and all Local Councils and all their affiliates and subsidiaries and Learning for Life 1325 Walnut Hill Lane Irving, TX 75062

POLICY PERIOD: FROM 03/01/2021 TO 03/01/2022 AT 12:01 A.M. STANDARD TIME AT THE NAMED INSURED'S MAILING ADDRESS SHOWN ABOVE.

IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL THE TERMS OF

THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY.

LIMITS OF LIABILITY PERSONAL INJURY, PROPERTY DAMAGE AND MALPRACTICE LIMIT OF LIABILITY

$1,000,000 Combined, Each Occurrence $10,000,000 Combined General Aggregate

PREMIUM

STATE TAX OR OTHER (IF APPLICABLE) $ TOTAL PREMIUM (SUBJECT TO AUDIT) $10,606,061

PREMIUM SHOWN IS PAYABLE: AT INCEPTION $ AT EACH ANNIVERSARY (IF POLICY PERIOD IS MORE THAN ONE YEAR AND PREMIUM IS PAID IN ANNUAL INSTALLMENTS) AUDIT PERIOD (IF APPLICABLE) ANNUALLY SEMI-ANNUALLY QUARTERLY MONTHLY

ENDORSEMENTS ENDORSEMENTS ATTACHED TO THIS POLICY:

See Forms Index

THESE DECLARATIONS, TOGETHER WITH THE COMMERCIAL GENERAL LIABILITY POLICY AND ANY ENDORSEMENT(S), COMPLETE THE ABOVE NUMBERED POLICY.

Countersigned (Date): 03/05/2021 By (Authorized Representa- tive:

MEIL 1201-DEC 03 21 MKLV4PBC001681 Boy Scouts Of A

03/01/2021-03/01/2022

INTERLINE POLICY NUMBER: MKLV4PBC001681


FORMS SCHEDULE

FORM NUMBER FORM NAME

MJIL 1000 08 10 MPIL 1007 01 20 MPIL 1009-TX 05 20 MPIL 1083 04 15 MIL 1214 09 17 MEIL 1201-DEC 03 21 MDIL 1001 08 11 MEIL 1201-CGLCF 03 21 CG 20 01 04 13 CG 20 11 04 13 MEIL 1201-COPI 03 19 MEIL 1201-DENOC 03 19 MEIL 1201-DENOC 03 19 MEIL 1201-DOEM 03 21 MEIL 1201-EBL 03 19 MEIL 1201-EL 03 19 MEIL 1201-LEX 03 19 MEIL 1201-NELEX 03 19 MEIL 1201-PED 03 19 MEIL 1201-PI 03 19 MEIL 1201-POPI 03 19 MEIL 1201-RVXS 03 19 MEIL 1201-TRIA 03 19 MEIL 1201-UFDH 03 19

Policy Jacket Privacy Notice Texas Important Notice US Treasury Dept's Office Of Foreign Assets Control ("OFAC") Notice Trade Or Economic Sanctions Commercial General Liability Declarations Forms Schedule Commercial General Liability Insuring Agreement Primary & Noncontributory - Other Ins Condition Additional Insured-Managers or Lessors of Premises Charter Organizations Primary Insurance Endorsement Designated Entity - Notice of Cancellation Designated Entity - Notice of Cancellation - US Department of Justice Date of Exposure for Molestation Claims Employee Benefits Liability Employers Liability Endorsement Lead Exclusion Endorsement Nuclear Energy Liability Exclusion Endorsement Punitive or Exemplary Damages Protection and Indemnity Coverage Participating Organizations Primary Insurance Endorsement Registered Volunteer Excess Insurance Endorsement Cap on Losses From Certified Acts of Terrorism Unintentional Failure to Disclose Hazards

MEIL 1201-WOS 03 19 Waiver of Subrogation Changes MEIL 1201-AI 03 21 Additional Insured - Certificate Holder MEIL 1201-AI 03 19 Additional Insured - As Shown Within Policy

MDIL 1001 08 11 Page 1 of 2


COMMERCIAL GENERAL LIABILITY POLICY

INSURING AGREEMENT

Evanston Insurance Company ("Company") agrees with the Named Insured named in the Declarations made a part hereof, in consideration of the payment of the premium and in reliance upon the statements in the Declarations and subject to the limits of liability, exclusions, and other terms of the policy as follows:

To pay on behalf of the insured all sums which the Named Insured shall become legally obligated to pay as Damages arising out of an Official Scouting Activity because of:

A. Personal Injury;

B. Property Damage; or

C. Malpractice

to which this insurance applies, caused by an Occurrence and the Company shall have the right and duty to defend any suit against the Named Insured seeking Damages on account of such Personal Injury, Property Damage or Malpractice, even if any of the allegations of the suit are groundless, false or fraudulent, and may make such investigation, and as respects Personal Injury, Property Damage or Malpractice, such settlement of any claim or suit as it deems expedient, but the Company, shall not be obligated to pay any claim or judgment or to defend any suit after the applicable limit of the Company's liability has been exhausted by payment of judgments or settlements.

EXCLUSIONS

This insurance does not apply:

(a) to Personal Injury or Property Damage arising out of the ownership, maintenance, operation,

use, loading or unloading of:

(1) any Aircraft operated by or rented or loaned to the Named Insured except Aircraft for the following approved use:

(a) Aircraft can be used for Basic Orientation Flight, Advanced Orientation Flight,

or Tethered Balloon Flight for members of Boy Scouts of America or Learning for Life during aviation related Scouting or Learning for Life activities;

(b) Does not apply to any liability assumed in any agreement; or

(2) any Automobile owned or leased on a long term basis by the Local Councils,

Employees of Local Councils, Registered Volunteers and Volunteers of Local Councils for the first $1,000,000 of Automobile Liability;

(3) any Automobile owned or leased on a long term basis by the Named Insured (other than

Local Councils referred to in (2) above); or

(4) Any 15 passenger van manufactured prior to 2005 that is owned, non-owned, hired or leased on a long term basis.

MEIL 1201-CGLCF 03 21 MKLV4PBC001681 Boy Scouts Of America 03/01/2021-03/01/2022

Page 1 of 12


Page 2 of 12

but this exclusion does not apply to the parking of an Automobile on premises owned by, rented to, or controlled by the Named Insured or the ways immediately adjoining, if such Automobile is not owned by or rented to the Named Insured or to liability assumed by the insured under contract.

(b) to Personal Injury or Property Damage, arising out of and in the course of the transportation of

Mobile Equipment by an Automobile owned or operated by or rented or loaned to the Named Insured; but this exclusion does not apply to liability assumed by the insured under the contract.

(c) to Personal Injury or Property Damage due to war, whether or not declared, civil war,

insurrection, rebellion or revolution or to any act or condition incident to any of the foregoing, with respect:

(1) liability assumed by the insured under contract; or

(2) expenses for immediate medical and surgical relief.

(d) to any obligation for which the insured or any carrier as his insurer may be liable under any

workers' compensation, unemployment compensation or disability benefits law, or under any similar law.

(e) to Personal Injury or Property Damage arising out of the Named Insured's Products or

Completed Operations Hazard.

(f) (1) to Personal Injury or Property Damage arising out of:

(a) inhaling, ingesting or prolonged physical exposure to asbestos or goods containing asbestos;

(b) the use of asbestos in constructing or manufacturing any goods, products or

structures;

(c) the removal of asbestos from any goods, products or structures; or

(d) the manufacture, transportation, storage or disposal of asbestos or goods or products containing asbestos.

(2) this insurance does not apply to any:

(a) to any request, demand or order that any insured or others test for, monitor,

clean up, remove, contain, treat, detoxify, remediate, neutralize, or in any way respond to or assess the extent or the effects of asbestos.

(b) to any payment for the investigation or defense of any loss, injury or damage or

any cost, fine or penalty or for any expense, claim or suit related to any of the above.

(g) (1) to Personal Injury or Property Damage arising out of or in any way related to the actual,

alleged, or threatened discharge, dispersal, release or escape of Pollutants by whomever caused, including, but not limited to, into or upon land, the atmosphere or any watercourse or body of water, including underground water or water table supplies.

(2) to any loss, cost or expense arising out of any demand or request that an Insured test for,

assess, monitor, clean-up, remove, contain, treat, detoxify, or neutralize any Pollutants. This includes demands, directives, complaints, suits or requests brought by any governmental entity or by any person or group of persons.


Page 3 of 12

The Company shall not have the duty to defend any claim or suit seeking to impose such costs, expenses, liability for Damages, or any other relief.

This exclusion does not apply to Personal Injury or Property Damage caused by heat, smoke or fumes from a Hostile Fire:

(a) at or from premises you own, rent, or occupy; or

(b) at or from any site or location on which you or any of your contractors working directly or

indirectly on your behalf are performing operations, if Pollutants are brought on or to the site in connection with such operations.

