Regular Meeting Agenda 10/21/2025 by cowlitzwa.gov

Steve Rader, Commissioner District 1

Steven L. Ferrell, Commissioner District 2

Richard R. Dahl, Commissioner District 3

Kelly Grayson, Clerk of the Board

Regular Public Meeting

October 21 , 202 5 , 9:00 a.m.

Board Meeting Convenes at 9:00 a.m.

 Invocation by Invitation

 Pledge of Allegiance

 Minutes of October 6-8 & October 13-15, 2025

 Consent Agenda of October 21, 2025

 Proclamation

 Motion Items

 Public Hearing – 9:30 a.m.

 Workshop – 10:00 a.m.

 Public Comments

o Citizen Participation may be anonymous. See RCW 42.30.040

Special Guest

 Representative Peter Abbarno Proclamation

 Resolution Proclaiming October 23-31, 2025, as Red Ribbon Week in Cowlitz County. (14433)

Consent Agenda

Call for Bids

1. Call for Bids - Camelot Large Onsite Septic System (LOSS) Project for the installation of a new 24,000-gallon concrete septic tank and associated drain field to replace the existing onsite system scheduled for November 17, 2025, at 1:30 p.m. (14418)

2. Call for Bids - for as-needed electrical services at the Headquarters Landfill scheduled for November 17, 2025, at 1:30 p.m. (14427)

Regular Public Meeting

October 21, 2025, 9:00 a.m.

3. Call for Bids - For as-needed electrical and mechanical services at the Tennant Way Landfill scheduled for November 17, 2025, at 1:30 p.m. (14428)

Agreements/Contracts/Bid Awards

4. Contract Completion Letter to Lakeside Industries for the 2025 Countywide Pavement Overlay project. The total project is $2,908,870.72. (14402)

5. Bid Award to L Rock Industries, Inc. for the purchase of snow sand. The total amount is $62,290.24. (14404)

6. Supplemental Agreement No. 1 with Otak, Inc. for the Pleasant Hill Road Temporary Bridge Replacement Project to extend the expiration date to December 31, 2027, due to a lengthy environmental review process being conducted by FEMA. (14415)

7. Contract and a Bond in Lieu of Retainage with Advanced Excavating Specialists, LLC for an Emergency to Repair a Collapsed Storm Drain on Sweet Birch Drive. (14420)

8. Amendment No. 1 to the Personal Services Agreement with Appraisal and Consulting Group for Appraisal Services for Various Public Works Projects to Extend the Contract through December 31, 2026. (14423)

9. Amendment No. 1 to the Material Sales Agreement with JL Storedahl & Sons for the removal of dredged materials to update the name change to JLS Newco, LLC, to extend to December 31, 2026, and to increase the minimum quantity to be removed to 175,000 cubic yards. (14430)

10. Amendment One to the Interlocal Grant Agreement with the City of Longview for the Minit Valley Pro Golf Shop Roof and Siding Replacement to extend the end date of the agreement to June 30, 2026. (14414)

Resolution

11. Resolution Certifying the 2026 Budget for Silver Lake Flood Control District. (14417)

12. Resolution Certifying the 2026 Budget for Lexington Flood Control Zone District. (14419)

13. Resolution Certifying the 2026 Budget Consolidated Diking Improvement District No. 1. (14431)

Board Correspondence

14. Letters/Notices

a. Letter dated 10/12/2025 to Col. Kathryn P. Sanborn, Commander, Seattle District, U.S. Army Corps of Engineers regarding the Accelerating Sedimentation Issues in the Toutle, Cowlitz, and Columbia River systems. (14406)

b. Letter dated 10/21/2025 to Raymond Van Tongeren reappointing him to the Great Rivers Behavioral Health Advisory Board. This is a 3-year term that expires September 30, 2028. (14407)

Regular Public Meeting

October 21, 2025, 9:00 a.m.

c. Letter dated 10/21/2025 to Marin Fox reappointing her to the Great Rivers Behavioral Health Advisory Board. This is a 3-year term that expires September 30, 2028. (14408)

d. Letter dated 10/21/2025 to Gena James reappointing her to the Great Rivers Behavioral Health Advisory Board. This is a 3-year term that expires September 30, 2028. (14409)

e. Letter dated 10/21/2025 to Beth Follows reappointing her to the Great Rivers Behavioral Health Advisory Board. This is a 3-year term that expires September 30, 2028. (14410)

f. Letter dated 10/21/2025 to Carol Searing reappointing her to the Fair Board. This is a 4-year term that expires October 31, 2029. (14412)

g. Letter dated 10/21/2025 to Mary Grochow reappointing her to the Fair Board. This is a 4-year term that expires October 31, 2029. (14413)

h. Letter dated 10/9/25 from Patrick Harbison, Diking Engineer, Silver Lake Flood Control District of Cowlitz County regarding the Silver Lake Regulating Structure Inspection Report. (14432)

i. Federal Energy Regulatory Commission (FERC) Notice dated 9/26/25 regarding the 2025 Site-Specific Seismic Hazard Analysis Update, Yale Project. (14436)

15. Executed Contracts/Agreements/Letters

a. Recorded Possession and Use Agreement and Right of Entry between 141 Sweet Birch Drive to Relocate the Storm Drainpipe. (14422)

b. Recorded Perpetual Road and Utility Easement from R.H. Emmerson for the Ryderwood Supplemental Water Source to address drought resiliency for the residents of Ryderwood, WA. (14424)

c. Recorded Warranty Deed from R.H. Emmerson Ryderwood Supplemental Water Source to address drought resiliency for the residents of Ryderwood, WA. (14425)

d. Recorded Perpetual Road and Utility Easement from Dennis and Sally Hall for the Ryderwood Supplemental Water Source to address drought resiliency for the residents of Ryderwood, WA. (14426)

Vouchers

The following vouchers/warrants are approved for payment.

16. Voucher Ratification from the Drainage Improvement District No. 1 for August 2025 in the amount of $29,652.84. (14416)

Regular Public Meeting

October 21, 2025, 9:00 a.m.

Motion Items

Health & Human Services

17. Contract with Goodwill of the Olympics and Rainier Region to provide for the delivery of Development Disability Employment and Day Services until June 30, 2026. The total cost is $87,000.00. (14368)

Public Hearings

Prosecuting Attorney

18. 9:30 a.m. - Ordinance to Reflect Codification of Amendment by the state Office of Code Reviser to RCW 36.32.120(10), Re-numbering it as RCW 36.32.120(11), effective July of 2025, and Amending Cowlitz County Code Sections 12.55.070, 15.50.120, 15.50.130, 16.20.100, and 16.22.110, and updating Section 2.06.120 to Incorporate said Statutory Amendment. (14405)

Citizen Comments – Citizen participation may be anonymous. See RCW 42.30.040

Workshop 10:00 a.m.

 Department of Ecology  Local Homeless/Housing Plan

Regular Public Meeting

October 21, 2025, 9:00 a.m.

Updates

Chairman Updates

Upcoming Events:

 Tuesday, October 28 @ 10:00 a.m. – Board of Health

 Tuesday, November 4 @ 10:00 a.m. – Excellence in Service

Upcoming Cancelations:

 Tuesday, November 11th – Canceled (Holiday)

 Tuesday, November 18th – Canceled (No Quorum)

2026 Budget Calendar:

Tuesday, October 21st – Specialized Workshops – 1:30 p.m.

 Fee Setting  6-year Road Plan

 Café

Wednesday, October 22nd – Specialized Workshops – 2:30 p.m.

 Equipment Revolving Reserve  Public Works-Roads/Solid Waste

 Public Works-Water/Sewer, Stormwater  Public Works-Shooting Range

Monday, October 27th – 9:00 a.m.

 Drug Court

 Superior Court

Tuesday, October 28th – 1:30 p.m.

 Juvenile

 Summary Revenue & Expenses  General Fund Levy

 Road Fund Levy

Wednesday, October 29th - 1:30 p.m.

 5-Year Capital Improvement Plan

RCW 42.30.040 - Conditions of attendance not to be required. A member of the public shall not be required, as a condition to attendance at a meeting of a governing body, to register his or her name and other information, to complete a questionnaire, or otherwise to fulfill any condition precedent to his or her attendance. People may remain anonymous when logging on to Zoom by creating any name and email of their choosing. In a meeting, public comment will be received, either or both, orally (raise hand in Zoom or use *9 on phone) and by writing. Note: Written comments may be sent to the Board at any time. For oral presentations, the Board may set a time for comments and speakers.

All matters listed with the Consent Agenda were previously distributed to each Board Member for reading and study, were available for public viewing, are considered items of regular County business, and will be approved, without separate discussion, by one motion of the Board of County Commissioners. An item may be removed from the Consent Agenda and placed on the Regular Agenda for separate discussion and voting at the request of any Board Member.

The Board of Commissioners may add and take action on other items not listed on this Agenda.

 Agenda Online Address: https://www.co.cowlitz.wa.us/535/Agendas Regular-Public-Meetings

 ZOOM Invitation Address (for all meeting days): o https://us06web.zoom.us/j/82019613917

 KLTV Live Feed Address: http://www.kltv.org

BOCC Agenda

Meeting Date: 10/21/2025

Proclamation Declaring October 23-31, 2025 as Red Ribbon Week in Cowlitz County

Submitted For: Kelly Grayson, Clerk of the Board

Submitted By: Kelly Grayson, Clerk of the Board

Department: Commissioners Office

Subject and Summary Statement

Information

Resolution Proclaming October 23-31, 2025 as Red Ribbon Week in Cowlitz County.

Will Staff Attend - NAME OF STAFF

Department Recommendation

Proclamation

Form Started By: Kelly Grayson

Attachments

Form Review

Started On: 10/15/2025 12:08 PM Final Approval Date: 10/15/2025

PROCLAMATION

BEFORE THE BOARD OF COMMISSIONERS OF COWLITZ COUNTY, WA

In the Matter of declaring October 23-31 )

2025 As Red Ribbon Week in Cowlitz ) Resolution:______________ County )

WHEREAS, Alcohol and other drugs abuse in this nation has reached epidemic stages; and

WHEREAS, It is imperative that visible, unified prevention education efforts by community members be launched to eliminate the demand for drugs; and

WHEREAS, The National Family Partnership is sponsoring the National Red Ribbon Campaign offering citizens the opportunity to demonstrate their commitment to drug-free lifestyles (no use of illegal drugs, no illegal use of legal drugs); and

WHEREAS, The National Red Ribbon Campaign will be celebrated in every community in American during “Red Ribbon Week”, October 23-31; and

WHEREAS, Business, government, parents, law enforcement, media, medical, religious institutions, schools, senior citizens, service organizations and youth will demonstrate their commitment to healthy, drug-free lifestyles by wearing and displaying Red Ribbons during this week long campaign; and

WHEREAS, Cowlitz County further commits its resources to ensure the success of the Red Ribbon Campaign;

NOW THEREFORE, BE IT RESOLVED, that Cowlitz County does hereby proclaim October 23-31, 2025, as Red Ribbon Week and encourages its citizens to participate in drug prevention education activities, making a visible statement that we are strongly committed to a drug-free state.

Board of County Commissioners Of Cowlitz County, Washington

ATTEST:

Kelly Grayson, Clerk of the Board

Richard R. Dahl, Chairman

Steve Rader, Commissioner

Steven L. Ferrell, Commissioner

Meeting Date: 10/21/2025

CALL FOR BIDS - Camelot Large Onsite Septic System (LOSS) - Project No. 2947

Submitted For: Susan Eugenis, Public Works

Submitted By: Emilie Cochrane, Public Works Department: Public Works

Information

Subject and Summary Statement

Attached are the necessary documents to issue the Call for Bids for the Camelot Large Onsite Septic System (LOSS) Project. This project consists of the installation of a new 24,000 gallon concrete septic tank and associated drain field to replace the existing onsite system that serves the Camelot residents. The existing system has reached end of life and needs to be replaced to maintain permit compliance.

Will Staff Attend - NAME OF STAFF or No

yes

Department Recommendation

It is the recommendation of the Department of Public Works that the Board move to approve the Call for Bids, set the bid opening for November 17, 2025, at 1:30 p.m. and publish the Notice to Contractors in the usual manner.

Fiscal Impact

Expenditure Required $: 655,000

Budget Sufficient Y-N: Y

Amendment Required Y-N: N

Source of Funds - What Dept ? : Water/Sewer

Grant Y-N:

Call for Bids

Notice to Contractors

Inbox

Chris Andrews

Susan Eugenis

Mike Moss, Public Works

Form Started By: Emilie Cochrane

Attachments

Form Review

Reviewed By Date

Chris Andrews 10/14/2025 09:56 AM

Susan Eugenis 10/14/2025 10:18 AM

Mike Moss 10/14/2025 03:09 PM

Started On: 10/14/2025 08:20 AM

CALL FOR BIDS

The Board of County Commissioners of Cowlitz County, Washington will receive sealed bids until Monday, November 17, 2025, prior to 1:30 p.m., for the following work: 2025 CAMELOT LARGE ONSITE SEPTIC SYSTEM (LOSS) PROJECT.

Work performed under this contract consists of the following:

Installation of a new (replacement) Large Onsite Septic System (LOSS) including a new tank, drainfield and distribution system, and other work to serve the Camelot development in Cowlitz County.

At that time all bids will be publicly opened and read in the Board's hearing room. Bids must be addressed to:

Cowlitz County Department of Public Works

Attn: County Engineer

1600 13th Avenue South Kelso WA 98626

Project bid documents (Plans, specifications, addenda, bid documents, bidders list and plan holders list) for this project are available online for inspection during the bidding period through the Builders Exchange of Washington (BXWA) website at www.bxwa.com. Click on Posted Projects, then Public Works, then Cowlitz County and then Projects Bidding. These documents are available for viewing, downloading and printing on your own equipment free of charge. This service is provided to Prime Bidders, Subcontractors, and Vendors bidding on this project. Bidders will need to “Register as a Bidder” through the BXWA in order to receive automatic e-mail notification of future addenda and to be placed on the Bidders List. Bidders should contact Builder’s Exchange of Washington at (425) 258-1303 for questions regarding access or registration.

Contractor Qualifications:

The Contractor shall be a licensed septic system installer and shall:

1. Be currently approved by the local health jurisdiction in the county where the LOSS is to be constructed.

2. Have the following experience:

a. Four or more years’ experience installing OSS; and

b. A minimum of three years continuous licensing in Cowlitz County, and

c. A record of successful completion of at least one similar installation, including a pressure distribution drainfield, and

d. Installed at least 4 individual Sewage treatment and disposal systems in Cowlitz County in the previous two years, and

e. At least three years of installation experience within Cowlitz County

It is the sole responsibility of the Bidder to obtain Addenda, if any. Addenda information will be available on the BXWA web site at www.bxwa.com. Cowlitz County accepts no responsibility or liability and will provide no accommodation to bidders who fail to check for addenda and thereby submit inadequate or incomplete responses.

Cowlitz County will not provide paper copies of the Project bid documents for this project for bidding purposes. A copy of the plans and specifications may be reviewed at the office of the Clerk of the Board of County Commissioners.

All bid proposals shall be accompanied by a bid proposal deposit in cash, certified check, cashier’s check, or surety bond in an amount equal to five percent (5%) of the amount of such bid proposal. Should the successful bidder fail to enter into such contract and furnish satisfactory performance bond within the time stated in the specifications, the bid proposal deposit shall be forfeited to Cowlitz County.

All documents received in response to this invitation to bid will become a matter of public record and subject to the Washington public disclosure act under chapter 42.56 RCW.

Cowlitz County, in accordance with the provisions of Title VI of the Civil Rights Act of 1964 (78 Stat. 252, 42 U.S.C. 2000d to 2000d-4) and the Regulations, hereby notifies all bidders that it will affirmatively ensure that in any contract entered into pursuant to this advertisement, disadvantaged business enterprises will be afforded full and fair opportunity to submit bids in response to this invitation and will not be discriminated against on the grounds of race, color, or national origin in consideration for an award.

The Board reserves the right to reject any and all bids and to waive any immaterial irregularities or informalities in any bid or in the bidding.

DATED 21st day of October, 2025.

BOARD OF COUNTY COMMISSIONERS OF COWLITZ COUNTY, WASHINGTON

Richard R. Dahl, Chairman

Steve Rader, Commissioner

Steven L. Ferrell, Commissioner

ATTEST:

Kelly Grayson, Clerk of the Board

NOTICE TO CONTRACTORS CALL FOR BIDS

Work performed under this contract consists of the following:

Installation of a new (replacement) Large Onsite Septic System (LOSS) including a new tank, drainfield and distribution system, and other work to serve the Camelot development in Cowlitz County.

At that time all bids will be publicly opened and read in the Board's hearing room. Bids must be addressed to:

Cowlitz County Department of Public Works

Attn: County Engineer

1600 13th Avenue South Kelso WA 98626

Contractor Qualifications:

The Contractor shall be a licensed septic system installer and shall:

1. Be currently approved by the local health jurisdiction in the county where the LOSS is to be constructed.

2. Have the following experience:

a. Four or more years’ experience installing OSS; and

b. A minimum of three years continuous licensing in Cowlitz County, and

c. A record of successful completion of at least one similar installation, including a pressure distribution drainfield, and

d. Installed at least 4 individual Sewage treatment and disposal systems in Cowlitz County in the previous two years, and

e. At least three years of installation experience within Cowlitz County

All documents received in response to this invitation to bid will become a matter of public record and subject to the Washington public disclosure act under chapter 42.56 RCW.

The Board reserves the right to reject any and all bids and to waive any immaterial irregularities or informalities in any bid or in the bidding.

DATED 21st day of October, 2025.

PUBLISHED:

BOARD OF COUNTY COMMISSIONERS OF COWLITZ COUNTY, WASHINGTON

PUBLICATION REQUIREMENT: To be published in two issues prior to November 10, 2025.

BILLING INFORMATION:

1) AFFIDAVIT TO: Cowlitz County Commissioners

Attn: Clerk of the Board

207 4th Avenue N Kelso, WA 98626

2) BILL TO:

Cowlitz County Department of Public Works

1600 – 13th Avenue South Kelso, WA 98626

P.O. 001033

Meeting Date: 10/21/2025

Call for Bids: Headquarters Landfill On-Call Electrical Services ITB# 2025-0065-01

Submitted For: Shawn Roewe

Submitted By: Ashley Claussen Department: Public Works

Information

Subject and Summary Statement

Attached are the necessary documents to issue the Call for Bids for as-needed electrical services at the Headquarters Landfill.

Bids will be due to Purchasing Services by 1:30 PM on November 17, 2025.

Will Staff Attend - NAME OF STAFF No.

Department Recommendation

It is the recommendation of the Department of Public Works that the Board move to approve the Call for Bids and publish the Notice to Contractors in the usual manner.

Attachments

Notice to Contractors

Call for Bids

Invitation to Bid

Form Started By: Ashley Claussen

Form Review

Started On: 10/14/2025 05:06 PM

NOTICE TO CONTRACTORS

Cowlitz County Purchasing Services will receive separate sealed bids, each clearly marked and submitted individually, for the following public works projects. Bids are due by November 17, 2025, at 1:30 PM (Pacific Time).

Headquarters Landfill On-Call Electrical Services

Estimated Contract Amount: $150,000.00

Submit To: Cowlitz County Public Works

Attn: Ashley Claussen, Purchasing Services

Headquarters Landfill On-Call Electrical: ITB #2025-0065-01

1600 13th Avenue S Kelso, WA 98626

Tennant Way Landfill On-Call Services

Estimated Contract Amount: $75,000.00

Submit To: Cowlitz County Public Works

Attn: Ashley Claussen, Purchasing Services

Tennant Way Landfill On-Call: ITB #2025-0066-01

1600 13th Avenue S Kelso, WA 98626

Each project requires a standalone bid package, addressed accordingly, and will be awarded independently. Combined bids will not be accepted and will be deemed non-responsive. Bids must be mailed or delivered in person to the address above. Late, faxed, or emailed bids will not be accepted. The County’s decision on bid receipt time is final.

The bid opening will take place in the Cowlitz County Public Works Training Room. Members of the public may attend in person, or virtually via Zoom at https://us06web.zoom.us/j/84447159296. Following the opening, a recorded video and bid results will be posted on the County’s website.

Bid documents and addenda are available online at https://www.co.cowlitz.wa.us/bids.aspx. Bidders are responsible for checking for addenda. No paper copies will be provided, but plans may be reviewed at the Clerk of the Board’s office.

All bid proposals shall be accompanied by a bid proposal deposit in cash, certified check, cashier’s check, or surety bond in an amount equal to five percent (5%) of such bid proposal. Should the successful bidder fail to enter into such contract and furnish satisfactory performance bond within the time stated in the specifications, the bid proposal deposit shall be forfeited to Cowlitz County.

All documents received in response to this invitation to bid will become a matter of public record and subject to the Washington public disclosure act under chapter 42.56 RCW.

TheBoardreservestheright torejectany andall bidsandtowaiveany immaterialirregularities or informalities in any bid or in the bidding.

DATED this 21st day of October 2025.

BOARD OF COUNTY COMMISSIONERS OF COWLITZ COUNTY, WASHINGTON

PUBLISHED:

PUBLICATION REQUIREMENT: To be published in one issue.

BILLING INFORMATION:

1) AFFIDAVIT TO: Cowlitz County Commissioners Attn: Clerk of the Board

2) BILL TO: Cowlitz County Public Works Solid Waste Division 1600 13th Ave S Kelso, WA 98626

CALL FOR BIDS

Cowlitz County Purchasing Services will receive sealed bids until November 17, 2025, at 1:30 PM (Pacific Time) for the following work: HEADQUARTERS LANDFILL ON-CALL ELECTRICAL SERVICES

At that time all bids will be publicly opened and read in the Public Works Training Room. Bids must be addressed to:

Cowlitz County Public Works

Attn: Ashley Claussen, Purchasing Services Headquarters Landfill On-Call Electrical: ITB #2025-0065-01 1600 13th Avenue S Kelso, WA 98626

Bids must be mailed or delivered in person to the address above. Late, faxed, or emailed bids will not be accepted. The County’s decision on bid receipt time is final.

The bid opening will be accessible via Zoom by visiting https://us06web.zoom.us/j/84447159296. Following the opening, a recorded video and bid results will be posted on the County’s website

All documents received in response to this invitation to bid will become a matter of public record and subject to the Washington public disclosure act under chapter 42.56 RCW.

The Board reserves the right to reject any and all bids and to waive any immaterial irregularities or informalities in any bid or in the bidding.

DATED this 21st day of October 2025.

BOARD OF COUNTY COMMISSIONERS OF COWLITZ COUNTY, WASHINGTON

Richard R. Dahl, Chairman

Attest: Kelly Grayson, Clerk of the Board

Steve Rader, Commissioner

Steven L. Ferrell, Commissioner

INVITATION FOR BIDS

Cowlitz County invites interested and qualified contractors to submit sealed bids for the following project:

TITLE: Headquarters Landfill On-Call Electrical Services

ESTIMATED CONTRACT AMOUNT: $150,000.00

BID SUBMITTAL TIME/DATE/LOCATION: Prior to 1:30 PM local time on November 17, 2025 to:

Cowlitz County Public Works

Attn: Ashley Claussen, Purchasing Services

Headquarters Landfill On-Call Electrical: ITB #2025-0065-01 1600 13th Avenue S Kelso, WA 98626

Bids can be mailed or delivered in person to the address listed above. Cowlitz County will assume no responsibility for any delay in U.S., County, or any other delivery service resulting in a bid being received late. Faxed and/or E-mailed bids will not be accepted.

PUBLIC BID OPENING:

PRE-BID CONFERENCE:

ITEM FOR BID:

Bids will be opened and read aloud at the time and place specified above The bid opening will take place in the Cowlitz County Public Works Training Room. Members of the public may attend in person, or virtually via Zoom at https://us06web.zoom.us/j/84447159296. Following the opening, a recorded video and bid results will be posted on the County’s website at https://www.co.cowlitz.wa.us/Bids.aspx?BidID=458.

No pre-bid conference will be held. Questions regarding the project will be received until October 31, 2025 at 4:00 PM.

Cowlitz County is seeking bids for as-needed electrical services at the Cowlitz County Headquarters Landfill located at 3434 S Silver Lake Road in Castle Rock, Washington. The contractor shall provide labor, materials, subcontracting, fees, permitting, and supervision to perform troubleshooting, diagnostics, maintenance, repairs, and other agreed upon work. One agreement will be awarded as a result of this solicitation. The initial term of the resulting agreement will be for one year, with the option to extend for one additional year at the discretion of the County.

BID SUBMITTAL ENVELOPE:

Upon submittal, bids will be recorded by Cowlitz County as to time and date received and secured until the time set for public bid opening. All bid submittals shall be sealed in an opaque envelope which has been clearly marked with “Headquarters Landfill On-Call Electrical: ITB #2025-0065-01.” NO BIDS WILL BE ACCEPTED AFTER THE BID SUBMITTAL TIME.

CONTRACTOR REGISTRATION:

Pursuant to RCW 39.06, the bidder shall be registered and licensed as required by the laws of the State of Washington, including but not limited to RCW 18.27. In order to perform public work, the successful bidder and subcontractors, prior to contract award, shall hold or obtain such licenses and registrations as required by State Statutes and Coded, and Federal and local laws and regulations.

BID SECURITY:

Certified check,bankcashier’s check, orbid bond congruentwith theBid Bond Security Formas identified in the “Instructions to Bidders” section is required to be submitted with each bid in response to this solicitation.

SUMMARY OF WORK

1. The project location is the Headquarters Landfill located at 3434 S Silver Lake Road in Castle Rock, Washington.

2. Contractor shall perform troubleshooting, diagnostics, maintenance, repair, installation, inspection, testing, and calibration on a variety of electrical and industrial equipment, including but not limited to:

a. Low and medium voltage systems (up to 12.4kV)

b. Uninterruptible Power Supplies (UPS)

c. Motor Control Centers (MCC)

d. Automatic Transfer Switches (ATC)

e. Actuators

f. Transformers

g. Switchgear

h. Panels

i. Protection Relays

j. Battery Banks

k. DC Chargers

l. Inverters

m. Power Converters

n. Breakers

o. Motors

p. Pumps

q. Generators

3. The Contractor shall perform services including, but not limited to:

a. Troubleshooting, diagnostics, maintenance, and repair of equipment listed above.

b. Coordination and subcontracting with manufacturers to provide factory-trained and certified technicians when required to maintain warranty or UL listing.

c. Coordination and subcontracting with highly specialized firms when expertise is beyond the Contractor’s workforce.

d. Installation, inspection, testing, and calibration of components involved in industrial systems including thermostats, direct digital control systems, VFDs, electrical control circuits, etc.

e. Rebuild and/or replacement of pumps and motors.

f. Inspection, rebuilding, or replacement of electrical devices including panels, starters, contactors, signal cables, and receptacles. Includes electrical wiring, switches, and lighting.

g. Inspection, repair,programming, or replacementofbuilding systems such asfire alarm panels,building controls, sensors, alarms, interlocked controls, leak detection systems, generators, door controls, lighting systems, and fire suppression equipment.

h. Support services including material purchasing and equipment rental.

i. Other services as required by the County and mutually agreed upon.

4. Contractor is responsible for all necessary permits including filing, payments, and scheduling.

5. All work shall be performed in accordance with local, state, and federal codes, including the National Electrical Code (NEC), and shall comply with all applicable occupational safety regulations. Contractor is responsible for ensuring that all personnel follow OSHA regulations and relevant industry safety standards, including but not limited to:

a. Lockout/Tagout (LOTO) procedures

b. Arc Flash Protection (NFPA 70E)

c. Confined Space Entry (when applicable)

d. Fall Protection

6. Contractor shall provide all required personal protective equipment (PPE) and ensure that staff are trained and certified in applicable safety procedures. The County reserves the right to request proof of training and compliance at any time.

7. All work shall be performed by appropriately licensed electricians or qualified technicians experienced in industrial electrical systems. Contractor shall provide documentation of licensing, certifications, or manufacturer training upon request.

8. Contractor must be capable of providing qualified technical personnel from its own workforce to respond to all service requests.

9. The successful contractor will receive task order requests for individual projects from a specified Cowlitz County representative. Upon receipt of task order requests, the contractor shall provide a written estimate for County approval prior to commencement of services. Quotes shall be firm fixed not to exceed cost and shall be inclusive of all labor, materials, equipment, supervision, taxes, etc. Overtime rates shall not be billed unless specifically approved in writing by the Cowlitz County representative prior to the commencement of work.

10. Routine (non-emergency) projects shall be scheduled during normal business hours from 8:00 a.m. to 5:00 p.m., Monday through Fridayexceptfor theCounty’s officialholidays.Outside hours workwill include all other times Monday through Friday, and all day on Saturday, Sunday, and official holidays.

11. TheContractorshallbeexpectedtoprovideemergencyresponses/serviceswhenrequestedbytheCounty.TheContractor shall respond to the County within one (1) hour of the request and shall be on specified location for such emergency requests for repairs within two (2) hours from the time of the initial on-call service request.

12. All work is to be billed on a unit-priced basis as provided by the contractor on the attached bid form. Invoices may be submitted upon completion of each task order, or monthlyfor larger projects. Each taskorder shall be invoiced separately with both the contract number and task order number included. Unless otherwise specified or mutually agreed to in writing, all prices shall be fixed throughout the duration of the contract. The contractor shall give Cowlitz County at least thirty (30) days’ written notice of change in rates and the effective date of the proposed change. In the event the County and the contractor cannot agree on an adjustment request, Cowlitz County may terminate the agreement.

13. Mobilization shall be included in the base unit price for each work order and shall consist of preparatory work and operations performed by Contractor, including his personnel, equipment, supplies, and incidentals to the project site. No separate measurement or payment will be made for costs associated with mobilization and demobilization.

14. The services outlined in this scope are not exclusive. Cowlitz County reserves the right to solicit competitive bids and contract for repairs and services with other providers.

15. Poor or unsatisfactory performance may result in reduced task order execution or contract termination. Cowlitz County reserves the right to conduct periodic performance reviews, assessing:

a. Timeliness and responsiveness

b. Quality of workmanship

c. Compliance with safety and code requirements

d. Accuracy of documentation and invoicing

e. Communication and professionalism END OF SECTION

INFORMATION FOR BIDDERS

1.01 PREPARATION OF BIDS

A. Bids must be: (1) submitted on the bid proposal forms, or copies of forms, furnished by the County and (2) signed in ink. The person signing a bid must initial each change appearing on any bid form. If the bid is made by a corporation, it shall be signed by the corporation’s designee. The address of the bidder shall be typed or printed on the bid form in the space provided.

B. If the solicitation includes alternate bid items, failure to bid on the alternates may disqualify the bid. If bidding on all items is not required, bidders should insert the words “no bid” in the space provided for any item on which no price is submitted.

C. Substitute bid proposals will not be considered unless this solicitation authorizes their submission.

D. It will be the responsibility of the bidder to conform to the requirements; failure to comply with exact specifications could result in rejection of bid documents.

1.02 BID GUARANTEE

A. A bid guarantee in the amount of 5% of the entire bid amount is required. Failure of the bidder to provide bid guarantee when required shall render the bid non-responsive.

B. Acceptable forms of bid guarantee are a bid bond or postal money order, or certified check or cashier’s check made payable to Cowlitz County

The County will return bid guarantees (other than bid bond) to unsuccessful bidders as soon as practicable, but not sooner than the execution of a contract with the successful bidder. The successful bidder’s bid guarantee will be returned to the successful bidder with its official notice to proceed with the work of the contract.

1.03 ADDITIVE OR DEDUCTIVE BID ITEMS

The low bidder, for purposes of award, shall be the responsive bidder offering the low aggregate amount for the base bid item, plus additive or deductive bid alternates selected by the County, and within funds available for the project.

The bidder agrees to hold all bid alternate prices for sixty (60) days from date of bid opening.

1.04 ACKNOWLEDGEMENT OF ADDENDA

All official clarifications or interpretations of this Invitation to Bid will be by written addenda and issued by the Purchasing Department. Bidders shall acknowledge receipt of all addenda to this solicitation by identifying the addenda numbers in the space provided for this purpose on the bid proposal form. Failure to do so may result in the bid being declared non-responsive.

1.05 SITE INVESTIGATION AND CONDITIONS AFFECTING THE WORK

The bidder acknowledges that it has taken steps necessary to ascertain the nature and location of the work, and that it has investigated and satisfied itself as to the general and local conditions which can affect the work or its cost, including but not limited to (1) conditions bearing upon transportation, disposal, handling, and storage of materials; (2) the availability of labor, water, electric power, and road; (3) uncertainties of weather, river stages, tides, or similar physical conditions at the site; (4) the conformation and conditions of the ground; and (5) the character of equipment and facilities needed preliminary to and during the work. The bidder also acknowledges that is has satisfied itself as to character, quality, and quantity of surface and subsurface materials or obstacles to be encountered insofar as this information is reasonably ascertainable from an inspection of the site, including exploratory work done by the County, as well as from the drawing and specifications made a part of this contract. Any failure of the bidder to take the actions described and acknowledged in this paragraph will not relieve the bidder from responsibility for estimating properly the difficulty and cost of successfully performing the work.

1.06 BID AMOUNTS

A. The bid prices shown for each item on the bid proposal shall include all labor, material, equipment, overhead and compensation to complete all of the work for that item. All prices including bid prices are in US funds.

B. The actual cost of building permit (only) and the public utility hookup fees will be a direct reimbursement to the Contractor or paid directly by the permitting agency by the County. Fees for these permits should not be included by the bidder in the bid amount.

C. The bidder agrees to hold the base prices for sixty (60) days from the date of bid opening.

1.07 TAXES

The County is required to pay Washington State Sales Tax on all purchases and contracts. Sales tax should be added as a separate item only, not to be included in the base bid price. All bidders whether inside or outside the state of Washington shall show the tax rate applicable to this bid. All taxes payable by the County as a result of this contract are considered part of the bid evaluation. Washington State tax is payable by the County direct to the state of Washington on awards made to out-of- state contractors who do not have a Washington State Sales Tax number. If you have any questions concerning the appropriate rate, contact the Washington State Department of Revenue.

If a cash discount is offered and taken it is understood that sales tax will be applied to the discounted amount.

It shall be the contractor's responsibility to furnish Federal Excise Tax Exemption Certificate, when applicable.

1.08 SUBMISSION OF BIDS

A. Bid proposals must be submitted on or before the time specified in the Invitation to Bid.

B. If the base bid and the sum of additive alternates is one million dollars or more, the bid proposal shall comply with the following requirements:

1. Pursuant to RCW 39.30.060, if the base bid and the sum of bid additive alternates is one million dollars or more, the bidder shall provide names of the subcontractors with whom the bidder will subcontract for performance of heating, ventilation and air condition (HVAC), plumbing, and electrical.

2. The bidder can name itself for the performance of the work.

3. The bidder shall not list more than one subcontractor for each category of work identified UNLESS subcontractors vary with bid alternates, in which case the bidder must indicate with subcontractors will be used for which alternate.

4. Failure of the bidder to submit as part of the bid the names of such subcontractors or to name itself to perform such work shall render the bid non-responses and, therefore, void.

C. The bid proposal shall be submitted in a sealed envelope addressed to the office specified in the Invitation to Bid. The envelope shall have printed outside:

1. The project number.

2. The name and address of the bidder.

3. Identification as bid proposal.

D. Prior to the bid opening, the County’s representative will designate the official bid clock. Any part of the bid proposal or bid modification not received prior to the times specified, per the designated bid clock, will not be considered and the bid will be returned to the bidder unopened.

E. A bid may only be withdrawn in person by a bidder’s authorized representative prior to the opening of the bids. Bidder(s) representative will be required to show ID and sign on bid summary sheet before it will be released.

F. A change to the bid already received will be considered only if the changes are received prior to the opening of the bids. All changes shall be made in writing, executed, and submitted in the same form and manner as the original bid

G. People with disabilities who wish to request special accommodation, (e.g., sign language interpreters, Braille, etc.) need to

contact the County ten (10) working days prior to the scheduled bid opening.

1.09 BID OPENING

A. At the time and place included in this Invitation to Bid, each bid that has been received, except those thathave been properly withdrawn, will be opened and evaluation shall begin.

B. The County reserves the right to postpone the date and time last announced for receiving bids and such postponement may be made at any time prior to the opening of the bids. The County will give written notice by issuance of an addendum confirming the changing of the announced date and time for receiving bids.

C. In the event a bidder discovers an error in its bid following the bid opening, the bidder may request to withdraw its bid under the following conditions:

1. Written notification is received by the County within 24 hours following bid opening.

2. The bidder provides written documentation of the claimed error to the satisfaction of the County within 72 hours following the bid opening.

D. TheCountywillapproveordisapprovetherequestforwithdrawalofthebidinwriting.Ifthebidder’srequestforwithdrawal of its bid is approved, the bidder will be released from further obligation to the County without penalty. If it is disapproved, the County may retain the bidder’s bid guarantee.

1.10 BID RESULTS

After bid openings, bid results can be obtained from the Procurement Services office by calling (360) 577-3030 ext. 6856 or by visiting the County website at: https://www.co.cowlitz.wa.us/Bids.aspx?BidID=458

1.11 LOW RESPONSIBLE BIDDER

Beforeawardofapublicworkscontract,abiddermustmeetthefollowingmandatoryresponsibilitycriteriaunderRCW39.04.350 (1) to be considered a responsible bidder and qualified to be awarded a public works project. The bidder must:

A. At the time of bid submittal, have a certificate of registration in compliance with chapter 18.27 RCW;

B. Have a current state unified business identifier number;

C. If applicable, have industrial insurance coverage for the bidder's employees working in Washington as required in Title 51 RCW; an employment security department number as required in Title 50 RCW; and a state excise tax registration number as required in Title 82 RCW;

D. Not be disqualified from bidding on any public works contract under RCW 39.06.010 or 39.12.065(3);

E. If bidding on a public works project subject to the apprenticeship utilization requirements in RCW 39.04.320, not have been found out of compliance by the Washington state apprenticeship and training council for working apprentices out of ratio, without appropriate supervision, or outside their approved work processes as outlined in their standards of apprenticeship under chapter 49.04 RCW for the one-year period immediately preceding the date of the bid solicitation;

F. Have received training on the requirements related to public works and prevailing wageunder this chapter and chapter 39.12 RCW. The bidder must designate a person or persons to be trained on these requirements. The training must be provided by the department of labor and industries or by a training provider whose curriculum is approved by the department. The department, in consultation with the prevailing wage advisory committee, must determine the length of the training. Bidders that have completed three or more public works projects and have had a valid business license in Washington for three or more years are exempt from this subsection. The department of labor and industries must keep records of entities that have satisfied the training requirement or are exempt and make the records available on its web site. Responsible parties may rely on the records made available by the department regarding satisfaction of the training requirement or exemption; and

G. Within the three-year period immediately preceding the date of the bid solicitation, not have been determined by a final and binding citation and notice of assessment issued by the department of labor and industries or through a civil judgment

entered by a court of limited or general jurisdiction to have willfully violated, as defined in RCW 49.48.082, any provision of chapter 49.46, 49.48, or 49.52 RCW.

1.12 BID EVALUATION

A. The County will evaluate bids responsiveness and responsibility.

1. A bid will be considered responsive it if meets the following requirements:

a) It is received at the proper time and place.

b) It meets the stated requirements of the bid proposal.

c) It is submitted by a licensed/registered contractor within the state of Washington at the time of bid opening and is not banned from bidding by the Department of Labor and Industries.

d) It is accompanied by a bid guarantee.

2. A bid will be considered responsible if it meets the following requirements:

a) It meets the mandatory responsibility criteria established in RCW 39.05.350 and an overall accounting of the supplemental responsibility criteria established for the project.

B. The Board or their designee reserves the right to reject any or all bids for good cause shown, to waive minor deviations from the specifications, and to waive any informality in bids received when such acceptance, rejection, or waiver is in the best interest of the County. Without limiting the generality of the foregoing, the County may reject any Bid which is incomplete, non-responsive, obscure or irregular, any Bid which omits a bid on any items for which bids are required, any Bid which omits unit prices, if unit prices are required, any Bid in which unit prices are unbalanced in the opinion of the County, and any Bid from a Bidder which has previously failed to perform satisfactorily or which has failed to meet contract deadlines to complete construction or delivery of any nature. All bids or proposals are likely to be rejected if the lowest responsive bid received exceeds the project’s estimate by an unreasonable amount or the budget by any amount. If all bids are rejected for either of these reasons, the project may be deferred and re-bid when more competitive conditions exist.

C. The County may negotiate bid price adjustments with the low responsive bidder, including changes to the contract documents, to bring the bid within the available funding per RCW 39.04.015

D. The apparent low bidder, for purpose of award, shall be the responsive and responsible bidder offering the low aggregate amount for the base bid plus selected additive or deductive bid alternates and meeting all other bid submittal requirements.

1.13 BID PROTESTS

When the County receives a written protest from a bidder for a public works project which is the subject of competitive bids, the County will not execute a contract for the project with anyone other than the protesting bidder without first providing at least two full business days' written notice of the County's intent to execute a contract for the project; provided that the protesting bidder submitsnoticeinwritingofitsprotestnolaterthantwofullbusinessdaysfollowingbidopening.IntermediateSaturdays,Sundays, and legal holidays are not counted.

A protest submittal will be delivered to the Cowlitz County Purchasing Services Department, 1600 13th Ave S, Kelso WA 98626, with the words "Bid Protest" prominently and clearly displayed on any outer cover containing the protest notice as well as on the notice itself. The following minimum information should be included in the written protest notice: 1) The name, address and phone number (including area code) of the bidder; and 2) the bidder contact person's name and telephone number (including area code); and 3) a statement(s) describing the nature of the protest; and 4) the County bid number and title.

1.14 BID AWARD

A. The bidder will allow 60 days from bid opening date for acceptance of its bid and award of agreement made by the County.

B. Agreement will be awarded to the lowest responsible and responsive bidder.

C. The acceptance of a bid willbe evidenced by a Notice ofAward inwriting signed by a duly authorized official of the County and delivered to the bidder whose bid is accepted, in the manner provided for written notices. No other action or notice shall constitute acceptance of a bid. The Notice of Award shall not entitle the Bidder to any contractual or other remedies against the County.

D. Bid award does not itself constitute a contract. The bidder will have ten (10) days from the date of the notice of award, exclusive of the day of notice, to provide:

1. A signed agreement form.

2. Contractor’s Payment and Performance Bond.

3. Certificate of Insurance.

E. If the apparent successful bidder fails to sign all contractual documents or provide the bond and insurance as required or return documents within 10 days after receipt of the contract, the County may terminate the award of the contract.

F. No bid shall be binding upon the County until an agreement has been properly executed by the Contractor and County.

1.15 INSURANCE

A. The successful bidder shall be required to pay for, provide, and maintain insurance coverage that satisfies the requirements of the Cowlitz County Risk Management Department and that meets all terms and conditions of the contract bid and/or award. The insurance shall be provided at the Contractor’s sole expense and maintained for the duration of the contract. Any exclusion that may restrict required coverage must be pre-approved by the County Risk Management Department.

B. A certificate of insurance shall be provided in the specified amounts and with the following additional insured endorsement: "Cowlitz County, its officers, agents and employees are named as an additional insured as respects to project number SWR#2024-0030-xx ” The certificate holder will be Cowlitz County, C/O Cowlitz County Purchasing Services, 1600 13th Ave S, Kelso, WA 98626.

C. REQUIRED COVERAGE:The insurance shall provide the minimum coverage as set forth below:

1. GENERALLIABILITY INSURANCE:The Contractor shallhave Commercial General Liability coveragewith limits of $1,000,000.00peroccurrence,$2,000,000aggregate.Thiscoverageshallincludeproducts,completeoperations,personal injury, fire damage, and medicalexpenses.

2. PROOFOFAUTOMOBILE INSURANCE:The Contractor shall carry, for the duration of this Agreement, comprehensive automobile liabilitycoverageof $1,000,000.00 for anyvehicle used in conjunction with the provision of services under the termsof this Contract.Saidpolicy shall provide that it shall not be canceled, materially changed, or renewedwithoutfortyfive(45)dayswrittennotice priortheretotoCowlitzCounty.

3. WORKERS COMPENSATION: When the Contractor has employees of the company, the Contractor shall carry Worker’s Compensation Industrial Injury Insurance coverage and effective in Washington State. Proof of insurance shall be reflected on the Contractor’s Certificate of Insurance or by providing the Contractor’s State Industrial Account Identification Number.

D. All insurance policies must be issued by insurers licensed to do business in the State of Washington, name Cowlitz County as an additional insured on General and Automobile Liability policies and be primary and non-contributory to any insurance maintained by the County. Policies must also include a severability of interests clause, applying coverage separately to each insured, and provide at least 30 days’ written notice to the County prior to cancellation or material change, unless otherwise specified.

E. Upon satisfactory fulfillment of these requirements and contract signature by the Cowlitz County Board of County Commissioners the contract will be considered to be executed and a written Notice to Proceed will be issued.

1.16 CONTRACTOR’S PAYMENT AND PERFORMANCE BOND

A. The Contractor willbe required to pay for and file a Paymentand Performance Bond tothe State of Washington and Cowlitz

County (dual obligees) which will always be, at a minimum, equal to one hundred percent (100%) of the contract price, including sales tax and all additions, deletions, or extensions in time. Any additions, deletions or extensions in time shall not relieve a surety of its liability in any manner whatsoever.

B. The bond shall be executed by a Surety Company acceptable to the County and shall remain in effect for one (1) year following the formal acceptance of the work.

C. In lieu of a Payment and Performance bond, the County may, on contracts of one hundred fifty thousand dollars ($150,000) or less, hold retainage in an amount equal to ten percent (10%) of the contract including tax.

1.17 WAGE RATES AND EMPLOYMENT

A. The work outlined in this Invitation to Bid is considered Public Work and requires payment of prevailing wages in accordance with RCW 39.12 and WAC 296-127-023. No less than the applicable prevailing rate of wage must be paid to any worker, laborer, or mechanic employed in the performance of any part of the stated work.

B. The bidder is solely responsible for determining the applicable labor classification(s) and utilizing the appropriate and correct prevailing wage and benefit rate(s) in submitting its bid based on these specifications. Current wage rates for work to be performed in Cowlitz County can be found at https://secure.lni.wa.gov/wagelookup/rates/journey-level-rates using the effective date of November 17, 2025

C. The successful bidder shall complete and file State of Washington, Department of Labor and Industries Statement of Intent to Pay Prevailing Wages on Public Contract form and shall familiarize itself with all of the provisions of Chapter 39.12 RCW.

1.18 RETAINAGE AND PAYMENTS

A. Payments of an invoice for work performed will be for ninety-five percent (95%) of the principal amount, plus one hundred percent (100%) of the tax amount. The balance of the invoice payment will be held by the County as retainage.

B. For contracts of less than one hundred fifty thousand dollars ($150,000) in value, when requested by the Contractor and approved by the County, a retainage amount of ten percent (10%) of work performed (including tax) will be held in lieu of providing a Contractor's Payment and Performance bond. Payments of an invoice for work performed will be for ninety percent (90%) of the total of the principal amount, plus tax. The balance of the payment request will be held by the County as retainage.

C. Retainage will not be paid sooner than forty-five (45) days after project acceptance. Before the release of retainage, the Cowlitz County Purchasing Services Department must be in possession of the five (5) items listed below, in proper form.

1. Notice of Completion from the Board of County Commissioners or designee.

2. Certificate of Payment of Contributions, Penalties, and Interest on Public Works Contract (required on projects over $35,000.00) received from the State Department of Revenue. (Requested by the County when the Notice of Completion is received).

3. Certification of Payment of Contributions from the Washington State Employment Security Department (Requested by the County when the Notice of Completion is received).

4. Affidavits of Prevailing Wages Paid approved by the Department of Labor & Industries on the Contractor and each Subcontractor.

5. Reports on Claims (liens) filed against the project or Contractor from the County Auditor, Clerk of the Board of County Commissions and Department, 45 days from date of Resolution of Acceptance.

1.19 COMPLIANCE WITH LAWS AND REGULATIONS

A. The bidder, upon execution of an agreement, warrants full compliance with all applicable local, state or federal laws, ordinances and regulations of any public authority for the safety of persons and property, including requirements of the Washington Industrial Safety and Health Administration (W.I.S.H.A.), per the Revised Code of Washington (RCW),

Chapter 49.17, and the Washington Administrative Code (WAC) 296-24.

B. If the Contractor performs works out of compliance or contrary to laws, building codes, statutes, regulations, and rules, withoutwrittennoticetotheCounty,thentheContractorassumesfullresponsibilityfortheworkandwillbeheldresponsible for bearing the costs associated with returning those portions of the project into compliance with the appropriate governance and agencies.

C. Should the Contractor find inconsistencies in the Contract Documentation with respect to governmental laws, rules, regulations and codes, then the Contractor shall notify the County in writing.

D. The Contractor agrees to indemnify and defend the County against any loss, cost, liability or damage (including reasonable attorney fees) due to the Contractor's violation of this section.

1.20 ARBITRATION

There will be no arbitration arising out of or relating to any contract resulting from this Invitation to Bid.

1.21 COMPLIANCE WITH TERMS

The County may at any time insist upon strict compliance with these terms and conditions, notwithstanding any previous custom, practice, or course of dealing to the contrary.

1.22 NON-DISCRIMINATION

Upon execution of agreement, the Contractor and its subcontractors, if used, shall not discriminate on the basis of race, color, sex, sexual orientation, religion, national origin, creed, marital status, age or the presence of any sensory, mental or physical handicaps in employment or application for employment or in the administration or delivery of services or any other benefits under the contract except to the extent permitted by bona fide occupation qualifications.

1.23 INTERPRETATION OF DOCUMENTS

The successful Contractor shall provide any work or materials clearly implied in the contract resulting from this Invitation to Bid, even if the contract documents do not mention it specifically. If the contract documents use words that are not defined therein but have a commonly accepted technical or trade meaning, the words shall be understood in accordance with that meaning. If any part of the contract requires work to be performed without describing how it is to be performed, the work shall be performed in accordance with standard trade practices. A "standard trade practice" is one having such regularity of observance in the trade as tojustifyanexpectationthatitwillbeobservedbytheContractorindoingthework.Onanyplansordrawings,figured dimensions shall take precedence over scaled dimensions. In case of any ambiguity or dispute over interpreting the contract, the Department's decision will be final.

BIDDER CHECKLIST

The omission or deletion of any bid item may be considered non-responsive and may be cause for the rejection of the bid.

1. Has a bid bond or certified check been enclosed with bid? Is the amount of the guarantee at least 5 percent of the total amount of the bid?

2. Has the bid been properly completed and signed in all required areas?

3. Have all addenda, if any, been acknowledged in the Bid Form?

4. Has the bidder reviewed the Bidder Qualifications and Bidder Responsibility Criteria and understand these obligations if selected as the apparent low bidder?

5. The following items must be completed and included within the sealed envelope:

A. Bidder Qualification Form

B. Bid Form

C. Bidder Representations and Certifications

D. Bid Surety Bond Form

6. The following items are to be executed after the contract is awarded to the lowest responsible bidder:

A. Agreement Form

B. Performance and Payment Bond

C. Certificates of Insurance END OF SECTION

BIDDER QUALIFICATIONS

Each bidder submitting a proposal for this project shall submit, as part of its bid, the following information:

1. Registered Name of Firm Submitting Bid:

2. Business Address:

3. Telephone Number (with Area Code):

4. E-mail address:

5. IRS Federal Employer’s Identification Number:

6. Current State Unified Business Identification (UBI) Number:

7. Washington State Contractor Registration Number:

8. Receipt of the following Addenda is hereby acknowledged:

1. Addendum No. _____ dated __________________

2. Addendum No. _____ dated __________________

3. Addendum No. _____ dated __________________

4. Addendum No. _____ dated __________________

5. Addendum No. _____ dated __________________

9. In compliance with the invitation to bid, bidder hereby proposes to perform all work for this project in strict accordance with the contract documents, within the time set forth therein, and at the prices bid. YES NO

10. The bidder certifies below that their bid complies in all respects with the attached specification documents, including the minimum specifications. YES NO

*If NO, attach additional pages detailing all proposed deviations.

11. In accordance with Chapter 42.23 RCW bidders must disclose any and all personal relatives, or any relatives of the bidder’s employees or subcontractors, who are presently employed by Cowlitz County, or who stand to realize any financial gain, or beneficial interest, if this contract is awarded to the bidder or any subcontractor of the bidder for the work of this invitation to bid.

