SURPLUS LINES STATEMENT

Policy Number
Insured Name






Surplus Lines Agent:
Premium: $


S/L Tax: $

FSLSO Service Fee: $


FHCF: $



CPIC Emergency Assessment: $



EMPA: $






Total: $



Producing Agent:





Lic #




THIS INSURANCE IS ISSUED PURSUANT TO THE FLORIDA SURPLUS LINES LAW. PERSONS
INSURED BY SURPLUS LINES CARRIERS DO NOT HAVE THE PROTECTION OF THE FLORIDA
INSURANCE GUARANTY ACT TO THE EXTENT OF ANY RIGHT OF RECOVERY FOR THE
OBLIGATION OF AN INSOLVENT UNLICENSED INSURER.























S









CIU 0101FL 03/08







urplus Lines Agent
210 Park Avenue
Suite 1300
Oklahoma City, OK 73102
TSIC 70 02 08 20
Trisura Specialty Insurance Company, Inc.
Page 1 of 1

SIGNATURE CLAUSE
SIGNATURE CLAUSE
In Witness Whereof, we have caused the policy to be executed and attested, and, if required by state law,
this policy shall not be valid unless countersigned by our authorized representative.
TRISURA SPECIALTY INSURANCE COMPANY, INC.
_____________________
Eileen Sweeney
COO
___________________
Michael Beasley
President & CEO
Issue Date: 11/1/2023
TSIC CIU CPP 001D 10 12











TRISURA SPECIALTY INSURANCE COMPANY

COMMERCIAL PACKAGE POLICY DECLARATIONS PAGE



Policy Number:




Inception Date:

Expiration Date:

12:01 AM Standard Time at the
address of the insured as stated
herein.


Named Insured and Address
Producing Agency Name and Address



This policy consists of the following coverage parts for which a premium is indicated. The premium may be
subject to audit by the company.


Coverage(s) Included in Policy
Premium
Commercial Property

Commercial General Liability

Crime - Employee Dishonesty
Directors & Officers Liability
Policy Premium:

Fees













Total Premium and Fees:


In Return For The Payment Of The Premium, And Subject To All The Terms Of This Policy, We Agree With You To Provide The Insurance As Stated In This
Policy. This Policy Supercedes Any Previous Policy Bearing The Same Number And Policy Period.


“SURPLUS LINES INSURERS’ POLICY RATES AND FORMS ARE NOT
APPROVED BY ANY STATE REGULATORY AGENCY.”

Payment Method: This is an agency bill policy.

Premium payable at inception:







Authorized Representative

Issue Date: 11/1/2023

TSIC CIU IL 003 10 12













TRISURA SPECIALTY INSURANCE COMPANY

POLICY LOCATION SCHEDULE

Policy Number:

Policy Period:

To:

Named Insured:



LOCATIONS OF ALL PREMISES YOU OWN, RENT, OR OCCUPY

Bldg #
Address
Building Name
Building Desc.
City
State
Zip













































































































































Issue Date: 11/1/2023
TSIC CIU GL 007D 10 12





TRISURA SPECIALTY INSURANCE COMPANY

COMMERCIAL GENERAL LIABILITY COVERAGE PART DECLARATIONS PAGE

Policy Number:

Policy Period:

To:

Named Insured:



LIMITS OF INSURANCE



BUSINESS DESCRIPTION AND LOCATION OF PREMISES

Business Description:

Location - See Location Schedule



PREMIUM


Code No.

Classification Description

Premium Basis

Exposure














Issue Date: 11/1/2023
TSIC CIU CR 001D 01 16







TRISURA SPECIALTY INSURANCE COMPANY

COMMERCIAL CRIME COVERAGE PART DECLARATIONS PAGE


Policy Number:

Policy Period:

To:

Named Insured:



COVERAGES, LIMITS OF INSURANCE AND DEDUCTIBLES

Insuring Agreements, Limit of Insurance and Deductible Amounts shown below are subject to all of the terms of this policy that apply.




Issue Date: 11/1/2023
TSIC CIU DO 005D 10 12




TRISURA SPECIALTY INSURANCE COMPANY

CONDOMINIMUM DIRECTORS OFFICERS AND EMPLOYMENT PRACTICES LIABILITY
INSURANCE POLICY DECLARATIONS PAGE

Policy Number:

Policy Period:

To:

Named Insured:

 
 
ITEM 1.
INSURED ORGANIZATION NAME AND PRINCIPAL ADDRESS






ITEM 2.
POLICY PERIOD



Local time at the address shown in item
ITEM 3.
LIMIT OF LIABILITY


$ maximum aggregate limit of liability for all claims first made in the policy
period. EACH CLAIM LIMIT $
ITEM 4.
DEDUCTIBLE $ per claim


ITEM 5.
PREMIUM $Included


ITEM 6.
ENDORSEMENTS ATTACHED






ITEM 7.
NOTICES


All notices required to be given to the insurer under this policy shall be addressed to:



 
 
 


These Declarations along with the completed and signed Condominium Association Supplemental application, the
Condominium Directors, Officers and Employment Practices Liability Insurance Policy and any endorsements attached
shall constitute the contract between the insured and us.
 
