Privacy Policy and Producer Compensation Practices Disclosures

Privacy Policy and Producer Compensation Practices Disclosures

Privacy Policy Disclosure

Collection of Information

We collect personal information so that we may offer quality products and services. This information may include, but is not limited to,name, address, Social Security number, and consumer reports from consumer reporting agencies in connection with your applicationfor insurance or any renewal of insurance. For example, we may access driving records, insurance scores or health information. Ourinformation sources will differ depending on your state and/or the product or service we are providing to you. This information may becollected directly from you and/or from affiliated companies, non-affiliated third parties, consumer reporting agencies, medical providersand third parties such as the Medical Information Bureau.

Disclosure of Information

We may disclose non-public, personal information you provide, as required to conduct our business and as permitted or required bylaw. We may share information with our insurance company affiliates or with third parties that assist us in processing and servicing youraccount. We also may share your information with regulatory or law enforcement agencies, reinsurers and others, as permitted orrequired by law.

Our insurance companies may share information with their affiliates, but will not share information with non-affiliated third parties whowould use the information to market products or services to you. We do not share the non-public personal information of customers ofour SEC regulated companies or customers who own products of ours which are SEC regulated with affiliated or non-affiliatedcompanies who would use that information to market products or services to you.

Our standards for disclosure apply to all of our current and former customers.

Safeguards to Protect Your Personal Information

We recognize the need to prevent unauthorized access to the information we collect, including that held in an electronic format on ourcomputer systems. We maintain physical, electronic and procedural safeguards intended to protect all non-public, personal information.

Internal Access to Information

Access to personal, nonpublic information is limited to those people who need the information to provide our customers with products orservices. These people are expected to protect this information from inappropriate access, disclosure and modification.

Consumer Reports

In some cases, we may obtain a consumer report in connection with an application for insurance. Depending on the type of policy, aconsumer report may include information about you or your business, such as:

• character, general reputation, personal characteristics, mode of living;• credit history, driving record (including records of any operators who will be insured under the policy); and/or• an appraisal of your dwelling or place of business that may include photos and comments on its general condition.

Access to Information

Upon written request, we will inform you if we have ordered an investigative consumer report. You have the right to make a writtenrequest within a reasonable period for information concerning the nature and scope of the report and to be interviewed as part of itspreparation. You may obtain a copy of the report from the reporting agency and, under certain circumstances; you may be entitled to acopy at no cost.

You also may review certain information we have about you or your business in our files. To review information we maintain in our filesabout you or your business, please write to us, providing your complete name, address and policy number(s), and indicating specificallywhat you would like to see. If you request actual copies of your file, there may be a nominal charge.

We will tell you to whom we have disclosed the information within the two years prior to your request. If there is not a record indicatingthat the information was provided to another party, we will tell you to whom such information is normally disclosed.

231-0862 (12/08) of 2

There is information that we cannot share with you. This may include information collected in order to evaluate a claim under aninsurance policy, when the possibility of a lawsuit exists. It may also include medical information that we would have to forward to alicensed medical doctor of your choosing so that it may be properly explained.

Correction of Information

If after reviewing your file you believe information is incorrect, please write to the consumer reporting agency or to us, whichever isapplicable, explaining your position. The information in question will be investigated. If appropriate, corrections will be made to your fileand the parties to whom the incorrect information was disclosed, if any, will be notified. However, if the investigation substantiates theinformation in the file, you will be notified of the reasons why the file will not be changed. If you are not satisfied with the evaluation, youhave the right to place a statement in the file explaining why you believe the information is incorrect. We also will send a copy of yourstatement to the parties, if any, to whom we previously disclosed the information and include it in any future disclosures.

Our Commitment to Privacy

In the insurance and financial services business, lasting relationships are built upon mutual respect and trust. With that in mind, we willperiodically review and revise our privacy policy and procedures to ensure that we remain compliant with all state and federalrequirements. If any provision of our privacy policy is found to be non-compliant, then that provision will be modified to reflect theappropriate state or federal requirement. If any modifications are made, all remaining provisions of this privacy policy will remain ineffect. For more detailed information about our privacy policy, visit our Web site, located at www.hanover.com.

Producer Compensation Disclosure

Our products are sold through independent agents and brokers, often referred to as "Producers." We may pay Producers a fixedcommission for placing and renewing business with our company. We may also pay additional commission and other forms ofcompensation and incentives to Producers who place and maintain their business with us. Details of our Producer compensationpractices may be found at www.hanover.com.

Further Information

If you have questions about our privacy policy, or if you would like to request information we have on file, please write to us at ourPrivacy Office, N435, The Hanover Insurance Group, Inc., 440 Lincoln Street, Worcester, MA 01653. Please provide your completename, address and policy number(s). A copy of our Producer Compensation Disclosure is also available upon written requestaddressed to the attention of the Corporate Secretary, N435, The Hanover Insurance Group, 440 Lincoln Street, Worcester, MA 01653.

This notice is being provided on behalf of the following Hanover Companies: The Hanover Insurance Group, Inc. - Allmerica Financial AllianceInsurance Company - Allmerica Financial Benefit Insurance Company - Allmerica Plus Insurance Agency, Inc. - Citizens Insurance Company ofAmerica - Citizens Insurance Company of Illinois - Citizens Insurance Company of the Midwest - Citizens Insurance Company of Ohio - CitizensManagement, Inc. - Coatings Industry Services, Inc. - The Hanover American Insurance Company The Hanover Insurance Company - The HanoverNew Jersey Insurance Company - The Hanover National Insurance Company - Hanover Lloyd's Insurance Company - Massachusetts Bay InsuranceCompany - Opus Investment Management, Inc. - Opus Investment Trust - Professionals Direct Insurance Company - Professionals Direct InsuranceServices, Inc. - Verlan Fire Insurance Company - Nova Casualty Company - AIX Specialty Insurance Company

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THIS ENDORSEMENT IS ATTACHED TO AND MADE PART OF YO UR POLICY INRESPONSE TO THE DISCLOSURE REQUIREMENTS OF THE TERRORISM RISKINSURANCE ACT, AS AMENDED. THIS ENDORSEMENT DOES NO T GRANT ANYCOVERAGE OR CHANGE THE TERMS AND CONDITIONS OF ANY COVERAGEUNDER THIS POLICY.

401-1127 (01/08)

Policy Number: RHC 9148246 03

NOTICE - OFFER OF TERRORISM COVERAGENOTICE - DISCLOSURE OF PREMIUM

ACCEPTANCE OF COVERAGE

Coverage for “acts of terrorism,” as defined in Section 102(1) of the Terrorism Risk Insurance Act (“Act”) isincluded in your policy. You are hereby notified that under the Act, as amended in 2007, the definition of actof terrorism has changed. The term “act of terrorism” means any act that is certified by the Secretary of theTreasury—in concurrence with the Secretary of State, and the Attorney General of the United States—to bean act of terrorism; to be a violent act or an act that is dangerous to human life, property, or infrastructure; tohave resulted in damage within the United States, or outside the United States in the case of certain aircarriers or vessels or the premises of a United States mission; and to have been committed by an individualor individuals as part of an effort to coerce the civilian population of the United States or to influence thepolicy or affect the conduct of the United States Government by coercion.

DISCLOSURE OF FEDERAL PARTICIPATION IN PAYMENT OF TERRORISM LOSSES

Under your coverage, any losses resulting from certified acts of terrorism may be partially reimbursed by theUnited States Government under a formula established by the Act, as amended. Your policy, however, maycontain other exclusions which might affect your coverage, such as an exclusion for nuclear events. Underthe formula, the United States Government generally reimburses 85% of covered terrorism losses exceedingthe statutorily established deductible paid by the insurance company providing the coverage.

DISCLOSURE OF $100 BILLION CAP

The Terrorism Risk Insurance Act, as amended, contains a $100 billion cap that limits U.S. Governmentreimbursement as well as insurers’ liability for losses resulting from certified acts of terrorism when theamount of such losses exceeds $100 billion in any one calendar year. If the aggregate insured losses for allinsurers exceed $100 billion, your coverage may be reduced.

Premium for terrorism, if any, is stated below:

DISCLOSURE OF PREMIUMTotal Terrorism Premium $ 0

Fire Following Premium $ NOT APPLICABLE Other than Fire Following Premium $ 0

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401-1135 01 08

NOTICE TO POLICYHOLDERS

TERRORISM COVERAGE ACCEPTANCE

The Terrorism Risk Insurance Act of 2002 established a program (Terrorism Risk InsuranceProgram) within the Department of the Treasury, under which the federal government shares,with the insurance industry, the risk of loss from future terrorist attacks. That Program wasextended by the federal government under the Terrorism Risk Insurance ProgramReauthorization Act of 2007 and will not expire until December 31, 2014. Your policy willbecome effective (or will be renewed) with the coverage provided under the new act and youhave elected to purchase terrorism coverage. This Notice is being provided to you for thepurpose of summarizing your coverage. The summary is a brief synopsis of significantexclusionary provisions and limitations.

This Notice does not form a part of your insurance contract. The Notice is designed to alert youto coverage restrictions and to other provisions in certain terrorism endorsement(s) in this policy.If there is any conflict between this Notice and the policy (including its endorsements), theprovisions of the policy (including its endorsements) apply.

Carefully read your policy, including the endorsements attached to your policy.

YOUR POLICY AT THE START OF YOUR NEW POLICY TERM:

CG 2170 – The coverage for certified acts of terrorism is subject to the statutory $100 billion capon liability for losses and subject to the nuclear hazard exclusion and all other underlying policyexclusions. Coverage for acts of terrorism that are not certified (for example, acts which do notexceed the dollar threshold for federal certification or acts which occur outside the jurisdictionalboundary of the federal program) is not subject to the statutory cap. The coverage for “certifiedacts of terrorism” is more fully defined in the endorsement. This coverage is subject to a limit onour liability pursuant to the federal Terrorism Risk Act Program Reauthorization Act of 2007.

With respect to “certified acts of terrorism” and acts of terrorism that are not certified the policyexclusions (for example, the nuclear hazard and war exclusions) and other policy provisionscontinue to apply.

CG 2176 - The endorsement excludes “punitive damages” either directly or indirectlyarising out of a certified act of terrorism and for which you are awarded damages. Neitherthe federal government nor insurance company is obligated to pay “punitive damages”.

See the definition of terrorism for purposes of the terrorism exclusion.

COMMERCIAL GENERAL LIABILITYCG 21 70 01 08

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ I T CAREFULLY.

CG 21 70 01 08 © ISO Properties, Inc., 2007 Page 1 of 1 ��

CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PARTLIQUOR LIABILITY COVERAGE PARTOWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PARTPOLLUTION LIABILITY COVERAGE PARTPRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PARTRAILROAD PROTECTIVE LIABILITY COVERAGE PARTUNDERGROUND STORAGE TANK POLICY

If aggregate insured losses attributable to terroristacts certified under the federal Terrorism RiskInsurance Act exceed $100 billion in a Program Year(January 1 through December 31) and we have metour insurer deductible under the Terrorism RiskInsurance Act, we shall not be liable for the paymentof any portion of the amount of such losses thatexceeds $100 billion, and in such case insured lossesup to that amount are subject to pro rata allocation inaccordance with procedures established by theSecretary of the Treasury.

"Certified act of terrorism" means an act that iscertified by the Secretary of the Treasury, inconcurrence with the Secretary of State and theAttorney General of the United States, to be an act ofterrorism pursuant to the federal Terrorism RiskInsurance Act. The criteria contained in the TerrorismRisk Insurance Act for a "certified act of terrorism"include the following:

1. The act resulted in insured losses in excess of $5million in the aggregate, attributable to all types ofinsurance subject to the Terrorism Risk InsuranceAct; and

2. The act is a violent act or an act that is dangerousto human life, property or infrastructure and iscommitted by an individual or individuals as part ofan effort to coerce the civilian population of theUnited States or to influence the policy or affectthe conduct of the United States Government bycoercion.




EXCLUSION OF PUNITIVE DAMAGESRELATED TO A CERTIFIED ACT OF TERRORISM


COMMERCIAL GENERAL LIABILITY COVERAGE PARTLIQUOR LIABILITY COVERAGE PARTOWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PARTPOLLUTION LIABILITY COVERAGE PARTPRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PARTRAILROAD PROTECTIVE LIABILITY COVERAGE PARTUNDERGROUND STORAGE TANK POLICY

A. The following exclusion is added:

This insurance does not apply to:

TERRORISM PUNITIVE DAMAGES

Damages arising, directly or indirectly, out of a"certified act of terrorism" that are awarded as pu-nitive damages.

B. The following definition is added:

"Certified act of terrorism" means an act that iscertified by the Secretary of the Treasury, in con-currence with the Secretary of State and the Attor-ney General of the United States, to be an act ofterrorism pursuant to the federal Terrorism RiskInsurance Act. The criteria contained in the Ter-rorism Risk Insurance Act for a "certified act of ter-rorism" include the following:

1. The act resulted in insured losses in excess of$5 million in the aggregate, attributable to alltypes of insurance subject to the TerrorismRisk Insurance Act; and

2. The act is a violent act or an act that is dan-gerous to human life, property or infrastructureand is committed by an individual or individualsas part of an effort to coerce the civilian popu-lation of the United States or to influence thepolicy or affect the conduct of the United StatesGovernment by coercion.

421-0183 (01/99) 1Includes copyrighted materials of Insurance Services Office, Inc.,1992, 1996 with its permission

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

HIRED AUTO AND NON-OWNED AUTO LIABILITY

This endorsement modifies insurance provided under the following:COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE

Insurance is provided with respect to those coverages for which a specific Limit of Insurance andPremium charge is shown:

Coverage Limit of Insurance Premium

Non-Ownership Liability $ 1,000,000 $ Hired Auto Liability $ 1,000,000 $

A. HIRED AUTO LIABILITY

The insurance provided under COVERAGE A -BODILY INURY AND PROPERY DAMAGELIABILITY (Section I – Coverages) applies to“bodily injury” or “property damage” arising outof the maintenance or use of a “hired auto” byyou or your “employees” in the course of yourbusiness.

B. NON-OWNED AUTO LIABILITY

The insurance provided under COVERAGE A –BODILY INJURY AND PROPERTY DAMAGELIABILITY (Section I – Coverages) applies to“bodily injury” or “property damage” arising outof the use of a “non-owned auto” by any personother than you in the course of your business.

C. EXCLUSIONS

With respect to the insurance provided by thisendorsement:

1. Subparagraphs b., c., e., g., h., j., k., l., m.and n. of paragraph 2., Exclusions ofCOVERAGE A – BODILY INJURY ANDPROPERTY DAMAGES (Section I –Coverages) do not apply.

2. The following exclusions are added toparagraph 2., Exclusions of COVERAGE A– BODILY INJURY AND PROPERTYDAMAGE LIABILITY (Section I –Coverages):


a. “Bodily injury” or “property damage” forwhich the insured is obligated to paydamages by reason of the assumptionof liability in a contract or agreement.This exclusion does not apply to liabilityfor damages:

(1) That the insured would have in theabsence of the contract oragreement; or

(2) Assumed in a contract oragreement that is an “insuredcontract”, provided the “bodilyinjury” or “property damage” occurssubsequent to the execution of thecontract agreement.

b. “Bodily Injury” to:

(1) An “employee” of the insuredarising out of and in the course of:

(a) Employment by the insured; or

(b) Performing duties related to theconduct of the insured’sbusiness; or

(2) The spouse, child, parent, brotheror sister of that “employee” as aconsequence of paragraph (1)above.

This exclusion applies:

(1) Whether the insured may be liableas an employer or in any othercapacity; and

(2) To any obligation to sharedamages with or repay someoneelse who must pay the damagesbecause of the injury.

This exclusion does not apply to:

(1) Liability assumed bythe insured under an “insuredcontract”; or

(2) Bodily Injury” todomestic “employees” not entitledto worker compensation benefits.

421-0183 (01/99) 2Includes copyrighted materials of Insurance Services Office, Inc.,1992, 1996 with its permission

c. “Property damage” to:

(1) Property owned or beingtransported by, or rented or loanedto the insured; or

(2) Property in the care, custody orcontrol of the insured.

D. WHO IS AN INSURED

For the purposes of this endorsement only,WHO IS AN INSURED (Section II) is replacedby the following:

Each of the following is an insured under thisinsurance to the extent set forth below:

1. You.

2. Any other person using a “hired auto”, withyour permission.

3. With respect to a “non-owned auto”, anyvolunteer, partner or “executive officer” ofyours, but only while such “non-ownedauto” is being used in your business.

4. Any other person or organization, but onlywith respect to their liability because of actsor omissions of an insured underparagraphs 1., 2. or 3. above.

None of the following is an insured:

1. Any person engaged in the business of hisor her employer with respect to “bodilyinjury” to any co-employee of such personinjured in the course of employment;

2. Any partner or “executive officer” withrespect to any “auto” owned by suchpartner or officer or a member of his or herhousehold;

3. Any person while employed in or otherwiseengaged in performing duties related to theconduct of an “auto business”, other thanan “auto business” you operate;

4. The owner or lessee (of whom you are asublessee) of a “hired auto” or the owner ofa “non-owned auto” or any agent or“employee” of any such owner or lessee;

5. Any person or organization with respect tothe conduct of any current or pastpartnership or joint venture that is notshown as a Named Insured in theDeclarations.

E. LIMIT OF INSURANCE

With respect to the insurance provided by thisendorsement, the General Aggregate Limitdoes not apply to any “hired auto” which isprovided coverage under this endorsement.