The bidder certifies below that there are no persons meeting the criteria above that have any beneficial interest in the work of this invitation to bid. YES NO

*If NO, attach additional pages detailing the name of any person, organization, relationship and interest

Signature of Authorized Person:

Title: Date: END OF SECTION

BID FORM

NAME OF PROJECT: Headquarters Landfill On-Call Electrical Services PROJECT NUMBER: 2025-0065-01

Having carefully examined all bid documents provided by Cowlitz County, as well as the premises and conditions affecting the work, the Undersigned proposes to furnish all labor, equipment,and materials and perform all work inaccordance withthe terms & conditions attached Quantity of hours is estimated for determining low bidder – actual hours will vary.

BIDDER RESPONSIBILITY CRITERIA

Low Responsible Bidder

It is the intent of the County to award a contract to the low responsible bidder. In addition, the County shall consider an overall accounting of the items listed below, which the Bidder must meet. The Bidder must submit the Non-Collusion, Bidder Responsibility, and Minimum Wage Certification Form demonstrating that the meet the following criteria:

Bid Procedures and Conditions

Qualifications of Bidder

A. Bidders mustmeetthe minimumqualifications of RCW 39.04.350, as amended. Beforeaward of a public works contract, a bidder must meet the following responsibility criteria to be considered a responsible bidder and qualified to be awarded a public works project. The bidder must:

a. At the time of bid submittal, have a certificate of registration in compliance with chapter 18.27 RCW;

b. Have a current state unified business identifier number;

c. If applicable, have industrial insurance coverage for the bidder's employees working in Washington as required in Title 51 RCW; an employment security department number as required in Title 50 RCW; and a state excise tax registration number as required in Title 82 RCW;

d. Not be disqualified from bidding on any public works contract under RCW 39.06.010 or 39.12.065(3);

e. If bidding on a public works project subject to the apprenticeship utilization requirements in RCW 39.04.320, not have been found out of compliance by the Washington state apprenticeship and training council for working apprentices out of ratio, without appropriate supervision, or outside their approved work processes as outlined in their standards of apprenticeship under chapter 49.04 RCW for the one-year period immediately preceding the date of the bid solicitation;

f. Have received training on the requirements related to public works and prevailing wage under this chapter and chapter 39.12 RCW. The bidder must designate a person or persons to be trained on these requirements. The training must be provided by the department of labor and industries or by a training provider whose curriculum is approved by the department. The department, in consultation with the prevailing wage advisory committee, must determine the length of the training. Bidders that have completed three or more public works projects and have had a valid business license in Washington for three or more years are exempt from this subsection. The department of labor and industries must keep records of entities that have satisfied the training requirement or are exempt and make the records available on its web site. Responsible parties may rely on the records made available by the department regarding satisfaction of the training requirement or exemption; and

g. Within the three-year period immediately preceding the date of the bid solicitation, not have been determined by a final and binding citation and notice of assessment issued by the department of labor and industries or through a civil judgment entered by a court of limited or general jurisdiction to have willfully violated, as defined in RCW 49.48.082, any provision of chapter 49.46, 49.48, or 49.52 RCW.

B. In addition to the bidder responsibility criteria above, the Bidder must also meet the following relevant supplemental bidder responsibility criteria applicable to the project:

a. The Bidder shall not currently be debarred or suspended by the Federal government. The Bidder shall not be listed as a current debarred or suspended bidder on the U.S. General Services Administration’s “Excluded Parties List System” website. Bidder debarment or suspension status may be verified through this website: http://www.sam.gov/. The County may also use other sources of information that may be available to otherwise determine whether the Bidder is in compliance with these supplemental criteria.

b. The Bidder shall not have been convicted of a crime involving bidding on a public works contract within five (5) years prior to the bid submittal deadline. The Bidder shall provide a duly executed sworn statement (on the included form, or on a form otherwise determined to be acceptable by the County), that the Bidder has not been

convicted of a crime involving bidding on a public works contract. The County may also use other sources of information that may be available to determine whether the Bidder is in compliance with these supplemental criteria.

c. The Bidder’s standard subcontract form shall include the subcontractor responsibility language required by RCW 39.06.020, and the Bidder shall have an established written procedure which the Bidder uses to validate the responsibility of each of its subcontractors. The Bidder’s subcontract form shall also include a requirement that each of its subcontractors shall have and document a similar procedure to determine whether the sub-tier subcontractors with whom it contracts are also “responsible” contractors as defined per RCW 39.06.020. The County may also use other sources of information that may be available to determine whether the Bidder is in compliance with these supplemental criteria.

d. The Bidder shall not have a record of prevailing wage complaints filed against the Bidder within five (5) years prior to the bid submittal date that demonstrates a pattern of failing to pay workers prevailing wages, unless there are extenuating circumstances that are acceptable to the County. The County may also use other sources of information that may be available to determine whether the Bidder is in compliance with these supplemental criteria.

e. The Bidder shall not have had any public works contract terminated for cause by a government agency during the five (5) year period immediately preceding the bid submittal deadline for the project, unless there are extenuating circumstances acceptable to the County. The Bidder shall provide a duly executed sworn statement (on the included form, or in a form otherwise determined to the acceptable by the County), that the Bidder has not had any public works contract terminated for cause by a government agency during the five (5) year period immediately preceding the bid submittal deadline for the project. The County may also use other sources of information that may be available to determine whether the Bidder is in compliance with these supplemental criteria.

f. Within two (2) years prior to the bid submittal date the Bidder shall not have had a project construction site shut down due to a safety violation (i.e., WISHA/OSHA written citations) from the Washington State Department of Labor & Industries or analogous agency with jurisdiction in the location the work was performed, regardless of whether such willful and/or serious safety violations have been abated or not. The Bidder shall maintain compliance with all safety and health requirements (i.e., WISHA/OSHA) from the Washington State Departmentof Labor & Industries (or analogous agency with jurisdiction in the location the work is performed). The County mayverify suchinformation provided with the Washington StateDepartmentof Labor& Industries or analogous agency with jurisdiction in the location the work was performed. The County may also use other sources of information that may be available to determine whether the Bidder is in compliance with these supplemental criteria.

C. If a Bidder fails to supply the required bidder responsibility documentation, information, or materials, the Bidder may be determined by the County to be non-responsive, and the bid may be rejected on this basis. If the County determines the apparent successful bidder does not meet the bidder responsibility criteria above and is therefore not a responsible bidder, the County shall notify the bidder in writing with the reasons for its determination. If the bidder disagrees with thedetermination,itmayappealthedeterminationwithintwenty-four(24)hoursofreceiptoftheCounty’sdetermination by presenting additional written information to the County. The County will consider the additional information before issuing its final determination. If the County’s final determination affirms that the bidder is not responsible, the County will not execute a contract with any other bidder until two (2) business days after the bidder determined to be not responsible has received the final determination. Please note that the above-described information, materials, and documentation requested by the County for purposes of determining bidder responsibility is not necessarily exclusive, and the County expressly reserves the right to request additional information, materials, and documentation as may be determined to be necessary or desirable by the County in order to evaluate and determine Bidder’s compliance with the above-described bidder responsibility criteria. At all times, the County may also use other sources of information that may be available to otherwise determine whether the Bidder is in compliance with the forgoing bidder responsibility criteria.

NOTICE TO ALL BIDDERS

To report bid rigging activities call: 1-800-424-9071

The U.S. Department of Transportation (USDOT) operates the above toll-free “hotline” Monday through Friday, 8:00 a.m. to 5:00 p.m., ET. Anyone with knowledge of possible bid rigging, bidder collusion, or other fraudulent activities should use the “hotline” to report such activities.

The “hotline” is part of USDOT’s continuing effort to identify and investigate highway construction contract fraud and abuse and is operated under the direction of USDOT Inspector General. All information will be treated confidentially, and caller anonymity will be respected.

END OF SECTION

BIDDER REPRESENTATIONS AND CERTIFICATIONS

In accordance with the Contract Documents, the Bidder must provide the following sworn statement and certification:

I, , the undersigned declarant, as the duly authorized representative on behalf of

(herein the “Bidder”) hereby make this declaration on the basis of facts within the scope of my firsthand knowledge and authority to which I am competent to testify:

1. I hereby certify, swear, and affirm under penalty of perjury, that the Bidder, as of the date of this declaration (below) meets all of the minimum bidder responsibility qualifications of RCW 39.04.250, as amended.

2. I hereby certify, swear, and affirm under penalty of perjury, that the Bidder, as of the date of this declaration (below) meets all of the minimum project bidding requirements.

3. I hereby certify, swear, and affirm under penalty of perjury, that the Bidder, as of the date of this declaration (below) meets all of the supplemental bidder responsibility criteria as set forth in the Bidder Responsibility Criteria, Section B.

4. I hereby certify, swear, and affirm under penalty of perjury, that the undersigned is the person that submitted the bid herewith, that such bid is genuine and not a sham or collusive, or made in the interest of any person not therein named; and he/she further says that said Bidder has not directly or indirectly induced or solicited any Bidder on the above work and supplies to put in a sham bid, or any other person or corporation to refrain from bidding; and that said Bidder has not in any manner sought by collusion to secure himself to any other person an advantage over any other Bidder or Bidders.

5. I hereby certify, swear, and affirm under penalty of perjury, that no officer or employee of the County, having the power or duty to perform an official act or action related to this submittal, shall have or acquire any interest in this submittal, or have solicited, accepted or granted a present or future gift, favor, service, or other thing of value from or to any person involved in this submittal.

6. I hereby certify, swear, and affirm under penalty of perjury, that in connection with the performance of the work of this project, if awarded, I will pay each classification of laborer, workman, or mechanic employed in the performance of such work not less than the prevailing rate of wage or not less than the minimum rate of wages as specified in the Contract Documents.

7. Iherebycertify,swear,andaffirmunderpenaltyofperjury,thatinsubmittingthisbid werepresentthatthebiddocuments have been read in their entirety and are understood, that the site has been visited or that we have familiarized ourselves with the local conditions under which the work is to be performed, that by signature of this proposal we acknowledge all requirements and that we have signed all certificates contained herein.

8. I hereby certify, swear, and affirm under penalty of perjury, that in submitting this bid we acknowledge the requirements and conditions applicable to deposit in the form of a bid surety bond

9. I hereby certify, swear, and affirm under penalty of perjury, that to the best of my knowledge the information contained inthisproposalisaccurateandcompleteandthatIhavethelegalauthoritytocommitthisFirmtoacontractualagreement. I realize the final funding for any service is based upon budget levels and the approval of the County.

Signature of Authorized Person:

Title:

Date:

BID SURETY BOND FORM

NAME OF PROJECT: Headquarters Landfill On-Call Electrical Services PROJECT NUMBER: 2025-0065-01

FIRM NAME:

ADDRESS:

We, ______________________________________ as Principal, and as Surety, are held and firmly bound unto the COUNTY OF COWLITZ, a Washington State County, in the penal sum of $____________ ( ___________________ & ______/100dollars),forthepaymentofwhich we jointly and severally bind ourselves, and our legal representatives andsuccessors.

THE CONDITIONS OF THE OBLIGATION are that if the County of Cowlitz shall make timely award to the Principal according to the terms of the bid documents; and the Principal shall, within ten (10) days after notice of the award, exclusive of the day of notice, enter into the contract with the County of Cowlitz and furnishes the contractor's bond (performance and payment bond) with Surety satisfactory to Cowlitz County in an amount equal to one hundred percent (100%) of the amount of the bid proposed including Washington State Sales Tax then this obligation shall be null and void; otherwise if the Principal fails to enter into the contract and furnish the contractor's bond within ten (10) days after notice of the award, exclusive of the day of notice, the amount of the penal sum shall be forfeited to the County; but in no event will the Surety's liability exceed this bond's face amount.

SIGNED ANDSEALED THIS DAYOF YEAR20

SURETY

PRINCIPAL

TITLE:

CONTRACT SUMMARY

Contract Value: [$ ]

SAMPLE AGREEMENT FORM

COWLITZ COUNTY

CONSTRUCTION SERVICES AGREEMENT

PROJECT #2023- -01

Estimated Completion Date: ( ) continuous days after Notice to Proceed

Contract Type: Lump Sum, Cost Not-To-Exceed

Contract Administrator:

Email:

PARTIES

COUNTY:

Cowlitz County Washington

CONTRACTOR:

Company Name C/O Department Address

207 N. Fourth Ave, Room 308

City, State, Zip Kelso, WA 98626

Project Coordinator:

Phone:

Email:

Contact:

Phone:

Fax:

Email:

THIS AGREEMENT made and entered into effective the [ ] by and between COWLITZ COUNTY, a political subdivision of the State of Washington having offices for the transaction of business indicated above and hereinafter referred to as the “County”, and the “Contractor”, named and having offices for the transaction of business indicated above jointly, hereinafter referred to along with the County as the “Parties”.

WHEREAS, the Board of County Commissioners of Cowlitz County pursuant to the provisions of the Revised Code of Washington Section 36.32.120(6) has the care of County property and the management of County funds and business; and

WHEREAS, the Board of County Commissioners of Cowlitz County pursuant to the above cited statutory section and those provisions as set forth in the Revised Code of Washington Section 39.04.155, et seq. did let out for bid the Cowlitz County Morgue; Project #2020-0020-01.

WHEREAS, the Purchasing Service Department on behalf of Cowlitz County did on [ ]open said bid and did on [__________] accept the bid of the Contractor herein as the lowest responsible bidder for Cowlitz County bid [ ]

NOW, THEREFORE, for and in consideration of the mutual promises set forth herein, the parties hereto do mutually agree as follows:

ARTICLE 1. COMPENSATION, WORK AND SERVICES

The Contractor for the consideration of [________________________________] ($___________.__), not including sales tax, for work performed as specified in the “Contract Documents” as enumerated herein below, shall in strict accordance with all of the provisions therein, perform all work and provide all materials called for by the Contract Documents Project #2020-0020-01 The County agrees to pay the Contractor for said work as specified in the “Contract Documents.”

SAMPLE

ARTICLE 2. CONTRACT DOCUMENTS

The Contract Documents consist of this Agreement and other documents listed below issued prior to the execution of this Agreement and all modifications and change orders issued subsequent thereto. These form a contract and all are as fully a part of the contract as if attached to this Agreement or repeated herein. In the event of a conflict between documents the order of precedence will be the order listed below. An enumeration of the contract documents is set forth below:

1.Change Orders;and 2.Notice to Proceed; and 3.Notice of Award; and 4.Agreement;and 5.Addenda; and

6.Procurement & Contract Requirements, Project Specifications and Drawings;and 7.The provisions of Cowlitz County Bid No. [ ];and

8.The bid proposal of the contractor dated [ ]

ARTICLE 3. RELATIONSHIP OF THE PARTIES

The parties intend that an independent contractor relationship will be created by this Agreement. The County is interested only in the results to be achieved, and the conduct and control of all services or work will lie solely with the Contractor. No agent, employee, servant or otherwise of the Contractor shall be or shall be deemed to be an employee, agent, servant or otherwise of the County for any purpose, and the employees of the Contractor are not entitled to any of the benefits that the County provides for County employees. The Contractor will be solely and entirely responsible for its acts and for the acts of its agents, employees, servants, subcontractors, or otherwise during the performance of his Contract. In the performance of the services herein contemplated, the Contractor is an independent contractor with the authority to control and direct the performance and details of the work, the County being interested only in the results obtained; however, the work contemplated herein must meet the approval of the County pursuant to the provisions of the agreement under which the services and work were let to the Contractor.

ARTICLE 4. INDEMNIFICATION

The Contractor is an independent contractor and not the agent or employee of the County. No liability shall attach to the County for entering into this Contract or because of any act or omission of the Contractor except as expressly provided.

The Contractor agrees to defend, indemnify and hold the County and the County's Consultant(s), when used on the project, harmless from any and all claims, including but not limited to reasonable attorney fees, demands, losses and liabilities to or by third parties arising from, resulting from or connected with services performed or to be performed under this contract by the Contractor, its agents or employees to the fullest extent permitted by law. The Contractor's duty to indemnify the County and Consultant shall not apply to liability for damages arising out of bodily injury to persons or damage to property caused by or resulting from the sole negligence of the County or Consultant, their agents or employees. The Contractor's duty to indemnify the CountyandConsultantforliabilityfordamagesarisingoutofbodilyinjurytopersonsordamagetopropertycausedbyorresulting from the concurrent negligence or (a) the County or Consultant, their agents or employees, and (b) Contractor, its agents or employees shall apply only to the extent of negligence of the Contractor or its agents or employees. Contractor's duty to defend, indemnify and hold the County harmless shall include, as to all claims, demands, losses and liability to which it applies, the County's personnel-related costs, reasonable attorney's fees, court costs and all other claim-related expenses.

The Contractor's indemnification shall specifically include all claims for loss liability because of wrongful payments under the Uniform Commercial Code, or other statutory or contractual liens or rights or third parties, including taxes, accrued or accruing as a result of this contract or work performed or materials furnished directly or indirectly because of this contract.

Contractor further agrees that this duty to indemnify County applies regardless of any provisions in RCW Title 51 to the contrary, including but not limited to any immunity of Contractor for liability for injuries to Contractor's workers and employees, and Contractor hereby waives any such immunity for the purpose of this duty to indemnifyCounty.

ARTICLE 5. TERMINATION

Contract(s) resulting from this bid may be terminated, in whole or in part, under the following conditions: 1) by mutual written agreement; 2) by the County for breach by the bidder of any of the obligations or requirements set forth in the contract documents. The County retains the option to require the bidder to assume liability for all damages, including the excess of re-procuring similar products or services; 3) for the convenience of the County; or 4) by the County for non-appropriation of funds.

ARTICLE 6. TERMINATION BY THE COUNTY WITHOUT CAUSE

SAMPLE

Notwithstanding any other provisions contained herein, the County, without cause, may terminate the contract between the parties by providing notice to the Contractor. Upon termination under this section: 1) All remaining obligations of the parties are discharged, but any right based upon breach or performance occurring prior to termination survives; 2) If the reasonable costs of performance incurred by the Contractor prior to termination exceed the amount paid by the County to the Contractor on the Contract Sum, the County shall reimburse the Contractor in the amount of such excess; 3) If the amount paid by the County to the Contractor on the Contract Sum exceeds the reasonable costs of performance incurred by the Contractor prior to termination, the Contractor shall reimburse the County in the amount of such excess; 4) Any funds obtained or retained by the Contractor as provided in 2) or 3) of this paragraph, shall constitute full payment and consideration for the services performed by the Contractor prior to termination.

ARTICLE 7. MAINTENANCE OF RECORDS

The Firm will maintain, for at least three (3) years after completion of this contract, all relevant records pertaining to this contract. The Firm shall make available to the County or the Washington State Auditor or their duly authorized representatives, at any time during their normal operating hours, all records, books or pertinent information which the Firm shall have kept in conjunction with this Agreement and which the County may be required by law to include or make part of its auditing procedures, an audit trail or which may be required for the purpose of funding the services contracted for herein.

ARTICLE 8. VENUE STIPULATION

This Agreement has and shall be construed as having been made and delivered in the State of Washington, and the laws of the State of Washington shallbeapplicable to its constructionand enforcement.Anyactionatlaw, suit in equity or judicialproceeding for the enforcement of this Agreement or any provisions hereto shall be instituted only in courts of competent jurisdiction within

Cowlitz County, Washington, unless relocation or commencement elsewhere is required by law.

ARTICLE 9. COMPLIANCE WITH LAWS

The Contractor in the performance of this Agreement agrees to comply with all applicable federal, state and local laws, ordinances and regulations including but not limited to those pertaining to civil rights. The Contractor may not, without the prior written approval of the County, assign, sublet or transfer in whole or in part his interest in this Agreement.

ARTICLE 10. INTEGRATION

This Agreement contains all the terms and conditions agreed upon by the Parties. No other understanding, oral or otherwise regarding the subject matter of this Agreement shall be deemed to exist or to bind any of the parties. All Parties have read and understand the above contract and now state that no representations, promises, or agreements not expressed by this Agreement have been made to induce the other to execute the same.

ARTICLE 11. LIQUIDATED DAMAGES

Time is of the essence in the performance of the contract. Because the County finds it impractical to calculate the actual costs of delays, it has adopted the Liquidated Damage Table in the Bid Documents.

Liquidated damages will not be assessed for any days for which an extension of time is granted. No deduction or payments of liquidated damages will in any degree, release the Contractor from further obligation and liabilities to complete the entire work.

ARTICLE 12. RECOVERY OF FUNDS

Whenever, under the contract, any sum of money shall be recoverable from or payable by the Contractor to Cowlitz County the same amount may be deducted from any sum due to the Contractor under the contract or under any other contract between the contractor and Cowlitz County. The rights of Cowlitz County are in addition and without prejudice to any other right Cowlitz County may have to claim the amount of any loss or damage suffered by Cowlitz County on account of the acts or omissions of the Contractor.

ARTICLE 13. ENFORCEMENT COSTS

If any legal action or other proceeding is brought for the enforcement of this Contract, or because of an alleged dispute, breach, default or misrepresentation in connection with any provisions of this Contract, the successful or prevailing party or parties shall be entitled to recover reasonable attorney's fees, court costs, and all expenses (including taxes) even if not taxable as court costs (including, without limitation, all such fees, costs, and expenses incident to appeals), incurred in that action or proceeding, in addition to any other relief to which such party or parties may be entitled.

ARTICLE 14. ANTI-KICKBACK

No officer or employee of the County, having the power or duty to perform an official act or action related to this Agreement, shall have or acquire any interest in this agreement, or have solicited, accepted or granted a present or future gift, favor, service, or other thing of value from or to any person involved in this Agreement.

ARTICLE 15. WAIVER

No officer, employee, agent or otherwise of the COUNTY has the power, right or authority to waive any of the conditions or provisions to this Agreement. No waiver of any breach of this Agreement shall be held to be a waiver of any other or subsequent breach. All remedies afforded in this Agreement or at law shall be taken and construed as cumulative, that is, in addition to every other remedy provided herein or by law. Failure of the COUNTY to enforce at any time any of the provisions of this Agreement or to require at any time performance by CONTRACTOR of any provision hereof, shall in no way be construed to be a waiver of such provisions, nor in any way affect the validity of this Agreement or any part hereof, or the right of the COUNTY to hereafter enforce each and every such provision.

ARTICLE 16. EXECUTION

The PARTIES warrant that the officers/individuals executing below have been duly authorized to act for and on behalf of the Party for purposes of confirming this Agreement.

SAMPLE

ARTICLE 17. COUNTERPARTS

This Agreement may be executed in any number of counterparts, each of which, when so executed and delivered, shall be an original, but such counterparts shall together constitute but one and the same.

ARTICLE 18. THIRD PARTY BENEFICIARIES

This Agreement is intended for the benefit of the COUNTY and CONTRACTOR and not for the benefit of any third parties.

ARTICLE 19. SURVIVAL

Without being exclusive, the Article for Indemnification and the Article for Venue Stipulation of this Agreement shall survive any termination, expiration or determination of invalidity of this Agreement in whole or in part. Any other Articles of this Agreement which, by their sense and context, are intended to survive shall also survive.

IN WITNESS WHEREOF, the said Contractor has executed this instrument, and the said Board of County Commissioners

pursuant to resolution duly adopted, has caused this instrument to be executed by and in the name of said Board on the day and year set forth herein. CONTRACTOR

BOARD OF

COUNTY COMMISSIONERS OF COWLITZ COUNTY, WASHINGTON

Signature

Print Name

Title

Date: _____________________, 20 ______

Richard R. Dahl, Chairman

Steve Rader, Commissioner

SAMPLE

Steven L. Ferrell, Commissioner

ATTEST:

Kelly Grayson, Clerk of the Board

Meeting Date: 10/21/2025

Call for Bids: Tennant Way Landfill On-Call Services ITB# 2025-0066-01

Submitted For: Shawn Roewe

Department: Public Works

Subject and Summary Statement

Submitted By: Ashley Claussen

Information

Attached are the necessary documents to issue the Call for Bids for as-needed electrical and mechanical services at the Tennant Way Landfill.

Bids will be due to Purchasing Services by 1:30 PM on November 17, 2025.

Will Staff Attend - NAME OF STAFF No.

Department Recommendation

It is the recommendation of the Department of Public Works that the Board move to approve the Call for Bids and publish the Notice to Contractors in the usual manner.

Attachments

Call for Bids

Invitation to Bid

Form Started By: Ashley Claussen

Form Review

Started On: 10/14/2025 05:07 PM

CALL FOR BIDS

Cowlitz County Purchasing Services will receive sealed bids until November 17, 2025, at 1:30 PM (Pacific Time) for the following work: TENNANT WAY LANDFILL ON-CALL SERVICES

At that time all bids will be publicly opened and read in the Public Works Training Room. Bids must be addressed to:

Cowlitz County Public Works

Attn: Ashley Claussen, Purchasing Services

Tennant Way Landfill On-Call Services: ITB #2025-0066-01 1600 13th Avenue S Kelso, WA 98626

Bids must be mailed or delivered in person to the address above. Late, faxed, or emailed bids will not be accepted. The County’s decision on bid receipt time is final.

The bid opening will be accessible via Zoom by visiting https://us06web.zoom.us/j/84447159296. Following the opening, a recorded video and bid results will be posted on the County’s website

All documents received in response to this invitation to bid will become a matter of public record and subject to the Washington public disclosure act under chapter 42.56 RCW.

The Board reserves the right to reject any and all bids and to waive any immaterial irregularities or informalities in any bid or in the bidding.

DATED this 21st day of October 2025.

BOARD OF COUNTY COMMISSIONERS OF COWLITZ COUNTY, WASHINGTON

Richard R. Dahl, Chairman

Attest: Kelly Grayson, Clerk of the Board

Steve Rader, Commissioner

Steven

L. Ferrell, Commissioner

INVITATION FOR BIDS

Cowlitz County invites interested and qualified contractors to submit sealed bids for the following project:

TITLE: Tennant Way Landfill On-Call Services

ESTIMATED CONTRACT AMOUNT: $75,000.00

BID SUBMITTAL TIME/DATE/LOCATION: Prior to 1:30 PM local time on November 17, 2025 to:

Cowlitz County Public Works

Attn: Ashley Claussen, Purchasing Services

Tennant Way Landfill On-Call Services: ITB #2025-0066-01 1600 13th Avenue S Kelso, WA 98626

PUBLIC BID OPENING:

PRE-BID CONFERENCE:

ITEM FOR BID:

No pre-bid conference will be held. Questions regarding the project will be received until October 31, 2025 at 4:00 PM.

Cowlitz County is seeking bids for as-needed electrical and mechanical services at the Cowlitz County Tennant Way Landfill located at 85 Tennant Way in Longview, Washington. The contractor shall provide labor, materials, subcontracting, fees, permitting, and supervision to perform troubleshooting, diagnostics, maintenance, repairs, and other agreed upon work. One agreement will be awarded as a result of this solicitation. The initial term of the resulting agreement will be for one year, with the option to extend for one additional year at the discretion of the County.

BID SUBMITTAL ENVELOPE:

Upon submittal, bids will be recorded by Cowlitz County as to time and date received and secured until the time set for public bid opening. All bid submittals shall be sealed in an opaque envelope which has been clearly marked with “Tennant Way LandfillOn-Call Services: ITB #2025-0066-01.” NO BIDS WILLBEACCEPTED AFTER THEBID SUBMITTAL TIME.

CONTRACTOR REGISTRATION:

BID SECURITY:

SUMMARY OF WORK

1. The project location is Tennant Way Landfill located at 85 Tennant Way in Longview, Washington.

a. Low and medium voltage systems (up to 12.4kV)

b. Uninterruptible Power Supplies (UPS)

c. Motor Control Centers (MCC)

d. Automatic Transfer Switches (ATC)

e. Actuators

f. Transformers

g. Switchgear

h. Panels

i. Protection Relays

j. Battery Banks

k. DC Chargers

l. Inverters

m. Power Converters

n. Breakers

o. Motors

p. Pumps

q. Generators

r. Process Valves and Pumps

s. Hydraulic/Pneumatic Systems

t. Mechanical staging, erection, and/or rigging of equipment

u. Mechanical fabrication

3. The Contractor shall perform services including, but not limited to:

a. Troubleshooting, diagnostics, maintenance, and repair of equipment listed above.

b. Coordination and subcontracting with manufacturers to provide factory-trained and certified technicians when required to maintain warranty or UL listing.

c. Coordination and subcontracting with highly specialized firms when expertise is beyond the Contractor’s workforce.

d. Installation, inspection, testing, and calibration of components involved in industrial systems including thermostats, direct digital control systems, VFDs, electrical control circuits, etc.

e. Rebuild and/or replacement of pumps and motors.

f. Inspection, rebuilding, or replacement of electrical devices including panels, starters, contactors, signal cables, and receptacles. Includes electrical wiring, switches, and lighting.

h. Mechanical services including hydraulic and pneumatic system maintenance, mechanical staging, erection, rigging, and fabrication as required.

i. Support services including material purchasing and equipment rental.

j. Other services as required by the County and mutually agreed upon.

4. Contractor is responsible for all necessary permits including filing, payments, and scheduling.

a. Lockout/Tagout (LOTO) procedures

b. Arc Flash Protection (NFPA 70E)

c. Confined Space Entry (when applicable)

d. Fall Protection

8. Contractor must be capable of providing qualified technical personnel from its own workforce to respond to all service requests.

14. The services outlined in this scope are not exclusive. Cowlitz County reserves the right to solicit competitive bids and contract for repairs and services with other providers.

15. Poor or unsatisfactory performance may result in reduced task order execution or contract termination. Cowlitz County reserves the right to conduct periodic performance reviews, assessing:

a. Timeliness and responsiveness

b. Quality of workmanship

c. Compliance with safety and code requirements

d. Accuracy of documentation and invoicing

e. Communication and professionalism

INFORMATION FOR BIDDERS

1.01 PREPARATION OF BIDS

C. Substitute bid proposals will not be considered unless this solicitation authorizes their submission.

D. It will be the responsibility of the bidder to conform to the requirements; failure to comply with exact specifications could result in rejection of bid documents.

1.02 BID GUARANTEE

A. A bid guarantee in the amount of 5% of the entire bid amount is required. Failure of the bidder to provide bid guarantee when required shall render the bid non-responsive.

B. Acceptable forms of bid guarantee are a bid bond or postal money order, or certified check or cashier’s check made payable to Cowlitz County

1.03 ADDITIVE OR DEDUCTIVE BID ITEMS

The bidder agrees to hold all bid alternate prices for sixty (60) days from date of bid opening.

1.04 ACKNOWLEDGEMENT OF ADDENDA

1.05 SITE INVESTIGATION AND CONDITIONS AFFECTING THE WORK

1.06 BID AMOUNTS

C. The bidder agrees to hold the base prices for sixty (60) days from the date of bid opening.

1.07 TAXES

If a cash discount is offered and taken it is understood that sales tax will be applied to the discounted amount.

It shall be the contractor's responsibility to furnish Federal Excise Tax Exemption Certificate, when applicable.

1.08 SUBMISSION OF BIDS

A. Bid proposals must be submitted on or before the time specified in the Invitation to Bid.

B. If the base bid and the sum of additive alternates is one million dollars or more, the bid proposal shall comply with the following requirements:

2. The bidder can name itself for the performance of the work.

4. Failure of the bidder to submit as part of the bid the names of such subcontractors or to name itself to perform such work shall render the bid non-responses and, therefore, void.

C. The bid proposal shall be submitted in a sealed envelope addressed to the office specified in the Invitation to Bid. The envelope shall have printed outside:

1. The project number.

2. The name and address of the bidder.

3. Identification as bid proposal.

G. People with disabilities who wish to request special accommodation, (e.g., sign language interpreters, Braille, etc.) need to

contact the County ten (10) working days prior to the scheduled bid opening.

1.09 BID OPENING

A. At the time and place included in this Invitation to Bid, each bid that has been received, except those thathave been properly withdrawn, will be opened and evaluation shall begin.

C. In the event a bidder discovers an error in its bid following the bid opening, the bidder may request to withdraw its bid under the following conditions:

1. Written notification is received by the County within 24 hours following bid opening.

2. The bidder provides written documentation of the claimed error to the satisfaction of the County within 72 hours following the bid opening.

1.10 BID RESULTS

1.11 LOW RESPONSIBLE BIDDER

A. At the time of bid submittal, have a certificate of registration in compliance with chapter 18.27 RCW;

B. Have a current state unified business identifier number;

D. Not be disqualified from bidding on any public works contract under RCW 39.06.010 or 39.12.065(3);

entered by a court of limited or general jurisdiction to have willfully violated, as defined in RCW 49.48.082, any provision of chapter 49.46, 49.48, or 49.52 RCW.

1.12 BID EVALUATION

A. The County will evaluate bids responsiveness and responsibility.

1. A bid will be considered responsive it if meets the following requirements:

a) It is received at the proper time and place.

b) It meets the stated requirements of the bid proposal.

c) It is submitted by a licensed/registered contractor within the state of Washington at the time of bid opening and is not banned from bidding by the Department of Labor and Industries.

d) It is accompanied by a bid guarantee.

2. A bid will be considered responsible if it meets the following requirements:

a) It meets the mandatory responsibility criteria established in RCW 39.05.350 and an overall accounting of the supplemental responsibility criteria established for the project.

C. The County may negotiate bid price adjustments with the low responsive bidder, including changes to the contract documents, to bring the bid within the available funding per RCW 39.04.015

1.13 BID PROTESTS

1.14 BID AWARD

A. The bidder will allow 60 days from bid opening date for acceptance of its bid and award of agreement made by the County.

B. Agreement will be awarded to the lowest responsible and responsive bidder.

D. Bid award does not itself constitute a contract. The bidder will have ten (10) days from the date of the notice of award, exclusive of the day of notice, to provide:

1. A signed agreement form.

2. Contractor’s Payment and Performance Bond.

3. Certificate of Insurance.

F. No bid shall be binding upon the County until an agreement has been properly executed by the Contractor and County.

1.15 INSURANCE

C. REQUIRED COVERAGE:The insurance shall provide the minimum coverage as set forth below:

1.16 CONTRACTOR’S PAYMENT AND PERFORMANCE BOND

A. The Contractor willbe required to pay for and file a Paymentand Performance Bond tothe State of Washington and Cowlitz

B. The bond shall be executed by a Surety Company acceptable to the County and shall remain in effect for one (1) year following the formal acceptance of the work.

1.17 WAGE RATES AND EMPLOYMENT

1.18 RETAINAGE AND PAYMENTS

1. Notice of Completion from the Board of County Commissioners or designee.

3. Certification of Payment of Contributions from the Washington State Employment Security Department (Requested by the County when the Notice of Completion is received).

4. Affidavits of Prevailing Wages Paid approved by the Department of Labor & Industries on the Contractor and each Subcontractor.

5. Reports on Claims (liens) filed against the project or Contractor from the County Auditor, Clerk of the Board of County Commissions and Department, 45 days from date of Resolution of Acceptance.

1.19 COMPLIANCE WITH LAWS AND REGULATIONS

Chapter 49.17, and the Washington Administrative Code (WAC) 296-24.

C. Should the Contractor find inconsistencies in the Contract Documentation with respect to governmental laws, rules, regulations and codes, then the Contractor shall notify the County in writing.

D. The Contractor agrees to indemnify and defend the County against any loss, cost, liability or damage (including reasonable attorney fees) due to the Contractor's violation of this section.

1.20 ARBITRATION

There will be no arbitration arising out of or relating to any contract resulting from this Invitation to Bid.

1.21 COMPLIANCE WITH TERMS

The County may at any time insist upon strict compliance with these terms and conditions, notwithstanding any previous custom, practice, or course of dealing to the contrary.

1.22 NON-DISCRIMINATION

1.23 INTERPRETATION OF DOCUMENTS

BIDDER CHECKLIST

The omission or deletion of any bid item may be considered non-responsive and may be cause for the rejection of the bid.

1. Has a bid bond or certified check been enclosed with bid? Is the amount of the guarantee at least 5 percent of the total amount of the bid?

2. Has the bid been properly completed and signed in all required areas?

3. Have all addenda, if any, been acknowledged in the Bid Form?

4. Has the bidder reviewed the Bidder Qualifications and Bidder Responsibility Criteria and understand these obligations if selected as the apparent low bidder?

5. The following items must be completed and included within the sealed envelope:

A. Bidder Qualification Form

B. Bid Form

C. Bidder Representations and Certifications

D. Bid Surety Bond Form

6. The following items are to be executed after the contract is awarded to the lowest responsible bidder:

A. Agreement Form

B. Performance and Payment Bond

C. Certificates of Insurance END OF SECTION

BIDDER QUALIFICATIONS

Each bidder submitting a proposal for this project shall submit, as part of its bid, the following information:

1. Registered Name of Firm Submitting Bid:

2. Business Address:

3. Telephone Number (with Area Code):

4. E-mail address:

5. IRS Federal Employer’s Identification Number:

6. Current State Unified Business Identification (UBI) Number:

7. Washington State Contractor Registration Number:

8. Receipt of the following Addenda is hereby acknowledged:

1. Addendum No. _____ dated __________________

2. Addendum No. _____ dated __________________

3. Addendum No. _____ dated __________________

4. Addendum No. _____ dated __________________

5. Addendum No. _____ dated __________________

10. The bidder certifies below that their bid complies in all respects with the attached specification documents, including the minimum specifications. YES NO

*If NO, attach additional pages detailing all proposed deviations.

The bidder certifies below that there are no persons meeting the criteria above that have any beneficial interest in the work of this invitation to bid. YES NO

*If NO, attach additional pages detailing the name of any person, organization, relationship and interest

Signature of Authorized Person:

Title: Date: END OF SECTION

BID FORM

NAME OF PROJECT: Tennant Way Landfill On-Call Services PROJECT NUMBER: 2025-0066-01

Labor – After Hours, Holidays,

BIDDER RESPONSIBILITY CRITERIA

Low Responsible Bidder

Bid Procedures and Conditions

Qualifications of Bidder

a. At the time of bid submittal, have a certificate of registration in compliance with chapter 18.27 RCW;

b. Have a current state unified business identifier number;

d. Not be disqualified from bidding on any public works contract under RCW 39.06.010 or 39.12.065(3);

B. In addition to the bidder responsibility criteria above, the Bidder must also meet the following relevant supplemental bidder responsibility criteria applicable to the project:

NOTICE TO ALL BIDDERS

To report bid rigging activities call: 1-800-424-9071

END OF SECTION

BIDDER REPRESENTATIONS AND CERTIFICATIONS

In accordance with the Contract Documents, the Bidder must provide the following sworn statement and certification:

I, , the undersigned declarant, as the duly authorized representative on behalf of

(herein the “Bidder”) hereby make this declaration on the basis of facts within the scope of my firsthand knowledge and authority to which I am competent to testify:

2. I hereby certify, swear, and affirm under penalty of perjury, that the Bidder, as of the date of this declaration (below) meets all of the minimum project bidding requirements.

8. I hereby certify, swear, and affirm under penalty of perjury, that in submitting this bid we acknowledge the requirements and conditions applicable to deposit in the form of a bid surety bond

Signature of Authorized Person:

Title:

Date:

BID SURETY BOND FORM

NAME OF PROJECT: Tennant Way Landfill On-Call Services PROJECT NUMBER: 2025-0066-01

FIRM NAME:

ADDRESS:

SIGNED ANDSEALED THIS DAYOF YEAR20

SURETY

PRINCIPAL

TITLE:

CONTRACT SUMMARY

Contract Value: [$ ]

SAMPLE AGREEMENT FORM

COWLITZ COUNTY

CONSTRUCTION SERVICES AGREEMENT

PROJECT #2023- -01

Estimated Completion Date: ( ) continuous days after Notice to Proceed

Contract Type: Lump Sum, Cost Not-To-Exceed

Contract Administrator:

Email:

PARTIES

COUNTY:

Cowlitz County Washington

CONTRACTOR:

Company Name C/O Department Address

207 N. Fourth Ave, Room 308

City, State, Zip Kelso, WA 98626

Project Coordinator:

Phone:

Email:

Contact:

Phone:

Fax:

Email:

NOW, THEREFORE, for and in consideration of the mutual promises set forth herein, the parties hereto do mutually agree as follows:

ARTICLE 1. COMPENSATION, WORK AND SERVICES

SAMPLE

ARTICLE 2. CONTRACT DOCUMENTS

1.Change Orders;and 2.Notice to Proceed; and 3.Notice of Award; and 4.Agreement;and 5.Addenda; and

6.Procurement & Contract Requirements, Project Specifications and Drawings;and 7.The provisions of Cowlitz County Bid No. [ ];and

8.The bid proposal of the contractor dated [ ]

ARTICLE 3. RELATIONSHIP OF THE PARTIES

ARTICLE 4. INDEMNIFICATION

ARTICLE 5. TERMINATION

ARTICLE 6. TERMINATION BY THE COUNTY WITHOUT CAUSE

SAMPLE

ARTICLE 7. MAINTENANCE OF RECORDS

ARTICLE 8. VENUE STIPULATION

Cowlitz County, Washington, unless relocation or commencement elsewhere is required by law.

ARTICLE 9. COMPLIANCE WITH LAWS

ARTICLE 10. INTEGRATION

ARTICLE 11. LIQUIDATED DAMAGES

ARTICLE 12. RECOVERY OF FUNDS

ARTICLE 13. ENFORCEMENT COSTS

ARTICLE 14. ANTI-KICKBACK

ARTICLE 15. WAIVER

ARTICLE 16. EXECUTION

SAMPLE

The PARTIES warrant that the officers/individuals executing below have been duly authorized to act for and on behalf of the Party for purposes of confirming this Agreement.

ARTICLE 17. COUNTERPARTS

ARTICLE 18. THIRD PARTY BENEFICIARIES

This Agreement is intended for the benefit of the COUNTY and CONTRACTOR and not for the benefit of any third parties.

ARTICLE 19. SURVIVAL

IN WITNESS WHEREOF, the said Contractor has executed this instrument, and the said Board of County Commissioners

pursuant to resolution duly adopted, has caused this instrument to be executed by and in the name of said Board on the day and year set forth herein. CONTRACTOR

BOARD OF COUNTY COMMISSIONERS OF COWLITZ

COUNTY, WASHINGTON

Signature

Print Name

Title

Date: _____________________, 20 ______

Richard R. Dahl, Chairman

Steve Rader, Commissioner

SAMPLE

Steven L. Ferrell, Commissioner

ATTEST:

Kelly Grayson, Clerk of the Board

Meeting Date: 10/21/2025

CONTRACT COMPLETION - 2025 Countywide Pavement Overlay - Project No. 2025 - Lakeside Industries

Submitted For: Rich White, Public Works

Department: Public Works

Subject and Summary Statement

Submitted By: Lynn Ruffe, Public Works

Information

A final inspection of the 2025 Countywide Pavement Overlay project has been made by the Department of Public Works and all phases of the work have been found to be satisfactorily complete. The project was constructed in accordance with the plans and specifications with all material incorporated in the project meeting specifications. The final cost of the project was $2,908,870.72. A copy of the Construction Cost Summary is attached.

Will Staff Attend - NAME OF STAFF or No

Yes

Department Recommendation

It is the recommendation of the Department of Public Works that the Board move to accept the contract with Lakeside Industries for the 2025 Countywide Pavement Overlay project as being complete by signing the attached letter.

Fiscal Impact

Expenditure Required $: 2,908,871

Budget Sufficient Y-N: Y

Amendment Required Y-N: N

Source of Funds - What Dept ? : Roads

Grant Y-N:

Contract Completion Letter

Construction Cost Summary

Inbox

Susan Eugenis

Mike Moss, Public Works

Form Started By: Lynn Ruffe

Attachments

Form Review

Reviewed By Date

Susan Eugenis 10/07/2025 11:36 AM

Mike Moss 10/14/2025 12:44 PM

Started On: 10/06/2025 12:07 PM

Board of Cowlitz County Commissioners

October 21, 2025

Lakeside Industries

P.O. Box 576

Longview, WA 98632

SUBJECT: 2025 Countywide Pavement Overlay Project Project No. 2025 Contract Completion

We have received certification from our Department of Public Works that you have satisfactorily completed your contract with Cowlitz County for the 2025 Countywide Pavement Overlay project. Therefore, we accept your contract as being complete.

Your retainage will be held for thirty (30) days from this date and until releases are received from the Department of Labor and Industries and the Department of Revenue.

Very truly yours,

BOARD OF COUNTY COMMISSIONERS OF COWLITZ COUNTY, WASHINGTON

Richard R. Dahl, Chairman

Steve Rader, Commissioner

Steven L. Ferrell, Commissioner

BOCC:lr

cc: County Auditor Accounting Section

207 North 4th Avenue

cowlitz@cowlitzwa.gov Kelso, WA 98626 www.co.cowlitz.wa.us

June 23, 2025

Completion Date July 24, 2025

BOCC Agenda

Meeting Date: 10/21/2025

BID AWARD - Snow Sand

Submitted For: Shawn Roewe, Public Works

Submitted By: Lynn Ruffe, Public Works Department: Public Works

Information

Subject and Summary Statement

Bids were received and opened on October 6, 2025, for the purchase of snow sand. Three companies submitted bid proposals: L Rock Industries, JL Storedahl & Sons and Sterling Breen Crushing. The bid tabulation is attached.

Will Staff Attend - NAME OF STAFF or No

Yes

Department Recommendation

It is the recommendation of the Department of Public Works that the Board move to award the purchase of snow sand to the lowest responsible bidder, L Rock Industries, Inc., for the total cost of $62,290.24, which includes Washington State sales tax.

APPROVED this 21st day of October, 2025

BOARD OF COUNTY COMMISSIONERS OF COWLITZ COUNTY, WASHINGTON

Richard R. Dahl, Chairman

Steve Rader, Commissioner

Steven L. Ferrell, Commissioner

ATTEST: Kelly Grayson, Clerk of the Board

Fiscal Impact

Expenditure Required $: 62,290.24

Budget Sufficient Y-N: Y

Amendment Required Y-N: N

Source of Funds - What Dept ? : Roads

Grant Y-N:

Bid Tab

Inbox

Susan Eugenis

Mike Moss, Public Works

Form Started By: Lynn Ruffe

Attachments

Form Review

Reviewed By Date

Susan Eugenis

Mike Moss

10/07/2025 03:39 PM

10/14/2025 12:44 PM

Started On: 10/07/2025 08:54 AM

Cowlitz County Department of Public Works Snow Sand for Roads

Delivered to Stockpile Locations no later than October 27, 2025 BID TAB

BOCC Agenda

Meeting Date: 10/21/2025

AGREEMENT - Supplemental Agreement No. 1 - Otak, Inc.

Submitted For: Susan Eugenis, Public Works

Submitted By: Lynn Ruffe, Public Works Department: Public Works

Information

Subject and Summary Statement

Attached is Supplemental Agreement No. 1 to the Local Agency Consultant Agreement dated June 27, 2023 with OTAK, Inc. for the Pleasant Hill Road Temporary Bridge Replacement Project. The purpose of this Supplemental Agreement is to extend the expiration date to December 31, 2027, and to revise the negotiated hourly rate. The supplement is required due to a lengthy environmental review process being conducted by FEMA. There is no change to the total contract amount.

Will Staff Attend - NAME OF STAFF or No

Yes

Department Recommendation

It is the recommendation of the Department of Public Works that the Board move to approve Supplemental Agreement No. 1 with Otak, Inc.to extend the expiration date to December 31, 2027 and authorize the document to be executed.

Attachments

Supplemental Agreement No. 1

Original Local Agency Agreement

Inbox

Chris Andrews

Lynn Ruffe

Chris Andrews

Susan Eugenis

Mike Moss, Public Works

Form Started By: Lynn Ruffe

Form Review

Reviewed By Date

Lynn Ruffe 10/14/2025 07:53 AM

Chris Andrews 10/14/2025 08:46 AM

Susan Eugenis 10/14/2025 09:18 AM

Mike Moss 10/14/2025 03:09 PM

Started On: 10/13/2025 04:17 PM

Supplemental Agreement Number

Original Agreement Number

Project Number

Organization and Address

Phone:

Project Title New Maximum Amount Payable

Description of Work

The Local Agency of desires to supplement the agreement entered in to with and executed on and identified as Agreement No. All provisions in the basic agreement remain in effect except as expressly modified by this supplement. The changes to the agreement are described as follows:

I

Section 1, SCOPE OF WORK, is hereby changed to read:

II

Section IV, TIME FOR BEGINNING AND COMPLETION, is amended to change the number of calendar days for completion of the work to read:

III

Section V, PAYMENT, shall be amended as follows:

as set forth in the attached Exhibit A, and by this reference made a part of this supplement. If you concur with this supplement and agree to the changes as stated above, please sign in the Appropriate spaces below and return to this office for final action.

By: By:

Approving Authority Signature

COST INFORMATION

BREAKDOWN OF BILLING RATES AND DIRECT NONLABOR RATES

DIRECT LABOR COSTS

EngineeringDesignerVOffice$52.25$90.50$15.67$158.42

EngineeringDesignerIVOffice$46.77$81.02$14.03$141.82

EngineeringDesignerIIIOffice$40.80$70.67$12.24$123.72

EngineeringDesignerIIOffice$36.87$63.87$11.06$111.80

EngineeringDesignerIOffice$33.52$58.06$10.06$101.64

EngineeringTechnicianVIIOffice$54.56$94.50$16.37$165.43

EngineeringTechnicianVIOffice$47.50$82.27$14.25$144.02

EngineeringTechnicianVOffice$43.45$75.26$13.03$131.74

EngineeringTechnicianIVOffice$40.82$70.71$12.25$123.77

EngineeringTechnicianIIIOffice$37.11$64.28$11.13$112.52

EngineeringTechnicianIIOffice$30.00$51.96$9.00$90.96

EngineeringTechnicianIOffice$27.27$47.24$8.18$82.69

PIC/ScientistOffice$80.28$139.05$24.08$243.40

ScientistVIOffice$69.97$121.19$20.99$212.14

ScientistVOffice$55.40$95.96$16.62$167.99

ScientistIVOffice$49.76$86.19$14.93$150.88

ScientistIIIOffice$45.24$78.35$13.57$137.16

ScientistIIOffice$41.12$71.23$12.34$124.69

ScientistIOffice$37.39$64.75$11.22$113.36

EnvironmentalSpecialistOffice$44.77$77.55$13.43$135.75

ConstructionManagerVIField$73.45$90.61$22.04$186.10

COST INFORMATION

ProfessionalLandSurveyorIIField$52.92$65.28$15.88$134.08

ProfessionalLandSurveyorIField$49.45$61.00$14.84$125.29

SurveyCrewChiefIIIField$49.45$61.00$14.84$125.29

SurveyCrewChiefIIField$41.49$51.19$12.45$105.13

SurveyCrewChiefIField$32.05$39.54$9.62$81.21 SurveyOfficeTechnicianIVField$47.77$58.92$14.33$121.02 SurveyOfficeTechnicianIIIField$39.51$48.74$11.85$100.10

SurveyOfficeTechnicianIIField$31.91$39.36$9.57$80.85 SurveyOfficeTechnicianIField$28.00$34.54$8.40$70.94

SurveyFieldTechnicianIIIField$28.78$35.51$8.64$72.93

SurveyFieldTechnicianIIField$27.41$33.81$8.22$69.44

SurveyFieldTechnicianIField$23.24$28.66$6.97$58.87

Sr.PIC/Sr.PMLA/MasterPlannerOffice$115.00$199.19$34.50$348.69 PIC/Sr.PMLA/MasterPlannerOffice$93.15$161.34$27.94$282.44

LandscapeArchitectVIIOffice$69.71$120.74$20.91$211.36

LandscapeArchitectVIOffice$60.00$103.93$18.00$181.93

LandscapeArchitectVOffice$55.00$95.27$16.50$166.77

LandscapeArchitectIVOffice$53.44$92.56$16.03$162.04

LandscapeArchitectIIIOffice$47.00$81.41$14.10$142.51

LandscapeArchitectIIOffice$43.37$75.11$13.01$131.49

LandscapeArchitectIOffice$39.42$68.29$11.83$119.54

LandscapeTechnicianIIIOffice$36.75$63.65$11.03$111.43

LandscapeTechnicianIIOffice$33.41$57.87$10.02$101.30

LandscapeTechnicianIOffice$30.37$52.61$9.11$92.09

PlannerVIOffice$66.29$114.82$19.89$201.00

PlannerVOffice$60.00$103.93$18.00$181.93

PlannerIVOffice$53.00$91.80$15.90$160.70

PlannerIIIOffice$51.92$89.93$15.58$157.43

PlannerIIOffice$43.51$75.36$13.05$131.93

PlannerIOffice$39.18$67.86$11.75$118.80

PlannerAssociateIVOffice$38.50$66.69$11.55$116.74

PlannerAssociateIIIOffice$35.00$60.62$10.50$106.12

Sr.PIC/Sr.PMArchitectureOffice$104.50$181.00$31.35$316.84

ArchitectVIIOffice$89.64$155.27$26.89$271.80

ArchitectVIOffice$81.73$141.56$24.52$247.81

ArchitectVOffice$73.90$128.00$22.17$224.07 ArchitectIVOffice$59.92$103.78$17.97$181.67 ArchitectIIIOffice$50.72$87.84$15.21$153.77

The Indirect Cost Rate (ICR), profit, and max rate per hour listed above are the maximum rates payable under this Agreement. Rates invoiced shall be based on the direct salary of the individual employee plus ICR plus profit and shall not exceed the Max Billing Rate for each Classification listed.