(h) to any loss, cost or expense payable under or resulting from any of the following Automobile

coverages:

(1) first-party physical damage coverage;

(2) personal injury protection (or equivalent no-fault coverage) or auto medical payments coverage subject to state law and regulation;

(3) uninsured or underinsured motorists coverage subject to state law and regulation.

(i) to Personal Injury or Property Damage arising out of the ownership, maintenance, operation, use, loading or unloading of any watercraft or boat owned, operated by, rented, loaned or leased by Local Councils for the first $300,000 for watercraft/boats under 26 feet or for the first $500,000 for watercraft/boats over 26 feet. This exclusion does not apply to Personal Injury or Property Damage arising out of the ownership, maintenance, operation, use, loading or unloading of any canoes, kayaks, rafts, catamarans and sailboats under 26 feet.

PERSONS OR ENTITIES INSURED

The unqualified word Insured includes:

(a) The following are clause (a) insureds:

1. The Named Insured named in the Declarations of this policy;

2. any Scout Professional;

3. Employees of Boy Scouts of America, local Scout Councils, Learning for Life but only while in the course and scope of their duties as Employees;

4. Registered Volunteers of Boy Scouts of America, but only while participating in an

Official Scouting Activity and in the scope of their duties as such;

5. Registered Participating Volunteers of Learning for Life, but only while participating in an Official Learning for Life Activity and in the scope of their duties as such;

6. Chartered Organizations;

7. Participating Organizations.

(b) The following are clause (b) insureds:

1. All other Employees not included in paragraph (a) 2. and 3. above;

2. Units;


Page 4 of 12

3. any Volunteers not included in paragraph (a) 4. above while participating in an Official Scouting Activity or Official Learning for Life Activity, and in the scope of their duties as such; whether or not registered with the Boy Scouts of America or Learning for Life;

4. any Participating Volunteers not included in paragraph (a) 5. above, while participating

in an Official Learning for Life Activity and in the scope of their duties as such; and

5. any Association, Federation, or Joint Venture of the local Boy Scouts of America Councils formed to provide inter-council Boy Scout of America programs or council property management.

(c) any person, organization, trustee, estate or governmental entity to whom or to which the Named

Insured is obligated, by virtue of any contract or by the issuance or existence of a permit or certificate of insurance, to provide insurance such as is afforded by this policy, but only with respect to operations by or on behalf of the Named Insured or to facilities of, or facilities used by the Named Insured and then only for the limits of liability specified in such contract, but in no event for limits of liability in excess of the applicable limits of liability of this policy.

(d) any Scout Professional as defined herein and any Unit with respect to the use of a non-owned

Automobile in the Official Scouting Activities of the Named Insured or any Unit; the donors, loaners or owners of non-owned Automobiles while being used in the Official Scouting Activities of the Named Insured or any Unit, except for owners of a non-owned vehicle that are for-hire carriers of passengers.

(e) any Learning for Life Executive as defined herein and any Unit with respect to the use of a

non-owned Automobile in the Learning for Life activities of the Named Insured or any Unit; the donors, loaners or owners of non-owned Automobiles while being used in the Learning for Life activities of the Named Insured or any Unit, except for owners of a non-owned vehicle that are for- hire carriers of passengers.

(f) Donors or owners of watercraft, vehicles, equipment, Mobile Equipment, Automobiles and

Aircraft while being used in Official Scouting Activities of the Named Insured or any Unit.

(g) Donors or owners of watercraft, vehicles, equipment, Mobile Equipment, Automobiles and Aircraft while being used in Official Learning for Life Activities of the Named Insured or any Unit.

LIMITS OF LIABILITY

Regardless of the number of:

(1) insureds under this policy;

(2) persons or organizations who sustain Personal Injury, Property Damage or Malpractice; or

(3) claims made or suits brought on account of Personal Injury, Property Damage or Malpractice,

the Company's liability is limited as follows:

The Limits of Liability shown in the Declarations represents the total limit of the Company's liability for Damages sustained by one or more persons or organizations for any one Occurrence as a result of Personal Injury, Property Damage and Malpractice.

The General Aggregate Limit shown on the Declarations is the most we will pay under all Insuring Agreements for the sum of all Damages.


Page 5 of 12

The Limits of Insurance of this Policy apply separately to each consecutive annual period and to any remaining period of less than 12 months, starting with the beginning of the policy period shown in the Declarations, unless the policy period is extended after issuance for an additional period of less than 12 months. In that case, the additional period will be deemed part of the last preceding period for purposes of determining the Limit of Insurance.

For the purposes of determining the limit of the Company's liability, all Personal Injury, Property Damage and Malpractice arising out of continuous or repeated exposure to substantially the same general conditions shall be considered as arising out of one Occurrence.

The inclusion in this policy of more than one insured shall not operate to increase the limits of the Company's total liability to all insured's covered by this policy beyond the limits set forth in the Declarations.

If coverage or payment is available to any Named Insured(s) or insured(s) under any insurance, self- insurance, fund or scheme for a loss covered under this policy, then any amount payable on behalf of that or those Named Insured(s) or insured(s) for Damages and/or Allocated Loss Adjustment Expense under all such other insurance, self-insurance, fund or scheme shall reduce the applicable limits of liability available for all Named Insured's and other insured's by those amounts. However, for the insureds described in paragraph (c) of PERSONS OR ENTITIES INSURED the limits of liability apply on the basis described in such paragraph (c).

For any one Occurrence, the most we will pay is the Combined, Each Occurrence Limit.

POLICY TERRITORY

This policy applies to Occurrences which take place during the policy period anywhere in the world.

DEFINITIONS

When used in this policy (including endorsements forming a part hereof):

Advanced Orientation Flight

Advanced Orientation Flight means a flight will be within 50 nautical miles of the departure airport, and the plane may land at other locations before returning. The pilot must have at least a private pilot's certificate and 500 hours' total flight time, must be current under FAR 61 to carry passengers and have a current medical certificate under FAR 61.

Aircraft

Aircraft means Non-Owned Aircraft; included are parts and equipment permanently installed in or on the Aircraft. Restricted, limited, light sport, and experimental category airworthiness certificates are not authorized.

Allocated Loss Adjustment Expense

Allocated Loss Adjustment Expense includes but is not limited to any one or more of the following:

(a) attorneys' fees for investigating, defending or settling any claims or suit;

(b) other costs and other items of expense such as:

(i) costs for medical, expert and other witnesses at trials or hearings, stenographic costs

and costs of copies of documents and transcripts; and


Page 6 of 12

(ii) medical, expert or consultant fees and expenses relating to the defense of any claim or suit;

(c) the cost of bail bonds required because of accident or traffic law violations arising out of the use

of any Automobile to which the Personal Injury or Property Damage Coverage applies, but the Company does not have to furnish these bonds;

(d) the cost of appeal bonds and bonds to release attachments within the applicable limit of liability,

but the Company does not have to furnish these bonds;

(e) all costs taxed against the insured in the suit;

(f) prejudgment interest awarded against the insured on that part of the judgment this policy pays. However, if the Company makes a settlement offer with the applicable limit of insurance of this policy that is acceptable to the claimant, or makes an offer to pay the applicable limit of liability, the Company will not pay any prejudgment interest;

(g) post-judgment interest awarded against the insured on the part of the judgment this policy pays

that accrues after the judgment and before Company has paid, offered to pay or deposited in court the part of the judgment that is within the applicable limit of liability; or

(h) any costs incurred in the investigation of any claims or suits.

Allocated Loss Adjustment Expense does not include services fees of any third-party administrators retained by or on behalf of the insured.

Architect's Malpractice Injury

Architect's Malpractice Injury means injury because of any act, error or omission committed or alleged to have been committed by the insured, but solely while in the performance of architectural professional services for or on behalf of the Named Insured during the policy period for or on behalf of the Named Insured.

Automobile

Except where stated to the contrary, the word Automobile means a land motor vehicle or trailer as follows:

(1) Owned Automobile - an Automobile owned or leased on a long-term basis by the Named

Insured;

(2) Hired Automobile - an Automobile used under contract on behalf of, or loaned to the Named Insured or any Unit provided such Automobile is not owned by or leased on a long-term basis or registered in the name of:

(a) the Named Insured or any Unit; or

(b) any Scout Professional, Learning for Life Executive; or

(c) an Employee or agent of:

(a) the Named Insured or any Unit; or

(b) any Scout Professional, Learning for Life Executive; or

(c) an Employee or agent of the Named Insured or any Unit who is granted an

operating allowance of any sort for the use of such Automobile; or


Page 7 of 12

(3) Non-Owned Automobile - any Automobile other than owned or hired Automobile.

(4) Any Automobile does not include Mobile Equipment.