F. DEFINITIONS

1. For the purposes of this endorsement only,the definition of “insured contract” inSECTION V – DEFINITIONS is amendedby the addition of the following:

9. “Insured contract” means:

(g) That part of any contract oragreement entered into, as part ofyour business, pertaining to therental or lease, by you or any ofyour “employee”, of any “auto”.However, such contract oragreement shall not be consideredan “insured contract” to the extentthat is obligates you or any of your“employees” to pay for “propertydamage” to any “auto” rented orleased by you or any of your“employees”.

2. For the purposes of this endorsement only,the following definitions are added to theDEFINITIONS Section:

a. “Auto business” means the business oroccupation of selling, repairing,servicing, storing or parking “autos”.

b. “Hired auto” means any “auto” youlease, hire, rent or borrow. This doesnot include any “auto” you lease, hire,rent or borrow from any of your“employees”, your partners or your“executive officers”, or members oftheir households.

c. “Non-owned auto” means any “auto”you do not own, lease, hire, rent orborrow which is used in connection withyour business. This includes “autos”owned by your “employees”, yourpartners or your “executive officers”, ormembers of their households, but onlywhile used in your business or yourpersonal affairs.

CG 25 04 05 09 © Insurance Services Office, Inc., 2008 Page 1 of 2 ��

POLICY NUMBER: RHC 9148246 03 COMMERCIAL GENERAL LIABILITYCG 25 04 05 09


DESIGNATED LOCATION(S)GENERAL AGGREGATE LIMIT


COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE

Designated Location (s):SEE DEC

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

A. For all sums which the insured becomes legallyobligated to pay as damages caused by "occur-rences" under Section I – Coverage A, and for allmedical expenses caused by accidents underSection I – Coverage C, which can be attributedonly to operations at a single designated "loca-tion" shown in the Schedule above:

1. A separate Designated Location GeneralAggregate Limit applies to each designated"location", and that limit is equal to theamount of the General Aggregate Limitshown in the Declarations.

2. The Designated Location General AggregateLimit is the most we will pay for the sum of alldamages under Coverage A, except dam-ages because of "bodily injury" or "propertydamage" included in the "products-completedoperations hazard", and for medical expensesunder Coverage C regardless of the numberof:

a. Insureds;

b. Claims made or "suits" brought; or

c. Persons or organizations making claims orbringing "suits".

3. Any payments made under Coverage A fordamages or under Coverage C for medicalexpenses shall reduce the Designated Loca-tion General Aggregate Limit for that desig-nated "location". Such payments shall not re-duce the General Aggregate Limit shown inthe Declarations nor shall they reduce anyother Designated Location General Aggre-gate Limit for any other designated "location"shown in the Schedule above.

4. The limits shown in the Declarations for EachOccurrence, Damage To Premises Rented ToYou and Medical Expense continue to apply.However, instead of being subject to theGeneral Aggregate Limit shown in the Decla-rations, such limits will be subject to the appli-cable Designated Location General Aggre-gate Limit.

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of 2 © Insurance Services Office, Inc., 2008 CG 25 04 05 09 ��

B. For all sums which the insured becomes legallyobligated to pay as damages caused by "occur-rences" under Section I – Coverage A, and for allmedical expenses caused by accidents underSection I – Coverage C, which cannot be attrib-uted only to operations at a single designated"location" shown in the Schedule above:

1. Any payments made under Coverage A fordamages or under Coverage C for medicalexpenses shall reduce the amount availableunder the General Aggregate Limit or theProducts-completed Operations AggregateLimit, whichever is applicable; and

2. Such payments shall not reduce any Desig-nated Location General Aggregate Limit.

C. When coverage for liability arising out of the"products-completed operations hazard" is pro-vided, any payments for damages because of"bodily injury" or "property damage" included inthe "products-completed operations hazard" willreduce the Products-completed Operations Ag-gregate Limit, and not reduce the General Ag-gregate Limit nor the Designated Location Gen-eral Aggregate Limit.

D. For the purposes of this endorsement, the Defi-nitions Section is amended by the addition ofthe following definition:

"Location" means premises involving the same orconnecting lots, or premises whose connection isinterrupted only by a street, roadway, waterwayor right-of-way of a railroad.

E. The provisions of Section III – Limits Of Insur-ance not otherwise modified by this endorsementshall continue to apply as stipulated.


POLICY NUMBER: RHC914824603 COMMERCIAL GENERAL LIABILITYCG 20 12 05 09


ADDITIONAL INSURED – STATE OR GOVERNMENTALAGENCY OR SUBDIVISION OR POLITICAL

SUBDIVISION – PERMITS OR AUTHORIZATIONS



SCHEDULE

State Or Governmental Agency Or Subdivision Or Poli tical Subdivision:PER DEC

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

Section II – Who Is An Insured is amended to in-clude as an insured any state or governmentalagency or subdivision or political subdivision shown inthe Schedule, subject to the following provisions:

1. This insurance applies only with respect to opera-tions performed by you or on your behalf for whichthe state or governmental agency or subdivision orpolitical subdivision has issued a permit orauthorization.

2. This insurance does not apply to:

a. "Bodily injury", "property damage" or "personaland advertising injury" arising out of operationsperformed for the federal government, state ormunicipality; or

b. "Bodily injury" or "property damage" includedwithin the "products-completed operationshazard".

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CG 20 11 01 96 Copyright, Insurance Services Office, Inc., 1994 Page 1 of 1 ��

POLICY NUMBER: RHC914824603 COMMERCIAL GENERAL LIABILITYCG 20 11 01 96


ADDITIONAL INSURED – MANAGERS OR LESSORS OFPREMISES



SCHEDULE

1. Designation of Premises (Part Leased to You):

2. Name of Person or Organization (Additional Insured): PER DEC

3. Additional Premium:

(If no entry appears above, the information required to complete this endorsement will be shown in the Declarations as appli-cable to this endorsement.)

WHO IS AN INSURED (Section II ) is amended to include as an insured the person or organization shown in the Schedulebut only with respect to liability arising out of the ownership, maintenance or use of that part of the premises leased to youand shown in the Schedule and subject to the following additional exclusions:


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 or organizationshown in the Schedule.

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POLICY NUMBER: RHC 9148246 03 COMMERCIAL GENERAL LIABILITYCG 20 26 07 04


ADDITIONAL INSURED – DESIGNATEDPERSON OR ORGANIZATION



SCHEDULE

Name Of Additional Insured Person(s) Or Organizatio n(s)

PER DEC

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

Section II – Who Is An Insured is amended to in-clude as an additional insured the person(s) or organi-zation(s) shown in the Schedule, but only with respectto liability for "bodily injury", "property damage" or"personal and advertising injury" caused, in whole orin part, by your acts or omissions or the acts or omis-sions of those acting on your behalf:

A. In the performance of your ongoing operations; or

B. In connection with your premises owned by orrented to you.

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IL 00 03 09 08


IL 00 03 09 08 © ISO Properties, Inc., 2007

CALCULATION OF PREMIUM


CAPITAL ASSETS PROGRAM (OUTPUT POLICY) COVERAGE PARTCOMMERCIAL AUTOMOBILE COVERAGE PARTCOMMERCIAL GENERAL LIABILITY COVERAGE PARTCOMMERCIAL INLAND MARINE COVERAGE PARTCOMMERCIAL PROPERTY COVERAGE PARTCRIME AND FIDELITY COVERAGE PARTEMPLOYMENT-RELATED PRACTICES LIABILITY COVERAGE PARTEQUIPMENT BREAKDOWN COVERAGE PARTFARM COVERAGE PARTLIQUOR LIABILITY COVERAGE PARTMEDICAL PROFESSIONAL LIABILITY COVERAGE PARTOWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PARTPOLLUTION LIABILITY COVERAGE PARTPRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PARTRAILROAD PROTECTIVE LIABILITY COVERAGE PART

The following is added:

The premium shown in the Declarations was com-puted based on rates in effect at the time the policywas issued. On each renewal, continuation, or anni-versary of the effective date of this policy, we willcompute the premium in accordance with our ratesand rules then in effect.

Page 1 of 1

IL 00 17 11 98

IL 00 17 11 98 Copyright, Insurance Services Office, Inc., 1998 Page 1 of 1 ��

COMMON POLICY CONDITIONSAll Coverage Parts included in this policy are subject to the following conditions.

A. Cancellation

1. The first Named Insured shown in the Declara-tions may cancel this policy by mailing or deliv-ering to us advance written notice of cancella-tion.

2. We may cancel this policy by mailing or deliv-ering to the first Named Insured written noticeof cancellation at least:

a. 10 days before the effective date of cancel-lation if we cancel for nonpayment of pre-mium; or

b. 30 days before the effective date of cancel-lation if we cancel for any other reason.

3. We will mail or deliver our notice to the firstNamed Insured's last mailing address known tous.

4. Notice of cancellation will state the effectivedate of cancellation. The policy period will endon that date.

5. If this policy is cancelled, we will send the firstNamed Insured any premium refund due. If wecancel, the refund will be pro rata. If the firstNamed Insured cancels, the refund may beless than pro rata. The cancellation will be ef-fective even if we have not made or offered arefund.

6. If notice is mailed, proof of mailing will be suffi-cient proof of notice.

B. Changes

This policy contains all the agreements betweenyou and us concerning the insurance afforded.The first Named Insured shown in the Declarationsis authorized to make changes in the terms of thispolicy with our consent. This policy's terms can beamended or waived only by endorsement issuedby us and made a part of this policy.

C. Examination Of Your Books And Records

We may examine and audit your books and rec-ords as they relate to this policy at any time duringthe policy period and up to three years afterward.

D. Inspections And Surveys

1. We have the right to:

a. Make inspections and surveys at any time;

b. Give you reports on the conditions we find;and

c. Recommend changes.

2. We are not obligated to make any inspections,surveys, reports or recommendations and anysuch actions we do undertake relate only to in-surability and the premiums to be charged. Wedo not make safety inspections. We do not un-dertake to perform the duty of any person ororganization to provide for the health or safetyof workers or the public. And we do not warrantthat conditions:

a. Are safe or healthful; or

b. Comply with laws, regulations, codes orstandards.

3. Paragraphs 1. and 2. of this condition apply notonly to us, but also to any rating, advisory, rateservice or similar organization which makes in-surance inspections, surveys, reports or rec-ommendations.

4. Paragraph 2. of this condition does not apply toany inspections, surveys, reports or recom-mendations we may make relative to certifica-tion, under state or municipal statutes, ordi-nances or regulations, of boilers, pressure ves-sels or elevators.

E. Premiums

The first Named Insured shown in the Declara-tions:

1. Is responsible for the payment of all premiums;and

2. Will be the payee for any return premiums wepay.

F. Transfer Of Your Rights And Duties Under ThisPolicy

Your rights and duties under this policy may not betransferred without our written consent except inthe case of death of an individual named insured.

If you die, your rights and duties will be transferredto your legal representative but only while actingwithin the scope of duties as your legal represen-tative. Until your legal representative is appointed,anyone having proper temporary custody of yourproperty will have your rights and duties but onlywith respect to that property.


IL 00 22 05 87 Copyright, Insurance Services Office, Inc., 1987 Copyright, ISO Commercial Risk Services, Inc., 1987

Page 1 of 1 ��

EFFECTIVE TIME CHANGES –REPLACEMENT OF 12 NOON

This endorsement modifies the COMMON POLICY DECLARATIONS.

To the extent that coverage in this policy replaces coverage in other policies terminating noon standard time onthe inception date of this policy, coverage under this policy shall not become effective until such other coveragehas terminated.

IL 01 40 11 05


IL 01 40 11 05 © ISO Properties, Inc., 2005 Page 1 of 1

CONNECTICUT CHANGES – CIVIL UNION


COMMERCIAL AUTOMOBILE COVERAGE PARTCOMMERCIAL GENERAL LIABILITY COVERAGE PARTCOMMERCIAL LIABILITY UMBRELLA COVERAGE PARTELECTRONIC DATA LIABILITY COVERAGE PARTEMPLOYMENT-RELATED PRACTICES LIABILITY COVERAGE PARTFARM COVERAGE PARTFARM UMBRELLA LIABILITY POLICYLIQUOR LIABILITY COVERAGE PARTOWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PARTPOLLUTION LIABILITY COVERAGE PARTPRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PARTPRODUCT WITHDRAWAL COVERAGE PARTPROFESSIONAL LIABILITY COVERAGE PART

A. The term "spouse" is replaced by the following:

Spouse or party to a civil union recognized underConnecticut law.

B. Under the Commercial Auto Coverage Part, theterm "family member" is replaced by the following:

"Family member" means a person related to the:

1. Individual Named Insured by blood, adoption,marriage or civil union recognized under Con-necticut law, who is a resident of such NamedInsured's household, including a ward or fosterchild; or

2. Individual named in the Schedule by blood,adoption, marriage or civil union recognizedunder Connecticut law, who is a resident of theindividual's household, including a ward or fos-ter child, if the Drive Other Car Coverage –Broadened Coverage For Named IndividualEndorsement is attached.

C. With respect to coverage for the ownership,maintenance, or use of "covered autos" providedunder the Commercial Liability Umbrella CoveragePart, or Farm Umbrella Liability Policy, the term"family member" is replaced by the following:

"Family member" means a person related to youby blood, adoption, marriage or civil union recog-nized under Connecticut law, who is a resident ofyour household, including a ward or foster child.

INTERLINEIL 02 60 09 07


IL 02 60 09 07 © ISO Properties, Inc., 2006 Page 1 of 2 ��

CONNECTICUT CHANGES – CANCELLATIONAND NONRENEWAL


COMMERCIAL AUTOMOBILE COVERAGE PARTCOMMERCIAL GENERAL LIABILITY COVERAGE PARTCOMMERCIAL INLAND MARINE COVERAGE PARTCOMMERCIAL LIABILITY UMBRELLA COVERAGE PARTCRIME AND FIDELITY COVERAGE PARTEMPLOYMENT-RELATED PRACTICES LIABILITY COVERAGE PARTEQUIPMENT BREAKDOWN COVERAGE PARTFARM UMBRELLA LIABILITY POLICYLIQUOR LIABILITY COVERAGE PARTPOLLUTION LIABILITY COVERAGE PARTPRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART

A. The Cancellation Common Policy Condition isreplaced by the following:

CANCELLATION

1. The first Named Insured shown in the Declara-tions may cancel this policy by mailing or deliv-ering to us advance written notice of cancella-tion.

2. Cancellation of policies in effect for less than60 days.

If this policy has been in effect for less than 60days and is not a renewal of a policy we is-sued, we may cancel this policy for any reasonby giving you written notice of cancellation atleast:

a. 10 days before the effective date of cancel-lation if we cancel for nonpayment of pre-mium; or

b. 30 days before the effective date of cancel-lation if we cancel for any other reason.

3. Cancellation of policies in effect for 60 days ormore.

a. If this policy has been in effect for 60 daysor more or this is a renewal of a policy weissued, we may cancel this policy by givingyou written notice of cancellation at least:

(1) 10 days before the effective date ofcancellation if we cancel for one or moreof the following reasons:

(a) Nonpayment of premium;

(b) Conviction of a crime arising out ofacts increasing the hazard insuredagainst;

(c) Discovery of fraud or material mis-representation by you in obtainingthe policy or in perfecting any claimthereunder;

(d) Discovery of any willful or recklessact or omission by you increasing thehazard insured against; or

(e) A determination by the Commis-sioner that continuation of the policywould violate or place us in violationof the law; or

(2) 60 days before the effective date ofcancellation if we cancel for one or moreof the following reasons:

(a) Physical changes in the propertywhich increase the hazard insuredagainst;

(b) A material increase in the hazardinsured against; or

(c) A substantial loss of reinsurance byus affecting this particular line of in-surance.

b. We may not cancel policies in effect for 60days or more or renewal policies for anyreason other than the reasons described inParagraph 3.a. above.

IL 02 60 09 07 © ISO Properties, Inc., 2006 Page 2 of 2 ��

c. If we cancel for nonpayment of premium,you may continue the coverage and avoidthe effect of the cancellation by payment infull at any time prior to the effective date ofcancellation.

d. Notice of cancellation will be delivered orsent by:

(1) Registered mail;

(2) Certified mail; or

(3) Mail evidenced by a United States PostOffice certificate of mailing.

4. We will give notice to you at your last mailingaddress known to us.

5. Notice of cancellation will state the specificreason for the cancellation and the effectivedate of cancellation. The policy period will endon that date.

6. If this policy is cancelled, we will send the firstNamed Insured any premium refund due. If wecancel, the refund will be pro rata. If the firstNamed Insured cancels, the refund may beless than pro rata. The cancellation will be ef-fective even if we have not made or offered arefund.

7. If notice is mailed, proof of mailing will be suffi-cient proof of notice.

B. The following is added and supersedes any otherprovision to the contrary:

NONRENEWAL

1. If we decide not to renew this policy, we willmail or deliver to you a written notice of nonre-newal, stating the specific reason for nonre-newal, at least 60 days before the expirationdate of this policy. The notice will be sent toyour address last known to us.

2. This notice will be delivered or sent by:

a. Registered mail;

b. Certified mail; or

c. Mail evidenced by a certificate of mailing.

If notice is mailed, proof of mailing is sufficientproof of notice.

3. However, we are not required to send thisnotice if nonrenewal is due to your failure topay any advance premium required for re-newal.

4. With respect to automobile liability insurancepolicies only, your policy shall terminate on theeffective date of any other insurance policy youpurchase with respect to any automobile des-ignated in both policies.

