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COI - Irish Construction, A CA Corp. - Certificate No. 570103170439 | Start Date: 2024-01-01 | End Date: 2025-01-01.,4 —"R,C'' CERTIFICATE OF LIABILITY INSURANCE DATE(MM/DD/YYYY) 12/22/2023 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder In lieu of such endorsement(s). PRODUCER Aon Risk Insurance Services West, Inc. Irvine CA Office 17875 Von Kaman AVenue, Suite 300 Irvine CA 92614 USA CONTACT pNAMNE; (NC Ntl, Ext); (949) 608-6300 FAX No ), (949) GOS-6459 E-MAIL ADDRESS: INSURER(S) AFFOFIDING COVERAGE NAIL # INSURED Irish Construction, A CA Corp. 2641 River Avenue Rosemead CA 91770 USA INSURER A, steadfast Insurance Company 26387 INSURERB; Zurich American Ins co 16535 INSURER C; INSURER D: INSURER E: INSURER F: COVERAGES CERTIFICATE NUMBER: 5701031877 6 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 POL CIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS, Limits shown are as requested INSR LTR TYPE OF INSURANCE ADDU INSD SusTI WVD - POLICY NUMBER POLICY EFF ({MM/DD/YYYY POLICY EXP (MM/DD/YYYY) LIMITS B X COMMERCIAL GENERAL LIABILITY GL0022994508 01/01/2024 01/01/2025 EACH OCCURRENCE $2,000,000 CLAIMS -MADE X OCCUR DAMAGE TO RENTED PREMISES (Ea occurrence) $500, 000 MED EXP (Any one person) $10,000 PERSONAL&ADVINJURY $2,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $4,000,000 POLICY X PRO I JLOC JECT PRODUCTS - COMP/OPAGG $4,000,000 OTHER: AUTOMOBILE LIABILITY BAP 0229947 - 08 01/01/2024 01/01/2025 COMBINED SINGLE LIMIT (Ea accident) $2,000,000 X ANY AUTO BODILY INJURY ( Per person) OWNED S SCHEDULED AUTOS BODILY INJURY (Per accident) A AUTOS ONLY HIRED AUTOS ONLY NON -OWNED AUTOS ONLY PROPERTY DAMAGE (Per accident) UMBRELLA LIAB OCCUR EACH OCCURRENCE EXCESS LIAB CLAIMS -MADE AGGREOATE DED RETENTION B WORKERS COMPENSATION AND EMPLOYERS'LIABILITY WCO22994608 01/711/2024 01/01/2025 X PER STATUTE OTH- ER ANY PROPRIETOR/PARTNER/EXECUTIVE Y / N N N / A E.L. EACH ACCIDENT $1,000,000 OFFICEFUMEMBER EXCLUDED? (Mandatory In NH) If describe E,L. DISEASE -EA EMPLOYEE 51,000,000 yes, under DESCRIPTION OF OPERATIONS below EL DISEASE -POLICY LIMIT $1, 000 , 000 A Environmental Contractor Poll/Prof EE&0] EGc016553807 claims Made SIR applies per policy terns 01/01/2024 & condi`ions 01/01/2025 Each Claim Aggregate $2,000,000 $2,000,000 DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space Is required) The City of Gilroy, its officers, officials, representatives, agents, employees, & volunteers are included as. Additional Insured in accordance with the policy provisions of the General Liability & Auto Liability policies. A waiver of Subrogation is granted in favor of The city of Gilroy, its officers, officials, representatives, agents, employees, & volunteers in accordance with the policy provisions of the General Liability, Auto Liability, & Workers' compensation policies. CERTIFICATE HOLDER CANCELLATION Holder identifier : 2AGLMR 570103187716 City of Gilroy, its officers, officials representatives, agents, employees and volunteers Attn: Risk Manager 7351 Rosanna Street Gilroy CA 95020 USA SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. AUTHORIZED REPRESENTATIVE apt Rajindateeamea /eivtcd ' t.L. Certificate No o e jrkn o ACORD 25 (2016/03) ©1988'2015 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD POLICY NUMBER: GLO 0229945-08 COMMERCIAL GENERAL LIABILITY CG 20 12 04 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED - STATE OR GOVERNMENTAL AGENCY OR SUBDIVISION OR POLITICAL SUBDIVISION - PERMITS OR AUTHORIZATIONS This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE State Or Governmental Agency Or Subdivision Or Political Subdivision: THE CITY OF GILROY, ITS OFFICERS, OFFICIALS, REPRESENTATIVES, AGENTS, EMPLOYEES AND VOLUNTEERS 2641 RIVER AVE ROSEMEAD, CA 91770-3301 Information re uired to com.Iete this Schedule, if n t shown above, will be shown in the Declarations. A. Section II - Who Is An Insured is amended to include as an additional insured any state or governmental agency or subdivision or political subdivision shown in the Schedule, subject to the following provisions: 1. This insurance applies only with respect to operations performed by you or on your behalf for which the state or governmental agency or subdivision or political subdivision has issued a permit or authorization. However: a. The insurance afforded to such additional insured only applies to the extent permitted by law; and b. If coverage provided to the additional insured is required by a contract or agreement, the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. 2. This insurance does not apply to: a. "Bodily injury", "property damage" or "personal and advertising injury" arising out of operations performed for the federal government, state or municipality; or b. "Bodily injury" or "property damage" included within the "products -completed operations hazard". B. With respect to the insurance afforded to these additional insureds, the following is added to Section III - Limits Of Insurance: If coverage provided to the additional insured is required by a contract or agreement, the most we will pay on behalf of the additional insured is the amount of insurance: 1. Required by the contract or agreement; or 2. Available under the applicable Limits of Insurance shown in the Declarations; whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. CG 20 12 04 13 © Insurance Services Office, Inc., 2012 Page 1 of 1 POLICY NUMBER: GLO 0229945-08 COMMERCIAL GENERAL LIABILITY CG 24 04 05 09 WAIVER OF TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART SCHEDULE Name Of Person Or Organization: THE CITY OF GILROY, ITS OFFICERS, OFFICIALS, REPRESENTATIVES, AGENTS, EMPLOYEES AND VOLUNTEERS Information required to complete this Schedule, if not shown above, will be shown in the Declarations. The following is added to Paragraph 8. Transfer Of Rights Of Recovery Against Others To Us of Section IV — Conditions: We waive any right of recovery we may have against the person or organization shown in the Schedule above because of payments we make for injury or damage arising out of your ongoing operations or 'your work" done under a contract with that person or organization and included in the "products - completed operations hazard". This waiver applies only to the person or organization shown in the Schedule above. CG 24 04 05 09 © Insurance Services Office, Inc., 2008 Page 1 of 1 0 POLICY NUMBER: BAP 0229947-08 COMMERCIAL AUTO CA04441013 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. WAIVER OF TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US (WAIVER OF SUBROGATION) This endorsement modifies