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Adams Ashby Group - Insurance Certificate (2019)
MAC DATE (MM/DD/YYYY) CERTIFICATE . OF . LIABILITY . INSURANCE R054 7/12/2018 THIS CERTIFICATEIS ISSUED AS A MATTER OF INFORMATION ONLY AND CO CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND O BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BET REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, t If SUBROGATION IS WAIVED, subject to the terms and conditions of A statement on this s certificate does not confer rights to the certificate holder in ). PRODUCER CONTACT NAME: PHONE FAX USAA INSURANCE AGENCY INC/PHS (888) 443-6112 (888) 242-1430 (A/C, No, Ext): (A/C, No): E-MAIL P: F:(888) 443-6112 812846 (888) 242-1430 ADDRESS: PO BOX 33015 INSURER(S) AFFORDING COVERAGE NAIC# SAN ANTONIO TX 78265 11000 Sentinel Ins Co LTD INSURER A : 20443 Continental Casualty Co. INSURED INSURER B : INSURER C : ADAMS ASHBY GROUP INC. INSURER D : 770 L ST STE 950 INSURER E : SACRAMENTO CA 95814 INSURER F : COVERAGES CERTIFICATE NUMBER: REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS,EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN M POLICY EFF INSR ADDL SUBR POLICY EXP TYPE OF INSURANCE POLICY NUMBER LIMITS (MM/DD/YYYY) LTR INSR WVD (MM/DD/YYYY) 2,000,000 EACH OCCURRENCE $ COMMERCIAL GENERAL LIABILITY X DAMAGE TO RENTED 1,000,000 CLAIMS-MADE OCCUR $ PREMISES (Ea occurrence) 10,000 General Liab X A X 65 SBA NW6130 06/01/2018 06/01/2019 MED EXP (Any one person) $ 2,000,000 PERSONAL & ADV INJURY $ 4,000,000 GENERAL AGGREGATE $ GEN'L AGGREGATE LIMIT APPLIES PER: PRO- 4,000,000 X POLICY LOC PRODUCTS - COMP/OP AGG $ JECT OTHER: $ COMBINED SINGLE LIMIT 2,000,000 AUTOMOBILE LIABILITY $ (Ea accident) ANY AUTO BODILY INJURY (Per person) $ OWNED SCHEDULED A 06/01/2018 06/01/2019 BODILY INJURY (Per accident) 65 SBA NW6130 $ AUTOS ONLY AUTOS HIRED NON-OWNED PROPERTY DAMAGE X X $ AUTOS ONLY AUTOS ONLY (Per accident) $ OCCUR EACH OCCURRENCE UMBRELLA LIAB $ CLAIMS-MADE AGGREGATE EXCESS LIAB $ $ DED RETENTION $ PER OTH- WORKERS COMPENSATION STATUTE ER AND EMPLOYERS' LIABILITY $ ANY PROPRIETOR/PARTNER/EXECUTIVE Y/N E.L. EACH ACCIDENT OFFICER/MEMBER EXCLUDED? N/ A $ ( Mandatory in NH ) E.L. DISEASE- EA EMPLOYEE $ If yes, describe under E.L. DISEASE - POLICY LIMIT DESCRIPTION OF OPERATIONS below B Professional Liab 596466820 05/19/2018 05/19/2019 $1,000,000 DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more Certificate holder is an additional insured per the Business Lia Coverage Form SS0008 attached to this policy. CERTIFICATE HOLDER CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE CITY OF GILROY DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. ITS OFFICERS, OFFICIALS AND EMPLOYEES AUTHORIZED REPRESENTATIVE 7351 ROSANNA ST GILROY, CA 95020 © 1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25 (2016/03) The ACORD name and logo are registered marks of ACORD S e l ect Cus to m er I ns urance Cen t er 3600 WISEMAN BLVD. SAN ANTONIO TX 78251 P o l i c y ho l der , p l eas e ca l l us at : (888) 242-1430 (888) 242-1430 A gent , p l eas e ca l l us at : SERVICE.TX@THEHARTFORD.COM INSURANCE ENDO RSEMENT A T TACHED ** * P L E A S E RE VI E W T HE CHANGE * ** E nc l os ed i s an endors e m ent f or y our bus i nes s i ns urance po l i c y . P l eas e re v i ew i t at y our con v en i ence . I f y ou ha v e ques t i ons or need to make f ur t her changes : P o l i c y ho l der , p l eas e ca l l us at : (888) 242-1430 (888) 242-1430 A gent , p l eas e ca l l us at : be t w een 7 A . M . and 7 P . M . C S T . The prem i u m b i l l i ng w i l l be m a i l ed t o y ou s epara t e l y . Y ou can e x pec t t o rece i v e i t s oon . Thank y ou f or a l l ow i ng us t o s er v i ce y our bus i nes s needs . USAA INSURANCE AGENCY INC/PHS TH E H A RTF O RD S EL E CT CU S TO M ER IN S URANC E C E NTER T h e Ha rt f o rd Ha rt f o rd Fi re In sura nce Co m p a n y a n d it s A f fil ia te s One Ha rtfo rd P la za , Ha rt f o rd, Co nn e ct icu t 06 15 5 T HI S ENDORS EM EN T CH A NGE S T HE P O L I CY. P L E A S E RE A D I T C A RE F UL L Y. POLICY CH A NG E Th i s endors emen t changes the po l i c y e f f ec t i v e on t he Incep t i on Date o f t he po l i c y un l es s ano t her date i s i nd i ca t ed be l ow: P o l ic y N u mber: 65 SBA NW6130 DX Name d I ns u red an d Mai l i n g A d dress; ADAMS ASHBY GROUP, INC SEE FORM SS1235 770 L ST. STE 950 SACRAMENTO CA 95814 P o l ic y C h an g e E ffective Date: E ffective h o u r i s the same as state d i n the 06/01/18 Dec l arati o ns Pa g e o f t h e P o l ic y . P o l ic y C h an g e N u mber: 002 USAA INSURANCE AGENCY INC/PHS A ge n t Name: C o de: 812846 POLI CY CH A NGE S: SENTINEL INSURANCE COMPANY, LIMITED ANY CHANGES IN YOUR PREMIUM WILL BE REFLECTED IN YOUR NEXT BILLING STATEMENT.IF YOU ARE ENROLLED IN REPETITIVE EFT DRAWS FROM YOUR BANK ACCOUNT, CHANGES IN PREMIUM WILL CHANGE FUTURE DRAW AMOUNTS. THIS IS NOT A BILL. NO PREMIUM DUE AS OF POLICY CHANGE EFFECTIVE DATE FORM NUMBERS OF ENDORSEMENTS REVISED AT ENDORSEMENT ISSUE: IH12001185 ADDITIONAL INSURED - PERSON-ORGANIZATION PRO RATA FACTOR: 1.000 THIS ENDORSEMENT DOES NOT CHANGE THE POLICY EXCEPT AS SHOWN. F orm S S 12 11 04 05 T P age 001 06/01/18 P rocess Date: P o l ic y E ffective Date: 06/11/18 P o l ic y E xp i rati o n Date: 06/01/19 65 SBA NW6130 POLICY NUMBER: THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED - PERSON-ORGANIZATION COMMUNITY DEVELOPMENT COMMISSION OF THE CITY OF ROHNERT PARK 130 AVRAM AVE. ROHNERT PART, CA 94928 CITY OF TRACY 333 CIVIC CENTER PLAZA TRACY CA 95376 COUNTY OF TEHANA IT'S ELECTIVE OFFICIALS, OFFICERS, EMPLOYEES AND VOLUNTEERS 727 OAK STREET RED BLUFF, CA 96080 COUNTY OF YOLO 625 COURT ST STE 202 WOODLAND, CA 95695 VALLEY CONTRACTORS EXCHANGE 951 EAST 8TH ST. CHICO, CA. 95928 COUNTY OF NEVADA, AND ITS OFFICERS, AGENTS, EMPLOYEES & VOLUNTEERS 950 MAIDU AVE NEVADA CITY, CA 95959 RE: LOC 001 & 002 BLDGS 001 CALAVERAS HEALTH AND HUMAN SERVICES AGENCY ATTENTION: MARK KSENZULAK 509 EAST ST. CHARLES STREET SAN ANDREAS, CA 95249 003 001 (CONTINUED ON NEXT PAGE) Form IH 12 00 11 85 T SEQ. NO. Printed in U.S.A. Page 06/11/18 06/01/19 Process Date: Expiration Date: 65 SBA NW6130 POLICY NUMBER: THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED - PERSON-ORGANIZATION CITY OF GILROY ITS OFFICERS, OFFICIALS AND EMPLOYEES 7351 ROSANNA ST GILROY, CA 95020 THE CITY OF FORT BRAGG, ITS OFFICIALS, OFFICERS, EMPLOYEES, AGENTS, AND VOLUNTEERS 416 N FRANKLIN STREET FORT BRAGG, CA 95437 003 002 (CONTINUED ON NEXT PAGE) Form IH 12 00 11 85 T SEQ. NO. Printed in U.S.A. Page 06/11/18 06/01/19 Process Date: Expiration Date: BUSINESS LIA BILITY COVERA G E FORM F orm SS 00 08 04 05 © 2 005, T he Hart f ord QUICK REF ERENCE BUSINESS LIA BIL ITY CO VERA GE F ORM REA D Y OUR PO LICY CA REF ULL Y BUSI NE SS L I A BI LI T Y COVE RA GE FORM Beg in ni ng o n Page A . COVE RA GES 1 1 Bus i nes s Li abil it y 2 M edical Ex pens es 2 Cov erage Ex tens i on - Supplem entary Paym ent s B. EX CL US I ONS 3 C. WHO I S A N I NS URED 10 D. L I A BI LI T Y A ND ME DI CA L E XP ENS ES L I M I T S OF I NS URA NCE 14 E. L I A BI LI T Y A ND ME DI CA L E XP ENS ES GENE RA L CONDI T I ONS 15 1. 15 Bankrupt cy 2. 15 Dut ies In The Ev ent Of O ccurrence, Of f ens e, Clai m Or Suit 3. 16 F inanci al Res pons ibi li ty Law s 4. 16 Legal Act ion Agains t Us 5. 16 Separat ion Of I ns ureds 6. 16 Repres ent ati ons 7. 16 O ther Ins urance 8. 17 T rans f er Of Ri ghts Of Recov ery Agains t O thers To Us F . OPT I ONA L A DDI T I ONA L I NS URED COV ERA GE S 18 18 Addi ti onal Ins ureds G. L I A BI LI T Y A ND ME DI CA L E XP ENS ES DEFI NI T I ONS 20 F orm SS 00 08 04 05 BUSINESS LIA BILITY COVERA G E FORM Vari ous prov is i ons in t his pol icy res t rict cov erage. Read the enti re pol icy caref ul ly to determ ine right s , duti es and w hat i s and is not cov ered. T hroughout t his pol icy t he w ords "you" and "your" ref er to the Nam ed Ins ured s how n i n t he Decl arati ons . T he w ords "w e", "us " and "our" ref er to the s tock ins urance com pany m em ber of T he Hart f ord prov idi ng t his ins urance. C T he w ord "i ns ured" m eans any pers on or organizat ion quali f yi ng as s uch under Secti on . - W ho Is An I ns ured. G O ther w ords and phras es t hat appear i n quot ati on m arks hav e s pecial m eaning. Ref er t o Secti on . - Li abil it y And M edical Ex pens es Def i nit ions . (a) A . COVE RA GES T he "bodi ly i njury" or "propert y dam age" i s caus ed by an 1. BUSI NESS L IA BI LI T Y CO VERA GE (BO DIL Y "occurrence" t hat t akes pl ace i n t he I NJURY, PROPERT Y DA M A GE, PERSONA L "cov erage terri tory"; A ND A DVERT I SING I NJURY) (b ) T h e " b o d i l y i n j u r y " o r " p r o p e r t y I nsu rin g A greemen t d a m a g e " o c c u r s d u r i n g t h e p o l i c y a. W e w il l pay thos e s um s that t he i ns ured p e r i o d ; and becom es l egall y obl igat ed t o pay as (c) P ri o r t o t h e po l i cy p er i od , n o i n s u re d dam ages becaus e of "bodi ly i njury", 1 . l i st ed u nd er P ar ag ra ph of Se ct i o n "propert y dam age" or "pers onal and C . W ho I s A n I nsur ed an d n o adv ert is i ng inj ury" to w hi ch thi s i ns urance " em p l oy ee " au t ho ri z ed b y yo u t o g i v e appl ies . W e w i ll hav e the ri ght and dut y t o o r r ec ei v e n ot i c e o f a n "o cc ur re nc e" def end t he i ns ured agains t any "s uit " o r c l ai m , kn ew t h at t he " bo di l y i n j ur y" s eeki ng t hos e dam ages . How ev er, w e w i ll o r " pr op er t y d am a ge " ha d oc cu rr ed , hav e no dut y t o def end the i ns ured agains t i n who l e or i n pa rt . I f s u ch a l i s t e d any "s ui t" s eeki ng dam ages f or "bodil y i n sur ed or au t ho ri z ed " em p l oy ee " i njury", "property dam age" or "pers onal and k ne w , pr i or t o t h e p ol i c y p er i od , t ha t adv ert is i ng inj ury" to w hi ch thi s i ns urance t h e "b od i l y i n j ur y" or "p ro pe rt y does not apply. d am a ge " oc cu rr ed , t h en a ny W e m ay, at our dis cret ion, inv es t igat e any c on t i nu a t i o n, c ha ng e o r r esum p t i on "occurrence" or of f ens e and s ett le any cl aim o f suc h "b od i l y i n j u ry " or "p ro pe rt y or "s uit " t hat m ay res ult . But : d am a ge " du ri n g or a f t er t h e po l i cy p er i od w i l l b e d ee m ed t o h av e be en (1) T he am ount w e w i ll pay f or dam ages is k no w n pr i or t o t h e p ol i c y p e r i od . D. l im it ed as des cribed in Secti on - (2) T o "pers onal and adv erti s ing inj ury" Li abil it y And Medi cal Ex pens es Lim it s caus ed by an of f ens e ari s ing out of your O f Ins urance; and bus i nes s , but only i f t he of f ens e w as (2) O u r r i g h t a n d d u t y t o d e f e n d e n d s wh e n com m i tt ed in the "cov erage t errit ory" we h a v e u se d u p t h e a p p l i c a b l e l i m i t o f duri ng t he pol icy peri od. i n su r a n c e i n t h e p a y m e n t o f j u d g m e n t s, c. "Bodi ly i njury" or "property dam age" w il l be se t t l e m e n t s o r m e d i c a l e x p e n se s t o wh i c h deem ed t o hav e been know n to hav e t h i s i n su r a n c e a p p l i e s. occurred at the earl ies t t im e w hen any N o o t h e r o b l i g a t i o n o r l i a b i l i t y t o p a y su m s o r 1. i ns ured li s ted under Paragraph of Secti on p e r f o r m a c t s o r se r v i c e s i s c o v e r e d u n l e ss C. W ho Is An I ns ured or any "em pl oyee" e x p l i c i t l y p r o v i d e d f o r u n d e r C o v e r a g e aut horized by you t o giv e or recei v e noti ce E x t e n si o n - S u p p l e m e n t a r y P a y m e n t s. of an "occurrence" or clai m : b . T his ins urance appli es : (1) Report s al l, or any part, of t he "bodil y (1) T o "bodil y i njury" and "propert y i njury" or "propert y dam age" t o us or dam age" onl y i f : any other ins urer; F orm SS 00 08 04 05 Pag e 1 of 24 © 2005, The Hartf ord BUSI NESS L IA BI LI T Y COVERA G E F ORM (2) b . R e c e i v e s a wr i t t e n o r v e r b a l d e m a n d o r W e w i ll m ake t hes e paym ent s regardles s of c l a i m f o r d a m a g e s b e c a u se o f t h e " b o d i l y f ault . T hes e paym ent s w il l not ex ceed t he i n j u r y " o r " p r o p e r t y d a m a g e " ; o r appl icabl e l im it of ins urance. W e w i ll pay reas onabl e ex pens es f or: (3) B e c o m e s a wa r e b y a n y o t h e r m e a n s t h a t (1) " b o d i l y i n j u r y " o r " p r o p e r t y d a m a g e " h a s F irs t aid adm ini s tered at the ti m e of an o c c u r r e d o r h a s b e g u n t o o c c u r . acci dent; d . (2) Dam ages becaus e of "bodil y i njury" incl ude Neces s ary m edi cal, s urgi cal, x -ray and dam ages clai m ed by any pers on or dent al s erv i ces , i ncludi ng pros t heti c organi zat ion f or care, los s of s erv ices or dev i ces ; and deat h res ul ti ng at any t im e f rom the "bodi ly (3) Neces s ary am bulance, hos pit al, i njury". prof es s ional nurs ing and f uneral e. I nci den tal Med ical M alp ractice s erv i ces . (1) "Bodi ly inj ury" ari s ing out of t he 3. CO VERA GE EXT ENSI ON - renderi ng of or f ai lure to render SUPPL EMENT A RY PA YM ENT S prof es s ional healt h care s erv i ces as a a. W e w i ll pay, w i th res pect to any cl aim or phys i cian, denti s t, nurs e, em ergency "s ui t" w e i nv es ti gate or s et tl e, or any "s uit " m edical techni cian or param edic s hall agai ns t an i ns ured w e def end: be deem ed t o be caus ed by an (1) Al l ex pens es w e incur. "occurrence", but onl y i f : (2) Up t o $1,000 f or t he cos t of bai l bonds (a) T he phys ici an, denti s t, nurs e, requi red becaus e of accident s or traf f i c em ergency m edical t echnici an or l aw v iol ati ons aris i ng out of the us e of param edic is em pl oyed by you t o any v ehicl e to w hi ch Bus ines s Li abil it y prov i de s uch s erv ices ; and Cov erage f or "bodil y i njury" appli es . W e (b ) You are not engaged in t he do not hav e t o f urnis h thes e bonds . bus i nes s or occupat ion of prov i ding (3) T he cos t of appeal bonds or bonds t o s uch s erv i ces . rel eas e att achm ent s , but only f or bond (2) F or the purpos e of determ ini ng t he am ounts w i thi n t he appl icabl e l im it of l im it s of i ns urance