IL 00 21 09 08


IL 00 21 09 08 © ISO Properties, Inc., 2007

NUCLEAR ENERGY LIABILITY EXCLUSIONENDORSEMENT

(Broad Form)


COMMERCIAL AUTOMOBILE COVERAGE PARTCOMMERCIAL GENERAL LIABILITY COVERAGE PARTFARM COVERAGE PARTLIQUOR LIABILITY COVERAGE PARTMEDICAL PROFESSIONAL LIABILITY COVERAGE PARTOWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PARTPOLLUTION LIABILITY COVERAGE PARTPRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PARTRAILROAD PROTECTIVE LIABILITY COVERAGE PARTUNDERGROUND STORAGE TANK POLICY

1. The insurance does not apply:

A. Under any Liability Coverage, to "bodily injury"or "property damage":

(1) With respect to which an "insured" underthe policy is also an insured under a nu-clear energy liability policy issued by Nu-clear Energy Liability Insurance Associa-tion, Mutual Atomic Energy LiabilityUnderwriters, Nuclear Insurance Associa-tion of Canada or any of their successors,or would be an insured under any suchpolicy but for its termination upon exhaus-tion of its limit of liability; or

(2) Resulting from the "hazardous properties"of "nuclear material" and with respect towhich (a) any person or organization is re-quired to maintain financial protection pur-suant to the Atomic Energy Act of 1954, orany law amendatory thereof, or (b) the "in-sured" is, or had this policy not been issuedwould be, entitled to indemnity from theUnited States of America, or any agencythereof, under any agreement entered intoby the United States of America, or anyagency thereof, with any person or organi-zation.

B. Under any Medical Payments coverage, toexpenses incurred with respect to "bodily in-jury" resulting from the "hazardous properties"of "nuclear material" and arising out of the op-eration of a "nuclear facility" by any person ororganization.

C. Under any Liability Coverage, to "bodily injury"or "property damage" resulting from "hazard-ous properties" of "nuclear material", if:

(1) The "nuclear material" (a) is at any "nuclearfacility" owned by, or operated by or on be-half of, an "insured" or (b) has been dis-charged or dispersed therefrom;

(2) The "nuclear material" is contained in"spent fuel" or "waste" at any time pos-sessed, handled, used, processed, stored,transported or disposed of, by or on behalfof an "insured"; or

(3) The "bodily injury" or "property damage"arises out of the furnishing by an "insured"of services, materials, parts or equipment inconnection with the planning, construction,maintenance, operation or use of any "nu-clear facility", but if such facility is locatedwithin the United States of America, its ter-ritories or possessions or Canada, this ex-clusion (3) applies only to "property dam-age" to such "nuclear facility" and anyproperty thereat.

2. As used in this endorsement:

"Hazardous properties" includes radioactive, toxicor explosive properties.

"Nuclear material" means "source material", "spe-cial nuclear material" or "by-product material".

Page 1 of 2

© ISO Properties, Inc., 2007 IL 00 21 09 08 ��

"Source material", "special nuclear material", and"by-product material" have the meanings giventhem in the Atomic Energy Act of 1954 or in anylaw amendatory thereof.

"Spent fuel" means any fuel element or fuel com-ponent, solid or liquid, which has been used or ex-posed to radiation in a "nuclear reactor".

"Waste" means any waste material (a) containing"by-product material" other than the tailings orwastes produced by the extraction or concentra-tion of uranium or thorium from any ore processedprimarily for its "source material" content, and (b)resulting from the operation by any person or or-ganization of any "nuclear facility" included underthe first two paragraphs of the definition of "nu-clear facility".

"Nuclear facility" means:

(a) Any "nuclear reactor";

(b) Any equipment or device designed or usedfor (1) separating the isotopes of uranium orplutonium, (2) processing or utilizing "spentfuel", or (3) handling, processing or pack-aging "waste";

(c) Any equipment or device used for the proc-essing, fabricating or alloying of "specialnuclear material" if at any time the totalamount of such material in the custody ofthe "insured" at the premises where suchequipment or device is located consists ofor contains more than 25 grams of pluto-nium or uranium 233 or any combinationthereof, or more than 250 grams of uranium235;

(d) Any structure, basin, excavation, premisesor place prepared or used for the storage ordisposal of "waste";

and includes the site on which any of the foregoingis located, all operations conducted on such siteand all premises used for such operations.

"Nuclear reactor" means any apparatus designedor used to sustain nuclear fission in a self-supporting chain reaction or to contain a criticalmass of fissionable material.

"Property damage" includes all forms of radioac-tive contamination of property.

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421-1468 10 10 Includes copyrighted material of Insurance Services Office, Inc.


SPECIAL EVENTS LIMITATION ENDORSEMENT – EXTENDED TI ME



This insurance does not apply to “bodily injury”,“property damage”, or “personal and advertising injury”arising out of the following Special Events:

1. Parades sponsored by the Insured;

2. Aircraft or air shows;

3. Automobile rallies;

4. Motorcycle rallies or runs;

5. Any Event involving the use of Firearms;

6. Fireworks;

7. Any activity involving Animals- other thanhousehold pets;

8. Carnivals and fairs with mechanical ridessponsored by the Insured;

9. Concerts with admissions of over 500 people;

10. Events including contact sports;

11. Rodeos;

12. Political Rallies;

13. Any event lasting more than 15 days includingotherwise acceptable fund raising events;

14. Any event with liquor provided by the Insured if alicense is required for such activity;

15. Any activities by third party telemarketing, directmail, spam, email or internet advertising firms; or

16. Any activities excluded by an endorsement issuedby us and made part of this Coverage Part.

Insurance may apply to the aforementioned events ifcoverage is specifically scheduled to Form 421-0589.

Page 1 of 1


LEAD POISONING LIABILITY EXCLUSION


BUSINESSOWNERS POLICYCOMMERCIAL GENERAL LIABILITY COVERAGE PART

This insurance does not apply to "bodily injury", "property damage", "personal injury" or"advertising injury" arising out of any actual or alleged lead poisoning due to:

1. Inhaling, ingesting or prolonged physical exposure by any person to any premises,structure, goods or products containing lead; or

2. The use of lead in constructing or manufacturing any good, product or structure; or

3. Intentional or accidental removal including encapsulation, dispersal, sealing or disposalof any good, product or structure containing lead; or

4 The manufacturing, transportation, storage or disposal of goods or products containinglead; or

5. Any product manufactured, sold, handled or distributed by or on behalf of the insuredwhich contains lead; or

6. Acts or omissions of the insured in connection with the general supervision of any jobinvolving the removal, enclosure, encapsulation, dispersal, sealing or disposal of prod-ucts or materials containing lead.

General supervision includes the rendering of or failure to render any instructions, recommen-dations, warnings or advice.

421-0037A (6/95)

421-0361 12 05 Includes copyrighted material of ISO Insurance Services Office, Inc., with its permission Page 1 of 1


Other Coverage Amendment



For the purpose of this endorsement only, the following is added to Section III. Limits of Insurance:

Regardless of the Limits specified in the Declarations of this policy, if any "Bodily Injury", "Property

Damage", or "Personal and Advertising Injury" covered by this policy is also covered by any other

policy issued by us or any company affiliated with us, then:

1. The maximum that we will pay for all such "Bodily Injury" or "Property Damage" will be the

highest applicable Each Occurrence Limit under any one of those policies; and

2. The maximum that we will pay for all such "Personal and Advertising Injury" will be the

highest applicable Personal and Advertising Injury Limit under any one of those policies; and

3. If this policy does not represent the highest applicable Each Occurrence Limit or Personal and

Advertising Injury Limit, then the insurance provided by this policy does not apply to such

"Bodily Injury", "Property Damage" or "Personal and Advertising Injury".

All other terms of the policy remain the same.

COMMERCIAL AUTOCA 00 01 10 01

CA 00 01 10 01 © ISO Properties, Inc., 2000 Page 1 of 11 ��

BUSINESS AUTO COVERAGE FORM

Various provisions in this policy restrict coverage.Read the entire policy carefully to determine rights,duties and what is and is not covered.

Throughout this policy the words "you" and "your"refer to the Named Insured shown in the Declara-tions. The words "we", "us" and "our" refer to theCompany providing this insurance.

Other words and phrases that appear in quotationmarks have special meaning. Refer to Section V –Definitions.

SECTION I – COVERED AUTOS

Item Two of the Declarations shows the "autos" thatare covered "autos" for each of your coverages. Thefollowing numerical symbols describe the "autos"that may be covered "autos". The symbols enterednext to a coverage on the Declarations designate theonly "autos" that are covered "autos".

A. Description Of Covered Auto DesignationSymbols

Symbol Description Of Covered Auto Designation Symbo ls1 Any "Auto"

2 Owned "Autos"Only

Only those "autos" you own (and for Liability Coverage any "trailers" you don't ownwhile attached to power units you own). This includes those "autos" you acquireownership of after the policy begins.

3 Owned PrivatePassenger"Autos" Only

Only the private passenger "autos" you own. This includes those private passenger"autos" you acquire ownership of after the policy begins.

4 Owned "Autos"Other Than Pri-vate Passenger"Autos" Only

Only those "autos" you own that are not of the private passenger type (and for Li-ability Coverage any "trailers" you don't own while attached to power units youown). This includes those "autos" not of the private passenger type you acquireownership of after the policy begins.

5 Owned "Autos"Subject To No-Fault

Only those "autos" you own that are required to have No-Fault benefits in the statewhere they are licensed or principally garaged. This includes those "autos" you ac-quire ownership of after the policy begins provided they are required to have No-Fault benefits in the state where they are licensed or principally garaged.

6 Owned "Autos"Subject To ACompulsoryUninsured Mo-torists Law

Only those "autos" you own that because of the law in the state where they are li-censed or principally garaged are required to have and cannot reject UninsuredMotorists Coverage. This includes those "autos" you acquire ownership of after thepolicy begins provided they are subject to the same state uninsured motorists re-quirement.

7 Specifically De-scribed "Autos"

Only those "autos" described in Item Three of the Declarations for which a pre-mium charge is shown (and for Liability Coverage any "trailers" you don't own whileattached to any power unit described in Item Three).

8 Hired "Autos"Only

Only those "autos" you lease, hire, rent or borrow. This does not include any "auto"you lease, hire, rent, or borrow from any of your "employees", partners (if you are apartnership), members (if you are a limited liability company) or members of theirhouseholds.

9 Nonowned"Autos" Only

Only those "autos" you do not own, lease, hire, rent or borrow that are used in con-nection with your business. This includes "autos" owned by your "employees", part-ners (if you are a partnership), members (if you are a limited liability company), ormembers of their households but only while used in your business or your personalaffairs.

of 11 © ISO Properties, Inc., 2000 CA 00 01 10 01 ��

B. Owned Autos You Acquire After The PolicyBegins

1. If Symbols 1, 2, 3, 4, 5 or 6 are entered next toa coverage in Item Two of the Declarations,then you have coverage for "autos" that youacquire of the type described for the remainderof the policy period.

2. But, if Symbol 7 is entered next to a coveragein Item Two of the Declarations, an "auto" youacquire will be a covered "auto" for that cover-age only if:

a. We already cover all "autos" that you ownfor that coverage or it replaces an "auto"you previously owned that had that cover-age; and

b. You tell us within 30 days after you acquireit that you want us to cover it for that cover-age.

C. Certain Trailers, Mobile Equipment AndTemporary Substitute Autos

If Liability Coverage is provided by this CoverageForm, the following types of vehicles are also cov-ered "autos" for Liability Coverage:

1. "Trailers" with a load capacity of 2,000 poundsor less designed primarily for travel on publicroads.

2. "Mobile equipment" while being carried ortowed by a covered "auto".

3. Any "auto" you do not own while used with thepermission of its owner as a temporary substi-tute for a covered "auto" you own that is out ofservice because of its:

a. Breakdown;

b. Repair;

c. Servicing;

d. "Loss"; or

e. Destruction.

SECTION II – LIABILITY COVERAGE

A. Coverage

We will pay all sums an "insured" legally must payas damages because of "bodily injury" or "propertydamage" to which this insurance applies, causedby an "accident" and resulting from the ownership,maintenance or use of a covered "auto".

We will also pay all sums an "insured" legally mustpay as a "covered pollution cost or expense" towhich this insurance applies, caused by an "acci-dent" and resulting from the ownership, mainte-nance or use of covered "autos". However, we willonly pay for the "covered pollution cost or ex-pense" if there is either "bodily injury" or "propertydamage" to which this insurance applies that iscaused by the same "accident".

We have the right and duty to defend any "insured"against a "suit" asking for such damages or a"covered pollution cost or expense". However, wehave no duty to defend any "insured" against a"suit" seeking damages for "bodily injury" or "prop-erty damage" or a "covered pollution cost or ex-pense" to which this insurance does not apply. Wemay investigate and settle any claim or "suit" as weconsider appropriate. Our duty to defend or settleends when the Liability Coverage Limit of Insur-ance has been exhausted by payment of judg-ments or settlements.

1. Who Is An Insured

The following are "insureds":

a. You for any covered "auto".

b. Anyone else while using with your permis-sion a covered "auto" you own, hire or bor-row except:

(1) The owner or anyone else from whomyou hire or borrow a covered "auto". Thisexception does not apply if the covered"auto" is a "trailer" connected to a cov-ered "auto" you own.

(2) Your "employee" if the covered "auto" isowned by that "employee" or a memberof his or her household.

(3) Someone using a covered "auto" whilehe or she is working in a business ofselling, servicing, repairing, parking orstoring "autos" unless that business isyours.

(4) Anyone other than your "employees",partners (if you are a partnership),members (if you are a limited liabilitycompany), or a lessee or borrower orany of their "employees", while movingproperty to or from a covered "auto".

(5) A partner (if you are a partnership), or amember (if you are a limited liabilitycompany) for a covered "auto" owned byhim or her or a member of his or herhousehold.


c. Anyone liable for the conduct of an "in-sured" described above but only to the ex-tent of that liability.

2. Coverage Extensions

a. Supplementary Payments

In addition to the Limit of Insurance, we willpay for the "insured":

(1) All expenses we incur.

(2) Up to $2,000 for cost of bail bonds (in-cluding bonds for related traffic law vio-lations) required because of an "acci-dent" we cover. We do not have to fur-nish these bonds.

(3) The cost of bonds to release attach-ments in any "suit" against the "insured"we defend, but only for bond amountswithin our Limit of Insurance.

(4) All reasonable expenses incurred by the"insured" at our request, including actualloss of earnings up to $250 a day be-cause of time off from work.

(5) All costs taxed against the "insured" inany "suit" against the "insured" we de-fend.

(6) All interest on the full amount of anyjudgment that accrues after entry of thejudgment in any "suit" against the "in-sured" we defend, but our duty to payinterest ends when we have paid, of-fered to pay or deposited in court thepart of the judgment that is within ourLimit of Insurance.

b. Out-Of-State Coverage Extensions

While a covered "auto" is away from thestate where it is licensed we will:

(1) Increase the Limit of Insurance for Li-ability Coverage to meet the limitsspecified by a compulsory or financialresponsibility law of the jurisdictionwhere the covered "auto" is being used.This extension does not apply to the limitor limits specified by any law governingmotor carriers of passengers or prop-erty.

(2) Provide the minimum amounts andtypes of other coverages, such as no-fault, required of out-of-state vehicles bythe jurisdiction where the covered "auto"is being used.

We will not pay anyone more than once forthe same elements of loss because ofthese extensions.

B. Exclusions

This insurance does not apply to any of the fol-lowing:

1. Expected Or Intended Injury

"Bodily injury" or "property damage" expectedor intended from the standpoint of the "in-sured".

2. Contractual

Liability assumed under any contract or agree-ment.

But this exclusion does not apply to liability fordamages:

a. Assumed in a contract or agreement that isan "insured contract" provided the "bodilyinjury" or "property damage" occurs subse-quent to the execution of the contract oragreement; or

b. That the "insured" would have in the ab-sence of the contract or agreement.

3. Workers' Compensation

Any obligation for which the "insured" or the"insured's" insurer may be held liable under anyworkers' compensation, disability benefits orunemployment compensation law or any similarlaw.

4. Employee Indemnification And Employer'sLiability

"Bodily injury" to:

a. An "employee" of the "insured" arising out ofand in the course of:

(1) Employment by the "insured"; or

(2) Performing the duties related to the con-duct of the "insured’s" business; or

b. The spouse, child, parent, brother or sisterof that "employee" as a consequence ofParagraph a. above.


(1) Whether the "insured" may be liable asan employer or in any other capacity;and

(2) To any obligation to share damages withor repay someone else who must paydamages because of the injury.

But this exclusion does not apply to "bodily in-jury" to domestic "employees" not entitled toworkers' compensation benefits or to liabilityassumed by the "insured" under an "insuredcontract". For the purposes of the CoverageForm, a domestic "employee" is a person en-gaged in household or domestic work per-formed principally in connection with a resi-dence premises.


5. Fellow Employee

"Bodily injury" to any fellow "employee" of the"insured" arising out of and in the course of thefellow "employee's" employment or while per-forming duties related to the conduct of yourbusiness.

6. Care, Custody Or Control

"Property damage" to or "covered pollution costor expense" involving property owned or trans-ported by the "insured" or in the "insured's"care, custody or control. But this exclusiondoes not apply to liability assumed under asidetrack agreement.

7. Handling Of Property

"Bodily injury" or "property damage" resultingfrom the handling of property:

a. Before it is moved from the place where it isaccepted by the "insured" for movementinto or onto the covered "auto"; or

b. After it is moved from the covered "auto" tothe place where it is finally delivered by the"insured".