Basic Orientation Flight

Basic Orientation Flight means a flight will be within 25 nautical miles of the departure airport, with no stops before returning. The pilot must have at least a private pilot's certificate, at least 250 hours' total flight time, be current under FAR 61 to carry passengers, and have a current medical certificate under FAR 61.

Chartered Organization

Chartered Organization means an organization that has applied for and received a current Boy Scouts of America Charter to operate a Scouting Unit. The term Chartered Organization shall include the Chartered Organization, its board of directors and/or trustees, its officers and employees, in their official and individual capacity. The term Chartered Organization includes the specific position of Chartered Organization Representative.

Completed Operations Hazard

Completed Operations Hazard - includes Personal Injury and Property Damage arising out of operation or reliance upon a representation or warranty made at any time with respect thereto, but only if the Personal Injury or Property Damage occurs after such operations have been completed or abandoned and occurs away from premises owned by or rented to the Named Insured.

Damages

Damages as respects Coverage A and B, includes Damages for death and for care and loss of services resulting from Personal injury and Damages for loss of use of property resulting from Property Damage; Damages, as respects Coverage C means all Damages, including Damages for death, which are payable because of injury to which the insurance afforded under Coverage C applies.

Damages include Allocated Loss Adjustment Expense.

Employee

Employee(s) means an individual hired by and paid by Boy Scouts of America, local Scout Councils, Learning for Life. Employee does not include contract labor or leased employees.

Engineer's Malpractice Injury

Engineer's Malpractice Injury means injury because of any act, error or omission committed or alleged to have been committed by the insured, but solely while in the performance of engineering professional services for or on behalf of the Named Insured during the policy period for or on behalf of the Named Insured.

Hostile Fire

Hostile Fire means one which becomes uncontrollable or breaks out from where it was intended to be.

Lawyer's Malpractice Injury

Lawyer's Malpractice Injury means injury because of any act, error or omission of the insured or of any person for whose acts or omission the insured is legally responsible and arising out of the performance of


Page 8 of 12

professional legal services for others during the policy period for or on behalf of the Named Insured.

Learning for Life Executive(s)

Learning for Life Executive(s) means a registered, full-time Employee who is commissioned or certified to serve in an approved position by having completed formal training, E-learning through Scouting U, or a National Training School.

Local Council

Local Council means an administrative body chartered by the National Council to be responsible for Scouting and Learning for Life in a designated geographic territory. The program is directed by an executive board of volunteers and administered by a Scout Executive and staff of professional Scouters and Learning for Life Executives.

Malpractice

Malpractice means Medical Malpractice Injury, Lawyer's Malpractice Injury, Architect's Malpractice Injury, Engineer's Malpractice Injury as defined in the policy.

Medical Malpractice Injury

Medical Malpractice Injury means injury to any person, arising out of the rendering of or failure to render, by an insured as defined under this policy during the policy period, the following professional services:

(a) medical, surgical, dental or nursing treatment, including the furnishing of or a failure to furnish

food or beverages in connection therewith,

(b) furnishing or dispensing or failure to furnish or dispense drugs or medical, dental or surgical supplies or appliances.

Mobile Equipment

Mobile Equipment means a land vehicle (including any machinery or apparatus attached thereto), whether or not self-propelled:

(1) not subject to motor vehicle registration, or

(2) maintained for use exclusively on premises owned by, donated to, loaned to or rented to the

Named Insured, including the ways immediately adjoining, or

(3) designed for use principally off public roads, or

(4) designed or maintained for the sole purpose of affording mobility to equipment of the following types or forming an integral part of or permanently attached to such vehicles; power cranes, shovels, loaders, diggers and drills; concrete mixers (other than the mix-in transit type); graders, scrapers, rollers and other road construction or repair equipment; air-compressors, pumps and generators, including spraying, welding and building cleaning equipment; and geophysical exploration and well servicing equipment.

Named Insured's Products

Named Insured's Products means goods or products manufactured, sold, handled or distributed by the Named Insured or by others trading under their name, including any container thereof (other than a vehicle), but Named Insured's Products shall not include a vending machine or any property other than such a container, rented to or located for use of others but not sold.


Page 9 of 12

Non-Owned Aircraft

Non-Owned Aircraft means any Aircraft except one:

(1) Owned in whole or in part by or registered to you; or

(2) Leased to you for 30 consecutive days within the policy period or two policy periods.

Occurrence

Occurrence means an accident or event including continuous or repeated exposure to conditions, which results in Personal Injury, Property Damage or Malpractice, during the policy period, neither expected nor intended from the standpoint of the insured (injury or damage committed to prevent or eliminate danger or to protect person(s) or property shall be deemed neither expected nor intended from the standpoint of the insured), and providing that all loss covered under this policy arising out of exposure to substantially the same general conditions shall be considered as arising out of one Occurrence.

Official Learning for Life Activity

Official Learning for Life Activity means an activity that is consistent with the mission, By-Laws and Rules and Regulations of Learning for Life.

Official Scouting Activity

Official Scouting Activity means an activity that is consistent with the values, Charter and By-laws, Rules and Regulations, the operation manuals and applicable literature of Boy Scouts of America.

Participating Organization

Participating Organization means all participating organizations, as on file with Learning for Life. The term Participating Organization shall include the Participating Organization, its board of directors and/or trustees, its officers and employees, in their official and individual capacity.

Participating Volunteer(s)

Participating Volunteer(s) means an individual who donates services or time to support the program of Learning for Life, who is not a Registered Participating Volunteer.

Personal Injury

Personal Injury means, but is not limited to:

(1) bodily injury, sickness, disease, disability, mental anguish, and other mental injury and death;

(2) false arrest, detention or imprisonment, or malicious prosecution;

(3) the publication of or utterance of libel or slander and or other defamatory material, or a publication

or utterance in violation of an individual's right of privacy, except when any of the foregoing of this part (3) arises from publications or utterances in the course of or related to advertising, broadcasting, or telecasting activities conducted by or on behalf of the Named Insured;

(4) wrongful entry or eviction or other invasion of the right of private occupancy;

(5) discrimination or harassment; shock, fright; humiliation, disparaging statements concerning the

condition, value, quality or use of real or personal property; loss of means of support; wrongful


Page 10 of 12

dismissal or termination, demotion or reassignment, disparate treatment or disparate impact.

Pollutants

Pollutants mean any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed.

Property Damage

Property Damage means injury to or destruction of property, including consequential loss and expenses resulting therefrom; and loss of use of or reduction of value of property which has not been physically injured or destroyed.

Registered Volunteer

Registered Volunteer(s) means a Registered Adult member of the Boy Scouts of America who donates services or time to support the program of the Boy Scouts of America. Registered Adult means:

(1) an individual 21 years of age or older who has been accepted for registration for that year by Boy

Scouts of America, paid a registration fee and been issued a current registration card; or

(2) an individual 18-20 years of age who has been accepted for registration in a leadership capacity for that year by Boy Scouts of America, paid a registration fee, and been issued a current registration card.

Registered Participating Volunteer(s) means a Registered Adult participant of Learning for Life who donates services or time to support the program of Learning for Life. Registered Adult means:

(1) an individual 21 years of age or older who has been accepted for registration for that year by

Learning for Life and whose registration has been paid.

Scout Professional

Scout Professional(s) means a registered, full-time Employee who is commissioned to serve in an approved professional position by having successfully completed formal training, E-learning through Scouting U, or a National Training School.

Tethered Balloon Flight

Tethered Balloon Flight means flights will be conducted in an open area of at least 200 feet by 200 feet and clear of any obstructions including utility lines, fences, trees, or any other obstructions. Permission to use property has been secured. The maximum above ground limit (height) is 70 feet. The flight must occur between sunrise and sunset.

Unit

Unit(s) means the entity that conducts Scouting for the Chartered Organization. A Unit may be a Pack, Troop, Team, crew, Ship, Explorer Post, Explorer Club or in-school and after-school Learning for Life programs of the Named Insured.

Volunteer

Volunteer(s) means an individual who donates services or time to support the program of the Boy Scouts of America, who is not a Registered Volunteer.


Page 11 of 12

CONDITIONS

Defense

The Company's right and duty to defend ends when the Company has exhausted the applicable limits of insurance in the payment of Damages under any Insuring Agreement. If the limits of insurance have been exhausted, the Named Insured shall assume control of the defense of any outstanding claims previously reported to the Company. The Company will help transfer the control of these claims to the Named Insured or the Named Insured's excess carrier. The Named Insured shall assume control of the defense of any outstanding claim previously reported to the Company whether or not the Named Insured is ordered by a court to do so.

Inspection and Audit

The Company shall be permitted to inspect the Named Insured's premises, operations and audit the books and records of the Named Insured at all reasonable times during the policy period and within three years after its termination insofar as they are related to this insurance, and the Named Insured shall render reasonable assistance and cooperation in furnishing the Company with such information as it may require.