insurance provided under the following: AUTO DEALERS COVERAGE FORM BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by the endorsement. This endorsement changes the policy effective on the inception date of the policy unless another date is indicated below. Named Insured: MANHATTAN CAPITAL CORP., A CA CORP. Endorsement Effective Date: SCHEDULE Name(s) Of Person(s) Or Organization(s): THE CITY OF GILROY, ITS OFFICERS, OFFICIALS, REPRESENTATIVES, AGENTS, EMPLOYEES AND VOLUNTEERS Information required to complete this Schedule, if not shown above, will be shown in the Declarations, The Transfer Of Rights Of Recovery Against Others To Us condition does not apply to the person(s) or organization(s) shown in the Schedule, but only to the extent that subrogation is waived prior to the "accident" or the "loss" under a contract with that person or organization. CA04441013 © Insurance Services Office, Inc., 2011 Page 1 of 1 Additional Insured Automatic — Owners, Lessees Or Contractors ZURICH Policy No. Eff. Date of Pol. Exp. Date of Pot,, Eff; Dale of End, Producer No. Add'l, Prem Return Prem. GLO 0229945-08 01/01/2024 01/01/2025 75272000 INCL THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Named Insured: MANHATTAN CAPITAL CORP. , A CA CORP Address (including ZIP Code): 2641 RIVER AVE ROSEMEAD, CA 91770 This endorsement modifies insurance provided under the: Commercial General Liability Coverage Part A. Section II — Who Is An Insured is amended to include as an additional insured any person or organization whom you are required to add as an additional insured on this policy under a written contract or written agreement. Such person or organization is an additional insured only with respect to liability for "bodily injury", "property damage" or"personal and advertising injury" caused, in whole or in part, by: 1. Your acts or omissions; or 2. The acts or omissions of those acting on your behalf, in the performance of your ongoing operations or "your work" as included in the "products -completed operations hazard", which is the subject of the written contract or written agreement. However, the insurance afforded to such additional insured: 1. Only applies to the extent permitted by law; and 2. Will not be broader than that which you are required by the written contract or written agreement to provide for such additional insured. B. With respect to the insurance afforded to these additional insureds, the following additional exclusion applies: This insurance does not apply to: "Bodily injury", "property damage" or"personal and advertising injury" arising out of the rendering of, or failure to render, any professional architectural, engineering or surveying services including: a. The preparing, approving or failing to prepare or approve maps, shop drawings, opinions, reports, surveys, field orders, change orders or drawings and specifications; or b. Supervisory, inspection, architectural or engineering activities. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that insured, if the "occurrence" which caused the "bodily injury" or "property damage", or the offense which caused the "personal and advertising injury", involved the rendering of or the failure to render any professional architectural, engineering or surveying services. 00 05 13 001 Includes copyrighted material of Insurance Services Office, Inc., with its permission. U-GL-1175-F CW (04/13) Page 1 of 2 C. The following is added to Paragraph 2. Duties In The Event Of Ocourranoa, Off8nae, Claim Or Suit of Section IV — Commercial General Liability Conditions: The additional insured must see toitthat: ' 1. YVeare notified aesoon aopraoh"o ccurrence" 2. VVereceive written notice ofaclaim or"ouit"eSsoon aspracticable; and 3. A request for defense and indemnity of the claim or "suit" will promptly be brought against any policy issued by another insurer under which the additional insured may be on insured in any capacity. This provision does not apply to insurance on which the additional insured is @ NGno8d Insured if the written contract orwritten agreement requires that this coverage be primary and non-contributory. ` D. For the purposes pfthe coverage provided bythis endorsement: 1. The following is added to the Other Insurance Condition of Section 1\f — Commercial General Liability Conditions: Primary and Noncontributory insurance This insurance is primary hJand will not seek contribution from any other insurance available t0anadditional insured provided that: a. The additional insured io$Named Insured under such other insurance; and b. You are required by written contract or written agreement that this insurance be primary and not aG8k contribution from any other insurance available to the additional insured, 2. The following paragraph is added to Paragraph 4.b. of the Other Insurance Condition of Section IV — Commercial General Liability Conditions: This insurance iaexcess over: Any of the other |nsUr@Dce, whether primary, excesa, contingent or on any other basis, available to an additional insured, in which the additional insured on our policy is also covered anan additional insured on another policy providing coverage for the same "onnu[nence", offense' claim Or "suit". This provision does not apply to any policy inwhich the additional insured |aaNamed Insured onsuch other policyand where our policy isrequired by a vvrU1eO contract or written agreement to provide coverage to the additional insured on m primary and non- contributory basis. ' E. This endorsement does not apply to an additional insured which has been added to this policy by an endorsement showing the additional insured in a Schedule of additional insureds, and which endorsement applies specifically to that identified additional insured. F. With respect tothe insurance afforded to the additional insureds under this endorsement, the following is added to Section III — Limits OfInsurance: The most vvewill pay onbehalf ofthe additional insured isthe amount Vfinsurance: 1. RequiredbvthewrhhehtoDtr8oto[vVhLban8gree08ntrefen3nomdinPa[agnaphA.