8. Movement Of Property By MechanicalDevice

"Bodily injury" or "property damage" resultingfrom the movement of property by a mechani-cal device (other than a hand truck) unless thedevice is attached to the covered "auto".

9. Operations

"Bodily injury" or "property damage" arising outof the operation of any equipment listed inParagraphs 6.b. and 6.c. of the definition of"mobile equipment".

10. Completed Operations

"Bodily injury" or "property damage" arising outof your work after that work has been com-pleted or abandoned.

In this exclusion, your work means:

a. Work or operations performed by you or onyour behalf; and

b. Materials, parts or equipment furnished inconnection with such work or operations.

Your work includes warranties or representa-tions made at any time with respect to the fit-ness, quality, durability or performance of anyof the items included in Paragraphs a. or b.above.

Your work will be deemed completed at theearliest of the following times:

(1) When all of the work called for in yourcontract has been completed.

(2) When all of the work to be done at thesite has been completed if your contractcalls for work at more than one site.

(3) When that part of the work done at a jobsite has been put to its intended use byany person or organization other thananother contractor or subcontractorworking on the same project.

Work that may need service, maintenance,correction, repair or replacement, but whichis otherwise complete, will be treated ascompleted.

11. Pollution

"Bodily injury" or "property damage" arising outof the actual, alleged or threatened discharge,dispersal, seepage, migration, release or es-cape of "pollutants":

a. That are, or that are contained in any prop-erty that is:

(1) Being transported or towed by, handled,or handled for movement into, onto orfrom, the covered "auto";

(2) Otherwise in the course of transit by oron behalf of the "insured"; or

(3) Being stored, disposed of, treated orprocessed in or upon the covered "auto";

b. Before the "pollutants" or any property inwhich the "pollutants" are contained aremoved from the place where they are ac-cepted by the "insured" for movement intoor onto the covered "auto"; or

c. After the "pollutants" or any property inwhich the "pollutants" are contained aremoved from the covered "auto" to the placewhere they are finally delivered, disposed ofor abandoned by the "insured".

Paragraph a. above does not apply to fuels,lubricants, fluids, exhaust gases or othersimilar "pollutants" that are needed for orresult from the normal electrical, hydraulicor mechanical functioning of the covered"auto" or its parts, if:

(1) The "pollutants" escape, seep, migrate,or are discharged, dispersed or releaseddirectly from an "auto" part designed byits manufacturer to hold, store, receiveor dispose of such "pollutants"; and

(2) The "bodily injury", "property damage" or"covered pollution cost or expense" doesnot arise out of the operation of anyequipment listed in Paragraphs 6.b. and6.c. of the definition of "mobile equip-ment".


Paragraphs b. and c. above of this exclu-sion do not apply to "accidents" that occuraway from premises owned by or rented toan "insured" with respect to "pollutants" notin or upon a covered "auto" if:

(1) The "pollutants" or any property in whichthe "pollutants" are contained are upset,overturned or damaged as a result of themaintenance or use of a covered "auto";and

(2) The discharge, dispersal, seepage, mi-gration, release or escape of the "pollut-ants" is caused directly by such upset,overturn or damage.

12. War

"Bodily injury" or "property damage" due to war,whether or not declared, or any act or conditionincident to war. War includes civil war, insur-rection, rebellion or revolution. This exclusionapplies only to liability assumed under a con-tract or agreement.

13. Racing

Covered "autos" while used in any professionalor organized racing or demolition contest orstunting activity, or while practicing for suchcontest or activity. This insurance also does notapply while that covered "auto" is being pre-pared for such a contest or activity.

C. Limit Of Insurance

Regardless of the number of covered "autos", "in-sureds", premiums paid, claims made or vehiclesinvolved in the "accident", the most we will pay forthe total of all damages and "covered pollution costor expense" combined, resulting from any one "ac-cident" is the Limit of Insurance for Liability Cover-age shown in the Declarations.

All "bodily injury", "property damage" and "coveredpollution cost or expense" resulting from continu-ous or repeated exposure to substantially thesame conditions will be considered as resultingfrom one "accident".

No one will be entitled to receive duplicate pay-ments for the same elements of "loss" under thisCoverage Form and any Medical Payments Cov-erage Endorsement, Uninsured Motorists Cover-age Endorsement or Underinsured Motorists Cov-erage Endorsement attached to this CoveragePart.

SECTION III – PHYSICAL DAMAGE COVERAGE

A. Coverage

1. We will pay for "loss" to a covered "auto" or itsequipment under:

a. Comprehensive Coverage

From any cause except:

(1) The covered "auto's" collision with an-other object; or

(2) The covered "auto's" overturn.

b. Specified Causes Of Loss Coverage

Caused by:

(1) Fire, lightning or explosion;

(2) Theft;

(3) Windstorm, hail or earthquake;

(4) Flood;

(5) Mischief or vandalism; or

(6) The sinking, burning, collision or derail-ment of any conveyance transporting thecovered "auto".

c. Collision Coverage

Caused by:

(1) The covered "auto's" collision with an-other object; or

(2) The covered "auto's" overturn.

2. Towing

We will pay up to the limit shown in the Decla-rations for towing and labor costs incurred eachtime a covered "auto" of the private passengertype is disabled. However, the labor must beperformed at the place of disablement.

3. Glass Breakage – Hitting A Bird Or Animal –Falling Objects Or Missiles

If you carry Comprehensive Coverage for thedamaged covered "auto", we will pay for thefollowing under Comprehensive Coverage:

a. Glass breakage;

b. "Loss" caused by hitting a bird or animal;and

c. "Loss" caused by falling objects or missiles.

However, you have the option of having glassbreakage caused by a covered "auto's" collisionor overturn considered a "loss" under CollisionCoverage.


4. Coverage Extensions

a. Transportation Expenses

We will pay up to $20 per day to a maxi-mum of $600 for temporary transportationexpense incurred by you because of thetotal theft of a covered "auto" of the privatepassenger type. We will pay only for thosecovered "autos" for which you carry eitherComprehensive or Specified Causes ofLoss Coverage. We will pay for temporarytransportation expenses incurred during theperiod beginning 48 hours after the theftand ending, regardless of the policy's expi-ration, when the covered "auto" is returnedto use or we pay for its "loss".

b. Loss Of Use Expenses

For Hired Auto Physical Damage, we willpay expenses for which an "insured" be-comes legally responsible to pay for loss ofuse of a vehicle rented or hired without adriver, under a written rental contract oragreement. We will pay for loss of use ex-penses if caused by:

(1) Other than collision only if the Declara-tions indicate that Comprehensive Cov-erage is provided for any covered "auto";

(2) Specified Causes Of Loss only if theDeclarations indicate that SpecifiedCauses Of Loss Coverage is providedfor any covered "auto"; or

(3) Collision only if the Declarations indicatethat Collision Coverage is provided forany covered "auto".

However, the most we will pay for any ex-penses for loss of use is $20 per day, to amaximum of $600.

B. Exclusions

1. We will not pay for "loss" caused by or resultingfrom any of the following. Such "loss" is ex-cluded regardless of any other cause or eventthat contributes concurrently or in any se-quence to the "loss".

a. Nuclear Hazard

(1) The explosion of any weapon employingatomic fission or fusion; or

(2) Nuclear reaction or radiation, or radioac-tive contamination, however caused.

b. War Or Military Action

(1) War, including undeclared or civil war;

(2) Warlike action by a military force, in-cluding action in hindering or defendingagainst an actual or expected attack, byany government, sovereign or otherauthority using military personnel orother agents; or

(3) Insurrection, rebellion, revolution,usurped power or action taken by gov-ernmental authority in hindering or de-fending against any of these.

2. We will not pay for "loss" to any covered "auto"while used in any professional or organizedracing or demolition contest or stunting activity,or while practicing for such contest or activity.We will also not pay for "loss" to any covered"auto" while that covered "auto" is being pre-pared for such a contest or activity.

3. We will not pay for "loss" caused by or resultingfrom any of the following unless caused byother "loss" that is covered by this insurance:

a. Wear and tear, freezing, mechanical orelectrical breakdown.

b. Blowouts, punctures or other road damageto tires.

4. We will not pay for "loss" to any of the follow-ing:

a. Tapes, records, discs or other similar audio,visual or data electronic devices designedfor use with audio, visual or data electronicequipment.

b. Any device designed or used to detectspeed measuring equipment such as radaror laser detectors and any jamming appa-ratus intended to elude or disrupt speedmeasurement equipment.

c. Any electronic equipment, without regard towhether this equipment is permanently in-stalled, that receives or transmits audio,visual or data signals and that is not de-signed solely for the reproduction of sound.

d. Any accessories used with the electronicequipment described in Paragraph c.above.


Exclusions 4.c. and 4.d. do not apply to:

a. Equipment designed solely for the repro-duction of sound and accessories used withsuch equipment, provided such equipmentis permanently installed in the covered"auto" at the time of the "loss" or suchequipment is removable from a housing unitwhich is permanently installed in the cov-ered "auto" at the time of the "loss", andsuch equipment is designed to be solelyoperated by use of the power from the"auto's" electrical system, in or upon thecovered "auto"; or

b. Any other electronic equipment that is:

(1) Necessary for the normal operation ofthe covered "auto" or the monitoring ofthe covered "auto's" operating system;or

(2) An integral part of the same unit housingany sound reproducing equipment de-scribed in a. above and permanently in-stalled in the opening of the dash orconsole of the covered "auto" normallyused by the manufacturer for installationof a radio.

5. We will not pay for "loss" to a covered "auto"due to "diminution in value".

C. Limit Of Insurance

1. The most we will pay for "loss" in any one "ac-cident" is the lesser of:

a. The actual cash value of the damaged orstolen property as of the time of the "loss";or

b. The cost of repairing or replacing the dam-aged or stolen property with other propertyof like kind and quality.

2. An adjustment for depreciation and physicalcondition will be made in determining actualcash value in the event of a total "loss".

3. If a repair or replacement results in better thanlike kind or quality, we will not pay for theamount of the betterment.

D. Deductible

For each covered "auto", our obligation to pay for,repair, return or replace damaged or stolen prop-erty will be reduced by the applicable deductibleshown in the Declarations. Any ComprehensiveCoverage deductible shown in the Declarationsdoes not apply to "loss" caused by fire or lightning.

SECTION IV – BUSINESS AUTO CONDITIONS

The following conditions apply in addition to theCommon Policy Conditions:

A. Loss Conditions

1. Appraisal For Physical Damage Loss

If you and we disagree on the amount of "loss",either may demand an appraisal of the "loss".In this event, each party will select a competentappraiser. The two appraisers will select acompetent and impartial umpire. The apprais-ers will state separately the actual cash valueand amount of "loss". If they fail to agree, theywill submit their differences to the umpire. Adecision agreed to by any two will be binding.Each party will:

a. Pay its chosen appraiser; and

b. Bear the other expenses of the appraisaland umpire equally.

If we submit to an appraisal, we will still retainour right to deny the claim.

2. Duties In The Event Of Accident, Claim, SuitOr Loss

We have no duty to provide coverage underthis policy unless there has been full compli-ance with the following duties:

a. In the event of "accident", claim, "suit" or"loss", you must give us or our authorizedrepresentative prompt notice of the "acci-dent" or "loss". Include:

(1) How, when and where the "accident" or"loss" occurred;

(2) The "insured's" name and address; and

(3) To the extent possible, the names andaddresses of any injured persons andwitnesses.

b. Additionally, you and any other involved "in-sured" must:

(1) Assume no obligation, make no paymentor incur no expense without our consent,except at the "insured's" own cost.

(2) Immediately send us copies of any re-quest, demand, order, notice, summonsor legal paper received concerning theclaim or "suit".

(3) Cooperate with us in the investigation orsettlement of the claim or defenseagainst the "suit".

(4) Authorize us to obtain medical recordsor other pertinent information.


(5) Submit to examination, at our expense,by physicians of our choice, as often aswe reasonably require.

c. If there is "loss" to a covered "auto" or itsequipment you must also do the following:

(1) Promptly notify the police if the covered"auto" or any of its equipment is stolen.

(2) Take all reasonable steps to protect thecovered "auto" from further damage.Also keep a record of your expenses forconsideration in the settlement of theclaim.

(3) Permit us to inspect the covered "auto"and records proving the "loss" before itsrepair or disposition.

(4) Agree to examinations under oath at ourrequest and give us a signed statementof your answers.

3. Legal Action Against Us

No one may bring a legal action against us un-der this Coverage Form until:

a. There has been full compliance with all theterms of this Coverage Form; and

b. Under Liability Coverage, we agree in writ-ing that the "insured" has an obligation topay or until the amount of that obligationhas finally been determined by judgmentafter trial. No one has the right under thispolicy to bring us into an action to determinethe "insured's" liability.

4. Loss Payment – Physical DamageCoverages

At our option we may:

a. Pay for, repair or replace damaged or stolenproperty;

b. Return the stolen property, at our expense.We will pay for any damage that results tothe "auto" from the theft; or

c. Take all or any part of the damaged or sto-len property at an agreed or appraisedvalue.

If we pay for the "loss", our payment will includethe applicable sales tax for the damaged orstolen property.

5. Transfer Of Rights Of Recovery AgainstOthers To Us

If any person or organization to or for whom wemake payment under this Coverage Form hasrights to recover damages from another, thoserights are transferred to us. That person or or-ganization must do everything necessary to se-cure our rights and must do nothing after "acci-dent" or "loss" to impair them.

B. General Conditions

1. Bankruptcy

Bankruptcy or insolvency of the "insured" or the"insured's" estate will not relieve us of any obli-gations under this Coverage Form.

2. Concealment, Misrepresentation Or Fraud

This Coverage Form is void in any case offraud by you at any time as it relates to thisCoverage Form. It is also void if you or anyother "insured", at any time, intentionally con-ceal or misrepresent a material fact concern-ing:

a. This Coverage Form;

b. The covered "auto";

c. Your interest in the covered "auto"; or

d. A claim under this Coverage Form.

3. Liberalization

If we revise this Coverage Form to providemore coverage without additional premiumcharge, your policy will automatically providethe additional coverage as of the day the revi-sion is effective in your state.

4. No Benefit To Bailee – Physical DamageCoverages

We will not recognize any assignment or grantany coverage for the benefit of any person ororganization holding, storing or transportingproperty for a fee regardless of any other provi-sion of this Coverage Form.

5. Other Insurance

a. For any covered "auto" you own, this Cov-erage Form provides primary insurance. Forany covered "auto" you don't own, the in-surance provided by this Coverage Form isexcess over any other collectible insurance.However, while a covered "auto" which is a"trailer" is connected to another vehicle, theLiability Coverage this Coverage Form pro-vides for the "trailer" is:

(1) Excess while it is connected to a motorvehicle you do not own.

(2) Primary while it is connected to a cov-ered "auto" you own.

b. For Hired Auto Physical Damage Coverage,any covered "auto" you lease, hire, rent orborrow is deemed to be a covered "auto"you own. However, any "auto" that isleased, hired, rented or borrowed with adriver is not a covered "auto".

c. Regardless of the provisions of Paragrapha. above, this Coverage Form's LiabilityCoverage is primary for any liability as-sumed under an "insured contract".


d. When this Coverage Form and any otherCoverage Form or policy covers on thesame basis, either excess or primary, wewill pay only our share. Our share is theproportion that the Limit of Insurance of ourCoverage Form bears to the total of the lim-its of all the Coverage Forms and policiescovering on the same basis.

6. Premium Audit

a. The estimated premium for this CoverageForm is based on the exposures you told usyou would have when this policy began. Wewill compute the final premium due whenwe determine your actual exposures. Theestimated total premium will be creditedagainst the final premium due and the firstNamed Insured will be billed for the bal-ance, if any. The due date for the final pre-mium or retrospective premium is the dateshown as the due date on the bill. If the es-timated total premium exceeds the finalpremium due, the first Named Insured willget a refund.

b. If this policy is issued for more than oneyear, the premium for this Coverage Formwill be computed annually based on ourrates or premiums in effect at the beginningof each year of the policy.

7. Policy Period, Coverage Territory

Under this Coverage Form, we cover "acci-dents" and "losses" occurring:

a. During the policy period shown in the Decla-rations; and

b. Within the coverage territory.

The coverage territory is:

a. The United States of America;

b. The territories and possessions of theUnited States of America;

c. Puerto Rico;

d. Canada; and

e. Anywhere in the world if:

(1) A covered "auto" of the private passen-ger type is leased, hired, rented or bor-rowed without a driver for a period of 30days or less; and

(2) The "insured's" responsibility to paydamages is determined in a "suit" on themerits, in the United States of America,the territories and possessions of theUnited States of America, Puerto Rico,or Canada or in a settlement we agreeto.

We also cover "loss" to, or "accidents" involv-ing, a covered "auto" while being transportedbetween any of these places.

8. Two Or More Coverage Forms Or PoliciesIssued By Us

If this Coverage Form and any other CoverageForm or policy issued to you by us or any com-pany affiliated with us apply to the same "acci-dent", the aggregate maximum Limit of Insur-ance under all the Coverage Forms or policiesshall not exceed the highest applicable Limit ofInsurance under any one Coverage Form orpolicy. This condition does not apply to anyCoverage Form or policy issued by us or an af-filiated company specifically to apply as excessinsurance over this Coverage Form.

SECTION V – DEFINITIONS

A. "Accident" includes continuous or repeated expo-sure to the same conditions resulting in "bodily in-jury" or "property damage".