Direct Non-Salary Costs, including subconsultant fees, will be reimbursed at actual cost.

All travel will be invoiced per WSDOT Travel Regulations.

July29,2025

Otak,Inc

808SWThirdAveSte800 Portland,OR97204

Subject:AcceptanceFYE2024ICR–CPAReport

DearJustinMonahan:

Wehaveacceptedyourfirm’sFYE2024IndirectCostRate(ICR)basedonthe“IndependentCPA Report”preparedbyD.L.Purvine,CPA,PLLC,asfollows:

HomeOffice:173.21%ofdirectlabor(rateincludes0.34%FacilitiesCapitalCostof Money)

FieldOffice:123.36%ofdirectlabor(rateincludes0.26%FacilitiesCapitalCostof Money)

ThisratewillbeapplicableforWSDOTAgreementsandLocalAgencyContractsinWashington only.ThisratemaybesubjecttoadditionalreviewifconsiderednecessarybyWSDOT.YourICR mustbeupdatedonanannualbasis.

Costsbilledtoagreements/contractswillstillbesubjecttoauditofactualcosts,basedontheterms andconditionsoftherespectiveagreement/contract.

Thiswasnotacognizantreview.Anyotherentitycontractingwiththefirmisresponsiblefor determiningtheacceptabilityoftheICR.

Ifyouhaveanyquestions,feelfreetocontactourofficeat(360)704-6397orviaemail consultantrates@wsdot.wa.gov

Regards,

SCHATZIEHARVEY,CPA ContractServicesManager

SH:kb

Participation for Disadvantaged Business Enterprises (DBE) or Small Business Enterprises (SBE), if required, per 49 CFR Part 26, shall be shown on the heading of this AGREEMENT. If DBE firms are utilized at the commencement of this AGREEMENT, the amounts authorized to each firm and their eertification number will be shown on Exhibit "B" attached hereto and by this reference made part of this AGREEMENT. If the Prime CONSULTANT is, a DBE certified firm they must comply with the Commercial Useful Function (CUE) regulation outlined in the AGENCY's DBE Program Participation Plan" and perform a minimum of 30% of the total amount of this AGREEMENT. It is recommended, but not required, that non-DBE Prime CONSULTANTS perform a minimum of 30% of the total amount of thisAGREEMENT.

In the absenee of a mandatory DBE goal, a voluntary SBE goal amount of ten percent of the Consultant Agreement is established.The Consultant shall develop a SBE Participation Plan prior to commencing work Although the goal is voluntary, the outreach efforts to provide SBE maximum praetieable opportunities are not.

BOCC Agenda

Meeting Date: 10/21/2025

EMERGENCY WORK CONTRACT and BOND IN LIEU OF RETAINAGE - Sweet Birch Drive Emergency Storm Sewer Repair - Advanced Excavating Specialists

Submitted For: Susan Eugenis, Public Works

Department: Public Works

Subject and Summary Statement

Submitted By: Emilie Cochrane, Public Works

Information

On October 7, 2025 the Board of County Commissioners adopted a resolution declaring an emergency to repair a collapsed storm drain on Sweet Birch Drive and enter into an Emergency contract with Advanced Excavating Specialists, LLC. The attached documents are the required contracts to complete this work including a Bond in Lieu of Retainage from Endurance Assurance Corporation. The Certificate of Liability Insurance has been approved by Risk Management.

Will Staff Attend - NAME OF STAFF or No

Department Recommendation

It is the recommendation of the Department of Public Works that the Board execute the contract for the emergency repair work and acceptance of the Bond in Lieu of Retainage from Endurance Assurance Corporation.

Acceptance of Bond in Lieu of Retainage: Approved this 21st day of October 2025

BOARD OF COUNTY COMMISSIONERS OF COWLITZ COUNTY, WASHINGTON

Richard R. Dahl, Chairman

Steve Rader, Commissioner

Steven L. Ferrell, Commissioner

ATTEST:

Kelly Grayson, Clerk of the Board

Attachments

Emergency Work Contract

Certificate of Liability Insurance

Bond in Lieu of Retainage

Vicinity Map

Inbox

Susan Eugenis

Mike Moss, Public Works

Form Started By: Emilie Cochrane

Form Review

Reviewed By

Susan Eugenis

Mike Moss

Date

10/14/2025 01:03 PM

10/14/2025 03:09 PM

Started On: 10/14/2025 10:07 AM

THISCERTIFICATEISISSUEDASAMATTEROFINFORMATIONONLYANDCONFERSNORIGHTSUPONTHECERTIFICATEHOLDER.THIS CERTIFICATEDOESNOTAFFIRMATIVELYORNEGATIVELYAMEND,EXTENDORALTERTHECOVERAGEAFFORDEDBYTHEPOLICIES BELOW.THISCERTIFICATEOFINSURANCEDOESNOTCONSTITUTEACONTRACTBETWEENTHEISSUINGINSURER(S),AUTHORIZED REPRESENTATIVEORPRODUCER,ANDTHECERTIFICATEHOLDER.

IMPORTANT:IfthecertificateholderisanADDITIONALINSURED,thepolicy(ies)musthaveADDITIONALINSUREDprovisionsorbeendorsed. IfSUBROGATIONISWAIVED,subjecttothetermsandconditionsofthepolicy,certainpoliciesmayrequireanendorsement.Astatementon thiscertificatedoesnotconferrightstothecertificateholderinlieuofsuchendorsement(s).

NAME: CONTACT

Parker Smith & Feek Insurance LLC 1111 Gateway Loop Springfield OR 97477

E-MAIL ADDRESS: PRODUCER

(A/C,No,Ext): PHONE

INSURERC: INSURERB: INSURERA:

INSURERD:

INSURERE:

INSURERF:

(A/C,No): FAX

INSURER(S)AFFORDINGCOVERAGE

THISISTOCERTIFYTHATTHEPOLICIESOFINSURANCELISTEDBELOWHAVEBEENISSUEDTOTHEINSUREDNAMEDABOVEFORTHEPOLICYPERIOD INDICATED.NOTWITHSTANDINGANYREQUIREMENT,TERMORCONDITIONOFANYCONTRACTOROTHERDOCUMENTWITHRESPECTTOWHICHTHIS CERTIFICATEMAYBEISSUEDORMAYPERTAIN,THEINSURANCEAFFORDEDBYTHEPOLICIESDESCRIBEDHEREINISSUBJECTTOALLTHETERMS, EXCLUSIONSANDCONDITIONSOFSUCHPOLICIES.LIMITSSHOWNMAYHAVEBEENREDUCEDBYPAIDCLAIMS.

COMMERCIALGENERALLIABILITY CLAIMS-MADEOCCUR

GEN'LAGGREGATELIMITAPPLIESPER:

$ EACHOCCURRENCE DAMAGETORENTED $ PREMISES(Eaoccurrence)

$ MEDEXP(Anyoneperson)

PERSONAL&ADVINJURY

GENERALAGGREGATE

PRODUCTS-COMP/OPAGG

COMBINEDSINGLELIMIT

(Peraccident) (Eaaccident)

1,000,000

1,000,000 10,000 1,000,000 2,000,000

2,000,000

$ $

1,000,000

(MandatoryinNH)

Ifyes,describeunder

DESCRIPTIONOFOPERATIONS/LOCATIONS/VEHICLES(ACORD101,AdditionalRemarksSchedule,maybeattachedifmorespaceisrequired)

6,000,000

1,000,000 1,000,000 1,000,000

SHOULDANYOFTHEABOVEDESCRIBEDPOLICIESBECANCELLEDBEFORE THEEXPIRATIONDATETHEREOF,NOTICEWILLBEDELIVEREDIN ACCORDANCEWITHTHEPOLICYPROVISIONS.

EMPLOYERSOVERHEADLIABILITY

Thismodifiesinsuranceprovidedunderthefollowing: COMMERCIALGENERALLIABILITYCOVERAGEPART SCHEDULE

LISTOFSTATES LIMITSOFINSURANCE

BODILYINJURYBYACCIDENTEACHACCIDENT

BODILYINJURYBYDISEASEAGGREGATE BODILYINJURYBYDISEASEEACHEMPLOYEE

NoneofthetermsoftheCoverageParttowhichthisployment.The"employee's"lastdayoflast endorsementisattachedapplytotheinsuranceexposuretotheconditionscausingoraggraprovidedbythisendorsement,exceptfortheCOM-vatingsuch"bodilyinjury"bydiseasemust IV occurduringtheendorsementperiod. MONPOLICYCONDITIONSandSection–COMMERCIALGENERALLIABILITYCONDITIONS.

f.Ifyouaresued,theoriginal"suit"andanyreSECTIONI–COVERAGE latedlegalactionsfordamagesfor"bodilyinjury"byaccidentordiseasemustbebrought

1.InsuringAgreement intheUnitedStatesofAmerica,itsterritories

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b.Theemploymentmustbenecessaryorinci- paysumsorperformactsorservicesiscovered dentaltoyourworkinthestate(s)listedinthe 5.unlessexplicitlyprovidedforunderParagraph Scheduleabove. SupplementaryPaymentsofthisCOVERAGE

c. Section. Youmustmaintainforthe"employee"full WorkersCompensationInsurancecoverage Thedamageswewillpay,whererecoveryis intheWorkersCompensationStateFundof permittedbylaw,includedamages: thestate(s)listedintheScheduleabovedur-

a.forwhichyouareliabletoathirdpartyby ingthetermofthisinsuranceorshallbea reasonofaclaimor"suit"againstyoubythat qualifiedselfinsurerapprovedbytheState thirdpartytorecoverthedamagesclaimed WorkersCompensationCommissionandin againstsuchthirdpartyasaresultofinjuryto goodstanding. your"employee";

d."Bodilyinjury"byaccidentmustoccurduring

b.forcareandlossofservices;and theendorsementperiod.

c.forconsequential"bodilyinjury"toaspouse,

e."Bodilyinjury"bydiseasemustbecausedor child,parent,brotherorsisteroftheinjured aggravatedbytheconditionsofyourem- "employee";

f. providedthatthesedamagesarethedirectcon-Anydamagesfor"bodilyinjury"withrespect sequenceof"bodilyinjury"thatarisesoutofandtowhichtheinsuredisdeprivedofanydefenseordefenses; inthecourseoftheinjured"employee's"employmentbyyou;and

3.WeWillDefend

g."Bodilyinjury"occurringoutsidetheUnited

d.becauseof"bodilyinjury"toyour"employee"StatesofAmerica,itsterritoriesorpossesthatarisesoutofandinthecourseofem-sions,andCanada.Thisexclusiondoesnot ployment,claimedagainstyouinacapacityapplyto"bodilyinjury"toacitizenorresident otherthanasanemployer. oftheUnitedStatesofAmericaorCanada whoistemporarilyoutsidethesecountries;

h.Damagesarisingoutofcoercion,criticism,

Wehavetherightanddutytodefendyou,atour demotion,evaluation,reassignment,disci- expense,againstanyclaim,proceedingor"suit" pline,defamation,harassment,humiliation, seekingdamagespayablebythisinsurance.We discriminationagainstorterminationofany havetherighttoinvestigateany"bodilyinjury" "employee",oranypersonnelpractices,poli- andsettletheseclaims,proceedingsand"suits". cies,actsoromissions;

Theamountwewillpayfordamagesislimitedas i."Bodilyinjury"toanypersoninworksubject describedinLIMITSOFINSURANCE(Section totheLongshoreandHarborWorkers'Com- III). pensationAct(33USCSections901-950),

Wehavenodutytodefendyouagainstaclaim, theNonappropriatedFundlnstrumentalities proceedingor"suit"thatisnotcoveredbythisin- Act(5USCSections8171-8173),theOuter surance.Wehavenodutytodefendorcontinue ContinentalShelfLandsAct(43USCSec- defendingyouafterwehavepaidourapplicable tions1331-1356),theDefenseBaseAct(42 limitofliabilityunderthisinsurance. USCSections1651-1654),theFederalCoal

4.Exclusions MineHealthandSafetyActof1969(30USC Sections901-942),anyotherfederalworkers

Thisinsurancedoesnotapplyto: orworkmen'scompensationlaworotherfed-

a.Liabilityassumedunderacontractoragree- eraloccupationaldiseaselaw,orany ment.Thisexclusiondoesnotapplytoawar- amendmentstotheselaws; rantythatyourworkwillbedoneinawork-

j."Bodilyinjury"toanypersoninworksubject manlikemanner; totheFederalEmployers'LiabilityAct(45

b.Punitiveorexemplarydamagesbecauseof USCSections51-60),anyotherfederallaws "bodilyinjury"toan"employee"employedin obligatinganemployertopaydamagestoan violationoflaw; "employee"dueto"bodilyinjury"arisingout

c."Bodilyinjury"toan"employee"whileem-oforinthecourseofemployment,orany amendmentstothoselaws; ployedinviolationoflawwithyouractual knowledgeortheactualknowledgeofanyof

k."Bodilyinjury"toamasterormemberofthe yourpartners(ifyouareapartnership),your crewofanyvessel; "executiveofficers"(ifyouareanorganization

I.Finesorpenaltiesimposedforviolationof otherthanapartnership,jointventureorlim- federalorstatelaw; itedliabilitycompany),yourmembersor

m. managers(ifyouareajointventureorlimitedDamagespayableundertheMigrantand liabilitycompany)oryourtrustees(ifyouareSeasonalAgriculturalWorkerProtectionAct atrust); (29USCSections1801-1872)andunderany otherfederallawawardingdamagesforviola-

d.AnyobligationimposedbyaWorkersCom- tionofthoselawsorregulationsissuedthere- pensation,occupationaldisease,unemploy- under,andanyamendmentstothoselaws. mentcompensation,ordisabilitybenefitslaw, 5.SupplementaryPayments oranysimilarlaw;

e."Bodilyinjury"intentionallycausedoraggra-Wewillpaywithrespecttoanyclaimweinvestivatedbyyou; gateorsettle,orany"suit"againstaninsuredwe defend:

a.b. Reasonableexpensesincurredatourre-Coveragedoesnotapplyto"bodilyinjury" quest,butnotlossofearnings; thatoccurredbeforeyouacquiredorformed theorganization.

b.Premiumsforbondstoreleaseattachments andforappealbondsinbondamountsuptoNopersonororganizationisaninsuredwith thelimitofourliabilityunderthisinsurance; respecttotheconductofanycurrentorpastpartnership,jointventureorlimitedliabilitycompany

c.Litigationcoststaxedagainstyou; thatisnotshownasaNamedInsuredintheDec-

d.Interestonajudgmentasrequiredbylawun- larationsoftheCoverageParttowhichthisen- tilweoffertheamountdueunderthisinsur- dorsementisattached. ance;and

e.Expensesweincur.

SECTIONIll–LIMITSOFINSURANCE

1.TheLimitsofInsuranceshownintheSchedule ThesepaymentswillnotreducetheLimitsof aboveandthefollowingrulesfixthemostwewill Insurance. payregardlessofthenumberof:

SECTIONII–WHOISANINSURED

1.IfyouaredesignatedintheDeclarationsofthe

a.Insureds;

b.Claimsmadeor"suits"brought;or CoverageParttowhichthisendorsementisat-

c.Personsororganizationsmakingclaimsor tachedas: bringing"suits".

a.Anindividual,youandyourspouseareinsur-

2.TheBodilyInjurybyAccident–EachAccident eds,butonlywithrespecttotheconductofa limitisthemostwewillpayforalldamagesbe- businessofwhichyouarethesoleowner. causeof"bodilyinjury"tooneormore"employ-

b.Apartnershiporjointventure,youareanin- ees"inanyoneaccident.Adiseaseisnot"bodily sured.Yourmembers,yourpartners,and injury"byaccidentunlessitresultsdirectlyfrom theirspousesarealsoinsureds,butonlywith "bodilyinjury"byaccident. respecttotheconductofyourbusiness.

3.TheBodilyInjurybyDisease–Aggregatelimitis

c.Alimitedliabilitycompany,youareanin- themostwewillpayforalldamagesbecauseof sured.Yourmembersarealsoinsureds,but "bodilyinjury"bydisease,regardlessofthenum- onlywithrespecttotheconductofyourbusi- berof"employees"whosustain"bodilyinjury"by ness.Yourmanagersareinsureds,butonly disease; withrespecttotheirdutiesasyourmanagers.

4.TheBodilyInjurybyDisease–EachEmployee

d.Anorganizationotherthanapartnershipor limitisthemostwewillpayforalldamagesbe- jointventureorlimitedliabilitycompany,you causeof"bodilyinjury"bydiseasetoanyone areaninsured.Your"executiveofficers"and 3. "employee",subjecttoabove. directorsareinsureds,butonlywithrespect

3.4. Underpartsandabove,"bodilyinjury"bydistotheirdutiesasyourofficersordirectors.easedoesnotincludediseasethatresultsdirectly Yourstockholdersarealsoinsureds,butonlyfrom"bodilyinjury"byaccident. withrespecttotheirliabilityasstockholders.

Thelimitsofthisinsuranceapplyseparatelytoeach

e.Atrust,youareaninsured.Yourtrusteesareconsecutiveannualperiodandtoanyremaining alsoinsureds,butonlywithrespecttotheirperiodoflessthan12months,startingwiththebegindutiesastrustees. ningoftheendorsementperiod,unlesstheendorse-

2.Anyorganizationyounewlyacquireorform,othermentperiodisextendedafterissuanceforanaddithanapartnership,jointventureorlimitedliabilitytionalperiodoflessthan12months.Inthatcase,the company,andoverwhichyoumaintainownershipadditionalperiodwillbedeemedpartofthelast ormajorityinterest,willqualifyasaNamedIn-precedingperiodforpurposesofdeterminingthe suredifthereisnoothersimilarinsuranceavail-LimitsofInsurance. abletothatorganization.However:

a.Coverageunderthisprovisionisaffordedonly

SECTIONIV–DEFINITIONS

1."BodilyInjury"meansbodilyinjury,sicknessor untilthe90thdayafteryouacquireorform diseasesustainedbyaperson,includingdeath theorganization,ortheendoftheendorse- resultingfromanyoftheseatanytime. mentperiod,whicheverisearlier;

2.a. "Employee"includesa"leasedworker"."Em-Anarbitrationproceedinginwhichsuchdamployee"doesnotincludea"temporaryworker". agesareclaimedandtowhichyoumust submitordosubmitwithourconsent;or

3."Executiveofficer"meansapersonholdinganyof

b. theofficerpositionscreatedbyyourcharter,con-Anyotheralternativedisputeresolutionprostitution,by-lawsoranyothersimilargoverningceedinginwhichsuchdamagesareclaimed document.andtowhichyousubmitwithourconsent.

4.6. "Leasedworker"meansapersonleasedtoyou"Temporaryworker"meansapersonwhois byalaborleasingfirmunderanagreementbe-furnishedtoyoutosubstituteforapermanent tweenyouandthelaborleasingfirm,toperform"employee"onleaveortomeetseasonalorshorttermworkloadconditions. dutiesrelatedtotheconductofyourbusiness. "Leasedworker"doesnotincludea"temporary 7."WorkersCompensationLaws"meansthework- worker". ersorworkmen'scompensationlawandoccupa-

5."Suit"meansacivilproceedinginwhichdamagestionaldiseaselawofeachstateorterritory.Itinbecauseof"bodilyinjury"towhichthisinsurancecludesanyamendmentstothatlawwhicharein appliesarealleged."Suit"includes: effectduringtheendorsementperiod.Itdoesnot includetheprovisionsofanylawthatprovides non-occupationaldisabilitybenefits.

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

BUSINESS AUTO EXTENSION ENDORSEMENT

This endorsement modifies insurance provided under the following:

BUSINESS AUTO COVERAGE FORM

GENERAL DESCRIPTION OF COVERAGE This endorsement broadens coverage. However, coverage for any injury, damage or medical expenses described in any of the provisions of this endorsement may be excluded or limited by another endorsement to the Coverage Part, and these coverage broadening provisions do not apply to the extent that coverage is excluded or limited by such an endorsement. The following listing is a general coverage description only. Limitations and exclusions may apply to these coverages. Read all the provisions of this endorsement and the rest of your policy carefully to determine rights, duties, and what is and is not covered.

A. BROAD FORM NAMED INSURED USE INCREASED LIMIT

B. BLANKET ADDITIONAL INSURED

H. HIRED AUTO PHYSICAL DAMAGE LOSS OF

I. PHYSICAL DAMAGE TRANSPORTATION

C. EMPLOYEE HIRED AUTO EXPENSES INCREASED LIMIT

D. EMPLOYEES AS INSURED

J. PERSONAL PROPERTY

E. SUPPLEMENTARY PAYMENTS INCREASED K. AIRBAGS LIMITS

L. NOTICE AND KNOWLEDGE OF ACCIDENT OR

F. HIRED AUTO LIMITED WORLDWIDE COV- LOSS ERAGE INDEMNITY BASIS

G. WAIVER OF DEDUCTIBLE GLASS

PROVISIONS

M. BLANKET WAIVER OF SUBROGATION

N. UNINTENTIONAL ERRORS OR OMISSIONS

A. BROAD FORM NAMED INSURED person or organization qualifies as an "insured"

this insurance applies and only to the extent that

The following is added to Paragraph A.1., Who Is under the Who Is An Insured provision contained An Insured, of SECTION II COVERED AUTOS in Section II. LIABILITY COVERAGE:

Any organization you newly acquire or form dur-

C. EMPLOYEE HIRED AUTO

1. The following is added to Paragraph A.1., ing the policy period over which you maintain Who Is An Insured, of SECTION II COV- 50% or more ownership interest and that is not ERED AUTOS LIABILITY COVERAGE: separately insured for Business Auto Coverage.

An "employee" of yours is an "insured" while Coverage under this provision is afforded only unoperating an "auto" hired or rented under a til the 180th day after you acquire or form the orcontract or agreement in an "employee's" ganization or the end of the policy period, whichname, with your permission, while performing ever is earlier. duties related to the conduct of your busi-

BLANKET ADDITIONAL INSURED

The following is added to Paragraph c. in A.1.,

ness.

2. The following replaces Paragraph b. in B.5., Who Is An Insured, of SECTION II COVERED Other Insurance, of SECTION IV BUSINESS AUTO CONDITIONS: AUTOS LIABILITY COVERAGE:

b. For Hired Auto Physical Damage Cover-

Any person or organization who is required under age, the following are deemed to be cov- a written contract or agreement between you and ered "autos" you own: that person or organization, that is signed and

(1) Any covered "auto" you lease, hire, executed by you before the "bodily injury" or rent or borrow; and "property damage" occurs and that is in effect during the policy period, to be named as an addi-

(2) Any covered "auto" hired or rented by tional insured is an "insured" for Covered Autos your "employee" under a contract in Liability Coverage, but only for damages to which an "employee's" name, with your

permission, while performing duties

(a) With respect to any claim made or "suit" related to the conduct of your busi- brought outside the United States of America, the territories and possessions ness. of the United States of America, Puerto

However, any "auto" that is leased, hired, Rico and Canada: rented or borrowed with a driver is not a covered "auto".

D. EMPLOYEES AS INSURED

(i) You must arrange to defend the "insured" against, and investigate or set-

tle any such claim or "suit" and keep

The following is added to Paragraph A.1., Who Is us advised of all proceedings and acAn Insured, of SECTION II COVERED AUTOS tions. LIABILITY COVERAGE:

(ii) Neither you nor any other involved

Any "employee" of yours is an "insured" while us- "insured" will make any settlement ing a covered "auto" you don't own, hire or borrow without our consent. in your business or your personal affairs.

(iii) We may, at our discretion, participate

E. SUPPLEMENTARY PAYMENTS INCREASED in defending the "insured" against, or LIMITS in the settlement of, any claim or

1. The following replaces Paragraph A.2.a.(2), "suit". of SECTION II COVERED AUTOS LIABIL-

2. The following replaces Paragraph A.2.a.(4),

(iv) We will reimburse the "insured" for ITY COVERAGE: sums that the "insured" legally must (2) Up to $3,000 for cost of bail bonds (in- pay as damages because of "bodily cluding bonds for related traffic law viola- injury" or "property damage" to which tions) required because of an "accident" this insurance applies, that the "inwe cover. We do not have to furnish sured" pays with our consent, but only up to the limit described in Para- these bonds. graph C., Limits Of Insurance, of

SECTION II COVERED AUTOS of SECTION II COVERED AUTOS LIABILLIABILITY COVERAGE. ITY COVERAGE:

(v) We will reimburse the "insured" for (4) All reasonable expenses incurred by the the reasonable expenses incurred "insured" at our request, including actual with our consent for your investiga- loss of earnings up to $500 a day betion of such claims and your defense cause of time off from work. of the "insured" against any such

F. HIRED AUTO LIMITED WORLDWIDE COV- "suit", but only up to and included ERAGE INDEMNITY BASIS within the limit described in Para-

The following replaces Subparagraph (5) in Para- graph C., Limits Of Insurance, of graph B.7., Policy Period, Coverage Territory,

SECTION II COVERED AUTOS of SECTION IV BUSINESS AUTO CONDI- LIABILITY COVERAGE, and not in addition to such limit. Our duty to TIONS: make such payments ends when we (5) Anywhere in the world, except any country or have used up the applicable limit of jurisdiction while any trade sanction, eminsurance in payments for damages, bargo, or similar regulation imposed by the settlements or defense expenses. United States of America applies to and prohibits the transaction of business with or

(b) This insurance is excess over any valid within such country or jurisdiction, for Cov- and collectible other insurance available ered Autos Liability Coverage for any covered to the "insured" whether primary, excess, contingent or on any other basis. "auto" that you lease, hire, rent or borrow without a driver for a period of 30 days or less

(c) This insurance is not a substitute for reand that is not an "auto" you lease, hire, rent quired or compulsory insurance in any or borrow from any of your "employees", country outside the United States, its terpartners (if you are a partnership), members ritories and possessions, Puerto Rico and (if you are a limited liability company) or Canada. members of their households.

Page 2 of 4

(2) In or on your covered "auto". You agree to maintain all required or compulsory insurance in any such coun- This coverage applies only in the event of a total try up to the minimum limits required by theft of your covered "auto". local law. Your failure to comply with No deductibles apply to this Personal Property compulsory insurance requirements will coverage. not invalidate the coverage afforded by K. AIRBAGS this policy, but we will only be liable to the same extent we would have been liable

The following is added to Paragraph B.3., Excluhad you complied with the compulsory in- sions, of SECTION III PHYSICAL DAMAGE surance requirements. COVERAGE:

Exclusion 3.a. does not apply to "loss" to one or (d) It is understood that we are not an admitmore airbags in a covered "auto" you own that in- ted or authorized insurer outside the flate due to a cause other than a cause of "loss" United States of America, its territories set forth in Paragraphs A.1.b. and A.1.c., but and possessions, Puerto Rico and Canonly: ada. We assume no responsibility for the furnishing of certificates of insurance, or

a. If that "auto" is a covered "auto" for Comprefor compliance in any way with the laws hensive Coverage under this policy; of other countries relating to insurance.

G. WAIVER OF DEDUCTIBLE GLASS

b. The airbags are not covered under any warranty; and

c. The airbags were not intentionally inflated.

The following is added to Paragraph D., Deductible, of SECTION III PHYSICAL DAMAGE We will pay up to a maximum of $1,000 for any COVERAGE: one "loss".

No deductible for a covered "auto" will apply to

L. NOTICE AND KNOWLEDGE OF ACCIDENT OR glass damage if the glass is repaired rather than LOSS replaced.

The following is added to Paragraph A.2.a., of

H. HIRED AUTO PHYSICAL DAMAGE LOSS OF SECTION IV BUSINESS AUTO CONDITIONS: USE INCREASED LIMIT

Your duty to give us or our authorized representative prompt notice of the "accident" or "loss" ap-

The following replaces the last sentence of Paraplies only when the "accident" or "loss" is known graph A.4.b., Loss Of Use Expenses, of SECto: TION III PHYSICAL DAMAGE COVERAGE:

(a) You (if you are an individual); However, the most we will pay for any expenses for loss of use is $65 per day, to a maximum of

(b) A partner (if you are a partnership); $750 for any one "accident".

I. PHYSICAL DAMAGE TRANSPORTATION pany); EXPENSES INCREASED LIMIT

(d) An executive officer, director or insurance manager (if you are a corporation or other or-

The following replaces the first sentence in Paraganization); or graph A.4.a., Transportation Expenses, of SECTION III PHYSICAL DAMAGE COVER-

(e) Any "employee" authorized by you to give noAGE: tice of the "accident" or "loss".

We will pay up to $50 per day to a maximum of M. BLANKET WAIVER OF SUBROGATION

$1,500 for temporary transportation expense in-

J. PERSONAL PROPERTY

The following replaces Paragraph A.5., Transfer curred by you because of the total theft of a cov- Of Rights Of Recovery Against Others To Us, ered "auto" of the private passenger type. of SECTION IV BUSINESS AUTO CONDITIONS:

The following is added to Paragraph A.4., CoverOthers To Us age Extensions, of SECTION III PHYSICAL DAMAGE COVERAGE:

5. Transfer Of Rights Of Recovery Against

We waive any right of recovery we may have against any person or organization to the ex- Personal Property tent required of you by a written contract

We will pay up to $400 for "loss" to wearing ap- signed and executed prior to any "accident" parel and other personal property which is: or "loss", provided that the "accident" or "loss" arises out of operations contemplated by (1) Owned by an "insured"; and

such contract. The waiver applies only to the The unintentional omission of, or unintentional person or organization designated in such error in, any information given by you shall not contract. prejudice your rights under this insurance. How-

N. UNINTENTIONAL ERRORS OR OMISSIONS ever this provision does not affect our right to collect additional premium or exercise our right of The following is added to Paragraph B.2., Concancellation or non-renewal. cealment, Misrepresentation, Or Fraud, of SECTION IV BUSINESS AUTO CONDITIONS:

BUSINESSAUTOCOVERAGEFORM

Variousprovisionsinthispolicyrestrictcoverage. Readtheentirepolicycarefullytodeterminerights, dutiesandwhatisandisnotcovered.

Throughoutthispolicythewords"you"and"your"refertotheNamedInsuredshownintheDeclarations. Thewords"we","us"and"our"refertothecompany providingthisinsurance.

Otherwordsandphrasesthatappearinquotation markshavespecialmeaning.RefertoSectionV–Definitions.

SECTIONI–COVEREDAUTOS

ItemTwooftheDeclarationsshowsthe"autos"that arecovered"autos"foreachofyourcoverages.The followingnumericalsymbolsdescribethe"autos"that maybecovered"autos".Thesymbolsenterednextto acoverageontheDeclarationsdesignatetheonly "autos"thatarecovered"autos".

A.DescriptionOfCoveredAutoDesignation Symbols

Onlythose"autos"youown(andforCoveredAutosLiabilityCoverageany "trailers"youdon'townwhileattachedtopowerunitsyouown).Thisincludes those"autos"youacquireownershipofafterthepolicybegins.

Onlytheprivatepassenger"autos"youown.Thisincludesthoseprivate passenger"autos"youacquireownershipofafterthepolicybegins.

Onlythose"autos"youownthatarenotoftheprivatepassengertype(andfor CoveredAutosLiabilityCoverageany"trailers"youdon'townwhileattachedto powerunitsyouown).Thisincludesthose"autos"notoftheprivatepassenger typeyouacquireownershipofafterthepolicybegins.

Onlythose"autos"youownthatarerequiredtohaveno-faultbenefitsinthestate wheretheyarelicensedorprincipallygaraged.Thisincludesthose"autos"you acquireownershipofafterthepolicybeginsprovidedtheyarerequiredtohavenofaultbenefitsinthestatewheretheyarelicensedorprincipallygaraged.

Onlythose"autos"youownthatbecauseofthelawinthestatewheretheyare licensedorprincipallygaragedarerequiredtohaveandcannotrejectUninsured MotoristsCoverage.Thisincludesthose"autos"youacquireownershipofafterthe policybeginsprovidedtheyaresubjecttothesamestateuninsuredmotorists requirement.

Onlythose"autos"describedinItemThreeoftheDeclarationsforwhicha premiumchargeisshown(andforCoveredAutosLiabilityCoverageany"trailers" youdon'townwhileattachedtoanypowerunitdescribedinItemThree).

Onlythose"autos"youlease,hire,rentorborrow.Thisdoesnotincludeany"auto" youlease,hire,rentorborrowfromanyofyour"employees",partners(ifyouarea partnership),members(ifyouarealimitedliabilitycompany)ormembersoftheir households.

Onlythose"autos"youdonotown,lease,hire,rentorborrowthatareusedin connectionwithyourbusiness.Thisincludes"autos"ownedbyyour"employees", partners(ifyouareapartnership),members(ifyouarealimitedliabilitycompany) ormembersoftheirhouseholdsbutonlywhileusedinyourbusinessoryour personalaffairs.

19 MobileEquipmentSubjectTo CompulsoryOr Financial

Responsibility

OrOtherMotor VehicleInsuranceLawOnly

Onlythose"autos"thatarelandvehiclesandthatwouldqualifyunderthedefinition of"mobileequipment"underthispolicyiftheywerenotsubjecttoacompulsoryor financialresponsibilitylaworothermotorvehicleinsurancelawwheretheyare licensedorprincipallygaraged.

B.OwnedAutosYouAcquireAfterThePolicy Begins

1.IfSymbols1,2,3,4,5,6or19areentered nexttoacoverageinItemTwooftheDeclarations,thenyouhavecoveragefor"autos" thatyouacquireofthetypedescribedforthe remainderofthepolicyperiod.

2.But,ifSymbol7isenterednexttoacoverage inItemTwooftheDeclarations,an"auto"you acquirewillbeacovered"auto"forthatcoverageonlyif:

a.Wealreadycoverall"autos"thatyouown forthatcoverageoritreplacesan"auto" youpreviouslyownedthathadthatcoverage;and

b.Youtelluswithin30daysafteryouacquireitthatyouwantustocoveritforthat coverage.

C.CertainTrailers,MobileEquipmentAndTemporarySubstituteAutos

IfCoveredAutosLiabilityCoverageisprovidedby thisCoverageForm,thefollowingtypesofvehiclesarealsocovered"autos"forCoveredAutos LiabilityCoverage:

1."Trailers"withaloadcapacityof2,000 poundsorlessdesignedprimarilyfortravel onpublicroads.

2."Mobileequipment"whilebeingcarriedor towedbyacovered"auto".

3.Any"auto"youdonotownwhileusedwith thepermissionofitsownerasatemporary substituteforacovered"auto"youownthatis outofservicebecauseofits:

a.Breakdown;

b.Repair;

c.Servicing;

d."Loss";or

e.Destruction.

SECTIONII–COVEREDAUTOSLIABILITYCOVERAGE

A.Coverage

Wewillpayallsumsan"insured"legallymustpay asdamagesbecauseof"bodilyinjury"or"propertydamage"towhichthisinsuranceapplies, causedbyan"accident"andresultingfromthe ownership,maintenanceoruseofacovered "auto".

Wewillalsopayallsumsan"insured"legally mustpayasa"coveredpollutioncostorexpense" towhichthisinsuranceapplies,causedbyan "accident"andresultingfromtheownership, maintenanceoruseofcovered"autos".However, wewillonlypayforthe"coveredpollutioncostor expense"ifthereiseither"bodilyinjury"or"propertydamage"towhichthisinsuranceappliesthat iscausedbythesame"accident".

Wehavetherightanddutytodefendany"insured"againsta"suit"askingforsuchdamages ora"coveredpollutioncostorexpense".However,wehavenodutytodefendany"insured" againsta"suit"seekingdamagesfor"bodilyinjury"or"propertydamage"ora"coveredpollution costorexpense"towhichthisinsurancedoesnot apply.Wemayinvestigateandsettleanyclaimor "suit"asweconsiderappropriate.OurdutytodefendorsettleendswhentheCoveredAutosLiabilityCoverageLimitofInsurancehasbeenexhaustedbypaymentofjudgmentsorsettlements.

1.WhoIsAnInsured

Thefollowingare"insureds":

a.Youforanycovered"auto".

b.Anyoneelsewhileusingwithyourpermissionacovered"auto"youown,hireor borrowexcept:

(1)Theowneroranyoneelsefrom whomyouhireorborrowacovered "auto".

Thisexceptiondoesnotapplyifthe covered"auto"isa"trailer"connected toacovered"auto"youown.

(2)Your"employee"ifthecovered"auto" isownedbythat"employee"ora memberofhisorherhousehold.

(3)Someoneusingacovered"auto" whileheorsheisworkinginabusinessofselling,servicing,repairing, parkingorstoring"autos"unlessthat businessisyours.

(4)Anyoneotherthanyour"employees", partners(ifyouareapartnership), members(ifyouarealimitedliability company)oralesseeorborroweror anyoftheir"employees",whilemovingpropertytoorfromacovered "auto".

(5)Apartner(ifyouareapartnership)or amember(ifyouarealimitedliability company)foracovered"auto"owned byhimorheroramemberofhisor herhousehold.

c.Anyoneliablefortheconductofan"insured"describedabovebutonlytothe extentofthatliability.

2.CoverageExtensions

a.SupplementaryPayments

Wewillpayforthe"insured":

(1)Allexpensesweincur.

(2)Upto$2,000forcostofbailbonds (includingbondsforrelatedtrafficlaw violations)requiredbecauseofan "accident"wecover.Wedonothave tofurnishthesebonds.

(3)Thecostofbondstoreleaseattachmentsinany"suit"againstthe"insured"wedefend,butonlyforbond amountswithinourLimitofInsurance.

(4)Allreasonableexpensesincurredby the"insured"atourrequest,including actuallossofearningsupto$250a daybecauseoftimeofffromwork.

(5)Allcourtcoststaxedagainstthe"insured"inany"suit"againstthe"insured"wedefend.However,these paymentsdonotincludeattorneys'feesorattorneys'expenses taxedagainstthe"insured".

(6)Allinterestonthefullamountofany judgmentthataccruesafterentryof thejudgmentinany"suit"againstthe "insured"wedefend,butourdutyto

payinterestendswhenwehavepaid, offeredtopayordepositedincourt thepartofthejudgmentthatiswithin ourLimitofInsurance.

ThesepaymentswillnotreducetheLimit ofInsurance.

b.Out-of-stateCoverageExtensions

Whileacovered"auto"isawayfromthe statewhereitislicensed,wewill:

(1)IncreasetheLimitofInsurancefor CoveredAutosLiabilityCoverageto meetthelimitsspecifiedbyacompulsoryorfinancialresponsibilitylaw ofthejurisdictionwherethecovered "auto"isbeingused.Thisextension doesnotapplytothelimitorlimits specifiedbyanylawgoverningmotor carriersofpassengersorproperty.

(2)Providetheminimumamountsand typesofothercoverages,suchasnofault,requiredofout-of-statevehicles bythejurisdictionwherethecovered "auto"isbeingused.

Wewillnotpayanyonemorethanonce forthesameelementsoflossbecauseof theseextensions.

B.Exclusions

Thisinsurancedoesnotapplytoanyofthefollowing:

1.ExpectedOrIntendedInjury

"Bodilyinjury"or"propertydamage"expected orintendedfromthestandpointofthe"insured".

2.Contractual

Liabilityassumedunderanycontractor agreement.

Butthisexclusiondoesnotapplytoliability fordamages:

a.Assumedinacontractoragreementthat isan"insuredcontract",providedthe "bodilyinjury"or"propertydamage"occurssubsequenttotheexecutionofthe contractoragreement;or

b.Thatthe"insured"wouldhaveintheabsenceofthecontractoragreement.

3.Workers'Compensation

Anyobligationforwhichthe"insured"orthe "insured's"insurermaybeheldliableunder anyworkers'compensation,disabilitybenefits

orunemploymentcompensationlaworany similarlaw.

4.EmployeeIndemnificationAndEmployer's Liability

"Bodilyinjury"to:

a.An"employee"ofthe"insured"arisingout ofandinthecourseof:

(1)Employmentbythe"insured";or

(2)Performingthedutiesrelatedtothe conductofthe"insured's"business; or

b.Thespouse,child,parent,brotherorsisterofthat"employee"asaconsequence ofParagrapha.above.

Thisexclusionapplies:

(1)Whetherthe"insured"maybeliable asanemployerorinanyothercapacity;and

(2)Toanyobligationtosharedamages withorrepaysomeoneelsewho mustpaydamagesbecauseoftheinjury.

Butthisexclusiondoesnotapplyto"bodilyinjury"todomestic"employees"notentitledto workers'compensationbenefitsortoliability assumedbythe"insured"underan"insured contract".ForthepurposesoftheCoverage Form,adomestic"employee"isapersonengagedinhouseholdordomesticworkperformedprincipallyinconnectionwitharesidencepremises.

5.FellowEmployee "Bodilyinjury"to:

a.Anyfellow"employee"ofthe"insured" arisingoutofandinthecourseofthefellow"employee's"employmentorwhile performingdutiesrelatedtotheconduct ofyourbusiness;or

b.Thespouse,child,parent,brotherorsisterofthatfellow"employee"asaconsequenceofParagrapha.above.

6.Care,CustodyOrControl

"Propertydamage"toor"coveredpollution costorexpense"involvingpropertyownedor transportedbythe"insured"orinthe"insured's"care,custodyorcontrol.Butthisexclusiondoesnotapplytoliabilityassumed underasidetrackagreement.

7.HandlingOfProperty

"Bodilyinjury"or"propertydamage"resulting fromthehandlingofproperty:

a.Beforeitismovedfromtheplacewhereit isacceptedbythe"insured"formovementintoorontothecovered"auto";or

b.Afteritismovedfromthecovered"auto" totheplacewhereitisfinallydeliveredby the"insured".

8.MovementOfPropertyByMechanicalDevice

"Bodilyinjury"or"propertydamage"resulting fromthemovementofpropertybyamechanicaldevice(otherthanahandtruck) unlessthedeviceisattachedtothecovered "auto".

9.Operations

"Bodilyinjury"or"propertydamage"arising outoftheoperationof:

a.AnyequipmentlistedinParagraphs6.b. and6.c.ofthedefinitionof"mobile equipment";or

b.Machineryorequipmentthatison,attachedtoorpartofalandvehiclethat wouldqualifyunderthedefinitionof"mobileequipment"ifitwerenotsubjecttoa compulsoryorfinancialresponsibilitylaw orothermotorvehicleinsurancelaw whereitislicensedorprincipallygaraged.

10.CompletedOperations

"Bodilyinjury"or"propertydamage"arising outofyourworkafterthatworkhasbeen completedorabandoned.

Inthisexclusion,yourworkmeans:

a.Workoroperationsperformedbyyouor onyourbehalf;and

b.Materials,partsorequipmentfurnishedin connectionwithsuchworkoroperations.

Yourworkincludeswarrantiesorrepresentationsmadeatanytimewithrespecttothefitness,quality,durabilityorperformanceofany oftheitemsincludedinParagrapha.orb. above.

Yourworkwillbedeemedcompletedatthe earliestofthefollowingtimes:

(1)Whenalloftheworkcalledforinyour contracthasbeencompleted;

(2)Whenalloftheworktobedoneat thesitehasbeencompletedifyour

contractcallsforworkatmorethan onesite;or

(3)Whenthatpartoftheworkdoneata jobsitehasbeenputtoitsintended usebyanypersonororganization otherthananothercontractororsubcontractorworkingonthesameproject.

Workthatmayneedservice,maintenance, correction,repairorreplacement,butwhichis otherwisecomplete,willbetreatedascompleted.

11.Pollution

"Bodilyinjury"or"propertydamage"arising outoftheactual,allegedorthreateneddischarge,dispersal,seepage,migration,releaseorescapeof"pollutants":

a.Thatare,orthatarecontainedinany propertythatis:

(1)Beingtransportedortowedby,handledorhandledformovementinto, ontoorfromthecovered"auto";

(2)Otherwiseinthecourseoftransitby oronbehalfofthe"insured";or

(3)Beingstored,disposedof,treatedor processedinoruponthecovered "auto";

b.Beforethe"pollutants"oranypropertyin whichthe"pollutants"arecontainedare movedfromtheplacewheretheyareacceptedbythe"insured"formovementinto orontothecovered"auto";or

c.Afterthe"pollutants"oranypropertyin whichthe"pollutants"arecontainedare movedfromthecovered"auto"tothe placewheretheyarefinallydelivered, disposedoforabandonedbythe"insured".

Paragrapha.abovedoesnotapplytofuels, lubricants,fluids,exhaustgasesorothersimilar"pollutants"thatareneededfororresult fromthenormalelectrical,hydraulicormechanicalfunctioningofthecovered"auto"or itspartsif:

(1)The"pollutants"escape,seep,migrateoraredischarged,dispersedor releaseddirectlyfroman"auto"part designedbyitsmanufacturertohold, store,receiveordisposeofsuch"pollutants";and

(2)The"bodilyinjury","propertydamage"or"coveredpollutioncostorexpense"doesnotariseoutoftheoperationofanyequipmentlistedin Paragraphs6.b.and6.c.ofthedefinitionof"mobileequipment".

Paragraphsb.andc.aboveofthisexclusion donotapplyto"accidents"thatoccuraway frompremisesownedbyorrentedtoan"insured"withrespectto"pollutants"notinor uponacovered"auto"if:

(a)The"pollutants"oranyproperty inwhichthe"pollutants"arecontainedareupset,overturnedor damagedasaresultofthemaintenanceoruseofacovered "auto";and

(b)Thedischarge,dispersal,seepage,migration,releaseorescape ofthe"pollutants"iscauseddirectlybysuchupset,overturnor damage.

12.War

"Bodilyinjury"or"propertydamage"arising directlyorindirectlyoutof:

a.War,includingundeclaredorcivilwar;

b.Warlikeactionbyamilitaryforce,includingactioninhinderingordefending againstanactualorexpectedattack,by anygovernment,sovereignorotherauthorityusingmilitarypersonnelorother agents;or

c.Insurrection,rebellion,revolution, usurpedpoweroractiontakenbygovernmentalauthorityinhinderingordefendingagainstanyofthese.

13.Racing

Covered"autos"whileusedinanyprofessionalororganizedracingordemolitioncontestorstuntingactivity,orwhilepracticingfor suchcontestoractivity.Thisinsurancealso doesnotapplywhilethatcovered"auto"is beingpreparedforsuchacontestoractivity.

C.LimitOfInsurance

Regardlessofthenumberofcovered"autos", "insureds",premiumspaid,claimsmadeorvehiclesinvolvedinthe"accident",themostwewill payforthetotalofalldamagesand"coveredpollutioncostorexpense"combinedresultingfrom anyone"accident"istheLimitOfInsurancefor CoveredAutosLiabilityCoverageshowninthe Declarations.

All"bodilyinjury","propertydamage"and"coveredpollutioncostorexpense"resultingfrom continuousorrepeatedexposuretosubstantially thesameconditionswillbeconsideredasresultingfromone"accident".

Noonewillbeentitledtoreceiveduplicatepaymentsforthesameelementsof"loss"underthis CoverageFormandanyMedicalPaymentsCoverageendorsement,UninsuredMotoristsCoverageendorsementorUnderinsuredMotorists CoverageendorsementattachedtothisCoverage Part.

SECTIONIII–PHYSICALDAMAGECOVERAGE

A.Coverage

1.Wewillpayfor"loss"toacovered"auto"or itsequipmentunder:

a.ComprehensiveCoverage

Fromanycauseexcept:

(1)Thecovered"auto's"collisionwith anotherobject;or

(2)Thecovered"auto's"overturn.

b.SpecifiedCausesOfLossCoverage

Causedby:

(1)Fire,lightningorexplosion;

(2)Theft;

(3)Windstorm,hailorearthquake;

(4)Flood;

(5)Mischieforvandalism;or

(6)Thesinking,burning,collisionorderailmentofanyconveyancetransportingthecovered"auto".

c.CollisionCoverage

Causedby:

(1)Thecovered"auto's"collisionwith anotherobject;or

(2)Thecovered"auto's"overturn.

2.Towing

WewillpayuptothelimitshownintheDeclarationsfortowingandlaborcostsincurred eachtimeacovered"auto"oftheprivate passengertypeisdisabled.However,thelabormustbeperformedattheplaceofdisablement.

3.GlassBreakage–HittingABirdOrAnimal –FallingObjectsOrMissiles

IfyoucarryComprehensiveCoverageforthe damagedcovered"auto",wewillpayforthe followingunderComprehensiveCoverage:

a.Glassbreakage;

b."Loss"causedbyhittingabirdoranimal; and

c."Loss"causedbyfallingobjectsormissiles.

However,youhavetheoptionofhavingglass breakagecausedbyacovered"auto's"collisionoroverturnconsidereda"loss"under CollisionCoverage.

4.CoverageExtensions

a.TransportationExpenses

Wewillpayupto$20perday,toamaximumof$600,fortemporarytransportationexpenseincurredbyyoubecauseof thetotaltheftofacovered"auto"ofthe privatepassengertype.Wewillpayonly forthosecovered"autos"forwhichyou carryeitherComprehensiveorSpecified CausesOfLossCoverage.Wewillpay fortemporarytransportationexpensesincurredduringtheperiodbeginning48 hoursafterthetheftandending,regardlessofthepolicy'sexpiration,whenthe covered"auto"isreturnedtouseorwe payforits"loss".

b.LossOfUseExpenses

ForHiredAutoPhysicalDamage,wewill payexpensesforwhichan"insured"becomeslegallyresponsibletopayforloss ofuseofavehiclerentedorhiredwithout adriverunderawrittenrentalcontractor agreement.Wewillpayforlossofuse expensesifcausedby:

(1)OtherthancollisiononlyiftheDeclarationsindicatesthatComprehensive Coverageisprovidedforanycovered "auto";

(2)SpecifiedCausesOfLossonlyifthe DeclarationsindicatesthatSpecified CausesOfLossCoverageisprovidedforanycovered"auto";or

(3)CollisiononlyiftheDeclarationsindicatesthatCollisionCoverageisprovidedforanycovered"auto".

However,themostwewillpayforany expensesforlossofuseis$20perday, toamaximumof$600.

B.Exclusions

1.Wewillnotpayfor"loss"causedbyorresultingfromanyofthefollowing.Such"loss"is excludedregardlessofanyothercauseor

eventthatcontributesconcurrentlyorinany sequencetothe"loss".

a.NuclearHazard

(1)Theexplosionofanyweaponemployingatomicfissionorfusion;or

(2)Nuclearreactionorradiation,orradioactivecontamination,however caused.

b.WarOrMilitaryAction

(1)War,includingundeclaredorcivil war;

(2)Warlikeactionbyamilitaryforce,includingactioninhinderingordefendingagainstanactualorexpectedattack,byanygovernment,sovereign orotherauthorityusingmilitarypersonnelorotheragents;or

(3)Insurrection,rebellion,revolution, usurpedpoweroractiontakenby governmentalauthorityinhindering ordefendingagainstanyofthese.

2.Wewillnotpayfor"loss"toanycovered "auto"whileusedinanyprofessionalororganizedracingordemolitioncontestorstuntingactivity,orwhilepracticingforsuchcontestoractivity.Wewillalsonotpayfor"loss" toanycovered"auto"whilethatcovered "auto"isbeingpreparedforsuchacontestor activity.

3.Wewillnotpayfor"loss"dueandconfinedto:

a.Wearandtear,freezing,mechanicalor electricalbreakdown.

b.Blowouts,puncturesorotherroaddamagetotires.

Thisexclusiondoesnotapplytosuch"loss" resultingfromthetotaltheftofacovered "auto".

4.Wewillnotpayfor"loss"toanyofthefollowing:

a.Tapes,records,discsorothersimilaraudio,visualordataelectronicdevicesdesignedforusewithaudio,visualordata electronicequipment.

b.Anydevicedesignedorusedtodetect speed-measuringequipment,suchasradarorlaserdetectors,andanyjamming apparatusintendedtoeludeordisrupt speed-measuringequipment.

c.Anyelectronicequipment,withoutregard towhetherthisequipmentispermanently

installed,thatreproduces,receivesor transmitsaudio,visualordatasignals.

d.Anyaccessoriesusedwiththeelectronic equipmentdescribedinParagraphc. above.