[fthk9$OdVregOnent|or 2. Available under the applicable Limits of Insurance shown in the OeV|@[aUnng. whichever isless. This endorsement shall not increase the applicable Limits OfInsurance shown iDthe Declarations. All other terms and conditions of this policy remain unchanged. Page 2 of 2 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Policy Number GLO 0229945-08 SCHEDULE OF NAMED INSURED(S) ZURICH AMERICAN INSURANCE COMPANY Named Insured Agent Name MANHATTAN CAPITAL CORP., A CA AON RISK INSURANCE SERVICES WE Effective Date: 01- 01- 2 3 12:01 A,M., Standard Time Agent No. 75272-000 NAMED INSURED MANHATTAN CAPITAL CORP., A CA CORP. IRISH CONSTRUCTION, A CALIFORNIA CORPORATION IRISH COMMUNICATION COMPANY, A CALIFORNIA CORPORATION IRISH ELECTRIC CORPORATION, A CALIFORNIA CORPORATION MANHATTAN CAPITAL CORPORATION, A CALIFORNIA CORPORATION 06 13 001107 009635 P U-GU-621-A CW (10/02) Waiver Of Subrogation (Blanket) Endorsement Policy No, Eft Date of Pol. Exp. Date of Pol. Eff. Date of End. Producer Add'l Prem. Return Prem, GL.0 0229945-08 01/01/2024 01/01/2025 75272000 $ INCL $ THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the: Commercial General Liability Coverage Part The following is added to the Transfer Of Rights Of Recovery Against Others To Us Condition: if you are required by a written contract or agreement, which is executed before a loss, to waive your rights of recovery from others, we agree to waive our rights of recovery. This waiver of rights shall not be construed to be a waiver with respect to any other operations in which the insured has no contractual interest. 1J-0L-925-B CW (12/01) Page 1 of 1 WORKERS' COMPENSATION AND EMPLOYERS' LIABILITY INSURANCE POLICY WC 04 03 06 (Ed. 4-84) WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT- CALIFORNIA We have the right to recover our payments from anyone liable for an injury covered by this policy. We will not enforce our right against the person or organization named in the Schedule. (This agreement applies only to the extent that you perform work under a written contract that requires you to obtain this agreement from us.) You must maintain payroll records accurately segregating the remuneration of your employees while engaged in the work described in the Schedule. The additional premium for this endorsement shall be of the California workers' compensation pre-mium otherwise due on such remuneration. Person or Organization ALL PERSONS AND/OR ORGANIZATIONS THAT ARE REQUIRED BY WRITTEN CONTRACT OR AGREEMENT WITH THE INSURED, EXECUTED PRIOR TO THE ACCIDENT OR LOSS, THAT WAIVER OF SUBROGATION BE PROVIDED UNDER THIS POLICY FOR WORK PERFORMED BY YOU FOR THAT PERSON AND/OR ORGANIZATION Schedule Job Description ALL CA OPERATIONS 000000 0713 001107 009636 P WC 252 (4-84) WC 04 03 06 (Ed. 4-84) Page 1 of 1 Coverage Endorsement ��������������"���� Policy No, �Date of Pot. Exp, Date of Pot. Eff, Date of rin& Producer No, AddT Prom Return Prom. BAPO22S947-0V 0101/2024 01/01/2025 75272000 |NCL THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the: Business Auto Coverage Form Motor Carrier Coverage Form A. Amended Who |mAm Insured 1. The following |madded fothe Who |s AulInsured Provision inSection U—Covered Autos Liability Coverage: The following are also "inoUredn": a. Any "employee" of yours is an "insured" while using a covered "auto" you don't own, hire or borrow for ant performed within the scope of employment by you. Any "employee" of yours is also an "insured" while operating an "auto" hired or rented under a uVnt[8Ct or agreement in an "employee's" n@0a, with your permission, while performing duties related to the conduct of your business. b. Anyone volunteering services to you is an "insured" while using a covered "auto" you don't own, hire or borrow to transport your clients or other persons in activities necessary to your business. c. Anyone else who furnishes an "auto" referenced in Paragraphs A.I.a. and A.I.b. in this endorsement, d. Where and to the extent permitted by law, any person(s) or organization(s) where required by written contract or written agreement with you executed prior to any "8CcideOi", including those person(s) or organization(s) directing your work pursuant to such written contract or written agreement with you, provided the "aCc1dent" arises out of operations governed by such contract or agreement and only up to the limits required in the written contract or written agreement, or the Limits of Insurance shown in the Declarations, whichever is less, 2. The following is added to the Other Insurance Condition in the Business Auto Coverage Form and the Other |nsurancm—Prinlaryand Excess Insurance Provisions Condition |Dthe Motor Carrier Coverage Form: Coverage for any person(s) or org@Oiz8UoD(8), where required by written contract or written agreement with you executed prior to any "accident", will apply VD a primary and D0D-u0Dt,ibVtVry basis and any insurance maintained by the additional "insured" will apply on an excess basis. However, in OV event will this coverage extend beyond the terms and conditions ofthe Coverage Form. B. Anmendnnmnt—Supp|gnmentmryPwynnmnta Paragraphs m.(2) and m.WU of the Cwvgma8w Extensions Provision in Section || — CmVmnnd Autos Liability Coverage are replaced bythe following: (2) Up to $6'000 for the cost of bail bonds (including bonds for na|ob*d traffic law violations) required because of an "'@ooidont"wocover. VVednnot have tofurnish these bonds. /4\ All reasonable expenses incurred Uythe "insured" atour request, including actual |nsn of earnings up to $500 a day because oftime off from work. U-CA-424 0W (04-14) Page 1ofG Includes copyrighted material ofInsurance Services Office, |mc..with Its permission. C. Fellow Employee Coverage The Fellow Employee Exclusion contained in Section II — Covered Autos Liability Coverage does not apply. D. Driver Safety Program Liability and Physical Damage Coverage 1. The following is added to the Racing Exclusion in Section II — Covered Autos Liability Coverage: This exclusion does not apply to covered "autos" participating in a driver safety program event, such as, but not limited to, auto or truck rodeos and other auto or truck agility demonstrations. 2. The following is added to Paragraph 2. in the Exclusions of Section III — Physical Damage Coverage of the Business Auto Coverage Form and Paragraph 2.b. in the Exclusions of Section IV— Physical Damage Coverage of the Motor Carrier Coverage Form: This exclusion does not apply to covered "autos" participating in a driver safety program event, such as, but not limited to, auto or truck rodeos and other auto or truck agility demonstrations. E. Lease or Loan Gap Coverage The following is added to the Coverage Provision of the Physical Damage Coverage Section: Lease Or Loan Gap Coverage In the event of a total "loss" to a covered "auto", we will pay any unpaid amount due on the lease or loan for covered "auto", less: a. Any amount paid under the Physical Damage Coverage Section of the Coverage Form; and b. Any: (1) Overdue lease or loan payments at the time of the "loss"; (2) Financial penalties imposed under a lease for excessive use, abnormal wear and tear or high mileage; (3) Security deposits not returned by the lessor; (4) Costs for