B. "Auto" means a land motor vehicle, "trailer" orsemitrailer designed for travel on public roads butdoes not include "mobile equipment".

C. "Bodily injury" means bodily injury, sickness or dis-ease sustained by a person including death re-sulting from any of these.

D. "Covered pollution cost or expense" means anycost or expense arising out of:

1. Any request, demand, order or statutory orregulatory requirement; or

2. Any claim or "suit" by or on behalf of a govern-mental authority demanding

that the "insured" or others test for, monitor, cleanup, remove, contain, treat, detoxify or neutralize, orin any way respond to, or assess the effects of"pollutants".

"Covered pollution cost or expense" does not in-clude any cost or expense arising out of the actual,alleged or threatened discharge, dispersal, seep-age, migration, release or escape of "pollutants":

a. That are, or that are contained in any prop-erty that is:

(1) Being transported or towed by, handled,or handled for movement into, onto orfrom the covered "auto";

(2) Otherwise in the course of transit by oron behalf of the "insured";

(3) Being stored, disposed of, treated orprocessed in or upon the covered "auto";


b. Before the "pollutants" or any property inwhich the "pollutants" are contained aremoved from the place where they are ac-cepted by the "insured" for movement intoor onto the covered "auto"; or

c. After the "pollutants" or any property inwhich the "pollutants" are contained aremoved from the covered "auto" to the placewhere they are finally delivered, disposed ofor abandoned by the "insured".

Paragraph a. above does not apply to fuels,lubricants, fluids, exhaust gases or othersimilar "pollutants" that are needed for orresult from the normal electrical, hydraulicor mechanical functioning of the covered"auto" or its parts, if:

(1) The "pollutants" escape, seep, migrate,or are discharged, dispersed or releaseddirectly from an "auto" part designed byits manufacturer to hold, store, receiveor dispose of such "pollutants"; and

(2) The "bodily injury", "property damage" or"covered pollution cost or expense" doesnot arise out of the operation of anyequipment listed in Paragraphs 6.b. or6.c. of the definition of "mobile equip-ment".

Paragraphs b. and c. above do not apply to"accidents" that occur away from premisesowned by or rented to an "insured" with re-spect to "pollutants" not in or upon a cov-ered "auto" if:

(1) The "pollutants" or any property in whichthe "pollutants" are contained are upset,overturned or damaged as a result of themaintenance or use of a covered "auto";and

(2) The discharge, dispersal, seepage, mi-gration, release or escape of the "pollut-ants" is caused directly by such upset,overturn or damage.

E. "Diminution in value" means the actual or per-ceived loss in market value or resale value whichresults from a direct and accidental "loss".

F. "Employee" includes a "leased worker". "Em-ployee" does not include a "temporary worker".

G. "Insured" means any person or organization quali-fying as an insured in the Who Is An Insured provi-sion of the applicable coverage. Except with re-spect to the Limit of Insurance, the coverage af-forded applies separately to each insured who isseeking coverage or against whom a claim or"suit" is brought.

H. "Insured contract" means:

1. A lease of premises;

2. A sidetrack agreement;

3. Any easement or license agreement, except inconnection with construction or demolition op-erations on or within 50 feet of a railroad;

4. An obligation, as required by ordinance, to in-demnify a municipality, except in connectionwith work for a municipality;

5. That part of any other contract or agreementpertaining to your business (including an in-demnification of a municipality in connectionwith work performed for a municipality) underwhich you assume the tort liability of another topay for "bodily injury" or "property damage" to athird party or organization. Tort liability means aliability that would be imposed by law in the ab-sence of any contract or agreement;

6. That part of any contract or agreement enteredinto, as part of your business, pertaining to therental or lease, by you or any of your "employ-ees", of any "auto". However, such contract oragreement shall not be considered an "insuredcontract" to the extent that it obligates you orany of your "employees" to pay for "propertydamage" to any "auto" rented or leased by youor any of your "employees".

An "insured contract" does not include that partof any contract or agreement:

a. That indemnifies a railroad for "bodily injury"or "property damage" arising out of con-struction or demolition operations, within 50feet of any railroad property and affectingany railroad bridge or trestle, tracks, road-beds, tunnel, underpass or crossing; or

b. That pertains to the loan, lease or rental ofan "auto" to you or any of your "employees",if the "auto" is loaned, leased or rented witha driver; or

c. That holds a person or organization en-gaged in the business of transporting prop-erty by "auto" for hire harmless for your useof a covered "auto" over a route or territorythat person or organization is authorized toserve by public authority.

I. "Leased worker" means a person leased to you bya labor leasing firm under an agreement betweenyou and the labor leasing firm, to perform dutiesrelated to the conduct of your business. "Leasedworker" does not include a "temporary worker".

J. "Loss" means direct and accidental loss or dam-age.


K. "Mobile equipment" means any of the followingtypes of land vehicles, including any attached ma-chinery or equipment:

1. Bulldozers, farm machinery, forklifts and othervehicles designed for use principally off publicroads;

2. Vehicles maintained for use solely on or next topremises you own or rent;

3. Vehicles that travel on crawler treads;

4. Vehicles, whether self-propelled or not, main-tained primarily to provide mobility to perma-nently mounted:

a. Power cranes, shovels, loaders, diggers ordrills; or

b. Road construction or resurfacing equipmentsuch as graders, scrapers or rollers.

5. Vehicles not described in Paragraphs 1., 2., 3.,or 4. above that are not self-propelled and aremaintained primarily to provide mobility to per-manently attached equipment of the followingtypes:

a. Air compressors, pumps and generators,including spraying, welding, building clean-ing, geophysical exploration, lighting andwell servicing equipment; or

b. Cherry pickers and similar devices used toraise or lower workers.

6. Vehicles not described in Paragraphs 1., 2., 3.or 4. above maintained primarily for purposesother than the transportation of persons orcargo. However, self-propelled vehicles withthe following types of permanently attachedequipment are not "mobile equipment" but willbe considered "autos":

a. Equipment designed primarily for:

(1) Snow removal;

(2) Road maintenance, but not constructionor resurfacing; or

(3) Street cleaning;

b. Cherry pickers and similar devices mountedon automobile or truck chassis and used toraise or lower workers; and

c. Air compressors, pumps and generators,including spraying, welding, building clean-ing, geophysical exploration, lighting or wellservicing equipment.

L. "Pollutants" means any solid, liquid, gaseous orthermal irritant or contaminant, including smoke,vapor, soot, fumes, acids, alkalis, chemicals andwaste. Waste includes materials to be recycled,reconditioned or reclaimed.

M. "Property damage" means damage to or loss ofuse of tangible property.

N. "Suit" means a civil proceeding in which:

1. Damages because of "bodily injury" or "prop-erty damage"; or

2. A "covered pollution cost or expense",

to which this insurance applies, are alleged.

"Suit" includes:

a. An arbitration proceeding in which suchdamages or "covered pollution costs or ex-penses" are claimed and to which the "in-sured" must submit or does submit with ourconsent; or

b. Any other alternative dispute resolution pro-ceeding in which such damages or "coveredpollution costs or expenses" are claimedand to which the insured submits with ourconsent.

O. "Temporary worker" means a person who is fur-nished to you to substitute for a permanent "em-ployee" on leave or to meet seasonal or short-termworkload conditions.

P. "Trailer" includes semitrailer.

COMMERCIAL AUTOCA 01 07 10 97


CA 01 07 10 97 Copyright, Insurance Services Office, Inc., 1997 Page 1 of 1 ��

CONNECTICUT CHANGES


BUSINESS AUTO COVERAGE FORMGARAGE COVERAGE FORMMOTOR CARRIER COVERAGE FORMTRUCKERS COVERAGE FORM

With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modi-fied by the endorsement.

For a covered "auto" licensed or principally garaged in, or garage operations conducted in Connecticut, the policyis changed as follows:

A. Changes In Liability Coverage

1. The following is added to Who Is An Insured:

If you are an individual, your "family member" isan "insured" while using any covered "auto" youown.

2. Coverage Extensions is amended as follows:

a. Paragraph a.(2) of Supplementary Pay-ments is replaced by the following:

(2) We will pay for the "insured" up to $250for cost of bail bonds (including bondsfor related traffic law violations). We donot have to furnish these bonds.

b. Supplementary Payments is amended bythe addition of the following:

(7) We will pay all expenses incurred by an"insured" for first aid to others at the timeof an "accident".

(8) At your request we will issue (or arrangefor the issuance of) a bond to releaseattachments. The amount of the bondwill not exceed the limit of liability statedin the policy.

3. The Fellow Employee exclusion is replaced bythe following:

"Bodily injury" to any fellow "employee" of the"insured" arising out of and in the course of thefellow "employee's" employment or while per-forming duties related to the conduct of yourbusiness. However, we will cover "bodily injury"caused by your "employee" to his fellow "em-ployee".

4. The Care, Custody Or Control exclusion doesnot apply to "property damage" to a residenceor private garage caused by a covered "auto" ofthe private passenger type.

B. Changes In Conditions

Other Insurance is changed as follows:

a. If you are other than an "auto" dealer orrepairer, Liability Coverage applies to and isprimary for any temporary substitute for an"auto" you own if the substitute "auto" is op-erated by an "insured" and owned by an"auto" dealer or repairer.

b. If you are an "auto" dealer or repairer, Li-ability Coverage is excess for an "auto" youown if operated by a customer to whom youhave loaned the "auto".

C. Changes In Auto Medical Payments Coverage

Exclusion C.8. does not apply.


CG 00 01 12 07 © ISO Properties, Inc., 2006

COMMERCIAL GENERAL LIABILITY COVERAGE FORM

Various provisions in this policy restrict coverage.Read the entire policy carefully to determine rights,duties and what is and is not covered.

Throughout this policy the words "you" and "your"refer to the Named Insured shown in the Declarations,and any other person or organization qualifying as aNamed Insured under this policy. The words "we","us" and "our" refer to the company providing thisinsurance.

The word "insured" means any person or organizationqualifying as such under Section II – Who Is An In-sured.

Other words and phrases that appear in quotationmarks have special meaning. Refer to Section V –Definitions.

SECTION I – COVERAGES

COVERAGE A BODILY INJURY AND PROPERTYDAMAGE LIABILITY

1. Insuring Agreement

a. We will pay those sums that the insured be-comes legally obligated to pay as damagesbecause of "bodily injury" or "property damage"to which this insurance applies. We will havethe right and duty to defend the insured againstany "suit" seeking those damages. However,we will have no duty to defend the insuredagainst any "suit" seeking damages for "bodilyinjury" or "property damage" to which this in-surance does not apply. We may, at our discre-tion, investigate any "occurrence" and settleany claim or "suit" that may result. But:

(1) The amount we will pay for damages islimited as described in Section III – LimitsOf Insurance; and

(2) Our right and duty to defend ends when wehave used up the applicable limit of insur-ance in the payment of judgments or set-tlements under Coverages A or B or medi-cal expenses under Coverage C.

No other obligation or liability to pay sums orperform acts or services is covered unless ex-plicitly provided for under Supplementary Pay-ments – Coverages A and B.

b. This insurance applies to "bodily injury" and"property damage" only if:

(1) The "bodily injury" or "property damage" iscaused by an "occurrence" that takes placein the "coverage territory";

(2) The "bodily injury" or "property damage"occurs during the policy period; and

(3) Prior to the policy period, no insured listedunder Paragraph 1. of Section II – Who IsAn Insured and no "employee" authorizedby you to give or receive notice of an "oc-currence" or claim, knew that the "bodily in-jury" or "property damage" had occurred, inwhole or in part. If such a listed insured orauthorized "employee" knew, prior to thepolicy period, that the "bodily injury" or"property damage" occurred, then any con-tinuation, change or resumption of such"bodily injury" or "property damage" duringor after the policy period will be deemed tohave been known prior to the policy period.

c. "Bodily injury" or "property damage" whichoccurs during the policy period and was not,prior to the policy period, known to have oc-curred by any insured listed under Paragraph1. of Section II – Who Is An Insured or any"employee" authorized by you to give or re-ceive notice of an "occurrence" or claim, in-cludes any continuation, change or resumptionof that "bodily injury" or "property damage" af-ter the end of the policy period.

d. "Bodily injury" or "property damage" will bedeemed to have been known to have occurredat the earliest time when any insured listed un-der Paragraph 1. of Section II – Who Is An In-sured or any "employee" authorized by you togive or receive notice of an "occurrence" orclaim:

(1) Reports all, or any part, of the "bodily injury"or "property damage" to us or any other in-surer;

(2) Receives a written or verbal demand orclaim for damages because of the "bodilyinjury" or "property damage"; or

(3) Becomes aware by any other means that"bodily injury" or "property damage" has oc-curred or has begun to occur.

Page 1 of 16

© ISO Properties, Inc., 2006 CG 00 01 12 07 ��

e. Damages because of "bodily injury" includedamages claimed by any person or organiza-tion for care, loss of services or death resultingat any time from the "bodily injury".

2. Exclusions


a. Expected Or Intended Injury

"Bodily injury" or "property damage" expectedor intended from the standpoint of the insured.This exclusion does not apply to "bodily injury"resulting from the use of reasonable force toprotect persons or property.

b. Contractual Liability

"Bodily injury" or "property damage" for whichthe insured is obligated to pay damages byreason of the assumption of liability in a con-tract or agreement. This exclusion does notapply to liability for damages:

(1) That the insured would have in the absenceof the contract or agreement; or

(2) Assumed in a contract or agreement that isan "insured contract", provided the "bodilyinjury" or "property damage" occurs subse-quent to the execution of the contract oragreement. Solely for the purposes of liabil-ity assumed in an "insured contract", rea-sonable attorney fees and necessary litiga-tion expenses incurred by or for a partyother than an insured are deemed to bedamages because of "bodily injury" or"property damage", provided:

(a) Liability to such party for, or for the costof, that party's defense has also beenassumed in the same "insured contract";and

(b) Such attorney fees and litigation ex-penses are for defense of that partyagainst a civil or alternative dispute reso-lution proceeding in which damages towhich this insurance applies are alleged.

Page 2 of 16

c. Liquor Liability

"Bodily injury" or "property damage" for whichany insured may be held liable by reason of:

(1) Causing or contributing to the intoxication ofany person;

(2) The furnishing of alcoholic beverages to aperson under the legal drinking age or un-der the influence of alcohol; or

(3) Any statute, ordinance or regulation relatingto the sale, gift, distribution or use of alco-holic beverages.

This exclusion applies only if you are in thebusiness of manufacturing, distributing, selling,serving or furnishing alcoholic beverages.

d. Workers' Compensation And Similar Laws

Any obligation of the insured under a workers'compensation, disability benefits or unem-ployment compensation law or any similar law.

e. Employer's Liability

"Bodily injury" to:

(1) An "employee" of the insured arising out ofand in the course of:

(a) Employment by the insured; or

(b) Performing duties related to the conductof the insured's business; or

(2) The spouse, child, parent, brother or sisterof that "employee" as a consequence ofParagraph (1) above.

This exclusion applies whether the insuredmay be liable as an employer or in any othercapacity and to any obligation to share dam-ages with or repay someone else who mustpay damages because of the injury.

This exclusion does not apply to liability as-sumed by the insured under an "insured con-tract".


f. Pollution

(1) "Bodily injury" or "property damage" arisingout of the actual, alleged or threatened dis-charge, dispersal, seepage, migration, re-lease or escape of "pollutants":

(a) At or from any premises, site or locationwhich is or was at any time owned oroccupied by, or rented or loaned to, anyinsured. However, this subparagraphdoes not apply to:

(i) "Bodily injury" if sustained within abuilding and caused by smoke,fumes, vapor or soot produced by ororiginating from equipment that isused to heat, cool or dehumidify thebuilding, or equipment that is used toheat water for personal use, by thebuilding's occupants or their guests;

(ii) "Bodily injury" or "property damage"for which you may be held liable, ifyou are a contractor and the owneror lessee of such premises, site orlocation has been added to your pol-icy as an additional insured with re-spect to your ongoing operationsperformed for that additional insuredat that premises, site or location andsuch premises, site or location is notand never was owned or occupiedby, or rented or loaned to, any in-sured, other than that additional in-sured; or

(iii) "Bodily injury" or "property damage"arising out of heat, smoke or fumesfrom a "hostile fire";

(b) At or from any premises, site or locationwhich is or was at any time used by orfor any insured or others for the han-dling, storage, disposal, processing ortreatment of waste;

(c) Which are or were at any time trans-ported, handled, stored, treated, dis-posed of, or processed as waste by orfor:

(i) Any insured; or

(ii) Any person or organization for whomyou may be legally responsible; or

(d) At or from any premises, site or locationon which any insured or any contractorsor subcontractors working directly or in-directly on any insured's behalf are per-forming operations if the "pollutants" arebrought on or to the premises, site or lo-cation in connection with such opera-tions by such insured, contractor or sub-contractor. However, this subparagraphdoes not apply to:

(i) "Bodily injury" or "property damage"arising out of the escape of fuels, lu-bricants or other operating fluidswhich are needed to perform thenormal electrical, hydraulic or me-chanical functions necessary for theoperation of "mobile equipment" orits parts, if such fuels, lubricants orother operating fluids escape from avehicle part designed to hold, storeor receive them. This exception doesnot apply if the "bodily injury" or"property damage" arises out of theintentional discharge, dispersal or re-lease of the fuels, lubricants or otheroperating fluids, or if such fuels, lu-bricants or other operating fluids arebrought on or to the premises, site orlocation with the intent that they bedischarged, dispersed or released aspart of the operations being per-formed by such insured, contractoror subcontractor;

(ii) "Bodily injury" or "property damage"sustained within a building andcaused by the release of gases,fumes or vapors from materialsbrought into that building in connec-tion with operations being performedby you or on your behalf by a con-tractor or subcontractor; or

(iii) "Bodily injury" or "property damage"arising out of heat, smoke or fumesfrom a "hostile fire".