f or inci dental m edical i ns urance. W e do not hav e t o f urni s h m alpract ice, any act or om is s i on t hes e bonds . t ogether w i th al l rel ated acts or (4) Al l reas onabl e ex pens es incurred by t he om is s i ons i n the f urnis hi ng of t hes e i ns ured at our reques t t o as s is t us in t he s erv i ces t o any one pers on w i ll be i nv es ti gati on or def ens e of the clai m or cons i dered one "occurrence". "s ui t", i ncludi ng act ual los s of earni ngs 2. M EDICA L EXPENSES up to $500 a day becaus e of ti m e of f I nsu rin g A greemen t f rom w ork. a. W e w il l pay m edical ex pens es as des cri bed (5) Al l cos t s tax ed agains t t he i ns ured i n bel ow f or "bodi ly i njury" caus ed by an t he "s ui t". acci dent: (6) Prej udgm ent int eres t aw arded agains t (1) O n prem is es you ow n or rent ; t he i ns ured on that part of the j udgm ent w e pay. If w e m ake an of f er to pay t he (2) O n w ays nex t t o prem is es you ow n or appl icabl e l im it of ins urance, w e w il l not rent ; or pay any prej udgm ent i nteres t bas ed on (3) Becaus e of your operat ions ; t h at peri od of t im e af ter the of f er. prov i ded t hat : (7) Al l int eres t on t he f ul l am ount of any (1) T he acci dent takes place in t he j udgm ent that accrues af t er entry of t he "cov erage terri tory" and duri ng t he j udgm ent and bef ore w e hav e paid, pol icy period; of f ered to pay, or depos i ted in court t he part of t he judgm ent that i s w i thi n t he (2) T he ex pens es are incurred and report ed appl icabl e l im it of i ns urance. t o us w it hin three years of t he date of t he acci dent; and (1) (7) Any am ounts paid under through abov e w il l not reduce t he l im it s of i ns urance. (3) T he i njured pers on s ubm i ts t o ex am inat ion, at our ex pens e, by phys i cians of our choi ce as of t en as w e reas onabl y requi re. Pag e 2 of 24 F orm SS 00 08 04 05 BUSI NESS L IA BI LI T Y COVERA G E F ORM b . I f w e def end an ins ured agains t a "s uit " S o l o n g a s t h e a b o v e c o n d i t i o n s a r e m e t , and an i ndem ni tee of the i ns ured is al s o a t t o r n e y s' f e e s i n c u r r e d b y u s i n t h e nam ed as a party t o the "s ui t", w e w i ll d e f e n se o f t h a t i n d e m n i t e e , n e c e ssa r y def end that indem nit ee if all of t he l i t i g a t i o n e x p e n se s i n c u r r e d b y u s a n d f oll ow ing condit ions are m et: n e c e ssa r y l i t i g a t i o n e x p e n se s i n c u r r e d b y t h e i n d e m n i t e e a t o u r r e q u e st wi l l b e (1) T he "s uit " agains t the indem nit ee p a i d a s S u p p l e m e n t a r y P a y m e n t s. s eeks dam ages f or w hi ch t he i ns ured has as s um ed the li abil it y of t he Not w it hs tandi ng the prov is i ons of 1. b. (b) B. i ndem ni tee in a contract or agreem ent Paragraph of Sect ion t hat is an "i ns ured cont ract"; Ex cl us ions , s uch paym ent s w il l not be deem ed to be dam ages f or "bodil y (2) T his ins urance appli es t o s uch li abil it y i njury" and "propert y dam age" and w i ll as s um ed by the ins ured; not reduce the Lim it s of I ns urance. (3) T he obl igat ion to def end, or t he cos t of O ur obl igat ion to def end an i ns ured's t he def ens e of , t hat i ndem ni tee, has i ndem ni tee and t o pay f or at torneys ' f ees al s o been as s um ed by t he i ns ured i n and neces s ary l it igat ion ex pens es as t he s am e "i ns ured cont ract"; Suppl em ent ary Paym ents ends w hen: (4) T he all egati ons in t he "s ui t" and t he (1) W e hav e us ed up the appli cable l im it i nf orm ati on w e know about t he of ins urance i n the paym ent of "occurrence" are s uch that no conf l ict j udgm ent s or s ett lem ents ; or appears to ex i s t bet w een the i nteres t s (2) of t he i ns ured and the int eres t of t he T h e c o n d i t i o n s se t f o r t h a b o v e , o r t h e i ndem ni tee; t e r m s o f t h e a g r e e m e n t d e sc r i b e d i n ( 6 ) P a r a g r a p h a b o v e , a r e n o l o n g e r m e t . (5) T he indem nit ee and the i ns ured as k B. EX CL US I ONS us t o conduct and cont rol t he def ens e of that indem nit ee agains t s uch "s uit " 1. A p pl icab le T o Bu sin ess L iab il ity Coverag e and agree t hat w e can as s i gn the T his ins urance does not appl y t o: s am e couns el t o def end t he i ns ured and the indem nit ee; and a. Exp ected Or In tend ed In ju ry (6) T he i ndem ni tee: (1) "Bodi ly i njury" or "propert y dam age" ex pect ed or int ended f rom t he (a) Agrees in w rit ing to: s t andpoint of t he i ns ured. Thi s (i ) Cooperat e w i th us in t he ex cl us ion does not apply to "bodil y i nv es ti gati on, s ett lem ent or i njury" or "propert y dam age" res ul ti ng def ens e of t he "s ui t"; f rom t he us e of reas onabl e f orce t o (i i) I m m ediat ely s end us copies of prot ect pers ons or property; or any dem ands , not ices , (2) " P e r so n a l a n d a d v e r t i si n g i n j u r y " a r i si n g s um m ons es or l egal papers o u t o f a n o f f e n se c o m m i t t e d b y , a t t h e recei v ed i n connect ion w it h d i r e c t i o n o f o r wi t h t h e c o n se n t o r t he "s ui t"; a c q u i e sc e n c e o f t h e i n su r e d wi t h t h e (i ii ) Not if y any other ins urer w hos e e x p e c t a t i o n o f i n f l i c t i n g " p e r so n a l a n d cov erage is av ai labl e to t he a d v e r t i si n g i n j u r y " . i ndem ni tee; and b . Co ntractu al Li abi li ty (i v) Cooperat e w it h us w it h (1) " B o d i l y i n j u r y " o r " p r o p e r t y d a m a g e " ; o r res pect t o coordi nati ng ot her (2) "Pers onal and adv erti s ing inj ury" appl icabl e ins urance av ai labl e t o t he i ndem ni tee; and f or w hich t he ins ured i s obli gated to pay dam ages by re as on of the as s um pti on of (b ) Prov i des us w i th w ri tt en l iabi li ty in a cont ract or agreem ent. aut horizat ion to: T his ex clus i on does not apply t o li abil it y (i ) O btai n records and ot her f or dam ages becaus e of : i nf orm ati on relat ed to t he "s ui t"; and (a) " B o d i l y i n j u r y " , " p r o p e r t y d a m a g e " o r " p e r so n a l a n d a d v e r t i si n g i n j u r y " t h a t (i i) Conduct and cont rol t he t h e i n su r e d wo u l d h a v e i n t h e def ens e of t he indem nit ee i n a b se n c e o f t h e c o n t r a c t o r s uch "s uit ". a g r e e m e n t ; o r F orm SS 00 08 04 05 Pag e 3 of 24 BUSI NESS L IA BI LI T Y COVERA G E F ORM (b ) (b ) " B o d i l y i n j u r y " o r " p r o p e r t y d a m a g e " P e r f o r m i n g d u t i e s r e l a t e d t o t h e a ssu m e d i n a c o n t r a c t o r a g r e e m e n t c o n d u c t o f t h e i n su r e d s b u si n e ss , o r t h a t i s a n " i n su r e d c o n t r a c t " , (2) T he s pous e, chil d, parent , brot her or p r o v i d e d t h e " b o d i l y i n j u r y " o r s i s ter of that "em ployee" as a " p r o p e r t y d a m a g e " o c c u r s (1) cons equence of abov e. su b se q u e n t t o t h e e x e c u t i o n o f t h e T his ex clus i on appl ies : c o n t r a c t o r a g r e e m e n t . S o l e l y f o r (1) W hether t he ins ured m ay be li able as t h e p u r p o se o f l i a b i l i t y a ssu m e d i n an em ployer or in any ot her capaci ty; a n " i n su r e d c o n t r a c t " , r e a so n a b l e and a t t o r n e y s' f e e s a n d n e c e ssa r y l i t i g a t i o n e x p e n se s i n c u r r e d b y o r f o r (2) T o any obli gati on to s hare dam ages a p a r t y o t h e r t h a n a n i n su r e d a r e w i th o r repay s om eone els e w ho m us t d e e m e d t o b e d a m a g e s b e c a u se o f pay dam ages becaus e of t he i njury. " b o d i l y i n j u r y " o r " p r o p e r t y d a m a g e " T his ex clus i on does not apply t o li abil it y p r o v i d e d : as s um ed by the i ns ured under an "i ns ured (i ) L i a b i l i t y t o su c h p a r t y f o r , o r f o r cont ract". t h e c o st o f , t h a t p a r t y s d e f e n se f. Po ll uti on h a s a l so b e e n a ssu m e d i n t h e (1) "Bodi ly i njury", "property dam age" or sa m e " i n su r e d c o n t r a c t " , a n d "pers onal and adv erti s ing inj ury" (i i) Such at torneys ' f ees and ari s ing out of the actual , all eged or l it igat ion ex pens es are f or t hreatened di s charge, di s pers al, def ens e of t hat party agains t a s eepage, m i grati on, rel eas e or es cape ci v il or alt ernati v e dis put e of "pol lut ants ": res ol uti on proceedi ng i n w hi ch (a) At or f rom any prem i s es , s it e or dam ages to w hi ch thi s l ocat ion w hich i s or w as at any i ns urance appl ies are al leged. t im e ow ned or occupied by, or c. L iq uo r L iab il ity rent ed or loaned t o any ins ured. "Bodi ly inj ury" or "propert y dam age" f or How ev er, thi s s ubparagraph does w hi ch any ins ured m ay be held l iabl e by not appl y t o: reas on of : (i ) " B o d i l y i n j u r y " i f su st a i n e d wi t h i n (1) Caus i ng or contri buti ng to t he a b u i l d i n g a n d c a u se d b y i ntox i cat ion of any pers on; sm o k e , f u m e s, v a p o r o r so o t p r o d u c e d b y o r o r i g i n a t i n g f r o m (2) T h e f u r n i sh i n g o f a l c o h o l i c b e v e r a g e s t o e q u i p m e n t t h a t i s u se d t o h e a t , a p e r so n u n d e r t h e l e g a l d r i n k i n g a g e o r c o o l o r d e h u m i d i f y t h e b u i l d i n g , u n d e r t h e i n f l u e n c e o f a l c o h o l ; o r o r e q u i p m e n t t h a t i s u se d t o (3) Any s t atut e, ordinance or regul ati on h e a t wa t e r f o r p e r so n a l u se , b y rel ati ng t o the s al e, gi f t , di s tri buti on or t h e b u i l d i n g ' s o c c u p a n t s o r t h e i r us e of alcohol ic bev erages . g u e st s; T h i s e x c l u si o n a p p l i e s o n l y i f y o u a r e i n t h e (i i) " B o d i l y i n j u r y " o r " p r o p e r t y b u si n e ss o f m a n u f a c t u r i n g , d i st r i b u t i n g , d a m a g e " f o r wh i c h y o u m a y b e se l l i n g , se r v i n g o r f u r n i sh i n g a l c o h o l i c h e l d l i a b l e , i f y o u a r e a b e v e r a g e s. c o n t r a c t o r a n d t h e o wn e r o r d . Workers' Comp ensati on A n d Si mil ar l e sse e o f su c h p r e m i se s, si t e o r L aws l o c a t i o n h a s b e e n a d d e d t o y o u r Any obl igat ion of the i ns ured under a p o l i c y a s a n a d d i t i o n a l i n su r e d w orkers ' com pens at ion, dis abi li ty benef it s wi t h r e sp e c t t o y o u r o n g o i n g or unem pl oym ent com pens ati on law or o p e r a t i o n s p e r f o r m e d f o r t h a t any s im il ar l aw . a d d i t i o n a l i n su r e d a t t h a t p r e m i se s, si t e o r l o c a t i o n a n d e. Emp lo yers Li abi li ty su c h p r e m i se s, si t e o r l o c a t i o n "Bodi ly inj ury" t o: i s n o t a n d n e v e r wa s o wn e d o r (1) An "em ployee" of the i ns ured aris i ng o c c u p i e d b y , o r r e n t e d o r out of and in the cours e of : l o a n e d t o , a n y i n su r e d , o t h e r (a) Em ploym ent by t he i ns ured; or t h a n t h a t a d d i t i o n a l i n su r e d ; o r Pag e 4 of 24 F orm SS 00 08 04 05 BUSI NESS L IA BI LI T Y COVERA G E F ORM (i ii ) "Bodi ly i njury" or "propert y rel eas ed as part of t he dam age" aris i ng out of heat, operat ions bei ng perf orm ed s m oke or f um es f rom a by s uch ins ured, contract or or "hos t il e f ire"; s ubcont ractor; (b ) (i i) At or f rom any prem i s es , s it e or "B o d i l y i n j u r y " o r " p r o p e r t y l ocat ion w hich i s or w as at any d a m a g e " su st a i n e d wi t h i n a t im e us ed by or f or any i ns ured or b u i l d i n g a n d c a u se d b y t h e ot hers f or t he handl ing, s torage, r e l e a se o f g a se s, f u m e s o r di s pos al, proces s ing or treat m ent v a p o r s f r o m m a t e r i a l s b r o u g h t of w as t e; i n t o t h a t b u i l d i n g i n c o n n e c t i o n wi t h o p e r a t i o n s b e i n g p e r f o r m e d (c) W hich are or w ere at any t im e b y y o u o r o n y o u r b e h a l f b y a t rans ported, handled, s tored, c o n t r a c t o r o r su b c o n t r a c t o r ; o r t reated, dis pos ed of , or proces s ed (i ii ) as w as te by or f or: "Bodi ly i njury" or "propert y dam age" aris i ng out of heat, (i ) Any ins ured; or s m oke or f um es f rom a (i i) Any pers on or organi zati on f or "hos t il e f ire"; or w hom you m ay be l egall y (e) A t o r f r o m a n y p r e m i se s, si t e o r res pons i ble; l o c a t i o n o n wh i c h a n y i n su r e d o r a n y (d ) At or f rom any prem i s es , s it e or c o n t r a c t o r s o r su b c o n t r a c t o r s l ocati on on w hich any i ns ured or wo r k i n g d i r e c t l y o r i n d i r e c t l y o n a n y any contract ors or s ubcontract ors i n su r e d s b e h a l f a r e p e r f o r m i n g w orki ng di rectl y or indi rectl y on o p e r a t i o n s i f t h e o p e r a t i o n s a r e t o any ins ured's behalf are t e st f o r , m o n i t o r , c l e a n u p , r e m o v e , perf orm i ng operat ions if t he c o n t a i n , t r e a t , d e t o x i f y o r n e u t r a l i z e , "pol lut ants " are brought on or t o o r i n a n y wa y r e sp o n d t o , o r a sse ss t he prem is es , s i te or locat ion i n t h e e f f e c t s o f , " p o l l u t a n t s" . connect ion w i th s uch operati ons (2) Any los s , cos t or ex pens e ari s ing out by s uch i ns ured, cont ractor or of any: s ubcont ractor. How ev er, thi s (a) s ubparagraph does not appl y t o: R e q u e st , d e m a n d , o r d e r o r st a t u t o r y o r r e g u l a t o r y r e q u i r e m e n t t h a t a n y (i ) "B od i l y i n j ur y" or "p ro pe rt y i n su r e d o r o t h e r s t e st f o r , m o n i t o r , d am a ge " ar i s i n g o ut o f t he c l e a n u p , r e m o v e , c o n t a i n , t r e a t , e s c ap e o f f ue l s , l u br i ca nt s or d e t o x i f y o r n e u t r a l i z e , o r i n a n y wa y o t h er o pe ra t i ng f l u i ds w h i ch ar e r e sp o n d t o , o r a sse ss t h e e f f e c t s o f , n ee de d t o p er f or m t h e no rm a l " p o l l u t a n t s" ; o r e l ec t ri c al , hy dr au l i c or (b ) m e ch an i ca l f un ct i o ns Cl aim or s uit by or on behalf of a n ec ess a ry f or t he op er at i o n o