5.Exclusions4.c.and4.d.donotapplyto equipmentdesignedtobeoperatedsolelyby useofthepowerfromthe"auto's"electrical systemthat,atthetimeof"loss",is:

a.Permanentlyinstalledinoruponthecovered"auto";

b.Removablefromahousingunitwhichis permanentlyinstalledinoruponthecovered"auto";

c.Anintegralpartofthesameunithousing anyelectronicequipmentdescribedin Paragraphsa.andb.above;or

d.Necessaryforthenormaloperationofthe covered"auto"orthemonitoringofthe covered"auto's"operatingsystem.

6.Wewillnotpayfor"loss"toacovered"auto" dueto"diminutioninvalue".

C.LimitsOfInsurance

1.Themostwewillpayfor:

a."Loss"toanyonecovered"auto"isthe lesserof:

(1)Theactualcashvalueofthedamagedorstolenpropertyasofthetime ofthe"loss";or

(2)Thecostofrepairingorreplacingthe damagedorstolenpropertywith otherpropertyoflikekindandquality.

b.Allelectronicequipmentthatreproduces, receivesortransmitsaudio,visualordata signalsinanyone"loss"is$1,000,if,at thetimeof"loss",suchelectronicequipmentis:

(1)Permanentlyinstalledinoruponthe covered"auto"inahousing,opening orotherlocationthatisnotnormally usedbythe"auto"manufacturerfor theinstallationofsuchequipment;

(2)Removablefromapermanentlyinstalledhousingunitasdescribedin Paragraphb.(1)above;or

(3)Anintegralpartofsuchequipmentas describedinParagraphsb.(1)and b.(2)above.

2.Anadjustmentfordepreciationandphysical conditionwillbemadeindeterminingactual cashvalueintheeventofatotal"loss".

3.Ifarepairorreplacementresultsinbetter thanlikekindorquality,wewillnotpayforthe amountofthebetterment.

D.Deductible

Foreachcovered"auto",ourobligationtopayfor, repair,returnorreplacedamagedorstolenpropertywillbereducedbytheapplicabledeductible shownintheDeclarations.AnyComprehensive CoveragedeductibleshownintheDeclarations doesnotapplyto"loss"causedbyfireorlightning.

SECTIONIV–BUSINESSAUTOCONDITIONS

Thefollowingconditionsapplyinadditiontothe CommonPolicyConditions:

A.LossConditions

1.AppraisalForPhysicalDamageLoss

Ifyouandwedisagreeontheamountof "loss",eithermaydemandanappraisalofthe "loss".Inthisevent,eachpartywillselecta competentappraiser.Thetwoappraiserswill selectacompetentandimpartialumpire.The appraiserswillstateseparatelytheactual cashvalueandamountof"loss".Iftheyfailto agree,theywillsubmittheirdifferencestothe umpire.Adecisionagreedtobyanytwowill bebinding.Eachpartywill:

a.Payitschosenappraiser;and

b.Beartheotherexpensesoftheappraisal andumpireequally.

Ifwesubmittoanappraisal,wewillstillretain ourrighttodenytheclaim.

2.DutiesInTheEventOfAccident,Claim, SuitOrLoss

Wehavenodutytoprovidecoverageunder thispolicyunlesstherehasbeenfullcompliancewiththefollowingduties:

a.Intheeventof"accident",claim,"suit"or "loss",youmustgiveusorourauthorized representativepromptnoticeofthe"accident"or"loss".Include:

(1)How,whenandwherethe"accident" or"loss"occurred;

(2)The"insured's"nameandaddress; and

(3)Totheextentpossible,thenames andaddressesofanyinjuredpersons andwitnesses.

b.Additionally,youandanyotherinvolved "insured"must:

(1)Assumenoobligation,makenopaymentorincurnoexpensewithoutour consent,exceptatthe"insured's" owncost.

(2)Immediatelysenduscopiesofany request,demand,order,notice, summonsorlegalpaperreceived concerningtheclaimor"suit".

(3)Cooperatewithusintheinvestigation orsettlementoftheclaimordefense againstthe"suit".

(4)Authorizeustoobtainmedicalrecordsorotherpertinentinformation.

(5)Submittoexamination,atourexpense,byphysiciansofourchoice, asoftenaswereasonablyrequire.

c.Ifthereis"loss"toacovered"auto"orits equipment,youmustalsodothefollowing:

(1)Promptlynotifythepoliceifthecovered"auto"oranyofitsequipmentis stolen.

(2)Takeallreasonablestepstoprotect thecovered"auto"fromfurtherdamage.Alsokeeparecordofyourexpensesforconsiderationinthesettlementoftheclaim.

(3)Permitustoinspectthecovered "auto"andrecordsprovingthe"loss" beforeitsrepairordisposition.

(4)Agreetoexaminationsunderoathat ourrequestandgiveusasigned statementofyouranswers.

3.LegalActionAgainstUs

Noonemaybringalegalactionagainstus underthisCoverageFormuntil:

a.Therehasbeenfullcompliancewithall thetermsofthisCoverageForm;and

b.UnderCoveredAutosLiabilityCoverage, weagreeinwritingthatthe"insured"has anobligationtopayoruntiltheamountof thatobligationhasfinallybeendeterminedbyjudgmentaftertrial.Noonehas therightunderthispolicytobringusinto anactiontodeterminethe"insured's"liability.

4.LossPayment–PhysicalDamageCoverages

Atouroption,wemay:

a.Payfor,repairorreplacedamagedorstolenproperty;

b.Returnthestolenproperty,atourexpense.Wewillpayforanydamagethat resultstothe"auto"fromthetheft;or

c.Takealloranypartofthedamagedor stolenpropertyatanagreedorappraised value.

Ifwepayforthe"loss",ourpaymentwillincludetheapplicablesalestaxforthedamagedorstolenproperty.

5.TransferOfRightsOfRecoveryAgainst OthersToUs

Ifanypersonororganizationtoorforwhom wemakepaymentunderthisCoverageForm hasrightstorecoverdamagesfromanother, thoserightsaretransferredtous.Thatperson ororganizationmustdoeverythingnecessary tosecureourrightsandmustdonothingafter "accident"or"loss"toimpairthem.

B.GeneralConditions

1.Bankruptcy

Bankruptcyorinsolvencyofthe"insured"or the"insured's"estatewillnotrelieveusofany obligationsunderthisCoverageForm.

2.Concealment,MisrepresentationOrFraud

ThisCoverageFormisvoidinanycaseof fraudbyyouatanytimeasitrelatestothis CoverageForm.Itisalsovoidifyouorany other"insured",atanytime,intentionallyconcealsormisrepresentsamaterialfactconcerning:

a.ThisCoverageForm;

b.Thecovered"auto";

c.Yourinterestinthecovered"auto";or

d.AclaimunderthisCoverageForm.

3.Liberalization

IfwerevisethisCoverageFormtoprovide morecoveragewithoutadditionalpremium charge,yourpolicywillautomaticallyprovide theadditionalcoverageasofthedaytherevisioniseffectiveinyourstate.

4.NoBenefitToBailee–PhysicalDamage Coverages

Wewillnotrecognizeanyassignmentor grantanycoverageforthebenefitofanyper-

sonororganizationholding,storingortransportingpropertyforafeeregardlessofany otherprovisionofthisCoverageForm.

5.OtherInsurance

a.Foranycovered"auto"youown,this CoverageFormprovidesprimaryinsurance.Foranycovered"auto"youdon't own,theinsuranceprovidedbythisCoverageFormisexcessoveranyothercollectibleinsurance.However,whileacovered"auto"whichisa"trailer"isconnectedtoanothervehicle,theCovered AutosLiabilityCoveragethisCoverage Formprovidesforthe"trailer"is:

(1)Excesswhileitisconnectedtoamotorvehicleyoudonotown;or

(2)Primarywhileitisconnectedtoa covered"auto"youown.

b.ForHiredAutoPhysicalDamageCoverage,anycovered"auto"youlease,hire, rentorborrowisdeemedtobeacovered "auto"youown.However,any"auto"that isleased,hired,rentedorborrowedwith adriverisnotacovered"auto".

c.RegardlessoftheprovisionsofParagrapha.above,thisCoverageForm's CoveredAutosLiabilityCoverageisprimaryforanyliabilityassumedunderan "insuredcontract".

d.WhenthisCoverageFormandanyother CoverageFormorpolicycoversonthe samebasis,eitherexcessorprimary,we willpayonlyourshare.Ourshareisthe proportionthattheLimitofInsuranceof ourCoverageFormbearstothetotalof thelimitsofalltheCoverageFormsand policiescoveringonthesamebasis.

6.PremiumAudit

a.TheestimatedpremiumforthisCoverage Formisbasedontheexposuresyoutold usyouwouldhavewhenthispolicybegan.Wewillcomputethefinalpremium duewhenwedetermineyouractualexposures.Theestimatedtotalpremiumwill becreditedagainstthefinalpremiumdue andthefirstNamedInsuredwillbebilled forthebalance,ifany.Theduedatefor thefinalpremiumorretrospectivepremiumisthedateshownastheduedate onthebill.Iftheestimatedtotalpremium exceedsthefinalpremiumdue,thefirst NamedInsuredwillgetarefund.

b.Ifthispolicyisissuedformorethanone year,thepremiumforthisCoverageForm willbecomputedannuallybasedonour ratesorpremiumsineffectatthebeginningofeachyearofthepolicy.

7.PolicyPeriod,CoverageTerritory

UnderthisCoverageForm,wecover"accidents"and"losses"occurring:

a.Duringthepolicyperiodshowninthe Declarations;and

b.Withinthecoverageterritory.

Thecoverageterritoryis:

(1)TheUnitedStatesofAmerica;

(2)Theterritoriesandpossessionsofthe UnitedStatesofAmerica;

(3)PuertoRico;

(4)Canada;and

(5)Anywhereintheworldifacovered "auto"oftheprivatepassengertype isleased,hired,rentedorborrowed withoutadriverforaperiodof30 daysorless, providedthatthe"insured's"responsibilityto paydamagesisdeterminedina"suit"onthe merits,intheUnitedStatesofAmerica,the territoriesandpossessionsoftheUnited StatesofAmerica,PuertoRicoorCanada,or inasettlementweagreeto.

Wealsocover"loss"to,or"accidents"involving,acovered"auto"whilebeingtransported betweenanyoftheseplaces.

8.TwoOrMoreCoverageFormsOrPolicies IssuedByUs

IfthisCoverageFormandanyotherCoverageFormorpolicyissuedtoyoubyusorany companyaffiliatedwithusappliestothe same"accident",theaggregatemaximum LimitofInsuranceunderalltheCoverage Formsorpoliciesshallnotexceedthehighest applicableLimitofInsuranceunderanyone CoverageFormorpolicy.Thisconditiondoes notapplytoanyCoverageFormorpolicyissuedbyusoranaffiliatedcompanyspecificallytoapplyasexcessinsuranceoverthis CoverageForm.

SECTIONV–DEFINITIONS

A."Accident"includescontinuousorrepeatedexposuretothesameconditionsresultingin"bodilyinjury"or"propertydamage".

B."Auto"means:

1.Alandmotorvehicle,"trailer"orsemitrailer designedfortravelonpublicroads;or

2.Anyotherlandvehiclethatissubjecttoa compulsoryorfinancialresponsibilitylawor othermotorvehicleinsurancelawwhereitis licensedorprincipallygaraged.

However,"auto"doesnotinclude"mobileequipment".

C."Bodilyinjury"meansbodilyinjury,sicknessor diseasesustainedbyaperson,includingdeath resultingfromanyofthese.

D."Coveredpollutioncostorexpense"meansany costorexpensearisingoutof:

1.Anyrequest,demand,orderorstatutoryor regulatoryrequirementthatany"insured"or otherstestfor,monitor,cleanup,remove, contain,treat,detoxifyorneutralize,orinany wayrespondto,orassesstheeffectsof,"pollutants";or

2.Anyclaimor"suit"byoronbehalfofagovernmentalauthorityfordamagesbecauseof testingfor,monitoring,cleaningup,removing, containing,treating,detoxifyingorneutralizing,orinanywayrespondingto,orassessing theeffectsof,"pollutants".

"Coveredpollutioncostorexpense"doesnotincludeanycostorexpensearisingoutoftheactual,allegedorthreateneddischarge,dispersal, seepage,migration,releaseorescapeof"pollutants":

a.Thatare,orthatarecontainedinany propertythatis:

(1)Beingtransportedortowedby,handledorhandledformovementinto, ontoorfromthecovered"auto";

(2)Otherwiseinthecourseoftransitby oronbehalfofthe"insured";or

(3)Beingstored,disposedof,treatedor processedinoruponthecovered "auto";

b.Beforethe"pollutants"oranypropertyin whichthe"pollutants"arecontainedare movedfromtheplacewheretheyareacceptedbythe"insured"formovementinto orontothecovered"auto";or

c.Afterthe"pollutants"oranypropertyin whichthe"pollutants"arecontainedare movedfromthecovered"auto"tothe placewheretheyarefinallydelivered, disposedoforabandonedbythe"insured".

(1)The"pollutants"escape,seep,migrateoraredischarged,dispersedor releaseddirectlyfroman"auto"part designedbyitsmanufacturertohold, store,receiveordisposeofsuch"pollutants";and

(2)The"bodilyinjury","propertydamage"or"coveredpollutioncostorexpense"doesnotariseoutoftheoperationofanyequipmentlistedin Paragraph6.b.or6.c.ofthedefinitionof"mobileequipment".

Paragraphsb.andc.abovedonotapplyto "accidents"thatoccurawayfrompremises ownedbyorrentedtoan"insured"withrespectto"pollutants"notinoruponacovered "auto"if:

(a)The"pollutants"oranyproperty inwhichthe"pollutants"arecontainedareupset,overturnedor damagedasaresultofthemaintenanceoruseofacovered "auto";and

(b)Thedischarge,dispersal,seepage,migration,releaseorescape ofthe"pollutants"iscauseddirectlybysuchupset,overturnor damage.

E."Diminutioninvalue"meanstheactualorperceivedlossinmarketvalueorresalevaluewhich resultsfromadirectandaccidental"loss".

F."Employee"includesa"leasedworker"."Employee"doesnotincludea"temporaryworker".

G."Insured"meansanypersonororganizationqualifyingasaninsuredintheWhoIsAnInsuredprovisionoftheapplicablecoverage.ExceptwithrespecttotheLimitofInsurance,thecoverageaffordedappliesseparatelytoeachinsuredwhois seekingcoverageoragainstwhomaclaimor "suit"isbrought.

H."Insuredcontract"means:

1.Aleaseofpremises;

2.Asidetrackagreement;

3.Anyeasementorlicenseagreement,except inconnectionwithconstructionordemolition operationsonorwithin50feetofarailroad;

4.Anobligation,asrequiredbyordinance,toindemnifyamunicipality,exceptinconnection withworkforamunicipality;

5.Thatpartofanyothercontractoragreement pertainingtoyourbusiness(includinganindemnificationofamunicipalityinconnection withworkperformedforamunicipality)under whichyouassumethetortliabilityofanother topayfor"bodilyinjury"or"propertydamage" toathirdpartyororganization.Tortliability meansaliabilitythatwouldbeimposedby lawintheabsenceofanycontractoragreement;or

6.Thatpartofanycontractoragreemententeredinto,aspartofyourbusiness,pertaining totherentalorlease,byyouoranyofyour "employees",ofany"auto".However,such contractoragreementshallnotbeconsidered an"insuredcontract"totheextentthatitobligatesyouoranyofyour"employees"topay for"propertydamage"toany"auto"rentedor leasedbyyouoranyofyour"employees".

An"insuredcontract"doesnotincludethatpartof anycontractoragreement:

a.Thatindemnifiesarailroadfor"bodilyinjury"or"propertydamage"arisingoutof constructionordemolitionoperations, within50feetofanyrailroadpropertyand affectinganyrailroadbridgeortrestle, tracks,roadbeds,tunnel,underpassor crossing;

b.Thatpertainstotheloan,leaseorrental ofan"auto"toyouoranyofyour"employees",ifthe"auto"isloaned,leasedor rentedwithadriver;or

c.Thatholdsapersonororganizationengagedinthebusinessoftransporting propertyby"auto"forhireharmlessfor youruseofacovered"auto"overaroute orterritorythatpersonororganizationis authorizedtoservebypublicauthority.

I."Leasedworker"meansapersonleasedtoyou byalaborleasingfirmunderanagreementbetweenyouandthelaborleasingfirmtoperform dutiesrelatedtotheconductofyourbusiness. "Leasedworker"doesnotincludea"temporary worker".

J."Loss"meansdirectandaccidentallossordamage.

K."Mobileequipment"meansanyofthefollowing typesoflandvehicles,includinganyattached machineryorequipment:

1.Bulldozers,farmmachinery,forkliftsandother vehiclesdesignedforuseprincipallyoffpublic roads;

2.Vehiclesmaintainedforusesolelyonornext topremisesyouownorrent;

3.Vehiclesthattraveloncrawlertreads;

4.Vehicles,whetherself-propelledornot,maintainedprimarilytoprovidemobilitytopermanentlymounted:

a.Powercranes,shovels,loaders,diggers ordrills;or

b.Roadconstructionorresurfacingequipmentsuchasgraders,scrapersorrollers;

5.VehiclesnotdescribedinParagraph1.,2.,3. or4.abovethatarenotself-propelledandare maintainedprimarilytoprovidemobilityto permanentlyattachedequipmentofthefollowingtypes:

a.Aircompressors,pumpsandgenerators, includingspraying,welding,building cleaning,geophysicalexploration,lighting andwell-servicingequipment;or

b.Cherrypickersandsimilardevicesused toraiseorlowerworkers;or

6.VehiclesnotdescribedinParagraph1.,2.,3. or4.abovemaintainedprimarilyforpurposes otherthanthetransportationofpersonsor cargo.However,self-propelledvehicleswith thefollowingtypesofpermanentlyattached equipmentarenot"mobileequipment"butwill beconsidered"autos":

a.Equipmentdesignedprimarilyfor:

(1)Snowremoval;

(2)Roadmaintenance,butnotconstructionorresurfacing;or

(3)Streetcleaning;

b.Cherrypickersandsimilardevices mountedonautomobileortruckchassis andusedtoraiseorlowerworkers;and

c.Aircompressors,pumpsandgenerators, includingspraying,welding,building cleaning,geophysicalexploration,lighting orwell-servicingequipment.

However,"mobileequipment"doesnotinclude landvehiclesthataresubjecttoacompulsoryor financialresponsibilitylaworothermotorvehicle insurancelawwhereitislicensedorprincipally garaged.Landvehiclessubjecttoacompulsory orfinancialresponsibilitylaworothermotorvehicleinsurancelawareconsidered"autos".

L."Pollutants"meansanysolid,liquid,gaseousor thermalirritantorcontaminant,includingsmoke, vapor,soot,fumes,acids,alkalis,chemicalsand waste.Wasteincludesmaterialstoberecycled, reconditionedorreclaimed.

M."Propertydamage"meansdamagetoorlossof useoftangibleproperty.

N."Suit"meansacivilproceedinginwhich:

1.Damagesbecauseof"bodilyinjury"or"propertydamage";or

2.A"coveredpollutioncostorexpense"; towhichthisinsuranceapplies,arealleged.

"Suit"includes:

a.Anarbitrationproceedinginwhichsuch damagesor"coveredpollutioncostsor expenses"areclaimedandtowhichthe "insured"mustsubmitordoessubmitwith ourconsent;or

b.Anyotheralternativedisputeresolution proceedinginwhichsuchdamagesor "coveredpollutioncostsorexpenses"are claimedandtowhichtheinsuredsubmits withourconsent.

O."Temporaryworker"meansapersonwhoisfurnishedtoyoutosubstituteforapermanent"employee"onleaveortomeetseasonalorshorttermworkloadconditions.

P."Trailer"includessemitrailer.

Thi e dorseme t m d fie i surance prov ded under he f l o ing:

s n n o i s n i t o l w

BUS NE S A TO OV RAGE F RM I S U C E O

P O ISION

2. R V S The fol o ing i added to Paragraph l w s B.5., Other In u ance s r of SE TION IV BU IN S AUT C S E S O

1. The fol owing is a ded to Pa agrap l d r h c. in A.1., COND T ON I I S: Wh Is An Insured o , of SE TION Il COVERED C

AU OS LIAB LIT CO E AGE T I Y V R : Re ardle s o the prov sions o pa ag aph g s f i f r r a. and pa ag aph r r d. of this part 5. O her Insurance t , this Thi i cludes any pe son or organization who yo s n r u i suran e i prim ry to and non-contri utory wit n c s a b h are requi ed under a writ en co tra t o r t n c r appl cable othe in urance under which an i r s ag ee ent, that is signed by y u be o e the r m o f r addi ional insured person o organiza ion is a t r t "bodi y inju y or "property dam ge o curs and l r " a " c name i sured when a writ en co tra t o d n t n c r that i i e fe t during the poli y period, to nam s n f c c e ag ee ent with you, tha i signed by you be ore r m t s f a an addit onal i sured fo Cov red Auto s i n r e s the "bodily inj ry or "property dama e" o curs u " g c Lia il ty Cov rage, but only fo dam ges to whi h b i e r a c and that i in e fe t duri g the poli y perio , s f c n c d th s insuran e applie and only to the ex ent o i c s t f re ui e thi insuran e to be prim ry and non- q r s s c a that person s or o ganiza io 's l abi i y fo the ' r t n i l t r contributory. conduct o anothe "in ured". f r s

DESIGNATED PROJECT(S) GENERAL AGGREGATE LIMIT

This endorsement i ies insurance pro ided under t fol mod f v he lowing:

COMMERC GENERAL L ITY VERA A IAL IABIL CO GE P RT

SCHEDULE

Designated Project

Any payments made under l ly obligated to pay as damages caused by "occur- for da or under for mages COVERAGE C. rences" under , and med e shall reduce the Desi COVERAGE A. (SECT I ION ) ical xpenses gfor al med e s caused by accidents un- nated Projec General Aggregate L m for l ical xpense t i it der , which can be that designated "project". Such payments COVERAGE C (SEC I I) T ON attr only to operations at a single desig- shall not reduce the General Aggregate Lim ibuted it nated "project shown in the Schedule abo e: " v shown in the Declarat nor shall they re- ions duce any other Designated Pro General ject

COVERAGE A. For al sums which the insured becomes legal

1. A separate Designated Project General Ag- Aggregate Li it fo any other designated m r gregate Li it app designated "pro- m lies to each "project" n in the dule abo e. show Sche v ject" and that l m is equal to the amount of , i it the General Aggregate Li t shown in the

The l m shown in the Declarations for mi i its 4. Each Declarat unless separate ions, Designated Occurrence, Damage T Premises Re o nted Project General Ag T Yo and Me Expe gregate(s) o u dical nse are sche continue to duled above apply. Howe instead o be subject to ver, f ing the General Aggregate Li t shown in the mi

2. The Designated Project General Aggregate Declarat such li its will be subject to the ions, m Li it is the most we will pay for the sum o al m f l applicab Designated Project General Ag- le damages under , except COVERAGE A. gregate Limit. damages because of "bodil in " or "prop- y jury erty damage inc in the "products- For al sums which the insured becomes legal " luded l ly B. comp operations hazard , and for med obligated to pay as damages caused by "occur- leted " ical expenses under , regar rences" under , and COVERAGE C

COVERAGE A. (SECT I d- ION ) less of the o number f: for al med e s caused by accidents un- l ical xpense der , which cannot COVERAGE C. (SEC ON I) TI a. Insureds; be attribu only to operations at a sing desi ted le g- b. Clai made or "suits" brought; or ms nated "project shown in the Schedule abo e: " v c. Persons or organizations m ing cla ms ak i or bringing "suits".

COVERAGE A. Any payments made under

v ded, any pa ments for da because of i y mages for da or under for "bodily injury or "property damage" inc in mages " luded

COVERAGE C. med e shall reduce the amount the "products-comp o erat hazard" will ical xpenses leted p ions a ilab under the General Aggregate Lim reduce the Products Comp Operat Ag- va le it - leted ions or the Products Completed Operat Ag- gregate Li t, and not reduce the General Aggre- - ions mi gregate Li it ver is applic b m , whiche a le; and gate Li it nor the Designated Pro General m ject Aggregate Limit.

2. Such payments shall not reduce any Designated Projec General Aggregate L m t i it

C. 2. SEC ION I LI T OF Part of T II MI S

INSURANCE

E. Defi i-

For the purposes of this endorsement the n tio Sectio ns n is amended by the addit of the ion

fo lowing def it l in ion: is deleted and rep fo laced by the llowing: "Projec " means an area away fro pre ises t m m

2. The General Aggregate Li i is the most we m t owned by or rented to you at which you are per- will for o : pay the sum f for ing oper t pursuant to a contract or m a ions

a. Coverage B Damages under ; and agreement. For the purposes of deter ing the min

b. Damages f m "occurrences" under applicab aggregate li t o insurance, each ro le mi f

COVERAGE A (SECT I) ION and for al "project" that includes prem in l i the l ises vo v ng med e caused by accidents same or connecting lots, or prem whose con- ical xpenses ises under which nection is interrupted only by a street, roadway,

COVERAGE C ( T I) SEC ION cannot be attr buted only to operat at waterway or right of way of a railroad shall be i ions -considered a single "project". a single designated "project" shown in the SCHEDULE abo e. v

F. SEC ION I LIM T OF The pro ons of visi T II I S

D. INSURANCE W co erage for liab li arising out o the not otherwise modi ied by this en- hen v i ty f f dorsement shall to apply continue as stipulated. "products-comple operations hazard is pro- ted "

BLANKET ADDITIONAL INSURED

(Incl des Products-Completed Operations If Required By Cont u ract)

Thi e dorseme t m d fie i surance prov ded under he f l o ing: s n n o i s n i t o l w

COMM RCI L G NERAL IAB LI Y COVERA E PART E A E L I T G

P O ISION R V S (1) Any "bodily injury", "property dam ge" o a r "pe sonal injury arising out o the prov di g, r " f i n

The fol owing i added to l s SE TI N II WHO IS AN C O or fa l re to prov de, any pro e sional i u i f s INSURED : arch te tural engineer ng o surv ying i c , i r e

Any person o o gan zat on that yo agree in a r r i i u se v ce , ncl ding: r i s i u writ en con ract or agreem nt to in lude a an t t e c s addi ional i sured o thi Cov rage Part i a t n n s e s n

(a) The preparin , approv ng, or fa li g to g i i n i sured, ut only n b : prepa e or approv , ma s, shop r e p drawi gs, opin on , reports, surv y , n i s e s a. Wi h re pe t to l abi ity fo "bodily injury o t s c i l r " r fi l orders or change orders, or the e d "prope ty dam ge that o curs, or fo "perso al r a " c r n

prepa i g, approv ng, or fa l n to r n i i i g i ju y ca sed by an o fe se that is comm tted n r " u f n i , prepa e or app ov , drawings and r r e subsequent to the signing of that contract or ag ee ent and while tha pa t o the contra t o r m t r f c r spe i i a io s; and c f c t n ag ee ent s in e fe t; and r m i f c

(b) Su erv so y, in pe t on, archi ect ral o p i r s c i t u r

b. If a d only to the ex ent that such injury o , n t , r engineerin a t v t e . g c i i i s dama e is ca sed by a ts o om ssio s o yo o g u c r i n f u r

(2) Any "bodi y inju y or "prope ty dam ge l r " r a " y ur subco tra tor in the perfo m nce o "y u o n c r a f o r caused by "y ur work an in luded in the o " d c work to which the wri ten cont a t or agreemen " t r c t "produ ts-com leted o erat on hazard c p p i s " appl e . Such person or organiza ion doe no i s t s t

un ess the wri ten cont a t o ag ee ent l t r c r r m qual fy a an ad itional in ured with re pect to i s d s s the independent a t o om ssions o such spe i i a ly requi es c s r i f c f c l r y u to prov de such o i pe son or organization r cov rage fo that addi ional in ured durin e r t s g the oli y pe iod. p c r

The i surance prov ded to such ad it onal insured is n i d i subje t o he o lo ing p ov sions: c t t f l w r i

c. The ad itional insured m st com ly with the d u p

a. If the Lim t o In uran e o thi Cov rage Part fo lowi g dutie i s f s c f s e l n s: shown in the De laratio s ex eed the m nim m c n c i u

(1) Giv us wri ten no i e as soon a pra tica le e t t c s c b l m t requi ed by the written co tra t o i i s r n c r

o an "o cur en e o an o fe se whi h m y f c r c " r f n c a ag ee ent, the i surance prov ded to the r m n i re ult i a clai To t e ex en possible such s n m h t t , addi ional insured wil be lim ted to such t l i no ice should in l de: t c u m nim m required lim ts. Fo the purpo e o i u i r s s f de erm nin whether thi lim tatio applie , the t i g s i n s

(a) How, when an where the "o cur en e d c r c " m nim m im t requi ed by the wri ten co tra t o i u l i s r t n c r or o fe se too pla e; f n k c ag ee ent will be co sidered to include the r m n

(b) The nam s and addre se o any inj red e s s f u m nim m lim ts o any Umb el a o Ex ess i u i f r l r c pe sons an witne s e ; and r d s s l ab l ty cov rage requi ed fo the addi ional i i i e r r t i sured by that writ en cont a t o agreem nt. n t r c r e

(c) The nature and lo ation o any inj ry o c f u r Thi prov sion will not increa e the lim t o s i s i s f dama e ari ing out o the "o cur en e g s f c r c " i suran e de cribed in Se tio n c s c n III Lim t Of i s or o fe se. f n Insurance.

b. The insurance prov ded to such addi ional i t the ad it onal nsured d i i : i sured does not ap ly o: n p t

(2) If a cla m is ma e or "sui " i brought agai st i d t s n

(a) Im e ia ely re ord the spe i i s o the m d t c c f c f

cla m or "sui " to any prov der i " d c e i t i o othe f r

(4) Te der the de ense and i dem i y o any n f n n t f cla m or "suit an the date re eiv d; and

(b) No i y us a soo a practi able and see t f s n s c

i suran e which woul cov r such addi ional n c d e t

i sured fo a lo s we cov r. Howev r, this n r s e e to it that we re eiv wri ten noti e o the c e t c f

condi ion doe not a f ct whethe the t s f e r cla m or "suit a soon a pra ti able i " s s c c

i suran e prov ded to such addi io al n c i t n

(3) Im e ia ely send us cop es o all legal m d t i f i sured i prima y to ot er insurance n s r h pape s receiv d in conne t on with the clai r e c i m

av ila le to such addi ional insured whi h a b t c or "sui ", coopera e wit us in the t t h

cov r that person or organi ation a a e s z s i v stigat on o se tlem nt o the claim o n e i r t e f r

name i sured a de cribed i Paragraph d n s s n 4. , de e se against the "sui ", and o herwise f n t t

Ot e In uran e o Se tion h r s c , f c IV Com e cial m r com ly wit all pol cy o ditio s. p h i c n n

Ge eral Liabil ty ondit on n i C i s

XTEND ENDORSEMENT FOR CONTRACTORS

Thi e dorseme t m d fie i surance prov ded under he f l o ing: s n n o i s n i t o l w COMM RCI L G NERAL IAB LI Y COVERAG PA T E A E L I T E R

GE ERAL D SCRIP ION O CO ERAGE N E T F V Thi endorsem nt broadens cov rage. Howev r cov rage fo any s e e e , e r i ju y, dama e o me i al ex ense descri ed in any o the prov n r g r d c p s b f i ion o th s e dorseme t may b s s f i n n e ex luded or c l m ted by anothe endorsem n to this Cov rage Pa t, and the e c i i r e t e r s ov rage broadening prov sions do no ap ly to e i t p the ex en tha cov rage is ex l ded or lim ted by such an en t t t e c u i dorsem n The fo lo ing li ti g i a g e t l w s n s eneral cov rage de cript on only Read al the prov sions o thi endors e s i l i f s em nt and the re t o y ur pol cy ca e ull e s f o i r f y to de erm ne r gh s, dut es, and wha i and s not cov red.

t i i t i t s i e

A. Wh I An Insured Unnam d Subsid arie o s e i s

B. Bla ket Addit onal Insured Gov rnme tal n i e n

C. In i ental Med cal Mal racti e c d i p c

D. Bla ket Wa v r f Sub ogation n i e O r En it e Pe m t Or Au ho iza ions Re ati g To t i s r i s t r t l n

E. Co tra tua Liab l ty Rai road n c l i i l s Ope atio s r n

F. Da a e To Prem se Ren ed o You m g i s t T

P O ISION

A. WH IS AN INSU ED UNNAMED O R

a. R V S An o ganizat on o he than a pa tnership, jo nt r i t r r i v nture or l m ted liab l ty company; or e i i i i

b. A trust; SUBSIDIARIES

The fol owing is ad ed to l d SE TION II WHO IS C a indi a ed in i s nam o the docum n s tha s c t t e r e t t AN INSURED : gov rn it stru ture. e s c

Any o yo r sub idiar e , o her than a pa tnershi , f u s i s t r p B B ANKET ADD TIONA INSURED . L I L jo n v nture o lim ted liabil ty com any, that i i t e r i i p s GO E N ENT L EN IT ES P RMIT O V R M A T I E S R no shown as a Nam d Insured in the t e AU H R ZA I N R L TI G T O E AT O S T

De la ation i a am d In ured f: c r s s N e s i

a. Yo are the so e owner o , o ma ntai an u l f r i n

The fol owing is ad ed to l d SE TION II WHO IS C

AN INSURED : ownership intere t o mo e than 50% in, such s f r

Any gov r men al enti y tha ha issued a perm t e n t t t s i subsidia y on the fi st day o the pol cy perio ; r r f i d or authoriza ion wit re pe t to ope ations t h s c r and pe fo med by yo or on your behal and that you r r u f b. Su h subsidiary i not an in ured unde c s s r are required by any o dinance, law, buil ing code r d si ila o her n urance. m r t i s or written cont act or agreeme t to incl de a an r n u s

No such subsidiary i a insured fo "bodily inju y s n r r " addi ional i sured on thi Cov rage Pa t is a t n s e r n or "property dama e" tha o curred, o "perso al i sured, but only wi h re p g t c r n n t s e t to liabi i y fo "bodily c l t r i ju y", "prope ty dam ge" or "perso al and n r r a n and a v rt sing i ju y" caused by an o fe se d e i n r f n adv rti ing inj ry" ari ing ou o uch operatio s. e s u s t f s n com i ted: m t

a. Be o e you ma ntai ed an ownership intere t f r i n s en ity doe not apply o: t s t o mo e than 50% i such ub idiary; or f r n s s

The in uran e prov ded to such gov r men al s c i e n t

a. Any "bodi y inju y , "property dama e o l r " g " r

b. Af e the date, i any duri g the poli y perio t r f , n c d "pe sonal and adv rti ing injury" a i ing o t o r e s r s u f that yo no longer ma ntain a ownershi u i n p operatio s perfo m d fo the gov r men al n r e r e n t i tere t o ore han 50% n such subsi ia y. n s f m t i d r en ity or t ; Fo purpose o Pa agraph r s f r 1. o Se tion f c II Who

b. Any "bodily inj ry or "property dam ge u " a "

Is An Insured, ea h such subsidiary wil be c l i clu ed in the "products-co ple ed n d m t deem d to e de ignated in the Declarat on a : e b s i s s operatio s hazard". n

3 16 02 9 D 1

C. IN IDEN AL ED CAL ALPRACTI E C T M I M C

1. The fo lo i g repla e Pa agraph l w n c s r b. o the f de i i ion o "o cur en e in the f n t f c r c "

D FIN TION E I S Section:

b. An a t o om ssio com i ted i prov din c r i n m t n i g

pharma eut cal co m t ed by o wi h the c i s m i t , r t

k owledge o co sent o , the n ured n r n f i s .

5. The fol owing i a ded to the l s d D FIN TION E I S

Se tio : c n

"In i ental m d cal se v ce " m a s: c d e i r i s e n or fa l ng to prov de "incidental me ica i i i d l

a. Med cal surgi al dental laborato y, x ray i , c , , rse v ce ", fi st a d o "Good Sam r tan r i s r i r a i or nur ing se v ce or treatm n , adv ce o s r i e t i r se v ce " to a person, unle s yo are i r i s s u n

i struction o the related fur i hi g o n , r n s n f the busine s or o cupat on o prov din s c i f i g

fo d or bev rages; or o e pro e sional hea th a e se v ce . f s l c r r i s

2. The fo lowi g rep a es the la t paragraph o l n l c s f m d cal dental o surgi al supplie o e i , , r c s r Pa ag aph r r 2.a.(1) of SECTI N II WHO IS O

AN INSURED :

b. The furni hing o di pensing o dru s o s r s f g r

appl a ce i n s

6. The fol o ing i added to Parag aph l w s r 4.b. , Unle s yo a e in the business or o cupatio s u r c n

Ex ess In urance c s , of SE TION IV C o prov di g pro e sional healt ca e se v ce , f i n f s h r r i s Pa ag aphs r r (1) a) ( , (b) , (c) and (d) abov do e

CO MERCIAL GENE AL LIABI IT M R L Y

COND T ON I I S not apply to : "bodily injury" arising out of prov din o ai ing o rov de: i g r f l t p i

Thi i surance i ex e s ov r any v li an s n s c s e a d d (a) "In i ental me ica se v ce " by any o c d d l r i s f

col e ti le othe in urance whether prim ry, l c b r s , a y ur "em loyee " who is a nu se, nurse o p s r ex e s, conti gent o on any other ba is, that c s n r s a sistant, em rgen y me i al techni ia s e c d c c n

i av ilab e to any o your "em loy es" fo s a l f p e r or arame ic; or p d "bo ily injury that ari e ou o prov ding o d " s s t f i r

fa l n to prov de "i cidental medi al serv ce " i i g i n c i s

(b) F rst ai or "Good Sama itan se v ce " by i d r r i s a y o y u "em loyee " o " to any perso to the ex ent not n f o r p s r n t subje t to c volunteer

Pa ag aph r r 2.a.(1) o Se t on f c i II Who Is An workers", other than an employed or v lunteer do tor. Any such "em loyee " o c p s

Insured. or "v lu teer wo kers" prov ding o fa l ng o n r i r i i D B ANKET WAIVER O SUB O ATION . L F R G to prov de fi st aid or "Good Sama i an i r r t

The fo lowing is a ded to Paragraph l d 8. , Transfer se v ce " during thei work hou s fo you r i s r r r

O Righ s O Reco ery Agai st O hers To Us f t f v n t , wil be deem d to be a t ng wi hin the l e c i t of SE TION IV CO MERCIAL GENERAL C M sco e o thei em loym nt by yo o p f r p e u r pe fo m n dutie rela ed to the co du t r r i g s t n c L ABI I Y CO D T ON I L T N I I S : o yo r busine s. f u s

If the insured has a ree in a cont act o g d r r

3. The fo lo i g repla e the la t se tence o l w n c s s n f ag ee ent to waiv that i sured' righ o r m e n s t f Pa ag aph r r 5. of SE TION III LIMITS O C F re ov ry against any person o o gan zat on, we c e r r i i

INSU AN E R C : waiv our right o e ov ry again t uch pe son o e f r c e s s r r organi ation, but only fo pay ents we ma e z r m k Fo the purpo e o dete m nin the r s s f r i g be ause o : c f appl cable Ea h Occurrence Lim t, al related i c i l a t or om ssions com i ted i prov di g o c s i m t n i n r a. "Bo ily i ju y" o "property dam ge" that d n r r a fa l n to prov de "inci ental me ica i i g i d d l o curs; o c r se v ce ", fi st a d o "Good Sam r tan r i s r i r a i

b. "Pe so al and adv rti ing inj ry" ca sed by r n e s u u se v ce " to any one perso wil be deeme to r i s n l d an o fe se hat i com it ed f n t s m t ; be one "occurrence".

4. The fo lowi g ex lu ion i added to subsequent to the ex cution o the l n c s s e f cont a t o r c r Pa ag aph r r 2. , Exclusions , of SE TION I C ag ee ent. r m CO ERAGES CO ERAGE A BODI Y V V L

E. CON RACTUAL IABILIT RAIL OAD T L Y R S

INJU Y AND P OP RT DAMAGE R R E Y

L ABI I Y I L T :

1. The fol o ing repla e Pa agraph l w c s r c. o the f de i i ion o "insured cont act" i the f n t f r n Sa e O Ph rmaceu icals l f a t D FIN TION E I S Section: "Bo ily inju y or "property dama e" ari ing d r " g s ou o the v ola ion o a penal stat te o t f i t f u r

c. Any ea em nt or l cense agreem nt; s e i e ordi ance rela i g to the sale o n t n f

2. Pa ag aph r r f.(1) o the de init o o "i sured f f i n f n a. Any prem se whi e rented to yo o i s l u r cont a t i the r c " n D FIN TION E I S Se tion is tem ora i y o cupied by you wi h pe m ssion c p r l c t r i de eted. o he owne ; or l f t r

F DAMAGE TO P EMISE EN ED TO YOU b . R S R T . The co tent o any premi e whi e such n s f s s l prem se i rented to yo , i y u rent such i s s u f o The fol owing repla e the de i ition o "prem se l c s f n f i s prem se fo a period o sev n or fewe i s r f e r dama e in he g " t DEF NIT ONS I I Se tion c : conse utiv day c e s "Pre i e dama e m a s "property dama e" to: m s s g " e n g

3 16 02 9 D 1

COMMERCIA GENERA LIA ILITY COVERA E FORM L L B G

Va i u pro i i n in thi po i y re tri t co e a e Re d

r o s v s o s s l c s c v r g a

(1) The "bo i y in ur " o "pro e ty da a e i d l j y r p r m g " s th e t re po i y ca e ul y to de e m n ri ht , dut e a d

ca se by

e n i l c r f l t r i e g s i s n u d a "o cur e ce th t n c r n " a t k s pl ce a e a wha s a d s no co e e . i he "co e a e t rri o y ; t i n i t v r d n t v r g e t r "

Thro g o t th s po i y th wo ds "y u a d "y ur" re e u h u i l c e r o " n o f r

(2) The "bo i y in u y o "pro e ty da a e d l j r " r p r m g " to th Na e Insure sho n i the De l ra i ns, a d

o cur d ri g e m d d w n c a t o n

a y o he pe so o o g n z t o qua i y ng a a Na e n t r r n r r a i a i n l f i s m d

In ure und r thi po i y The wo ds "we , "us" a d s d e s l c . r " n

c s u n t e p l cy pe i d; a d h o i r o n

(3) Pri r to th po i y pe i d, no in ure l ste o e l c r o s d i d

un e Pa a ra h d r r g p 1. o Se t o f c i n II Who Is "o r re e o t e co pa y p o i i g hi i sura ce u " f r t h m n r v d n t s n n

An In ure a d no "e pl y e a t o i e s d n m o e " u h r z d

The wo d "i sure " m a s a y pe so o o ga i a i n by y u to r n d e n n r n r r n z t o o gi e o re e v no i e o v r c i e t c f an

qu l fy ng a such unde Se t o a i i s r c i n II Who Is An "o curre ce o cl i kn w tha the "bo i y c n " r a m e t d l

I sure i j r " o "pro e ty da a e ha o cur e , n d n u y r p r m g " d c r d

Ot e wo ds a d phr se tha a p a in quo a i n h r r n a s t p e r t t o

i who e o in pa t If such a li te i sure n l r r s d n d

o a t o i e "e pl y e k e , pri r to the r u h r z d m o e " n w o m rk ha e spe i l m a i g. Re e to Se ti n a s v c a e n n f r c o V

po i y pe i d th t the "bo i y i j ry o l c r o , a d l n u " r

De i i i ns. f n t o "pro e ty da a e o cur e , th n a y p r m g " c r d e n

SE TI N I CO ERA E C O V G S

CO ERA E A B D L IN U Y A D P O E TY V G O I Y J R N R P R

D MAGE L A I IT A I B L Y

1. I su i g A reem n n r n g e t

a. We wi l pa th se sum tha th i sure l y o s t e n d

b co e le a l o l ga e to pa a da a e e m s g l y b i t d y s m g s

b ca se o "bo i y i j ry o "pro e ty da a e e u f d l n u " r p r m g "

to whi h th s in ura ce a p i s. We wi l ha e c i s n p l e l v

co ti u t o , cha g o re um ti n o such n n a i n n e r s p o f

"bo i y in ur " o "pro e ty da a e du i g d l j y r p r m g " r n

o a t r th po i y pe i d wi l be de m d to r f e e l c r o l e e

ha e be n no n pri r t h p l cy pe i d v e k w o o t e o i r o

c. "Bo i y i j ry o "pro e ty da a e whi h d l n u " r p r m g " c

o cur duri g th po i y pe i d a d wa no , c s n e l c r o n s t

pri r to the po i y pe i d kn w to ha e o l c r o , o n v

o curre by a y i sure l ste n e a a ra h

c d n n d i d u d r P r g p

1. o Se t o f c i n II Who Is An Insure o a y d r n th rig t a d du y to de e d the i sure a a nst e h n t f n n d g i

"e pl y e a t o i e by y u to gi e o re e v m o e " u h r z d o v r c i e a y "sui " se k n th se da a e . Ho e e , n t e i g o m g s w v r

no i e o a "o cur e ce o cl i , n l d s a y t c f n c r n " r a m i c u e n we wi l ha e no dut to de e d the i sure l v y f n n d

co ti u t o , cha g o re um t o o tha n n a i n n e r s p i n f t a a nst a y "sui " se k n da a e fo "bo i y g i n t e i g m g s r d l

"bo i y i j ry o "pro e ty da a e a t r th d l n u " r p r m g " f e e i j ry o "pro e ty da a e to whi h thi n u " r p r m g " c s

e d f he po i y p ri d. n o t l c e o i sura ce do s no a p y We m y a o r n n e t p l a , t u

di cre i n, in e t ga e a y " wi l be s t o v s i t n l o cur e ce c r n " d.

se t e a y cl i r "sui " th t a e ul Bu : t l n a m o t a m y r s t t

"Bo i y i j ry o "pro e ty da a e d l n u " r p r m g " and

(1) The a o n we wil pa fo da a e is m u t l y r m g s

de m d to ha e be n kn wn to ha e o curr d e e v e o v c e

a the e rl e t ti e whe a y in ure l ste t a i s m n n s d i d

un e Pa a ra h d r r g p 1. o Se ti n f c o II Who Is An l m te a de cri e i Se t o i i d s s b d n c i n III Li i s m t

Of I sur n e nd n a c ; a

(2) Our right and duty to defend end when we ha e use up th a p i a l li i o v d e p l c b e m t f

In ure o a y "e pl y e a t o i e by y u to s d r n m o e " u h r z d o

gi e o re e v no i e o a "o cur e ce o v r c i e t c f n c r n " r

cl i : a m

(1) Re o t a l o a y pa t o the "bo i y p r s l , r n r , f d l i sur n e i the pa m nt o j d m n s o n a c n y e f u g e t r

i j ry o "pro e ty da a e to us o a y n u " r p r m g " r n se tl m n s und r Co e a e t e e t e v r g s A or B or o h r i sure ; t e n r m d ca x e se un e o e a e e i l e p n s d r C v r g C .