(e) At or from any premises, site or locationon which any insured or any contractorsor subcontractors working directly or in-directly on any insured's behalf are per-forming operations if the operations areto test for, monitor, clean up, remove,contain, treat, detoxify or neutralize, orin any way respond to, or assess the ef-fects of, "pollutants".

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(2) Any loss, cost or expense arising out ofany:

(a) Request, demand, order or statutory orregulatory requirement that any insuredor others test for, monitor, clean up, re-move, contain, treat, detoxify or neutral-ize, or in any way respond to, or assessthe effects of, "pollutants"; or

(b) Claim or "suit" by or on behalf of a gov-ernmental authority for damages be-cause of testing for, monitoring, cleaningup, removing, containing, treating, de-toxifying or neutralizing, or in any wayresponding to, or assessing the effectsof, "pollutants".

However, this paragraph does not apply toliability for damages because of "propertydamage" that the insured would have in theabsence of such request, demand, order orstatutory or regulatory requirement, or suchclaim or "suit" by or on behalf of a govern-mental authority.

g. Aircraft, Auto Or Watercraft

"Bodily injury" or "property damage" arising outof the ownership, maintenance, use or en-trustment to others of any aircraft, "auto" or wa-tercraft owned or operated by or rented orloaned to any insured. Use includes operationand "loading or unloading".

This exclusion applies even if the claimsagainst any insured allege negligence or otherwrongdoing in the supervision, hiring, employ-ment, training or monitoring of others by thatinsured, if the "occurrence" which caused the"bodily injury" or "property damage" involvedthe ownership, maintenance, use or entrust-ment to others of any aircraft, "auto" or water-craft that is owned or operated by or rented orloaned to any insured.

This exclusion does not apply to:

(1) A watercraft while ashore on premises youown or rent;

(2) A watercraft you do not own that is:

(a) Less than 26 feet long; and

(b) Not being used to carry persons orproperty for a charge;

(3) Parking an "auto" on, or on the ways nextto, premises you own or rent, provided the"auto" is not owned by or rented or loanedto you or the insured;

(4) Liability assumed under any "insured con-tract" for the ownership, maintenance oruse of aircraft or watercraft; or

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(5) "Bodily injury" or "property damage" arisingout of:

(a) The operation of machinery or equip-ment that is attached to, or part of, aland vehicle that would qualify under thedefinition of "mobile equipment" if it werenot subject to a compulsory or financialresponsibility law or other motor vehicleinsurance law in the state where it is li-censed or principally garaged; or

(b) the operation of any of the machinery orequipment listed in Paragraph f.(2) orf.(3) of the definition of "mobile equip-ment".

h. Mobile Equipment

"Bodily injury" or "property damage" arising outof:

(1) The transportation of "mobile equipment" byan "auto" owned or operated by or rented orloaned to any insured; or

(2) The use of "mobile equipment" in, or whilein practice for, or while being prepared for,any prearranged racing, speed, demolition,or stunting activity.

i. War

"Bodily injury" or "property damage", howevercaused, arising, directly or indirectly, out of:


(2) Warlike action by a military force, includingaction in hindering or defending against anactual or expected attack, by any govern-ment, sovereign or other authority usingmilitary personnel or other agents; or

(3) Insurrection, rebellion, revolution, usurpedpower, or action taken by governmental au-thority in hindering or defending against anyof these.

j. Damage To Property

"Property damage" to:

(1) Property you own, rent, or occupy, includingany costs or expenses incurred by you, orany other person, organization or entity, forrepair, replacement, enhancement, restora-tion or maintenance of such property forany reason, including prevention of injury toa person or damage to another's property;

(2) Premises you sell, give away or abandon, ifthe "property damage" arises out of anypart of those premises;

(3) Property loaned to you;

(4) Personal property in the care, custody orcontrol of the insured;


(5) That particular part of real property onwhich you or any contractors or subcon-tractors working directly or indirectly onyour behalf are performing operations, if the"property damage" arises out of those op-erations; or

(6) That particular part of any property thatmust be restored, repaired or replaced be-cause "your work" was incorrectly per-formed on it.

Paragraphs (1), (3) and (4) of this exclusion donot apply to "property damage" (other thandamage by fire) to premises, including the con-tents of such premises, rented to you for a pe-riod of 7 or fewer consecutive days. A separatelimit of insurance applies to Damage To Prem-ises Rented To You as described in Section III– Limits Of Insurance.

Paragraph (2) of this exclusion does not applyif the premises are "your work" and were neveroccupied, rented or held for rental by you.

Paragraphs (3), (4), (5) and (6) of this exclu-sion do not apply to liability assumed under asidetrack agreement.

Paragraph (6) of this exclusion does not applyto "property damage" included in the "products-completed operations hazard".

k. Damage To Your Product

"Property damage" to "your product" arising outof it or any part of it.

l. Damage To Your Work

"Property damage" to "your work" arising out ofit or any part of it and included in the "products-completed operations hazard".

This exclusion does not apply if the damagedwork or the work out of which the damagearises was performed on your behalf by a sub-contractor.

m. Damage To Impaired Property Or PropertyNot Physically Injured

"Property damage" to "impaired property" orproperty that has not been physically injured,arising out of:

(1) A defect, deficiency, inadequacy or danger-ous condition in "your product" or "yourwork"; or

(2) A delay or failure by you or anyone actingon your behalf to perform a contract oragreement in accordance with its terms.

This exclusion does not apply to the loss of useof other property arising out of sudden and ac-cidental physical injury to "your product" or"your work" after it has been put to its intendeduse.

n. Recall Of Products, Work Or ImpairedProperty

Damages claimed for any loss, cost or ex-pense incurred by you or others for the loss ofuse, withdrawal, recall, inspection, repair, re-placement, adjustment, removal or disposal of:

(1) "Your product";

(2) "Your work"; or

(3) "Impaired property";

if such product, work, or property is withdrawnor recalled from the market or from use by anyperson or organization because of a known orsuspected defect, deficiency, inadequacy ordangerous condition in it.

o. Personal And Advertising Injury

"Bodily injury" arising out of "personal and ad-vertising injury".

p. Electronic Data

Damages arising out of the loss of, loss of useof, damage to, corruption of, inability to access,or inability to manipulate electronic data.

As used in this exclusion, electronic datameans information, facts or programs stored asor on, created or used on, or transmitted to orfrom computer software, including systems andapplications software, hard or floppy disks, CD-ROMS, tapes, drives, cells, data processingdevices or any other media which are usedwith electronically controlled equipment.

q. Distribution Of Material In Violation OfStatutes

"Bodily injury" or "property damage" arising di-rectly or indirectly out of any action or omissionthat violates or is alleged to violate:

(1) The Telephone Consumer Protection Act(TCPA), including any amendment of oraddition to such law; or

(2) The CAN-SPAM Act of 2003, including anyamendment of or addition to such law; or

(3) Any statute, ordinance or regulation, otherthan the TCPA or CAN-SPAM Act of 2003,that prohibits or limits the sending, transmit-ting, communicating or distribution of mate-rial or information.

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Exclusions c. through n. do not apply to damageby fire to premises while rented to you or tempo-rarily occupied by you with permission of theowner. A separate limit of insurance applies to thiscoverage as described in Section III – Limits OfInsurance.

COVERAGE B PERSONAL AND ADVERTISINGINJURY LIABILITY


a. We will pay those sums that the insured be-comes legally obligated to pay as damagesbecause of "personal and advertising injury" towhich this insurance applies. We will have theright and duty to defend the insured againstany "suit" seeking those damages. However,we will have no duty to defend the insuredagainst any "suit" seeking damages for "per-sonal and advertising injury" to which this in-surance does not apply. We may, at our discre-tion, investigate any offense and settle anyclaim or "suit" that may result. But:

(1) The amount we will pay for damages islimited as described in Section III – LimitsOf Insurance; and

(2) Our right and duty to defend end when wehave used up the applicable limit of insur-ance in the payment of judgments or set-tlements under Coverages A or B or medi-cal expenses under Coverage C.

No other obligation or liability to pay sums orperform acts or services is covered unless ex-plicitly provided for under Supplementary Pay-ments – Coverages A and B.

b. This insurance applies to "personal and adver-tising injury" caused by an offense arising outof your business but only if the offense wascommitted in the "coverage territory" during thepolicy period.

2. Exclusions


a. Knowing Violation Of Rights Of Another

"Personal and advertising injury" caused by orat the direction of the insured with the knowl-edge that the act would violate the rights of an-other and would inflict "personal and advertis-ing injury".

b. Material Published With Knowledge OfFalsity

"Personal and advertising injury" arising out oforal or written publication of material, if done byor at the direction of the insured with knowl-edge of its falsity.

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c. Material Published Prior To Policy Period

"Personal and advertising injury" arising out oforal or written publication of material whosefirst publication took place before the beginningof the policy period.

d. Criminal Acts

"Personal and advertising injury" arising out ofa criminal act committed by or at the directionof the insured.

e. Contractual Liability

"Personal and advertising injury" for which theinsured has assumed liability in a contract oragreement. This exclusion does not apply to li-ability for damages that the insured would havein the absence of the contract or agreement.

f. Breach Of Contract

"Personal and advertising injury" arising out ofa breach of contract, except an implied con-tract to use another's advertising idea in your"advertisement".

g. Quality Or Performance Of Goods – FailureTo Conform To Statements

"Personal and advertising injury" arising out ofthe failure of goods, products or services toconform with any statement of quality or per-formance made in your "advertisement".

h. Wrong Description Of Prices

"Personal and advertising injury" arising out ofthe wrong description of the price of goods,products or services stated in your "advertise-ment".

i. Infringement Of Copyright, Patent,Trademark Or Trade Secret

"Personal and advertising injury" arising out ofthe infringement of copyright, patent, trade-mark, trade secret or other intellectual propertyrights. Under this exclusion, such other intellec-tual property rights do not include the use ofanother's advertising idea in your "advertise-ment".

However, this exclusion does not apply to in-fringement, in your "advertisement", of copy-right, trade dress or slogan.

j. Insureds In Media And Internet TypeBusinesses

"Personal and advertising injury" committed byan insured whose business is:

(1) Advertising, broadcasting, publishing ortelecasting;

(2) Designing or determining content of web-sites for others; or


(3) An Internet search, access, content orservice provider.

However, this exclusion does not apply toParagraphs 14.a., b. and c. of "personal andadvertising injury" under the Definitions Sec-tion.

For the purposes of this exclusion, the placingof frames, borders or links, or advertising, foryou or others anywhere on the Internet, is notby itself, considered the business of advertis-ing, broadcasting, publishing or telecasting.

k. Electronic Chatrooms Or Bulletin Boards

"Personal and advertising injury" arising out ofan electronic chatroom or bulletin board the in-sured hosts, owns, or over which the insuredexercises control.

l. Unauthorized Use Of Another's Name OrProduct

"Personal and advertising injury" arising out ofthe unauthorized use of another's name orproduct in your e-mail address, domain nameor metatag, or any other similar tactics to mis-lead another's potential customers.

m. Pollution

"Personal and advertising injury" arising out ofthe actual, alleged or threatened discharge,dispersal, seepage, migration, release or es-cape of "pollutants" at any time.

n. Pollution-Related

Any loss, cost or expense arising out of any:

(1) Request, demand, order or statutory orregulatory requirement that any insured orothers test for, monitor, clean up, remove,contain, treat, detoxify or neutralize, or inany way respond to, or assess the effectsof, "pollutants"; or

(2) Claim or suit by or on behalf of a govern-mental authority for damages because oftesting for, monitoring, cleaning up, remov-ing, containing, treating, detoxifying or neu-tralizing, or in any way responding to, orassessing the effects of, "pollutants".

o. War

"Personal and advertising injury", howevercaused, arising, directly or indirectly, out of:


(2) Warlike action by a military force, includingaction in hindering or defending against anactual or expected attack, by any govern-ment, sovereign or other authority usingmilitary personnel or other agents; or

(3) Insurrection, rebellion, revolution, usurpedpower, or action taken by governmentalauthority in hindering or defending againstany of these.

p. Distribution Of Material In Violation OfStatutes

"Personal and advertising injury" arising di-rectly or indirectly out of any action or omissionthat violates or is alleged to violate:

(1) The Telephone Consumer Protection Act(TCPA), including any amendment of oraddition to such law; or

(2) The CAN-SPAM Act of 2003, including anyamendment of or addition to such law; or

(3) Any statute, ordinance or regulation, otherthan the TCPA or CAN-SPAM Act of 2003,that prohibits or limits the sending, transmit-ting, communicating or distribution of mate-rial or information.

COVERAGE C MEDICAL PAYMENTS


a. We will pay medical expenses as describedbelow for "bodily injury" caused by an accident:

(1) On premises you own or rent;

(2) On ways next to premises you own or rent;or

(3) Because of your operations;

provided that:

(a) The accident takes place in the "cover-age territory" and during the policy pe-riod;

(b) The expenses are incurred and reportedto us within one year of the date of theaccident; and

(c) The injured person submits to examina-tion, at our expense, by physicians ofour choice as often as we reasonablyrequire.

b. We will make these payments regardless offault. These payments will not exceed the ap-plicable limit of insurance. We will pay reason-able expenses for:

(1) First aid administered at the time of anaccident;

(2) Necessary medical, surgical, x-ray anddental services, including prosthetic de-vices; and

(3) Necessary ambulance, hospital, profes-sional nursing and funeral services.

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2. Exclusions

We will not pay expenses for "bodily injury":

a. Any Insured

To any insured, except "volunteer workers".

b. Hired Person

To a person hired to do work for or on behalf ofany insured or a tenant of any insured.

c. Injury On Normally Occupied Premises

To a person injured on that part of premisesyou own or rent that the person normally occu-pies.

d. Workers Compensation And Similar Laws

To a person, whether or not an "employee" ofany insured, if benefits for the "bodily injury"are payable or must be provided under a work-ers' compensation or disability benefits law or asimilar law.

e. Athletics Activities

To a person injured while practicing, instructingor participating in any physical exercises orgames, sports, or athletic contests.

f. Products-Completed Operations Hazard

Included within the "products-completed opera-tions hazard".

g. Coverage A Exclusions

Excluded under Coverage A.

SUPPLEMENTARY PAYMENTS – COVERAGES AAND B

1. We will pay, with respect to any claim we investi-gate or settle, or any "suit" against an insured wedefend:

a. All expenses we incur.

b. Up to $250 for cost of bail bonds requiredbecause of accidents or traffic law violationsarising out of the use of any vehicle to whichthe Bodily Injury Liability Coverage applies. Wedo not have to furnish these bonds.

c. The cost of bonds to release attachments, butonly for bond amounts within the applicablelimit of insurance. We do not have to furnishthese bonds.

d. All reasonable expenses incurred by the in-sured at our request to assist us in the investi-gation or defense of the claim or "suit", includ-ing actual loss of earnings up to $250 a daybecause of time off from work.

e. All court costs taxed against the insured in the"suit". However, these payments do not includeattorneys' fees or attorneys' expenses taxedagainst the insured.

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f. Prejudgment interest awarded against theinsured on that part of the judgment we pay. Ifwe make an offer to pay the applicable limit ofinsurance, we will not pay any prejudgmentinterest based on that period of time after theoffer.

g. All interest on the full amount of any judgmentthat accrues after entry of the judgment andbefore we have paid, offered to pay, or depos-ited in court the part of the judgment that iswithin the applicable limit of insurance.

These payments will not reduce the limits of insur-ance.

2. If we defend an insured against a "suit" and anindemnitee of the insured is also named as a partyto the "suit", we will defend that indemnitee if all ofthe following conditions are met:

a. The "suit" against the indemnitee seeks dam-ages for which the insured has assumed the li-ability of the indemnitee in a contract or agree-ment that is an "insured contract";

b. This insurance applies to such liability as-sumed by the insured;

c. The obligation to defend, or the cost of thedefense of, that indemnitee, has also been as-sumed by the insured in the same "insuredcontract";

d. The allegations in the "suit" and the informationwe know about the "occurrence" are such thatno conflict appears to exist between the inter-ests of the insured and the interests of the in-demnitee;

e. The indemnitee and the insured ask us toconduct and control the defense of that indem-nitee against such "suit" and agree that we canassign the same counsel to defend the insuredand the indemnitee; and

f. The indemnitee:

(1) Agrees in writing to:

(a) Cooperate with us in the investigation,settlement or defense of the "suit";

(b) Immediately send us copies of any de-mands, notices, summonses or legalpapers received in connection with the"suit";

(c) Notify any other insurer whose coverageis available to the indemnitee; and

(d) Cooperate with us with respect to coor-dinating other applicable insuranceavailable to the indemnitee; and

(2) Provides us with written authorization to:

(a) Obtain records and other informationrelated to the "suit"; and


(b) Conduct and control the defense of theindemnitee in such "suit".

So long as the above conditions are met, attor-neys' fees incurred by us in the defense of that in-demnitee, necessary litigation expenses incurredby us and necessary litigation expenses incurredby the indemnitee at our request will be paid asSupplementary Payments. Notwithstanding theprovisions of Paragraph 2.b.(2) of Section I – Cov-erage A – Bodily Injury And Property Damage Li-ability, such payments will not be deemed to bedamages for "bodily injury" and "property damage"and will not reduce the limits of insurance.