f gov ernm ental authori ty f or " m ob i l e e qu i pm e nt " or i t s pa rt s, dam ages becaus e of tes t ing f or, i f suc h f u el s, l u br i ca nt s o r ot h er m on i t oring, cl eaning up, rem ov ing, o pe ra t i ng f l u i ds e s c ap e f r om a cont aini ng, t reati ng, det ox if ying or v eh i cl e p ar t d esi gn ed t o h ol d , neut rali zing, or i n any w ay st or e or r ec ei v e t he m . T hi s res pondi ng t o, or as s es s i ng t he e x c ep t i on d oe s no t a pp l y i f t he ef f ect s of , "poll utant s ". " bo di l y i nj u ry " o r "p ro pe rt y How ev er, thi s paragraph does not d am a ge " a ri ses ou t of t he appl y t o l iabi li ty f or dam ages becaus e i n t en t i on al di sch ar ge , d i s p er s a l of "property dam age" that t he i ns ured o r r el e ase o f t he f u el s, w oul d hav e i n the abs ence of s uch l u br i ca nt s or ot h er o pe ra t i ng reques t , dem and, order or s t atut ory or f l u i ds, or i f s u ch f u el s, regul atory requi rem ent , or s uch cl aim l u br i ca nt s or ot h er o pe ra t i ng or "s uit " by or on behalf of a f l u i ds ar e b ro ug ht o n o r t o t he gov ernm ental aut horit y. p re m i s e s , si t e o r l o ca t i on w i t h t h e i n t en t t ha t t he y be d i s c ha rg ed , d i s p er s e d or F orm SS 00 08 04 05 Pag e 5 of 24 BUSI NESS L IA BI LI T Y COVERA G E F ORM g . A i rcraft, A u to Or W atercraft (2) T he us e of "m obil e equi pm ent " i n, or w hi le in practi ce or preparati on f or, a " B o d i l y i n j u r y " o r " p r o p e r t y d a m a g e " a r i si n g prearranged racing, s peed or o u t o f t h e o wn e r sh i p , m a i n t e n a n c e , u se o r dem oli ti on cont es t or i n any s t unti ng e n t r u st m e n t t o o t h e r s o f a n y a i r c r a f t , " a u t o " act iv i ty. o r wa t e r c r a f t o wn e d o r o p e r a t e d b y o r r e n t e d i . War o r l o a n e d t o a n y i n su r e d . U se i n c l u d e s o p e r a t i o n a n d " l o a d i n g o r u n l o a d i n g " . " B o d i l y i n j u r y " , " p r o p e r t y d a m a g e " o r T h i s e x c l u si o n a p p l i e s e v e n i f t h e c l a i m s " p e r so n a l a n d a d v e r t i si n g i n j u r y " , h o we v e r a g a i n st a n y i n su r e d a l l e g e n e g l i g e n c e o r c a u se d , a r i si n g , d i r e c t l y o r i n d i r e c t l y , o u t o f : o t h e r wr o n g d o i n g i n t h e su p e r v i si o n , h i r i n g , (1) W ar, incl uding undeclared or ci v il w ar; e m p l o y m e n t , t r a i n i n g o r m o n i t o r i n g o f o t h e r s (2) W arli ke acti on by a m i li tary f orce, b y t h a t i n su r e d , i f t h e " o c c u r r e n c e " wh i c h i ncludi ng act ion i n hinderi ng or c a u se d t h e " b o d i l y i n j u r y " o r " p r o p e r t y def ending agai ns t an act ual or d a m a g e " i n v o l v e d t h e o wn e r sh i p , ex pect ed att ack, by any gov ernm ent, m a i n t e n a n c e , u se o r e n t r u st m e n t t o o t h e r s o f s ov erei gn or other a ut horit y us ing a n y a i r c r a f t , " a u t o " o r wa t e r c r a f t t h a t i s m il it ary pers onnel or other agents ; or o wn e d o r o p e r a t e d b y o r r e n t e d o r l o a n e d t o (3) I ns urrecti on, rebell ion, rev olut ion, a n y i n su r e d . us urped pow er, or acti on taken by T his ex clus i on does not apply to: gov ernm ental aut horit y i n hinderi ng or (1) A w at ercraf t w hil e as hore on prem is es def ending agains t any of t hes e. you ow n or rent; j . Pro fessio nal Servi ces (2) A w atercraf t you do not ow n t hat is : "Bodi ly i njury", "property dam age" or (a) Les s than 51 f eet long; and "pers onal and adv ert is i ng inj ury" aris i ng out of t he renderi ng of or f ai lure t o render (b ) Not bei ng us ed t o carry pers ons any prof es s ional s erv ice. Thi s incl udes f or a charge; but i s not l im it ed t o: (3) Parki ng an "auto" on, or on t he w ays (1) L e g a l , a c c o u n t i n g o r a d v e r t i si n g nex t to, prem i s es you ow n or rent, se r v i c e s ; prov i ded t he "aut o" i s not ow ned by or rent ed or loaned to you or the ins ured; (2) P r e p a r i n g , a p p r o v i n g , o r f a i l i n g t o p r e p a r e o r a p p r o v e m a p s, sh o p (4) Li abil it y as s um ed under any "i ns ured d r a wi n g s, o p i n i o n s, r e p o r t s, su r v e y s, cont ract" f or the ow ners hip, f i e l d o r d e r s, c h a n g e o r d e r s, d e si g n s o r m aint enance or us e of ai rcraf t or d r a wi n g s a n d sp e c i f i c a t i o n s; w at ercraf t ; (3) Superv i s ory, ins pect ion, archit ectural (5) "Bodi ly i njury" or "propert y dam age" or engineeri ng act iv i ti e s ; ari s ing out of t he operat ion of any of f. (2) t he equi pm ent l is t ed in Paragraph (4) M edical , s urgi cal, dental , x -ray or f. (3) or of the def ini ti on of "m obi le nurs i ng s erv ices treat m ent , adv ice or equi pm ent "; or i ns truct ion; (6) A n a i r c r a f t t h a t i s n o t o wn e d b y a n y (5) Any healt h or therapeut ic s erv i ce i n su r e d a n d i s h i r e d , c h a r t e r e d o r l o a n e d t reatm ent, adv i ce or ins t ructi on; wi t h a p a i d c r e w. H o we v e r , t h i s (6) Any s erv ice, treat m ent , adv i ce or e x c e p t i o n d o e s n o t a p p l y i f t h e i n su r e d i ns truct ion f or the purpos e of h a s a n y o t h e r i n su r a n c e f o r su c h " b o d i l y appearance or s ki n enhancem ent, hai r i n j u r y " o r " p r o p e r t y d a m a g e " , wh e t h e r rem ov al or replacem ent or pers onal t h e o t h e r i n su r a n c e i s p r i m a r y , e x c e ss, groom ing; c o n t i n g e n t o r o n a n y o t h e r b a si s. (7) O pti cal or heari ng ai d s erv i ces h . M ob il e Eq ui pmen t i ncludi ng the pres cri bing, preparat ion, "Bodi ly i njury" or "propert y dam age" f it ti ng, dem ons t rati on or dis t ribut ion of ari s ing out of : opht halm ic l ens es and s im il ar product s or hearing aid dev ices ; (1) T h e t r a n sp o r t a t i o n o f " m o b i l e e q u i p m e n t " b y a n " a u t o " o wn e d o r o p e r a t e d b y o r r e n t e d o r l o a n e d t o a n y i n su r e d ; o r Pag e 6 of 24 F orm SS 00 08 04 05 BUSI NESS L IA BI LI T Y COVERA G E F ORM (8) (1) (3) (4) O p t o m e t r y o r o p t o m e t r i c se r v i c e s Paragraphs , and of thi s i n c l u d i n g b u t n o t l i m i t e d t o e x a m i n a t i o n ex cl us ion do not appl y t o "propert y o f t h e e y e s a n d t h e p r e sc r i b i n g , dam age" (ot her t han dam age by f ire) t o p r e p a r a t i o n , f i t t i n g , d e m o n st r a t i o n o r prem is es , i ncludi ng the cont ents of s uch d i st r i b u t i o n o f o p h t h a l m i c l e n se s a n d prem is es , rented t o you f or a peri od of 7 or si m i l a r p r o d u c t s; f ew er cons e cut iv e days . A s eparat e Li m i t of Ins urance appl ies t o Dam age T o (9) Any: Prem is es Rent ed To You as des cri bed i n (a) Body pierci ng (not i ncludi ng ear D. Sect ion - Lim it s O f Ins urance. pi ercing); (2) Paragraph of thi s ex clus i on does not (b ) T at tooi ng, incl uding but not li m i ted appl y i f t he prem i s es are "your w ork" and t o t he i ns erti on of pi gm ent s i nto or w ere nev er occupi ed, rented or held f or under the s kin; and rent al by you. (c) Si m i lar s erv ices ; (3) (4) Paragraphs and of thi s ex cl us ion do (10) Serv i ces i n t he pract ice of pharm acy; not appl y t o t he us e of elev at ors . and (3) (4) (5) (6) Paragraphs , , and of thi s (11) Com puter cons ult ing, des i gn or ex cl us ion do not apply to li abil it y as s um ed program m i ng s erv ices , incl uding w eb under a s i detrack agreem ent . s i te des ign. (3) (4) Paragraphs and of thi s ex cl us ion do (4) (5) Paragraphs and of thi s ex cl us ion do not apply t o "property dam age" t o not appl y t o t he I ncident al M edical borrow ed equipm ent w hil e not bei ng us ed M alpract ice cov erage af f orded under t o perf orm operati ons at a job s it e. 1. e. A . Paragraph in Secti on - Cov erages . (6) Paragraph of thi s ex clus i on does not k. Damag e T o Prop erty appl y to "propert y dam age" incl uded i n t he "product s -com plet ed operat ions hazard". "Propert y dam age" t o: l . Damag e T o You r Pro du ct (1) Propert y you ow n, rent or occupy, i ncludi ng any cos t s or ex pens es "Propert y dam age" to "your product " i ncurred by you, or any other pers on, ari s ing out of it or any part of i t. organi zati on or enti ty, f or repair, m. Damag e T o You r Work repl acem ent , enhancem ent, "Propert y dam age" t o "your w ork" aris i ng res t orat ion or m aint enance of s uch out of i t or any part of it and incl uded i n t he propert y f or any reas on, i ncludi ng "product s -com plet ed operat ions hazard". prev ent ion of i njury t o a pers on or dam age t o anot her's propert y; T his ex cl us ion does not a ppl y i f the dam aged w ork or the w ork out of w hi ch (2) P r e m i se s y o u se l l , g i v e a wa y o r t he dam age ari s es w as perf orm ed on your a b a n d o n , i f t h e " p r o p e r t y d a m a g e " a r i se s behal f by a s ubcontract or. o u t o f a n y p a r t o f t h o se p r e m i se s; n . Damag e T o I mpai red Prop erty O r (3) Propert y l oaned t o you; Pro perty Not Physi call y I nj ured (4) Pers onal property i n the care, cus t ody "Propert y dam age" t o "i m pai red propert y" or control of t he i ns ured; or propert y that has not been phys i call y (5) T h a t p a r t i c u l a r p a r t o f r e a l p r o p e r t y o n i njured, ari s ing out of : wh i c h y o u o r a n y c o n t r a c t o r s o r (1) A def ect , def i ciency, i nadequacy or su b c o n t r a c t o r s wo r k i n g d i r e c t l y o r dangerous condi ti on in "your product " i n d i r e c t l y o n y o u r b e h a l f a r e p e r f o r m i n g or "your w ork"; or o p e r a t i o n s, i f t h e " p r o p e r t y d a m a g e " (2) a r i se s o u t o f t h o se o p e r a t i o n s; o r A delay or f ail ure by you or anyone act ing on your behal f t o perf orm a (6) T hat parti cular part of any propert y cont ract or agreem ent in accordance t hat m us t be res t ored, repaired or w i th it s t erm s . repl aced becaus e "your w ork" w as i ncorrectl y perf orm ed on i t. T his ex clus i on does not apply t o the l os s of us e of other propert y aris i ng out of s udden and acci dental phys ical inj ury t o "your product " or "your w ork" af t er i t has been put to it s i ntended us e. F orm SS 00 08 04 05 Pag e 7 of 24 BUSI NESS L IA BI LI T Y COVERA G E F ORM o . Recal l Of Prod ucts, Work O r Imp aired (c) T it le of any l it erary or arti s ti c w ork; Pro perty (8) Ari s ing out of an of f ens e com m it ted by Dam ages cl aim ed f or any l os s , cos t or an ins ured w hos e bus i nes s i s : (a) ex pens e i ncurred by you or ot hers f or t he Adv ert is i ng, broadcas t ing, l os s of us e, w i thdraw al , recal l, ins pect ion, publ is hi ng or tel ecas ti ng; repai r, replacem ent, adj us tm ent, rem ov al (b ) Des i gning or det erm i ning content or dis pos al of : of w eb s it es f or ot hers ; or (1) "Your product"; (c) An I nternet s earch, acces s , (2) "Your w ork"; or cont ent or s erv i ce prov i der. (3) "I m pai red propert y"; How ev er, thi s ex cl us ion does not i f s uch product , w ork or propert y i s a. b . c. appl y t o Paragraphs , a nd w i thdraw n or recal led f rom t he m arket or under t he def i nit ion of "pers onal and f rom us e by any pers on or organi zati on G . adv ert is i ng i njury" in Secti on becaus e of a know n or s us pected def ect, Li abil it y And Medi cal Ex pens es def ici ency, inadequacy or dangerous Def ini ti ons . condi ti on i n i t. F or t he purpos es of t his ex cl us ion, p . Perso nal A n d A dverti sin g In ju ry pl acing an "adv ert is em ent" f or or l inki ng t o ot hers on your w eb s i te, by "Pers onal and adv erti s ing inj ury": i ts el f , i s not cons i der ed t he bus ines s (1) Ari s ing out of oral, w rit ten or el ectroni c of adv erti s ing, broadcas t ing, publ icat ion of m at erial , i f done by or at publ is hi ng or tel ecas ti ng; t he direct ion of the i ns ured w it h (9) Ari s ing out of an el ectroni c chat room know l edge of i ts f al s it y; or bull eti n board the ins ured hos ts , (2) Ari s ing out of oral, w rit ten or el ectroni c ow ns , or ov er w hi ch the i ns ured publ icat ion of m at erial w hos e f irs t ex erci s es cont rol; publ icat ion took pl ace bef ore t he (10) A r i si n g o u t o f t h e u n a u t h o r i z e d u se o f begi nning of the poli cy peri od; a n o t h e r ' s n a m e o r p r o d u c t i n y o u r e - m a i l (3) Ari s ing out of a crim inal act com m i tt ed a d d r e ss, d o m a i n n a m e o r m e t a t a g s, o r by or at t he di recti on of t he i ns ured; a n y o t h e r si m i l a r t a c t i c s t o m i sl e a d (4) Ari s ing out of any breach of cont ract, a n o t h e r ' s p o t e n t i a l c u st o m e r s; ex cept an im pli ed cont ract to us e (11) Ari s ing out of the v iol ati on of a anot hers "adv erti s ing idea" in your pers on's right of priv acy creat ed by "adv ert is em ent"; any s tat e or f ederal act . (5) Ari s ing out of the f ail ure of goods , How ev er, thi s ex cl us ion does not product s or s erv ices t o conf orm w it h appl y to l iabi li ty f or dam ages that t he any s t atem ent of quali ty or i ns ured w ould hav e i n the abs ence of perf orm ance m ade in your s uch s tat e or f ederal act ; "adv ert is em ent"; (12) Ari s ing out of : (6) A r i si n g o u t o f t h e wr o n g d e sc r i p t i o n o f (a) An "adv erti s em ent " f or ot hers on t h e p r i c e o f g o o d s, p r o d u c t s o r se r v i c e s; your w eb s i te; (7) Ari s ing out of any v i olat ion of any (b ) Pl acing a l ink t o a w eb s it e of i ntel lect ual property right s s uch as ot hers on your w eb s it e; copyri ght, pat ent, t radem ark, t rade nam e, trade s ecret, s erv i ce m ark or (c) C o n t e n t f r o m a we b si t e o f o t h e r s ot her des ignat ion of origi n or d i sp l a y e d wi t h i n a f r a m e o r b o r d e r aut hent ici ty. o n y o u r we b si t e . C o n t e n t i n c l u d e s i n f o r m a t i o n , c o d e , so u n d s, t e x