No o he o l g t o o l a i i y to pa sum o t r b i a i n r i b l t y s r

(2) Re e v s a wri t n o v rb l de a d o c i e t e r e a m n r

cl i fo da a e be a se o the "bo i y a m r m g s c u f d l pe f r a t o se v ce i co e e unl ss r o m c s r r i s s v r d e i j ry o "pro e t a a e ; r n u " r p r y d m g " o e pl ci l pro i e fo und r Sup l m n a y x i t y v d d r e p e e t r

(3) Payments. Be o e a a e by a y o he m a s tha c m s w r n t r e n t "bo i y in ur " o "pro e ty da a e ha d l j y r p r m g " s

b. Thi in ura ce a p i s to "bo i y i j ry a d s s n p l e d l n u " n

o curre o a be un t ccur c d r h s g o o "pro e ty d m ge o l f p r a a " n y i :

e. Da a e be a se o "bo i y i j ry i cl de

m g s c u f d l n u " n u

(3) An sta u e o di a ce o e u a i n e a i g y t t , r n n r r g l t o r l t n da a e cla m d by a y pe so r rga i a i n to the sa e gi t, di m g s i e n r n o o n z t o l , f str bu i n o us i t o r e of fo ca e l ss o se v ce o de th re ul i g a a co o i r r , o f r i s r a s t n t l h l c e e a e b v r g s

a y t m ro he "bo i y i j r ". n i e f m t d l n u y

Thi e cl sio a p i s o l i y u a e in the s x u n p l e n y f o r

2. Ex l si n c u o s bu i e s o m n f ct r ng di tri u i g se l n , s n s f a u a u i , s b t n , l i g

Thi i sura ce d e no p l o s n n o s t a p y t :

a. Ex ec ed O I te d d I j ry p t r n n e n u

"Bo i y i j ry o "pro e ty d m ge e pe te o

se v ng o furn shi g a co o i be e a e F r r i r i n l h l c v r g s o

th pur o e o thi e cl sio , pe m t i g a e p s s f s x u n r i t n

pe so to bri g a co o i be e a e o y ur r n n l h l c v r g s n o

pre i e , fo co sum ti

d l n u " r p r a a " x c d r m s s r n p o o y u pre n n o r m se , i s

i t nd d fro th sta d o n o th i sure

whe he o no n e e m e n p i t f e n d

t r r t a fe is cha g d o a li e se e r e r c n is

Thi e cl sio do s no a pl to "bo i y in u y re u re fo such s x u n e t p y d l j r " q i d r a ti i y is no by it e f c v t , t s l

o "pro e ty da a e re ul i g fro the use o

co si e e th bu i r p r m g " s t n m f n d r d e s ne s o se l n , s s f l i g e v n o r i g r

re so a l f rce t p o e t pe so s o p o e t . fu ni hi g l o o i a n b e o o r t c r n r r p r y r s n a c h l c be e a e . v r g s

b Co trac u l L ab l t d Wo ke s' Co p n a i n An i il r L w n t a i i i y r r m e s t o d S m a a s

"Bo i y i j ry o "pro e ty da a e fo whi h

d l n u " r p r m g " r c y b i a i n f i sure un e a n d d r wo k r ' r e s

th i sure is o l ga e to pa da a e by

An o l g t o o the

co p nsa i n di a i e n d b i t d y m g s m e t o , s b l t be e i s or i y n f t

re so o th a sum t o o l a i i y i a un m l y e t co pe a n f e s p i n f i b l t n e p o m n m n a i n l w o a s t o a r n sim l r y i a

co tr ct o a r e e t. Thi e cl sio do s no l w. n a r g e m n s x u n e t a

a pl o l a i i y f r a a e : p y t i b l t o d m g s

e. Em l yer's i b l t p o L a i i y

(1) Tha t e i sure o l a e i t e a se ce t h n d w u d h v n h b n "Bo i y i j r " to d l n u y : o h co t a t o gr e e t; o f t e n r c r a e m n r

(2) Assum d in a co tr ct o a re m nt th t i e n a r g e e a s

(1) An "e pl y e o the i sure a i in o t o m o e " f n d r s g u f

a d n th co r e o : n i e u s f a "i sure co t a t , pro i e th t th n n d n r c " v d d a e

"bo i y in u y o "pro e ty da a e o cur d l j r " r p r m g " c s

subse u n to t e e e ut o o t e co t a t q e t h x c i n f h n r c

(a) Em l y e t y th i sure ; o p o m n b e n d r

(b) Pe f r i g dut e re a e to the r o m n i s l t d

o a r e e t. So e y fo th purp se o co du t f he i sure 's r g e m n l l r e o s f n c o t n d b sin ss; o u e r

l a i i y a sum d in a "i sure co t a t", i b l t s e n n d n r c

re so a l a t rne s' fe s a d ne e sa y a n b e t o y e n c s r

l t g ti n e p nse i curr d by o f r a ty i i a o x e s n e r o a p r

(2) The spo se chi d pa e t bro h r o siste u , l , r n , t e r r

o tha "e pl y e a a co se ue ce o f t m o e " s n q n f

Pa a r p r g a h (1) a o e b v o h r th n a i sure wi l be de m d to be t e a n n d l e e

Thi e cl si n a pl e whe he th in ure m y s x u o p i s t r e s d a da a e be a se o "bo i y i j ry o m g s c u f d l n u " r

be l a l s a e p o e r n ny o he a a i y i b e a n m l y r o i a t r c p c t "pro e ty d m g ", ro i e th t p r a a e p v d d a :

(a)

Li b l t to such pa ty fo , o fo the a i i y r r r r

a d t a y o l ga i n to sha e da a e wi h o n o n b i t o r m g s t r

re a so e ne e se who m st pa da a e p y m o l u y m g s co t o , th t pa t ' de e se ha a so s f a r y s f n s l

be a se o he i j r c u f t n u y be n a sum d in the sa e "i sure e s e m n d

Thi e cl si n do s no a p y to l a i i y s x u o e t p l i b l t co tr ct"; nd n a a

(b) Su h a t r e s' fe s a d l t g t o c t o n y e n i i a i n

e pe se a e fo de e se o th t pa t x n s r r f n f a r y

a sum d by the i sure un e a "i sure s e n d d r n n d

co tr ct n a "

f. P l u i n o l t o a a nst a ci i o a t rn t v di put g i v l r l e a i e s e

(1) "Bo i y in u y o "pro e ty da a e a i i g d l j r " r p r m g " r s n re o ut o pro e d ng in whi h s l i n c e i c

o t o the a t a , a l g d o th e te e u f c u l l e e r r a n d da a e to whi h th s in ura ce m g s c i s n

di cha ge di pe sa , se p g , m gr t o , s r , s r l e a e i a i n a pl e a e a l ge p i s r l e d

c. L q o i b l t i u r L a i i y

"Bo i y i j ry o "pr p rt da a e fo whi h d l n u " r o e y m g " r c

re e se o e ca e o "po l t n s": l a r s p f l u a t

(a) At o fro a y pre i e , sit o r m n m s s e r

l ca i n whi h i o wa a a y ti e o t o c s r s t n m a y i sure a e h l i b e b e so o : n n d m y b e d l a l y r a n f

(1) Ca si g o co t i ut n to the i t x ca i n u n r n r b i g n o i t o

o ne o o cupi d by o re t d o w d r c e , r n e r

l a e to a y i sure . Ho e e , th s o n d , n n d w v r i o n e so ; f a y p r n subp ra ra h o s n t pp y t : a g p d e o a l o

(2) The furn shi g o a co o i be e a e to a i n f l h l c v r g s

(i) "Bo i y in u y i susta n d wit i a d l j r " f i e h n pe so und r the l g l dri k ng a e o r n e e a n i g r

bu l i g a d ca se by sm k , i d n n u d o e u de he i f u n e o l o o ; o n r t n l e c f a c h l r

fu e , v po o so t pro uce by m s a r r o d d o o i i a i g fro e u pm n th t r r g n t n m q i e t a

i use to he t co l o de u i i y

th bu l i g o pro u e by o

to pe f rm th no m l e e tri

s d a , o r h m d f r o e r a l c cal,

hy ra l c o m cha i a fun ti n e i d n , r d c d r d u i r e n c l c o s

o i i a i g fro e u pm n tha is r g n t n m q i e t t

use to he t wa e fo pe so a d a t r r r n l

use by th bui di g s o cup n s o e l n ' c a t r

th i u sts; e r g e

ne e sa y fo th o e a i n o c s r r e p r t o f

"m bi e e ui m n " o it pa t , if o l q p e t r s r s

such fue s, l b i a t o o h r l u r c n s r t e

o e a i g fl i s e ca e fro a p r t n u d s p m

v hi l pa t de i n d to ho d, sto e e c e r s g e l r (ii) "Bo i y i j ry o "pro e ty d l n u " r p r

da a e fo whi h y u m y be m g " r c o a

he d li b e if y u a e a co tr ct r l a l , o r n a o

a d the o ne o le se o such n w r r s e f

o re e v the Thi e ce ti n r c i e m s x p o

do s no a pl if the "bo i y i j ry e t p y d l n u "

o "pro e ty da a e a i e o t o r p r m g " r s s u f

th in e ti n l di cha ge di pe sa e t n o a s r , s r l pre i e , sit o l ca i n ha be n m s s e r o t o s e

o r l a e o the fue s, l b i a t r e e s f l u r c n s a de to y ur po i y a a d d o l c s n

o o h r o e a i g fl i s, o i such r t e p r t n u d r f additional insured with respect to

y ur o g i g o e a i ns pe fo m d

fu l , lu ri a t o o he o o n o n p r t o r r e e s b c n s r t r p r t n e a i g

fo th t a d t o a i sure a tha fl i s a e bro gh o o r a d i i n l n d t t u d r u t n r to the pre i e , sit o l ca i n a d such m s s e r o t o n pre i e , sit o l ca i n wit the m s s e r o t o h pre i e , sit o l ca i n is no m s s e r o t o t

a d ne e wa o n d o o cupi d n v r s w e r c e

i t nt th t th y be di cha g d, n e a e s r e

di pe se o re e se a pa t o s r d r l a d s r f

by o re te o l a e to a y , r n d r o n d , n th o e a i n be ng pe fo m d by e p r t o s i r r e

i sure , o he tha tha a d t o a n d t r n t d i i n l

such in ure , co t a to or s d n r c r

i sure ; o n d r subco t a to ; n r c r

(iii) "Bo i y i j ry o "pro e ty d l n u " r p r

da a e a i i g o t o he t, m g " r s n u f a

sm k o fu e fro a "ho ti e o e r m s m s l

fi e ; r "

(b) At o fro a y pre i e , sit o r m n m s s e r

l ca i n whi h i o wa a a y ti e o t o c s r s t n m

use by o fo a y i sure o o h rs f r d r r n n d r t e o

(ii) "Bo i y inj ry o "pro e ty d l u " r p r

da a e susta n d wit i a m g " i e h n

bu l i g a d ca se by th re e se i d n n u d e l a

o ga e , fum s o v po s fro f s s e r a r m

m te i l bro g t in o th t bu l i g a r a s u h t a i d n

i o n cti n wi h pe a i ns be n n c n e o t o r t o i g

pe f r e by y u o o y u e a f r o m d o r n o r b h l

th ha dl ng sto a e dispo a , e n i , r g , s l by a co tr ct r r subco t a to ; o n a o o n r c r r

pro e sin r re tm n o w ste c s g o t a e t f a ;

(iii) "Bo i y inj ry o "pro e ty d l u " r p r (c) If such "po l t n s" a e o we e a a y l u a t r r r t n

da a e a i i g o t o he t m g " r s n u f a , ti e tra spo t d, ha d e , sto e , m n r e n l d r d

sm k o fu e fro a "ho ti e o e r m s m s l tr a e , di po e o , o pro e se a e t d s s d f r c s d s

fi e ; r r " o wa te by o o : s r f r

(i) An nsure ; o y i d r

(e) At o fro a y pre i e , sit o r m n m s s e r

l ca i n o whi h a y in ure o a y o t o n c n s d r n (ii) An pe so o o g n z t o fo y r n r r a i a i n r

co tr ct rs o subco t a t r wo k ng n a o r n r c o s r i who y u m y be le a l m o a g l y

di e t y o i di e t y o a y i sure ' r c l r n r c l n n n d s re po si l ; s n b e

be a f a e o we e a a y ti e h l r r r t n m

(d) At o fro a y pre i e , sit o r m n m s s e r pe fo m ng o e a i n to te t fo , r r i p r t o s s r

l ca i n o whi h a y in ure o a y o t o n c n s d r n m ni o , cl a up, re o e co t i , o t r e n m v , n a n co tr ct rs o subco t a t r wo k ng n a o r n r c o s r i tr a , de o i y o ne tr l z , o in a y e t t x f r u a i e r n di e t y o i di e t y o a y i sure 's r c l r n r c l n n n d wa re po d to o a se s th e fe ts y s n , r s s e f c be a f a e pe fo m ng o e a i n if the h l r r r i p r t o s o , "po l t n s". f l u a t "po l t n s" a e bro gh o o to the l u a t r u t n r

(2) An l ss, co t o e p n e a i in o t o y o s r x e s r s g u f pre i e , si e o l ca i n i co n ct o m s s t r o t o n n e i n any: wi h such o e a i n by such in ure , t p r t o s s d co tr ct r o sub o tr ct r. Ho e e , n a o r c n a o w v r (a) Re ue t, de a d o de o sta ut ry o q s m n , r r r t o r th s subp ra ra h o s n t pp y t : i a g p d e o a l o re u a o y re ui e e t t a a y in ure g l t r q r m n h t n s d (i) "Bo i y inj ry o "pro e ty d l u " r p r o o he s te t fo , m ni o , cle n up, r t r s r o t r a

da a e a i i g o t o the e ca e m g " r s n u f s p r m v , co t i , tre t de o i y o e o e n a n a , t x f r

o fue s, lub i a t o ot e f l r c n s r h r

o e a i g fl i s whi h a e ne d d p r t n u d c r e e

ne t a i e o in a y wa re po d to o u r l z , r n y s n , r

a se s t e e fe t o , "po l t n s"; r s s h f c s f l u a t o

(b) Cl i o sui by o o be a f o a y a m r t r n h l f n

(b) The o e a i n o a y o the m chi e y p r t o f n f a n r

go e nm n a a t o i y o a y o he o e ui m n l ste in Pa a

v r e t l u h r t r n t r r q p e t i d r graph f.(2)

pe so o o ga i a i n b ca se o o r n r r n z t o e u f r f.(3) o the de i i i n o "m bi e f f n t o f o l

te ti g fo , m n t r ng cl a i g up, e ui m n "; r s n r o i o i , e n n q p e t o

re o i g, con a ni g, tre t ng m v n t i n a i ,

d to i y ng o ne t a i i g, o i a y e x f i r u r l z n r n n

wa re po di g to o a se sin the y s n n , r s s g

e fe t o , "po l t n s". f c s f l u a t

g Ai craft u o O at rcra t

(6) An a r ra t t a s: i c f h t i

(a) Cha t re i h a pi o o a y i sure ; r e d w t l t t n n d

(b) No w e y a y i sure ; a d t o n d b n n d n

"Bo i y in u y o "pro e t da a e a i i g o t d l j r " r p r y m g " r s n u

pro e ty f r ha g p r o a c r e

o th o n r hi , m i t na ce use or f e w e s p a n e n , h Mob l q ip e t . i e E u m n

e tr stm nt to o he s o a y a r ra t "a t " o n u e t r f n i c f , u o r

"Bo i y in u y o "pro e ty da a e a i i g o t d l j r " r p r m g " r s n u

w te cra t o n d o o e a e by o re t d o a r f w e r p r t d r n e r of:

l a e to a y in ure Use in l d s o e a i n o n d n s d c u e p r t o

a d "l a i g r n o d n ". n o d n o u l a i g by a "a t " o ne o o e a e by o n u o w d r p r t d r

(1) The tra spo t t o o "m bi e e u pm n " n r a i n f o l q i e t

Thi e cl si n a p i s e e if the cla m s x u o p l e v n i s re t d r l a e o a y i sure ; o n e o o n d t n n d r

a a nst a y i sure a l g ne l g nce o o h r g i n n d l e e g i e r t e

(2) The use o "m bi e e ui m nt i , o whi e f o l q p e " n r l wro g o n i th supe v sio , hir ng n d i g n e r i n i , i pra ti e fo , o whi e be ng pre a e fo , n c c r r l i p r d r

th t in ure , if th "o cur e ce whi h ca se a s d e c r n " c u d

e pl y e t tr i i g o m ni o i g o o he s by m o m n , a n n r o t r n f t r a y pre rr n e ra i g, spe d, de o i i n, n a a g d c n e m l t o

o stun i g a t v ty r t n c i i . th "bo i y i j ry o "pro e ty d m ge i v l e e d l n u " r p r a a " n o v d

th o ne shi , m i t na ce use o e w r p a n e n , r i. War

e t ust e t to o he s o a y a r ra t "a t " o n r m n t r f n i c f , u o r

"Bo i y in u y o "pro e ty da a e a i i g o t d l j r " r p r m g " r s n u

wa e cra t tha is o ne o o e a e by o t r f t w d r p r t d r of:

re t d r o n d o a y i sure n e o l a e t n n d

Thi e cl sio o s no a pl t : s x u n d e t p y o

(1) Wa , i cl di g u d cl r d o ci i a ; r n u n n e a e r v l w r

(2) Wa l k a t o by a m l ta y fo ce in l d ng r i e c i n i i r r , c u i

(1) A wa e cra t whi e a ho e o pre i e y u t r f l s r n m s s o a t o i hi d ri g o de e d ng a a n t a c i n n n e n r f n i g i s n

o n r e t w o r n ;

a t a o e pe t d a t ck by a y c u l r x c e t a , n

(2) A a e cra t y u o n t o n ha s: go e n e t so e e gn o w t r f o d o w t t i v r m n , v r i r o he a t o i t r u h r ty

(a) 50 fe t o g o l ss; nd e l n r e a

usin i i a y pe so n l o t e ge t ; o g m l t r r n e r o h r a n s r

(3) In urr ct o , re e l o , re o ut o , usurp d s e i n b l i n v l i n e (b) No be n use to ca r a y pe so o t i g d r y n r n r

po e , o a ti n ta e by go e n e t l w r r c o k n v r m n a pro e ty f r ha g ; p r o a c r e

a t o i y in hi d ri g o de e d ng a a nst u h r t n e n r f n i g i

(3) Pa k n a "a t " o , o o the wa s ne t r i g n u o n r n y x a y o he e n f t s to pre i e y u o n o re t, pro i e the , m s s o w r n v d d

j. D m g o P o erty a a e T r p "a t " i no o n d by o re t d o l a e u o s t w e r n e r o n d to y u r he i sure ; "Pro e ty d m ge to o o t n d p r a a " : (4) Li b l t a sum d unde a y "i sure a i i y s e r n n d (1) Pro e ty y u o n, re t, o o cup , p r o w n r c y co tr ct fo he o ne shi , m i t na ce o i cl di g a y co ts o e n a " r t w r p a n e n r n u n n s r x e se i cu re p n s n r d

use o a r ra t o a e cra t by y u, o a y o he pe so , o g ni a i f i c f r w t r f ; o r n t r r n r a z t o o n r

e t t , fo re a r, re l ce e t n i y r p i p a m n , (5) "Bo i y in u y o "pro e ty da a e a i i g d l j r " r p r m g " r s n e ha ce e t, re to a i n o m i t na ce n n m n s r t o r a n e n o t o : u f o such pro e t fo a y re so , in l d ng f p r y r n a n c u i (a) The op ra i n o m chi e y or e t o f a n r pre e ti n o i j ry to a pe so o da a e v n o f n u r n r m g e ui m n th t i a t ch d to o pa t q p e t a s t a e , r r to a o he 's p o e t ; n t r r p r y o , a la d v hi l th t wo l qua i y a f n e c e a u d l f s

(2) Pre i e y u sel , gi e a a o a a d n if m s s o l v w y r b n o , "m bi e e u pm n " un e th d fi i i n o l q i e t d r e e n t o th "pro e ty da a e a i e o t o a y e p r m g " r s s u f n o "m bi e e ui m nt i such la d f o l q p e " f n pa t o h se pr m se ; r f t o e i s v hi l we e no subj ct to a e c e r t e

co p l o y o fi a ci l re po si i i y m u s r r n n a s n b l t

l w, o o he m t r v h cl in ura ce a r t r o o e i e s n

l w, whe e i is li e se o pri ci a l a r t c n d r n p l y

(3) Pro e ty l a e o y u; p r o n d t o

(4) Pe so a pro e t i th ca e custo y o r n l p r y n e r , d r

co tr l o t e i sure ; n o f h n d ga a e ; r r g d o

(5) Tha pa t cul r pa t o re l pro e t o a ci e t l phy ica in u y

t r i a r f a p r y n

c d n a s l j r to "y ur pro u t" o d c or whi h y u o a y co tr ct rs o "y ur wo k a t r it ha be n put c o r n n a o r

subco t a t r wo k n di e t y o i d re tl

o r " f e s e to it in e de s t n d

use n r c o s r i g r c l r n i c y .

o y u be a f a e pe f rm n o e a i ns, if

n o r h l r r o i g p r t o

th "pro e ty da a e a i e o t o tho e e p r m g " r s s u f s

o e a i n ; r p r t o s o

n Rec l O ro u ts W rk r mp i ed . a l f P d c , o O I a r

P o erty r p

Da a e cl i e fo a y l ss, co t o e pe se m g s a m d r n o s r x n

(6) Tha pa ti ul r pa t o a y pro e t tha t r c a r f n p r y t i cu re by y u o o h r fo th l ss o use n r d o r t e s r e o f ,

m st be re to e , re a re o re l ce u s r d p i d r p a d wi hd a a , re a l i spe t o , re a r t r w l c l , n c i n p i ,

b ca se "y ur wo k wa i co re t y e u o r " s n r c l

re l ce e t a j stm nt re o a o di po a p a m n , d u e , m v l r s s l

pe fo m d o i r r e n t of:

(1) "Y u ro uct"; o r p d Pa a r p s r g a h (1) , (3) and (4) o th s e cl si n do f i x u o

no a p y to "pre i e da a e A se a a e

t p l m s s m g " p r t

l m t o i sura ce a p i s to "pre i e da a e i i f n n p l e m s s m g "

(2) "Y u o k ; r o r w r " o

(3) "Im a re p o e t "; p i d r p r y a de crib d in Pa a r p s s e r g a h 6. o Se ti n f c o III

Li i s O nsura ce m t f I n

Pa a ra h r g p (2) o h s e cl sio o s no a pl i f t i x u n d e t p y f

i such pro u t, wo k o pro e t is wit dra n f d c r , r p r y h w

o re a l d fro th m rk t o fro use by a y r c l e m e a e r m n

pe so o o g n z t o be a se o a k o n o r n r r a i a i n c u f n w r th pre i e a e "y ur wo k a d we e ne e e m s s r o r " n r v r

o cup e , re t d r e d fo e t l by y u

c i d n e o h l r r n a o .

Pa a r p s r g a h (3) , (4) , (5) and (6) o th s f i

e cl sio do no a pl to li b l t a sum d x u n t p y a i i y s e

suspe te de e t de i i ncy in de u cy o c d f c , f c e , a q a r

da g ro s co di i n i t n e u n t o n i

o P rso a n d erti i g I ju y e n l A d A v s n n r

"Bo i y in u y a i i g o t o "pe so a a d d l j r " r s n u f r n l n un e sid tr ck a re m nt d r a e a g e e

Pa a ra h r g p (6) o th s e cl sio do s no a pl f i x u n e t p y

a v rt si g i j ry . d e i n n u "

p El c ro i a a . e t n c D t to "pro e ty da a e i cl de in th "pro uct - p r m g " n u d e d s

co p e e p ra i n h z r ". m l t d o e t o s a a d

"Pro e ty da a e to "y ur pr d ct a i i g o t p r m g " o o u " r s n u

o t o ny p rt o i . f i r a a f t

l. D m g o Yo r Wo k a a e T u r

Da a e a i i g o t o th lo s o , lo s o use

m g s r s n u f e s f s f

o , da a e to co ru t o o , i a i i y to a ce s, f m g , r p i n f n b l t c s k. D m g o Yo r P o u t a a e T u r d c

o i a i i y t a i u a e "e e t o i d t ". r n b l t o m n p l t l c r n c a a

Ho e e , thi e cl si n do s no a p y to w v r s x u o e t p l

l a i i y fo a a e b ca se o "bo i y i j r ". i b l t r d m g s e u f d l n u y

"Pro e ty d " p r q U so i i e o m n ca i n . n l c t d C m u i t o a a e to y ur wo k a i i g o t o m g " o r " r s n u f

i o a y pa t o it a d i cl d d i he "pro uct - t r n r f n n u e n t d s

co p e e p ra i n h z r ". m l t d o e t o s a a d

Thi e cl si n do s no a pl if th da a e s x u o e t p y e m g d

"Bo i y in u y o "pro e ty da a e a i i g o t d l j r " r p r m g " r s n u

o a y a tu l o a l g d v o a i n o a y l w tha f n c a r l e e i l t o f n a t

re tri ts o pro i i s the se d ng tr n m t i g s c r h b t n i , a s i t n wo k o th wo k o t o whi h th da a e r r e r u f c e m g

a i e wa pe fo m d o y ur be a f by a r s s s r r e n o h l

o d stri ut n f "un o i i e co m ni a i n". r i b i g o s l c t d m u c t o

r. Acc s O Di c o u e O Con id n i l O e s r s l s r f f e t a r subco tr cto n a r

m. D m g o I p i ed P o erty O P o erty a a e T m a r r p r r p

N t h sic l y In u ed o P y a l j r

"Pro e ty da a e to "i p i e pro e t " o p r m g " m a r d p r y r

pro e ty th t ha no be n ph si a l in u e , p r a s t e y c l y j r d

P rso a n o m ti n e n l I f r a o

"Bo i y in u y o "pro e ty da a e a i i g o t d l j r " r p r m g " r s n u

o a y a ce s to o di cl sure o a y pe so ' f n c s r s o f n r n s

o o g ni a i n' co f de ti l or pe so a r r a z t o s n i n a r n l

i f rm t o . n o a i n a i i g o t o : r s n u f

(1) A de e t de i i n y in d qu cy or f c , f c e c , a e a

s. Asb st s e o

(1) "Bo i y in u y o "pro e ty da a e a i i g d l j r " r p r m g " r s n da g ro s co di i n in "y ur pro uct o n e u n t o o d " r

o t o th a t a o a l g d pre e ce o u f e c u l r l e e s n r "y ur o k ; r o w r " o

a t a , a l ge o th e t ne di pe sa o c u l l e d r r a e d s r l f (2) A de a o fa l r by y u o a y n a t ng l y r i u e o r n o e c i

a be to , a be to fi e s o pro u ts s s s s s s b r r d c o y ur be a f to pe fo m a co t a t o n o h l r r n r c r

co ta n n a be to , pro i e th t the n i i g s s s v d d a a re m nt i cco d nce w t t t rm g e e n a r a i h i s e s

Thi e cl si n do s no a pl to the l ss o se s x u o e t p y o f u

"bo i y i j ry o "pro e ty da a e i d l n u " r p r m g " s

ca se o co t i ut d to by the ha a d us u d r n r b e z r o o o h r pro e t a i in o t o sudd n a d f t e p r y r s g u f e n

pro e ti s o sbe to p r e f a s s

(2) "Bo i y in u y o "pro e ty da a e a i i g

e pl y e t- e a e pra t d l j r " r p r m g " r s n

o t o th a t a o a l g d pre e ce o

m o m n r l t d c i e de cri e c s s b d in

Pa a r p u f e c u l r l e e s n r r g a h (a) , (b) , or (c) a o e i d re te b v s i c d

a t a , a l ge o th e t ne di pe sa o c u l l e d r r a e d s r l f

a y so i , li ui , ga e us o th r a ir i a t n l d q d s o r e m l r t n

o co t m na t, i cl di g sm k , v po s, r n a i n n u n o e a r

so t fu e , a i s, a k l s, che i a s a d o , m s c d l a i m c l n

wa te a d th t a e pa t o a y cl i o s , n a r r f n a m r

Thi e cl si n a pl e whe he th in ure m y s x u o p i s t r e s d a

be l a l s a e p o e r n ny o he a a i y i b e a n m l y r o i a t r c p c t

a d t a y o l ga i n to sha e da a e wit o n o n b i t o r m g s h r

re a so e ne e se who m st pa da a e p y m o l u y m g s

be a se o he "bo i y i j r ". c u f t d l n u y

"sui " whi h a so a l ge a y "bo i y i j ry

t c l l e s n d l n u "

o "pro e ty da a e de cri e in r p r m g " s b d

Pa a r p r g a h (1) a o e b v

Ex l si ns c u o c. th o g r u h n. do no a p y to "pre i e t p l m s s

da a e A se a a e li i o i sura ce a p i s to m g " p r t m t f n n p l e

"pre i e da a e a de cri e in Pa a r p m s s m g " s s b d r g a h 6. of

Se ti n c o III Li i s O nsur n e m t f I a c (3) An l ss, co t o e p nse a i in o t o y o s r x e r s g u f

any:

(a) Re ue t, de a d o de o sta ut ry o q s m n , r r r t o r

CO ERA E B P RSO A A D AD ERT SI G V G E N L N V I N

IN U Y L AB L T J R I I I Y

1. In u in g e m n s r g A r e e t re u a o y re ui e e t tha a y i sure g l t r q r m n t n n d

o o he s te t fo , m ni o , cle n up, r t r s r o t r a

re o e co t i , tre t de o i y o m v , n a n a , t x f r

a. We wi l pa th se sum tha th i sure l y o s t e n d

be o e le a l o l ga e to pa a da a e c m s g l y b i t d y s m g s

ne t a i e o i a y wa re po d to o u r l z , r n n y s n , r be a se o "pe so a a d a v rt si g in ur " to c u f r n l n d e i n j y

a se s the e f ct o , a be to , s s f e s f s s s

a be to fi e s o pro uct co t i i g s s s b r r d s n a n n

a be to ; r s s s o

whi h th s i sura ce a pl e . We wi l ha e the c i n n p i s l v

ri ht a d du y to de e d t e i sure a a nst a y g n t f n h n d g i n

"sui " se k n th se da a e Ho e e , we wi l t e i g o m g s w v r l

ha e no dut to de e d the in ure a a n t a y v y f n s d g i s n (b) Cl i o sui by o o be a f o a y a m r t r n h l f n

go e n e t l a t o i y o a y o h r v r m n a u h r t r n t e

pe so o o ga i a i n be a se o r n r r n z t o c u f

"sui " se k n da a e fo "pe so a a d t e i g m g s r r n l n

a v rt si g in ur " to whi h thi i sura ce do s d e i n j y c s n n e

no a p y We m y at o r di cre i n t p l a , u s t o , te ti g fo , m n t r ng cl a i g up, s n r o i o i , e n n i v sti a e a y o fe se a d se t e a y cla m o n e g t n f n n t l n i r re o i g, con a ni g, tre t ng m v n t i n a i ,

"sui " th t a e ul . Bu : t a m y r s t t de o i y ng o ne t a i i g o in a y t x f i r u r l z n , r n wa re po di g to o a se sin the y s n n , r s s g

(1) The a o n we wil pa fo da a e is m u t l y r m g s e fe t o , a be to , a be to fi e s o l m te a de cri e i f c s f s s s s s s b r r i i d s s b d n Se t o c i n III Li i s m t pro uct co t i i g a be to

Of I sura ce a d d s n a n n s s s n n ; n

t. Em l ymen -Rel te ra ti es p o t a d P c c

(2) Ou rig t a d dut to de e d e d whe we r h n y f n n n ha e use up th a p i a l li i o v d e p l c b e m t f "Bo i y i j r " to d l n u y :

(1) A e so ri in ut o ny p r n a s g o f a :

i sur n e i the pa m nt o j d m n s o n a c n y e f u g e t r

se tl m n s und r Co e a e t e e t e v r g s A or B or (a) Re usa o e p o h t e so ; f l t m l y t a p r n

(b) Te m na i n o tha pe so 's r i t o f t r n

m di a x e se un e o e a e e c l e p n s d r C v r g C

No o he o l g t o o l a i i y to pa sum o t r b i a i n r i b l t y s r e pl y e t r m o m n ; o

pe f r a t o se v ce i co e e unl ss r o m c s r r i s s v r d e

e pl ci l pro i e fo un e Su p e e t ry x i t y v d d r d r p l m n a a t o o i si n, such a co rci n, c r m s o s e o

Pa m nt y e s de o i n, e a u ti n re ssi nm n , m t o v l a o , a g e t

b. Thi i sura ce a pl e to "pe so a a d s n n p i s r n l n di cip i e fa l re to pro o e o s l n , i u m t r

a v rti i g in ur " ca se by a o fe se a i i g d e s n j y u d n f n r s n a v nce ha a sm n , hum l a i n d a , r s e t i i t o ,

o t o y u bu i e s but o l i th o f nse wa u f o r s n s n y f e f e s di crim na i n, li e , sl nd r v o a i n s i t o b l a e , i l t o

co m t e in th "co e a e te r t r " du i g th m i t d e v r g r i o y r n e o th pe so 's rig t o pri a y f e r n h f v c ,

po i y p ri d. l c e o m l ci us pro e ut o o fa se a re t, a i o s c i n r l r s

de e t o o i p i o m n a p i d t o t n i n r m r s n e t p l e o r 2 Ex l si n . c u o s di e t d a tha pe so , re a dl ss o r c e t t r n g r e f

Thi i sura ce d e no p l o s n n o s t a p y t : whe he such pra ti e po i y a t o t r c c , l c , c r

a. Kn w n i l t o f i h s f n th r o i g V o a i n O R g t O A o e o i si n o curs, i a p i d o is m s o c s p l e r co m t e be o e duri g o a t r the m i t d f r , n r f e "Pe so a a d a v rt sin in ur " ca se by o r n l n d e i g j y u d r ti e o t a e so 's e p o m nt r m f h t p r n m l y e ; o a th di e ti n o the i sure wi h the t e r c o f n d t (2) The spo se chi d pa e t bro h r o siste u , l , r n , t e r r k o l d e th t the a t wo l v o a e the rig t n w e g a c u d i l t h s o tha pe so a a co se u nce o "bo i y f t r n s n q e f d l o a o h r a d wo l i f i t "pe so a a d f n t e n u d n l c r n l n i j ry to tha pe so a who a y o the n u " t r n t m n f a v rt si g i j r ". d e i n n u y

Thi e cl si n do s no a pl to "pe so a

s x u o e t p y r n l g i v l r l e n t v di put t r a i e s e

a a nst a ci i o a

re o u i n pro e di g i n u " u d y m l c o s r s c i n

i j ry ca se b a i i u p o e ut o

b Mate ia u l s ed Wi h Kn w ed e O . r l P b i h t o l g f

F l i y a s t

"Pe so a a d a v rt sin in u y a i i g o t o r n l n d e i g j r " r s n u f

o a o wri te pu l ca i n i cl di g pub i a i n

s l t o c e n n which

da a e to whi h th s in ura ce m g s c i s n

a pl e a e a l ge . p i s r l e d

f. B ea h O o trac r c f C n t

"Adv rt sin

r l r t n b i t o , n u n l c t o e i g i j ry a i i g o t o n u " r s n u f a bre ch o a f

by e e tro i m a s, o a e i l f do e by o t co tr ct l c n c e n f m t r a , i n r a n a

th di e ti n o th i sure wi h kno l d e o e r c o f e n d t w e g f

i s f l i y t a s t

c. Mate ia u l s ed O s d P i r T o i y r l P b i h r U e r o o P l c

g Q a it O erfo m n e f o d F i u e . u l y r P r a c O G o s a l r

To Co fo m To S at m n s n r t e e t

"Adv rt sin in ur " a i i g o t o th fa l re o e i g j y r s n u f e i u f

Period go ds, pro uct o se v ce to co fo m wi h o d s r r i s n r t

(1) "Pe so a a d a v rt sin n u y a i i g o t a y sta e e t o qua r n l n d e i g i j r " r s n u n t m n f l t o pe fo i y r r rm n e m de a c a

o o a o wri t n pu l ca i n in l d n i o r "a v rt se e f r l r t e b i t o , c u i g n y u d e i m nt"

pu l ca i n by e e t o i m a s, o m t ri l b i t o l c r n c e n f a e a

who e fi st pu l ca i n to k pl ce be o e s r b i t o o a f r

(2)

h Wro g D s ri ti n O ric s . n e c p o f P e

"Adv rt sin in u y a i i g o t o the wro g e i g j r " r s n u f n th b gi ni g o t e p l cy pe i d r e e n n f h o i r o ; o

"Ad e t si g i j ry a i i g ou of v r i n n u " r s n t

i f i ge e t o co y i ht "ti l " o "sl g n" n r n m n f p r g , t e r o a

de cri t o o the pri e o go ds, pro uct o s p i n f c f o d s r

se v ce sta e n y ur "a v rt se e t r i s t d i o d e i m n "

In el ec u l P op rty t l t a r e i y ur "a v rt se e t who e fi st n o d e i m n " s r

i f i ge e t i y ur "a v rt se e t wa

"Pe so a a d a v rt sin n r n m n n o d e i m n " s r n l n d e i g in u y a i i g o t j r " r s n u of co m t e be o e the be i n n o the a y a t a o a l g d i f m i t d f r g n i g f n c u l r l e e n ri ge e t o v o a n m n r i l t o o i n f

po i y p r o a y o th fo l wi g ri h s o la s, o a y l c e i d n f e l o n g t r w r n o h r t e

"pe so a a d a v rt si g in ur " a l ge i a y r n l n d e i n j y l e d n n d Crim n l Act . i a s

"Pe so a nd a v rt si g i j ry a i i g o t o a r n l a d e i n n u " r s n u f

cri i a a t co m t e by o a the di e ti n o m n l c m i t d r t r c o f

cl i o "sui " th t a so a l ge a y such a m r t a l l e s n

i f i ge e t r i l t o : n r n m n o v o a i n

(1) Co y i h ; p r g t th i sure e n d

(2) Pa e t t n ; e. Co trac u l L ab l t n t a i i i y

"Pe so a a d a v rt sin in ur " fo whi h the r n l n d e i g j y r c

i sure ha a sum d l a i i y in a co t a t o n d s s e i b l t n r c r

a re m nt Thi e cl sio do s no a pl to g e e . s x u n e t p y

l a i i y f r a a e : i b l t o d m g s

(1) Tha the i sure o l a e i h a se ce t n d w u d h v n t e b n

(3) Tra e d e s; d r s

(4) Tra e n m ; d a e

(5) Tra e a k d m r ;

(6) Tra e se re ; o d c t r

(7) Ot e n e l ctu l p o e t i h s o a s. h r i t l e a r p r y r g t r l w o h co t a t o gr e e t r f t e n r c r a e m n ; o

Thi e cl sio d e no p l o s x u n o s t a p y t : (2) Be a se o "pe so a in u y a sum d by c u f r n l j r " s e y u in a co t a t o a re m nt th t i a o n r c r g e e a s n

(1) "Ad e t si g i j ry a i i g o t o a y a tu l v r i n n u " r s n u f n c a "i sure co tr ct , pro i e th t the n d n a " v d d a o a l g d i fri g m n o v o a i n o r l e e n n e e t r i l t o f "pe so a in u y i ca se by a o f n e r n l j r " s u d n f e s

a o h r's co y i h , "ti l " o "sl g n" i n t e p r g t t e r o a n co m t e sub e ue t to th e e ut o o m i t d s q n e x c i n f

y ur "a v rt se e t ; r o d e i m n " o th co t a t o a re m n So e y fo the e n r c r g e e t l l r

(2) An o h r "pe so a a d a v rt sin in u y y t e r n l n d e i g j r " pu po e o li b l ty a sum d by y u i a r s s f a i i s e o n n

a l ge in a y cla m o "sui " th t a so l e d n i r t a l "i sure co t a t , re so a l a t r e s' n d n r c " a n b e t o n y

a l ge a y such i f i ge e t o v o a i n l e s n n r n m n r i l t o fe s a d ne e sa y l t ga i n e pe se e n c s r i i t o x n s

o a o h r' co y i ht "ti l " o "sl g n" i f n t e s p r g , t e r o a n i cu re by o fo a pa ty o he th n a n r d r r r t r a n y ur "a v rt se e t . o d e i m n " i sure wi l be de m d to be da a e n d l e e m g s

be a se o "pe so a i j ry , ro i e h t: c u f r n l n u " p v d d t a

In u ed I ed a n n e ne ype

s r s n M i A d I t r t T

B si e s s u n s e (a) Li b l t to such pa t fo , o fo th a i i y r y r r r e co t o , th t pa t ' de e se ha a so s f a r y s f n s l

"Pe so a a d a v rt si g in ur " ca se by a r n l n d e i n j y u d n be n a sum d by y u in th sa e e s e o e m o fe se co m t e by a i sure who e f n m i t d n n d s

"i sure o t a t ; nd n d c n r c " a

(b) Su h a t r e s' fe s a d l t g t o c t o n y e n i i a i n

bu i e s i : s n s s

(1) Ad e t si g "b o d a ti g" o pu l shi g; v r i n , r a c s n r b i n e pe se a e fo de e se o th t pa t x n s r r f n f a r y

(2) De ig i g o de e m n n con e t o

ne tr l z n , o i a y wa e

s n n r t r i i g t n f u a i i g r n n y r spo di g o n n t , or we sit s f r o he s; r a se si g th e fe ts o , "po l t n s". b e o t r o s s n e f c f l u a t

(3) An In e n t se rch, a ce s, co t nt o t r e a c s n e r o War .

se v ce p o i e . r i r v d r

Ho e e , thi e cl si n do s no a p y to w v r s x u o e t p l

Pa a ra h r g p s a.(1) , (2) and (3) o th d fi i i n f f e e n t o o

"pe so a i j ry r n l n u "

F r t e p rp se o h s e cl sio : o h u o s f t i x u n

(1) Cre t n a d pro uci g co re po de ce

"Pe so a nd a v rt si g i j ry a i i g o t o : r n l a d e i n n u " r s n u f

(1) Wa , i cl d n n e l re r i i w r r n u i g u d c a d o c v l a ;

(2) Wa l k a t o by a m l ta y fo ce in l d ng r i e c i n i i r r , c u i

a t o i hi d ri g o de e d ng a a n t a

c i n n n e n r f n i g i s n

a t a o e pe t d a t ck by a y

c u l r x c e t a , n

go e nm nt so e e gn o o a i g n d n r s n n v r e , v r i r t e a t o i y h r u h r t

wri t n in the co d ct o y u busin ss, usin i i a y pe so n l t e n u f o r e g m l t r r n e o t e ge t ; o r o h r a n s r

bu l t ns, fi a ci l o a n a re o t , o l e i n n a r n u l p r s r

ne sle te s a o t y u go ds, pro u ts o w t r b u o r o d c r

se v ce wil no be co si e e the r i s l t n d r d

bu i e s o u l shi g; a d s n s f p b i n n

(2) The pl ci g o fra e , bo d rs o l n s, o a n f m s r e r i k r

a v rt sin , fo y u o o he s a y he e o d e i g r o r t r n w r n

(3) In urre t o , re e l o , re o ut o , usurp d s c i n b l i n v l i n e

po e , o a ti n ta e by go e n e t l w r r c o k n v r m n a

a th ri y i hi d r ng o de e di g a a nst u o t n n e i r f n n g i

a y o he e n f t s

p U so i i e o m n ca i n . n l c t d C m u i t o

"Pe so a a d a v rt sin in u y a i i g o t o r n l n d e i g j r " r s n u f th Int rn t wi l no , by i se f, be co si e e e e e l t t l n d r d

a y a tu l o a l ge v o a i n o a y l w th t n c a r l e d i l t o f n a a th bu i e s o a v rt si g "bro dca ti g e s n s f d e i n , a s n "

re tri ts o pro i i s the se d ng tr n m t i g s c r h b t n i , a s i t n o pu l shi g. r b i n

k. El c ro i h t oo s O u le i B ard e t n c C a r m r B l t n o s

"Pe so a a d a v rt sin in u y a i i g o t o r n l n d e i g j r " r s n u f

a e e tro i cha r o o bul e i bo rd the n l c n c t o m r l t n a

i sure ho ts o o ns, o o e whi h the n d s r w r v r c

o d stri ut n f "un o i i e co m ni a i n". r i b i g o s l c t d m u c t o

q Acc s O Di c o u e O Con id n i l O . e s r s l s r f f e t a r

P rso a n o m ti n e n l I f r a o

"Pe so a a d a v rt sin in u y a i i g o t o r n l n d e i g j r " r s n u f

a y a ce s to o di cl sure o a y pe so ' o n c s r s o f n r n s r i sure x rci e co t o . n d e e s s n r l

l. U au h rized U e f n th r's a e O n t o s O A o e N m r

o ga i a i n' co fi e t a o pe so a r n z t o s n d n i l r r n l

i f rm t o n o a i n

P o u t r d c r. Asb st s e o

"Pe so a a d a v rt sin in u y a i i g o t o r n l n d e i g j r " r s n u f

th una t o i e use o a o he 's na e o e u h r z d f n t r m r

(1) "Pe so a a d a v rt sin n u y a i i g o t r n l n d e i g i j r " r s n u

o the a tu l o a l ge pre e ce o a t a , f c a r l e d s n r c u l pro uct in y ur - a l a d e s, o a n n m o d o e m i d r s d m i a e r

m ta a , o a y o he sim l r ta ti s to m sl a e t g r n t r i a c c i e d

a o h r s p t nt a usto e s. n t e ' o e i l c m r

a l ge r hre t n d i pe sa o a be to , l e d o t a e e d s r l f s s s

a be to fi e s o pro u ts co t i i g s s s b r r d c n a n n

a be to , pro i e th t th "pe so a a d s s s v d d a e r n l n

m. P l u i n o l t o a v rt sin in ur " i ca se o co tr bu e d e i g j y s u d r n i t d

"Pe so a a d a v rt sin in u y a i i g o t o r n l n d e i g j r " r s n u f

to by t e h z rd us pro e ti s o sbe to h a a o p r e f a s s

(2) "Pe so a a d a v rt sin n u y a i i g o t r n l n d e i g i j r " r s n u th a tu l a l ge o th e te e di cha g , e c a , l e d r r a n d s r e

o the a tu l o a l ge pre e ce o a t a , f c a r l e d s n r c u l di pe sa , se pa e m gra i n, re e se o s r l e g , i t o l a r

a l ge o th e t ne di pe sa o a y so i , l e d r r a e d s r l f n l d e ca e o "po l t n s" a ny t m s p f l u a t t a i e

l q i , ga e us o th rm l ir i a t o i u d s o r e a r t n r n P l u i n Rel t d . o l t o - a e

co ta i a t i cl di g sm k , v po s, n m n n , n u n o e a r

An o s, o t o x e se a i in ut o ny y l s c s r e p n r s g o f a : so t fu e , a i s, a k l s, che i a s a d o , m s c d l a i m c l n

(1) Re ue t, de a d o de o sta ut ry o q s m n , r r r t o r

wa te a d th t a e pa t o a y cl i o s , n a r r f n a m r

"sui " whi h a so a l ge a y "pe so a a d t c l l e s n r n l n re u a o y re u re e t th t a y in ure o g l t r q i m n a n s d r

a v rt sin in u y de cri e i Pa a r ph d e i g j r " s b d n r g a o h r te t fo , m n t r cl a up re o e t e s s r o i o , e n , m v , (1) a o e b v co ta n tre t de o i y o ne t a i e o in n i , a , t x f r u r l z , r

(3) An l ss, co t o e p n e a i in o t o y o s r x e s r s g u f any way respond to, or assess the effects o , "po l t n s"; r a y f l u a t o n :

(2) Cl i o sui by o o be a f o a y a m r t r n h l f n (a) Re ue t, de a d o de o sta ut ry o q s m n , r r r t o r re u a o y re ui e e t tha a y i sure g l t r q r m n t n n d governmental authority or any other person o o g n z ti n be a se o te ti g fo , o o he s te t fo , m r r a i a o c u f s n r r t r s r o i o , cle n up, n t r a m ni o i g, cl a i g up, re o i g re o e co t i , tre t de o o t r n e n n m v n , m v , n a n a , t x fy o i r co ta n n , tre t ng de o i y ng or ne t a i e o i a y wa re po n i i g a i , t x f i u r l z , r n n y s nd to o , r

a se s the e f ct o , a be to , s s f e s f s s s

a be to fi e s o pro uct co t i i g s s s b r r d s n a n n

(3) Be a se o y u pe a i ns; c u f o r o r t o

pro i e ha : v d d t t a be to ; r s s s o

(b) Cl i o sui by o o be a f o a y a m r t r n h l f n

(a) The a ci e t ta e pl ce in th "co e a e c d n k s a e v r g

te r t r " a d uri g t e p l cy pe i d r i o y n d n h o i r o ;

go e n e t l a t o i y o a y o h r

v r m n a u h r t r n t e

pe so o o ga i a i n be a se o r n r r n z t o c u f

(b) The e pe se a e i cu re a d re o t d to x n s r n r d n p r e

us wit i o e y a o the da e o the h n n e r f t f te ti g fo , m n t r ng cl a i g up, s n r o i o i , e n n

a ci e t n c d n ; a d re o i g, con a ni g tre t ng m v n t i n , a i ,

de o i y ng o ne t a i i g o in a y t x f i r u r l z n , r n

wa re po di g to o a se sin the

a o r e pe se by phy i i n y s n n , r s s g t u x n , s c a s o o r ho ce f u c i

e fe t o , a be to , a be to fi e s o a o t n s we re so a l f c s f s s s s s s b r r s f e a a n b y re ui e q r

pro uct co t i i g a be to . d s n a n n s s s

s. Em l ymen -Rel t d P act c s p o t a e r i e

b. We wi l m k th se pa m nt re a d e s o l a e e y e s g r l s f

fa l The e pa m nt wi l no e ce d the u t s y e s l t x e

a pl ca l li i o i sura ce We wi l pa p i b e m t f n n l y "Pe so a n ur " to r n l i j y :

(1) A e so ri in ut o ny p r n a s g o f a :

re so a l x e se f r: a n b e e p n s o

(1) F rst a d a m ni te e a the ti e o a i i d i s r d t m f n

(a) Re u a o e p o ha p rso ; f s l t m l y t t e n a ci e t c d n ;

(b) Te m na i n o tha pe so 's r i t o f t r n

(2) Ne e sa y m d ca , surgi a , X-ra a d c s r e i l c l y n e pl y e t r m o m n ; o de t l se v ce , in l d n pro the i n a r i s c u i g s t c

(c) Em l y e t re a e pra t ce po i y de i e ; n p o m n - l t d c i , l c , v c s a d a t o o i si n, such a co rci n, c r m s o s e o

(3) Ne e sa y a b l n e ho pi a , c s r m u a c , s t l de o i n, e a u ti n re ssi n e t m t o v l a o , a g m n , pro e si n l nu si g a d un r l se v ce f s o a r n n f e a r i s di cip i e fa l re to pro o e or s l n , i u m t

2. Ex l si n c u o s a v nce ha a sm n , hum l a i n d a , r s e t i i t o ,

We wi l n t a e pe se fo "bo i y i j r ": l o p y x n s r d l n u y di crim na i n, li e , sl nd r v o a i n s i t o b l a e , i l t o o th pe so 's rig t o pri a y f e r n h f v c , a.

m l ci us pro e ut o o fa se a re t, a i o s c i n r l r s

de e t o o i p i o m n a p i d t o t n i n r m r s n e t p l e o r

An I su ed y n r

To a y i sure , x e t "v l n e r o k rs". n n d e c p o u t e w r e

b H red P rso i e n di e t d a tha pe so , re a d e s o r c e t t r n g r l s f

whe he such pra ti e po i y a t o t r c c , l c , c r

To a pe so hi e to do wo k fo o o be a f o r n r d r r r n h l f

o i si n o curs, i a p i d o is m s o c s p l e r a y i sure r t na t f ny i sure . n n d o a e n o a n d

co m t e be o e duri g o a t r the m i t d f r , n r f e

In u y O N rma l O c p ed P em s s j r n o l y c u i r i e ti e o t a e so 's e p o m nt r m f h t p r n m l y e ; o

(2) The spo se chi d pa e t bro h r o siste u , l , r n , t e r r

o th t pe so a a co se u nce o f a r n s n q e f

"pe so a i j ry to th t pe so a who r n l n u " a r n t m

a y o the e pl y e t re a e pra ti e n f m o m n - l t d c c s

To a pe so in u e o th t pa t o pre i e r n j r d n a r f m s s

y u o n o re t tha th pe so no m l y o w r n t e r n r a l

o cupi s. c e

d Wo ke s' Co p n a i n An i il r L w . r r m e s t o d S m a a s

To a pe so , whe he o no a "e pl y e o r n t r r t n m o e " f de cri e in Pa a ra h s b d r g p (a) , (b) , or (c)

a y i sure , i be e i s f r t e "bo i y i j r " a e n n d f n f t o h d l n u y r above is directed.

Thi e cl si n a pl e w e he th in ure m y s x u o p i s h t r e s d a

be l a l s a e p o e r n ny o he a a i y i b e a n m l y r o i a t r c p c t

a d t a y o l ga i n to sha e da a e wi h o n o n b i t o r m g s t r

pa a l o m st be pro i e und r a wo k r ' y b e r u v d d e r e s

co p nsa i n o di a i i y be e i s la o a m e t o r s b l t n f t w r

si i a a m l r l w

e. Ath et c c i iti s l i s A t v e repay someone else who must pay damages

be a se o he "pe so a nj ry c u f t r n l i u "

To a pe so i j re whi e pra t ci g in tr ct ng r n n u d l c i n , s u i

CO ERA E C V G o pa t ci a i g i a y phy ica e e ci e o r r i p t n n n s l x r s s r MED CAL P YMEN S I A T

1. In u in g e m n s r g A r e e t

a. We wi l pa m d ca e pe se a de cri e l y e i l x n s s s b d

ga e , po t , o a h e i co te ts. m s s r s r t l t c n s

f. P o u ts-Co p e ed O era i n a ard r d c m l t p t o s H z

In l d d wi hi the "pro uct -co p e e c u e t n d s m l t d be o o "bo i y i j r " ca se b n cci e t l w f r d l n u y u d y a a d n : o e a i n h z r ". p r t o s a a d

(1) On p e i e y u o n r e t r m s s o w o r n ;

g Co erag x l s o s . v e A E c u i n (2) On wa s ne t to pre i e y u o n o re t y x m s s o w r n ; or

Ex l de u d r o e a e c u d n e C v r g A

SU P EMEN ARY P YMEN S P L T A T

1. We wi l pa , wi h re pe t to a y cl i we l y t s c n a m

i v st ga e o se tl , o a y "sui " a a nst n i sure n e i t r t e r n t g i a n d

a sum d by th in ure in th sa e "i sure

s e e s d e m n d

co tr ct ; n a "

d. The a l ga i ns i th "sui " a d t e i f r a i n l e t o n e t n h n o m t o

we k o a o t th "o cur e ce o o f n e a e n w b u e c r n " r f e s r we d fe d e n :

a. A l e pe se we i cur l x n s n

b. Up to $2 50 fo th co t o ba l bo ds re u re , 0 r e s f i n q i d

b ca se o a ci e ts o tra f c l w v o a i n e u f c d n r f i a i l t o s

a i i g o t o the use o a y v hi l to whi h r s n u f f n e c e c

th Bo i y Inj ry Li b l t Co e a e a p i s. We e d l u a i i y v r g p l e

do no h v t u ni h h se bo ds. t a e o f r s t e n

such th t no co fl ct a p a s to e i t be we n a n i p e r x s t e

th i t re ts o the i sure a d the i t re ts o e n e s f n d n n e s f

th i de n t e e n m i e ;

e. The in e n t e a d the i sure a k us to d m i e n n d s

co du t a d co t o th de e se o tha n c n n r l e f n f t

i d m i e a a n t such "sui " a d a re tha n e n t e g i s t n g e t

we ca a si n th sa e co n e to de e d th n s g e m u s l f n e

c. The co t o bo ds to re e se a ta hm n s, but s f n l a t c e t it f. only for bond amounts within the applicable lim

o i sura ce We do no ha e to furn sh th se f n n t v i e

i sure nd th i d m i e ; nd n d a e n e n t e a

The i d m i e : n e n t e

(1) Ag e s i w i i g o r e n r t n t : bonds

(a) Co p r t wi h us in th in e ti a i n, o e a e t e v s g t o

d. Al re so a l e pe se in urre by the l a n b e x n s c d se t e e t o d fe se o h "sui "; t l m n r e n f t e t i sure a o r re ue t to a sist us in the n d t u q s s

(b) Im e i t l se d us co i s o a y m d a e y n p e f n i v st ga i n o de e se o th cl i o "sui ", n e i t o r f n f e a m r t

d m nd , no i e , sum o se o e a e a s t c s m n s r l g l i cl di g a t a l ss o e rn n s up to $5 0 a n u n c u l o f a i g 0 pa e s re e v d in co ne t o wi h the p r c i e n c i n t da e a se o t m ff fro o k y b c u f i e o m w r . "suit";

e. Al co rt co ts ta e a a nst th i sure in the l u s x d g i e n d

co e a e i a a l b e to th i de n t e v r g s v i a l e n m i e ; a t rne s' fe s o a t rn y ' e pe se ta e t o y e r t o e s x n s x d and a a nst h i sure g i t e n d

(d) Co p r t wi h us wi h re pe t to o e a e t t s c

f. Pre u g e t i t re t a a d d a a nst the co rdi a i g o he a pl ca j d m n n e s w r e g i o n t n t r p i b e i sura ce l n n i sure o tha pa t o th j d m n we pa If a a l bl o t n d n t r f e u g e t y v i a e t he i de n t e n n m i e ; a d

we m k a o f r to pa the a pl ca l li i o a e n f e y p i b e m t f

(2) Pro i e u w t ri t n ut o i a i n to v d s s i h w t e a h r z t o : i sura ce we wil no pa a y pre u g e t n n , l t y n j d m n

(a) Ob a n re o ds a d o h r i f r a i n t i c r n t e n o m t o i te e t ba e o tha pe i d o ti e a t r the n r s s d n t r o f m f e

re a e t h "sui "; nd l t d o t e t a offer

g. Al i t re t o the fu l a o n o a y ju g e t l n e s n l m u t f n d m n i d m i e n uch "sui ". n e n t e i s t th t a crue a t r e tr o th j d m n a d a c s f e n y f e u g e t n

(b) Co du t a d co t o th de e se o t e n c n n r l e f n f h

So lo g a th a o e co d t o s a e m t a t r e s' n s e b v n i i n r e , t o n y b fo e we ha e pa d, o f r d to pa , o e r v i f e e y r

fe s in urr d by us in th de e se o tha e c e e f n f t de o it d in co rt th pa t o th ju g e t tha p s e u e r f e d m n t

i de n t e ne e sa y l t ga i n e pe se in urre n m i e , c s r i i t o x n s c d i w t i h a pl ca l l m t o n ura ce s i h n t e p i b e i i f i s n .