Our obligation to defend an insured's indemniteeand to pay for attorneys' fees and necessary litiga-tion expenses as Supplementary Payments endswhen we have used up the applicable limit of in-surance in the payment of judgments or settle-ments or the conditions set forth above, or theterms of the agreement described in Paragraph f.above, are no longer met.

SECTION II – WHO IS AN INSURED

1. If you are designated in the Declarations as:

a. An individual, you and your spouse are insur-eds, but only with respect to the conduct of abusiness of which you are the sole owner.

b. A partnership or joint venture, you are an in-sured. Your members, your partners, and theirspouses are also insureds, but only with re-spect to the conduct of your business.

c. A limited liability company, you are an insured.Your members are also insureds, but only withrespect to the conduct of your business. Yourmanagers are insureds, but only with respectto their duties as your managers.

d. An organization other than a partnership, jointventure or limited liability company, you are aninsured. Your "executive officers" and directorsare insureds, but only with respect to their du-ties as your officers or directors. Your stock-holders are also insureds, but only with respectto their liability as stockholders.

e. A trust, you are an insured. Your trustees arealso insureds, but only with respect to their du-ties as trustees.

2. Each of the following is also an insured:

a. Your "volunteer workers" only while performingduties related to the conduct of your business,or your "employees", other than either your"executive officers" (if you are an organizationother than a partnership, joint venture or limitedliability company) or your managers (if you area limited liability company), but only for actswithin the scope of their employment by you orwhile performing duties related to the conductof your business. However, none of these "em-ployees" or "volunteer workers" are insuredsfor:

(1) "Bodily injury" or "personal and advertisinginjury":

(a) To you, to your partners or members (ifyou are a partnership or joint venture),to your members (if you are a limited li-ability company), to a co-"employee"while in the course of his or her em-ployment or performing duties related tothe conduct of your business, or to yourother "volunteer workers" while perform-ing duties related to the conduct of yourbusiness;

(b) To the spouse, child, parent, brother orsister of that co-"employee" or "volun-teer worker" as a consequence of Para-graph (1)(a) above;

(c) For which there is any obligation toshare damages with or repay someoneelse who must pay damages because ofthe injury described in Paragraphs (1)(a)or (b) above; or

(d) Arising out of his or her providing orfailing to provide professional healthcare services.

(2) "Property damage" to property:

(a) Owned, occupied or used by,

(b) Rented to, in the care, custody or con-trol of, or over which physical control isbeing exercised for any purpose by

you, any of your "employees", "volunteerworkers", any partner or member (if you area partnership or joint venture), or any mem-ber (if you are a limited liability company).

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b. Any person (other than your "employee" or"volunteer worker"), or any organization whileacting as your real estate manager.

c. Any person or organization having propertemporary custody of your property if you die,but only:

(1) With respect to liability arising out of themaintenance or use of that property; and

(2) Until your legal representative has beenappointed.

d. Your legal representative if you die, but onlywith respect to duties as such. That represen-tative will have all your rights and duties underthis Coverage Part.

3. Any organization you newly acquire or form, otherthan a partnership, joint venture or limited liabilitycompany, and over which you maintain ownershipor majority interest, will qualify as a Named In-sured if there is no other similar insurance avail-able to that organization. However:

a. Coverage under this provision is afforded onlyuntil the 90th day after you acquire or form theorganization or the end of the policy period,whichever is earlier;

b. Coverage A does not apply to "bodily injury" or"property damage" that occurred before youacquired or formed the organization; and

c. Coverage B does not apply to "personal andadvertising injury" arising out of an offensecommitted before you acquired or formed theorganization.

No person or organization is an insured with respectto the conduct of any current or past partnership, jointventure or limited liability company that is not shownas a Named Insured in the Declarations.

SECTION III – LIMITS OF INSURANCE

1. The Limits of Insurance shown in the Declarationsand the rules below fix the most we will pay re-gardless of the number of:

a. Insureds;

b. Claims made or "suits" brought; or

c. Persons or organizations making claims orbringing "suits".

2. The General Aggregate Limit is the most we willpay for the sum of:

a. Medical expenses under Coverage C;

b. Damages under Coverage A, except damagesbecause of "bodily injury" or "property damage"included in the "products-completed operationshazard"; and

c. Damages under Coverage B.

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3. The Products-Completed Operations AggregateLimit is the most we will pay under Coverage A fordamages because of "bodily injury" and "propertydamage" included in the "products-completed op-erations hazard".

4. Subject to Paragraph 2. above, the Personal andAdvertising Injury Limit is the most we will pay un-der Coverage B for the sum of all damages be-cause of all "personal and advertising injury" sus-tained by any one person or organization.

5. Subject to Paragraph 2. or 3. above, whichever ap-plies, the Each Occurrence Limit is the most wewill pay for the sum of:

a. Damages under Coverage A; and

b. Medical expenses under Coverage C

because of all "bodily injury" and "property dam-age" arising out of any one "occurrence".

6. Subject to Paragraph 5. above, the Damage ToPremises Rented To You Limit is the most we willpay under Coverage A for damages because of"property damage" to any one premises, whilerented to you, or in the case of damage by fire,while rented to you or temporarily occupied by youwith permission of the owner.

7. Subject to Paragraph 5. above, the Medical Ex-pense Limit is the most we will pay under Cover-age C for all medical expenses because of "bodilyinjury" sustained by any one person.

The Limits of Insurance of this Coverage Part applyseparately to each consecutive annual period and toany remaining period of less than 12 months, startingwith the beginning of the policy period shown in theDeclarations, unless the policy period is extendedafter issuance for an additional period of less than 12months. In that case, the additional period will bedeemed part of the last preceding period for purposesof determining the Limits of Insurance.

SECTION IV – COMMERCIAL GENERAL LIABILITYCONDITIONS

1. Bankruptcy

Bankruptcy or insolvency of the insured or of theinsured's estate will not relieve us of our obliga-tions under this Coverage Part.

2. Duties In The Event Of Occurrence, Offense,Claim Or Suit

a. You must see to it that we are notified as soonas practicable of an "occurrence" or an offensewhich may result in a claim. To the extent pos-sible, notice should include:

(1) How, when and where the "occurrence" oroffense took place;

(2) The names and addresses of any injuredpersons and witnesses; and


(3) The nature and location of any injury ordamage arising out of the "occurrence" oroffense.

b. If a claim is made or "suit" is brought againstany insured, you must:

(1) Immediately record the specifics of theclaim or "suit" and the date received; and

(2) Notify us as soon as practicable.

You must see to it that we receive written no-tice of the claim or "suit" as soon as practica-ble.

c. You and any other involved insured must:

(1) Immediately send us copies of any de-mands, notices, summonses or legal pa-pers received in connection with the claimor "suit";

(2) Authorize us to obtain records and otherinformation;

(3) Cooperate with us in the investigation orsettlement of the claim or defense againstthe "suit"; and

(4) Assist us, upon our request, in the en-forcement of any right against any personor organization which may be liable to theinsured because of injury or damage towhich this insurance may also apply.

d. No insured will, except at that insured's owncost, voluntarily make a payment, assume anyobligation, or incur any expense, other than forfirst aid, without our consent.

3. Legal Action Against Us

No person or organization has a right under thisCoverage Part:

a. To join us as a party or otherwise bring us intoa "suit" asking for damages from an insured; or

b. To sue us on this Coverage Part unless all ofits terms have been fully complied with.

A person or organization may sue us to recover onan agreed settlement or on a final judgmentagainst an insured; but we will not be liable fordamages that are not payable under the terms ofthis Coverage Part or that are in excess of the ap-plicable limit of insurance. An agreed settlementmeans a settlement and release of liability signedby us, the insured and the claimant or the claim-ant's legal representative.

4. Other Insurance

If other valid and collectible insurance is availableto the insured for a loss we cover under Cover-ages A or B of this Coverage Part, our obligationsare limited as follows:

a. Primary Insurance

This insurance is primary except when Para-graph b. below applies. If this insurance is pri-mary, our obligations are not affected unlessany of the other insurance is also primary.Then, we will share with all that other insur-ance by the method described in Paragraph c.below.

b. Excess Insurance

(1) This insurance is excess over:

(a) Any of the other insurance, whetherprimary, excess, contingent or on anyother basis:

(i) That is Fire, Extended Coverage,Builder's Risk, Installation Risk orsimilar coverage for "your work";

(ii) That is Fire insurance for premisesrented to you or temporarily occu-pied by you with permission of theowner;

(iii) That is insurance purchased by youto cover your liability as a tenant for"property damage" to premisesrented to you or temporarily occu-pied by you with permission of theowner; or

(iv) If the loss arises out of the mainte-nance or use of aircraft, "autos" orwatercraft to the extent not subject toExclusion g. of Section I – CoverageA – Bodily Injury And Property Dam-age Liability.

(b) Any other primary insurance available toyou covering liability for damages aris-ing out of the premises or operations, orthe products and completed operations,for which you have been added as anadditional insured by attachment of anendorsement.

(2) When this insurance is excess, we will haveno duty under Coverages A or B to defendthe insured against any "suit" if any otherinsurer has a duty to defend the insuredagainst that "suit". If no other insurer de-fends, we will undertake to do so, but wewill be entitled to the insured's rightsagainst all those other insurers.

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(3) When this insurance is excess over otherinsurance, we will pay only our share of theamount of the loss, if any, that exceeds thesum of:

(a) The total amount that all such otherinsurance would pay for the loss in theabsence of this insurance; and

(b) The total of all deductible and self-insured amounts under all that other in-surance.

(4) We will share the remaining loss, if any,with any other insurance that is not de-scribed in this Excess Insurance provisionand was not bought specifically to apply inexcess of the Limits of Insurance shown inthe Declarations of this Coverage Part.

c. Method Of Sharing

If all of the other insurance permits contributionby equal shares, we will follow this methodalso. Under this approach each insurer con-tributes equal amounts until it has paid its ap-plicable limit of insurance or none of the lossremains, whichever comes first.

If any of the other insurance does not permitcontribution by equal shares, we will contributeby limits. Under this method, each insurer'sshare is based on the ratio of its applicablelimit of insurance to the total applicable limits ofinsurance of all insurers.

5. Premium Audit

a. We will compute all premiums for this Cover-age Part in accordance with our rules andrates.

b. Premium shown in this Coverage Part as ad-vance premium is a deposit premium only. Atthe close of each audit period we will computethe earned premium for that period and sendnotice to the first Named Insured. The due datefor audit and retrospective premiums is thedate shown as the due date on the bill. If thesum of the advance and audit premiums paidfor the policy period is greater than the earnedpremium, we will return the excess to the firstNamed Insured.

c. The first Named Insured must keep records ofthe information we need for premium computa-tion, and send us copies at such times as wemay request.

6. Representations

By accepting this policy, you agree:

a. The statements in the Declarations are accu-rate and complete;

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b. Those statements are based upon representa-tions you made to us; and

c. We have issued this policy in reliance uponyour representations.

7. Separation Of Insureds

Except with respect to the Limits of Insurance, andany rights or duties specifically assigned in thisCoverage Part to the first Named Insured, this in-surance applies:

a. As if each Named Insured were the onlyNamed Insured; and

b. Separately to each insured against whom claimis made or "suit" is brought.

8. Transfer Of Rights Of Recovery Against OthersTo Us

If the insured has rights to recover all or part ofany payment we have made under this CoveragePart, those rights are transferred to us. The in-sured must do nothing after loss to impair them. Atour request, the insured will bring "suit" or transferthose rights to us and help us enforce them.

9. When We Do Not Renew

If we decide not to renew this Coverage Part, wewill mail or deliver to the first Named Insuredshown in the Declarations written notice of thenonrenewal not less than 30 days before the expi-ration date.

If notice is mailed, proof of mailing will be sufficientproof of notice.

SECTION V – DEFINITIONS

1. "Advertisement" means a notice that is broadcastor published to the general public or specific mar-ket segments about your goods, products or ser-vices for the purpose of attracting customers orsupporters. For the purposes of this definition:

a. Notices that are published include materialplaced on the Internet or on similar electronicmeans of communication; and

b. Regarding web-sites, only that part of a web-site that is about your goods, products or ser-vices for the purposes of attracting customersor supporters is considered an advertisement.

2. "Auto" means:

a. A land motor vehicle, trailer or semitrailer de-signed for travel on public roads, including anyattached machinery or equipment; or

b. Any other land vehicle that is subject to a com-pulsory or financial responsibility law or othermotor vehicle insurance law in the state whereit is licensed or principally garaged.

However, "auto" does not include "mobile equip-ment".


3. "Bodily injury" means bodily injury, sickness ordisease sustained by a person, including death re-sulting from any of these at any time.

4. "Coverage territory" means:

a. The United States of America (including itsterritories and possessions), Puerto Rico andCanada;

b. International waters or airspace, but only if theinjury or damage occurs in the course of travelor transportation between any places includedin Paragraph a. above; or

c. All other parts of the world if the injury or dam-age arises out of:

(1) Goods or products made or sold by you inthe territory described in Paragraph a.above;

(2) The activities of a person whose home is inthe territory described in Paragraph a.above, but is away for a short time on yourbusiness; or

(3) "Personal and advertising injury" offensesthat take place through the Internet or simi-lar electronic means of communication

provided the insured's responsibility to pay dam-ages is determined in a "suit" on the merits, in theterritory described in Paragraph a. above or in asettlement we agree to.

5. "Employee" includes a "leased worker". "Em-ployee" does not include a "temporary worker".

6. "Executive officer" means a person holding any ofthe officer positions created by your charter, con-stitution, by-laws or any other similar governingdocument.

7. "Hostile fire" means one which becomes uncon-trollable or breaks out from where it was intendedto be.

8. "Impaired property" means tangible property, otherthan "your product" or "your work", that cannot beused or is less useful because:

a. It incorporates "your product" or "your work"that is known or thought to be defective, defi-cient, inadequate or dangerous; or

b. You have failed to fulfill the terms of a contractor agreement;

if such property can be restored to use by the re-pair, replacement, adjustment or removal of "yourproduct" or "your work" or your fulfilling the termsof the contract or agreement.

9. "Insured contract" means:

a. A contract for a lease of premises. However,that portion of the contract for a lease of prem-ises that indemnifies any person or organiza-tion for damage by fire to premises whilerented to you or temporarily occupied by youwith permission of the owner is not an "insuredcontract";

b. A sidetrack agreement;

c. Any easement or license agreement, except inconnection with construction or demolition op-erations on or within 50 feet of a railroad;

d. An obligation, as required by ordinance, toindemnify a municipality, except in connectionwith work for a municipality;

e. An elevator maintenance agreement;

f. That part of any other contract or agreementpertaining to your business (including an in-demnification of a municipality in connectionwith work performed for a municipality) underwhich you assume the tort liability of anotherparty to pay for "bodily injury" or "property dam-age" to a third person or organization. Tort li-ability means a liability that would be imposedby law in the absence of any contract oragreement.

Paragraph f. does not include that part of anycontract or agreement:

(1) That indemnifies a railroad for "bodily injury"or "property damage" arising out of con-struction or demolition operations, within 50feet of any railroad property and affectingany railroad bridge or trestle, tracks, road-beds, tunnel, underpass or crossing;

(2) That indemnifies an architect, engineer orsurveyor for injury or damage arising out of:

(a) Preparing, approving, or failing to pre-pare or approve, maps, shop drawings,opinions, reports, surveys, field orders,change orders or drawings and specifi-cations; or

(b) Giving directions or instructions, or fail-ing to give them, if that is the primarycause of the injury or damage; or

(3) Under which the insured, if an architect,engineer or surveyor, assumes liability foran injury or damage arising out of the in-sured's rendering or failure to render pro-fessional services, including those listed in(2) above and supervisory, inspection, ar-chitectural or engineering activities.

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10. "Leased worker" means a person leased to you bya labor leasing firm under an agreement betweenyou and the labor leasing firm, to perform dutiesrelated to the conduct of your business. "Leasedworker" does not include a "temporary worker".

11. "Loading or unloading" means the handling ofproperty:

a. After it is moved from the place where it isaccepted for movement into or onto an aircraft,watercraft or "auto";

b. While it is in or on an aircraft, watercraft or"auto"; or

c. While it is being moved from an aircraft, water-craft or "auto" to the place where it is finally de-livered;

but "loading or unloading" does not include themovement of property by means of a mechanicaldevice, other than a hand truck, that is not at-tached to the aircraft, watercraft or "auto".

12. "Mobile equipment" means any of the followingtypes of land vehicles, including any attached ma-chinery or equipment:

a. Bulldozers, farm machinery, forklifts and othervehicles designed for use principally off publicroads;

b. Vehicles maintained for use solely on or next topremises you own or rent;

c. Vehicles that travel on crawler treads;

d. Vehicles, whether self-propelled or not, main-tained primarily to provide mobility to perma-nently mounted:

(1) Power cranes, shovels, loaders, diggers ordrills; or

(2) Road construction or resurfacing equipmentsuch as graders, scrapers or rollers;

e. Vehicles not described in Paragraph a., b., c.or d. above that are not self-propelled and aremaintained primarily to provide mobility to per-manently attached equipment of the followingtypes:

(1) Air compressors, pumps and generators,including spraying, welding, building clean-ing, geophysical exploration, lighting andwell servicing equipment; or

(2) Cherry pickers and similar devices used toraise or lower workers;

f. Vehicles not described in Paragraph a., b., c.or d. above maintained primarily for purposesother than the transportation of persons orcargo.