t , How ev er, thi s ex cl us ion does not g r a p h i c s o r i m a g e s; o r appl y t o i nf ri ngem ent , i n your "adv ert is em ent ", of (d ) Com puter code, s of t w are or program m i ng us ed to enable: (a) Copyri ght; (i ) Your w eb s i te; or (b ) Sl ogan, unl es s the s l ogan i s al s o a tradem ark, trade nam e, s erv i ce (i i) T h e p r e se n t a t i o n o r f u n c t i o n a l i t y m ark or other des i gnati on of origi n o f a n " a d v e r t i se m e n t " o r o t h e r or authent ici ty; or c o n t e n t o n y o u r we b si t e ; Pag e 8 of 24 F orm SS 00 08 04 05 BUSI NESS L IA BI LI T Y COVERA G E F ORM (13) (a) Ari s ing out of a v i olat ion of any anti - M ay be aw arded or incurred by t rus t law ; reas on of any clai m or s uit al legi ng actual or threat ened inj ury (14) Ari s ing out of the f luct uati on in pri ce or or dam age of any nat ure or kind t o v al ue of any s t ocks , bonds or ot her pers ons or propert y w hich w oul d s ecuri t ies ; or not hav e occurred in w hole or i n (15) Ari s ing out of dis cri m i nati on or part but f or t he "as bes t os hazard"; hum il iat ion com m i tt ed by or at t he (b ) Ari s e out of any reques t, dem and, di recti on of any "ex ecut iv e of f icer", order or s t atut ory or regulat ory di rector, s t ockholder, part ner or requi rem ent that any ins ured or m em ber of the ins ured. ot hers tes t f or, m oni tor, cl ean up, q . El ectron ic Data rem ov e, enca ps ul ate, contai n, Dam ages ari s ing out of the los s of , l os s of t reat, det ox if y or neutral ize or i n us e of , dam age t o, corrupt ion of , i nabil it y any w ay res pond t o or as s es s t he t o acces s , or inabi li ty to m ani pulat e ef f ect s of an "a s bes t os hazard"; or "el ect ronic data". (c) A r i se o u t o f a n y c l a i m o r su i t f o r r. Emp lo yment-Rel ated Practices d a m a g e s b e c a u se o f t e st i n g f o r , m o n i t o r i n g , c l e a n i n g u p , r e m o v i n g , "Bodi ly inj ury" or "pers onal and adv ert is i ng e n c a p su l a t i n g , c o n t a i n i n g , t r e a t i n g , i njury" to: d e t o x i f y i n g o r n e u t r a l i z i n g o r i n a n y (1) A pers on ari s ing out of any: wa y r e sp o n d i n g t o o r a sse ssi n g t h e (a) Ref us al to em pl oy t hat pers on; e f f e c t s o f a n " a sb e st o s h a z a r d " . (b ) T erm i nati on of t hat pers on's t. Vi ol atio n O f Statutes T hat G overn E - em ploym ent; or M ail s, F ax, Ph on e Cal ls Or Oth er M etho ds Of Sen di ng Materi al O r (c) E m p l o y m e n t - r e l a t e d p r a c t i c e s, I nfo rmatio n p o l i c i e s, a c t s o r o m i ssi o n s, su c h a s c o e r c i o n , d e m o t i o n , e v a l u a t i o n , "Bodi ly i njury", "property dam age", or r e a ssi g n m e n t , d i sc i p l i n e , "pers onal and adv ert is i ng inj ury" aris i ng d e f a m a t i o n , h a r a ssm e n t , h u m i l i a t i o n di rectl y or indi rectl y out of any act ion or o r d i sc r i m i n a t i o n d i r e c t e d a t t h a t om is s i on t hat v iol ates or i s al leged t o p e r so n ; o r v i olat e: (2) T he s pous e, chil d, parent , brot her or (1) T he Tel ephone Cons um er Prot ecti on s i s ter of that pers on as a Act (TCPA), incl uding any am endm ent cons equence of "bodil y i njury" or of or addit ion to s uch l aw ; "pers onal and adv ert is i ng inj ury" to t he (2) T he CAN-SPAM Act of 2003, i ncludi ng pers on at w hom any of t he any am endm ent of or addit ion to s uch em ploym ent-rel ated practi ces l aw ; or (a) (b) (c) des cri bed i n Paragraphs , , or (3) A n y st a t u t e , o r d i n a n c e o r r e g u l a t i o n , abov e is direct ed. o t h e r t h a n t h e T C P A o r C A N - S P A M A c t T his ex clus i on appl ies : o f 2 0 0 3 , t h a t p r o h i b i t s o r l i m i t s t h e (1) W hether t he ins ured m ay be li able as se n d i n g , t r a n sm i t t i n g , c o m m u n i c a t i n g o r an em pl oyer or i n any other capacit y; d i st r i b u t i o n o f m a t e r i a l o r i n f o r m a t i o n . and Damag e T o Premi ses Ren ted T o Yo u (2) T o any obli gati on to s hare dam ages Excep tio n F or Damag e By Fi re, Li gh tni ng w i th or repay s om eone el s e w ho m us t o r Exp lo sio n pay dam ages becaus e of t he i njury. c. h. k. o . Ex cl us ions t hrough a n d t hrough do s. A sb estos not apply t o dam age by f ire, l ight ning or ex pl os ion t o prem i s es rented t o you or (1) "Bodi ly i njury", "property dam age" or t em porari ly occupied by you w it h perm is s i on of "pers onal and adv ert is i ng i njury" t he ow ner. A s eparate Lim it of I ns urance ari s ing out of the "as bes tos hazard". appl ies t o thi s cov erage as des cri bed i n (2) A n y d a m a g e s, j u d g m e n t s, se t t l e m e n t s, D. Sect ion - Liabi li ty And Medi cal Ex pens es l o ss, c o st s o r e x p e n se s t h a t : Li m i ts Of I ns urance. F orm SS 00 08 04 05 Pag e 9 of 24 BUSI NESS L IA BI LI T Y COVERA G E F ORM 2. A p pl icab le T o M edi cal Expen ses Co verage e. A t rus t, you are an i ns ured. Your trus t ees are al s o ins ureds , but only w it h res pect t o W e w i ll not pay ex pens es f or "bodi ly inj ury": t heir duti es as trus t ees . a. A n y I nsu red 2. Each of the f ol low i ng i s al s o an ins ured: T o a n y i n su r e d , e x c e p t " v o l u n t e e r wo r k e r s" . a. Emp lo yees A n d Vol un teer Workers b . Hi red Person Your "v olunt eer w orkers " onl y w hi le T o a p e r so n h i r e d t o d o wo r k f o r o r o n b e h a l f perf orm i ng dut ies relat ed to t he conduct of o f a n y i n su r e d o r a t e n a n t o f a n y i n su r e d . your bus ines s , or your "em pl oyees ", ot her c. I nj ury On No rmall y O ccup ied Premi ses t han ei ther your "ex ecut iv e of f i cers " (if you T o a pers on inj ured on that part of are an organi zati on ot her t han a prem is es you ow n or rent t hat t he pers on part ners hip, joi nt v ent ure or li m i ted li abil it y norm all y occupi es . com pany) or your m anagers (i f you are a l im it ed li abil it y com pany), but onl y f or act s d . Workers' Comp ensati on A n d Si mil ar w i thi n t he s cope of thei r em pl oym ent by L aws you or w hil e perf orm i ng dut ies relat ed t o T o a pers on, w hether or not an t he conduct of your bus ines s . "em ployee" of any ins ured, if benef it s f or How ev er, none of t hes e "em pl oyees " or t he "bodi ly i njury" are payabl e or m us t be "v ol unteer w orkers " are ins ureds f or: prov i ded under a w orkers ' com pens ati on or di s abil it y benef it s l aw or a s i m i lar law . (1) "Bodi ly i njury" or "pers onal and adv ert is i ng i njury": e. A th leti cs A cti viti es (a) T o you, to your part ners or T o a pers on inj ured w hi le practi cing, m em bers (if you are a partners hi p i ns truct ing or parti cipat ing i n any phys ical or joi nt v enture), t o your m em bers ex erci s es or gam es , s port s or athl eti c (i f you are a l im it ed li abil it y cont es ts . com pany), or t o a co -"em ployee" f. P r o d u c t s - C o m p l e t e d O p e r a t i o n s H a z a r d w hi le in the cours e of hi s or her I ncluded w i th the "product s -com plet ed em ploym ent or per f orm i ng dut ies operat ions hazard". rel ated to the conduct of your bus i nes s , or to your ot her g . Bu sin ess L iab il ity Exclu sio ns "v ol unteer w orkers " w hil e E x c l u d e d u n d e r B u si n e ss L i a b i l i t y C o v e r a g e . perf orm i ng dut ies relat ed to t he C. WHO I S A N I NS URED conduct of your bus ines s ; 1. I f you are des ignat ed i n t he Decl arati ons as : (b ) T o the s pous e, chil d, parent, brot her or s is t er of t hat co - a. An indi v idual , you and your s pous e are "em ployee" or that "v olunt eer i ns ureds , but only w it h res pect to t he w orker" as a cons equence of conduct of a bus i nes s of w hi ch you are t he (1)(a) Paragraph abov e; s ol e ow ner. (c) F or w hich t here i s any obli gati on b . A p a r t n e r sh i p o r j o i n t v e n t u r e , y o u a r e a n t o s hare dam ages w it h or repay i n su r e d . Y o u r m e m b e r s, y o u r p a r t n e r s, a n d s om eone el s e w ho m us t pay t h e i r sp o u se s a r e a l so i n su r e d s, b u t o n l y wi t h dam ages becaus e of the inj ury r e sp e c t t o t h e c o n d u c t o f y o u r b u si n e ss. (1)(a) des cri bed in Paragraphs or c. A l i m i t e d l i a b i l i t y c o m p a n y , y o u a r e a n (b ) abov e; or i n su r e d . Y o u r m e m b e r s a r e a l so i n su r e d s, (d ) Ari s ing out of his or her prov idi ng b u t o n l y wi t h r e sp e c t t o t h e c o n d u c t o f y o u r or f ail ing t o prov ide prof es s ional b u si n e ss. Y o u r m a n a g e r s a r e i n su r e d s, b u t heal th care s erv i ces . o n l y wi t h r e sp e c t t o t h e i r d u t i e s a s y o u r m a n a g e r s. I f y o u a r e n o t i n t h e b u si n e ss o f p r o v i d i n g p r o f e ssi o n a l h e a l t h c a r e d . A n o r g a n i z a t i o n o t h e r t h a n a p a r t n e r sh i p , ( d ) se r v i c e s, P a r a g r a p h d o e s n o t a p p l y j o i n t v e n t u r e o r l i m i t e d l i a b i l i t y c o m p a n y , y o u t o a n y n u r se , e m e r g e n c y m e d i c a l a r e a n i n su r e d . Y o u r " e x e c u t i v e o f f i c e r s" a n d t e c h n i c i a n o r p a r a m e d i c e m p l o y e d b y d i r e c t o r s a r e i n su r e d s, b u t o n l y wi t h r e sp e c t y o u t o p r o v i d e su c h se r v i c e s. t o t h e i r d u t i e s a s y o u r o f f i c e r s o r d i r e c t o r s. Y o u r st o c k h o l d e r s a r e a l so i n su r e d s, b u t o n l y (2) "Propert y dam age" t o propert y: wi t h r e sp e c t t o t h e i r l i a b i l i t y a s st o c k h o l d e r s. (a) O w ned, occupied or us ed by, Pag e 10 of 24 F orm SS 00 08 04 05 BUSI NESS L IA BI LI T Y COVERA G E F ORM (b ) b . Rent ed to, in t he care, cus tody or Cov erage under t his prov is i on does not cont rol of , or ov er w hi ch phys ical appl y t o: cont rol is being ex ercis ed f or any (1) "Bodi ly i njury" or "propert y dam age" purpos e by you, any of your t hat occurred; or "em ployees ", "v ol unteer w orkers ", (2) "Pers onal and adv ert is i ng inj ury" any part ner or m em ber (if you are ari s ing out of an of f ens e com m it ted a partners hi p or joi nt v enture), or bef ore you acquired or f orm ed t he any m em ber (i f you are a l im it ed organi zati on. l iabi li ty com pany). 4. O perato r O f M ob il e Eq ui pmen t b . Real Estate Man ager W i t h r e sp e c t t o " m o b i l e e q u i p m e n t " r e g i st e r e d i n Any pers on (ot her than your "em ployee" or y o u r n a m e u n d e r a n y m o t o r v e h i c l e r e g i st r a t i o n "v ol unteer w orker"), or any organi zati on l a w, a n y p e r so n i s a n i n su r e d wh i l e d r i v i n g su c h w hi le acti ng as your real es t ate m anager. e q u i p m e n t a l o n g a p u b l i c h i g h wa y wi t h y o u r c. T empo rary Cu stod ian s O f You r p e r m i ssi o n . A n y o t h e r p e r so n o r o r g a n i z a t i o n Pro perty r e sp o n si b l e f o r t h e c o n d u c t o f su c h p e r so n i s Any pers on or organizat ion hav ing proper a l so a n i n su r e d , b u t o n l y wi t h r e sp e c t t o l i a b i l i t y t em porary cus t ody of your propert y i f you a r i si n g o u t o f t h e o p e r a t i o n o f t h e e q u i p m e n t , a n d di e, but only: o n l y i f n o o t h e r i n su r a n c e o f a n y k i n d i s a v a i l a b l e (1) W i t h r e sp e c t t o l i a b i l i t y a r i si n g o u t o f t h e t o t h a t p e r so n o r o r g a n i z a t i o n f o r t h i s l i a b i l i t y . m a i n t e n a n c e o r u se o f t h a t p r o p e r t y ; a n d H o we v e r , n o p e r so n o r o r g a n i z a t i o n i s a n i n su r e d wi t h r e sp e c t t o : (2) Unt il your legal repres ent ati v e has been appoint ed. a. "Bodi ly i njury" t o a co -"em ployee" of the pers on driv i ng t he equi pm ent ; or d . L egal Rep resentati ve I f Yo u Die b . "Propert y dam age" t o property ow ned by, Your l egal repres entat iv e if you die, but rent ed to, in the charge of or occu pi ed by onl y w i th res pect to dut ies as s uch. That you or t he em pl oyer of any pers on w ho i s repres ent ati v e w il l hav e al l your ri ghts and an ins ured under t his prov is i on. dut ies under t his ins urance. 