The e pa m n s wi l no re u e the l m ts o s y e t l t d c i i f

by us a d ne e sa y l t g ti n e p nse in urre by n c s r i i a o x e s c d

th i d m i e a o r re u st wi l be pa d a e n e n t e t u q e l i s i sur n e n a c .

2. If we de e d a i sure a a nst a "sui " a d a f n n n d g i t n n

Su p e e t ry Pa m n s. No wi h ta d n the p l m n a y e t t t s n i g

pro i i n o Pa a ra h v s o s f r g p 2. . 2) b ( o Se t o f c i n I i d m i e o the in ure i a so na e a a pa t n e n t e f s d s l m d s r y

Co e a e Co e a e v r g s v r g A Bo i y Inj ry An d l u d to the "sui ", we wi l de e d tha i d m i e if a l o t l f n t n e n t e l f

Se ti n c o I Co e a e Co e a e v r g s v r g B Pe so a r n l

Pro e ty Da a e Li bi i y o Pa a ra h p r m g a l t r r g p 2.e. of th f l o i g o d t o s a e m t e o l w n c n i i n r e :

An Adv rt sin Inj ry Li bi i y such pa m nt wi l d e i g u a l t , y e s l a. The "sui " a a nst the i d m i e se k t g i n e n t e e s

no be de m d to be da a e fo "bo i y i j ry , t e e m g s r d l n u " da a e fo whi h the in ure ha a sum d m g s r c s d s s e

"pro e ty da a e o "pe so a in u y , a d wi l no p r m g " r r n l j r " n l t th l a i i y o th i d m i e in a co t a t o e i b l t f e n e n t e n r c r

re u e t e l m ts o n ura ce d c h i i f i s n a re m nt th t s a "i sure o t a t ; g e e a i n n d c n r c "

b. Thi i sura ce a pl e t uch l a i i y a sum d s n n p i s o s i b l t s e Ou o l g t o to de e d a in ure ' in e n t e r b i a i n f n n s d s d m i e by t e i sure ; h n d a d to pa fo a t rne s' fe s a d ne e sa y n y r t o y e n c s r

c. The o l ga i n to de e d o the co t o th b i t o f n , r s f e

l t g ti n e pe se a Sup l m n a y Pa m n s i i a o x n s s p e e t r y e t

e ds wh n n e : de e se o , tha i d m i e , ha a so be n f n f t n e n t e s l e

a. We ha e use up the a pl ca l l m t o

wo k rs" whi e pe fo m ng du

re a e to the co d ct o n a c e y e f u g e t l t d n u f your

v d p i b e i i f r e l r r i ties i sur n e in th pa m nt o j d m n s,

se t e e t o m d ca x e se ; r

bu i e s; t l m n s r e i l e p n s o s n s

b. The co d t o s se fo t a o e o the te m o n i i n t r h b v , r r s f

(b) To th spo se chi d pa e t, bro he o e u , l , r n t r r

th a r e e t de cri e i a a ra h e g e m n s b d n P r g p f. a o e b v , "v l n e r wo k r" a a co se u nce o u t e r e s n q e a e n o ge e r o l n r m t

SE TI N I WH S AN I SU ED C O I O I N R

1. If y u re d si n t d n th De l ra i ns a : o a e g a e i e c a t o s

a. An in i i ua , y u a d y u spo se a e d v d l o n o r u r

i sure s, but o l wit re pe t to the co du t n d n y h s c n c

o usin ss o hi h o re t e so e o n r. f a b e f w c y u a h l w e

b. A pa tn rshi o jo n v n ure y u a e a r e p r i t e t , o r n

i sure Y ur m m e s, y u pa t e s, a d n d o e b r o r r n r n

th i spo se a e a so in ure s, bu o l wi h e r u s r l s d t n y t

r spe t o t e co du t f o r u i e s. e c t h n c o y u b s n s

c. A li i e l a i i y co pa y y u a e a i sure m t d i b l t m n , o r n n d

Y u m m e s a e a so i sure s, bu o l wi h o r e b r r l n d t n y t

re pe t to th co d ct o y ur busin ss. Y u s c e n u f o e o r

m na e s a e i sure s, but o l wi h re pe t t a g r r n d n y t s c o

th i u i s a y ur a a e s. e r d t e s o m n g r

si te o tha co "e pl y e o s r f t - m o e " r

o a a r p f P r g a h (1)(a) a o e b v ;

sha e da a e wi h o re a so e ne r m g s t r p y m o

e se who m st pa da a e be a se l u y m g s c u

o the in ur de cri e in Pa a ra h f j y s b d r g p

(1)(a) or (b) a o e r b v ; o

(d) Ari i g o t o hi o he pro i i g o s n u f s r r v d n r

fa l ng to pro i e pro e sio a he l h i i v d f s n l a t

ca e se v ce r r i s

Unl ss y u a e in th busin ss o e o r e e r

o cup ti n o pro i i g pro e sio a he l h c a o f v d n f s n l a t

ca e se v ce , Pa a ra h r r i s r g p s (1)(a) , (b) , (c)

and (d) a o e do no a pl to "bo i y i j r " b v t p y d l n u y

a i i g o t o pro i i g o fa l n to pro i e r s n u f v d n r i i g v d

fi st a d o "Go d Sa a i a se v ce " by r i r o m r t n r i s

d. An o ga i a i n o he th n a pa t e shi , j i t r n z t o t r a r n r p o n a y o y ur "e pl y e " o "v l n e r n f o m o e s r o u t e

v nt r o l m te l a i i y co p ny y u a e a e u e r i i d i b l t m a , o r n wo k rs", o h r tha a e p o e o r e t e n n m l y d r

i sure Y u "e e u i e o fi e s" a d di e t rs n d o r x c t v f c r n r c o

a e in ure s, but o l wi h re pe t to th i r s d n y t s c e r

d ti s a y ur o fi e s o di e t rs. Y u u e s o f c r r r c o o r

v l n e r do t r. Any such "e pl y e " o o u t e c o m o e s r

"v l n e r wo k rs" pro i i g o fa l ng to o u t e r e v d n r i i

pro i e fi st a d o "Go d Sa a i a v d r i r o m r t n

st ck o d r a e a so i sure s, but o l wi h o h l e s r l n d n y t se v ce " du i g the r wo k ho rs fo y u r i s r n i r u r o re pe t o t e r l a i i y a sto k o d rs. s c t h i i b l t s c h l e

e. A tr st, y u a e a in ure Y u tru te s a e u o r n s d o r s e r

wi l be de m d to be a t n wi hi the l e e c i g t n

sco e o the r e pl y e t by y u o p f i m o m n o r

pe f r i g dut e re a e to the co d ct o r o m n i s l t d n u f a so in ure s, but o l wit re pe t to th i l s d n y h s c e r

y ur usin ss. o b e d ti s a t u te s. u e s r s e

2. Ea h f he fo l wi g i a so a i sure : c o t l o n s l n n d

a. Y ur "v l n e r wo k rs" o l whi e pe fo m ng o o u t e r e n y l r r i

(2) "Pro e ty d m ge to pr p rt : p r a a " o e y

(a) Own d, o cup e r se y e c i d o u d b ;

(b) Re t d to in the ca e custo y o n e , r , d r du i s re a e to the co du t o y ur busin ss, t e l t d n c f o e

co tr l o , o o e whi h phy ica n o f r v r c s l o y u "e pl y e ", o h r th n e t e y u r o r m o e s t e a i h r o r

co tr l i b i g e e ci e fo a y n o s e n x r s d r n "e e u i e o f ce s" (i y u a e a o ga i a i n x c t v f i r f o r n r n z t o

pu po e b ; r s y o h r tha a pa t e shi , j i t v n u e o l m t d t e n r n r p o n e t r r i i e

l a i i y co p ny o y u a a e s (i o re a i b l t m a ) r o r m n g r f y u a

l m te l a i i y co pa y , but o l fo a ts i i d i b l t m n ) n y r c

y u, a y o y u "e pl y e ", "v l n e r o n f o r m o e s o u t e

wo k rs", a y pa t e o m m e i o re r e n r n r r e b r ( f y u a wi hi the sco e o the r e p o m n by y u o t n p f i m l y e t o r a pa t e shi o jo n v n u e , o a y r n r p r i t e t r ) r n whi e pe f rm n du i s re a e to the co d ct l r o i g t e l t d n u

m m e (i y u a e a li i e l a i i y e b r f o r m t d i b l t o y ur busin ss. Ho e e , no e o th se f o e w v r n f e co pa y m n )

"e pl y e " o "v l n e r wo k rs" a e m o e s r o u t e r e r

b. An pe so (o he tha y ur "e pl y e o y r n t r n o m o e " r i sur d f r: n e s o

"v l n e r wo k r"), o a y o g n z t o , whi e o u t e r e r n r a i a i n l (1) "Bo i y i j r " o "pe so a n ur ": d l n u y r r n l i j y a t n s y u e l e ta e m na e c i g a o r r a s t a g r

(a) To y u, to y u pa t e s o e be s (i o o r r n r r m m r f

An pe so o o g n z t o ha i g pro e y r n r r a i a i n v n p r y u a e a pa t e shi o j i t v n u e , o r r n r p r o n e t r )

to y u m m e s (if y u a e a li i e o r e b r o r m t d

te po a y custo y o y ur pro e ty if y u di , m r r d f o p r o e

bu nl : t o y l a i i y co p n ), to a co "e pl y e i b l t m a y - m o e "

(1) Wit re pe t to li b l t a i i g o t o the h s c a i i y r s n u f whi e in th co rse o hi o he l e u f s r r

m i t na ce o se o t a r p rt ; a d a n e n r u f h t p o e y n e pl y e t o pe fo m ng dut e m o m n r r r i i s re a e to the co du t o y u l t d n c f o r (2) Unt l y u l ga re r se t t v ha be n i o r e l p e n a i e s e bu i e s, o to y u o h r "v l n e r a po n e s n s r o r t e o u t e p i t d

d. Y u l g l re re e t t v if y u di , but o l o r e a p s n a i e o e n y

b. Ari e o t o th o n r hi , m i te a ce o s s u f e w e s p a n n n r wi h re pe t to duti s as such. Tha

use o t a a t o ny pre i e t s c e t f h t p r f a m s s l a e o y u. e s d t o re re e ta i e wi l ha e a l y u rig t a d p s n t v l v l o r h s n

m na e o l sso i sub e t to the fo l w ng a g r r e r s j c l o i

The i sura ce pro i e to such pre i e o ne , n n v d d m s s w r du i s un e hi Co e a e Pa t t e d r t s v r g r .

e. An pe so o o ga i a i n tha , wi h y u pro i io s: y r n r r n z t o t t o r v s n e pre s o im l e co se t, e t e use o is x s r p i d n n i h r s r

a. The l m ts o i sura ce pro i e to such i i f n n v d d re po sib e fo the use o a wa e cra t th t y u s n l r f t r f a o

pre i e o ne , m na e o le so wi l be the m s s w r a g r r s r l do no o n th t s: t w a i

m n m m l m t th t y u gre d o p o i e i he i i u i i s a o a e t r v d n t

(1) 50 fe t o g r e s; a d wri t n co t a t o a r e e t, o the l e l n o l s n t e n r c r g e m n r i i s m t

(2) No be ng use to ca ry a y pe so o t i d r n r n r pro e ty f r ha g p r o a c r e

3. An o g n z t o y u ne l a qu re o fo m o h r y r a i a i n o w y c i r r , t e

th n a pa t e shi , jo n v nt r o l m t d l a i i y a r n r p i t e u e r i i e i b l t

sho n i he De l ra i ns, hi he e a e l ss. w n t c a t o w c v r r e

b. The in ura ce pro i e to such pre i e s n v d d m s s o ne , m na e r e so o s no a pl t : w r a g r o l s r d e t p y o

(1) An "bo i y in u y o "pro e ty da a e y d l j r " r p r m g "

co p ny a d o whi h y u a e t e so e o n r o i th t o cur , o "pe m a , n f c o r h l w e r n a c s r rso a a d a v rti i n l n d e s ng

whi h y u m i t i a o ne shi in e e t o m r i j ry ca se by c o a n a n n w r p t r s f o e n u " u d a o fe se tha i n f n t s

th n 50 , wi l qu l fy a a Na e nsure f t e e i co m t e , ft r o a % l a i s m d I d i h r s m i t d a e y u e se to be c a t na t n a e n i

no o h r sim l r in ura ce a a l bl to tha th t re i e ; r t e i a s n v i a e t a p m s s o

o ga i a i n o e e : r n z t o H w v r

(2) St u tu a a te a i ns, ne co stru ti n o r c r l l r t o w n c o r

a. Co e a e und r thi pro i i n i a f rde o l de o i i n o e a i v r g e s v s o s f o d n y m l t o p r t o s pe fo m d n r r e by o o r n

un i th 180t da a t r y u a qu re o fo m th be a f o such p e i e o t l e h y f e o c i r r e h l f r m s s wn r, m na e r e a g r o

o ga i a i n o the e d o the po i y pe i d, l sso r n z t o r n f l c r o e r

whi he e s e rl e ; c v r i a i r

5. An pe so o o g n z t o th t is a e ui m nt y r n r r a i a i n a n q p e

b. Co e a e v r g A do s no a pl to "bo i y in u y o l sso nd t a o a e e t p y d l j r " r e r a h t y u h v gr e i w i t n co a e d n a r t e ntract "pro e ty da a e th t o curre be o e y u o a re m nt to in l d p r m g " a c d f r o r g e e c u e a a a d t o a s n d i i n l i sure o n d n

c. Co e a e v r g B do s no a p y to "pe so a a d e t p l r n l n

a q i e r f rm d he o ga i a i n nd th s Co e a e Pa t is a c u r d o o e t r n z t o ; a i v r g r n i sure , bu n d t o l wi h n y t re pe t to l a i i y fo "bo i y i j ry , "pro e ty s c i b l t r d l n u " p r

da a e , r "pe so a nd a v rt si g i j ry th t: m g " o r n l a d e i n n u " a a v rt sin i j ry a i i g o t o a o f n e d e i g n u " r s n u f n f e s

co m t e be o e y u a q i e o fo m d the m i t d f r o c u r d r r e

a. Is "bo i y i j ry o "pro e ty da a e th t d l n u " r p r m g " a

o ga i a i n o cur , o i "pe so a a d a v rt si g in u y r n z t o c s r s r n l n d e i n j r "

F r th pu po e o Pa a r p o e r s s f r g a h 1. o Se t o f c i n II

Who Is An In ure , e ch such o ga i a i n wi l be s d a r n z t o l

de m d o b e ig a e n t e De l ra i n a : e e t e d s n t d i h c a t o s s

a. An o g n z t o , o he tha a pa t e shi , jo n r a i a i n t r n r n r p i t

v nt r r i i e i bi i y co pa y r e u e o l m t d l a l t m n ; o

b. A trust;

ca se by a o fe se tha is co m t e , u d n f n t m i t d

subse u nt to the si n ng o tha co tr ct o q e g i f t n a r

a re m nt a d g e e ; n

b. Is ca se , in who e o i pa t, by y u a ts o u d l r n r o r c r

o i si n in the m i t n nce o e a i n o use m s o s a n e a , p r t o r

o e u pm n l a e to y u by such e u p e t f q i e t e s d o q i m n

lessor

The in ura ce pro i e t such qu p e t l sso s s n v d d o e i m n e r i a in i a e in it na e o the do um nt tha s d c t d s m r c e s t

subj ct to t e fo l wi g p o i i n : e h l o n r v s o s go e n i s str ct re v r t u u

4. An pe so o o g n z t o th t i a pre i e y r n r r a i a i n a s m s s

a. The l m ts o i sura ce pro i e to such i i f n n v d d

e ui m n e so w l e t e m n m m l m t t a q p e t l s r i l b h i i u i i s h t o ne , m n g r o l sso a d th t y u ha e a re d w r a a e r e r n a o v g e y u a r e to pro i e i the wri te co tr ct o o g e d v d n t n n a r i a wri t n co t a t o a re m nt to i cl d a a n t e n r c r g e e n u e s n a re m nt o the li i s sho n i th g e e , r m t w n e a di i n l in ure o th s Co e a e Pa t is a d t o a s d n i v r g r n

De l ra i ns, hi h v r a e l ss. c a t o w c e e r e i sure , but o l wit re pe t to li b l t fo "bo i y n d n y h s c a i i y r d l

b. The i sura ce pro i e to such e u p e t n n v d d q i m n i j ry , "pro e ty da a e o "pe so a a d n u " p r m g " r r n l n

l sso do s no a pl to a y "bo i y i j ry o e r e t p y n d l n u " r a v rt sin n ur " th t: d e i g i j y a "pro e ty da a e th t o curs, o "pe so a p r m g " a c r r n l

a. Is "bo i y i j ry o "pro e ty da a e th t a d a v rt sin in ur " ca d l n u " r p r m g " a n d e i g j y u e by a o fe se s d n f n th t i co m t e , a t r the e ui m nt l a e a s m i t d f e q p e e s occurs, or is "personal and advertising injury" e pi e x r s ca se by a o fe se tha is co m t e , u d n f n t m i t d subse u nt to the si n ng o tha co tr ct o q e g i f t n a r No pe so o o ga i a i n is a in ure wi h re pe t to r n r r n z t o n s d t s c a re m nt a d g e e ; n th co du t o a y curre t o pa t pa t e shi , jo n e n c f n n r s r n r p i t

v nt r o l m t d l a i i y co pa y tha is no sho n a

e u e r i i e i b l t m n t t w s

a. The a o n sho n fo th Da a e To m u t w r e m g a Na e In ure in the De l ra i n Thi pa a ra h

Pre i e Re t m d s d c a t o s s r g p m s s n e To Y u Li i i th d o m t n e do s no a pl to a y such pa t e shi , jo n v nt re o

De l ra e t p y n r n r p i t e u r c a t o s o hi Co e a e Pa i n f t s v r g rt o ; r l m te l a i i y co pa y tha o h rwi e qua i i s a a i i d i b l t m n t t e s l f e s n

b. $3 0 0 0 if no a o nt i sho n fo the 0 , 0 m u s w r i sure n e e t o n d u d r S c i n II Who I A nsure . s n I d

SE TI N I I L MIT F I S RAN E C O I I S O N U C

1. The Li i s o Insura ce sho n i th De l ra i ns m t f n w n e c a t o

Da a e To Pre i e Re t d To Y u Li i i m g m s s n e o m t n th De l ra i ns o h s Co e a e Pa t e c a t o f t i v r g r

7. Su j ct to Pa a r p b e r g a h 5. a o e the M d ca b v , e i l

Ex e se Li i i th m st we wil pa und r p n m t s e o l y e a d th rul s be o fi the m st we wi l pa n e e l w x o l y

Co e a e v r g C fo a l m di a e p nse be a se o r l e c l x e s c u f r ga d e s o he nu be f: e r l s f t m r o

a. In ure s; s d

b. Cl i s m de o "sui s" bro gh ; o a m a r t u t r

c. Pe so s o o ga i a i n m k ng cl i s o r n r r n z t o s a i a m r

"bo i y i j r " su ta n d y a y o e p rso . d l n u y s i e b n n e n

The Li i s o Insura ce o thi Co e a e Pa t a pl m t f n f s v r g r p y

se a a e y to e ch co se ut v a n a pe i d a d to a y p r t l a n c i e n u l r o n n

re a ni g pe i d o l ss th n 12 m nt s, sta t n wi h m i n r o f e a o h r i g t

th be i n n o the po i y pe i d sho n i the e g n i g f l c r o w n bri g ng "sui s". n i t

2. The Ge e a Agg e a e L m t s t e m st e wi l p y n r l r g t i i i h o w l a

De l ra i ns, un e s the po i y pe i d is e t nd d a t r c a t o l s l c r o x e e f e

i sua ce fo a a di i n l pe i d o le s th n 12 s n r n d t o a r o f s a fo he sum o : r t f

a. M di a x e se un e o e a e e c l e p n s d r C v r g C ;

b. Da a e unde Co e a e m g s r v r g A , e ce t da a e x p m g s

be a se o "bo i y i j ry o "pro e ty da a e c u f d l n u " r p r m g "

i cl d d in th "pro uct -co p e e o e a i ns n u e e d s m l t d p r t o

ha a d ; nd z r " a

c. Da a e u d r Co e a e m g s n e v r g B

m nt s. In th t ca e th a d t o a pe i d wi l be o h a s , e d i i n l r o l

de m d pa t o h l st re e i g e i d o urp se o e e r f t e a p c d n p r o f r p o s f

de e m n ng th L m ts o nsura ce t r i i e i i f I n

SE TI N I CO MERCIAL G N RAL L AB L TY C O V M E E I I I

CO D TI N N I O S

1. B n ru tcy a k p

Ba k up cy o i so v ncy o th i sure o o th n r t r n l e f e n d r f e

3. The Pro u ts-Co pl t d Ope a i ns Aggr g te d c m e e r t o e a i sure ' e ta e wi l no re i v us o o r o l ga i n n d s s t l t l e e f u b i t o s

Li i i th m st we wi l pa un e Co e a e m t s e o l y d r v r g A for un e hi Co e a e Pa t d r t s v r g r

da a e be a se o "bo i y in u y a d "pro e ty m g s c u f d l j r " n p r

da a e i cl de i the "pro uct -co p e e m g " n u d n d s m l t d

o e a i n h z rd . p r t o s a a "

4. Su j ct to Pa a r p b e r g a h 2. a o e th Pe so a And b v , e r n l

Ad e t si g In u y Li i is the m st we wi l pa v r i n j r m t o l y

2. D ti s In T e vent O cc rren e O f n e, u e h E f O u c , f e s

Cla m r S i i O u t

a. Y u m st se to i th t we a e no i i d a so n o u e t a r t f e s o

a pra ti a l o a "o cur e ce o a o f n e s c c b e f n c r n " r n f e s

whi h m y re ul i a cla m To the e t n c a s t n i x e t un e Co e a e d r v r g B fo the sum o a l da a e r f l m g s

be a se o a l "pe so a i j ry a d "a v rt sin c u f l r n l n u " n d e i g

po si l , no i e sho l n l d : s b e t c u d i c u e

(1) Ho , whe a d whe e the "o cur e ce o w n n r c r n " r i j ry susta n d y a y o e pe so r r a i a i n n u " i e b n n r n o o g n z t o

5. Su j ct to Pa a r p b e r g a h 2. or 3. a o e whi he e b v , c v r

o fe se t o l ce f n o k p a ;

(2) The na e a d a dr sse o a y in ur d m s n d e s f n j e a pl e , the Ea h Occurr n e Li i i th m st we p i s c e c m t s e o

pe so s a d i n sse ; nd r n n w t e s a wi l p y fo he sum o : l a r t f

a. Da a e u d r Co e a e m g s n e v r g A ; and da a e a i i g o t o th "o cur e ce o m g r s n u f e c r n " r

(3) The na ur a d l ca i n o a y i j ry o t e n o t o f n n u r

b. M di a x e se un e o e a e e c l e p n s d r C v r g C ; o fe se f n . be a se o a l "bo i y i j ry a d "pro e ty da a e c u f l d l n u " n p r m g "

a i i g o t o a y o e "o cur e ce r s n u f n n c r n "

F r the pur o e o de e m ni g the a pl ca l o p s s f t r i n p i b e

Ea h Occurr n e Li i , a l re a e a t o c e c m t l l t d c s r

b. If a cl i i m de o "sui " i bro g t a a nst a m s a r t s u h g i

a y i sure , y u u t: n n d o m s

(1) Im e i t l re o d th spe i i s o the m d a e y c r e c f c f

cl i r "sui " a d he da e r ce v d nd a m o t n t t e i e ; a o i si n co m t e i pro i i g o fa l ng to m s o s m i t d n v d n r i i

(2) No i y us a so n a pr ct ca l t f s o s a i b e pro i e fi st a d o "Go d Sa a i a se v ce " to v d r i r o m r t n r i s

a y o e pe so wi l be de m d to be o e n n r n l e e n

Y u m st se to i tha e r ce v ri t n o i e o u e t t w e i e w t e n t c "o cur e ce c r n " o h cl i o "sui " a so n a pra t ca l f t e a m r t s o s c i b e

6. Su j ct to Pa a r p b e r g a h 5. a o e th Da a e To b v , e m g

Pre i e Re t d To Y u Li i i the m st we wil m s s n e o m t s o l

c. Y u a d ny o he n o v d n ure m st: o n a t r i v l e i s d u

(1) Im e i t l se d us co i s o a y m d a e y n p e f n pa und r Co e a e y e v r g A fo da a e be a se o r m g s c u f de a d , no i e , sum o se o le a m n s t c s m n s r g l "pre i e da a e to a y o e pre i e . The m s s m g " n n m s s

pa e s re e v d in co ne ti n wit th p r c i e n c o h e

Da a e To Pre i e Re t d To Y u Li i w l e m g m s s n e o m t i l b : cl i r "sui "; a m o t

1 0 02 1 T 0 9

(2) Au h ri e us to o ta n re o d a d o h r

t o z b i c r s n t e

(iii) An e e u i e o f ce o di e to o x c t v f i r r r c r f

i f rm t o ; a y o h r r a i a i n r n o a i n n t e o g n z t o ; o

(3) Co p r t wi h us i th in e ti a i n o o e a e t n e v s g t o r

(iv) A ruste f ny t u t; t e o a r s

se t e e t o the cl i o de e se a a nst

t l m n f a m r f n g i

th "sui "; nd e t a

(4) Assi t us, upo o r re ue t, i the s n u q s n

e fo ce e t o a y ri h a a n t a y n r m n f n g t g i s n

pe so o o ga i a i n whi h m y be l a l r n r r n z t o c a i b e

to th i sure be a se o in u y o da a e e n d c u f j r r m g

th t is y u pa t e , jo n v n u e a o r r n r i t e t r

m m e , m na e o ru te ; r e b r a g r r t s e o

(b) An e p o e a t o i e by such y m l y e u h r z d

pa t e shi , j i t v n ure li i e r n r p o n e t , m t d

l a i i y co p ny trust or ot e i b l t m a , h r

o ga i a i n to gi e no i e o a r n z t o v t c f n

to wh ch hi i sura ce m y a so a p y i t s n n a l p l "o cur e ce o o fe se c r n " r f n .

d. No in ure wi l e ce t a th t in ure 's o n s d l , x p t a s d w

co t, v l nt ri y m k a pa m n , a sum a y s o u a l a e y e t s e n

o l g ti n o in ur a y e pe se o h r tha fo b i a o , r c n x n , t e n r

fi st i , wi h u o r o se t. r a d t o t u c n n

(3) No i e to us o such "o cur e ce o t c f c r n " r

o fe se wi l be de m d to be gi e a so n f n l e e v n s o

a pra ti a l i it is gi e i go d fa th a s c c b e f v n n o i s

so n a pra ti a l to y u wo k r ' o s c c b e o r r e s

co p nsa i n in ure Thi a p i s o l if m e t o s r s p l e n y e. The fo l wi g pro i io s a p y to Pa a ra h l o n v s n p l r g p a.

y u subse ue tl gi e no i e to us o the o q n y v t c f a o e bu o l fo pur o e o th in ura ce b v , t n y r p s s f e s n

pro i e un e t i Co e a e Pa t o y u o a y v d d d r h s v r g r t o r n

"o cur e ce o o fe se a so n a c r n " r f n s o s

pra t ca l a t r a y o th pe so s c i b e f e n f e r n i sure l ste i Pa a r p n d i d n r g a h 1. or 2. o Se ti n f c o II

de cri e in Pa a ra h s b d r g p e.(1) or (2) a o e b v Who I A nsure : s n I d

(1) No i e to us o such "o cur e ce o t c f c r n " r

o fe se m st be gi e a so n a f n u v n s o s

di co e s tha th "o cur e ce o o fe se s v r t e c r n " r f n

m y re ul in sum to whi h the in ura ce a s t s c s n

pro i e un e th s Co e a e Pa t m y v d d d r i v r g r a

pra t ca l o l a t r th "o cur e ce o c i b e n y f e e c r n " r apply

o fe se is k o n to y u (i y u a e a f n n w o f o r n

Ho e e , i thi po i y i cl de a e do se e t w v r f s l c n u s n n r m n i d v du l , a y o y u pa tn rs or n i i a ) n f o r r e

m m e s who i a in i i u l (if y u a e a e b r s n d v d a o r

pa t e shi o jo n v n ure , a y o y u r n r p r i t e t ) n f o r

th t pro i e li i e co e a e fo "bo i y i j ry a v d s m t d v r g r d l n u "

o "pro e ty da a e o po l ti n co ts a i i g r p r m g " r l u o s r s n

o t o a di cha ge re e se o e ca e o u f s r , l a r s p f m na e s who is a in i i u l (i y u a e a a g r n d v d a f o r

l m te li b l ty co p n ), a y o y u i i d a i i m a y n f o r

"e e u i e o f ce s" o di e to s (i y u a e x c t v f i r r r c r f o r

a o g n z t o o h r tha a pa t e shi , n r a i a i n t e n r n r p

j i t v nt re o li i e l a i i y co pa y , o n e u , r m t d i b l t m n )

a y o y ur tr ste s who is a i d v du l (if n f o u e n n i i a

"po l t n s" whi h co t i s a re ui e e t tha l u a t c n a n q r m n t

th di cha ge re e se o e ca e o "po l t n s" e s r , l a r s p f l u a t

m st be re o te to us wi h n a spe i i n m e u p r d t i c f c u b r

o da s a t r i s a ru t co m n e e t, th s f y f e t b p m e c m n i

Pa a r p r g a h e. do s n t a fe t t a e u re e t. e o f c h t r q i m n

3. L g l c i n Ag i s s e a A t o a n t U y u a e a trust) o a y "e pl y e o r r n m o e "

No pe so o o g n z t o ha a ri h und r th s r n r r a i a i n s g t e i a t o i e by y u to gi e no i e o a u h r z d o v t c f n

Co e a e P rt v r g a : "o cur e ce o o fe se c r n " r f n

a. To jo n us a a pa t o o h r i e bri g us i t i s r y r t e w s n n o (2) If y u a e a pa t e shi , jo n v n ure o r r n r p i t e t , a "sui " a ki g o d m ge f o n n ure ; o t s n f r a a s r m a i s d r l m te li b l ty co pa y o tru t, a d no e i i d a i i m n r s n n

b. To sue us o th s Co e a e Pa t unl ss a l o n i v r g r e l f o y ur pa t e s, jo n v nt r m m e s, f o r n r i t e u e e b r

i s t rm ha e be n u l co p i d i h t e s v e f l y m l e w t m na e s o t u te s a e i di i u l , o i e a g r r r s e r n v d a s n t c to us o such "o cur e ce o o f nse m st f c r n " r f e u

A pe so o o ga i a i n m y sue us to re o e o r n r r n z t o a c v r n be gi e a so n a pra ti a l o l a t r v n s o s c c b e n y f e a a r e se t e e t o o a fi a ju g e t a a nst n g e d t l m n r n n l d m n g i th "o cur e ce o o fe se i k o n y e c r n " r f n s n w b : a in ure ; but we wil no be li b e fo da a e n s d l t a l r m g s th t a e no pa a l und r th te m o th s a r t y b e e e r s f i (a) An nd v du l w o i : y i i i a h s

Co e a e Pa t o tha a e i e ce s o the v r g r r t r n x s f (i) A pa t e o m m e o a y r n r r e b r f n a pl ca l l m t o in ura ce An a r e se tl m n p i b e i i f s n g e d t e e t pa t e shi r o n e t r ; r n r p o j i t v n u e m a s a se tl m n a d e e se o i b l t ig e y e n t e e t n r l a f l a i i y s n d b us, the i sure , a d the cl i a t o th cla m n ' n d n a m n r e i a t s (ii) A m na e o a y l m te l a i i y a g r f n i i d i b l t l ga e r se ta i e e l r p e n t v . co p ny m a ;

4. O h r n u an e

If v l d a d co l cti l o h r i sura ce is a a l bl o a i n l e b e t e n n v i a e t

( i t e I s r c i ) Tha i in ura ce fo "pre i e t s s n r m s s da a e ; m g "

( i ) i i If th lo s a i e o t o the e s r s s u f th i sure fo a lo s we co e unde Co e a e e n d r s v r r v r g s A

m i t na ce o use o a rcra t a n e n r f i f , or B o th s Co e a e Pa t o r o l g t o s a e f i v r g r , u b i a i n r

"a t s" o wa e cra t to the e t nt u o r t r f x e l m te a de cri e i a a ra h i i d s s b d n P r g p s a. and b. below no subj ct to a y e cl sio i th s t e n x u n n i

As use a y he e in th s Co e a e Pa t o h r d n w r i v r g r , t e

Co e a e Pa t th t a pl e to v r g r a p i s i sura ce m a s in ura ce o th fun i g o n n e n s n , r e d n f

a rcra t "a t s" o w t rcra t i f , u o r a e f ; l sse , ha s p o i e y hr u h o o b ha f o : o s t t i r v d d b , t o g r n e l f

(i) An t e i sura ce co pa y o h r n n m n ;

(ii) Us o n f ur ff l a e n ura ce co pa i s, r a y o o a i i t d i s n m n e

e ce t whe th No cum l t o o Ea h x p n e n u a i n f c

Occurr n e Li i pro i io o Pa a ra h e c m t v s n f r g p 5. of

Se ti n c o III Li i s Of Insura ce o th No m t n r e n

cum l ti n o Pe so a a d Adv rt sin In ur u a o f r n l n e i g j y

Li i pro i io o Pa a ra h m t v s n f r g p 4. o Se ti n f c o III

(iv) Tha is in ura ce a a l bl to a t s n v i a e

pre i e ow e , m na e or m s s n r a g r

l sso th t qua i i s a a in ure e r a l f e s n s d

un e Pa a ra h d r r g p 4. o Se t o f c i n II

Who Is An Insure , e ce t whe d x p n

Pa a r p r g a h d. be o pp i s; r l w a l e o

(v) Tha is i sura ce a a l b e to a t n n v i a l n

e ui m n l sso th t qua i i s a q p e t e r a l f e s

Li i s o In ura ce a p i s be a se th m t f s n p l e c u e a in ure unde Pa a r p n s d r r g a h 5. of

Am n m n No Cum l t o Of Ea h e d e t n u a i n c

Occurr n e Li i Of Li bi i y And No e c m t a l t n

Se ti n c o II Who Is An Insured,

e ce t whe Pa a ra h x p n r g p d. below

Cum l t o Of Pe so a A d Ad e t si g Inj ry u a i n r n l n v r i n u a pl e p i s

Li i e do se e t i i cl de n th s po i y m t n r m n s n u d i i l c ; (b) An o the o h r i sura ce whe he y f t e n n , t r

(iii) An i k e e ti n gro p; o y r s r t n o u r

(iv) Any self-insurance method or program, in

pri a y e ce s, co t n e t o o a y m r , x s n i g n r n n

o h r ba is, tha i a a l bl to th t e s t s v i a e e

i sure whe the i sure is a n d n n d n which case the insured will be deemed to be

th p o i e f o h r i sura ce a di i n l i sure , o is a y o e r v d r o t e n n d t o a n d r n ther

Ot e in ura ce do s no in l d um re l h r s n e t c u e b l a

i sura ce o e ce s in ura ce th t wa bo g t n n , r x s s n , a s u h

spe i i a l to a p y in e ce s o th Li i s o c f c l y p l x s f e m t f

In ura ce sho n in the De l ra i ns o th s s n w c a t o f i

i sure tha do s no qu l fy a a n d t e t a i s

na e i sure , un e such o h r m d n d d r t e

i sura ce n n

(2) Whe th s i sura ce i e ce s, we wil n i n n s x s l

ha e no dut und r Co e a e v y e v r g s A or B to Co e a e P rt v r g a

As use a y he e in th s Co e a e Pa t o h r d n w r i v r g r , t e

de e d th i sure a a nst a y "sui " i a y f n e n d g i n t f n

o h r in ure ha a du y to de e d the t e s r s t f n i sure m a s a pro i e o o h r in ura ce As n r e n v d r f t e s n

i sure a a n t tha "sui ". If no o h r n d g i s t t t e use in Pa a ra h d r g p c. be o , in ure m a s a l w s r e n

i sure de e d , we wi l un e t k t o so n r f n s l d r a e o d , pro i e f n ura ce v d r o i s n .

bu we wi l b nt t e t h i sure ' ri h s t l e e i l d o t e n d s g t

a a nst l h se o h r nsur r g i a l t o t e i e s a. P i ary I su an e r m n r c

Thi insura ce is pri a y ex e t whe s n m r c p n

Pa a r p r g a h b. be o a pl e If th s i sura ce i l w p i s i n n s

(3) Whe thi in ura ce i e ce s o e o h r n s s n s x s v r t e

i sura ce we wi l pa o l o r sha e o the n n , l y n y u r f

a o nt o the lo s, i a y th t e ce d the m u f s f n , a x e s pri a y o r o l g ti n a e no a f cte un e s m r , u b i a o s r t f e d l s sum of:

a y o th o h r i sura ce is a so pri a y n f e t e n n l m r

(a) The to a a o nt tha a l such o h r t l m u t l t e The , we wi l sha e wi h a l t a o he n ura ce n l r t l h t t r i s n

i sur n e wo l pa fo th lo s i th n a c u d y r e s n e by t e m th d e cri e n Pa a r p h e o d s b d i r g a h c. be o , l w

a se ce o hi i sura ce n b n f t s n n ; a d e ce t h n a a ra h x p w e P r g p d. be o pp i s. l w a l e

(b) The to a o a l de u ti l a d se f t l f l d c b e n l - b Ex e s I s ran e . c s n u c i sure a o nt unde a l th t o h r n d m u s r l a t e

(1) Thi i sura ce i e ce s o e : s n n s x s v r

i sur n e n a c .

(4) We wi l sha e the re a n ng l ss, if a y l r m i i o n , (a) An o the o he in ura ce whe he y f t r s n , t r

wi h a y o he in ura ce th t i no t n t r s n a s t pri a y e ce s, co t n e t o o a y m r , x s n i g n r n n de cri e in thi Ex e s Insura ce s b d s c s n o h r b si : t e a s pro i i n a d wa no bo g t spe i i a l t v s o n s t u h c f c l y o (i) Tha is Fi e Ex e d d Co e a e t r , t n e v r g , a pl i e ce s o the Li i s o In ura ce p y n x s f m t f s n Bu l e ' Ri k In ta l t o Risk o i d r s s , s l a i n r sho n i th De l r t o s o thi Cov r g w n e c a a i n f s e a e si i a o e a e fo "y ur o k ; m l r c v r g r o w r " Part

c. Meth d O h rin

a. o f S a g

If a l o the o he i sura ce pe m t co t i ut o

l f t r n n r i s n r b i n by e u l sha e , w i l fo l w t i m t o l o q a r s e w l l o h s e h d a s .

e ua a o n s unt l it ha pa d it a pl ca l q l m u t i s i s p i b e

l m t o in ura ce o no e o th l ss re a ns, i i f s n r n f e o m i

The sta e e t in th De l ra i ns a e

t m n s e c a t o r

a cura e a d co p e e c t n m l t ;

b. Tho e sta e e ts a e ba e upo s t m n r s d n

Und r th s a pr a h e ch in ure co t i ut s re re e t ti n y u e i p o c a s r n r b e p s n a o s o a e to us; n m d a d

c. We ha e i sue th s po i y i re i n e up n v s d i l c n l a c o

y ur e re e ta i ns. o r p s n t o whi he e o e fi st. c v r c m s r

The uni te ti n l o i sio o , o uni t n i na e ro n n o a m s n f r n e t o l r r

If a y o th o h r i sura ce do s no pe m t n f e t e n n e t r i i , a y i f rm ti n pro i e by y u whi h we re i d n n n o a o v d d o c l e co tr bu i n by e u l sha e , we wi l co t i ut n i t o q a r s l n r b e

up n i issui g th s po i y wi l no pre u i e y u o n n i l c l t j d c o r

by l m t . Und r th s m t o , e ch i sure 's i i s e i e h d a n r ri ht unde th s in ura ce Ho e e , thi pro i i n g s r i s n . w v r s v s o sha e is ba e o the ra i o i s a p i a l i i r s d n t o f t p l c b e l m t do s no a f ct o r ri h to co l ct a di i n l e t f e u g t l e d t o a o in ura ce to th to a a pl ca l li i s o f s n e t l p i b e m t f pre i m o to e e ci e o r rig t o ca ce l t o o m u r x r s u h s f n l a i n r i sura ce o l nsure s. n n f a l i r no re e a i cco d nce w t pp i a l n ura ce n n w l n a r a i h a l c b e i s n

d P i a y And No -Co trib t ry In u an e If . r m r n n u o s r c l ws o e ul t o s. a r r g a i n

Req i ed B Wri te o trac u r y t n C n t

If y u spe i i a l a re i a wri t n co t a t o o c f c l y g e n t e n r c r

7. Se arat o f n u ed p i n O I s r s

Ex e t wi h re pe t to the Li i s o In ura ce a d c p t s c m t f s n , n

a re m nt tha the i sura ce a fo d d to a g e e t n n f r e n a y ri h s o du i s spe i i a l a sig e i th s n g t r t e c f c l y s n d n i

i sure un e hi Co e a e Pa t m st p l n n d d r t s v r g r u a p y o

Co e a e Pa t to the fi st Na e Insure , th s v r g r r m d d i

a pri a y ba i , o a pri a y a d no - m r s s r m r n n i sura ce a pl e : n n p i s

co tr bu o y ba is, th s i sura ce is pri a y to n i t r s i n n m r

a. As i e ch Na e In ure we e the o l f a m d s d r n y o h r in ura ce th t i a a l bl o such i sure t e s n a s v i a e t n d

Na e n ure ; nd m d I s d a whi h o e s such n ure a a n m d i sure , c c v r i s d s a e n d

b. Se a a e y to e ch in ure a a n t who cl i p r t l a s d g i s m a m a d we wil no sha e wi h th t o h r in ura ce n l t r t a t e s n ,

i m d o "sui " i b o g t s a e r t s r u h . pro i e ha : v d d t t

(1) The "bo i y i j ry o "pro e ty da a e fo d l n u " r p r m g " r

8. Tra sfe O i h s O e o ery Ag i s t ers n r f R g t f R c v a n t O h

To Us whi h co e a e i so gh o cur ; nd c v r g s u t c s a

(2) The "pe so a a d a v rt sin i j ry fo r n l n d e i g n u " r

If the i sure ha ri h s to re o e a l o pa t o a y n d s g t c v r l r r f n

pa m n we ha e m d unde thi Co e a e Pa t y e t v a e r s v r g r , whi h co e a e is so gh i ca se by a c v r g u t s u d n

th se ri ht a e tra sfe re t us. he i sure ust o g s r n r d o T n d m o fe se t a i co m t e ; f n h t s m i t d

do no h ng a te l ss to i p i th m At o r re u st, t i f r o m a r e . u q e subse u nt to the si n ng o tha co tr ct o q e g i f t n a r

th i sure wi l bri g "sui " o tra sfe tho e ri h s e n d l n t r n r s g t a re m nt by y u g e e o

5. P e i m Au i r m u d t

a. We wi l co p t a l p e i m f r h s Co e a e l m u e l r m u s o t i v r g

to us a d h l s e f rce t e n e p u n o h m

9. Wh n We D N t en w e o o R e

If we d ci e n t o r n w h s Co e a e P rt e wi l e d o t e e t i v r g a , w l Pa t i cco d nce w t ur u e a d a e . r n a r a i h o r l s n r t s

b. Pre i m sho n in th s Co e a e Pa t a m u w i v r g r s

m i o de i e to th fi st Na e In ure sho n in a l r l v r e r m d s d w

th De l ra i n wri te no i e o the no r n wa e c a t o s t n t c f n e e l a v nce pre i m i a de o i pr m um o l . A d a m u s p s t e i n y t

no l ss th n 0 da s be o e t e e pi a i n da e t e a 3 y f r h x r t o t . th clo e o e ch a d t pe i d we wi l co p t e s f a u i r o l m u e

If no i e is m i e , pro f o m i i g wi l be suffi i n t c a l d o f a l n l c e t th e rn d pre i m fo th t pe i d a d se d e a e m u r a r o n n pro f f o i e o o n t c no i e t th fi st Na e I sure The du da e t c o e r m d n d e t

SE TI N V D F N T O S C O E I I I N fo a di a d re ro pe ti e p e i m i t e d t r u t n t s c v r m u s s h a e

1. " shown as the due date on the bill. If the sum of Ad e t se e t" m a s a no i e th t s br a ca t o v r i m n e n t c a i o d s r pu l she to the ge e a pub i o spe i i m r b i d n r l l c r c f c a the advance and audit premiums paid for the ket po i y pe i d is gre te tha the e rn d l c r o a r n a e se m nt a o t y ur go ds, pro u ts o ser i e g e s b u o o d c r v c s fo th purp se o a t a ti g custo e s o r e o f t r c n m r r premium, we will return the excess to the first Na e nsure . supp rt r . o h p r o e o hi de i i i n m d I d o e s F r t e u p s s f t s f n t o :

c. The fi st Na e In ure m st k e re o d o r m d s d u e p c r s f a. No i e th t a e publ she i cl de m t r a t c s a r i d n u a e i l th in o m t o we ne d fo pre i m pl ce o the Int rn t o o e f r a i n e r m u a d n e e r n sim l r e e tr n c i a l c o i co p t ti n a d se d us co i s a such t m s m u a o , n n p e t i e m a s o co m ni a i n; a d e n f m u c t o n a we m y re u st. s a q e

b. Re a di g we sit s, o l tha pa t o a we si e g r n b e n y t r f b t

6. Rep es n ati n r e t o s th t is a o t y u go d , pro u ts o se v ce a b u o r o s d c r r i s fo th pur o e o a t a t ng custo e s o r e p s s f t r c i m r r By a ce ti g t i p l cy o gre : c p n h s o i , y u a e supp rt r i co si e e a a v rt se e t o e s s n d r d n d e i m n

2. "Ad e t si g i j ry : v r i n n u "

a. M a s in ur ca se by o e o m re o the e n j y u d n r o f

b. In by o wit a y o he e e t o i m a s o , r h n t r l c r n c e n f

co m n ca i n such a th In e n t, if tha m u i t o , s e t r e t

m te i l i p r f: a r a s a t o fo l wi g o fe se : l o n f n s

(1) Ora o writ e pub i a i n incl di g l r t n l c t o , u n

(1) Ra i o te e i i n pro r m i g be ng d o r l v s o g a m n i

tr n m t e ; a s i t d pu l ca i n by e e t o i m a s, o m t ri

l b i t o l c r n c e n f a e a i y ur "a v rt se e t th t sla d rs o n o d e i m n " a n e r

l b l a pe son or or a i a i n or i e s r g n z t o

di pa a e a pe so ' o o ga i a i n s s r g s r n s r r n z t o '

go ds, pro u ts o se v ce , pro i e tha o d c r r i s v d d t

th cla m i m d o he "sui " i b o g t by e i s a e r t t s r u h

a pe so o o g ni a i n h t cl i s to ha e r n r r a z t o t a a m v

be n sla d re o li e e , o tha cla m to e n e d r b l d r t i s

ha e ha it go ds, pro uct o se v ce v d s o d s r r i s

di pa a e ; s r g d

(2) Ora o writ e pub i a i n incl di g l r t n l c t o , u n

(2) Ot e en e ta n e t e uca i n l h r t r i m n , d t o a ,

i structi n l m si o ne s pro r m i g n o a , u c r w g a m n

be n ra sm t e ; o i g t n i t d r

(3) Ad e t si g tra sm t e wi h a y o such v r i n n i t d t n f

pro ra m n . g m i g

6. "Co e a e t rri o y m a s: v r g e t r " e n

a. The Uni e Sta e o Am ri a (i cl di g i s t d t s f e c n u n t

te r t r e a d po se si ns), Pue t Ri o a d r i o i s n s s o r o c n

Ca a a n d ; pu l ca i n by e e t o i m a s, o m t r a b i t o l c r n c e n f a e i l

i o r "a v rt se e t th t: n y u d e i m n " a

b. In e na i na wa e s o a rspa e but o l if the t r t o l t r r i c , n y

(a) Ap ro ri t s a pe so ' na e v i e p p a e r n s m , o c , i j ry o da a e o curs in th co rse o tra e n u r m g c e u f v l

ph t gr p r i e e s; o o o a h o l k n s r

o tra spo t t o be w e a y pl ce in l d d r n r a i n t e n n a s c u e

i Pa a r p n r g a h a. a o e r b v ; o (b) Unre so a l pl ce a pe so in a a n b y a s r n fa se l gh ; r l i t o

(3) In r ng m nt o co y i ht "ti l " o "sl g n" f i e e f p r g , t e r o a

i y u "a v rt se e t , pro i e tha th n o r d e i m n " v d d t e

c. Al o h r pa t o th wo l if th i j ry o l t e r s f e r d e n u r

da a e a i e o t o : m g r s s u f

(1) Go ds o pro uct m d o so d by y u in o r d s a e r l o cl i i m d o th "sui " i bro gh by a a m s a e r e t s u t th te ri o y de cri e i Pa a r p e r t r s b d n r g a h a. pe so o o ga i a i n tha cla m r n r r n z t o t i s a o e b v ; o ne shi o such co y i ht "ti l " o w r p f p r g , t e r

(2) The a ti i i s o a pe so who e ho e i i c v t e f r n s m s n "sl g n . o a "

b. In l d s "bo i y in ur " ca se by o e o m r c u e d l j y u d n r o e

th te ri o y de cri e i Pa a r p e r t r s b d n r g a h a.

a o e but i a a fo a sho t ti e o y ur b v , s w y r r m n o o the o f n e de crib d in Pa a ra h f f e s s s e r g p a.

bu i e s; r s n s o a o e b v

(3) "Pe so a a d a v rt sin i j ry o fe se r n l n d e i g n u " f n s

3. "Au o m a s: t " e n th t ta e pl ce th o g th In e ne o a k a r u h e t r t r

a. A l nd m t r v h cl , tra l r o se i r i e a o o e i e i e r m t a l r si i a l ct o i m a s o o m n ca i n m l r e e r n c e n f c m u i t o ; de i n d fo tra e o pub i ro ds, i cl di g s g e r v l n l c a n u n

pro i e the insure ' re po sib l ty to pa v d d d s s n i i y a y a t che a hi e y o qu pm n ; r n t a d m c n r r e i e t o

da a e is de e m n d in a "sui " o th m r t i m g s t r i e t n e e i s n

b. An o he la d v h cl th t is sub e t to a y t r n e i e a j c th te ri o y de cri e i Pa a r p e r t r s b d n r g a h a. a o e o i b v , r n a co p l o y o fi a ci l re po si i i y la , o m u s r r n n a s n b l t w r

se t e e t we a re o t l m n g e t o h r m to v hi l i sura ce l w, whe e i i t e o r e c e n n a r t s

7. "El ct o i da a m a s in o m t o , fa t o e r n c t " e n f r a i n c s r l ce se r ri ci a l a a e . i n d o p n p l y g r g d