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However, self-propelled vehicles with the fol-lowing types of permanently attached equip-ment are not "mobile equipment" but will beconsidered "autos":

(1) Equipment designed primarily for:

(a) Snow removal;

(b) Road maintenance, but not constructionor resurfacing; or

(c) Street cleaning;

(2) Cherry pickers and similar devices mountedon automobile or truck chassis and used toraise or lower workers; and

(3) Air compressors, pumps and generators,including spraying, welding, building clean-ing, geophysical exploration, lighting andwell servicing equipment.

However, "mobile equipment" does not includeany land vehicles that are subject to a compulsoryor financial responsibility law or other motor vehi-cle insurance law in the state where it is licensedor principally garaged. Land vehicles subject to acompulsory or financial responsibility law or othermotor vehicle insurance law are considered"autos".

13. "Occurrence" means an accident, including con-tinuous or repeated exposure to substantially thesame general harmful conditions.

14. "Personal and advertising injury" means injury,including consequential "bodily injury", arising outof one or more of the following offenses:

a. False arrest, detention or imprisonment;

b. Malicious prosecution;

c. The wrongful eviction from, wrongful entry into,or invasion of the right of private occupancy ofa room, dwelling or premises that a person oc-cupies, committed by or on behalf of its owner,landlord or lessor;

d. Oral or written publication, in any manner, ofmaterial that slanders or libels a person or or-ganization or disparages a person's or organi-zation's goods, products or services;

e. Oral or written publication, in any manner, ofmaterial that violates a person's right of pri-vacy;

f. The use of another's advertising idea in your"advertisement"; or

g. Infringing upon another's copyright, trade dressor slogan in your "advertisement".


15. "Pollutants" mean any solid, liquid, gaseous orthermal irritant or contaminant, including smoke,vapor, soot, fumes, acids, alkalis, chemicals andwaste. Waste includes materials to be recycled,reconditioned or reclaimed.

16. "Products-completed operations hazard":

a. Includes all "bodily injury" and "property dam-age" occurring away from premises you own orrent and arising out of "your product" or "yourwork" except:

(1) Products that are still in your physical pos-session; or

(2) Work that has not yet been completed orabandoned. However, "your work" will bedeemed completed at the earliest of the fol-lowing times:

(a) When all of the work called for in yourcontract has been completed.

(b) When all of the work to be done at thejob site has been completed if your con-tract calls for work at more than one jobsite.

(c) When that part of the work done at a jobsite has been put to its intended use byany person or organization other thananother contractor or subcontractorworking on the same project.

Work that may need service, maintenance,correction, repair or replacement, but whichis otherwise complete, will be treated ascompleted.

b. Does not include "bodily injury" or "propertydamage" arising out of:

(1) The transportation of property, unless theinjury or damage arises out of a condition inor on a vehicle not owned or operated byyou, and that condition was created by the"loading or unloading" of that vehicle by anyinsured;

(2) The existence of tools, uninstalled equip-ment or abandoned or unused materials; or

(3) Products or operations for which the classi-fication, listed in the Declarations or in apolicy schedule, states that products-completed operations are subject to theGeneral Aggregate Limit.

17. "Property damage" means:

a. Physical injury to tangible property, includingall resulting loss of use of that property. Allsuch loss of use shall be deemed to occur atthe time of the physical injury that caused it; or

b. Loss of use of tangible property that is notphysically injured. All such loss of use shall bedeemed to occur at the time of the "occur-rence" that caused it.

For the purposes of this insurance, electronic datais not tangible property.

As used in this definition, electronic data meansinformation, facts or programs stored as or on,created or used on, or transmitted to or from com-puter software, including systems and applicationssoftware, hard or floppy disks, CD-ROMS, tapes,drives, cells, data processing devices or any othermedia which are used with electronically controlledequipment.

18. "Suit" means a civil proceeding in which damagesbecause of "bodily injury", "property damage" or"personal and advertising injury" to which this in-surance applies are alleged. "Suit" includes:

a. An arbitration proceeding in which such dam-ages are claimed and to which the insuredmust submit or does submit with our consent;or

b. Any other alternative dispute resolution pro-ceeding in which such damages are claimedand to which the insured submits with our con-sent.

19. "Temporary worker" means a person who is fur-nished to you to substitute for a permanent "em-ployee" on leave or to meet seasonal or short-termworkload conditions.

20. "Volunteer worker" means a person who is notyour "employee", and who donates his or her workand acts at the direction of and within the scope ofduties determined by you, and is not paid a fee,salary or other compensation by you or anyoneelse for their work performed for you.

21. "Your product":

a. Means:

(1) Any goods or products, other than realproperty, manufactured, sold, handled, dis-tributed or disposed of by:

(a) You;

(b) Others trading under your name; or

(c) A person or organization whose busi-ness or assets you have acquired; and

(2) Containers (other than vehicles), materials,parts or equipment furnished in connectionwith such goods or products.

b. Includes:

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(1) Warranties or representations made at anytime with respect to the fitness, quality, du-rability, performance or use of "your prod-uct"; and

(2) The providing of or failure to provide warn-ings or instructions.

c. Does not include vending machines or otherproperty rented to or located for the use of oth-ers but not sold.

22. "Your work":

a. Means:

(1) Work or operations performed by you or onyour behalf; and

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(2) Materials, parts or equipment furnished inconnection with such work or operations.

b. Includes:

(1) Warranties or representations made at anytime with respect to the fitness, quality, du-rability, performance or use of "your work",and

(2) The providing of or failure to provide warn-ings or instructions.



RECORDING AND DISTRIBUTION OF MATERIAL ORINFORMATION IN VIOLATION OF LAW EXCLUSION



A. Exclusion q. of Paragraph 2. Exclusions of Sec-tion I – Coverage A – Bodily Injury And Prop-erty Damage Liability is replaced by the follow-ing:

2. Exclusions


q. Recording And Distribution Of MaterialOr Information In Violation Of Law

"Bodily injury" or "property damage" arisingdirectly or indirectly out of any action oromission that violates or is alleged to vio-late:

(1) The Telephone Consumer ProtectionAct (TCPA), including any amendmentof or addition to such law;

(2) The CAN-SPAM Act of 2003, includingany amendment of or addition to suchlaw;

(3) The Fair Credit Reporting Act (FCRA),and any amendment of or addition tosuch law, including the Fair and Accu-rate Credit Transaction Act (FACTA); or

(4) Any federal, state or local statute, ordi-nance or regulation, other than theTCPA, CAN-SPAM Act of 2003 orFCRA and their amendments and addi-tions, that addresses, prohibits, or limitsthe printing, dissemination, disposal,collecting, recording, sending, transmit-ting, communicating or distribution ofmaterial or information.

B. Exclusion p. of Paragraph 2. Exclusions of Sec-tion I – Coverage B – Personal And AdvertisingInjury Liability is replaced by the following:

2. Exclusions


p. Recording And Distribution Of MaterialOr Information In Violation Of Law

"Personal and advertising injury" arising di-rectly or indirectly out of any action or omis-sion that violates or is alleged to violate:

(1) The Telephone Consumer ProtectionAct (TCPA), including any amendmentof or addition to such law;

(2) The CAN-SPAM Act of 2003, includingany amendment of or addition to suchlaw;

(3) The Fair Credit Reporting Act (FCRA),and any amendment of or addition tosuch law, including the Fair and Accu-rate Credit Transaction Act (FACTA); or

(4) Any federal, state or local statute, ordi-nance or regulation, other than theTCPA, CAN-SPAM Act of 2003 orFCRA and their amendments and addi-tions, that addresses, prohibits, or limitsthe printing, dissemination, disposal,collecting, recording, sending, transmit-ting, communicating or distribution ofmaterial or information.

COMMERCIAL GENERAL LIABILITY



ADDITIONAL INSURED – CLUB MEMBERSThis endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART.

WHO IS AN INSURED (Section II) is amended to include as an insured any of your members, but only with re-spect to their liability for your activities or activities they perform on your behalf.




EMPLOYMENT-RELATED PRACTICES EXCLUSION



A. The following exclusion is added to Paragraph 2.,Exclusions of Section I – Coverage A – BodilyInjury And Property Damage Liability:


"Bodily injury" to:

(1) A person arising out of any:

(a) Refusal to employ that person;

(b) Termination of that person's employment;or

(c) Employment-related practices, policies,acts or omissions, such as coercion, demo-tion, evaluation, reassignment, discipline,defamation, harassment, humiliation, dis-crimination or malicious prosecution di-rected at that person; or

(2) The spouse, child, parent, brother or sister ofthat person as a consequence of "bodily injury"to that person at whom any of the employment-related practices described in Paragraphs (a),(b), or (c) above is directed.


(1) Whether the injury-causing event described inParagraphs (a), (b) or (c) above occurs beforeemployment, during employment or after em-ployment of that person;

(2) Whether the insured may be liable as an em-ployer or in any other capacity; and

(3) To any obligation to share damages with orrepay someone else who must pay damagesbecause of the injury.

B. The following exclusion is added to Paragraph 2.,Exclusions of Section I – Coverage B – Per-sonal And Advertising Injury Liability:


"Personal and advertising injury" to:

(1) A person arising out of any:

(a) Refusal to employ that person;

(b) Termination of that person's employment;or

(c) Employment-related practices, policies,acts or omissions, such as coercion, demo-tion, evaluation, reassignment, discipline,defamation, harassment, humiliation, dis-crimination or malicious prosecution di-rected at that person; or

(2) The spouse, child, parent, brother or sister ofthat person as a consequence of "personal andadvertising injury" to that person at whom anyof the employment-related practices describedin Paragraphs (a), (b), or (c) above is directed.


(1) Whether the injury-causing event described inParagraphs (a), (b) or (c) above occurs beforeemployment, during employment or after em-ployment of that person;

(2) Whether the insured may be liable as an em-ployer or in any other capacity; and

(3) To any obligation to share damages with orrepay someone else who must pay damagesbecause of the injury.




TOTAL POLLUTION EXCLUSION ENDORSEMENT



Exclusion f. under Paragraph 2., Exclusions of Sec-tion I – Coverage A – Bodily Injury And PropertyDamage Liability is replaced by the following:


f. Pollution

(1) "Bodily injury" or "property damage" whichwould not have occurred in whole or part but forthe actual, alleged or threatened discharge,dispersal, seepage, migration, release or es-cape of "pollutants" at any time.

(2) Any loss, cost or expense arising out of any:

(a) Request, demand, order or statutory orregulatory requirement that any insured orothers test for, monitor, clean up, remove,contain, treat, detoxify or neutralize, or inany way respond to, or assess the effects of"pollutants"; or

(b) Claim or suit by or on behalf of a govern-mental authority for damages because oftesting for, monitoring, cleaning up, remov-ing, containing, treating, detoxifying or neu-tralizing, or in any way responding to, or as-sessing the effects of, "pollutants".




FUNGI OR BACTERIA EXCLUSION



A. The following exclusion is added to Paragraph 2.Exclusions of Section I – Coverage A – BodilyInjury And Property Damage Liability:

2. Exclusions


Fungi Or Bacteria

a. "Bodily injury" or "property damage" whichwould not have occurred, in whole or in part,but for the actual, alleged or threatened in-halation of, ingestion of, contact with, expo-sure to, existence of, or presence of, any"fungi" or bacteria on or within a building orstructure, including its contents, regardlessof whether any other cause, event, materialor product contributed concurrently or in anysequence to such injury or damage.

b. Any loss, cost or expenses arising out of theabating, testing for, monitoring, cleaning up,removing, containing, treating, detoxifying,neutralizing, remediating or disposing of, orin any way responding to, or assessing theeffects of, "fungi" or bacteria, by any insuredor by any other person or entity.

This exclusion does not apply to any "fungi" orbacteria that are, are on, or are contained in, agood or product intended for bodily consump-tion.

B. The following exclusion is added to Paragraph 2.Exclusions of Section I – Coverage B – Per-sonal And Advertising Injury Liability:

2. Exclusions


Fungi Or Bacteria

a. "Personal and advertising injury" whichwould not have taken place, in whole or inpart, but for the actual, alleged or threat-ened inhalation of, ingestion of, contactwith, exposure to, existence of, or presenceof any "fungi" or bacteria on or within abuilding or structure, including its contents,regardless of whether any other cause,event, material or product contributed con-currently or in any sequence to such injury.

b. Any loss, cost or expense arising out of theabating, testing for, monitoring, cleaning up,removing, containing, treating, detoxifying,neutralizing, remediating or disposing of, orin any way responding to, or assessing theeffects of, "fungi" or bacteria, by any insuredor by any other person or entity.

C. The following definition is added to the DefinitionsSection:

"Fungi" means any type or form of fungus, includ-ing mold or mildew and any mycotoxins, spores,scents or byproducts produced or released byfungi.




SILICA OR SILICA-RELATED DUST EXCLUSION



A. The following exclusion is added to Paragraph 2.,Exclusions of Section I – Coverage A – BodilyInjury And Property Damage Liability:

2. Exclusions


Silica Or Silica-Related Dust

a. "Bodily injury" arising, in whole or in part, outof the actual, alleged, threatened or sus-pected inhalation of, or ingestion of, "silica"or "silica-related dust".

b. "Property damage" arising, in whole or inpart, out of the actual, alleged, threatenedor suspected contact with, exposure to, ex-istence of, or presence of, "silica" or "silica-related dust".

c. Any loss, cost or expense arising, in wholeor in part, out of the abating, testing for,monitoring, cleaning up, removing, contain-ing, treating, detoxifying, neutralizing, reme-diating or disposing of, or in any way re-sponding to or assessing the effects of,"silica" or "silica-related dust", by any in-sured or by any other person or entity.

B. The following exclusion is added to Paragraph 2.,Exclusions of Section I – Coverage B – Per-sonal And Advertising Injury Liability:

2. Exclusions


Silica Or Silica-Related Dust

a. "Personal and advertising injury" arising, inwhole or in part, out of the actual, alleged,threatened or suspected inhalation of, in-gestion of, contact with, exposure to, exis-tence of, or presence of, "silica" or "silica-related dust".

b. Any loss, cost or expense arising, in wholeor in part, out of the abating, testing for,monitoring, cleaning up, removing, contain-ing, treating, detoxifying, neutralizing, reme-diating or disposing of, or in any way re-sponding to or assessing the effects of,"silica" or "silica-related dust", by any in-sured or by any other person or entity.

C. The following definitions are added to the Defini-tions Section:

1. "Silica" means silicon dioxide (occurring incrystalline, amorphous and impure forms), sil-ica particles, silica dust or silica compounds.

2. "Silica-related dust" means a mixture or combi-nation of silica and other dust or particles.

Includes copyrighted material of Insurance Services Office, Inc. 1997,2001421-0022 (7/02) Page 1 of 1


ASBESTOS LIABILITY EXCLUSION


BUSINESSOWNERS COVERAGE FORM

This insurance does not apply to “bodily injury”, “property damage” or “personal and advertisinginjury” arising out of any actual or alleged:

1. Inhaling, ingesting or prolonged physical exposure by any person to asbestos or asbestosfibers or goods or products containing asbestos;

2. Use of asbestos in constructing or manufacturing any good, product or structure;

3. Intentional or accidental removal including encapsulation, dispersal, sealing or disposal ofasbestos or asbestos fibers from any good, product or structure;

4. Manufacture, transportation, storage or disposal of asbestos or goods or products containingasbestos;

5. Product manufactured, sold, handled or distributed by or on behalf of the insured whichcontain asbestos; or

6. Acts or omissions of the insured in connection with the general supervision of any jobinvolving the removal, enclosure, encapsulation, dispersal, sealing or disposal of asbestos,asbestos fibers or products containing asbestos.

General supervision includes the rendering of or failure to render any instructions,recommendations, warnings or advice.

Commercial General Liability 421-0444 04 07

421-0444 04 07 Includes Copyrighted Material of Insurance Services Office, Page 1of 1 Inc With Its Permission


Exclusion - ELECTROMAGNETIC RADIATION



The following exclusion is added to Paragraph2., Exclusions of Section I – Coverage A –Bodily Injury And Property Damage Liability andParagraph 2., Exclusions of Section I –Coverage B – Personal And Advertising InjuryLiability:

This insurance does not apply to "bodily injury","property damage", or "personal and advertisinginjury" arising out "electromagnetic fields","electromagnetic radiation", "electromagnetism"or "telecommunication electromagneticradiation".

For the purposes of this endorsement, thefollowing definitions apply:

a. "Electromagnetic fields" means any field orforce made up of associated electric andmagnetic components;

b. "Electromagnetic radiation" means Magneticenergy, waves, fields or forces generated,produced, distributed, transmitted or maintainedby charges, currents, frequencies, energy orforces of electricity;

c. "Electromagnetism" means magnetismdeveloped by a current of electricity.d. "Telecommunication ElectromagneticRadiation" means any microwave or radiofrequency signal produced by or emanating fromany telecommunication related product, deviceor equipment, including any component part,used in connection with or transmission of anysuch signal.

SIG-1100 08 14

THE ONLY SIGNATURES APPLICABLE TO THIS POLICY ARE THOSE REPRESENTING THE COMPANYNAMED ON THE FIRST PAGE OF THE DECLARATIONS.

In Witness Whereof, this company has caused this policy to be signed by its President and Secretary andcountersigned on the declarations page, where required, by a duly authorized agent of the company.

Frederick H. EppingerPresident

Charles Frederick CroninSecretary

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Privacy Policy and Producer Compensation Practices Disclosures

Documents

Transcript of Privacy Policy and Producer Compensation Practices Disclosures