5. O perato r o f No no wn ed W atercraft e. Un named Su bsi di ary W it h res pect t o w atercraf t you do not ow n that Any s ubs idi ary and s ubs idi ary thereof , of i s l es s t han 51 f eet l ong and is not being us ed yours w hi ch is a legal ly incorporat ed ent it y t o carry pers ons f or a charge, any pers on is an of w hi ch you ow n a f i nancial int eres t of i ns ured w hil e operati ng s uch w atercraf t w it h m ore than 50% of t he v ot ing s tock on t he your perm is s i on. Any ot her pers on or ef f ect iv e date of thi s Cov erage Part. organi zati on res pons i ble f or the conduct of T he i ns urance af f orded herein f or any s uch pers on i s al s o an ins ured, but onl y w it h s ubs i diary not s how n in t he Declarat ions res pect t o l iabi li ty ari s ing out of t he operati on as a nam ed ins ured does not apply t o of t he w at ercraf t , and onl y i f no other i njury or dam age w it h res pect to w hich an i ns urance of any kind is av ail able t o that i ns ured under thi s i ns urance i s al s o an pers on or organi zati on f or t his li abil it y. i ns ured under another poli cy or w ould be How ev er, no pers on or organizat ion i s an an ins ured under s uch poli cy but f or it s i ns ured w i th r es pect t o: t erm i nati on or upon t he ex haus t ion of it s l im it s of i ns urance. a. "Bodi ly i njury" t o a co -"em ployee" of the pers on operati ng t he w at ercraf t ; or 3. New ly A cqu ired O r F ormed O rgan izati on b . "Propert y dam age" to propert y ow ned by, Any organizat ion you new l y acqui re or f orm , rent ed to, in the charge of or occupied by ot her t han a part ners hip, joi nt v ent ure or you or t he em pl oyer of any pers on w ho i s l im it ed li abil it y com pany, and ov er w hich you an ins ured under t his prov i s i on. m aint ain f inanci al i nteres t of m ore than 50% of t he v ot ing s tock, w i ll qual if y as a Nam ed 6. A d di tio nal In sured s W h en Req ui red By I ns ured i f there is no ot her s i m i lar i ns urance Written Con tract, Written A greemen t O r av ai labl e t o t hat organizat ion. How ev er: Permi t a. Cov erage under t his prov is i on i s af f orded T he pers on(s ) or organi zati on(s ) i denti f i ed i n onl y unt il t he 180th day af ter you acqui re a. f. Paragraphs t hrough below are addi ti onal or f orm t he organizat ion or t he end of the i ns ureds w hen you hav e agreed, in a w ri tt en pol icy period, w hi chev er i s earl ier; and F orm SS 00 08 04 05 Pag e 11 of 24 BUSI NESS L IA BI LI T Y COVERA G E F ORM (e) cont ract, w rit ten agreem ent or becaus e of a Any f ail ure to m ake s uch perm it is s ued by a s t ate or pol it ical i ns pecti ons , adj us tm ents , tes t s or s ubdi v is i on, that s uch pers on or organi zati on s erv i cing as t he v endor has be added as an addit ional ins ured on your agreed to m ake or norm all y pol icy, prov ided the inj ury or dam age occurs undert akes t o m ake i n the us ual s ubs equent t o t he ex ecut ion of the contract or cours e of bus i nes s , i n conn ect ion agreem ent, or the is s uance of the perm i t. w i th the dis t ribut ion or s al e of t he product s ; A pers on or organi zati on i s an addit ional (f) Dem ons trat ion, i ns tal lat ion, i ns ured under thi s prov i s ion only f or that s erv i cing or repair operat ions , peri od of ti m e requi red by the contract , ex cept s uch operat ions perf orm ed agreem ent or perm it . at the v endor's prem is es i n How ev er, no s uch pers on or organizat ion i s an connect ion w it h t he s al e of t he addi ti onal i ns ured under thi s prov is i on i f s uch product ; pers on or organi zati on is incl uded as an (g ) Product s w hi ch, af t er di s tri buti on addi ti onal ins ured by an endors em ent i s s ued or s ale by you, hav e been label ed by us and m ade a part of t his Cov erage Part , or relabel ed or us ed as a i ncludi ng all pers ons or organizat ions added cont ainer, part or ingredi ent of any as addi ti onal i ns ureds under the s peci f i c ot her t hing or s ubs tance by or f or addi ti onal i ns ured cov erage grants i n Secti on t he v endor; or F . Opt ional Addi ti onal Ins ured Cov erages . (h ) "Bodi ly i njury" or "propert y a. Ven do rs dam age" aris i ng out of t he s ol e A n y p e r so n ( s) o r o r g a n i z a t i o n ( s) ( r e f e r r e d t o negl igence of the v endor f or it s b e l o w a s v e n d o r ) , b u t o n l y wi t h r e sp e c t t o ow n act s or om is s i ons or thos e of " b o d i l y i n j u r y " o r " p r o p e r t y d a m a g e " a r i si n g i ts em pl oyees or anyone el s e o u t o f " y o u r p r o d u c t s" wh i c h a r e d i st r i b u t e d act ing on i ts b ehal f . How ev er, t his o r so l d i n t h e r e g u l a r c o u r se o f t h e v e n d o r ' s ex cl us ion does not appl y t o: b u si n e ss a n d o n l y i f t h i s C o v e r a g e P a r t (i ) T he ex cept ions contai ned i n p r o v i d e s c o v e r a g e f o r " b o d i l y i n j u r y " o r (d ) (f) Subparagraphs or ; or " p r o p e r t y d a m a g e " i n c l u d e d wi t h i n t h e (i i) " p r o d u c t s- c o m p l e t e d o p e r a t i o n s h a z a r d " . S u c h i n sp e c t i o n s, a d j u st m e n t s, t e st s o r se r v i c i n g a s t h e v e n d o r (1) T he ins urance af f orded t o the v endor h a s a g r e e d t o m a k e o r n o r m a l l y i s s ubject t o t he f oll ow ing addit ional u n d e r t a k e s t o m a k e i n t h e u su a l ex cl us ions : c o u r se o f b u si n e ss, i n T his ins urance does not appl y t o: c o n n e c t i o n wi t h t h e d i st r i b u t i o n (a) "Bodi ly i njury" or "propert y o r sa l e o f t h e p r o d u c t s. dam age" f or w hi ch t he v endor is (2) T h i s i n su r a n c e d o e s n o t a p p l y t o a n y obl igat ed t o pay dam ages by i n su r e d p e r so n o r o r g a n i z a t i o n f r o m reas on of the as s um pti on of wh o m y o u h a v e a c q u i r e d su c h p r o d u c t s, l iabi li ty in a cont ract or agreem ent. o r a n y i n g r e d i e n t , p a r t o r c o n t a i n e r , T his ex cl us ion does not appl y t o e n t e r i n g i n t o , a c c o m p a n y i n g o r l iabi li ty f or dam ages that t he c o n t a i n i n g su c h p r o d u c t s. v endor w oul d hav e in t he abs ence b . L essors Of Equ ip ment of t he cont ract or agreem ent; (1) Any pers on or organizat ion f rom (b ) Any ex pres s w arrant y w hom you leas e equipm ent; but onl y unaut horized by you; w i th res pect to thei r l iabi li ty f or "bodil y (c) Any phys ical or chem ical change i njury", "propert y dam a ge" or i n t he product m ade int enti onall y "pers onal and adv e rt is i ng i njury" by the v endor; caus ed, i n w hol e or i n part, by your (d ) R e p a c k a g i n g , e x c e p t wh e n m aint enance, operat ion or us e of u n p a c k e d so l e l y f o r t h e p u r p o se o f equi pm ent leas ed to you by s uch i n sp e c t i o n , d e m o n st r a t i o n , t e st i n g , pers on or organi zati on. o r t h e su b st i t u t i o n o f p a r t s u n d e r i n st r u c t i o n s f r o m t h e m a n u f a c t u r e r , a n d t h e n repackaged in t he ori ginal cont ainer; Pag e 12 of 24 F orm SS 00 08 04 05 BUSI NESS L IA BI LI T Y COVERA G E F ORM (2) e. Permi ts I ssued By State Or Po li tical W it h res pect to the ins urance af f orded Su bd ivi sio ns t o t hes e addi t ional ins ureds , t his i ns urance does not appl y t o any (1) Any s t ate or poli ti cal s ubdiv i s ion, but "occurrence" w hi ch takes pl ace af t er onl y w it h res pect to operat ions you ceas e t o l eas e t hat equipm ent. perf orm ed by you or on your behal f f or c. L essors Of Lan d Or Premises w hi ch t he s tat e or poli ti cal s ubdi v is i on has is s ued a perm it . (1) Any pers on or organizat ion f rom (2) w hom you leas e land or prem is es , but W it h res pect to the ins urance af f orded onl y w i th res pect to l iabi li ty ari s ing out t o t hes e add i t ional ins ureds , thi s of the ow ners hip, m aint enance or us e i ns urance does not apply to: of that part of the l and or prem i s es (a) "Bodi ly i njury", "propert y dam age" l eas ed t o you. or "pers onal and adv ert is i ng (2) W it h res pect to the ins urance af f orded i njury" aris i ng out of operati ons t o t hes e addi t ional ins ureds , thi s perf orm ed f or the s t ate or i ns urance does not apply to: m unici pali ty; or (a) (b ) Any "occurrence" w hich t akes " B o d i l y i n j u r y " o r " p r o p e r t y d a m a g e " pl ace af ter you ceas e to l eas e that i n c l u d e d wi t h i n t h e " p r o d u c t s - l and or be a tenant i n that c o m p l e t e d o p e r a t i o n s h a z a r d " . prem is es ; or f. A n y O ther Party (b ) St ructural alt erati ons , new (1) Any ot her pers on or organizat ion w ho cons t ructi on or dem oli ti on a. i s not an ins ured under Paragraphs operat ions perf orm ed by or on e t hrough . abov e, but only w i th behal f of s uch pers on or res pect t o l iabi li ty f or "bodi ly i njury", organi zati on. "propert y da m age" or "pers onal and d . A rch itects, En gi neers Or Surveyo rs adv ert is i ng i njury" caus ed, in w hole or i n part , by your acts or om is s i ons or (1) A n y a r c h i t e c t , e n g i n e e r , o r su r v e y o r , b u t t he act s or om is s i ons of t hos e acti ng o n l y wi t h r e sp e c t t o l i a b i l i t y f o r " b o d i l y on your behal f : i n j u r y " , " p r o p e r t y d a m a g e " o r " p e r so n a l (a) a n d a d v e r t i si n g i n j u r y " c a u se d , i n wh o l e I n t he perf orm ance of your o r i n p a r t , b y y o u r a c t s o r o m i ssi o n s o r ongoi ng operat ions ; t h e a c t s o r o m i ssi o n s o f t h o se a c t i n g o n (b ) I n connect ion w it h your prem i s es y o u r b e h a l f : ow ned by or rented to you; or (a) I n connecti on w i th your prem is es ; (c) I n connecti on w it h "your w ork" and or i ncluded w it hin the "product s - (b ) I n the perf orm ance of your com plet ed oper at ions hazard", but ongoi ng operati ons perf orm ed by onl y i f you or on your behal f . (i ) T he w ri tt en cont ract or w ri tt en (2) W it h res pect to the ins urance af f orded agreem ent requires you t o t o thes e addi t ional ins ureds , the prov i de s uch cov erage t o f oll ow ing addit ional ex cl us ion appli es : s uch addit ional i ns ured; and (i i) T his ins urance does not apply t o T his Cov erage Part prov i des "bodi ly inj ury", "property dam age" or cov erage f or "bodil y i njury" or "pers onal and adv erti s ing inj ury" "propert y dam age" incl uded ari s ing out of the rendering of or t he w i thi n the "product s - f ail ure t o render any prof es s ional com plet ed operat ions hazard". s erv i ces by or f or you, i ncl uding: (2) W it h res pect to the ins urance af f orded (a) T he prepari ng, approv ing, or t o t hes e addit ional ins ureds , thi s f ail ure to prepare or approv e, i ns urance does not apply to: m aps , s hop draw i ngs , opi nions , "Bodi ly i njury", "property dam age" or report s , s urv eys , f i eld orders , "pers onal and adv erti s ing inj ury" change orders , des igns or ari s ing out of t he renderi ng of , or t he draw i ngs and s pecif icat ions ; or f ail u re to render, any prof es s i onal (b ) Superv i s ory, ins pect ion, archi tect ural, engineeri ng or s urv eyi ng archi tect ural or engi neeri ng s erv i ces , incl uding: act iv i ti es . F orm SS 00 08 04 05 Pag e 13 of 24 BUSI NESS L IA BI LI T Y COVERA G E F ORM (a) T he prepari ng, approv ing, or T his General Aggregat e l im it does not f ail ure to prepare or approv e, appl y to "property dam age" to prem i s es m aps , s hop draw i ngs , opi nions , w hi le rented t o you or tem poraril y report s , s urv eys , f i eld orders , occupi ed by you w it h perm is s i on of t he change orders , des igns or ow ner, ari s ing out of f i re, l ight ning or draw i ngs and s pecif icat ions ; or ex pl os ion. (b ) 3. Each O ccurren ce L imi t Superv i s ory, ins pect ion, archi tect ural or engineeri ng 2. a. 2. b Subj ect to or abov e, w hichev er act iv i ti es . appl ies , t he m os t w e w i ll pay f or t he s um of all T he l im it s of i ns urance that apply t o addit ional dam ages becaus e of al l "bodil y i njury", D. i ns ureds are des cri bed in Sect ion Li m i ts "propert y dam age" and m edical ex pens es O f Ins urance. ari s ing out of any one "occur rence" is the Li abil it y and Medi cal Ex pens es Li m i t s how n i n How t his i ns urance appl ies w hen ot her t he Decl arati ons . i ns urance i s av ai l able to an addit ional ins ured i s des cribed in the Ot her I ns urance Condi ti on T he m os t w e w il l pay f or al l m edi cal ex pens es E. i n Secti on Liabi li ty And M edical Ex pens es becaus e of "bodil y inj ury" s us tai ned by any G eneral Condit ions . one pers on i s t he M edical Ex pens es Lim it s how n in the Declarat ions . No pers on or organi zati on i s an ins ured w it h 4. Perso nal A n d A dverti sin g In ju ry L imi t res pect t o t he conduct of any current or pas t part ners hip, joi nt v ent ure or li m i ted li abil it y 2. b. Subj ect to abov e, t he m os t w e w il l pay f or com pany t hat is not s how n as a Nam ed Ins ured i n t he s um of all dam ages becaus e of all t he Decl arati ons . "pers onal and adv ert is i ng inj ury" s us tai ned by D. L I A BI LI T Y A ND ME DI CA L EX PE NSE S any one pers on or organi zati on is t he Pers onal and Adv erti s ing Inj ury Lim it s how n in t he L I M I T S OF I NS URA NCE Decl arati ons . 1. T he Mo st We Wil l Pay 5. Damag e T o Premises Rented T o You L imi t T he Li m i ts of Ins urance s how n i n t he T he Dam age T o Prem i s es Rented T o You Decl arati ons and t he rul es bel ow f ix the m os t Li m i t i s the m os t w e w i ll pay under Bus i nes s w e w il l pay regardl es s of t he num ber of : Li abil it y Cov erage f or dam ages becaus e of a. I ns ureds ; "propert y dam age" to any one prem is es , w hil e b . Cl aim s m ade or "s uit s " brought ; or rent ed to you, or in t he cas e of dam age by f i re, l ight ning or ex pl os ion, w hil e rented t o you or c. Pers ons or organizat ions m aking cl aim s or t em porari ly occupied by you w it h perm is s i on of bri nging "s uit s ". t he ow ner. 2. A g greg ate L imi ts I n t he cas e of dam age by f ire, li ghtni ng or T he m os t w e w i ll pay f or: ex pl os ion, the Dam age to Prem i s es Rent ed T o a. Dam ages becaus e of "bodil y inj ury" and You Li m i t appli es t o al l dam age prox im atel y "propert y dam age" incl uded i n t he caus ed by t he s am e ev ent, w het her s uch "product s -com plet ed operati ons hazard" is dam age res ult s f rom f i re, li ghtni ng or e x pl os ion t he Products -Com plet ed O perati ons or any com binat ion of thes e. Aggregat e Li m i t s how n i n t he 6. Ho w Li mits A pp ly T o A d di tio nal I nsu reds Decl arati ons . T he m os t w e w i ll pay on behal f of a pers on or b . Dam ages becaus e of al l other "bodil y organi zati on w ho is an addit ional i ns ured i njury", "propert y dam age" or "pers onal under thi s Cov erage P art i s t he l es s er of : and adv ert is i ng i njury", i ncludi ng m edi cal a. T he li m i ts of ins urance s peci f i ed in a ex pens es , i s t he G eneral Aggregate Lim it w ri tt en contract , w ri tt en agreem ent or s how n in the Declarat ions . perm it i s s ued by a s t ate or pol it ical T his General Aggregat e Lim it appli es s ubdi v is i on; or s eparat ely to each of your "l ocati ons " b . T he Lim it s of I ns urance s how n in t he ow ned by or rented to you. Decl arati ons . "Locat ion" m eans prem i s es i nv olv i ng t he Such am ount s hal l be a part of and not i n s am e or connect ing l ots , or prem i s es addi ti on to t he Lim it s of I ns urance s how n i n w hos e connect ion i s i nterrupt ed onl y by a t he Decl arati ons and des cribed in thi s Sect ion. s t reet, roadw ay or right -of -w ay of a rai lroad. Pag e 14 of 24 F orm SS 00 08 04 05 BUSI NESS L IA BI LI T Y COVERA G E F ORM (1) I f m ore than one l im it of i ns urance under thi s I m m ediat ely s end us copies of any pol icy and any endors em ent s at tached theret o dem ands , not ices , s um m ons es or appl ies t o any clai m or "s uit ", the m os t w e w il l pay l egal papers receiv ed in connecti on under t his pol icy and t he endors em ent s is t he w i th the clai m or "s ui t"; s i ngle highes t l im it of l iabi li ty of all cov erages (2) Aut horize us t o obt ain records and appl icabl e t o s uch clai m or "s uit ". How ev er, thi s ot her i nf orm ati on; paragraph does not apply t o the Medi cal Ex pens es (3) Cooperat e w it h us in the inv es t igat ion, 3. l im it s et f orth in Paragraph abov e. s et tl em ent of t he cl aim or def ens e T h e L i m i t s o f I n su r a n c e o f t h i s C o v e r a g e P a r t a p p l y agai ns t the "s uit "; and se p a r a t e l y t o e a c h c o n se c u t i v e a n n u a l p e r i o d a n d t o (4) As s i s t us , upon our reques t, i n t he a n y r e m a i n i n g p e r i o d o f l e ss t h a n 1 2 m o n t h s, st a r t i n g enf orcem ent of any right agai ns t any wi t h t h e b e g i n n i n g o f t h e p o l i c y p e r i o d sh o wn i n t h e pers on or organi zati on t hat m ay be D e c l a r a t i o n s, u n l e ss t h e p o l i c y p e r i o d i s e x t e n d e d l iabl e to t he ins ured becaus e of inj ury a f t e r i ssu a n c e f o r a n a d d i t i o n a l p e r i o d o f l e ss t h a n 1 2 or dam age to w hi ch thi s i ns urance m o n t h s. I n t h a t c a se , t h e a d d i t i o n a l p e r i o d wi l l b e m ay al s o appl y. d e e m e d p a r t o f t h e l a st p r e c e d i n g p e r i o d f o r p u r p o se s d . O bl ig atio ns A t T he In sured 's O wn Co st o f d e t e r m i n i n g t h e L i m i t s o f I n su r a n c e . N o i n su r e d wi l l , e x c e p t a t t h a t i n su r e d ' s o wn E. L I A BI LI T Y A ND ME DI CA L EX PE NSE S c o st , v o l u n t a r i l y m a k e a p a y m e n t , a ssu m e GENE RA L CONDI T I ONS a n y o b l i g a t i o n , o r i n c u r a n y e x p e n se , o t h e r t h a n f o r f i r st a i d , wi t h o u t o u r c o n se n t . 