extended warranties, credit life insurance, health, accident or disability insurance purchased with the loan or lease; and (5) Carry-over balances from previous leases or loans. F. Towing and Labor Paragraph A.2. of the Physical Damage Coverage Section is replaced by the following: We will pay up to $75 for towing and labor costs incurred each time a covered "auto" of the private passenger type is disabled. However, the labor must be performed at the place of disablement. G. Extended Glass Coverage The following is added to Paragraph A.3.a. of the Physical Damage Coverage Section: If glass must be replaced, the deductible shown in the Declarations will apply. However, if glass can be repaired and is actually repaired rather than replaced, the deductible will be waived. You have the option of having the glass repaired rather than replaced, H. Hired Auto Physical Damage — Increased Loss of Use Expenses The Coverage Extension for Loss Of Use Expenses in the Physical Damage Coverage Section is replaced by the following; Loss Of Use Expenses For Hired Auto Physical Damage, we will pay expenses for which an "insured" becomes legally responsible to pay for loss of use of a vehicle rented or hired without a driver under a written rental contract or written rental agreement. We will pay for loss of use expenses if caused by: 0313 001107 009637 P U-CA-424-F CW (04-14) Page 2 of 6 Includes copyrighted material of Insurance Services Office, Inc., with its permission U\ Other than collision only if the Declarations indicate that Comprehensive Coverage is providedfov any covered "auk;"; (2) Specified Causes Of Loss only if the Declarations indicate that Specified Causes Of Loss Coverage is provided for any covered "auto"; or C0 Collision only ifthe Declarations indicate that Collision Coverage ks providedfor any covered "auto". However, the most vvewill pay for any expenses forloss ofuse ks $1UOper day, b}onn8XimV[nof$300O. !. Pam;mnm| Effects Coverage The following is added to the Coverage Provision of the Physical Damage Coverage Section: Personal Effects Coverage a. YVowill pay upto$75Ofor "|nse"to personaleffoot which are: M\ Personal property owned by an "insured"; and C8 In or on a covered "auto". b. Subject to Paragrapha.above, the amount inbP paidfov"loaa"b]pgraon@|effgotsviUbebasedVnthekesa8rot (1) The reasonable cost horeplace; or 88 The actual cash value, c. The coverage provided in Paragraphs a. and b. above, only applies in the event of total theft ofa covered "auto". No deductible applies to this coverage. Hovvever, we will not pay for "|ooa" to personal effects of any of the following: (j) Acc0unb;, bills, cVrrancy, deeds, evidence of debt, money' notes, oocuhti8a, or upno0groh]| paper or other documents Vfvalue. /2\ Bullion, Qo|d, ai|ver, pbxtinum, or other precious alloys or metals; furs or fur garments; 'ovve!ry' watches, precious orsemi-precious stones. C8 Paintings, statuary and other works ofart. W8 Contraband orproperty iUthe course ofillegal transportation prtrade. (5) Topes' records, discs 0rother similar devices used with audio, viaV8| or data electronic equipment Any coverage provided by this Provision is excess over any other insurance coverage available for the same "loss". J. Tapes, Records and Discs Coverage 1. The Exclusion |nParagraph 13.4.m.ofSection III -Physical Damage Coverage inthe Business Auto Coverage Form and the Exclusion in Paragraph B.2.c. of Section |V —PMyaicm| Damage Cpvmnmgw in the Motor Carrier Coverage Form does not apply. 2. The following is added to Paragraph 1.m, Comprehensive Coverage under the Coverage Provision of the Physical Damage Coverage Section: We will pay for "loss" to tapn8, records' discs or other akni|or devices used with audio, visual or data electronic equipment. We will pay only if the tapes, records, discs or other similar audio, visual or data electronic devices: (a) Are the property ofmn"iOsUred"; and (b) Are in a covered "auto" at the time of "loss". The most we will pay for such "loss" to tapes, records' disco or other similar devices is $500. The Phoeom| Damage Coverage Deductible Provision does not apply to such "loss". V-CA-424-FCW(0414) Page 3of0 Includes copyrighted material of Insurance Services Office, Inc., with its permission. K. Airbag Coverage The Exclusion in Paragraph B.3.a. of Section III —Physical Damage Coverage in the Business Auto Coverage Form and the Exclusion in Paragraph B.4.a. of Section IV Physical Damage Coverage in the Motor Carrier Coverage Form does not apply to the accidental discharge of an airbag. L. Two or More Deductibles The following is added to the Deductible Provision of the Physical Damage Coverage Section: If an accident is covered both by this policy or Coverage Form and by another policy or Coverage Form issued to you by us, the following applies for each covered "auto" on a per vehicle basis; 1 if the deductible on this policy or Coverage Form is the smaller (or smallest) deductible, it will be waived; or 2. If the deductible on this policy or Coverage Form is not the smaller (or smallest) deductible, it will be reduced by the amount of the smaller (or smallest) deductible. M. Physical Damage - Comprehensive Coverage — Deductible The following is added to the Deductible Provision of the Physical Damage Coverage Section: Regardless of the number of covered "autos" damaged or stolen, the maximum deductible that will be applied to Comprehensive Coverage for all "loss" from any one cause is $5,000 or the deductible shown in the Declarations, whichever is greater. N. Temporary Substitute Autos - Physical Damage 1, The following is added to Section 1- Covered Autos: Temporary Substitute Autos — Physical Damage If Physical Damage Coverage is provided by this Coverage Form on your owned covered "autos", the following types of vehicles are also covered "autos" for Physical Damage Coverage: Any "auto" you do not own when used with the permission of its owner as a temporary substitute for a covered "auto" you do own but is out of service because of its: 1. Breakdown; 2. Repair; 3, Servicing; 4, "Loss or 5. Destruction. 