Ho e e , "a t " do s no in l d "m bi e w v r u o e t c u e o l

pro ra s sto e a o o , cre te o use o , o g m r d s r n a d r d n r

tr n m t e to o fro co pu e so tw r (i cl d ng a s i t d r m m t r f a e n u i e ui m n ". q p e t

sy te s a d a p i a i ns so tw r ) ha d o fl p y s m n p l c t o f a e , r r o p

4. "Bo i y i j r " m a s: d l n u y e n di ks, CD-ROM , ta e , dri e , cel s, da a s s p s v s l t pro e sin de i e o a y o h r m di whi h a e c s g v c s r n t e e a c r a. Ph si a ha m i cl di g si kn ss o di e se y c l r , n u n c e r s a ,

use i h e e t o i a l co t o l d e ui m n d w t l c r n c l y n r l e q p e t susta n d y a pe so ; o i e b r n r

b. M nt l a g i h, i j ry o i l e s, o e o i n l e a n u s n u r l n s r m t o a

8. "Em l y e i cl de a "l a e wo k r". "Em l y e p o e " n u s e s d r e p o e " di tre s, re ul i g a a y ti e fro such s s s t n t n m m do s n t i cl d "te po a y wo k r e o n u e a m r r r e " ph si a h rm i k e s o di e se y c l a , s c n s r s a

9. "Ex cut v o f ce " m a s a pe so ho di g a y o e i e f i r e n r n l n n f

5. "Bro dca ti g m a s tra sm tt n a y a d o o a s n " e n n i i g n u i r th o fi e po it o s cre te by y u cha t r, e f c r s i n a d o r r e v sua a e i l fo ny p r o e i l m t r a r a u p s :

co sti u i n by a s o a y o h r sim l r go e n ng n t t o , l w r n t e i a v r i do um n . c e t a. By ra i o e e i io ; o d o r t l v s n r

10. "Go d Sa a i a se v ce " m a s a y e e g n y

tr ck , ro db d o m r t n r i s e n n m r e c

a s a e s, tu n l und r a s n e , e p s or m di a se v ce fo whi h no co p n a i n is

cro sin ; e c l r i s r c m e s t o s g

de a d d r e e v d m n e o r c i e

11. "Ho ti e fi e m a s a fi e whi h be o e

(2) Tha i d m i i s a a chi e t, e g ne r o t n e n f e n r t c n i e r

surv y r o i j ry o a a s l r " e n r c c m s e o f r n u r d m g ri in ut o : e a s g o f

un o tr l a l o bre k o t fro whe e i wa

c n o l b e r a s u m r t s

(a) Pre a i g a pr v ng o fa l n to p r n , p o i , r i i g i t nd d o b n e e t e pr pa e or ap r v , m p , sho e r p o e a s p

12. "Im a re pro e t " m a s ta g bl pro e t , o he dra i g , o i p i d p r y e n n i e p r y t r w n s p n o s, re o ts, surv i n p r eys, th n "y ur pro uct o "y ur wo k , tha ca n t be

fi l o d rs, cha g a o d " r o r " t n o e d r e n e o d rs o ra i gs r e r d w n

use r s l ss use u e a se a d pe i i a i ns; r d o i e f l b c u : n s c f c t o o

a. It i co po a e "y ur pro uct o "y ur wo k n r r t s o d " r o r "

(b) Gi i g di e t o s o i stru ti n , o v n r c i n r n c o s r th t is kn wn o th ug t to be de e t v , fa l ng to gi e th m if a o r o h f c i e i i v e , th t is the a de i i n , n de u te o a g ro s; o pri a y ca se o the in u y o f c e t i a q a r d n e u r m r u f j r r da a e m g ; or

b. Y u ha e fa l d to ful i l the te m o a co tr ct o v i e f l r s f n a

(3) Und r whi h the i sure , if a a chi e t, e c n d n r t c or agreement; e gi e r o surv y r, a sum s l a i i y fo n n e r e o s e i b l t r i such pro e t ca be re to e to use by t e f p r y n s r d h

a in u y o da a e a i in o t o the n j r r m g r s g u f re a r, re l ce e t, a j stm nt o re o a o "y ur p i p a m n d u e r m v l f o

i sure 's re de i g o fa l r to re de n d n r n r i u e n r pro uct o "y ur wo k o y u fu fi l n t e te m o d " r o r " r o r l l i g h r s f

th co t a t o gr e e t. e n r c r a e m n

pro e si n l se v ce , in l d n ho e l ste f s o a r i s c u i g t s i d

i Pa a r p n r g a h (2) a o e a d sup r i o y b v n e v s r ,

13. "In ure co t a t m a s: s d n r c " e n i spe t o , a chi e tu a o e g ne ri g n c i n r t c r l r n i e n

a. A co t a t fo a l a e o pre i e Ho e e , n r c r e s f m s s w v r

th t po t o o t e co t a t fo a l a e o a r i n f h n r c r e s f

a t v ti s. c i i e

14. "Le se wo k r" m a s a pe so l a e o y u b a d r e e n r n e s d t o y a

pre i e tha in e n f e a y pe so o m s s t d m i i s n r n r l bo l a in fi m unde a a r e e t be we n y u a r e s g r r n g e m n t e o o ga i a i n fo "pre i e da a e i no a r n z t o r m s s m g " s t n a d the la o le si g fi m to pe f rm dut e re a e n b r a n r , r o i s l t d

"i sure o tr ct ; n d c n a " to the co d ct o y ur bu i e s. "Le se wo k r" n u f o s n s a d r e

b. A i e ra k a re m n ; s d t c g e e t

c. An e se e t o li e se a re m nt e ce t in y a m n r c n g e e , x p

do s n t i cl d "te p ra y wo k r e o n u e a m o r r e "

15. "Lo di g o unl a i g" m a s th ha d i g o a n r o d n e n e n l n f

pro e ty p r : co ne ti n wi h co stru ti n o de o i i n n c o t n c o r m l t o

o e a

Af e i is m v d fro th pl ce whe e i is p r t r t o e m e a r t ti n o o i h n 5 e t o a ro d o s n r w t i 0 f e f a r i a ;

a. l

d. An o l ga i n, a re u re by o d na ce to b i t o s q i d r i n ,

a ce t d fo m v m n i t o o t a a rcra t c p e r o e e t n o r n o n i f ,

wa e cra t r "a t "; t r f o u o i d m i y a m n ci a i y e ce t i co ne ti n n e n f u i p l t , x p n n c o

wi h o k f r a m ni i a i y t w r o u c p l t ;

e. An e e a o a nt na ce a re m nt l v t r m i e n g e e ;

b. Whi e i is i o o a a rcra t wa e cra t o l t n r n n i f , t r f r

"a t "; r u o o

c. Whi e i is be n m v d fro a a rcra t l t i g o e m n i f , f. Tha pa t o a y o he co t a t o a re m nt t r f n t r n r c r g e e

wa e cra t o "a t " to th pl ce whe e i is t r f r u o e a r t p r a n n to y ur busi e s (i cl di g a e t i i g o n s n u n n

fi a l e i e e ; n l y d l v r d i de n fi a i n o a m ni i a i y i co ne t o n m i c t o f u c p l t n n c i n wi h wo k pe f r e fo a m n ci a i y und r t r r o m d r u i p l t ) e bu "l a i g o unl a i g do s no i cl de the t o d n r o d n " e t n u whi h y u a sum th to t li b l t o a o h r m v m nt o c o s e e r a i i y f n t e o e e f pro e ty by m a s o p r e n f a m ch n ca e a i l pa t to pa fo "bo i y in ur ", "pro e ty de i e o h r tha a ha r y y r d l j y p r v c , t e n n tr ck tha i no a ta he d u , t s t t c d da a e o "pe so a i j ry t a thi d pe so m g " r r n l n u " o r r n to t e a rcra t w t rcra t o "a t ". h i f , a e f r u o o o ga i a i n To t l a i i y m a s a li b l ty r r n z t o . r i b l t e n a i i 16. "M bi e e u pm n " m a s a y o the fo l wi g o l q i e t e n n f l o n th t wo l be i po e by l w i t e a se ce o a u d m s d a n h b n f ty e o la d v hi l s, i cl di g a y a ta he p s f n e c e n u n n t c d a y co t a t r g e m nt n n r c o a r e e m chi e y o e ui m nt a n r r q p e : Pa a r p r g a h f. do s no i cl de th t pa t o a y e t n u a r f n a. Bu l o e s, fa m m chi e y fo k i ts a d o h r l d z r r a n r , r l f n t e co tr ct o a re m n : n a r g e e t v hi l s de i n d fo use pri ci a l o f pub i e c e s g e r n p l y f l c (1) Tha i d m i i s a ra l o d fo "bo i y ro d ; t n e n f e i r a r d l a s i j ry o "pro e ty da a e a i i g o t o n u " r p r m g " r s n u f b. Ve i l s m i t i e fo use so e y o o ne t to h c e a n a n d r l l n r x co stru ti n o de o i i n o e a i ns, n c o r m l t o p r t o pre i e y u wn r e t m s s o o o r n ; wi hi 50 fe t o a y ra l o d pro e t a d t n e f n i r a p r y n

c. Ve i l s t a t a e n ra l r t e ds; h c e h t r v l o c w e r a a fe t ng a y ra l o d bri g o tre tl , f c i n i r a d e r s e

d. Ve i l s, whe he sel -pro e l d o no , h

c e t r f p l e r t

m i ta n d pri a i y to pro i e m b l ty to

pe m ne t y m u t d: r a n l o n e

b. An a t o o i si n co m t e in pro i i g o

c r m s o m i t d v d n r

fa l ng to pro i e fi st a n i e m r l v d o i i i i v d r a d o "Go d Sa i r o m ri a a t n

se v ce " to a pe so , un e s y u a e i the r i s r n l s o r n

bu i e s o occup ti n of pro i i g s n s r a o v d n (1) Po e cra e , sho e s, l a e s, di g rs o w r n s v l o d r g e r

dri l ; o l s r

pro e sio a e l h ca e se v ce f s n l h a t r r i s

18. "Pe so a a d a v r i i g i j ry m a s "pe so a r n l n d e t s n n u " e n r n l (2) Road construction or resurfacing

e ui m n such a gra e s, scra e s o i j ry o "a v rt sin n q p e t s d r p r r n u " r d e i g i j r ". u y

ro l rs; l e

e. Ve i l s no de crib d i Pa a r p h c e t s e n r g a h a. , b. , c.

19. "Pe so a n ur ": r n l i j y

a. M a s i j ry o he tha "a v rt sin in u y , e n n u , t r n d e i g j r " or d. a o e th t a e no se f pro e l d a d a e b v a r t l - p l e n r

m i t i e pri a i y to pro i e m b l t to a n a n d m r l v d o i i y

ca se by o e o m r o th fo l w ng u d n r o e f e l o i

o fe se : f n s pe m n n l a ta he e u p e t of the r a e t y t c d q i m n

fo l wi g t p s: l o n y e

(1) Ai co pr sso s, pum s a d ge e a o s, r m e r p n n r t r

(1) F l e a re t, de e t o r m ri o m n ; a s r s t n i n o i p s n e t

(2) M l ci us pr se ut o ; a i o o c i n i cl d ng spra i g, we d ng bui d ng n u i y n l i , l i

cl a i g ge ph si a e pl ra i n, l gh i g e n n , o y c l x o t o i t n

a d e l se v ci g e ui m nt r n w l r i n q p e ; o

(2) Che ry pi k rs a d si i a de i e use to r c e n m l r v c s d

ra se o o e o k rs; i r l w r w r e

(3) The wro gf l e i t o fro , wro gf l e tr n u v c i n m n u n y

i t , o in a i n o the ri h o pri a e n o r v s o f g t f v t

o cup ncy o a ro m dwe l n o pre i e c a f o , l i g r m s s

th t a pe so o cup e , pro i e tha the a r n c i s v d d t

wro g u v ct o , wro g u nt y o n a i n n f l e i i n n f l e r r i v s o f. Ve i l s no de crib d i Pa a r p h c e t s e n r g a h a. , b. , c.

or d. a o e m i ta n d pri a i y fo pu po e b v a n i e m r l r r s s

o h r tha th tra spo t t o o pe so s o t e n e n r a i n f r n r

ca g . r o

Ho e e , se f pro e l d v h cl s wi h th w v r l - p l e e i e t e

o the ri h o pri a e o cupa cy is f g t f v t c n

co m t e by o o be a f o the o ne , m i t d r n h l f w r

l nd o d o le so o tha ro m dwe l ng o a l r r s r f t o , l i r

pre i e ; m s s

(4) Ora o writ e pub i a i n incl di g l r t n l c t o , u n fo l wi g ty e o pe m n nt y at a he l o n p s f r a e l t c d

pu l ca i n by e e t o i m a s, o m t r a b i t o l c r n c e n f a e i l e ui m nt a e no "m bi e e u pm n " bu wil q p e r t o l q i e t t l

th t sl nd r o l b l a pe so o a a e s r i e s r n r be co si e e "a t s": n d r d u o

o ga i a i n o di pa a e a pe so 's o r n z t o r s r g s r n r (1) Eq i m nt de ig e ri a i y f r: u p e s n d p m r l o

(a) Sn w r m v l o e o a ;

o ga i a i n s go d , pro u ts o se v ce , r n z t o ' o s d c r r i s

pro i e t a the cl i i m d r he "sui " v d d h t a m s a e o t t

i bro g t by a pe so o o g n z ti n tha s u h r n r r a i a o t (b) Ro d m i t na ce but no a a n e n , t co stru ti n o r surfa i g; o

cl i s to ha e be n sl nd r d o i e n c o r e c n r a m v e a e e r l b l d, o e r

th t cl i s to ha e ha i s go ds, pro u ts a a m v d t o d c (c) St e t l a i g; r e c e n n

o se v ce di pa a e ; o r r i s s r g d r (2) Che ry pi ke s an sim l r de i e r c r d i a v c s

(5) Ora o wri te publ ca i n, in l d n l r t n i t o c u i g m un e o a t m bi e o truck cha sis o t d n u o o l r s

pu l ca i n by e e tr n c m a s, o m t ri l b i t o l c o i e n f a e a a d se t a se o o e o k rs; a d n u d o r i r l w r w r e n

(3) Ai co pr sso s, pum s a d ge e a o s, r m e r p n n r t r

i cl di g spra i g we di g bui di g n u n y n , l n , l n

that:

(a) Ap ro ri t s a pe so ' na e v i e p p a e r n s m , o c , cl a i g ge ph si a e pl ra i n, l gh i g e n n , o y c l x o t o i t n

a d e l se v ci g e ui m nt n w l r i n q p e

Ho e e , "m bi e e u p e t do s no i cl de a y w v r o l q i m n " e t n u n

ph t gr p r i e e s; o o o a h o l k n s r

(b) Unre so a l pl ce a pe so in a a n b y a s r n

fa se l gh l i t l nd v h cl th t is sub e t to a co pu so y o a e i e a j c m l r r

b. In l d s "bo i y in ur " ca se by o e o m r c u e d l j y u d n r o e financial responsibility law, or other motor vehicle

i sura ce l w, whe e i is l ce se o pri ci a l o the o f n e n n a r t i n d r n p l y f f e s s de crib d in Pa a ra h s e r g p a. ga a e Such la d v h cl s a e co sid re r g d n e i e r n e d a o e b v "a t s". u o

20. "Po l t n s" m a a y so i , l qu d ga e u o l u a t e n n l d i i , s o s r

17. "Occurr n e m a s: e c " e n

th rm l irr t n o co t m n nt i cl di g sm k , e a i a t r n a i a , n u n o e v po , so t, fu e , a i s, a k l s, che i a s a d a r o m s c d l a i m c l n a. A a ci e t, i cl di g co ti uo s o re e t d n c d n n u n n n u r p a e wa te Wa te in l d s m te i l to be re y l d, s s c u e a r a s c c e e po ure to substa t a l th sa e ge e a x s n i l y e m n r l re o di i n d o r cl i e c n t o e r e a m d ha m ul co di i n ; r r f n t o s o

21. "Pre i e da a e m a s:

m s s m g " e n n a l s r r t o a

a. Wit re pe t to th fi st pa a ra h o the h s c e r r g p f

e ce ti n in Ex l sio x p o s c u n j. o Se ti n f c o I

Co e a e v r g A Bo i y In ur And Pro e t d l j y p r y

co tr ct ca l fo wo k a m re th n

o e j b i e n o s t

j b si e ha be n put to it i t nd d o t s e s n e e

Da a e Li b l ty "pro e ty da a e to a y

m g a i i , p r m g " n

pre i e whi e re t d to y u fo a pe i d o m s s l n e o r r o f

se e o fe e co se ut v da s, in l d ng the v n r w r n c i e y c u i

co te ts o uch re i e ; r n n f s p m s s o

b. Wit re pe t to th e ce t o to Ex l si ns h s c e x p i n c u o c.

th o g r u h n. i he l st a a ra h o a a r p n t a p r g p f P r g a h 2.

o Se ti n f c o I Co e a e v r g A Bo i y Inj ry And d l u

Pro e ty Da a e L a i i y "pro e ty d m ge to p r m g i b l t , p r a a "

a y pre i e whi e re t d t y u fo a pe i d o n m s s l n e o o r r o f

m re th n se e co se ut v da s, o whi e o a v n n c i e y r l

te p ra i y o cup e by y u wi h pe m ssio o m o r l c i d o t r i n f

th o n r, ca se y e w e u d b :

(1) Fire;

(2) Ex l si n; p o o

use b ny p r o o rg n z t o th r y a e s n r o a i a i n o e

th n an th r co tr ct r or a o e n a o

subco t a t r wo k n o th sa e n r c o r i g n e m

pro e t j c

Wo k tha m y ne d se v ce m i t na ce r t a e r i , a n e n ,

co r ct o , re a r o re l ce e t, bu w i h r e i n p i r p a m n t h c

i o h rwi e co pl t , wi l be tre t d a s t e s m e e l a e s

co p e e m l t d

b. Do s no in l d "bo i y in u y o "pro e ty e t c u e d l j r " r p r

da a e a i i g o t o : m g " r s n u f

(1) The tr n po t ti n o pro e t , unl ss the a s r a o f p r y e

i j ry o da a e a i e o t o co d t o n n u r m g r s s u f a n i i n i

o on a v h cl no o n d o o e a e by r e i e t w e r p r t d

(3) Lightning; l a i g o unl a i g" o d n r o d n

(4) Sm k re ul i g fro fi e e pl sio o o e s t n m r , x o n r

y u, a d tha co di i n wa cre t d by the o n t n t o s a e " o h t e i l b ny f t a v h c e y a

i sure ; n d

l g t i g r i h n n ; o (2) The e i te ce o to l , uni sta l d x s n f o s n l e

(5) Wa e . t r

Bu "pre i e da a e un e thi Pa a r p t m s s m g " d r s r g a h

e ui m nt o ab nd n d o unuse q p e r a o e r d

m te i l ; r a r a s o

(3) Pro uct o o e a i n fo whi h th d s r p r t o s r c e b. do s no in l d "pro e ty da a e to a y e t c u e p r m g " n

cl ssi i a i n, li te i th De l ra i ns o a f c t o s d n e c a t o r pre i e ca se b : m s s u d y

(1) Rup u e bu sti g o o e a i n o pre sure t r , r n , r p r t o f s

i a po i y Sche u e sta e th t pro uct - n l c d l , t s a d s

co p e e o e a i n a e subj ct to the m l t d p r t o s r e re i f e i e ; l e d v c s

(2) Rup u e o bu sti g due to e p nsio o t r r r n x a n r

Ge e a g re a e Li i . n r l A g g t m t

23. "Pro e ty d m ge m a s: p r a a " e n swe l n o th co t n s o a y bui d n o l i g f e n e t f n l i g r

a. Ph si a in u y to ta gi l pro e t , in l d ng a l y c l j r n b e p r y c u i l stru tu e ca se b r e ul i g r m w t r; c r u d y o r s t n f o a e

re ul i g l ss o use o th t pro e t . Al such s t n o f f a p r y l or l ss o use wi l be de m d to o cur t t e t m f o f l e e c a h i e o

(3) Ex l si n o ste m bo l r , ste m pi e , p o o f a i e s a p s

th p y i a n u y t a ca se t r e h s c l i j r h t u d i ; o ste m e gi e o te m t r i e a n n s r s a u b n s

b. Lo s o use o ta gi l pro e ty tha i no s f f n b e p r t s t

ph si a l in ur d Al such l ss o use wi l be y c l y j e l o f l 22. "Products-completed operations hazard":

a. In l d s a l "bo i y in ur " a d "pro e ty c u e l d l j y n p r

de m d to o cur a the ti e o th "o curre ce e e c t m f e c n "

th t a se t a c u d i . da a e o cur i g a a fro pre i e y u m g " c r n w y m m s s o

F r the purp se o th s in ura ce "e e t o i da a o o s f i s n , l c r n c t " o n o re t a d a i in o t o "y ur pro uct o w r n n r s g u f o d " r

i n t a g bl ro e t . s o t n i e p p r y "y ur o k e ce t: o w r " x p

(1) Pro uct th t a e sti l in y ur phy ica d s a r l o s l

24. "Sl g n : o a "

a. M a s a phr se th t o h r u e fo he pu p se e n a a t e s s r t r o possession; or

(2) Wo k tha ha no y t be n co p e e o r t s t e e m l t d r

o t ra ti g a t n i n n t e r d e t sin f a t c n t e t o i h i a v r i g

b. Do s no in l d a phra e use a , o in the e t c u e s d s r , a a d n d. Ho e e , "y ur wo k wi l be b n o e w v r o r " l

na e o : m f de m d co pl t d a th e rl e t o the e e m e e t e a i s f fo l wi g i e : l o n t m s

(1) An pe so o o g n z t o , o he th n y u; y r n r r a i a i n t r a o or (a) Whe a l o th wo k ca l d fo i y u n l f e r l e r n o r co tr ct ha b e o p e e . n a s e n c m l t d

(2) An busin ss, o a y o th pre i e , y e r n f e m s s go ds, pro uct , se v ce o wo k o a y o d s r i s r r , f n

(b) Whe a l o th wo k to be do e a the n l f e r n t pe so r r a i a i n t e ha o r n o o g n z t o , o h r t n y u j b sit ha be n co pl t d i y u o e s e m e e f o r

25. "Su t m a s a civ l pro e d n i whi h da a e

i " e n i c e i g n c m g s

be a se o "bo i y in u y , "pro e ty da a e o c u f d l j r " p r m g " r

"pe so a a d a v rt si g i j ry to whi h thi

r n l n d e i n n u " c s

(a) You;

(b) Ot e s t a i g nd r y u a e r h r r d n u e o r n m ; o

(c) A pe so o or a i a i n who e r n r g n z t o s i sura ce a pl e a e a l ge "Su t i cl de : n n p i s r l e d i " n u s

bu i e s o a se s y u ha e a qu re ; s n s r s t o v c i d

a. An a b t a i n pro e di g i whi h such r i r t o c e n n c and

da a e a e cla m d a d to whi h th in ure m g s r i e n c e s d

m st subm t o do s sub i wi h o r co se t u i r e m t t u n n ;

(2) Co t i e s (o he tha v hi l s), m t ri l , n a n r t r n e c e a e a s

pa t o e u pm n furn she i co ne ti n r s r q i e t i d n n c o or

b. An o he al e n ti e di put re o ut o y t r t r a v s e s l i n

wi h uch g o s o ro uct t s o d r p d s

b. In l d s: c u e pr ce di g in whi h such d m ge a e cl i e o e n c a a s r a m d

(1) Wa ra ti s o re re e ta i ns m de a a y r n e r p s n t o a t n a d to whi h th in ure subm ts wit o r n c e s d i h u

ti e wi h re pe t to the fi n ss, qua i y m t s c t e l t , co se t. n n

26. "Te p ra y wo k r m a s a pe so who i m o r r e " e n r n s

du a i i y pe fo m n e o use o "y ur r b l t , r r a c r f o

pro uct ; nd d " a fu ni he to y u to substi ut fo a pe m ne t r s d o t e r r a n

(2) The pro i i g o o fa l re to pro i e v d n f r i u v d "e pl y e o l a e o to m e se so a o sho t m o e " n e v r e t a n l r r -

wa ni g o n tr ct o s. r n s r i s u i n te m w r l a o di i n . r o k o d c n t o s

27. "Ti l " m a s a na e o l t r r r a t sti o k t e e n m f a i e a y o r i c w r .

28. "Unso i i e co m n ca i n m a s a y l c t d m u i t o " e n n

co m n ca i n in a y fo m tha th re i i nt o m u i t o , n r , t e c p e f

c. Do s no i cl de v nd ng m ch ne o o h r e t n u e i a i s r t e

pro e ty re t d to o l ca e fo the use o p r n e r o t d r f

o h r b t no so d t e s u t l

31. "Y u o k : o r w r " such co m n ca i n di no spe i i a l re ue t to m u i t o d t c f c l y q s

a. M a s: e n re e v c i e

29. "Vo u t e wo k r m a s a pe so who i no y u l n e r r e " e n r n s t o r y ur e a f; a d o b h l n "e pl y e , a d who do a e hi o he wo k a d m o e " n n t s s r r r n

a t a th di e ti n o a d wi hi the sco e o c s t e r c o f n t n p f

(1) Wo k o o e a i n pe f rm d by y u o o r r p r t o s r o e o r n

(2) M te i l , pa t o e u pm n furn she in a r a s r s r q i e t i d du i s de e m n d by y u a d is no pa d a fe , t e t r i e o , n t i e

sa a y o o he co pe sa i n by y u o a y n e se l r r t r m n t o o r n o e l

co ne ti n wi h uch w r o pe a i n . n c o t s o k r o r t o s

b. In l d s: c u e fo he r o k p r o m d f r o r t i w r e f r e o y u

(1) Wa ra ti s o re re e ta i ns m de a a y r n e r p s n t o a t n

30. "Y u ro uct : o r p d " ti e wi h re pe t to the fi n ss, qua i y m t s c t e l t , a. M a s: e n du a i i y pe fo m n e o use o "y ur r b l t , r r a c r f o

(1) An go d o pro uct , o h r th n re l wo k ; a d y o s r d s t e a a r " n pro e ty m n f ct r d so d ha d e , p r , a u a u e , l , n l d

(2) The pro i i g o o fa l re to pro i e v d n f r i u v d di tr bu e r d spo e f y s i t d o i s d o b :

wa ni g o n tr ct o s. r n s r i s u i n

PLEASEREADTHEENTIREPOLICYCAREFULLY.

Variousprovisionsinthispolicyrestrictcoverage.Readtheentirepolicycarefullytodeterminerights,dutiesand whatisandisnotcovered.

Throughoutthispolicy,thewords"you"and"your"refertotheNamedInsuredshownintheDeclarationsandany otherpersonororganizationqualifyingasaNamedInsuredunderthispolicy.Thewords"we","us"and"our" refertothecompanyprovidingthisinsurance.

Theword"insured"meansanypersonororganizationqualifyingassuchunderSECTIONII–WHOISAN INSURED.

Otherwordsandphrasesthatappearinquotationmarkshavespecialmeaning.RefertoSECTIONVI–DEFINITIONS

SECTIONI–COVERAGES

1.Wewillpayonbehalfoftheinsuredthose sums,inexcessofthe"applicableunderlying limit",that the insuredbecomes legally obligatedtopayasdamagestowhich Coverage A of this insurance applies, providedthatthe"underlyinginsurance"would applytosuchdamagesbutfortheexhaustion ofitsapplicablelimitsofinsurance.Ifa sublimit is specified in any "underlying insurance",CoverageAofthisinsurance appliestodamagesthatareinexcessofthat sublimitonlyifsuchsublimitisshownforthat "underlyinginsurance"intheScheduleOf UnderlyingInsurance.

2.CoverageAofthisinsuranceissubjecttothe same terms, conditions, agreements, exclusionsanddefinitionsasthe"underlying insurance", except with respect to any

provisionstothecontrarycontainedinthis insurance.

3.Theamountwewillpayfordamagesislimited asdescribedinSECTIONIII–LIMITSOF INSURANCE

4.ForthepurposesofParagraph1.above:

a.Theapplicablelimitofinsurancestated forthepoliciesof"underlyinginsurance" intheScheduleOfUnderlyingInsurance willbeconsideredtobereducedor exhausted only by the following payments:

(1)Payments of judgments or settlements for damages that are covered by that "underlying insurance". However, if such "underlyinginsurance"hasapolicy periodwhichdiffersfromthepolicy periodofthisExcessFollow-Form AndUmbrellaLiabilityInsurance,any such payments for damages that wouldnotbecoveredbythisExcess

Follow-FormAndUmbrellaLiability Insurancebecauseofitsdifferent policy period will not reduce or exhaust the applicable limit of insurancestatedforsuch"underlying insurance";

(2)Paymentsof"medicalexpenses"that are covered by that "underlying insurance" and are incurred for "bodilyinjury"causedbyanaccident thattakesplaceduringthepolicy periodofthisExcessFollow-Form AndUmbrellaLiabilityInsurance;or

(3)Paymentsofdefenseexpensesthat are covered by that "underlying insurance",onlyifsuch"underlying insurance"includessuchpayments within the limits of insurance. However, if such "underlying insurance"hasapolicyperiodwhich differsfromthepolicyperiodofthis ExcessFollow-FormAndUmbrella Liability Insurance, any such paymentsfordefenseexpensesthat wouldnotbecoveredbythisExcess Follow-FormAndUmbrellaLiability Insurancebecauseofitsdifferent policy period will not reduce or exhaust the applicable limit of insurancestatedforsuch"underlying insurance".

Iftheapplicablelimitofinsurancestated forthepoliciesof"underlyinginsurance" intheScheduleOfUnderlyingInsurance isactuallyreducedorexhaustedbyother payments,CoverageAofthisinsurance isnotinvalidated.However,intheevent ofaloss,wewillpayonlytotheextent thatwewouldhavepaidhadsuchlimit notbeenactuallyreducedorexhausted bysuchotherpayments.

b.Ifany"underlyinginsurance"hasalimitof insurancegreaterthantheamountshown forthatinsuranceintheScheduleof UnderlyingInsurance,thisinsurancewill applyinexcessofthatgreateramount.If any"underlyinginsurance"hasalimitof insurance, prior to any reduction or exhaustion by payment of damages, "medicalexpenses"ordefenseexpenses describedinParagrapha.above,thatis lessthantheamountshownforthat insuranceintheScheduleOfUnderlying Insurance,thisinsurancewillapplyin excessoftheamountshownforsuch insuranceintheScheduleOfUnderlying Insurance.

5.Whenthe"underlyinginsurance"appliesona claims-madebasisandincludesaretroactive date provision, the retroactive date for CoverageAofthisinsuranceisthesameas the retroactive date of that "underlying insurance".

B.COVERAGEB–UMBRELLALIABILITY

1.Wewillpayonbehalfoftheinsuredthose sumsinexcessofthe"self-insuredretention" thattheinsuredbecomeslegallyobligatedto payasdamagesbecauseof"bodilyinjury", "property damage", "personal injury" or "advertisinginjury"towhichCoverageBof thisinsuranceapplies.

2.CoverageBofthisinsuranceappliesto "bodilyinjury"or"propertydamage"onlyif:

a.The"bodilyinjury"or"propertydamage"is causedbyan"occurrence"thattakes placeanywhereintheworld;

b.The"bodilyinjury"or"propertydamage" occursduringthepolicyperiod;and

c.Priortothepolicyperiod,noinsuredlisted underParagraph1.inParagraphB., COVERAGE B – UMBRELLA LIABILITY,ofSECTIONII–WHOISAN INSUREDandno"employee"authorized byyoutogiveorreceivenoticeofan "occurrence"orclaim,knewthatthe "bodilyinjury"or"propertydamage"had occurred,inwholeorinpart.Ifsucha listedinsuredorauthorized"employee" knew,priortothepolicyperiod,thatthe "bodily injury" or "property damage" occurred,inwholeorinpart,thenany continuation,changeorresumptionof such"bodilyinjury"or"propertydamage" duringorafterthepolicyperiodwillbe deemedtohavebeenknownpriortothe policyperiod.

3.CoverageBofthisinsuranceappliesto "personalinjury"or"advertisinginjury" causedbyanoffensearisingoutofyour business,butonlyiftheoffensewas committed during the policy period anywhereintheworld.

4.Theamountwewillpayfordamagesislimited asdescribedinSECTIONIII–LIMITSOF INSURANCE

5."Bodilyinjury"or"propertydamage":

aWhichoccursduringthepolicyperiod;and b.Whichwasnotpriorto,butwasduring,the policyperiodknowntohaveoccurredby anyinsuredlistedunderParagraph1.in Paragraph B., COVERAGE B –

UMBRELLALIABILITYofSECTIONII–WHOISANINSURED,orany"employee" authorizedbyyoutogivenoticeofan "occurrence"orclaim; includes any continuation, change or resumptionofthe"bodilyinjury"or"property damage"aftertheendofthepolicyperiod.

6."Bodilyinjury"or"propertydamage"willbe deemed tohave been known tohave occurredattheearliesttimewhenanyinsured listedunderParagraph1.inParagraphB., COVERAGEB–UMBRELLALIABILITY,of SECTIONII–WHOISANINSUREDorany "employee"authorizedbyyoutogiveor receivenoticeofan"occurrence"orclaim:

a.Reportsall,oranypart,ofthe"bodily injury"or"propertydamage"tousorany otherinsurer;

b.Receivesawrittenorverbaldemandor claimfordamagesbecauseofthe"bodily injury"or"propertydamage";or

c.Becomesawarebyanyothermeansthat the"bodilyinjury"or"propertydamage" hasoccurredorhasbeguntooccur.

7.Damagesbecauseof"bodilyinjury"include damages claimed by any person or organizationforcare,lossofservicesordeath resultingatanytimefromthe"bodilyinjury".

8.CoverageBofthisinsurancedoesnotapply todamagescoveredbyany"underlying insurance"orthatwouldhavebeencovered byany"underlyinginsurance"butforthe exhaustionofitsapplicablelimitofinsurance.

C.COVERAGE C – CRISIS MANAGEMENT SERVICEEXPENSES

1.Wewillreimbursetheinsured,orpayonthe insured'sbehalf,"crisismanagementservice expenses"towhichCoverageCapplies.

2.CoverageCofthisinsuranceappliesto"crisis managementserviceexpenses"that:

a.Ariseoutofa"crisismanagementevent" thatfirstcommencesduringthepolicy period;

b.Areincurredbytheinsured,aftera"crisis managementevent"firstcommencesand beforesucheventends;and

c.Aresubmittedtouswithin180daysafter the"crisismanagementadvisor"advises youthatthe"crisismanagementevent" nolongerexists.

3.A"crisismanagementevent"willbedeemed to:

a Firstcommenceatthetimewhenany "executiveofficer"firstbecomesawareof an"event"or"occurrence"thatleadsto that"crisismanagementevent";and b Endwhenwedecidethatthecrisisno longer exists or when the Crisis ManagementServiceExpensesLimithas beenexhausted,whicheveroccursfirst.

4.The amount we will pay for "crisis managementserviceexpenses"islimitedas describedinSECTIONIII–LIMITSOF INSURANCE

5.A"self-insuredretention"doesnotapplyto "crisismanagementserviceexpenses".

6.Anypaymentof"crisismanagementservice expenses" that we make will not be determinativeofourobligationsunderthis insurancewithrespecttoanyclaimor"suit"or createanydutytodefendorindemnifyany insuredforanyclaimor"suit".

D.DEFENSEANDSUPPLEMENTARYPAYMENTS

1.Wewillhavetherightanddutytodefendthe insured:

a.UnderCoverageA,againsta "suit" seekingdamagestowhichsuchcoverage applies,if:

(1)The"applicableunderlyinglimit"isthe applicablelimitofinsurancestatedfor apolicyof"underlyinginsurance"in the Schedule Of Underlying Insuranceandsuchlimithasbeen exhaustedsolelyduetopaymentsas permittedinParagraphs4.a.(1),(2) and(3)ofCOVERAGEA–EXCESS FOLLOW-FORM LIABILITY of SECTIONI–COVERAGES;or

(2)The"applicableunderlyinglimit"isthe applicable limit of any "other insurance"andsuchlimithasbeen exhaustedbypaymentsofjudgments, settlementsormedicalexpenses,or relatedcostsorexpenses(ifsuch costs or expenses reduce such limits).

Forany"suit"forwhichwehavetheright anddutytodefendtheinsuredunder CoverageA,defenseexpenseswillbe withinthelimitsofinsuranceofthispolicy whensuchexpensesarewithinthelimits ofinsuranceoftheapplicable"underlying insurance";or

b.UnderCoverageB,againsta "suit" seekingdamagestowhichsuchcoverage applies.

2.Wehavenodutytodefendanyinsured againstany"suit":

a.Seekingdamagestowhichthisinsurance doesnotapply;or

b.Ifanyotherinsurerhasadutytodefend.

3.Whenwehavethedutytodefend,wemay,at ourdiscretion,investigateandsettleanyclaim or"suit".Inallothercases,wemay,atour discretion,participateintheinvestigation, defenseandsettlementofanyclaimor"suit" fordamagestowhichthisinsurancemay apply.Ifweexercisesuchrighttoparticipate, allexpensesweincurindoingsowillnot reducetheapplicablelimitsofinsurance.

4.Ourdutytodefendendswhenwehaveused uptheapplicablelimitofinsuranceinthe paymentofjudgmentsorsettlements,or defenseexpensesifsuchexpensesarewithin thelimitsofinsuranceofthispolicy.

5.Wewillpay,withrespecttoaclaimwe investigateorsettle,or"suit"againstan insuredwedefend:

a.Allexpensesweincur.

b.Thecostof:

(1)Bail bonds required because of accidentsortrafficlawviolations arisingoutoftheuseofanyvehicleto whichthisinsuranceapplies;or

(2)Appealbondsandbondstorelease attachments; butonlyforbondamountswithinthe applicablelimitofinsurance.Wedonot havetofurnishthesebonds.

c.Allreasonableexpensesincurredbythe insuredatourrequesttoassistusinthe investigationordefenseofsuchclaimor "suit",includingactuallossofearningsup to$1,000adaybecauseoftimeofffrom work.

d.Allcourtcoststaxedagainsttheinsured inthe"suit".However,thesepaymentsdo notincludeattorneys'feesorattorneys' expensestaxedagainsttheinsured.

e.Prejudgmentinterestawardedagainstthe insuredonthatpartofthejudgmentwe pay.Ifwemakeanoffertopaythe applicablelimitofinsurance,wewillnot payanyprejudgmentinterestbasedon thatperiodoftimeaftertheoffer.

f. Allinterestthataccruesonthefullamount ofanyjudgmentafterentryofthe judgmentandbeforewehavepaid, offeredtopayordepositedincourtthe partofthejudgmentthatiswithinthe

applicablelimitofinsurance.Ifwedonot paypartofthejudgmentforanyreason otherthanitismorethantheapplicable limitofinsurance,wewillnotpayany interestthataccruesonthatportionofthe judgment.

Withrespecttoaclaimweinvestigateor settle,or"suit"againstaninsuredwedefend underCOVERAGEA–EXCESSFOLLOWFORMLIABILITY,thesepaymentswillnot reducetheapplicablelimitsofinsurance,but onlyiftheapplicable"underlyinginsurance" providesforsuchpaymentsinadditiontoits limitsofinsurance.Withrespecttoaclaimwe investigateorsettle,or"suit"againstan insuredwedefendunder COVERAGEB–UMBRELLALIABILITY,thesepaymentswill notreducetheapplicablelimitsofinsurance.

SECTIONII–WHOISANINSURED

A.COVERAGEA–EXCESSFOLLOW-FORM LIABILITY

WithrespecttoCoverageA,thefollowingpersons andorganizationsqualifyasinsureds:

1.The Named Insured shown in the Declarations;and

2.Anyotherpersonororganizationqualifyingas aninsuredinthe"underlyinginsurance".If youhaveagreedtoprovideinsuranceforthat personororganizationinawrittencontractor agreement:

a.Thelimitsofinsuranceaffordedtosuch personororganizationwillbe:

(1)Theamountbywhichtheminimum limitsofinsuranceyouagreedto providesuchpersonororganization inthatwrittencontractoragreement exceedthetotallimitsofinsuranceof allapplicable"underlyinginsurance"; or

(2)Thelimitsofinsuranceofthispolicy; whicheverisless;and

b.Coverageunderthispolicydoesnotapply tosuchpersonororganizationifthe minimumlimitsofinsuranceyouagreed toprovidesuchpersonororganizationin thatwrittencontractoragreementare whollywithinthetotallimitsofinsurance of all available applicable "underlying insurance".

B.COVERAGEB–UMBRELLALIABILITY

WithrespecttoCoverageB:

1.The Named Insured shown in the Declarationsisaninsured.

2.Ifyouare:

a.Anindividual,yourspouseisalsoan insured,butonlywithrespecttothe conductofabusinessofwhichyouare thesoleowner.

b.A partnership or joint venture, your members, your partners and their spousesarealsoinsureds,butonlywith respecttotheconductofyourbusiness.

c.Alimitedliabilitycompany,yourmembers arealsoinsureds,butonlywithrespectto the conduct of your business. Your managersarealsoinsureds,butonlywith respecttotheirdutiesasyourmanagers.

d.Anorganizationotherthanapartnership, jointventureorlimitedliabilitycompany, your"officers"anddirectorsarealso insureds,butonlywithrespecttotheir dutiesasyour"officers"ordirectors.Your stockholdersarealsoinsureds,butonly with respect to their liability as stockholders.

e.Atrust,yourtrusteesarealsoinsureds, butonlywithrespecttotheirdutiesas trustees.

3.Eachofthefollowingisalsoaninsured:

a.Your "volunteer workers" only while performingdutiesrelatedtotheconduct ofyourbusiness,oryour"employees", otherthaneitheryour"officers"(ifyouare anorganizationotherthanapartnership, jointventureorlimitedliabilitycompany) oryourmanagers(ifyouarealimited liabilitycompany),butonlyforactswithin thescopeoftheiremploymentbyyouor whileperformingdutiesrelatedtothe conductofyourbusiness.However,none of these "employees" or "volunteer workers"areinsuredsfor:

(1)"Bodilyinjury"or"personalinjury":

(a)To you, to your partners or members(ifyouareapartnership orjointventure),toyourmembers (if you are a limited liability company), to a co-"employee" whileinthecourseofhisorher employmentorperformingduties relatedtotheconductofyour business, or to your other "volunteer workers" while performingdutiesrelatedtothe conductofyourbusiness;

(b)To the spouse, child, parent, brother or sister of that co"employee"or"volunteerworker"

asaconsequenceofParagraph (1)(a)above;

(c)Forwhichthereisanyobligation tosharedamageswithorrepay someone else who must pay damages because of the injury describedinParagraph(1)(a)or (b)above;or

(d)Arisingoutofhisorherproviding orfailingtoprovideprofessional healthcareservices.

Unlessyouareinthebusinessor occupation of providing professional health care services, Paragraphs (1)(a),(b),(c)and(d)abovedonot applyto"bodilyinjury"arisingoutof providingorfailingtoprovidefirstaid or"GoodSamaritanservices"byany of your "employees" or "volunteer workers"otherthananemployedor volunteer doctor. Any such "employees" or "volunteer workers" providingorfailingtoprovidefirstaid or"GoodSamaritanservices"during their work hours for you will be deemedtobeactingwithinthescope of their employment by you or performing duties related to the conductofyourbusiness.

(2)"Propertydamage"toproperty:

(a)Owned,occupiedorusedby;or

(b)Rentedto,inthecare,custodyor controlof,oroverwhichphysical controlisbeingexercisedforany purposeby;

you, any of your "employees" or "volunteer workers", any of your partnersormembers(ifyouarea partnershiporjointventure),oranyof yourmembers(ifyouarealimited liabilitycompany).

b.Anyperson(otherthanyour"employee" or "volunteer worker"), or any organization, while acting as your real estatemanager.

c.Anypersonororganizationhavingproper temporarycustodyofyourpropertyifyou die,butonly:

(1)Withrespecttoliabilityarisingoutof the maintenance or use of that property;and

(2)Until your legal representative has beenappointed.

d.Yourlegalrepresentativeifyoudie,but onlywithrespecttodutiesassuch.That

representativewillhaveallyourrightsand dutiesunderthisinsurance.

4.Anyorganization,otherthanapartnership, jointventureorlimitedliabilitycompany,of whichyouarethesoleowner,orinwhichyou maintainanownershipinterestofmorethan 50%,onthefirstdayofthepolicyperiodisan insuredandwillqualifyasaNamedInsured. Nosuchorganizationisaninsuredorwill qualifyasaNamedInsuredfor"bodilyinjury" or"propertydamage" that occurred, or "personalinjury"or"advertisinginjury"caused byanoffensecommittedafterthedate,ifany, duringthepolicyperiod,thatyounolonger maintainanownershipinterestofmorethan 50%insuchorganization.

5.Anyorganizationyounewlyacquireorform, otherthanapartnership,jointventureor limitedliabilitycompany,andofwhichyouare thesoleowner,orinwhichyoumaintainan ownershipinterestofmorethan50%,isan insuredandwillqualifyasaNamedInsuredif thereisnoothersimilarinsuranceavailableto thatorganization.However:

a.Coverageunderthisprovisionisafforded onlyuntilthe180thdayafteryouacquire orformtheorganizationortheendofthe policyperiod,whicheverisearlier;and

b.Coverageforsuchorganizationdoesnot applyto:

(1)"Bodilyinjury"or"propertydamage" thatoccurred;or

(2)"Personal injury" or "advertising injury"arisingoutofanoffense committed; beforeyou acquired or formed the organization.

Nopersonororganizationisaninsuredorwill qualifyasaNamedInsuredwithrespecttothe conductofanycurrentorpastpartnership,joint ventureorlimitedliabilitycompanythatisnot shownasaNamedInsuredintheDeclarations. Thisparagraphdoesnotapplytoanysuch partnership, joint venture or limited liability companythatotherwisequalifiesasaninsured underParagraphB.ofSECTIONII–WHOISAN INSURED

C.COVERAGEC– CRISISMANAGEMENT SERVICEEXPENSES

WithrespecttoCoverageC,thefollowingpersons andorganizationsareinsuredsandwillqualifyas NamedInsureds:

1.The Named Insured shown in the Declarations.

2.Anyorganization,otherthanapartnership, jointventureorlimitedliabilitycompany,of whichyouarethesoleowner,orinwhichyou maintainanownershipinterestofmorethan 50%,onthefirstdayofthepolicyperiod.No suchorganizationisaninsuredorwillqualify asaNamedInsuredfor"crisismanagement serviceexpenses"arisingoutofa"crisis managementevent"thatfirstcommences afterthedate,ifany,duringthepolicyperiod, thatyounolongermaintainanownership interest of more than 50% in such organization.

3.Anyorganizationyounewlyacquireorform, otherthanapartnership,jointventureor limitedliabilitycompany,andofwhichyouare thesoleowner,orinwhichyoumaintainan ownershipinterestofmorethan50%,ifthere isnoothersimilarinsuranceavailabletothat organization.However:

a.Coverageunderthisprovisionisafforded onlyuntilthe180thdayafteryouacquire orformtheorganizationortheendofthe policyperiod,whicheverisearlier;and

b.Coverageforsuchorganizationdoesnot applyto "crisis management service expenses" arising out of a "crisis managementevent"thatoccurredbefore youacquiredorformedtheorganization, evenifan"executiveofficer"onlyfirst becomes aware of an "event" or "occurrence"thatleadstosuch"crisis managementevent"afterthedateyou acquiredorformedtheorganization.

SECTIONIII–LIMITSOFINSURANCE

A.TheLimitsofInsuranceshownintheDeclarations andtherulesbelowfixthemostwewillpayforthe amountsdescribedbelowtowhichthisinsurance appliesregardlessofthenumberof:

1.Insureds;

2.Claimsmadeor"suits"brought;

3.Numberofvehiclesinvolved;

4.Personsororganizationsmakingclaimsor bringing"suits";or

5.Coveragesprovidedunderthisinsurance.

AsindicatedinParagraphD.1.ofSECTIONI–COVERAGES,forany"suit"forwhichwehave therightanddutytodefendtheinsuredunder CoverageA,defenseexpenseswillbewithinthe

limitsofinsuranceofthispolicywhensuch expensesarewithinthelimitsofinsuranceofthe applicable"underlyinginsurance".

B.TheGeneralAggregateLimitisthemostwewill payforthesumofall:

1.Damages;and

2.Defenseexpensesifsuchexpensesare withinthelimitsofinsuranceofthispolicy; except:

1.Damagesanddefenseexpensesbecauseof "bodilyinjury"or"propertydamage"included inthe"autohazard";

2.Damagesanddefenseexpensesbecauseof "bodilyinjury"or"propertydamage"included in the "products-completed operations hazard";or

3.Damagesanddefenseexpensesforwhich insuranceisprovidedunderanyAircraft Liabilitycoverageincludedas"underlying insurance" towhich noaggregatelimit applies.

C.TheProducts-CompletedOperationsAggregate Limitisthemostwewillpayforthesumofall:

1.Damages;and

2.Defenseexpensesifsuchexpensesare withinthelimitsofinsuranceofthispolicy; becauseof"bodilyinjury"or"propertydamage" includedinthe"products-completedoperations hazard".

D.SubjecttoParagraphB.orC.above,whichever applies,theOccurrenceLimitisthemostwewill payforthesumofall:

1.Damages,anddefenseexpensesifsuch expensesarewithinthelimitsofinsuranceof thispolicy,underCoverageAarisingoutof anyone"event"towhichthe"underlying insurance"appliesalimitofinsurancethatis separate from any aggregate limit of insurance;and

2.DamagesunderCoverageBbecauseofall "bodilyinjury","propertydamage","personal injury"or"advertisinginjury"arisingoutofany one"occurrence".

Forthepurposesofdeterminingtheapplicable OccurrenceLimit,allrelatedactsoromissions committedintheprovidingorfailingtoprovide firstaidor"GoodSamaritanservices"toanyone personwillbeconsideredone"occurrence".

E.TheCrisisManagementServiceExpensesLimit isthemostwewillpayforthesumofall"crisis managementserviceexpenses"arisingoutofall "crisismanagementevents".Paymentofsuch "crisismanagementserviceexpenses"isin additionto,andwillnotreduce,anyotherlimitof insuranceofthispolicy.

F.Thelimitsofinsuranceofthispolicyapply separatelytoeachconsecutiveannualperiodand toanyremainingperiodoflessthan12months, startingwiththebeginningofthepolicyperiod shownintheDeclarations.Ifthepolicyperiodis extendedafterissuanceforanadditionalperiodof lessthan12months,theadditionalperiodwillbe deemedpartofthelastprecedingperiodfor purposesofdeterminingthelimitsofinsurance.

SECTIONIV–EXCLUSIONS

Thisinsurancedoesnotapplyto:

A.WithrespecttoCoverageAandCoverageB: 1.

Asbestos

a.Damagesarisingoutoftheactualor allegedpresenceoractual,allegedor threatened dispersal of asbestos, asbestosfibersorproductscontaining asbestos,providedthatthedamagesare causedorcontributedtobythehazardous propertiesofasbestos.

b.Damagesarisingoutoftheactualor allegedpresenceoractual,allegedor threateneddispersalofanysolid,liquid, gaseous or thermal irritant or contaminant, including smoke, vapors, soot,fumes,acids,alkalis,chemicalsand waste,andthatarepartofanyclaimor "suit"whichalsoallegesanydamages describedinParagrapha.above.

c.Anyloss,costorexpensearisingoutof any:

(1)Request,demand,orderorstatutory orregulatoryrequirementthatany insuredorotherstestfor,monitor, clean up, remove, contain, treat, detoxifyorneutralize,orinanyway respondto,orassesstheeffectsof, asbestos,asbestosfibersorproducts containingasbestos;or

(2)Claimor"suit"byoronbehalfofany governmentalauthorityoranyother personororganizationbecauseof testingfor,monitoring,cleaningup, removing, containing, treating, detoxifyingorneutralizing,orinany way responding to, or assessing theeffectsof,asbestos,asbestos fibersorproductscontainingasbestos.

2.Employment-RelatedPractices

Damagesbecauseofinjuryto:

a.Apersonarisingoutofany:

(1)Refusaltoemploythatperson;

(2)Termination of that person's employment;or

(3)Employment-relatedpractice,policy, actoromission,suchascoercion, demotion,evaluation,reassignment, discipline, failure to promote or advance,harassment,humiliation, discrimination,libel,slander,violation oftheperson'srightofprivacy, maliciousprosecutionorfalsearrest, detentionorimprisonment,appliedto ordirectedatthatperson,regardless ofwhethersuchpractice,policy,act oromissionoccurs,isappliedoris committedbefore,duringorafterthe timeofthatperson'semployment;or

b.Thespouse,child,parent,brotheror sisterofthatpersonasaconsequenceof injurytothatpersonasdescribedin Paragraphsa.(1),(2)or(3)above.

Thisexclusionapplies:

a.Whethertheinsuredmaybeliableasan employerorinanyothercapacity;and

b.Toanyobligationtosharedamageswith orrepaysomeoneelsewhomustpay damagesbecauseoftheinjury.