1. Ban krup tcy e. A d di tio nal I nsu red's Oth er I nsu rance Bankrupt cy or ins ol v ency of the ins ured or of t he ins ured's es t ate w il l not reli ev e us of our I f w e cov er a cl aim or "s uit " under thi s obl igat ions under t his Cov erage Part . Cov erage Part that m ay al s o be cov ered by ot her ins urance av ail able to an 2. Du ties In T he Event Of Occu rrence, addi ti onal i ns ured, s uch addit ional i ns ured O ffense, Cl aim Or Sui t m us t s ubm it s uch cl aim or "s uit " t o t he a. No tice Of Occu rrence Or Offen se ot her i ns ure r f or def ens e and i ndem ni ty. You or any addi ti onal i ns ured m us t s ee t o How ev er, t his prov is i on does not apply t o i t t hat w e are noti f i ed as s oon as t he ex t ent that you hav e agreed in a pract icabl e of an "occurrence" or an w ri tt en contract , w ri tt en agreem ent or of f ens e w hi ch m ay res ul t i n a clai m . T o perm it that thi s ins urance i s pri m ary and t he ex t ent pos s ibl e, noti ce s houl d i nclude: non-cont ribut ory w i th t he addit ional (1) H o w, wh e n a n d wh e r e t h e " o c c u r r e n c e " i ns ured's ow n ins urance. o r o f f e n se t o o k p l a c e ; f. Kn o wl edg e Of A n O ccurren ce, Offen se, (2) T he nam es and addres s es of any Cl aim Or Sui t i njured pers ons and w it nes s es ; and a. b . Paragraphs and appl y to you or to (3) T he nat ure and locat ion of any inj ury any addit ional i ns ured onl y w hen s uch or dam age aris i ng out of t he "occurrence", of f ens e, cl aim or "s uit " i s "occurrence" or of f ens e. know n to: b . No tice Of Clai m (1) You or any addit ional ins ured t hat i s an indi v idual ; I f a cl aim is m ade or "s uit " i s brought agai ns t any i ns ured, you or any addit ional (2) Any part ner, i f you or an addit ional i ns ured m us t: i ns ured i s a partners hi p; (1) I m m ediat ely record the s peci f i cs of t he (3) Any m anager, i f you or an addit ional cl aim or "s uit " and the date receiv ed; i ns ured i s a li m i ted li abil it y com pany; and (4) Any "ex ecut iv e of f i cer" or i ns urance (2) Not if y us as s oon as pract icabl e. m anager, i f you or an addit ional i ns ured i s a corporati on; You or any addi ti onal i ns ured m us t s ee t o i t that w e receiv e a w ri tt en noti ce of t he (5) Any trus t ee, if you or an addit ional cl aim or "s uit " as s oon as practi cable. i ns ured i s a trus t ; or c. A ssi stance A nd Co op eratio n Of T h e (6) Any el ected or appoi nted of f ici al, i f you I nsu red or an addi ti onal ins ured is a pol it ical s ubdi v is i on or publi c ent it y. You and any other inv ol v ed i ns ured m us t: F orm SS 00 08 04 05 Pag e 15 of 24 BUSI NESS L IA BI LI T Y COVERA G E F ORM f. (3) T his Paragraph appl ies s eparat ely t o W e hav e is s ued t his pol icy in reli ance you and any addit ional i ns ured. upon your repres ent ati ons . 3. F in anci al Respo nsi bi li ty L aws b . Un in tenti on al F ail ure T o Di sclo se Hazard s a. W hen t his poli cy i s cert if ied as proof of f inanci al res pons i bil it y f or t he f ut ure under I f uni ntent ional ly you s hould f ai l to dis cl os e t he prov is i ons of any m otor v ehicl e al l hazards rel ati ng t o t he conduct of your f inanci al res pons ibi li ty law , the i ns urance bus i nes s at t he incept ion date of thi s prov i ded by the pol icy f or "bodil y inj ury" Cov erage Part , w e s hall not deny any l iabi li ty and "propert y dam age" l iabi li ty w i ll cov erage under t his Cov erage Part com ply w i th t he prov is i ons of t he law t o becaus e of s uch f ail ure. t he ex t ent of t he cov erage and li m i ts of 7. O ther In suran ce i ns urance requi red by that l aw . I f ot her v al id and col lect ibl e i ns urance i s b . W it h res pect t o "m obil e equi pm ent " t o av ai labl e f or a los s w e cov er under thi s w hi ch t his i ns urance appli es , w e w i ll Cov erage Part, our obli gati ons are li m i ted as prov i de any li abil it y, uni ns ured m otori s ts , f oll ow s : underi ns ured m otori s ts , no-f ault or other a. Pri mary I nsu rance cov erage required by any m ot or v ehicl e b . l aw . W e w il l prov i de t he requi red l im it s f or T his i ns urance is prim ary ex cept w hen t hos e cov erages . bel ow appli es . If ot her i ns urance i s al s o pri m ary, w e w il l s hare w i th al l t hat ot her 4. L egal A cti on A g ain st Us c. i ns urance by the m ethod des cri bed in No pers on or organizat ion has a right under bel ow . t his Cov erage F orm : b . Excess In suran ce a. T o j oin us as a party or ot herw i s e bring us T his ins urance is ex ces s ov er any of t he i nto a "s ui t" as ki ng f or dam ages f rom an ot her i ns urance, w hether prim ary, ex ces s , i ns ured; or cont ingent or on any other bas is : b . T o s ue us on t his Cov erage F orm unl es s (1) Yo ur W o rk al l of it s t erm s hav e been f ul ly com pli ed w i th. T hat is F ire, Ex tended Cov erage, Bui lder's Ri s k, I ns tal lat ion Ris k or A p e r so n o r o r g a n i z a t i o n m a y su e u s t o r e c o v e r s i m i lar cov erage f or "your w ork"; o n a n a g r e e d se t t l e m e n t o r o n a f i n a l j u d g m e n t a g a i n st a n i n su r e d ; b u t we wi l l n o t b e l i a b l e f o r (2) Premi ses Ren ted T o Yo u d a m a g e s t h a t a r e n o t p a y a b l e u n d e r t h e t e r m s o f T hat is f i re, li ghtni ng or ex plos i on t h i s i n su r a n c e o r t h a t a r e i n e x c e ss o f t h e i ns urance f or prem i s es rented t o you a p p l i c a b l e l i m i t o f i n su r a n c e . A n a g r e e d or t em porari ly occupied by you w it h se t t l e m e n t m e a n s a se t t l e m e n t a n d r e l e a se o f perm is s i on of t he ow ner; l i a b i l i t y si g n e d b y u s, t h e i n su r e d a n d t h e (3) T enan t L iab il ity c l a i m a n t o r t h e c l a i m a n t ' s l e g a l r e p r e se n t a t i v e . T hat is ins urance purchas ed by you t o 5. Sep aratio n Of In sured s cov er your l iabi li ty as a tenant f or Ex cept w it h res pect t o t he Li m i ts of Ins urance, "propert y dam age" t o prem i s es rent ed and any ri ghts or dut ies s peci f i call y as s i gned t o you or t em porari ly occupi ed by you i n thi s poli cy to t he f irs t Nam ed I ns ured, thi s w i th perm i s s ion of the ow ner; i ns urance appl ies : (4) A i rcraft, A uto O r Watercraft a. As i f each Nam ed I ns ured w ere the only I f t h e l o ss a r i se s o u t o f t h e m a i n t e n a n c e Nam ed I ns ured; and o r u se o f a i r c r a f t , " a u t o s" o r wa t e r c r a f t t o b . Separat ely t o each ins ured agains t w hom g . t h e e x t e n t n o t su b j e c t t o E x c l u si o n o f a clai m is m ade or "s ui t" is brought. A. S e c t i o n C o v e r a g e s. 6. Rep resentati on s (5) Pro perty Damag e T o Borro wed a. When Yo u A ccept T h is Pol icy Eq ui pmen t O r Use Of Elevato rs By accepti ng t his poli cy, you agree: I f the l os s aris es out of "propert y dam age" t o borrow ed equipm ent or (1) T he s t atem ents i n the Decl arati ons t he us e of elev at ors t o t he ex t ent not are accurate and com plet e; k. A . s ubj ect to Ex clus i on of Sect ion (2) T hos e s t atem ents are bas ed upon Cov erages . repres ent at ions you m ade t o us ; and Pag e 16 of 24 F orm SS 00 08 04 05 BUSI NESS L IA BI LI T Y COVERA G E F ORM (6) When You A re A dd ed A s A n W hen t his ins urance is ex ces s ov er ot her A d di tio nal In sured T o Oth er i ns urance, w e w i ll pay only our s hare of I nsu rance t he am ount of the l os s , i f any, that ex ceeds the s um of : T hat i s other i ns urance av ail able t o (1) you cov eri ng li abil it y f or dam ages T he tot al am ount t hat al l s uch ot her ari s ing out of t he prem is es or i ns urance w oul d pay f or the l os s in t he operat ions , or products and com plet ed abs ence of thi s i ns urance; and operat ions , f or w hich you hav e been (2) T he tot al of all deduct ibl e and s elf - added as an addit ional i ns ured by that i ns ured am ounts under al l t hat ot her i ns urance; or i ns urance. (7) When Yo u A dd O thers A s A n W e wi l l sh a r e t h e r e m a i n i n g l o ss, i f a n y , wi t h A d di tio nal I nsu red T o T hi s a n y o t h e r i n su r a n c e t h a t i s n o t d e sc r i b e d i n I nsu rance t h i s E x c e ss I n su r a n c e p r o v i si o n a n d wa s n o t T hat is other i ns urance av ail able t o an b o u g h t sp e c i f i c a l l y t o a p p l y i n e x c e ss o f t h e addi ti onal ins ured. L i m i t s o f I n su r a n c e sh o wn i n t h e D e c l a r a t i o n s o f t h i s C o v e r a g e P a r t . How ev er, t he f ol low i ng prov is i ons c. M etho d Of Sh arin g appl y to ot her ins urance av ai labl e t o any pers on or organizat ion w ho i s an I f al l t he ot her i ns urance perm it s addi ti onal i ns ured under t his Cov erage cont ribut ion by equal s hares , w e w il l f oll ow Part : t his m et hod al s o. Under t his approach, (a) Pri mary In suran ce When each ins urer contri butes equal am ount s Req ui red By Co ntract unt il i t has pai d i ts appli cable li m i t of i ns urance or none of t he los s rem ains , T his ins urance i s prim ary if you w hi chev e r com es f i rs t. hav e agreed i n a w rit ten cont ract, w ri tt en agreem ent or perm i t that I f a n y o f t h e o t h e r i n su r a n c e d o e s n o t p e r m i t t his i ns urance be pri m ary. I f ot her c o n t r i b u t i o n b y e q u a l sh a r e s, we wi l l i ns urance is als o prim ary, w e w i ll c o n t r i b u t e b y l i m i t s. U n d e r t h i s m e t h o d , e a c h s hare w i th al l that ot her i ns urance i n su r e r s sh a r e i s b a se d o n t h e r a t i o o f i t s c. by the m ethod des cri bed in a p p l i c a b l e l i m i t o f i n su r a n c e t o t h e t o t a l bel ow . a p p l i c a b l e l i m i t s o f i n su r a n c e o f a l l i n su r e r s. (b ) Pri mary A n d Non -Co ntri bu tory 8. T ransfer O f Rig hts O f Recovery A g ain st T o Oth er I nsu rance When O thers T o Us Req ui red By Co ntract a. T ransfer Of Rig hts Of Recovery I f you hav e agreed in a w ri tt en I f t he ins ured has ri ghts to recov er al l or cont ract, w ri tt en agreem ent or part of any paym ent, i ncludi ng perm it t hat thi s ins urance i s Suppl em ent ary Paym ents , w e hav e m ade pri m ary and non-cont ribut ory w it h under thi s Cov erage Part , t ho s e ri ghts are t he addi ti onal ins ured's ow n t rans f erred t o us . T he i ns ured m us t do i ns urance, thi s i ns urance i s not hing af ter l os s to i m pai r them . At our pri m ary and w e w il l not s eek reques t , t he ins ured w i ll bri ng "s ui t" or cont ribut ion f rom that ot her t rans f er t hos e right s to us and help us i ns urance. enf orce t hem . Thi s condi ti on does not (a) (b ) Paragraphs and do not apply t o appl y t o M edical Ex pens es Cov erage. ot her ins urance to w hi ch the addi ti onal b . Waiver Of Rig hts Of Recovery (W ai ver i ns ured has been added as an O f Su bro gati on ) addi ti onal ins ured. I f the ins ured has w ai v ed any ri ghts of W hen thi s ins urance i s ex ces s , w e w i ll recov ery agai ns t any pers on or hav e no dut y under thi s Cov erage Part t o organi zati on f or al l or part of any paym ent, def end the i ns ured agains t any "s uit " i f any i ncludi ng Suppl em ent ary Paym ents , w e ot her i ns urer has a dut y t o def end t he hav e m ade under thi s Cov erage Part, w e i ns ured agains t t hat "s uit ". I f no other al s o w aiv e t hat ri ght, prov ided t he i ns ured i ns urer def ends , w e w i ll undert ake t o do w ai v ed t heir right s of recov ery agains t s o, but w e w i ll be enti tl ed t o t he i ns ured's s uch pers on or organizat ion in a cont ract, ri ghts agains t al l thos e other ins urers . agreem ent or perm i t t hat w as ex ecut ed pri or t o t he i njury or dam age. F orm SS 00 08 04 05 Pag e 17 of 24 BUSI NESS L IA BI LI T Y COVERA G E F ORM 3. A d di tio nal I nsu red - Gran tor Of Fran chi se F . OPT I ONA L A DDI T I ONA L I NSURE D COVE RA GES C. W HO I S AN I NSURED under Secti on is