2. The following is added to the Paragraph A. Coverage Provision of the Physical Damage Coverage Section; Temporary Substitute Autos - Physical Damage We will pay the owner for "loss" to the temporary substitute "auto" unless the "loss" results from fraudulent acts or omissions on your part. If we make any payment to the owner, we will obtain the owner's rights against any other party. The deductible for the temporary substitute "auto" will be the same as the deductible for the covered "auto" it replaces. O. Amended Duties In The Event Of Accident, Claim, Suit Or Loss Paragraph a. of the Duties In The Event Of Accident, Claim, Suit Or Loss Condition is replaced by the following: a. In the event of "accident", claim, "suit" or "loss", you must give us or our authorized representative prompt notice of the "accident", claim, "suit" or "loss". However, these duties only apply when the "accident", claim, "suit" or "loss" is known to you (if you are an individual), a partner (if you are a partnership), a member (If you are a limited liability company) or an executive officer or insurance manager (if you are a corporation). The failure of any 000000 0913 001107 009638 P U-CA-424-F cW (04-14) Page 4 of 6 Includes copyrighted material of Insurance Services Office, Inc., with its permission. agent, servant oremployee ofthe "iOoured"k}notify Vocf any "aCcidgnC'claim, "sUit"or"loss'shall not invalidate the insurance afforded bvthis policy. |Odude.,aVsoon oo practicable: /1\ How, when and where the "acoidgnt or"|ose"occurred and if a claim is made Vr"suit" is brought, written notice of the claim or "suit" including, but not lin'lited to, the date and details of such claim or "suit"; U2\ The "ioourod's"name and address; and (B) Tothe extent possible, the names and addresses Vfany injured peraunsandvitneeaeo. If you report an "accident", claim, "suit" or "loss" to another insurer when you should have reported to Vo, your failure tUreport tOuowill not be seen aSaviolation ofthese amended duties provided you give us notice as soon 8spracticable after the fact ofthe delay becomes known toyou. P. Waiver ofTransfer OfRights OfRecovery Against Others Tp Um The following |eadded bnthe Transfer OfRights Of Recovery Against Others ToUmCondition: This Condition does not apply to the extent required of you by a written coDtr8Ct, aXRcVt*d prior to any "accident" or "loss", provided that the "accident" or "loss" arises out Vfoperations contemplated by such contract. This waiver only applies to the person or organization designated in the contract. Q. Employee Hired Autos — Physical Damage Paragraph b. of the Other Insurance Condition in the Business Auto Coverage Form and Paragraph t of the Other Insurance — Primary and Excess Insurance Provisions Condition in the Motor Carrier Coverage Form are replaced bythe following: For Hired Auto Physical Damage Coverage, the following are deemed to be covered "autos" you own: (1) Any covered "auto" you |eAse, hire, rent or borrow; and (2) Any covered "8utu"hired orrented under a written contract urwritten agreement entered into bv8n"emp|oyee"o[ elected or appointed official with your permission while beingu operated within the course and scope of that "enlp|oyee'm"80p|oynl*OtbyyUuorthafe|e(tedorappointedofOcia|'odutiesasrespeOttheir0b|igations to you. However, any "auto" that is leased, hired, rented or borrowed with a driver is not a covered "auto". R. Unintentional Failure toDisclose Hazards The following is added to the Concealment, Misrepresentation Or Fraud Condition: However' we will not deny coverage under this Coverage FOnn if you unintentionally: M\ Fail to disclose any hazards existing at the inception date of this Coverage Form; or (2) Make an error, omission, improper description of "autos" or other misstatement of information. You must notify us as soon as possible after the discovery of any hazards orany other information that was not provided to uOprior tothe acceptance ofthis policy. S. Hirad/kuto—Wmr|dVVide Coverage Paragraph 7a.(5) of the Policy Period, Coverage Territory Condition is replaced by the following: (5) Anywhere in the world if a covered "auto" is leased, hired, rented or borrowed for a period of 60 days or less, T. Bodily Injury Redefined The definition of"bodily injury" 1DtheDeDnitiOnoGo(tioniorop|oogdbythefoUoVv|ng: "Bodily injury" means bodily injury, sickness or disease, sustained by a person including death or mental anguish, resulting from any ofthese 8tanytime. Mental anguish means any type ofmental oremotional illness ordisease. U-CA-424-FCW (0444) Page 5ofO Includes copyrighted material of Insurance Services Office, Inc., with Its permission. U. Expected OrIntended Injury The Expected CJrIntended Injury ' Exclusion in Paragraph B. Exclusions under Section 11 — Covered Auto Liability Coverage is replaced bvthe following: ` Expected OrIntended Injury "Bodily injury" or "property damage" intended from the standpoint of the "insured". This exclusion does not apply to "bodily ^injury" or "property resulting from the use of reasonable force to protect persons or proP*[h/. ' V. Physical Damage —Additional Temporary Transportation2xoense Coverage ` Paragraph A.4.m.VfSection III —`Physical Damage Coverage isreplaced bvthe following: 4. Coverage Extensions a. Transportation enses ' ` We will pay up to$50 per day to a maximum of $1 for temporary transportation expense incurred by because of the total theft of a covered "auto" of the private passenger type. We will pay only for those covered "autos" for which you carry either Comprehensive or Specified Causes of Loss Coverage. We will pay for temporary transportation expenses incurred during the period beginning 48 hours after the theft and ending, regardless of the policy's expiration, when the covered "auto" is returned to use or we pay for its W. Replacement of a Private Passenger Auto with a Hybrid or Alternative Fuel Source Auto The following is added to Paragraph A. Coverage of the Physical Damage Coverage Section: In the event of a total "loss" to a covered "auto" of the private passenger type that is replaced with a hybrid "auto" or "auto" powered by an alternative fuel source of the private passenger type, we will pay an additional 10% of the cost of the replacement "auto", excluding tax, title, license, other fees and any aftermarket vehicle upgrades, up to a maximum of $2500' The covered "auto" must be replaced by hybrid "auto" or an `aunz' powered by an e/narnanvo fuel source within 00 calendar days of the payment of the "loss" and evidenced by a bill of sale or new vehicle lease agreement, To qualify as a hybrid "auto", the "auto" mUst` be powered by a conventional gasoline engine and another source of propulsion power. The other source of propulsion power must be ekactdo' hydrogen, pn}peOe, solar or natural gae, either compressed or liquefied, To qualify as an "auto" powered by an alternative fuel source, the "auto" rnWot be powered by a source of propulsion power other than o conventional gasoline engine. An "aWto''solely propelled by biofuel, gasoline or diesel fuel or any blend thereof is not an "auto" powered by an alternative fuel source. ` X. Return pfStolen Automobile , The following is added