Issue Date: 11/1/2023
POLICY FORMS DECLARATIONS
Form Number
Form Date
Form Description
TSIC 70 02
08/20
Signature Page
TSIC CIU CPP
001D
10/12
Commercial Package Policy Declarations Page
TSIC CIU IL 003
10/12
Policy Location Schedule
TSIC CIU GL 007D
10/12
Commercial General Liability Coverage Part Declarations Page
TSIC CIU CR 001D
01/16
Commercial Crime Coverage Part Declarations Page
TSIC CIU DO 005D
10/12
Condominium Directors Officers And Employment Practices Liability Insurance Policy
Declarations Page
CIU0100FL
03/08
Surplus Lines Statement
TSIC CIU IL 001
10/12
Minimum Earned Premium Endorsement
IL0003
09/08
Calculation of Premium
IL0017
11/98
Common Policy Conditions
TSIC CIU IL 005
10/12
Service of Suit Clause
TRIA Disclosure
09/12
Policyholder Disclosure Notice of Terrorism Insurance Coverage And Cap On Losses
TSIC CIU IL 031
05/20
Cancellation And Nonrenewal Endorsement
TSIC CIU CP 019
07/13
Special Activity Exclusion
CG0001
12/07
Commercial General Liability Coverage Form
CG0300
01/96
Deductible Liability Insurance
CG2004
11/85
Additional Insured - Condominium Unit Owners
CG0067
03/05
Exclusion - Violation of Statutes that Govern E-mails, Fax, Phone Calls or Other Methods of
Sending Material or Information
CG2147
12/07
Exclusion - Employment Related Practices Exclusion
CG2165
12/04
Exclusion – Total Pollution Exclusion With A Building Heating, Cooling, And Dehumidifying
Equipment Exception And A Hostile Fire Exception
TSIC CIU GL 004
08/18
General Liability Coverage Extension Endorsement - Community Association
CG2160
09/98
Exclusion - Year 2000 Computer-Related And Other Electronic Problems
CG2167
12/04
Fungi or Bacteria Exclusion
CG2196
03/05
Silica or Silica Related Dust Exclusion
CG2186
12/04
Exclusion - Exterior Insulation and Finish Systems
TSIC CIU IL 018
11/13
Nuclear, Biological or Chemical Terrorism Exclusion
TSIC CIU IL 019
01/15
Terrorism Exclusion
CG2426
07/04
Amendment of Insured Contract Definition
TSIC CIU GL 002
10/12
Exclusion - Lead Paint
TSIC CIU GL 003
10/12
Exclusion - Asbestos
IL0021
09/08
Nuclear Energy Liability Exclusion Endorsement (Broad Form)
TSIC CIU GL 006
10/12
Hired and Non-Owned Auto Liability
TSIC CIU GL 025
11/20
Communicable Disease Exclusion
TSIC CIU DO 001
02/18
Condominium Directors, Officers and Employment Practices Liability Insurance Policy
TSIC CIU DO 010
01/15
Employment Practices Liability Coverage Exclusion Endorsement
TSIC CIU DO 012
01/15
Property Manager Entity Coverage Endorsement
TSIC CIU DO 015
01/15
Failure To Maintain Insurance Endorsement
TSIC CIU DO 016
01/15
Increased Consent To Settle Clause Coverage Endorsement
TSIC CIU DO 019
02/15
Bodily Injury / Physical Damage Exclusion Endorsement
TSIC CIU DO 021
03/15
Catastrophic Event Preparedness And Response Exclusion
Issue Date: 11/1/2023
TSIC CIU DO 002
01/16
Continuity of Coverage Endorsement
CR0020
11/15
Commercial Crime Policy (Discovery Form)
CR2508
10/10
Include Specified Non-Compensated Officers
CR2506
10/10
Include Chairman and Member of Specified Committees
CR2502
10/10
Include Designated Agents as Employees
TSIC CIU CR 004
05/18
Deception Fraud Endorsement
CR0151
08/07
Florida Changes - Legal Action Against Us
Issue Date: 11/1/2023





TRISURA SPECIALTY INSURANCE COMPANY

TSIC CIU IL 001 10 12
Includes copyrighted material of ISO Properties, Inc.
used with permission
Page 1 of 1







POLICY NUMBER:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

MINIMUM EARNED PREMIUM ENDORSEMENT


This endorsement modifies insurance provided under this policy.