am ended to i nclude as an addit ional i ns ured I f l is t ed or s how n as appli cabl e in t he Decl arati ons , t he pers on(s ) or organizat ion(s ) s how n i n t he one or m ore of the f ol low i ng O pti onal Addit ional Decl arati ons as an Addi ti onal I ns ured - I ns ured Cov erages als o apply. W hen any of t hes e G rantor O f F ranchis e, but onl y w it h res pect t o O pti onal Addit ional I ns ured Cov erages apply, t heir li abil it y as grantor of f ranchi s e t o you. 6. Paragraph (Addi ti onal I ns ureds W hen Requi red 4. A d di tio nal In sured - L essor O f L eased by W ri tt en Cont ract, W rit ten Agreem ent or Perm it ) Eq ui pmen t C. of Sect ion , W ho I s An Ins ured, does not appl y t o the pers on or organi zati on s how n in t he a. C. W HO I S AN INSURED under Sect ion is Decl arati ons . T hes e cov erages are s ubject t o t he am ended t o incl ude as an addit ional t erm s and condit ions appl icabl e to Bus i nes s i ns ured t he pers on(s ) or organi zati on(s ) Li abil it y Cov erage in thi s poli cy, ex cept as s how n in the Decl arati ons as an Addit ional prov i ded bel ow : I ns ured Les s or of Leas ed Equipm ent, but only w i th res pect t o l iabi li ty f or "bodil y 1. A d di tio nal I nsu red - Desig nated Person Or i njury", "propert y dam age" or "pers onal O rgan izati on and adv erti s ing i njury" caus ed, in w hol e or C. W HO I S AN I NSURED under Secti on is i n part, by your m ai ntenance, operati on or am ended to i nclude as an addit ional i ns ured us e of equipm ent leas ed to you by s uch t he pers on(s ) or organizat ion(s ) s how n i n t he pers on(s ) or organi zati on(s ). Decl arati ons , but onl y w it h res pect t o li abil it y b . W it h res pect to t he ins urance af f orded t o f or "bodil y inj ury", "property dam age" or t hes e addi ti onal ins ureds , t his i ns urance "pers onal and adv erti s ing i njury" caus ed, i n does not appl y to any "occurrence" w hi ch w hol e or in part, by your act s or om i s s ions or t akes place af ter you ceas e to leas e that t he act s or om i s s ions of thos e acti ng on your equi pm ent . behal f : 5. A d di tio nal In sured - Ow ners Or Oth er a. I n the perf orm ance of your ongoi ng I nterests Fro m Who m Lan d Has Been operat ions ; or L eased b . I n connect ion w it h your prem i s es ow ned a. C. W HO I S AN INSURED under Sect ion i s by or rent ed t o you. am ended t o incl ude as an addit ional 2. A d di tio nal In sured - M anag ers O r L essors i ns ured t he pers on(s ) or organi zati on(s ) O f Premi ses s how n in the Decl arati ons as an Addit ional a. C . W H O I S A N I N S U R E D u n d e r S e c t i o n i s I ns ure d Ow ners Or Ot her I nteres t s F rom a m e n d e d t o i n c l u d e a s a n a d d i t i o n a l i n su r e d W hom Land Has Been Leas ed, but onl y t h e p e r so n ( s) o r o r g a n i z a t i o n ( s) sh o wn i n t h e w i th res pect t o l iabi li ty aris i ng out of t he D e c l a r a t i o n s a s a n A d d i t i o n a l I n su r e d - ow ners hi p, m aint enance or us e of that part D e si g n a t e d P e r so n O r O r g a n i z a t i o n ; b u t o n l y of the l and leas ed to you and s how n i n t he wi t h r e sp e c t t o l i a b i l i t y a r i si n g o u t o f t h e Decl arati ons . o wn e r sh i p , m a i n t e n a n c e o r u se o f t h a t p a r t o f b . W it h res pect to t he ins urance af f orded t o t h e p r e m i se s l e a se d t o y o u a n d sh o wn i n t h e t hes e addit ional ins ureds , the f ol low i ng D e c l a r a t i o n s. addi ti onal ex clus i ons appl y: b . W it h res pect to t he ins urance af f orded t o T his ins urance does not appl y t o: t hes e addit ional ins ureds , the f ol low i ng (1) Any "occurrence" that takes pl ace addi ti onal ex clus i ons appl y: af ter you ceas e to leas e that l and; or T his ins urance does not appl y t o: (2) St ructural al terat ions , new (1) Any "occurrence" w hi ch t akes pl ace cons t ructi on or dem ol it ion operati ons af ter you ceas e to be a tenant i n that perf orm ed by or on behal f of s uch prem is es ; or pers on or organi zati on. (2) St ructural al terat ions , new 6. A d di tio nal In sured - State O r Pol iti cal cons t ructi on or dem ol it ion operati ons Su bd ivi sio n Permits perf orm ed by or on behal f of s uch a. C. W HO I S AN INSURED under Sect ion is pers on or organi zati on. am ended t o incl ude as an addit ional i ns ured t he s tat e or poli ti cal s ubdi v is i on s how n in the Decl arati ons as an Addit ional Pag e 18 of 24 F orm SS 00 08 04 05 BUSI NESS L IA BI LI T Y COVERA G E F ORM (e) I ns ured Stat e O r Pol it ical Subdi v is i on - A n y f a i l u r e t o m a k e su c h Perm it s , but onl y w it h res pect t o i n sp e c t i o n s, a d j u st m e n t s, t e st s o r operat ions perf orm ed by you or on your se r v i c i n g a s t h e v e n d o r h a s a g r e e d behal f f or w hi ch t he s t ate or pol it ical t o m a k e o r n o r m a l l y u n d e r t a k e s t o s ubdi v is i on has is s ued a perm it . m a k e i n t h e u su a l c o u r se o f b u si n e ss, i n c o n n e c t i o n wi t h t h e b . W it h res pect to t he ins urance af f orded to d i st r i b u t i o n o r sa l e o f t h e p r o d u c t s; t hes e addit ional ins ureds , the f ol low i ng (f) Dem ons trat ion, i ns tal lat ion, addi ti onal ex clus i ons appl y: s erv i cing or repair operat ions , T his ins urance does not appl y t o: ex cept s uch operat ions perf orm ed (1) "Bodi ly i njury", "property dam age" or at the v endor's prem is es i n "pers onal and adv erti s ing inj ury" connect ion w i th the s ale of the ari s ing out of operat ions perf orm ed f or product ; t he s t ate or m unici pali ty; or (g ) Product s w hi ch, af t er di s tri buti on (2) "Bodi ly i njury" or "propert y dam age" or s ale by you, hav e been label ed i ncluded in t he "product-com plet ed or relabel ed or us ed as a operat ions " hazard. cont ainer, part or ingredi ent of any 7. A d di tio nal I nsu red Vend ors ot her t hing or s ubs tance by or f or t he v endor; or a. C. W HO I S AN INSURED under Sect ion is am ended t o incl ude as an addit ional (h ) "Bodi ly i njury" or "propert y i ns ured t he pers on(s ) or organi zati on(s ) dam age" ari s ing out of the s ole (ref erred t o below as v endor) s how n in the negl igence of the v endor f or it s Decl arati ons as an Addi ti onal I ns ured - ow n act s or om i s s ions or t hos e of Vendor, but onl y w it h res pect t o "bodil y i ts em pl oyees or anyone el s e i njury" or "propert y dam age" aris i ng out of act ing on i ts b ehal f . How ev er, t his "your products " w hich are dis t ribut ed or ex cl us ion does not appl y t o: s ol d in t he regular cours e of the v endor's (i ) T he ex cept ions contai ned i n bus i nes s and only if t his Cov erage Part (d ) (f) Subparagraphs or ; or prov i des cov erage f or "bodi ly i njury" or (i i) Such ins pect ions , "propert y dam age" incl uded w it hin t he adj us tm ents , t es ts or s erv ici ng "product s -com plet ed operat ions hazard". as t he v endor has agreed t o b . T h e i n su r a n c e a f f o r d e d t o t h e v e n d o r i s m ake or norm al ly undert akes su b j e c t t o t h e f o l l o wi n g a d d i t i o n a l e x c l u si o n s: t o m ake i n the us ual cours e of (1) T his ins urance does not appl y t o: bus i nes s , in conne ct ion w i th t he dis t ribut ion or s al e of t he (a) "Bodi ly i njury" or "propert y product s . dam age" f or w hich the v endor i s obl igat ed t o pay dam ages by (2) T his ins urance does not appl y t o any reas on of the as s um pti on of i ns ured per s on or organi zati on f rom l iabi li ty in a cont ract or agreem ent. w hom you hav e acqui red s uch T his ex cl us ion does not appl y t o product s , or any i ngredient , part or l iabi li ty f or dam ages that t he cont ainer, enteri ng i nto, v endor w oul d hav e in t he abs ence accom panying or cont aini ng s uch of t he cont ract or agreem ent; product s . (b ) Any ex pres s w arrant y 8. A d di tio nal I nsu red Con trol li ng I nterest unaut horized by you; C. W HO I S AN I NSURED under Secti on i s (c) Any phys ical or chem ical change am ended to i nclude as an addit ional i ns ured i n t he product m ade int enti onall y t he pers on(s ) or organizat ion(s ) s how n i n t he by the v endor; Decl arati ons as an Addi ti onal I ns ured Cont roll ing Int eres t, but onl y w i th res pect t o (d ) R e p a c k a g i n g , u n l e ss u n p a c k e d t heir li abil it y ari s ing out of : so l e l y f o r t h e p u r p o se o f i n sp e c t i o n , d e m o n st r a t i o n , t e st i n g , o r t h e a. T heir f i nancial cont rol of you; or su b st i t u t i o n o f p a r t s u n d e r b . Prem is es t hey ow n, m ai ntai n or control i n st r u c t i o n s f r o m t h e m a n u f a c t u r e r , w hi le you l eas e or occupy t hes e prem is es . a n d t h e n r e p a c k a g e d i n t h e o r i g i n a l c o n t a i n e r ; F orm SS 00 08 04 05 Pag e 19 of 24 BUSI NESS L IA BI LI T Y COVERA G E F ORM T his i ns urance does not appl y to s t ructural T he li m i ts of ins urance t hat appl y t o addi ti onal D. al terat ions , new cons truct ion and dem oli ti on i ns ureds are des cribed i n Secti on Lim it s O f operat ions perf orm ed by or f or that pers on or I ns urance. organi zati on. How thi s i ns urance appli es w hen other i ns urance 9. A d di tio nal In sured O wn ers, L essees Or i s av ail able t o an addit ional ins ured i s des cribed i n Co ntracto rs Sch edu led Person Or E. t he O ther Ins urance Condit ion in Sect ion O rgan izati on Li abil it y And Medi cal Ex pens es General Condi ti ons . a. C. W HO I S AN INSURED under Sect ion i s am ended t o incl ude as an addit ional G. L I A BI LI T Y A ND ME DI CA L EX PE NSE S i ns ured t he pers on(s ) or organi zati on(s ) DEFI NI T I ONS s how n in the Decl arati ons as an Addit ional 1. "Adv ert is em ent" m eans the w ides pread publi c I ns ured O w ner, Les s ees Or Contract ors , di s s em i nati on of inf orm at ion or i m ages that but only w i th res pect t o l iabi li ty f or "bodil y has the purpos e of induci ng the s al e of goods , i njury", "propert y dam age" or "pers onal product s or s erv ices through: and adv erti s ing i njury" caus ed, in w hol e or i n part , by your act s or om i s s ions or t he a. (1) Radi o; act s or om i s s i ons of t hos e act ing on your (2) T elev i s ion; behal f : (3) Bi ll board; (1) I n the perf orm ance of your ongoi ng (4) M agazine; operat ions f or t he addit ional (5) New s paper; i ns ured(s ); or b . T he I nternet , but only that part of a w eb (2) I n connecti on w it h "your w ork" s i te that is about goods , product s or perf orm ed f or that addit ional i ns ured s erv i ces f or t he purpos es of i nducing t he and i ncluded w i thi n the "product s - s al e of goods , product s or s erv ices ; or com plet ed operati ons hazard", but c. Any ot her publ icat ion that i s gi v en onl y i f thi s Cov erage Part prov i des w i des pread publ ic dis t ribut ion. cov erage f or "bodil y inj ury" or "propert y dam age" i ncluded w it hin t he How ev er, "adv ert is em ent" does not i nclude: "product s -com plet ed operat ions a. T he des i gn, print ed m ateri al, i nf orm ati on hazard". or i m ages cont ained i n, on or upon t he b . W it h res pect to t he ins urance af f orded t o packagi ng or label ing of any goods or t hes e addi ti onal ins ureds , t his i ns urance product s ; or does not apply to "bodil y i njury", "propert y b . A n i n t e r a c t i v e c o n v e r sa t i o n b e t we e n o r dam age" or "pers onal an adv ert is i ng a m o n g p e r so n s t h r o u g h a c o m p u t e r n e t wo r k . i njury" aris i ng out of t he rende ri ng of , or 2. "Adv ert is i ng i dea" m eans any idea f or an t he f ai lure t o render, any prof es s ional "adv ert is em ent". archi tect ural, engineeri ng or s urv eyi ng s erv i ces , incl uding: 3. "As bes t os hazard" m eans an ex pos ure or t hreat of e x pos ure to the act ual or al leged (1) T he preparing, approv ing, or f ai lure t o propert ies of as bes t os and incl udes the m ere prepare or approv e, m aps , s hop pres ence of as bes tos in an y f orm . draw i ngs , opi nions , reports , s urv eys , f iel d orders , change orders , des i gns or 4. "Aut o" m eans a l and m ot or v ehicl e, trai ler or draw i ngs and s pecif icat ions ; or s em i-t rail er des i gned f or t rav el on publi c roads , i ncludi ng any att ached m achinery or (2) Superv i s ory, ins pect ion, archit ectural equi pm ent . But "auto" does not incl ude or engineeri ng act iv i ti es . "m obil e equi pm ent ". 10. A d di tio nal I nsu red Co -O wn er Of I nsu red 5. "Bodi ly inj ury" m eans phys i cal: Premi ses a. I njury; C. W HO I S AN I NSURED under Secti on i s am ended to i nclude as an addit ional i ns ured b . Si ck nes s ; or t he pers on(s ) or Organi zati on(s ) s how n in t he c. Di s eas e Decl arati ons as an Addit ional I ns ured Co- s us t ained by a pers on and, if aris i ng out of t he O w ner O f Ins ured Prem i s es , but onl y w it h abov e, m ental angui s h or death at any t im e. res pect t o t heir li abil it y as co-ow ner of the prem is es s how n i n t he Decl arati ons . 