3.ERISA,COBRAAndSimilarLaws

Anyobligationoftheinsuredunder:

a.The Employees Retirement Income SecurityActOf1974(ERISA)oranyof itsamendments;

b.The Consolidated Omnibus Budget ReconciliationActof1985(COBRA)or anyofitsamendments;or

c.Anysimilarcommonorstatutorylawof anyjurisdiction.

4.MedicalExpensesOrPayments

Anyobligationoftheinsuredunderany "medicalexpenses"ormedicalpayments coverage.

5.NuclearMaterial

Damagesarisingoutof:

a.The actual, alleged or threatened exposureofanypersonorpropertyto;or

b.The"hazardousproperties"of; any"nuclearmaterial".

Asusedinthisexclusion:

a."Hazardous properties" includes radioactive,toxicorexplosiveproperties;

b."Nuclear material" means "source material","specialnuclearmaterial"or "by-productmaterial";and

c."Source material", "special nuclear material"and"by-productmaterial"have

themeaningsgiventhemintheAtomic Energy Act of 1954 or any of its amendments.

6.UninsuredorUnderinsuredMotorists,NoFaultAndSimilarLaws

Anyliabilityimposedontheinsured,orthe insured'sinsurer,underanyofthefollowing laws:

a.Uninsuredmotorists;

b.Underinsuredmotorists;

c.Autono-faultorotherfirst-partypersonal injuryprotection(PIP);

d.Supplementary uninsured/underinsured motorists(NewYork);or

e.Medical expense benefits and income lossbenefits(Virginia).

7.War

Damagesarisingoutof:

a.War,includingundeclaredorcivilwar;or

b.Warlike action by a military force, includingactioninhinderingordefending againstanactualorexpectedattack,by any government, sovereign or other authorityusingmilitarypersonnelorother agents;or

c.Insurrection,rebellion,revolution,usurped poweroractiontakenbygovernmental authorityinhinderingordefendingagainst anyofthese.

8.WorkersCompensationAndSimilarLaws

Anyobligationoftheinsuredunderaworkers compensation, disability benefits or unemployment compensation law or any similarlaw.

B.WithrespecttoCoverageB:

ExpectedOrIntendedBodilyInjuryOr PropertyDamage

"Bodilyinjury"or"propertydamage"expected orintendedfromthestandpointoftheinsured. Thisexclusiondoesnotapplyto"bodilyinjury" or"propertydamage"resultingfromtheuseof reasonable force to protect persons or property.

2.ContractualLiability

"Bodilyinjury","propertydamage","personal injury"or"advertisinginjury"forwhichthe insuredisobligated topay damages by reasonoftheassumptionofliabilityina contractoragreement.Thisexclusiondoes notapplytoliabilityfordamagesthatthe insuredwouldhaveintheabsenceofthe contractoragreement.

3.LiquorLiability

"Bodilyinjury"or"propertydamage"forwhich anyinsuredmaybeliablebyreasonof:

a.Causingorcontributingtotheintoxication ofanyperson,includingcausingor contributingtotheintoxicationofany personbecausealcoholicbeverageswere permittedtobebroughtonyourpremises forconsumptiononyourpremises;

b.Thefurnishingofalcoholicbeveragestoa personunderthelegaldrinkingageor undertheinfluenceofalcohol;or

c.Any statute,ordinanceorregulation relatingtothesale,gift,distributionoruse ofalcoholicbeverages.

4.EmployersLiability

"Bodilyinjury"to:

a.An"employee"oftheinsuredarisingout ofandinthecourseof:

(1)Employmentbytheinsured;or

(2)Performingduties related tothe conductoftheinsured'sbusiness;or

b.Thespouse,child,parent,brotheror sister of that "employee" as a consequenceof"bodilyinjury"described inParagrapha.above.

Thisexclusionapplies:

a.Whethertheinsuredmaybeliableasan employerorinanyothercapacity;and

b.Toanyobligationtosharedamageswith orrepaysomeoneelsewhomustpay damagesbecauseofthe"bodilyinjury".

5.Pollution

a."Bodily injury", "property damage", "personalinjury"or"advertisinginjury" arisingoutoftheactual,allegedor threateneddischarge,dispersal,seepage, migration, release or escape of "pollutants".

b.Anyloss,costorexpensearisingoutof any:

(1)Request,demand,orderorstatutory orregulatoryrequirementthatany insuredoranyotherpersonor organizationtestfor,monitor,clean up,remove,contain,treat,detoxifyor neutralize,orinanywayrespondto, orassesstheeffectsof,"pollutants"; or

(2)Claimor"suit"byoronbehalfofany governmentalauthorityoranyother personororganizationbecauseof testingfor,monitoring,cleaningup,

removing, containing, treating, detoxifyingorneutralizing,orinany wayrespondingto,orassessingthe effectsof,"pollutants".

6.Aircraft

"Bodilyinjury"or"propertydamage"arising outoftheownership,maintenance,useor entrustmenttoothersofanyaircraftownedor operatedbyorrentedorloanedtoany insured.Useincludesoperationand"loading orunloading".

Thisexclusionapplieseveniftheclaims againstanyinsuredallegenegligenceorother wrongdoing in the supervision, hiring, employment,trainingormonitoringofothers bythatinsured,ifthe"occurrence"which caused the "bodily injury" or "property damage" involved the ownership, maintenance,useorentrustmenttoothersof anyaircraftthatisownedoroperatedbyor rentedorloanedtoanyinsured.

7.Auto

"Bodilyinjury"or"propertydamage"arising outoftheownership,maintenance,useor entrustmenttoothersofany"auto".Use includesoperationand"loadingorunloading".

Thisexclusiondoesnotapplyto"bodilyinjury" or "property damage" caused by an "occurrence"thattakesplaceoutsideofthe United States of America (including its territoriesandpossessions),PuertoRicoand Canada.

8.Watercraft

"Bodilyinjury"or"propertydamage"arising outoftheownership,maintenance,useor entrustmenttoothersofanywatercraftowned oroperatedbyorrentedorloanedtoany insured.Useincludesoperationand"loading orunloading".

maintenance,useorentrustmenttoothersof anywatercraftthatisownedoroperatedby orrentedorloanedtoanyinsured.

Thisexclusiondoesnotapplytoawatercraft:

a.Whileashoreonpremisesownedbyor rentedtoanyinsured;or

b.Thatis50-feetlongorlessandthat:

(1)Youown;or

(2)Youdonotownandisnotbeingused tocarryanypersonorpropertyfora charge.

9.ElectronicData

Damagesclaimedforthelossof,lossofuse of,damageto,corruptionof,inabilityto access,orinabilitytomanipulate"electronic data".

10.DamageToProperty,ProductsOrWork "Propertydamage"to:

a.Propertyyou own, rent or occupy, includinganycostsorexpensesincurred by you, or any other person or organization, for repair, replacement, enhancement,restorationormaintenance ofsuchpropertyforanyreason,including preventionofinjurytoapersonor damagetoanother'sproperty;

b.Premisesyousell,giveawayorabandon ifthe"propertydamage"arisesoutofany partofthosepremises;

c.Propertyloanedtoyou;

d.Personalpropertyinthecare,custodyor controloftheinsured;

e.Thatparticularpartofrealpropertyon which you or any contractors or subcontractors working directly or indirectlyonyourbehalfareperforming operations if the "propertydamage" arisesoutofthoseoperations;

f. Thatparticularpartofanypropertythat mustberestored,repairedorreplaced because"yourwork"wasincorrectly performedonit;

g."Yourproduct"arisingoutof"your product"oranypartofit;or

h."Yourwork"arisingoutof"yourwork"or anypartofitandincludedinthe "products-completedoperationshazard".

11.DamageToImpairedPropertyOrProperty NotPhysicallyInjured

"Propertydamage"to"impairedproperty",or propertythathasnotbeenphysicallyinjured, arisingoutof:

a.A defect, deficiency, inadequacy or dangerousconditionin"yourproduct"or "yourwork";or

b.Adelayorfailurebyyou,oranyoneacting onyourbehalf,tofulfillthetermsofa contractoragreement.

Thisexclusiondoesnotapplytothelossof useofotherpropertyarisingoutofsudden and accidental physical injury to "your product"or"yourwork"afterithasbeenputto itsintendeduse.

12.Recall Of Products, Work Or Impaired Property

Damages claimed for any loss, cost or expenseincurredbyyouorothersfortheloss ofuse,withdrawal,recall,inspection,repair, replacement,adjustment,removalordisposal of:

a."Yourproduct";

b."Yourwork";or

c."Impairedproperty"; ifsuchproduct,workorpropertyiswithdrawn orrecalledfromthemarketorfromuseby any person or organization becauseof a known or suspected defect, deficiency, inadequacyordangerousconditioninit.

13.Violation Of Consumer Financial ProtectionLaws

"Bodilyinjury","propertydamage","personal injury"or"advertisinginjury"arisingoutofany actualorallegedviolationofa"consumer financialprotectionlaw",oranyother"bodily injury","propertydamage","personalinjury"or "advertisinginjury"allegedinanyclaimor "suit"thatalsoallegesanysuchviolation.

14.UnsolicitedCommunication

"Bodilyinjury","propertydamage","personal injury"or"advertisinginjury"arisingoutofany actualorallegedviolationofanylawthat restrictsorprohibitsthesending,transmitting ordistributingof"unsolicitedcommunication".

15.Access

OrDisclosureOfConfidentialOr PersonalInformation

"Bodilyinjury","propertydamage","personal injury"or"advertisinginjury"arisingoutofany accesstoordisclosureofanyperson'sor organization's confidential or personal information.

16.KnowingViolationOfRightsOfAnother

"Personalinjury"or"advertisinginjury"caused byoratthedirectionoftheinsuredwiththe knowledgethattheactwouldviolatetherights ofanotherandwouldinflict"personalinjury" or"advertisinginjury".

17.Material Published With Knowledge Of Falsity

"Personalinjury"or"advertisinginjury"arising outoforalorwrittenpublication,including publicationbyelectronicmeans,ofmaterial,if donebyoratthedirectionoftheinsuredwith knowledgeofitsfalsity.

18.MaterialPublishedOrUsedPriorToPolicy Period

a."Personal injury" or "advertising injury" arisingoutoforalorwrittenpublication, includingpublicationbyelectronicmeans, ofmaterialwhosefirstpublicationtook placebeforethebeginningofthepolicy period;or

b."Advertising injury" arising out of infringement of copyright, "title" or "slogan" in your "advertisement" whose firstinfringementinyour"advertisement" wascommittedbeforethebeginningof thepolicyperiod.

19.CriminalActs

"Personalinjury"or"advertisinginjury"arising outofacriminalactcommittedbyoratthe directionoftheinsured.

20.BreachOfContract

"Personalinjury"or"advertisinginjury"arising outofabreachofcontract.

21.QualityOrPerformanceOfGoods–Failure ToConformToStatements

"Advertisinginjury"arisingoutofthefailureof goods,productsorservicestoconformwith anystatementofqualityorperformancemade inyour"advertisement".

22.WrongDescriptionOfPrices

"Advertisinginjury"arisingoutofthewrong descriptionofthepriceofgoods,productsor servicesstatedinyour"advertisement".

23.IntellectualProperty

"Personalinjury"or"advertisinginjury"arising outofanyactualorallegedinfringementor violationofanyofthefollowingrightsorlaws, oranyother"personalinjury"or"advertising injury"allegedinanyclaimor"suit"thatalso allegesanysuchinfringementorviolation:

a.Copyright;

b.Patent;

c.Tradedress;

d.Tradename;

e.Trademark;

f. Tradesecret;or

g.Otherintellectualpropertyrightsorlaws.

Thisexclusiondoesnotapplyto:

a."Advertising injury" arising out of any actualorallegedinfringementorviolation ofanother'scopyright,"title"or"slogan"in your"advertisement";or

b.Anyother"personalinjury"or"advertising injury"allegedinanyclaimor"suit"that also alleges any such infringement or violationofanother'scopyright,"title"or "slogan"inyour"advertisement".

24.Insureds In Media And Internet Type Business

"Personalinjury"or"advertisinginjury"arising outofanoffensecommittedbyaninsured whosebusinessis:

a.Advertising,"broadcasting"orpublishing;

b.Designingordeterminingcontentofwebsitesforothers;or

c.AnInternetsearch,access,contentor serviceprovider.

ThisexclusiondoesnotapplytoParagraphs a.(1),(2)and(3)ofthedefinitionof"personal injury".

Forthepurposesofthisexclusion:

a.Creating and producing correspondence writtenintheconductofyourbusiness, bulletins,financialorannualreports,or newslettersaboutyourgoods,productsor services will not be considered the businessofpublishing;and

b.Theplacingofframes,bordersorlinks,or advertising,foryouorothersanywhereon the Internet will not, by itself, be considered the business of advertising, "broadcasting"orpublishing.

25.ElectronicChatroomsOrBulletinBoards

"Personalinjury"or"advertisinginjury"arising outofanelectronicchatroomorbulletinboard theinsuredhosts,ownsoroverwhichthe insuredexercisescontrol.

26.UnauthorizedUseOfAnother'sNameOr Product

"Personalinjury"or"advertisinginjury"arising outoftheunauthorizeduseofanother'sname orproductinyoure-mailaddress,domain nameormetatag,oranyothersimilartactics tomisleadanother'spotentialcustomers.

C.WithrespecttoCoverageC:

Newly Acquired, Controlled Or Formed Entities

"Crisismanagementserviceexpenses"arisingout ofa"crisismanagementevent"thatinvolvesany organizationyounewlyacquireorformandthat occurredpriortothedateyouacquiredorformed thatorganization,evenifan"executiveofficer" onlyfirstbecomesawareofan"event"or "occurrence" that leads to such "crisis managementevent"afterthedateyouacquiredor formedsuchorganization.

SECTIONV–CONDITIONS

A.APPEALS

1.Iftheinsuredortheinsured's"underlying insurer"electsnottoappealajudgmentwhich exceedsthe"applicableunderlyinglimit"or "self-insuredretention",wemaydoso.

2.Ifweappealsuchajudgment,wewillpayall costsoftheappeal.Thesepaymentswillnot reducetheapplicablelimitsofinsurance.In noeventwillourliabilityexceedtheapplicable limitofinsurance.

B.BANKRUPTCY

1.Bankruptcyorinsolvencyoftheinsuredorof theinsured'sestatewillnotrelieveusofour obligationsunderthisinsurance.

2.Intheeventofbankruptcyorinsolvencyof any"underlyinginsurer",thisinsurancewill not replacesuch bankruptor insolvent "underlying insurer's" policy, and this insurancewillapplyasifsuch"underlying insurer" had not become bankrupt or insolvent.

C.CANCELLATION

1.ThefirstNamedInsuredshowninthe Declarationsmaycancelthisinsuranceby mailingordeliveringtousadvancewritten noticeofcancellation.

2.Wemaycancelthisinsurancebymailingor deliveringtosuchfirstNamedInsuredwritten noticeofcancellationatleast:

a.10daysbeforetheeffectivedateof cancellationifwecancelfornonpayment ofpremium;or

b.60daysbeforetheeffectivedateof cancellationifwecancelforanyother reason.

3.Wewillmailordeliverournoticetosuchfirst NamedInsured'slastmailingaddressknown tous.

4.Noticeofcancellationwillstatetheeffective dateofcancellation.Thepolicyperiodwillend onthatdate.

5.Ifthisinsuranceiscancelled,wewillsend suchfirstNamedInsuredanypremiumrefund due.Ifwecancel,therefundwillbeprorata.If suchfirstNamedInsuredcancels,therefund maybelessthanprorata.Thecancellation willbeeffectiveevenifwehavenotmadeor offeredarefund.

6.Ifnoticeismailed,proofofmailingwillbe sufficientproofofnotice.

D.CHANGES

Thispolicycontainsalltheagreementsbetween youandusconcerningtheinsuranceafforded.No changecanbemadeinthetermsofthis insuranceexceptwithourconsent.Thetermsof thisinsurancecanbeamendedorwaivedonlyby endorsementissuedbyusandmadeapartofthis policy.

E.CURRENCY

Paymentsfordamagesorexpensesdescribedin Paragraph5.ofParagraphD.,DEFENSEAND SUPPLEMENTARYPAYMENTS,ofSECTIONI –COVERAGESwillbeinthecurrencyofthe UnitedStatesofAmerica.Atoursoleoption,we maymakethesepaymentsinadifferentcurrency. Anynecessarycurrencyconversionforsuch paymentswillbecalculatedbasedontherateof exchangepublishedintheWallStreetJournal immediatelypreceedingthedatethepaymentis processed.

F.DUTIES REGARDING AN EVENT, OCCURRENCE,CLAIMORSUIT

1.Youmustseetoitthatwearenotifiedas soon as practicable of an "event" or "occurrence"whichmayresultinaclaim underthisinsurance.Totheextentpossible, noticeshouldinclude:

a.How,whenandwherethe"event"or "occurrence"tookplace;

b.The names and addresses of any personsororganizationssustaininginjury, damageorloss,andthenamesand addressesofanywitnesses;and

c.Thenatureandlocationofanyinjuryor damagearisingoutofthe"event"or "occurrence".

2.Ifaclaimismadeor"suit"isbroughtagainst anyinsuredwhichmayresultinaclaimunder thisinsurance,youmustseetoitthatwe receivewrittennoticeoftheclaimor"suit"as soonaspracticable.

3.WithrespecttoCoverageA,theinsured must:

a.Cooperatewithusintheinvestigation, settlementordefenseofanyclaimor "suit";

b.Complywiththetermsofthe"underlying insurance";and

c.Pursue all rights of contribution or indemnity against any person or organizationwhomaybeliabletothe insuredbecauseoftheinjury,damageor lossforwhichinsuranceisprovidedunder thispolicyoranypolicyof"underlying insurance".

4.WithrespecttoCoverageB,theinsured must:

a.Immediatelysenduscopiesofany demands,notices,summonsesorlegal papersreceivedinconnectionwiththe claimor"suit";

b.Authorizeustoobtainnecessaryrecords andotherinformation;

c.Cooperatewithusintheinvestigation, settlementordefenseofanyclaimor "suit";and

d.Assistus,uponourrequest,inthe enforcementofanyrightagainstany personororganizationwhichmaybe liabletotheinsuredbecauseofinjuryor damagetowhichCoverageBmayapply.

5.Noinsuredwill,exceptatthatinsured'sown expense, voluntarily make a payment, assumeanyobligation,makeanyadmission orincuranyexpense,otherthanforfirstaid for"bodilyinjury"coveredbythisinsurance, withoutourconsent.

6.Knowledgeofan"event","occurrence",claim or"suit"byyouragent,servantor"employee" willnotconstituteknowledgebyyou,unless yourinsuranceorriskmanager,oranyone workinginthecapacityasyourinsuranceor riskmanager,oranyoneyoudesignatewith theresponsibilityofreportingan"event", "occurrence",claimor"suit":

a.Hasreceivednoticeofsuch"event", "occurrence",claimor"suit"fromsuch agent,servantor"employee";or

b.Otherwisehasknowledgeofsuch"event", "occurrence",claimor"suit".

G.DUTIESREGARDINGACRISISMANAGEMENT EVENT

Youmust:

1.Notify us within 30 days ofa "crisis managementevent"thatmayresultin"crisis managementserviceexpenses".

2.Provide written notice of the "crisis managementevent"assoonaspracticable. Totheextentpossible,noticeshouldinclude:

a.How, when and where that "crisis managementevent"tookplace;

b.The names and addresses of any personsororganizationssustaininginjury, damageorloss,andthenamedand addressesofanywitnesses;

c.Thenatureandlocationofanyinjuryor damage arising out of that "crisis managementevent";and

d.Thereasonthat"crisismanagement event"islikelytoinvolvedamages coveredbythisinsuranceinexcessofthe "applicable underlying limit" or"selfinsuredretention"andinvolveregionalor nationalmediacoverage.

H.EXAMINATION OF YOUR BOOKS AND RECORDS

Wemayexamineandaudityourbooksand recordsastheyrelatetothisinsurance:

1.Atanytimeduringthepolicyperiod;

2.Uptothreeyearsaftertheendofthepolicy period;and

3.Withinoneyearafterfinalsettlementofall claimsunderthisinsurance.

I. EXTENDEDREPORTINGPERIODOPTION

1.Whenthe"underlyinginsurance"appliesona claims-madebasis,anyautomaticorbasic "extended reporting period" in such "underlyinginsurance"willapplytothis insurance.

2.Whenthe"underlyinginsurance"appliesona claims-madebasisandyouelecttopurchase an optional or supplemental "extended reporting period" in such "underlying insurance,"that"extendedreportingperiod" willapplytothisinsuranceonlyif:

a.A written request to purchase an ExtendedReportingPeriodendorsement forthisinsuranceismadebyyouand receivedbyuswithin90daysafterthe endofthepolicyperiod;

b.Youhavepaidallpremiumsdueforthis policyatthetimeyoumakesuchrequest;

c.Youpromptlypaytheadditionalpremium wechargefor theExtended Reporting Period endorsement for this insurance when due. We will determine that additional premium after we have receivedyourrequestfortheExtended Reporting Period endorsement for this insurance.Thatadditionalpremiumisnot subjecttoanylimitationstatedinthe "underlyinginsurance"ontheamountor percentage of additional premium that may be charged for the "extended reporting period" in such "underlying insurance";and

d.That Extended Reporting Period endorsementisissuedbyusandmadea partofthispolicy.

3.AnyExtendedReportingPeriodendorsement forthisinsurancewillnotreinstateorincrease theLimitsofInsuranceorextendthepolicy period.

4.Exceptwithrespecttoanyprovisionstothe contrarycontainedinParagraphs1.,2.or3. above, all provisions of any option to purchase an "extended reporting period" grantedtoyouinthe"underlyinginsurance" applytothisinsurance.

J.INSPECTIONSANDSURVEYS

1.Wehavetherightbutarenotobligatedto:

a.Make inspections and surveys at any time;

b.Giveyoureportsontheconditionswe find;and

c.Recommendchanges.

2.Any inspections, surveys, reports or recommendations relate only to insurability andthepremiumstobecharged.Wedonot make safety inspections. We do not undertaketoperformthedutyofanyperson ororganizationtoprovideforthehealthor safetyofworkersorthepublic.Wedonot warrantthatconditions:

a.Aresafeorhealthful;or

b.Complywithlaws,regulations,codesor standards.

K.LEGALACTIONAGAINSTUS

1.Nopersonororganizationhasarightunder thisinsurance:

a.Tojoinusasapartyorotherwisebringus intoa"suit"askingfordamagesfroman insured;or

b.Tosueusonthisinsuranceunlessallof itstermshavebeenfullycompliedwith.

2.Apersonororganizationmaysueusto recoveronanagreedsettlementoronafinal judgmentagainstaninsured.Wewillnotbe liablefordamagesthat:

a.Arenotpayableunderthetermsofthis insurance;or

b.Areinexcessoftheapplicablelimitof insurance.

Anagreedsettlementmeansasettlement andreleaseofliabilitysignedbyus,the insuredandtheclaimantortheclaimant's legalrepresentative.

L.MAINTENANCEOFUNDERLYINGINSURANCE

1.Theinsuranceaffordedbyeachpolicyof "underlyinginsurance"willbemaintainedfor thefullpolicyperiodofthisExcessFollowFormAndUmbrellaLiabilityInsurance.This provisiondoesnotapplytothereductionor exhaustionoftheaggregatelimitorlimitsof such "underlying insurance" solely by paymentsaspermittedinParagraphs4.a.(1), (2)and(3)ofCOVERAGEA–EXCESS FOLLOW-FORMLIABILITYofSECTIONI–COVERAGESAssuchpoliciesexpire,you willrenewthematlimitsandwithcoverageat leastequaltotheexpiringlimitsofinsurance. If you fail to comply with the above requirements,CoverageAisnotinvalidated. However,intheeventofaloss,wewillpay onlytotheextentthatwewouldhavepaidhad youcompliedwiththeaboverequirements.

2.The first Named Insuredshowninthe Declarationsmustgiveuswrittennoticeof anychangeinthe"underlyinginsurance"as respects:

a.Coverage;

b.Limitsofinsurance;

c.Terminationofanycoverage;or

d.Exhaustionofaggregatelimits.

3.Ifyouareunabletorecoverfromany "underlyinginsurer" becauseyou failto complywithanytermorconditionofthe "underlyinginsurance",CoverageAisnot invalidated.However,wewillpayforanyloss onlytotheextentthatwewouldhavepaidhad youcompliedwiththattermorconditionin that"underlyinginsurance".

M.OTHERINSURANCE

Thisinsuranceisexcessoveranyvalidand collectible"otherinsurance"whethersuch"other insurance"isstatedtobeprimary,contributing,

excess,contingentorotherwise.Thisprovision doesnotapplytoapolicyboughtspecificallyto applyasexcessofthisinsurance.

However,ifyouspecificallyagreeinawritten contractoragreementthattheinsuranceprovided toanypersonororganizationthatqualifiesasan insuredunderthisinsurancemustapplyona primarybasis,oraprimaryandnon-contributory basis,theninsuranceprovidedunderCoverageA issubjecttothefollowingprovisions:

1.Thisinsurancewillapplybeforeany"other insurance"thatisavailabletosuchadditional insured which covers that person or organizationasanamedinsured,andwewill notsharewiththat"otherinsurance",provided thattheinjuryordamageforwhichcoverage issoughtiscausedbyan"event"thattakes placeoriscommittedsubsequenttothe signingofthatcontractoragreementbyyou.

2.Thisinsuranceisstillexcessoveranyvalid andcollectible"otherinsurance",whether primary,excess,contingentorotherwise, whichcoversthatpersonororganizationas anadditionalinsuredorasanyotherinsured thatdoesnotqualifyasanamedinsured.

N.PREMIUM

1.ThefirstNamedInsuredshowninthe Declarationsisresponsibleforthepaymentof allpremiumsandwillbethepayeeforany returnpremiums.

2.Ifthepremiumisaflatcharge,itisnotsubject to adjustment except as provided in Paragraph4.below.

3.Ifthepremiumisotherthanaflatcharge,itis anadvancepremiumonly.The earned premiumwillbecomputedattheendofthe policyperiod,orattheendofeachyearofthe policyperiodifthepolicyperiodistwoyears or longer, at the rate shown in the Declarations, subject to the Minimum Premium.

4.Additionalpremiummaybecomepayable whencoverageisprovidedforadditional insuredsundertheprovisionsofSECTIONII –WHOISANINSURED

O.PREMIUMAUDIT

Thepremiumforthispolicyistheamountstated inItem5.oftheDeclarations.Thepremiumisa flat charge unless it is specified in the Declarationsasadjustable.

P.PROHIBITED COVERAGE – UNLICENSED INSURANCE

1.Withrespecttolosssustainedbyanyinsured inacountryorjurisdictioninwhichwearenot licensed to provide this insurance, this insurancedoesnotapplytotheextentthat insuringsuchlosswouldviolatethelawsor regulationsofsuchcountryorjurisdiction.

2.Wedonotassumeresponsibilityfor:

a.Thepaymentofanyfine,fee,penaltyor otherchargethatmaybeimposedonany personororganizationinanycountryor jurisdictionbecausewearenotlicensed toprovideinsuranceinsuchcountryor jurisdiction;or

b.Thefurnishingofcertificatesorother evidenceofinsuranceinanycountryor jurisdictioninwhichwearenotlicensedto provideinsurance.

Q.PROHIBITED COVERAGE – TRADE OR ECONOMICSANCTIONS

Wewillprovidecoverageforanyloss,or otherwisewillprovideanybenefit,onlytothe extentthatprovidingsuchcoverageorbenefit doesnotexposeusoranyofouraffiliatedor parentcompaniesto:

1.Anytradeoreconomicsanctionunderanylaw orregulationoftheUnitedStatesofAmerica; or

2.Any otherapplicabletradeoreconomic sanction,prohibitionorrestriction.

R.REPRESENTATIONS

Byacceptingthisinsurance,youagree:

1.ThestatementsintheDeclarationsandany subsequent notice relatingto"underlying insurance"areaccurateandcomplete;

2.Those statements are based upon representationsyoumadetous;and

3.Wehaveissuedthisinsuranceinrelianceupon yourrepresentations.

S.SEPARATIONOFINSUREDS

ExceptwithrespecttotheLimitsofInsurance, andanyrightsordutiesspecificallyassignedin thispolicytothefirstNamedInsuredshowninthe Declarations,thisinsuranceapplies:

1.AsifeachNamedInsuredweretheonly NamedInsured;and

2.Separatelytoeachinsuredagainstwhom claimismadeor"suit"isbrought.

T.WAIVERORTRANSFEROFRIGHTSOF RECOVERYAGAINSTOTHERSTOUS

1.Iftheinsuredhasrightstorecoverallorpart ofanypaymentwehavemadeunderthis insurance,thoserightsaretransferredtous andtheinsuredmustdonothingafterlossto impairthem.Atourrequest,theinsuredwill bringsuitortransferthoserightstousand helpus,andwithrespecttoCoverageA,the "underlyinginsurer",enforcethem.

Iftheinsuredhasagreedinacontractor agreementtowaivethatinsured'srightof recoveryagainstanypersonororganization, wewaiveourrightofrecoveryagainstthat personororganization,butonlyforpayments wemakebecauseofan"event"thattakes placeoriscommittedsubsequenttothe executionofthatcontractoragreementby suchinsured.

2.Reimbursementofanyamountrecoveredwill bemadeinthefollowingorder:

a.First,toanypersonororganization (includingusortheinsured)whohaspaid anyamountinexcessoftheapplicable limitofinsurance;

b.Next,tous;and

c.Then,toanypersonororganization (includingtheinsuredandwithrespectto CoverageA,the"underlyinginsurer")that isentitledtoclaimtheremainder,ifany.

3.Expensesincurredintheprocessofrecovery will be divided among all persons or organizationsreceivingamountsrecovered accordingtotheratiooftheirrespective recoveries.

U.TRANSFEROFYOURRIGHTSANDDUTIES UNDERTHISINSURANCE

1.Yourrightsanddutiesunderthisinsurance maynotbetransferredwithoutourwritten consentexceptinthecaseofdeathofan individualNamedInsured.

2.Ifyoudie,yourrightsanddutieswillbe transferredtoyourlegalrepresentativebut onlywhileactingwithinthescopeofdutiesas yourlegalrepresentative.Untilyourlegal representativeisappointed,anyonehaving propertemporarycustodyofyourpropertywill haveyourrightsanddutiesbutonlywith respecttothatproperty.

V.UNINTENTIONALOMISSIONORERROR

Theunintentionalomissionof,orunintentional errorin,anyinformationprovidedbyyouwhichwe relieduponinissuingthispolicywillnotprejudice yourrightsunderthisinsurance.However,this

provisiondoesnotaffectourrighttocollect additionalpremiumortoexerciseourrightsof cancellationornonrenewalinaccordancewith applicableinsurancelawsorregulations.

W.WHENLOSSISPAYABLE

Ifweareliableunderthisinsurance,wewillpay forinjury,damageorlossafter:

1.Theinsured'sliabilityisestablishedby:

a.Acourtdecision;or

b.A written agreement between the claimant,theinsured,any"underlying insurer"andus;and

2.Theamountofthe"applicableunderlying limit"or"self-insuredretention"ispaidbyor onbehalfoftheinsured.

SECTIONVI–DEFINITIONS

A.Withrespecttoallcoveragesofthisinsurance:

1."Applicableunderlyinglimit"meansthesumof:

a.Theapplicablelimitofinsurancestated forthepoliciesof"underlyinginsurance" intheScheduleOfUnderlyingInsurance subjecttotheprovisionsinParagraphs 4.a.(1),(2)and(3)ofCOVERAGEA–EXCESSFOLLOW-FORMLIABILITYof SECTIONI–COVERAGES;and

b.Theapplicablelimitofinsuranceofany "otherinsurance"thatapplies.

Thelimitsofinsuranceinanypolicyof "underlyinginsurance"willapplyevenif:

a.The "underlying insurer" claims the insuredfailedtocomplywithanytermor conditionofthepolicy;or

b.The "underlying insurer" becomes bankruptorinsolvent.

2."Autohazard"meansall"bodilyinjury"and "propertydamage"towhichliabilityinsurance affordedunderanautopolicyof"underlying insurance"wouldapplybutfortheexhaustion ofitsapplicablelimitsofinsurance.

3."Electronicdata"meansinformation,factsor programsstoredasoron,createdorusedon, ortransmittedtoorfromcomputersoftware (includingsystemsandapplicationssoftware), hardorfloppydisks,CD-ROMs,tapes,drives, cells,dataprocessingdevicesoranyother mediawhichareusedwithelectronically controlledequipment.

4."Event"meansan "occurrence",offense, accident,act,error,omission,wrongfulactor loss.

5."Extendedreportingperiod"meansanyperiod oftime,startingwiththeendofthepolicy periodofyourclaims-madeinsurance,during whichclaimsor"suits"maybefirstmade, broughtorreportedforthatinsurance.

6."Medical expenses" means expenses to whichanyMedicalPaymentssectionofany policy of Commercial General Liability "underlyinginsurance"applies.

7."Otherinsurance"meansinsurance,orthe fundingoflosses,thatisprovidedby,through oronbehalfof:

a.Anotherinsurancecompany;

b.Us oranyofouraffiliated insurance companies;

c.Anyriskretentiongroup;

d.Anyself-insurancemethodorprogram,in whichcasetheinsuredwillbedeemedto betheproviderofsuchinsurance;or

e.Any similar risk transfer or risk managementmethod.

"Otherinsurance"doesnotinclude:

a.Any"underlyinginsurance";or

b.Any policy of insurance specifically purchasedtobeexcessofthelimitsof insuranceofthispolicyshowninthe Declarations.

8."Products-completedoperationshazard":

a.Includesall"bodilyinjury"and"property damage"occurringawayfrompremises youownorrentandarisingoutof"your product"or"yourwork"except:

(1)Productsthatarestillinyourphysical possession;or

(2)Work that has not yet been completed or abandoned. However, "yourwork"willbedeemedcompleted attheearliestofthefollowingtimes:

(a)Whenalltheworkcalledforin your contract has been completed;

(b)Whenalltheworktobedoneat thejobsitehasbeencompletedif yourcontractcallsforworkat morethanonejobsite;or

(c)Whenthatpartoftheworkdone atajobsitehasbeenputtoits intendedusebyanypersonor organization other than another contractor or subcontractor workingonthesameproject.

Work that may need service, maintenance, correction, repair or replacement,butwhichisotherwise complete, will be treated as completed.

b.Does not include "bodily injury" or "propertydamage"arisingoutof:

(1)Thetransportationofproperty,unless theinjuryordamagearisesoutofa conditioninoronavehiclenotowned oroperatedbyyou,andthatcondition was created by the "loading or unloading" of that vehicle by any insured;

(2)The existence of tools, uninstalled equipmentorabandonedorunused materials;or

(3)Productsoroperationsforwhichthe classification listed in a policy of Commercial General Liability "underlying insurance" states that products-completed operations are subject to the General Aggregate Limit.

9."Suit"meansacivilproceedingwhichalleges damages."Suit"includes:

a.An arbitration proceeding in which damagesareclaimedandtowhichthe insuredmustsubmitordoessubmitwith ourconsent;or

b.Any other alternative dispute resolution proceedingtowhichtheinsuredsubmits withourconsent.

10."Underlyinginsurance":

a.Meansthepolicyorpoliciesofinsurance listed in the Schedule Of Underlying Insurance.

b.Includesanyrenewalorreplacementof such policies if such renewal or replacementisduringthepolicyperiodof this Excess Follow-Form And Umbrella LiabilityInsurance.

c.Doesnotincludeanypartofthepolicy periodofanyofthepoliciesdescribedin Paragraphsa.orb.abovethatbegan before,orthatcontinuesafter,thepolicy periodofthisExcessFollow-FormAnd UmbrellaLiabilityInsurance.

11."Underlyinginsurer"meansanyinsurerwhich providesapolicyofinsurancelistedinthe ScheduleOfUnderlyingInsurance.

B.WithrespecttoCoverageBand,totheextentthat thefollowingtermsarenotdefinedinthe "underlyinginsurance",toCoverageA:

1."Advertisement" means a notice that is broadcastorpublishedtothegeneralpublic orspecificmarketsegmentsaboutyour goods,productsorservicesforthepurposeof attractingcustomersorsupporters.Forthe purposesofthisdefinition:

a.Notices that are published include materialplacedontheInternetoron similar electronic means of communication;and

b.Regardingwebsites,onlythatpartofa websitethat isaboutyourgoods, productsorservicesforthepurposesof attracting customers orsupporters is consideredanadvertisement.

2."Advertisinginjury":

a.Meansinjury,otherthan"personalinjury", causedbyoneormoreofthefollowing offenses:

(1)Oralorwrittenpublication,including publicationbyelectronicmeans,of materialinyour"advertisement"that slanders or libels a person or organizationordisparagesaperson's ororganization'sgoods,productsor services,providedthattheclaimis madeorthe"suit"isbroughtbya personororganizationthatclaimsto havebeenslanderedorlibeled,or thatclaimstohavehaditsgoods, productsorservicesdisparaged;

(2)Oralorwrittenpublication,including publicationbyelectronicmeans,of materialinyour"advertisement"that:

(a)Appropriatesaperson'sname, voice,photographorlikeness;or

(b)Unreasonablyplacesapersonin afalselight;or

(3)Infringementofcopyright,"title"or "slogan" in your "advertisement", providedthattheclaimismadeorthe "suit"isbroughtbyapersonor organizationthatclaimsownershipof suchcopyright,"title"or"slogan".

b.Includes"bodilyinjury"causedbyoneor more of the offenses described in Paragrapha.above.

3."Auto"means:

a.Alandmotorvehicle,trailerorsemitrailer designedfor travelon public roads,

including any attached machinery or equipment;or

b.Anyotherlandvehiclethatissubjecttoa compulsoryorfinancialresponsibilitylaw or other motor vehicle insurance law whereitislicensedorprincipallygaraged.

However, "auto" does notinclude"mobile equipment".

4."Bodilyinjury"means:

a.Physical harm, including sickness or disease,sustainedbyaperson;or

b.Mental anguish, injury or illness, or emotionaldistress,resultingatanytime fromsuch physicalharm, sicknessor disease.

5."Broadcasting"meanstransmittinganyaudio orvisualmaterialforanypurpose:

a.Byradioortelevision;or

b.In,byorwithanyotherelectronicmeans ofcommunication,suchastheInternet,if thatmaterialispartof:

(1)Radio or television programming beingtransmitted;

(2)Other entertainment, educational, instructional, music or news programmingbeingtransmitted;or

(3)Advertisingtransmittedwithanysuch programming.

6."Consumer financial identity information" meansanyofthefollowinginformationfora personthatisusedorcollectedforthe purposeofservingasafactorinestablishing suchperson'seligibilityforpersonalcredit, insuranceoremploymentorforthepurpose ofconductingabusinesstransaction:

a.Partoralloftheaccountnumber,the expirationdateorthebalanceofany credit, debit, bank or other financial account;

b.Informationbearingonaperson'scredit worthiness, credit standing or credit capacity;

c.Socialsecuritynumber;

d.Driver'slicensenumber;or

e.Birthdate.

7."Consumerfinancialprotectionlaw"means:

a.TheFairCreditReportingAct(FCRA)and anyofitsamendments,includingtheFair and Accurate Credit Transactions Act (FACTA);

b.California'sSong-BeverlyCreditCardAct andanyofitsamendments;or

c.Anyotherlaworregulationthatrestricts orprohibitsthecollection,dissemination, transmission, distribution or use of "consumerfinancialidentityinformation".

8."Employee" includes a "leased worker". "Employee"doesnotincludea"temporary worker".

9."Good Samaritan services" means any emergency medical services for which no compensationisdemandedorreceived.

10."Impairedproperty"meanstangibleproperty, otherthan"yourproduct"or"yourwork",that cannotbeusedorislessusefulbecause:

a.It incorporates"your product"or "your work"thatisknownorthoughttobe defective, deficient, inadequate or dangerous;or

b.Youhavefailedtofulfillthetermsofa contractoragreement; ifsuchpropertycanberestoredtousebythe repair,replacement,adjustmentorremovalof "yourproduct"or"yourwork"oryourfulfilling thetermsofthecontractoragreement.

11."Leasedworker"meansapersonleasedto you by a labor leasing firm under an agreementbetweenyouandthelaborleasing firm,toperformdutiesrelatedtotheconduct ofyourbusiness."Leasedworker"doesnot includea"temporaryworker".

12."Loadingorunloading"meansthehandlingof property:

a.Afteritismovedfromtheplacewhereitis acceptedformovementintoorontoan aircraft,watercraftor"auto";

b.Whileitisinoronanaircraft,watercraft or"auto";or

c.Whileitisbeingmovedfromanaircraft, watercraftor"auto"totheplacewhereit isfinallydelivered; but"loadingorunloading"doesnotinclude themovementofpropertybymeansofa mechanicaldevice,otherthanahandtruck, thatisnotattachedtotheaircraft,watercraft or"auto".

13."Mobileequipment"meansanyofthefollowing typesoflandvehicles,includinganyattached machineryorequipment:

a.Bulldozers,farmmachinery,forkliftsand othervehiclesdesignedforuseprincipally offpublicroads.

b.Vehiclesmaintainedforusesolelyonor nexttopremisesyouownorrent.

c.Vehiclesthattraveloncrawlertreads.

d.Vehicles, whether self-propelled or not, maintainedprimarilytoprovidemobilityto permanentlymounted:

(1)Power cranes, shovels, loaders, diggersordrills;or

(2)Road construction or resurfacing equipmentsuchasgraders,scrapers orrollers.

e.VehiclesnotdescribedinParagrapha.,b., c.ord.abovethatarenotself-propelled andaremaintainedprimarilytoprovide mobility to permanently attached equipmentofthefollowingtypes:

(1)Air compressors, pumps and generators, including spraying, welding,buildingcleaning,geophysical exploration,lightingandwellservicing equipment;or

(2)Cherry pickers and similar devices usedtoraiseorlowerworkers.

f. VehiclesnotdescribedinParagrapha.,b., c.ord.abovemaintainedprimarilyfor purposesotherthanthetransportationof personsorcargo.

However,self-propelledvehicleswiththe following types of permanently attached equipmentarenot"mobileequipment"but willbeconsidered"autos":

(1)Equipmentdesignedprimarilyfor:

(a)Snowremoval;

(b)Road maintenance, but not constructionorresurfacing;or

(c)Streetcleaning;

(2)Cherry pickers and similar devices mounted on automobile or truck chassisandusedtoraiseorlower workers;and

(3)Air compressors, pumps and generators, including spraying, welding,buildingcleaning,geophysical exploration,lightingandwellservicing equipment.

However,"mobileequipment"doesnotinclude anylandvehiclethatissubjecttoacompulsory orfinancialresponsibilitylaw,orothermotor vehicleinsurancelaw,whereitislicensedor principallygaraged.Suchlandvehiclesare considered"autos".

14."Occurrence"means:

a.Withrespectto"bodilyinjury"or"property damage":

(1)Anaccident,includingcontinuousor repeatedexposuretosubstantiallythe same general harmful conditions, whichresultsin"bodilyinjury"or "propertydamage".All"bodilyinjury" or"propertydamage"causedbysuch exposuretosubstantiallythesame generalharmfulconditionswillbe deemed to be caused by one "occurrence";or

(2)Anactoromissioncommittedin providingorfailingtoprovidefirstaid or"GoodSamaritanservices"toa personbyanyofyour"employees"or "volunteerworkers"otherthanan employedorvolunteerdoctor,unless youareinthebusinessoroccupation ofprovidingprofessionalhealthcare services;

b.Withrespectto"personalinjury",an offensearisingoutofyourbusinessthat resultsin"personalinjury".All"personal injury"causedbythesameorrelated injuriousmaterial,actoroffensewillbe deemed to be caused by one "occurrence",regardlessofthefrequency orrepetitionthereof,thenumberandkind ofmediausedorthenumberofpersons or organizations making claims or bringing"suits";and

c.Withrespectto"advertisinginjury",an offensecommitted inthe course of advertisingyourgoods,productsand servicesthatresultsin"advertisinginjury".

All"advertisinginjury"causedbythe sameorrelatedinjuriousmaterial,actor offensewillbedeemedtobecausedby one "occurrence", regardless of the frequency or repetition thereof, the numberandkindofmediausedorthe number of persons or organizations makingclaimsorbringing"suits".

15."Officer"meansapersonholdinganyofthe officerpositionscreatedbyyourcharter, constitution,bylawsoranyothersimilar governingdocument.

16."Personalinjury":

a.Meansinjury,otherthan"advertising injury",causedbyoneormoreofthe followingoffenses:

(1)False arrest, detention or imprisonment;

(2)Maliciousprosecution;

(3)Thewrongfulevictionfrom,wrongful entryinto,orinvasionoftherightof privateoccupancyofaroom,dwelling orpremisesthatapersonoccupies, provided that the wrongful eviction, wrongfulentryorinvasionoftheright ofprivateoccupancyiscommittedby oronbehalfoftheowner,landlordor lessor of that room, dwelling or premises;

(4)Oralorwrittenpublication,including publication by electronic means, of material that slanders or libels a personororganizationordisparages a person's or organization's goods, products or services, provided that theclaimismadeorthe"suit"is broughtbyapersonororganization thatclaimstohavebeenslanderedor libeled,orthatclaimstohavehadits goods, products or services disparaged;or

(5)Oralorwrittenpublication,including publication by electronic means, of materialthat:

(a)Appropriates a person's name, voice,photographorlikeness;or

(b)Unreasonablyplacesapersonin afalselight.

b.Includes"bodilyinjury"causedbyoneor more of the offenses described in Paragrapha.above.

17."Pollutants"meananysolid,liquid,gaseousor thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed.

18."Propertydamage"means:

a.Physical injury to tangible property, includingallresultinglossofuseofthat property.Allsuchlossofusewillbe deemed tooccur atthe time ofthe physicalinjurythatcausedit;or

b.Lossofuseoftangiblepropertythatisnot physicallyinjured.Allsuchlossofusewill bedeemedtooccuratthetimeofthe "occurrence"thatcausedit.

For the purposes of this insurance, "electronicdata"isnottangibleproperty.

19."Self-insuredretention"isthegreaterof:

a.TheamountshownintheDeclarations whichtheinsuredmustfirstpayunder CoverageBfordamagesbecauseofall

"bodily injury", "property damage", "personal injury" or "advertising injury" arisingoutofanyone"occurrence";or

b.Theapplicablelimitofinsuranceofany "otherinsurance"thatapplies.

20."Slogan":

a.Meansaphrasethatothersuseforthe purposeofattractingattentionintheir advertising.

b.Doesnotincludeaphraseusedas,orin, thenameof:

(1)Anypersonororganizationotherthan you;or

(2)Anybusiness,oranyofthepremises, goods,products,servicesorwork,of anypersonororganizationotherthan you.

21."Temporaryworker"meansapersonwhois furnishedtoyoutosubstituteforapermanent "employee"onleaveortomeetseasonalor short-termworkloadconditions.

22."Title"meansthenameofaliteraryorartistic work.

23."Unsolicited communication" means any communication,inanyform,thattherecipient ofsuchcommunicationdidnotspecifically requesttoreceive.

24."Volunteerworker"meansapersonwhois notyour"employee",andwhodonateshisor herworkandactsatthedirectionofand withinthescopeofdutiesdeterminedbyyou, and isnot paida fee, salary orother compensationbyyouoranyoneelsefortheir workperformedbyyou.

25."Yourproduct":

a.Means:

(1)Anygoodsorproducts,otherthan real property, manufactured, sold, handled,distributedordisposedofby:

(a)You;

(b)Otherstradingunderyourname; or

(c)Apersonororganizationwhose business or assets you have acquired;and

(2)Containers (other than vehicles), materials, parts or equipment furnished in connection with such goodsorproducts.

b.Includes:

(1)Warrantiesorrepresentationsmade atanytimewithrespecttothefitness, quality,durability,performanceoruse of"yourproduct";and

(2)Theprovidingoforfailuretoprovide warningsorinstructions.

c.Doesnotincludevendingmachinesor otherpropertyrentedtoorlocatedforthe useofothersbutnotsold.

26."Yourwork":

a.Means:

(1)Workoroperationsperformedbyyou oronyourbehalf;and

(2)Materials, parts or equipment furnishedinconnectionwithsuch workoroperations.

b.Includes:

(1)Warrantiesorrepresentationsmade atanytimewithrespecttothefitness, quality,durability,performanceoruse of"yourwork";and

(2)Theprovidingoforfailuretoprovide warningsorinstructions.

C.WithrespecttoCoverageC:

1."Crisismanagementadvisor"meansany publicrelationsfirmorcrisismanagement firmapprovedbyusthatishiredbyyouto perform"crisismanagementservices"in connectionwitha"crisismanagementevent".

2."Crisismanagementevent"meansan"event" or"occurrence"thatyour"executiveofficer" reasonablydetermineshasresulted,ormay result,in:

a.DamagescoveredbythisCoverageAor CoverageBthatareinexcessofthetotal applicable limits of the "underlying insurance"or"self-insuredretention";and

b.Significantadverseregionalornational mediacoverage.

3."Crisis management service expenses" meansamountsincurredbyyou,aftera "crisismanagementevent"firstcommences andbeforesucheventends:

a.Forthereasonableandnecessary:

(1)Feesandexpensesofa"crisis management advisor" in the performance for you of "crisis managementservices"solelyfora "crisismanagementevent";and

(2)Costsforprinting,advertising,mailing of materials or travel by your directors, officers, employees or agentsora "crisismanagement advisor" solely for a "crisis managementevent";and

b.Forthefollowingexpensesresultingfrom such"crisismanagementevent",provided thatsuchexpenseshavebeenapproved byus:

(1)Medicalexpenses;

(2)Funeralexpenses;

(3)Psychologicalcounseling;

(4)Travelexpenses;

(5)Temporarylivingexpenses;

(6)Expensestosecurethesceneofa "crisismanagementevent";or

(7)Anyotherexpensespre-approvedby us.

4."Crisismanagementservices"meansthose servicesperformedbya"crisismanagement advisor" in advising you or minimizing potential harm to you from a "crisis management event" by maintaining or restoringpublicconfidenceinyou.

5."Executiveofficer"meansyour:

a.ChiefExecutiveOfficer;

b.ChiefOperatingOfficer;

c.ChiefFinancialOfficer;

d.President;

e.GeneralCounsel;

f. Generalpartner(ifyouareapartnership);or

g.Sole proprietor (if you are a sole proprietorship); oranypersonactinginthesamecapacityas anyindividuallistedabove.

ADDITIONAL INSURED WITHPRIMARY/NONCONTRIBUTORYPROVISION ENDORSEMENT

Itis understood and agreed thatthe Policy is amended as follows:

The Section ofthe Policy entitled COVERAGE, the sub-section entitled DEFENSE & SETTLEMENT is amended by the addition ofthe following:

Additional Insured with Primary/Non-Contributory Provision

I. We also have the right and duty todefenda claim againstany person or organization whom you are required toadd as an additional insured under this Policy under a written contract or written agreement, provided such contract or agreement:

1. is currently in effect or becomes effective during the term of thispolicy;

2. was executed prior tothe bodily injury or property damage for which such additional insured seeks coverage; and

3. expressly requires making the person or organization an additional insured for pollution coverage suchas is provided by thispolicy.

II. The insurance provided tothe additional insured islimited as follows:

1. The person or organization is an additional insured only with respect to liability for bodily injury or property damage:

a. caused entirely by your negligent acts or omissions or those of others working on your behalf; and

b. for which you would be covered under thispolicy,if the claim hadbeen brought against you

2. If defense of such a claim results in the additional insured's legal obligation to pay compensatory damages for bodily injury or property damage described in paragraph 2.a. above, then subject to all ofthe terms and conditions of thispolicy, we will pay such damages in excess ofthe self-insured retention uptothe applicable Limit of Liability.

3. This insurance is excess of all other insurance available tothe additional insured,whether ona primary, excess, contingent or any other basis. But if required by written contract or agreement tobe primary and non-contributory, this insurance will be primary and non-contributory relative to insurance on which the additional insured is a Named Insured.

4. Any coverage granted by this provision shall apply only tothe extent permissible by law.

All other terms and conditions ofthe Policy remain unchanged.

This endorsement, which forms a part ofand is for attachment tothe policy issued by the designated Insurers, takes effect onthe Policy Effective dateof said policy atthe hour stated in said policy, unless another effective date (the Endorsement Effective Date) is shownbelow, and expires concurrently with said policy.