tothe Coverage Extension Provision ofthe Physical Damage Coverage Section: ' If covered "auto" is stolen and recovered, we will, pay the cost nftransport tnreturn the "auto" to you. We will pay only for those covered "8ui0s'for which you carry either Comprehensive nrGPeoifindC8Vo8sVfLoysC0vek*ge. All other terms, conditions, provisions and exclusions ofthis policy remain the same. 3001107009639p U-CA424-FCYY0444 Page 6 of 6 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Contractors Liability Supplemental Coverages And Conditions ZURICH® Policy No, Eff. Date of Pol. Exp. Dale of Pot. Eff. Date of End. Producer No, Add'l. Prom Return Prem. GLO 0229945-08 01/01/2024 01/01/2025 75272000 INCL THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the: Commercial General Liability Coverage Part NON -OWNED WATERCRAFT SCHEDULE Watercraft Length: feet (If no amount is shown above, 51 feet applies.) A. Non -owned Watercraft Liability Extended Coverage Paragraph (2) of Exclusion 2.g. Aircraft, Auto Or Watercraft under Section I — Coverage A Bodily Injury And Property Damage Liability is replaced by the following: (2) A watercraft you do not own that is: (a) Less than the length shown in the Non -Owned Watercraft Schedule of this endorsement; and (b) Not being used to carry persons or property for a charge; B. Damage To Premises Rented Or Occupied By You I. The last paragraph under Paragraph 2. Exclusions of Section I — Coverage A — Bodily Injury And Property Damage Liability is replaced by the following: Exclusions c. through n. do not apply to damage by "specific perils" to premises while rented to you or temporarily occupied by you with permission of the owner. A separate Damage to Premises Rented To You Limit of Insurance applies to this coverage as described in Section III — Limits Of Insurance. 2. The paragraph directly following Paragraph (6) in Exclusion j. of Section I — Coverage A — Bodily Injury And Property Damage Liability is replaced by the following: Paragraphs (1), (3) and (4) of this exclusion do not apply to "property damage" to premises (other than damage by "specific perils"), including "property damage" to the contents of such premises, rented to you under a rental agreement for a period of 14 or fewer consecutive days. A separate Limit of Insurance applies to Damage to Premises Rented to You as described in Section III — Limits Of Insurance. 3. Paragraph 6. of Section III — Limits Of Insurance is replaced by the following: 6. Subject to Paragraph 5, above, the Damage To Premises Rented To You Limit is the most we will pay under Coverage A for damages because of "property damage" to any one premises while rented to you, or in the case of damage by one or more "specific perils" to any one premises, while rented to you or temporarily occupied by you with permission of the owner. 4. Paragraph a. of the "insured contract" definition under the Definitions Section is replaced by the following: U-GL-1060-E CW (04/13) Page 1 of 6 Includes copyrighted material of Insurance Services Office, Inc., with its permission. a. A contract for a lease of premises. However, that portion of the contract for a lease of premises that indemnifies any person or organization for damage by "specific perils" to premises while rented to you or temporarily occupied by you with permission of the owner is not an "insured contract"; 5. Paragraph (ii) under Paragraph 4.b.(1) of the Other Insurance Condition under Section IV — Commercial General Liability Conditions is replaced by the following: (ii) That is property insurance providing coverage for "specific perils" for premises rented to you or temporarily occupied by you with permission of the owner; 6. The following definitions are added to the Definitions Section: "Specific perils" means fire, lightning, explosion, windstorm or hail, smoke, aircraft or vehicles, riot or civil commotion, vandalism, leakage from fire extinguishing equipment, weight of snow, ice or sleet or"water damage". "Water damage" means accidental discharge or leakage of water or steam as the direct result of the breaking or cracking of any part of a system or appliance containing water or steam. C. Additional Insured — Lessor Of Leased Equipment — Automatic Status When Required In Lease Agreement With You 1. Section II — Who Is An Insured is amended to include as an additional insured any person(s) or organization(s) from whom you lease equipment when you and such person(s) or organization(s) have agreed in a written contract or written agreement that such person(s) or organization(s) be added as an additional insured on your policy. Such person(s) or organization(s) is an additional insured only with respect to liability for "bodily injury "property damage" or "personal and advertising injury" caused, in whole or in part, by your maintenance, operation or use of equipment leased to you by such person(s) or organization(s). However, the insurance afforded to such additional insured: a. Only applies to the extent permitted by law; and b. Will not be broader than that which you are required by the contract or agreement to provide for such additional insured. A person's or organization's status as an additional insured under this endorsement ends when their contract or agreement with you for such leased equipment ends. 2. With respect to the insurance afforded to these additional insureds, this insurance does not apply to any "occurrence" which takes place after the equipment lease expires. 3 With respect to the insurance afforded to these additional insureds, the following is added to Section III — Limits of Insurance: The most we will pay on behalf of the additional insured is the amount of insurance: a. Required by the written contract or written agreement you have entered into with the additional insured; or b. Available under the applicable Limits of Insurance shown in the Declarations, whichever is less. The insurance provided by this Paragraph C. shall not increase the applicable Limits of Insurance shown in the Declarations. D. Additional Insured — Managers Or Lessors Of Premises 1. Section II - Who Is An Insured is amended to include as an additional insured any person(s) or organization(s) that you have agreed in a written contract or written agreement to name as an additional insured, but only with respect to liability arising out of the ownership, maintenance or use of that part of premises Leased to you and subject to the following additional exclusions: This insurance does not apply to: a Any "occurrence" which takes place after you cease to be a tenant in that premises. b. Structural alterations, new construction or demolition operations