6. "Cov erage terri tory" m eans : Pag e 20 of 24 F orm SS 00 08 04 05 BUSI NESS L IA BI LI T Y COVERA G E F ORM a. b . T he Unit ed Stat es of Am erica (incl uding it s You hav e f ail ed t o f ulf il l the t erm s of a t errit ories and pos s es s i ons ), Puert o Ri co cont ract or agreem ent; and Canada; i f s uch propert y can be res t ored t o us e by: b . I nternat ional w aters or ai rs pace, but only if a. T he repai r, replacem ent, adj us tm ent or t he i njury or dam age occurs in t he cours e rem ov al of "your product" or "your w ork"; of t rav el or t rans portat ion bet w een any or a. pl aces i ncluded in abov e; b . Your f ul f i ll ing the term s of t he contract or c. Al l other parts of the w orld i f t he inj ury or agreem ent. dam age ari s es out of : 12. "I ns ured cont ract" m eans : (1) G o o d s o r p r o d u c t s m a d e o r so l d b y y o u a . A cont ract f or a l eas e of prem is es . a . i n t h e t e r r i t o r y d e sc r i b e d i n a b o v e ; How ev er, that porti on of t he contract f or a (2) T he act iv i ti es of a pers on w hos e hom e l eas e of prem i s es t hat indem nif ies any a i s in t he terri tory des cri bed i n . pers on or organi zati on f or dam age by f ire, abov e, but i s aw ay f or a s hort t im e on l ight ning or ex pl os ion t o p rem is es w hi le your bus ines s ; or rent ed t o you or t em porari ly occupi ed by (3) "Pers onal and adv ert is i ng inj ury" you w i th perm is s i on of t he ow ner i s of f ens es that take pl ace through t he s ubj ect t o the Dam age To Prem i s es I nternet or s im il ar el ectroni c m eans of Rent ed T o You li m i t des cribed in Secti on D. com m uni cati on Liabi li ty and M edical Ex pens es Lim it s of I ns urance. prov i ded t he i ns ured's res pons i bil it y t o pay b . dam ages i s determ ined i n the Uni ted St ates of A s idet rack agreem ent; Am erica (incl uding it s t errit ories and c. Any eas em ent or li cens e agreem ent , pos s es s i ons ), Puerto Rico or Canada, i n a i ncludi ng an eas em ent or li cens e "s ui t" on t he m erit s accordi ng t o the agreem ent in connecti on w i th cons t ructi on s ubs t anti v e law i n s uch terri tory, or in a or dem oli t ion operat ions on or w i thi n 50 s et tl em ent w e agree t o. f eet of a rai l road; 7. "El ectroni c dat a" m eans i nf orm ati on, f act s or d . Any obli gati on, as requi red by ordinance, program s : t o i ndem ni f y a m unici pali ty, ex cept i n a. St ored as or on; connect ion w it h w ork f or a m unici pali ty; b . Creat ed or us ed on; or e. An elev at or m aint enance agreem ent; or c. T rans m i tt ed t o or f rom f. T hat part of any ot her contract or agreem ent pert aini ng to your bus i nes s com puter s of tw are, i ncludi ng s ys t em s and (i ncludi ng an indem nif icat ion of a appl icat i ons s of tw are, hard or f loppy di s ks , m unici pali ty in connecti on w i th w ork CD-RO MS, tapes , driv es , cell s , dat a perf orm ed f or a m unici pali ty) u nder w hich proces s i ng dev ices or any ot her m edi a w hi ch you as s um e t he tort li abil it y of anot her are us ed w it h elect ronical ly cont roll ed part y t o pay f or "bodil y i njury" or "propert y equi pm ent . dam age" to a t hird pers on or organizat ion, 8. "Em ployee" i ncludes a "l eas ed w orker". prov i ded t he "bodi ly inj ury" or "propert y "Em ployee" does not incl ude a "tem porary dam age" is caus ed, in w hole or i n part , by w orker". you or by thos e act ing on your behal f . 9. "Ex ecut iv e of f i cer" m eans a pers on holdi ng T ort l iabi li ty m eans a li abil it y that w ould be any of the of f i cer pos it ions creat ed by your i m pos ed by law i n the abs ence of any chart er, cons t it uti on, by-l aw s or any ot her cont ract or agreem ent. s i m i lar gov erning docum ent . f. Paragraph i ncludes t hat part of any 10. "Hos t il e f i re" m eans one w hi ch becom es cont ract or agreem ent that i ndem ni f i es a uncont roll able or breaks out f rom w here it w as rai lroad f or "bo di ly inj ury" or "property i ntended to be. dam age" ari s ing o ut of cons truct ion or dem oli ti on operat ions w it hin 50 f eet of any 11. "I m pai red propert y" m eans t angibl e property, rai lroad propert y and af f ecti ng any rail road ot her t han "your product" or "your w ork", that bri dge or tres t le, tracks , road-beds , t unnel, cannot be us ed or is les s us ef ul becaus e: underpas s or cros s i ng. a. I t i n c o r p o r a t e s " y o u r p r o d u c t " o r " y o u r wo r k " f. How ev er, Paragraph does not incl ude t h a t i s k n o wn o r t h o u g h t t o b e d e f e c t i v e , t hat part of any cont ract or agreem en t : d e f i c i e n t , i n a d e q u a t e o r d a n g e r o u s; o r F orm SS 00 08 04 05 Pag e 21 of 24 BUSI NESS L IA BI LI T Y COVERA G E F ORM (1) (1) T hat i ndem ni f i es an archit ect, Pow er cranes , s hov els , loaders , engi neer or s urv eyor f or i njury or di ggers or dril ls ; or dam age ari s ing out of : (2) Road cons t ructi on or res urf aci ng (a) Prepari ng, approv i ng or f ai li ng t o equi pm ent s uch as graders , s crapers prepare or approv e m aps , s hop or roll ers ; draw i ngs , opi nions , reports , e. a. b . c. d . Vehi cles not des cribed in , , , or s urv eys , f i eld orders , change abov e that are not s elf -propel led and are orders , des igns or draw i ngs and m aint ained pri m ari ly t o prov ide m obil it y t o s peci f i cati ons ; or perm anentl y att ached equi pm ent of t he (b ) G iv i ng direct ions or i ns truct ions , f oll ow ing types : or f ai li ng t o gi v e t hem , i f that is t he (1) Ai r com pres s ors , pum ps and pri m ary caus e of t he i njury or generat ors , incl uding s praying, dam age; or w el di ng, bui ldi ng cleani ng, (2) Under w hich t he ins ured, if an geophys i cal ex plorat ion, l ight ing and archi tect , engi neer or s urv eyor, w el l s erv ici ng equi pm ent ; or as s um es li abil it y f or an i njury or (2) Cherry pi ckers and s im il ar dev i ces dam age aris i ng out of t he ins ured's us ed to rais e or l ow er w orkers ; renderi ng or f ai lure t o render f. a. b . c. d . Vehi cles not des cri bed in , , , or prof es s ional s erv ices , incl uding t hos e abov e m ai ntai ned pri m ari ly f or purpos es (1) l is t ed in abov e and s uperv is ory, ot her t han t he t rans portat ion of pers ons or i ns pecti on, archi tect ural or cargo. engi neering acti v it ies . How ev er, s elf -propel led v ehi cles w i th the 13. "Leas ed w orker" m eans a pers on leas ed t o f oll ow ing t ypes of perm anentl y att ached you by a labor leas i ng f irm under an equi pm ent are not "m obil e equi pm ent " but agreem ent bet w een you and the l abor leas i ng w i ll be cons idered "autos ": f irm , t o perf orm duti es relat ed t o t he conduct of (1) Equi pm ent , of at l eas t 1, 000 pounds your bus i nes s . "Leas ed w orker" does not gros s v ehicl e w eight , des igned i nclude a "t em porary w orker". pri m ari ly f or: 14. "Loadi ng or unloadi ng" m eans the handli ng of (a) Snow rem ov al ; propert y: (b ) Road m ai ntenance, but not a. Af ter it i s m ov ed f rom the pl ace w here it is cons t ructi on or res urf aci ng; or accept ed f or m ov em ent i nto or ont o an ai rcraf t , w atercraf t or "aut o"; (c) St reet cleani ng; b . W hil e i t is in or on an ai rcraf t , w at ercraf t or (2) Cherry pi ckers and s im il ar dev i ces "aut o"; or m ounted on aut om obi le or t ruck chas s i s and us ed t o rai s e or l ow er c. W hil e it is being m ov ed f rom an aircraf t, w orkers ; and w at ercraf t or "auto" t o t he pl ace w here it i s f inal ly deli v ered; (3) Ai r com pres s ors , pum ps and generat ors , incl uding s praying, b u t " l o a d i n g o r u n l o a d i n g " d o e s n o t i n c l u d e t h e w el ding, buil ding cl eaning, m o v e m e n t o f p r o p e r t y b y m e a n s o f a m e c h a n i c a l geophys i cal ex plorat ion, l ight ing and d e v i c e , o t h e r t h a n a h a n d t r u c k , t h a t i s n o t w el l s erv ici ng equi pm ent . a t t a c h e d t o t h e a i r c r a f t , wa t e r c r a f t o r " a u t o " . 16. " O c c u r r e n c e " m e a n s a n a c c i d e n t , i n c l u d i n g 15. "M obil e equipm ent" m eans any of the f ol low i ng c o n t i n u o u s o r r e p e a t e d e x p o su r e t o su b st a n t i a l l y t ypes of l and v ehicl es , i ncludi ng any att ached t h e sa m e g e n e r a l h a r m f u l c o n d i t i o n s. m achinery or equi pm ent : 17. "Pers onal and adv erti s ing inj ury" m eans i njury, a. Bul ldozers , f arm m achi nery, f orkli f t s and i ncludi ng cons equenti al "bodi ly i njury", aris i ng ot her v ehi cles des igned f or us e princi pall y out of one or m ore of t he f oll ow ing of f ens es : of f publi c roads ; a. F als e arres t, det enti on or im pris onm ent; b . Vehi cles m ai ntai ned f or us e s olel y on or nex t t o prem is es you ow n or rent ; b . M ali cious pros ecuti on; c. Vehi cl es t hat trav el on craw ler treads ; d . Vehi cles , w hether s el f -propel led or not , on w hi ch are perm anent ly m ount ed: Pag e 22 of 24 F orm SS 00 08 04 05 BUSI NESS L IA BI LI T Y COVERA G E F ORM c. T he w rongf ul ev i cti on f rom , w rongf ul entry W ork t hat m ay need s erv i ce, m ai ntenance, i nto, or inv as i on of t he ri ght of priv at e correct ion, repair or repl acem ent , but occupancy of a room , dw ell ing or w hi ch is otherw i s e com plet e, w il l be prem is es that t he pers on occupies , t reated as com plet ed. com m i tt ed by or on behalf of i ts ow ner, T he "bodil y i njury" or "propert y dam age" l andlord or l es s or; m us t occur aw ay f rom prem i s es you o w n d . O ral, w ri tt en or elect ronic publ icat ion of or rent, unl es s your bus ines s i ncludes t he m ateri al that s l anders or li bels a pers on or s el li ng, handli ng or dis t ribut ion of "your organi zati on or dis parages a pers on's or product " f or cons um pt ion on prem is es you organi zati on's goods , product s or s erv ices ; ow n or rent . e. b . O ral, w ri tt en or elect ronic publ icat ion of Does not incl ude "bodil y inj ury" or m ateri al that v i olat es a pers on's ri ght of "propert y dam age" ari s ing out of : pri v acy; (1) T he trans port ati on of propert y, unl e s s f. Copyi ng, in your "adv ert is em ent", a t he i njury or dam age ari s es out of a pers ons or organizat ions "adv ert is i ng condi ti on in or on a v ehi cle not ow ned i dea" or s tyl e of "adv ert is em ent"; or operated by you, and t hat condi ti on w as creat ed by the "loadi ng or g . I nf ri ngem ent of copyri ght, s logan, or ti tl e of unl oading" of t hat v ehicl e by any any li terary or art is t ic w ork, i n your i ns ured; or "adv ert is em ent"; or (2) T he ex is t ence of t ools , unins t all ed h . Di s crim inat ion or hum il iat ion t hat res ul ts i n equi pm ent or abandone d or unus ed i njury t o the f eeli ngs or reputat ion of a m ateri als . nat ural pers on. 20. "Propert y dam age" m eans : 18. " P o l l u t a n t s" m e a n s a n y so l i d , l i q u i d , g a se o u s o r t h e r m a l i r r i t a n t o r c o n t a m i n a n t , i n c l u d i n g sm o k e , a. Phys i cal i njury t o tangi ble property, v a p o r , so o t , f u m e s, a c i d s, a l k a l i s, c h e m i c a l s a n d i ncludi ng all res ul ti ng l os s of us e of that wa st e . W a st e i n c l u d e s m a t e r i a l s t o b e r e c y c l e d , propert y. All s uch los s of us e s hal l be r e c o n d i t i o n e d o r r e c l a i m e d . deem ed t o occur at the t im e of t he phys i cal inj ury t hat caus ed i t; or 19. "Product s -com plet ed operat ions hazard"; b . Los s of us e of tangi ble property that i s not a. I ncludes al l "bodi ly i njury" and "propert y phys i call y inj ured. All s uch los s of us e dam age" occurring aw ay f rom prem i s es s hal l be deem ed to occur at t he t im e of you ow n or rent and ari s ing out of "your "occurrence" that caus ed it . product " or "your w ork" ex cept: As us ed i n t his def i nit ion, "el ectroni c data" i s (1) Product s that are s ti ll i n your phys ical not t angibl e propert y. pos s es s i on; or 21. "Sui t" m eans a civ i l proceedi ng i n w hich (2) W ork that has not yet been com plet ed dam ages becaus e of "bodil y i njury", "propert y or abandoned. How ev er, "your w ork" dam age" or "pers onal and adv ert is i ng inj ury" w i ll be deem ed to be com plet ed at t he t o w hi ch thi s ins urance appl ies are al leged. earl ies t of t he f oll ow ing ti m es : "Sui t" incl udes : (a) W hen all of t he w ork call ed f or i n a. An arbi trat ion proceedi ng in w hich s uch your contract has been com plet ed. dam ages are clai m ed and t o w hich t he (b ) W hen al l of the w ork to be done at i ns ured m u s t s ubm it or does s ubm i t w i th t he job s i te has been com pl eted if our cons ent; or your cont ract cal ls f or w ork at b . Any ot her al ternat iv e dis put e res ol uti on m ore t han one job s it e. proceedi ng in w hi ch s uch dam ages are (c) W hen that part of t he w ork done at cl aim ed and t o w hich t he ins ured s ubm it s a j ob s it e has been put to it s w i th our cons ent . i ntended us e by any pers on or 22. "T em porary w orker" m eans a pers on w ho i s organi zati on other t han anot her f urnis hed to you t o s ubs t i tut e f or a perm anent cont ractor or s ubcont ractor "em ployee" on l eav e or to m eet s eas onal or w orki ng on the s am e project . s hort -t erm w orkload condit ions . 23. "Vol unteer w orker" m eans a pers on w ho: a. I s not your "em pl oyee"; F orm SS 00 08 04 05 Pag e 23 of 24 BUSI NESS L IA BI LI T Y COVERA G E F ORM b . (2) Donat es hi s or her w ork; T he prov i ding of or f ail ure to prov i de w arni ngs or ins t ructi ons . c. Act s at t he direct ion of and w it hin t he c. s cope of duti es det erm i ned by you; and Does not i nclude v endi ng m achi nes or d . I s not paid a f ee, s alary or ot her ot her property rent ed to or l ocated f or t he com pens ati on by you or anyone els e f or us e of others but not s old. t heir w ork perf orm ed f or you. 25 . "Your w ork": 24. "Your product": a. M eans : a. M eans : (1) W ork or operati ons perf orm ed by you (1) Any goods or products , ot her t han real or on your behalf ; and propert y, m anuf actured, s old, handled, (2) M ateri als , parts or equi pm ent di s tri buted or di s pos ed of by: f urnis hed i n connect ion w it h s uch w ork (a) You; or op erat ions . (b ) b . O thers t rading under your nam e; I ncludes : or (1) W arranti es or repres entat ions m ade at (c) A pers on or organizat ion w hos e any ti m e w i th res pect to t he f i tnes s , bus i nes s or as s et s you hav e qual it y, durabil it y, perf orm ance or us e acqui red; and of "your w ork"; and (2) (2) Cont ainers (ot her t han v ehi cles ), T he prov i ding of or f ail ure to prov i de m ateri als , parts or equi pm ent w arni ngs or ins t ructi ons . f urnis hed in connecti on w i th s uch goods or product s . b . I ncludes : (1) W arranti es or repres entat ions m ade at any ti m e w i th res pect to t he f i tnes s , qual it y, durabil it y, perf orm ance or us e of "your product"; and Pag e 24 of 24 F orm SS 00 08 04 05