Notice of Occurrence

When an Occurrence takes place, written notice shall be given by or on behalf of the insured to the Company or any of its authorized agents as soon as practicable. Such notice shall contain particulars sufficient to identify the Named Insured and also reasonably obtainable information respecting the time, place and circumstances of the Occurrence, the names and addresses of the injured and of any available witnesses.

Notice of Claim or Suit

Notice will be furnished to the Company as soon as practicable after knowledge of such Occurrence, claim or suit is received by Risk Management Team at the National Office, Boy Scouts of America, Irving, Texas.

Assistance and Cooperation of the Named Insured

The Named Insured shall cooperate with the Company and, upon the Named Insured and Company's request shall attend hearings and trials and shall assist in effecting settlements, securing and giving evidence, obtaining the attendance of witnesses and in the conduct of suits.

Action Against Company

No action shall lie against the Company unless, as a condition precedent thereto, the Named Insured shall have fully complied with all the terms of this policy, nor until the amount of the insureds obligation to pay shall have been finally determined either by a final judgment against the insured or by written agreement of the insured, the claimant and the Company.

Any person or organization of the legal representative thereof who has secured such judgment or written agreement shall thereafter be entitled to recover under this policy to the extent of the insurance afforded by this policy. Nothing contained in this policy shall give any person or organization any right to join the Company as a codefendant in any action against the insured to determine the insured's liability.

Bankruptcy or Insolvency of the Insured

Bankrupt or insolvency of the insured shall not relieve the Company of any of its obligations hereunder.


Page 12 of 12

Other Insurance

This policy shall be excess of and shall not contribute or prorate with any insurance, self-insurance plan, fund or scheme provided to the insureds as defined in PERSONS OR ENTITIES INSURED (b), (d), (e), (f) and (g) under any insurance policy, self-insurance plan, fund or scheme available to such Named Insured, including but not limited to Homeowners Insurance, Automobile Liability Insurance, General Liability Insurance, Watercraft Liability, Excess Liability and any other applicable insurance. In the absence of such other insurance, self-insurance, fund or scheme, this insurance shall apply as primary.

Subrogation

In the event of any payment under this policy, the Company shall be subrogated to all the insured's rights of recovery therefore against any person or organization and the insured shall execute and deliver instruments and papers and whatsoever else is necessary to secure such rights, but the Company shall have no right of subrogation against any Unit coming under the Named Insured's control or chartered by the Named Insured. The Named Insured shall do nothing after loss to prejudice such rights.

Assignment

Assignment of interest under this policy shall not bind the Company until its consent is endorsed hereon; if, however, the Named Insured shall be adjudged bankrupt or insolvent such insurance as is afforded this policy shall apply:

(1) to the Named Insured's legal representative, as the Named Insured, but only while acting within

the scope of his duties as such; and

(2) with respect to the property of the Named Insured, to the person having proper temporary custody thereof, as insured, but only the appointment and qualification of the legal representative.

Cancellation

This policy is non-cancellable and the premium is non-refundable.

Representation

By acceptance of this policy, the Named Insured agrees that the statements in the Declarations are his agreements and representations, that this policy is issued in reliance upon the truth of such representations and that this policy embodies all agreements existing between himself and the Company or any of its agents relating to this insurance.

CG 200 1 04 13 © Insurance Services Office, Inc., 2012 Page 1of 1

COMMERCIAL GENERAL LIABILITY CG 20 01 04 13


PRIMARY AND NONCONTRIBUTORY - OTHER INSURANCE CONDITION

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART

The following is added to the other Insurance Condition and supersedes any provision to the contrary:

Primary And Noncontributory Insurance This insurance is primary to and will not seek contribution from any other insurance available to an additional insured under your policy provided that: (1) The additional insured is a Named Insured

under such other insurance; and

(2) You have agreed in writing in a contract or agreement that this insurance would be primary and would not seek contribution from any other insurance available to the additional insured.

CG 201 1 04 13 © Insurance Services Office, Inc., 2012 Page 1of 1

POLICY NUMBER: MKLV4PBC001681 COMMERCIAL GENERAL LIABILITY CG 20 1104 13


ADDITIONAL INSURED -MANAGERS OR LESSORS OF PREMISES


COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE

Designation Of Premises (Part Leased To You): Blanket as required by written or oral contract.

Name Of Person(s) Or Organization(s) (Additional Insured): Blanket as required by written or oral contract.

Additional Premium: $ Included

Information required to complete this Schedule, if not shown above, will be shown in the Declarations.

A Section II - Who Is An Insured is amended to include as an additional insured the person(s) or organization(s) shown in the Schedule, but only with respect to liability arising out of the ownership, maintenance or use of that part of the premises leased to you and shown in the Schedule and subject to the following additional exclusions: This insurance does not apply to: 1. Any "occurrence" which takes place after you

cease to be a tenant in that premises. 2. Structural alterations, new construction or

demolition operations performed by or on behalf of the person(s) or organization(s) shown in the Schedule.

However: 1. The insurance afforded to such additional

insured only applies to the extent permitted by law; and

2. If coverage provided to the additional insured is required by a contract or agreement, the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured.

B. With respect to the insurance afforded to these additional insureds, the following is added to Section Ill- Limits Of Insurance: If coverage provided to the additional insured is required by a contract or agreement, the most we will pay on behalf of the additional insured is the amount of insurance: 1. Required by the contract or agreement; or 2. Available under the applicable Limits of

Insurance shown in the Declarations; whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations.

MKLV4PBC001681

03/01/2021

03/01/2022

MKLV4PBC001681 Boy Scouts Of America 03/01/2021-03/01/2022



DATE OF EXPOSURE FOR MOLESTATION CLAIMS



It is hereby agreed that any alleged sexual molestation occurrence(s) involving the same claimant, whether ongoing or not, will be treated as a single occurrence with the date of the first alleged act of molestation being designated the "date of loss" for all such alleged activity.

This insurance applies only if any actual or alleged sexual molestation first occurs on or after March 1, 2021 and before March 1, 2022.

This endorsement does not change any other provision of the policy.

1 MEIL 1201-DOEM 03 21 MKLV4PBC001681 Boy Scouts Of America

03/01/2021-03/01/2022



DESIGNATED ENTITY ·NOTICE OF CANCELLATION PROVIDED BY US

SCHEDULE

Number of Days Notice of Cancellation: 30

Person or Organization:

U.S. Department of Justice Office of the United States Trustee

Address:

844 King St., Sta. 2207 Wilmington, DE 19801 Attn: David Buchbinder and Hannah McCollumb

Provisions

If we cancel or non-renew this policy for any statutorily permitted reason other than nonpayment of premium, and a number of days is shown for cancellation in the schedule above, we will mail notice of cancellation to the person or organization shown in the schedule above. We will mail such notice to the address shown in the schedule above at least the number of days shown for cancellation in the schedule above before the effective date of cancellation.

MEIL 1201-DENOC 03 19 MKLV4PBC001681 Boy Scouts Of America

03/01/2021-03/01/2022

Page 1 of 1


Page 1 of 1 MEIL 1201-DENOC 03 19 MKLV4PBC001681 Boy Scouts Of America 03/01/2021-03/01/2022


DESIGNATED ENTITY - NOTICE OF CANCELLATION PROVIDED BY US

SCHEDULE



San Francisco Unified School District

Address:

135 Van Ness Ave,Rm 116,San Francisco,CA 94102

Provisions

If we cancel this policy for any statutorily permitted reason other than nonpayment of premium, and a number of days is shown for cancellation in the schedule above, we will mail notice of cancellation to the person or organization shown in the schedule above. We will mail such notice to the address shown in the schedule above at least the number of days shown for cancellation in the schedule above before the effective date of cancellation.


Page 1 of 1 MEIL 1201-DENOC 03 19 MKLV4PBC001681 Boy Scouts Of America 03/01/2021-03/01/2022


DESIGNATED ENTITY - NOTICE OF CANCELLATION PROVIDED BY US

SCHEDULE



San Leandro Unified School District, Community Services

Address:

835 East 14th Street Suite 200 San Leandro,c.alifornia 94577

Provisions

If we cancel this policy for any statutorily permitted reason other than nonpayment of premium, and a number of days is shown for cancellation in the schedule above, we will mail notice of cancellation to the person or organization shown in the schedule above. We will mail such notice to the address shown in the schedule above at least the number of days shown for cancellation in the schedule above before the effective date of cancellation.

MEIL 1201-EBL 03 19 MKLV4PBC001681 Boy Scouts Of America 03/01/2021-03/01/2022

Page 1 of 3



EMPLOYEE BENEFITS LIABILITY



In consideration of the premium and in reliance upon the Statements in the Application and subject to the terms of this endorsement and of the Policy to which this endorsement is attached, the Company agrees with the Named Insured in the Declarations of the Policy.