performed by or on behalf of the additional insured manager or lessor of the premises leased to you. However, the insurance afforded to such additional insured: a. Only applies to the extent permitted by law; and 000000 11 13 001107 009640 P Includes copyrighted material of Insurance Services Office, Inc., with its permission. U-GL-1060-E CW (04/13) Page 2 of 6 b. Will not bebroader than that which you are required bvthe contract oragreement hoprovide for such additional insured, 2. With respect to the insurance afforded to these additional insureds, the following i8added to SectionU|— Limits of Insurance: ' The most wowill pay oDbehalf nfthe additional insured h;the amount ofinsurance: a. Required bvthe written contract or written agreement you have entered into with the additional insured; or b. Available under the applicable Limits ofInsurance shown inthe Declarations; whichever is less, The insurance provided by this Paragraph D. shall not increase the applicable Limits of Insurance shown in the Declarations. . E. Additional Insured —State Or Governmental Agency Orsubdivision Or Political Subdivision —Permits Or Authorizations 1. Section U—Who |s AnInsured isamended h)include os anadditional insured any state orgovernmental agency or subdivision Or political subdivision that you have agreed in o written contract or written agreement or that you are required by 8tatVt8. ordinance or nagH|@tinD to name as on additional iDmun3d, subject to the following provisions: a. This insurance applies only with respect to operations performed bvyou orcm yourbehalf for which the state or governmental agency or subdivision or political subdivision has issued a permit or authorization. b. This insurance does not apply to: /1\ "Bodily i 'ury"."pn}pgrh/da0age"or"pereon8{QndedverUsingi 'u[y''arie|ngoutofopa[ationspedbrOlod for the federal government, state or municipality; or (2) "Bodily injury" or"property damage included within the "produota-con)p|eted operations hazard". However, the insurance afforded tosuch additional insured: a. Only applies to the extent permitted by law; and b. Will not be broader than that which you are required by the contract or agreement to provide for such additional insured. 2. With respect b)the insurance afforded tothese additional insureds, the following kaadded hJSection III —Limits ufhlounonce: The most wewill pay oDbehalf cfthe additional insured ksthe amount Vfinsurance: a. Required bvthe written contract orwritten agreement you have entered into with the additional insured; or b. /4/ei|eb|e under the applicable Limits of Insurance shown in the Declarations; whichever iyless. The insurance provided bvthis Paragraph Eshall not increase the applicable Limits OfInsurance shown inthe Declarations. F. Personal And Advertising Injury Coverage —Assumed Under Contract OrAgreement 1. Exclusion m. of Section | — Coverage 2|— Personal And Advertising Injury Liability is nap|eoed by the following: 2. Exclusions This insurance does not apply to: a. Contractual Liability "Personal and advertising i jump for which the insured has assumed UabUUx in a contract oragreement. This exclusion does not apply to: (1) Liability for damages that the insured would have in the absence of the contract or agreement; or (2) Liability for "personal and advertising injury" if: U-GL-1060-E Page 3 of 6 Includes copyrighted material of Insurance Services Office, |nc..with its permission. (a) The liability pertains to your business and is onaun*Kd in e contract or agreement that is an "insured 0oDtract"|and (b) The "personal and advertising injury" occurs subsequent to the execution of the contract or agreement. Solely for the purposes of liability so assumed in such "insured contract", reasonable attorney fees and necessary |iUQ8Uun expenses incurred by or-fono party other than an insured are deemed to be damages because 8f"personal and advertising injury", provided: ' U\ Liability to party for, or for the coot of, that p ^�odefenon has also been assumed in theand UU Such attorney fees and litigation expenses are for defense of that party against. mcivil cr @|harnaUwa dispute resolution proceeding in which damages to which this insurance applies are alleged. 2. For purposes 0fthis "personal and advertising injury" coverage only: ' Paragraph d. and the second to last paragraph under Paragraph 2. of SupplementaryPayments — Coverages ' A and B are replaced bvthe following: d. The allegations in the "suit" and the information we know the "occurrence" or offense are such that no conflict appears toexist between the interests ofthe insured and the interest Vfthe inda0nbee; Go long as the above conditions are met, ' fees incurred by us |nthe defense of thatiDde0nitee, necessary litigation expenses incurred by us and necessary litigation expenses incurred bvthe 1ndennDhag at "bodilyour request will be paid as Supplementary Payments. Such payments will not be deemed to be damages for injury", "property damage" or "personal and advertising injury" and will not reduce the limits of G. Insured Contract Amendment Paragraph f. and f.(1)through f.(3)ofthm"|msured definition under the Definitions Section is replaced by the following: . t That part of any other contract or agreement pertaining to your business (including an indemnification of a municipality in connection with work performed for a municipality) under which you assume the tort liability of another to pay for "bodily injury", "property damage" or "personal and advertising third person or organization. Tod liability means a liability that would be imposed by |oVv in the absence 0fany contract or agreement. Paragraph tdoes not include that part ofany contract o[agreement: M\ That indemnifies a railroad for "bodily injury", "property d$0ago" or "personal and advertising injury". arising out of construction or demolition operations within 50 feet of any railroad property and affecting any [ei|n)ad bridge ortrestle, tracks, ,ogd-beds,tunnel, underpass Vrcrossing; (2) That indemnifies aDarchitect, engineer Orsurveyor for injury ordamoyg@rin|ngouto': <m\ Preparing, ' approving, Vrfailing tO prepare or approve, Anap3. shop drawings, opinions, reports, aurveya, field orders, change orders 0rdrawings and specifications; or (b) Giving directions or instructions, or failing to give Ulnnn' if that is the 'nlory cause of the injury or damage; ` (3) Under which the insuredif an architect, engineer or surveyor, assumes liability for Oninjury or damage arising out of the i is renderingVr hai|Un8 to render professional services, including those listed in C8 above and supervisory, inspection, architectural Vrengineering activities; (4) That