INSURING AGREEMENTS

I. ADDITIONAL COVERAGE - EMPLOYEE BENEFITS LIABILITY. To pay on behalf of the insured all sums which the insured shall become legally obligated to pay as damages on account of any claim made against the insured by any employee, former employee or the beneficiaries or legal representatives thereof and caused by any negligent act, error or omission of the insured, or any other person for whose acts the insured is legally liable, in the administration of the insured's Employee Benefit Programs as defined herein.

2. It is further understood and agreed that in event of any claim, irrespective of the amount, notice

thereof shall be given to the Company, or any of its authorized agents, by or on behalf of the insured, in accordance with the terms of the Policy and the Company may at its option, investigate such claim or negotiate or settle any claim, and the insured agrees, if the Company undertakes to negotiate or settle any such claim, to join the Company in such negotiation or settlement to the extent of the amount to be deducted herein provided.

3. Subject to paragraphs 1. and 2. above, all claims for damages made by an employee, or former

employee, because of any act, error or omission, or a series of related acts, errors or omissions, including damages claimed by such employee's or former employee's dependents and beneficiaries, will be deemed to have been made at the time the first of those claims is made against any insured.

4. As respects the insurance afforded by this endorsement, with respect to (1) any claim the Company

investigates or settles, (2) or any suit against an insured the Company settles, the Company shall pay Allocated Loss Adjustment Expense as defined in DEFINITIONS of the COMMERCIAL GENERAL LIABILITY POLICY. As used in this endorsement, damages shall include Allocated Loss Adjustment Expense. All damage payments shall erode the “each claim” and General Aggregate limits.

5. POLICY PERIOD & TERRITORY. The insurance hereby afforded by this endorsement applies to

claims arising resulting from negligent acts, errors or omissions of the insured, or any person acting on behalf of the insured in the administration of Employee Benefit Programs anywhere in the world, provided such claim is brought against the Named Insured during the policy period and the Named Insured at the effective date of this policy, had no knowledge of or could not have reasonably foreseen any circumstances which might result in a claim or suit.


Page 2 of 3

LIMITS OF LIABILITY The Limit of Liability stated in the Schedule as applicable to "each claim" is the limit of the Company's liability for all damages incurred on account of any claim covered hereunder. The inclusion herein of more than one insured shall not operate to increase the limits of the Company's liability.

The Limit of Liability of this endorsement is part of, not in addition to, the General Aggregate Limit shown in the Declarations. The General Aggregate Limit of the policy is most we will pay under all Insuring Agreements, including the Insuring Agreement in this endorsement, for the sum of all damages.

DEFINITIONS

1. INSURED. The unqualified word "insured" wherever used in relation to the insurance afforded

hereby, includes not only the Named Insured, but also any partner, executive officer, director, stockholder or employee, provided such employee is authorized to act in the administration of the insured's Employee Benefit Programs.

2. EMPLOYEE BENEFITS. The term "Employee Benefits" shall mean group life insurance, group

health insurance, profit sharing plans, pension plans, employee stock subscription plans, employee travel, vacation or savings plans, workers' compensation, unemployment insurance, social security, vision insurance, dental insurance, disability benefits insurance or similar program created as a benefit to employees.

3. ADMINISTRATION. As respects the insurance afforded hereby, the unqualified word

"Administration", wherever used shall mean:

(a) Giving counsel to employees with respect to the Employee Benefit Programs;

(b) Interpreting the Employee Benefit Programs;

(c) Handling of records in connection with the Employee Benefit Programs;

(d) Effecting enrollment, termination or cancellation of employees under the Employee Benefit Programs;

provided all such acts are authorized by the Named Insured.

EXCLUSIONS

The insurance afforded by this endorsement does not apply:

(a) To any dishonest, fraudulent, criminal or malicious act, libel, slander, discrimination, or

humiliation;

(b) To bodily injury to, or sickness, disease, or death, of any person, or to injury to or destruction of any tangible property, including the loss of use thereof;

(c) To any claim for failure of performance of contract by any insurer;

(d) To any claim based upon the insured's failure to comply with any law concerning Workers

Compensation, Unemployment Insurance, Social Security or Disability Benefits;

(e) To any claim based upon failure of stock to perform as represented by an insured;

(f) To any claim based upon advice given by an insured to an employee of the Named Insured to participate or not to participate in stock subscription plans;


Page 3 of 3

(g) To any claim based upon any actual or alleged error or omission or breach of duty, committed or alleged to have been committed by a trustee, in the discharge of fiduciary duties, obligations or responsibilities imposed by the Federal Employee Retirement Income Security Act of 1974;

(h) To damages arising out of wrongful termination of employment, discrimination, or other

employment-related practices.

CONDITIONS

The conditions of the policy entitled "Notice of Occurrence", "Notice of Claim or Suit", "Action Against Company", "Other Insurance", "Subrogation", " Bankruptcy or Insolvency of the Insured ", "Assignment", and "Cancellation", apply to the insurance afforded hereby and the following Additional Condition applies:

Terms of Endorsement Conformed to Statute

Terms of this endorsement which are in conflict with the statutes of the State wherein this policy is issued are hereby amended to conform to such statutes.

SCHEDULE

The insurance afforded is only with respect to such of the following Parts and Coverage's therein as are indicated. The limit of the Company's liability against each such Coverage shall be stated herein, subject to all of the terms of the policy having reference thereto.

COVERAGE PARTS LIMITS OF LIABILITY

Employee Benefits Liability: $1,000,000 Each Claim

of 3 MEIL 1201-EL 03 19 MKLV4PBC001681 Boy Scouts Of America 03/01/2021-03/01 /2022



EMPLOYER'S LIABILITY ENDORSEMENT



As respects to the State(s) of North Dakota, Ohio, Washington, and Wyoming, it is agreed that this policy is amended by adding thereto an additional coverage, subject to the following :

INSURINGAGREEMENTS

1. ADDITIONAL COVERAGE - Employers' Llablllty. To pay on behalf of the insured all sums

which the insured shall become legally obligated to pay as damages because of bodily injury by accident or disease, including death at any time resulting therefrom, sustained in the policy territory by any employee of the insured arising out of or in the course of employment by the insured either in a State named in this endorsement or in operations necessary or incidental thereto.

The words "damages because of bodily injury by accident or disease, including death at any time resulting therefrom", in the Employer's Liability Coverage include damages for care and loss of services and damages for which the insured is liable by reason of suits or claims brought against the insured by others to recover the damages obtained from such others because of such bodily injury sustained by employees of the insured arising out of and in the course of their employment.

2. LIMITS OF LIABILITY - Employer's Liability Coverage. The limit of the Company's liability

under Employer's Liability Coverage is $1,000,000 for all damages because of bodily injury by accident, including death at any time resulting therefrom, sustained by one employee in any one accident; and, subject to the foregoing provision respecting each employee, the total limit of the Company's liability is $1,000,000 for all damages because of bodily injury by accident, including death at any time resulting therefrom, sustained by two or more employees in anyone accident.

The limit of the Company's liability under Employers' Liability Coverage is $1,000,000 for all damages because of bodily injury by disease, including death at any time resulting therefrom sustained by one employee; and, subject to the foregoing provision respecting each employee, the total limit of the Company's liability for all damages because of bodily injury by disease, including death at any time resulting therefrom sustained by employees in a State named in this endorsement or in operations necessary or incidental thereto, is $1,000,000.

The limits of liability herein stated shall not be cumulative with any limit of liability stated elsewhere in this policy.

The limit of liability of this endorsement is part of, not in addition to, the General Aggregate Limit shown in the Declarations. The General Aggregate Limit of the policy is most we will pay under all Insuring Agreements, including the Insuring Agreement in this endorsement, for the sum of all damages.


3. The insurance afforded by this endorsement shall not apply to the insured's operations in any State named in this endorsement or any operations necessary or incidental thereto during any period in which the insured is subject to the workers' compensation or occupational disease law of any such State and is neither a legally qualified self-insurer nor a member or subscriber in good standing in the State Fund in any such State.

4. As used in this endorsement, damages shall include Allocated Loss Adjustment Expense, as

defined in DEFINITIONS of the COMMERCIAL GENERAL LIABILITY POLICY. All damage payments shall erode the "each claim" and General Aggregate limits.

5. Definitions:

(a) Workers' Compensation Law. The unqualified term "workers' compensation law'' and

any occupational disease law of a State designated above, but does not include those provisions of any such law which provide non-occupational disability benefits.

(b) State. The word "state" means any State or Territory of the United States of America and

the District of Columbia.

(c) Bodily Injury by Accident; Bodily Injury by Disease. The contraction of disease is not an accident within the meaning of the word "accident" in the term "bodily injury by accident" and only such disease as results directly from a bodily injury by accident is included within the term "bodily injury by accident". The term "bodily injury by disease" includes only such disease as is not included within the term "bodily injury by accident".

(d) Assault and Battery. Under the Employer's Liability Coverage, assault and battery shall

be deemed an accident unless committed by or at the direction of the insured.

6. Application: This endorsement applies only to injury (1) by accident occurring during the policy period, or (2) by disease caused or aggravated by exposure of which the last day of the last exposure, in the employment of the insured, to conditions causing the disease occurs during the policy period.

EXCLUSIONS

The insurance afforded by this endorsement does not apply:

(a) to liability assumed by the insured under any contract or agreement,

(b) to punitive or exemplary damages on account of bodily injury to or death of any employee

employed in violation of law,

(c) with respect to any employee employed in violation of law with the knowledge or acquiescence of the insured or any executive officer thereof,

(d) to bodily injury by disease unless prior to thirty-six months after the end of the policy

period written claim is made or suit is brought against the insured for damages because of such injury or death resulting therefrom,

(e) to any obligations for which the insured or any carrier as his insurer may be held liable

under the workers' compensation or occupational disease law, any unemployment compensation or disability benefits law or under any similar law,

(f) to any claim with respect to which the insured is deprived of any defense or defenses or

is otherwise subject to penalty because of default in premium payment or any other failure to comply with the provisions of the workers' compensation laws of the States indicated above.


CONDITIONS

1. None of the Conditions of the policy shall apply to the insurance under this endorsement except those respecting Rlnspection and AuditR, "Notice of Occurrence ", "Notice of Claim or SuitR, "Assistance and Cooperation of the lnsuredR, "Action Against Company'', Rother lnsuranceR, "Subrogation","Bankruptcy or Insolvency of the lnsuredR, "AssignmentR and "CancellationR.

2. Long Term Policy: If this policy is written for a period longer than one year, all of the provisions of

this endorsement shall apply separately to each consecutive twelve months' period or, if the first or last consecutive period is less than twelve months, to such period of less than twelve months, inthe same manner as if a separate policy had been written for each consecutive period.

3. Partnership or Joint Venture as insured: If the insured is a partnership or joint venture, such

insurance as is afforded by this endorsement applies to each partner or member thereof as an insured only where he is acting within the scope of his duties as such partner or member.



LEAD EXCLUSION ENDORSEMENT



The following exclusion is added to EXCLUSIONS:

(j) to Lead:

(1) this insurance does not apply to Personal Injury, Property Damage or Malpractice

arising out of:

(a) inhaling, ingesting or prolonged physical exposure to lead in all forms, including but not limited to solid, liquid vapor or fumes or goods or products containing lead;

(b) the use of lead in the manufacturing any goods or products;

(c) the removal of lead from any goods or products;

(d) the manufacture, transportation, storage or disposal of lead or goods or products

containing lead.

(2) this insurance does not apply to any:

(a) request, demand, order or statutory or regulatory requirement that any insured or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, remediate, or in any way respond to, or assess the extent or the effects of lead; or

(b) payment for the investigation or defense of any loss, injury or damage or any

cost, fine or penalty or for any expense, claim or suit related to any of the above.

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NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT

(Broad Form)

1. The insurance does not apply:

A. Under any Liability Coverage (INSURING AGREEMENT, insurance, policy), to bodily injury or property damage:

(1) With respect to which an Insured under

the policy is also an Insured under a nuclear energy liability policy issued by Nuclear Energy Liability Insurance Association, Mutual Atomic Energy Liability Underwriters, Nuclear Insurance Association of Canada or any of their successors, or would be an insured under any such policy but for its termination upon exhaustion of its limit of liability; or

(2) Resulting from the hazardous

properties of nuclear material and with respect to which (a) any person or organization is required to maintain financial protection pursuant to the Atomic Energy Act of 1954, or any law amendatory thereof, or (b) the Insured is, or had this policy not been issued would be, entitled to indemnity from the United States of America, or any agency thereof, under any agreement entered into by the United States of America, or any agency thereof, with any person or organization.

B. Under any Medical Payments coverage, to

expenses incurred with respect to bodily injury resulting from the hazardous properties of nuclear material and arising out of the operation of a nuclear facility by any person or organization.

C. Under any Liability Coverage, to bodily

injury or property damage resulting from hazardous properties of nuclear material, if:

(1) The nuclear material (a) is at any

nuclear facility owned by, or operated by or on behalf of, an Insured or (b) has been discharged or dispersed therefrom;

(2) The nuclear material is contained in

spent fuel or waste at any time possessed, handled, used, processed, stored, transported or disposed of, by or on behalf of an Insured; or

(3) The bodily injury or property damage

arises out of the furnishing by an Insured of services, materials, parts or equipment in connection with the planning, construction, maintenance, operation or use of any nuclear facility, but if such facility is located within the United States of America, its territories or possessions or Canada, this exclusion (3) applies only to property damage to such nuclear facility and any property thereat.

2. Is used in this endorsement:

Hazardous properties includes radioactive, toxic or explosive properties;

Nuclear material means source material, Special nuclear material or by-product material;

Source material, special nuclear material, and by-product material have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof;

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Spent fuel means any fuel element or fuel component, solid or liquid, which has been used or exposed to radiation in a nuclear reactor;

Waste means any waste material (a) containing by-product material other than the tailings or wastes produced by the extraction or concentration of uranium or thorium from any ore processed primarily for its source material content, and (b) resulting from the operation by any person or organization of any nuclear facility included under the first two paragraphs of the definition of nuclear facility.

Nuclear facility means:

(a) Any nuclear reactor;

(b) Any equipment or device designed or

used for (1) separating the isotopes of uranium or plutonium, (2) processing or utilizing spent fuel, or (3) handling, processing or packaging waste;

(c) Any equipment or device used for the processing, fabricating or alloying of special nuclear material if at any time the total amount of such material in the custody of the Insured at the premises where such equipment or device is located consists of or contains more than 25 grams of plutonium or uranium 233 or any combination thereof, or more than 250 grams of uranium 235;

(d) Any structure, basin, excavation,

premises or place prepared or used for the storage or disposal of waste;

and includes the site on which any of the foregoing is located, all operations conducted on such site and all premises used for such operations;

Nuclear reactor means any apparatus designed or used to sustain nuclear fission in a self-supporting chain reaction or to contain a critical mass of fissionable material;

Property damage includes all forms of radioactive contamination of property.

Bodily injury means bodily injury, sickness or disease sustained by a person, including death resulting from any of these at any time.

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PUNITIVE OR EXEMPLARY DAMAGES



The following amends form GL 409 001:

1. The following is added to the INSURING AGREEMENT:

Subject to the applicable Limit(s) of Liability, the Company will pay on behalf of the insured punitive or exemplary damages awarded in connection with Personal Injury, Property Damage or Malpractice to which this insurance applies, provided payment of such punitive or exemplary damages is not contrary to the laws or public policy in the jurisdiction of the claim or suit.

2. For the purpose of this endorsement the definition of Allocated Loss Adjustment Expense is

amended to include punitive or exemplary damages. Punitive or exemplary damages do not include any fines, penalties or other non-compensatory damages imposed upon any insured.

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PROTECTION AND INDEMNITY COVERAGE



Amount Insured: $1,000,000 each occurrence

Evanston Insurance Company, hereinafter called "the Company", hereby undertakes to pay on behalf of the insured all loss and/or damage and/or expense, including Allocated Loss Adjustment Expense, where the insured, as owners of the vessels insured herein, or where in control of a non-owned vessel have become liable to pay and shall pay on account of the liabilities, risks, events and/or happenings herein set forth:

Loss of Life, Injury and Illness

(1) Liability for loss of life or, or Personal Injury to, or illness of, any person, excluding, however, unless

otherwise agreed by endorsement hereon, liability under any Compensation Act to any Employee of the insured, (other than a seaman) or in case of death to his beneficiaries or others.

Protection hereunder for loss of life or Personal Injury arising in connection with the handling of cargo of the vessel insured herein shall commence from the time of receipt by the insured of the cargo on dock or wharf or on craft alongside the said vessel for loading thereon and shall continue until delivery thereof from dock or wharf of discharge or until discharge from the said vessel on to another vessel or craft.

Hospital, Medical, or Other Expenses

(2) Liability for hospital, medical, or other expenses necessarily and reasonably incurred in respect of

loss of life or, Personal Injury to, or illness of any member of the crew of the vessel insured herein or any other person. Liability hereunder shall also include burial expenses not exceeding Two Hundred ($200) Dollars, when necessarily and reasonably incurred by the insured for the burial of any seaman of said insured vessel.

Repatriation Expenses

(3) Liability for repatriation expenses of any member of the crew of the insured vessel, necessarily and

reasonably incurred, under statutory obligation, excepting such expenses as arise out of or ensue from the termination of any agreement in accordance with the terms thereof, or by mutual consent, or by sale of the insured vessel, or by other act of the insured.