indemnifies 8person o[organization for "personal and advertising injury": (a) Arising out of advertising, pVb|iohiMg, broadcasting or telecasting done for you or on your behalf; or /b\ To an "employee" of such person or organization that does advertising, publishing, broadcasting or telecasting for you oronyour behalf; Vr (5) That indemnifies a labor leasing firm for "bodily injury" to "leased workers". OOGOOO 12 13 001107 009641 Page 4 of 6 Includes copyrighted material ofInsurance Services Office, |mc..with Its permission, H. Medioo|Pmwnnontm—|normmmwd Reporting Period Paragraph a. of Section I — Coverage C — Medical Payments is replaced by the following: a. We will pay medical expenses as described below for "bodily injury" caused by an accident: (1) ODpremises you own Vrrent; (2) Cmways next bJpremises you own orrent; or (3) Because ofyour operations; provided that: (a) The accident takes place in the "coverage territory" and during the policy period; (h) The expenses are incurred and reported tOu8within three years ofthe date nfthe accident; and (o) The injured person subOnita to examination, at our expense, by physicians of our choice as often as we reasonably require. i Broad Bsi| Bond Coverage Paragraph 1.b.under Supplementary Payments — Coverages A And Bioreplaced bvthe following: b. The cost of ball bonds required because of accidents or traffic law violations arising out of the use of any vehicle tuwhich the Bodily Injury Liabi|itVCoverageopp|ieo. VVedVnot have tofurnish these bonds. J. Amendment — Duties |nThe Event ufOccurrence, Offense, Claim orSuit The following paragraphs are added to Paragraph 2Duties In The Event CeOccurrence, Offmpso' Claim Or Suit ofSection |V—Commercial General Liability Conditions: Notice of an "q:oUneno9" or of an offense which may result in a claim under this insurance on notice of a claim or "suit" shall be given to us as soon as practicable after knowledge of the "occurrence", Vff8nee' claim or "suit" has been reported to your officer, manager, partner or an "employee" authorized by you to Qiw] or receive such notice. KnVvv|8dQe by"ennp|oyeGe"other than your officer, manager, partner or "employee" authorized by you to 0iyo or receive such notice of an "occurrence", offense, claim or "suit" does not imply that you also have such knowledge. In the event that an insured reports an "occurrence" toyour workers compensation carrier and this "occurrence" later develops into a General Liability o|oinn' -covered by this Coverage Part, the |Doured'a failure to report such "occurrence" to us at the time of the "occurrence" shall not be deemed to be a violation of this Condition. You must, hoYvever, give us notice as soon as pr8ot1umWo after being made eYvnn3 that the particular claim is aBengra| Liability rather than aWorkers Compensation claim. K. Unintentional Failure To Disclose {]rDescribe Hazards Paragraph 6. Representations of Section IV — Commercial General Liability Conditions is replaced by the following: ' 8. Representations ` By accepting this policy, you agree: a. The statements |nthe Declarations are accurate and complete; b. Those statements are based upon representations you made tous; and c. VVehave issued this policy |nreliance upon your representations. Coverage will continue b]apply ifyou unintentionally: (1) Fail todisclose all hazards existing atthe inception ofthis policy; or (2) Make an error, onn|Gsi0D or improper description of premises or other statement of information stated in this policy. ` You must notify us in writing as soon as possible after the discovery of any hazards or any other information that was not provided buusprior tminception Vfthis Coverage Part. L. Bodily Injury Redefined The "bodily injury" definition under the Definitions Section is replaced by the following: Page 5 of 6 Includes copyrighted material of Insurance Services Office, Inc., with its permission. "Bodily injury" PleGOo bodily injury, sickness or disease aueb3hled by person, including death resulting from any of these akany time. This includes OloDta| onQUkah' mental injury, shock, fright ordeath resulting from bodily injury, sickness ordisease. M. Two Or More gfOur CoveragmParta/Poicieo The following ksadded b]Section III — Limits ofInsurance: 1. Subject Liability Coverage Part or policy providing Commercial General Liability insurance issued to you by us or any other Zurich underwriting company affiliated with us apply to the same "occurrence", only the highest available Each Occurrence Limit under any such Coverage Part orpolicy applies bisuch "VCcurrence'. 3. Subject to Paragraph 2. above, if this Coverage Part and any other Coverage Part Vrpolicy providing Commercial General Liability insurance issued to you by us or any other Zurich underwriting company affiliated with us apply to the same offense, only the highest available Personal And Advertising Injury Limit under any such Coverage Part orpolicy applies b}such offense, 3. Under this Coverage Part and all other Zurich underwriting company Coverage Parts or policies ' to °which Paragraphs 1. and 2. above combined apply, the most we will pay for all injury or damage because of "bodily injury" or "property damage" "occurrences", "personal and advertising i'urv"offeDs*oandnnedicdexp*Rs8aia: a. The single highest Coverage Part ovpolicy General Aggregate LknK|Vr h. The single highest Coverage Part urpolicy ' Products -Completed Operations Aggregate Limit, whichever applies, whether such "occurrencg", offenses or medical expenses are covered by one or more than one Zurich underwriting company policy. 4. Any existing provisions under Paragraph 4. Other Insurance under Section IV — Commercial General Liability Conditions that may be contrary to the provisions of this endorsement are amended to comply with the changes in coverage aastipulated inParagraphs 1..2.'and 3.above. This provision does not apply to any Coverage Part or policy issued by us or any other Zurich underwriting company affiliated with us specifically to apply as excess insurance over this Coverage Part. N. Your Work Redefined Paragraph a.(1)ofthe "your work" definition under the Definitions Section |oreplaced bvthe following: 22. "Your work": a. Means: (1)Work or operations performed by you or on your behalf, but does not include work or operations performed by another entity who joined with you to fOnn 8 partnership or joint venture not shown as a Named Insured in the Deo|onst|ons, which h3rnO|nehad or ended prior to the effective date of this policy; and All other terms and conditions of this policy remain unchanged. 000000 13 13 001107 009642 P Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 6 of 6