Wages shall be included in such expenses when payable under statutory obligation, during unemployment due to the wreck or loss of the insured vessel.

Damage to Other Vessel or Property on Board Caused by Collision

(4) Liability for loss of, or damage to, any other vessel or craft, or to the freight thereof, or property on

such other vessel or craft, caused by collision with the insured vessel, insofar as such liability would not be covered by full insurance under the American Institute Hull Clauses (including the four-fourths running-down clause).


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Principle of Cross-liabilities to Prevail

(a) Claims under this clause shall be settled on the principle of cross-liabilities to the same extent only as provided in the running-down clause above mentioned.

(b) Claims under this clause shall be divided among the several classes of claims enumerated in

this policy and each class shall be subject to the deduction and special conditions applicable in respect of such class.

(c) Notwithstanding the foregoing, if anyone or more of the various liabilities arising from such

collision has been compromised, settled or adjusted without the written consent of the Company, the Company shall be relieved of liability for any and all claims under this clause.

Damage to Other Vessel or Property on Board Not Caused by Collision

(5) Liability for loss of or damage to any other vessel or craft, or to property on such other vessel or craft,

not caused by collision, provided such liability does not arise by reason of a contract made by the insured.

Where there would be a valid claim hereunder but the fact that the damaged property belongs to the insured, the Company shall be liable as if such damaged property belonged to another, but only for the excess over any amount recoverable under any other insurance applicable on the property.

Damage to Docks, Piers, Etc.

(6) Liability for damage to any dock, pier, harbor, bridge, jetty buoy, lighthouse, breakwater, structure,

beacon, cable, or to any fixed or movable object or property whatsoever, except another vessel or craft, or property on another vessel or craft.

Where there would be a valid claim hereunder but for the fact that the damaged property belongs to the insured, the Company shall be liable as if such damaged property belonged to another, but only for the excess over any amount recoverable under any other insurance applicable on the property.

Removal or Wreck

(7) Liability for cost or expenses of, or incidental to, the removal of the wreck of the vessel insured herein

when such removal is compulsory by law, provided, however, that:

(a) There shall be deducted from such claim for cost or expenses, the value of any salvage from or which might have been recovered from the wreck, inuring or which might have inured, to the benefit of the insured.

(b) The Company shall not be liable for such costs or expense which would be covered by full

insurance under the companion hull policy or claims arising out of hostilities or war- like operations, whether before or after declaration of war.

Cargo

(8) Liability for loss of, or damage to, or in connection with cargo or other property, excluding mail and

parcel post, including baggage and personal effects of passengers, to be carried, carried, or which has been carried on board the vessel insured herein. Provided, however, that no liability shall exist under this provision for:

Specie, Bullion, Precious Stones, Etc.

(a) Loss, damage or expense arising out of or in connection with the custody, care, carriage or

delivery of specie, bullion, precious stones, precious metal, jewelry, silks, furs, bank notes, or other negotiable documents or similar valuable property, unless specially agreed to and accepted for transportation under a form of contract approved, in writing, by the Company.


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Refrigeration

(b) Loss of, or damage to, or in connection with cargo requiring refrigeration unless the space, apparatus and means used for the care, custody, and carriage thereof have been surveyed by a classification surveyor or other competent disinterested surveyor under working conditions before the commencement of each voyage and found in all respects fit, and unless accepted for transportation under a form of contract approved, in writing, by the Company.

Passengers' Effects

(c) Loss, damage, or expense in connection with any passenger's baggage or personal effects,

unless the form of ticket issued to the passenger shall have been approved, in writing, by the Company.

Stowage in Improper Places

(d) Loss, damage, or expense arising from stowage of underdeck cargo on deck or stowage of

cargo in spaces not suitable for its carriage, unless the insured shall show that every reasonable precaution has been taken by him to prevent such improper stowage.

Deviation

(e) Loss, damage, or expense arising from any deviation, or proposed deviation, not authorized

by the contract of affreightment, known to the insured in time to insure specifically the liability therefore, unless notice thereof is given to the Company and the Company agrees, in writing, that such insurance is unnecessary.

Freight on Cargo Short Delivered

(f) Freight on cargo short delivered, whether or not prepaid or whether or not included in the

claim and paid by the insured.

Misdescription of Goods

(g) Loss, damage, or expense arising out of or as a result of the issuance of Bills of Lading which, to the knowledge of the insured, improperly describe the goods or their containers as to condition or quantity.

Failure to Surrender Bill of Lading

(h) Loss, damage, or expense arising out of delivery of cargo without surrender of Bill of Lading.

And, provided further that:

(aa) Liability hereunder shall in no event exceed that which would be imposed by law in the absence of contract.

Protective Clauses Required in Contract of Affreightment

(bb) Liability hereunder shall be limited to such as would exist if the Charter Party, Bill of

Lading or Contract of Affreightment contained the following clause (in substitution for the clause commonly known as the Jason Clause):

"In the event of accident, danger, damage or disaster before or after commencement of the voyage, resulting from any cause whatsoever, whether due to negligence or not, for which, or for the consequences of which, the ship owner is not responsible, by statute or contract or otherwise, the shippers, consignees or owners of the cargo shall contribute with the ship owner in general average to the payment of any sacrifices, losses or expenses of a general average nature that may be made or incurred, and shall pay salvage and special charges incurred in respect of the cargo".


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When cargo is carried by the vessel insured herein under a bill of lading or similar document of title subject or made subject to the Carriage of Goods by Sea Act, April 16, 1936, liability hereunder shall be limited to such as is imposed by said Act, and if the insured or the vessel insured herein assumes any greater liability of obligation than the minimum liabilities and obligations imposed by said Act, such greater liability or obligation shall not be covered hereunder.

When cargo is carried by the vessel insured herein under a charter party, bill of lading or contract of affreightment not subject to the Carriage of Goods by Sea Act, April 16, 1936, liability hereunder shall be limited to such as would exist if said charter party, bill of lading, or contract of affreightment contained the following clauses:

Limit Per Package

A clause limiting the insured's liability for total loss or damage to goods shipped to Two Hundred and Fifty ($250) Dollars per package, or in case of goods not shipped in packages, per customary freights unit, and providing for pro rata adjustment on such basis for partial loss or damage; worthiness, even though existing at the beginning of the voyage, provided that due diligence shall have been exercised to make the vessel seaworthy and property manned, equipped, and supplied; a clause providing that the carrier shall not be liable for claims in respect of cargo unless notice of claim is given within the time limited in such Bill of Lading and suit is brought thereon within the limited time prescribed therein; and such other protective clauses as are commonly in use in the particular trade;

provided the incorporation of such clauses is not contrary to law.

The foregoing provisions as to the contents of the Bill of Lading and the limitation of the Company's liability may, however, be waived or altered by the Company's on terms agreed, in writing.

Insured's Own Cargo

(cc) Where cargo on board the vessel insured herein is the property of the insured, such

cargo shall be deemed to be carried under a contract containing the protective clauses described in the preceding paragraph, and such cargo shall be deemed to be fully insured under the usual form of cargo policy, and in case of loss thereof or damage thereto the insured shall be insured hereunder in respect of such loss or damage only to the extent that they would have been covered if said cargo had belonged to another, but only in the event and to the extent that the loss or damage would not be recoverable under a cargo policy is herein before specified.

Cotton Bills of Lading

(dd) The insured's liability for claims under Custody Cotton Bills of Lading issued under

the conditions laid down by the Liverpool Bill of Lading Conference Committee, is covered subject to previous notice of contract and payment of an extra premium of two ($.02) cents per ton gross register per voyage, but such additional premium shall be waived provided every bale is re-marked at port of shipment on another portion of the bale.

Land Transportation Not Included

(ee) No liability shall exist hereunder for any loss, damage or expense in respect of cargo

or other property being transported on land or on another vessel.

No liability shall exist hereunder for any loss, damage or expense in respect of cargo before loading on or after discharge from the vessel insured herein caused by flood,


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tide, windstorm, earthquake, fire, explosion, heat, cold, deterioration, collapsed of wharf, leaky shed, theft or pilferage unless such loss, damage or expense is caused directly by the vessel insured herein, her master, officers or crew.

Customs, Immigration of Other Fines or Penalties

(9) Liability for fines and penalties, including expenses necessarily and reasonably incurred in avoiding

or mitigating same, for the violation of any of the laws of the United States, or of any State thereof, or of any foreign country; provided, however, that the Company shall not be liable to indemnify the insured against any such fines or penalties resulting directly or indirectly from the failure, neglect, or default of the insured or his managing officers or managing agents to exercise the highest degree of diligence to prevent a violation of any such laws.

Mutiny or Other Misconduct

(10) Expenses incurred in resisting any unfounded claim by the master or crew or other persons employed

on the vessel insured herein, or in prosecuting such persons in case of mutiny or other misconduct. Extraordinary Expenses in Case of Quarantine, Etc.

(11) Liability for extraordinary expenses resulting from outbreak of plague or other contagious disease,

including such expenses incurred for disinfection of the vessel insured herein or persons on board, or for quarantine, but excluding the ordinary expenses of loading and/or discharging, and the wages and provisions is subject to a deduction of Two Hundred ($200) Dollars. It is provided further, however, that if the vessel insured herein be ordered to proceed to a port when it is or should be known that calling there will subject the vessel to the extraordinary expenses above mentioned, or to quarantine or disinfection there or elsewhere, the Company shall be under no obligation to indemnify the insured for any such expenses.

Deviation for Purpose of Landing Injured or Ill

(12) Net loss due to deviation incurred solely for the purpose of landing an injured or sick seaman in respect

of port charges incurred, insurance, bunkers, stores, and provisions consumed as a result of the deviation.

Cargo's Proportion of General Average

(13) Liability for, or loss of, cargo's proportion of general average, including special changes, in so far as

the insured cannot recover same from any other source; subject however, to the exclusions of Section (8) and provided, that if the Charter Party, Bill of Lading, or Contract of Affreightment does not contain the quoted clause under Section 8 (bb) the Company's liability hereunder shall be limited to such as would exist if such clause were contained therein.

Costs and Charges

(14) Costs, charges, and expenses, reasonably incurred and paid by the insured in defense against any

liabilities insured against hereunder in respect of the vessel insured herein, subject to the agreed deductibles applicable, and subject further to the conditions and limitations hereinafter provided.

Except as noted below, all defined terms used in this endorsement are defined in the DEFINITIONS of the COMMERCIAL GENERAL LIABILITY POLICY.

Personal injury mean bodily injury, sickness or disease sustained by a person, include death resulting from any of these at any time.


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LIMIT OF LIABILITY Liability hereunder in respect to any one accident or occurrence is limited to the amount hereby insured.

The limit of liability, stated as the Amount Insured, of this endorsement is part of, not in addition to, the General Aggregate Limit shown in the Declarations. The General Aggregate Limit of the policy is most the Company will pay under all Insuring Agreements, including this endorsement, for the sum of all Damages and Allocated Loss Adjustment Expense. All damage payments shall erode the “each claim” and General Aggregate limits.

GENERAL CONDITIONS AND/OR LIMITATIONS

The conditions of the policy's insuring agreement and Condition section will apply to the coverage provided by this endorsement, with the following additions:

The insured shall not make any admission of liability, either before or after any occurrence which may result in a claim for which the Company may be liable. The insured shall not interfere in any negotiations of this Company, for settlement of any legal proceedings in respect of any occurrence for which this Company may be liable under this policy; provided, however, that in respect of any occurrence likely to give rise to a claim under this policy, the insured is obligated to and shall take such steps to protect his and/or the Company's interests as would reasonably be taken in the absence of this or similar insurance.

Time Limitation

The Company shall not be liable for any claim not presented to the Company with property proofs of loss within six (6) months after payment thereof by the insured.

Notwithstanding anything to the contrary contained in this policy, no liability attached to the Company:

For any loss, damage, or expense which would be payable under the terms of the American Hull Clauses form of policy on hull and machinery, etc., if the vessel were fully covered by such insurance sufficient in amount to pay such loss, damage, or expense.

For any loss, damage or expense sustained by reason of capture, seizure, arrest, restraint or detainment, or the consequence thereof or of any attempt thereat; or sustained in consequence of military, naval or air action by force of arms, including mines and torpedoes or other missiles or engines of war, whether of enemy or friendly origin; or sustained in consequence of placing the vessel in jeopardy as an act or measure of war taken in the actual process of a military engagement, including embarking or disembarking troops or material of war in the immediate zone of such engagement; and any such loss, damage and expense shall be excluded from this policy without regard to whether the insured's liability therefore is based on negligence or otherwise, and whether before or after a declaration of war.

For any loss, damage, or expense arising from the cancellation or breach of any charter, bad debts, fraud of agents, insolvency, loss of freight hire or demurrage, or as a result of the breach of any undertaking to load any cargo, or in respect of the vessel insured herein engaging in any unlawful trade or performing any unlawful act, with the knowledge of the insured.

For any loss, damage expense or claim arising out of or having relation to the towage of any other vessel or craft, whether under agreement or not, unless such towage was to assist such other vessel or craft in distress to a port or place of safety, provided, however, that this clause shall not apply to claims under this policy for loss of life or personal injury to passenger and/or members of the crew of the vessel insured herein arising as a result of towing.

For any claim for loss of life of personal injury in relation to the handling of cargo where such claim arises under a contract of indemnity between the insured and his sub-contractor.


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It is expressly understood and agreed if and when the insured under his policy has any interest other than as a ship owner in the vessel or vessels insured herein, in no event shall the Company be liable hereunder to any greater extent that if such insured were the owner and were entitled to all the rights of limitation to which a ship owner is entitled.

Unless otherwise agreed by endorsement to this policy, liability hereunder shall in no event exceed that which would be imposed on the insured by law in the absence of contract.

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REGISTERED VOLU NTEER EXCESS INSU RANCE EN DORSEM ENT



Anything in the policy to the contrary notwithstanding it is hereby understood and agreed that, as respects liability arising out of participation in an Offlclal Scouting Activity and Offlclal Scouting Activity for Learning For Life, this policy shall be excess over any insurance which may be available to the Registered Volunteer for loss arising from the ownership, maintenance or use of a motor vehicle or watercraft. However, no insurance is provided to any Registered Volunteer or on vehicles or watercraft owned or used by the Registered Volunteer unless the vehicle or watercraft is in the actual use of a Scouting Unit and being used only for a Scouting purpose and not for a business, governmental or any other purpose of the Registered Volunteer at the time of the incident.

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CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM

A. If aggregate insured losses attributable to terrorist acts certified under the federal Terrorism Risk Insurance Act exceed $100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act, we shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion, and in such case insured losses up to that amount are subject to pro rata allocation in accordance with procedures established by the Secretary of the Treasury.

"Certified act of terrorism" means an act that is certified by the Secretary of the Treasury, in accordance with the provisions of the federal Terrorism Risk Insurance Act, to be an act of terrorism pursuant to such Act. The criteria contained in the Terrorism Risk Insurance Act for a "certified act of terrorism" include the following:

1. The act resulted in insured losses in excess of $5 million in the aggregate, attributable to

all types of insurance subject to the Terrorism Risk Insurance Act; and

2. The act is a violent act or an act that is dangerous to human life, property or infrastructure and is committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion.

B. Application Of Exclusions

The terms and limitations of any terrorism exclusion, or the inapplicability or omission of a terrorism exclusion, do not serve to create coverage for any injury, loss or damage that is otherwise excluded under this Indemnity, Insurance, Coverage, Coverage Part or Policy, such as injury, loss or damage excluded by the Nuclear Hazard Exclusion or the War And Military Action Exclusion.



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UNINTENTIONAL FAILURE TO DISCLOSE HAZARDS



The following is added to CONDITIONS:

Representations

Coverage will continue to apply if you:

a. Unintentionally fail to disclose all hazards existing at the inception date of this policy; or

b. Unintentionally make an error, omission, or improper description of premises, operations or other statement of information stated in this policy.

You must notify us as soon as possible after the discovery of any hazards or any other information which was not provided to us prior to the acceptance of this policy.



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WAIVER OF SUBROGATION CHANGES


COMMERCIAL GENERAL LIABILITY COVERAGE FORM

Schedule

Name of Person or Organization:

All persons or organizations as required by contract or agreement.

Under CONDITIONS, the following is added to Subrogation:

The Company shall have no right of subrogation against the person or organization shown in the Schedule above with respect to which the Named Insured has waived its right of recovery under a contract with that person or organization. This waiver applies only to the person or organization shown in the Schedule above.


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ADDITIONAL INSURED



It is agreed that the Persons or Entities insured provision is amended to include:

Certificate holder, except a Chartered Organization and/or Participating Organization, is named as an additional insured by virtue of a written or oral contract or by the issuance/existence of a permit or certificate of insurance but only with respect to operations by or on behalf of the insured, or to facilities of, or facilities used by the insured and then only for the limits of liability specified in such contract for the event specified in the permit or certificate of insurance.

Nothing herein shall operate to increase the insurers per occurrence liability limit of $1,000,000.

Policy Number: MKLV4PBC001681

Insured: Boy Scouts of America, National Council and all of its affiliates and subsidiaries and all Local Councils and all their affiliates and subsidiaries and Learning for Life

Effective Date: 03/01/2021

Expiration Date: 03/01/2022


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Boy Scouts of America GL Policy (2020-001)

Documents

Transcript of Boy Scouts of America GL Policy (2020-001)