The minimum earned premium for this policy will be $
, unless we cancel
the policy.



IL 00 03 09 08

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

IL 00 03 09 08
© ISO Properties, Inc., 2007
Page 1 of 1


CALCULATION OF PREMIUM

This endorsement modifies insurance provided under the following:

CAPITAL ASSETS PROGRAM (OUTPUT POLICY) COVERAGE PART
COMMERCIAL AUTOMOBILE COVERAGE PART
COMMERCIAL GENERAL LIABILITY COVERAGE PART
COMMERCIAL INLAND MARINE COVERAGE PART
COMMERCIAL PROPERTY COVERAGE PART
CRIME AND FIDELITY COVERAGE PART
EMPLOYMENT-RELATED PRACTICES LIABILITY COVERAGE PART
EQUIPMENT BREAKDOWN COVERAGE PART
FARM COVERAGE PART
LIQUOR LIABILITY COVERAGE PART
MEDICAL PROFESSIONAL LIABILITY COVERAGE PART
OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART
POLLUTION LIABILITY COVERAGE PART
PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART
RAILROAD PROTECTIVE LIABILITY COVERAGE PART

The following is added:
The premium shown in the Declarations was comput-
ed based on rates in effect at the time the policy was
issued. On each renewal, continuation, or anniversary
of the effective date of this policy, we will compute the
premium in accordance with our rates and rules then
in effect.

IL 00 17 11 98


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

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

A. Cancellation

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

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

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

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

3. We will mail or deliver our notice to the first
Named Insured's last mailing address known to
us.

4. Notice of cancellation will state the effective
date of cancellation. The policy period will end
on that date.

5. If this policy is cancelled, we will send the first
Named Insured any premium refund due. If we
cancel, the refund will be pro rata. If the first
Named Insured cancels, the refund may be
less than pro rata. The cancellation will be ef-
fective even if we have not made or offered a
refund.

6. If notice is mailed, proof of mailing will be suffi-
cient proof of notice.
B. Changes
This policy contains all the agreements between
you and us concerning the insurance afforded.
The first Named Insured shown in the Declara-
tions is authorized to make changes in the terms
of this policy with our consent. This policy's terms
can be amended or waived only by endorsement
issued by us and made a part of this policy.
C. Examination Of Your Books And Records
We may examine and audit your books and rec-
ords as they relate to this policy at any time during
the policy period and up to three years afterward.
D. Inspections And Surveys

1. We have the right to:

a. Make inspections and surveys at any time;

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

c. Recommend changes.

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

a. Are safe or healthful; or

b. Comply with laws, regulations, codes or
standards.

3. Paragraphs 1. and 2. of this condition apply not
only to us, but also to any rating, advisory, rate
service or similar organization which makes in-
surance inspections, surveys, reports or rec-
ommendations.

4. Paragraph 2. of this condition does not apply to
any inspections, surveys, reports or recom-
mendations we may make relative to certifica-
tion, under state or municipal statutes, ordi-
nances or regulations, of boilers, pressure
vessels or elevators.
E. Premiums
The first Named Insured shown in the Declara-
tions:

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

2. Will be the payee for any return premiums we
pay.
F. Transfer Of Your Rights And Duties Under This
Policy
Your rights and duties under this policy may not
be transferred without our written consent except
in the case of death of an individual named in-
sured.
If you die, your rights and duties will be transferred
to your legal representative but only while acting
within the scope of duties as your legal repre-
sentative. Until your legal representative is ap-
pointed, anyone having proper temporary custody
of your property will have your rights and duties
but only with respect to that property.






TRISURA SPECIALTY INSURANCE COMPANY

TSIC CIU IL 005 10 12
Includes copyrighted material of ISO Properties, Inc.
used with permission
Page 1 of 1



THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

SERVICE OF SUIT CLAUSE

Service of Suit: In the event of failure of the Company to pay any amount claimed to be due hereunder,
the Company, at the request of the Insured, will submit to the jurisdiction of a court of competent
jurisdiction within the United States. Nothing in this condition constitutes or should be understood to
constitute a waiver of the Company's rights to commence an action in any court of competent jurisdiction
in the United States to remove an action to a United States District Court or to seek a transfer of a case to
another court as permitted by the laws of the United States or of any state in the United States. It is further
agreed that service or process in such suit may be made upon Counsel, Legal Department, Trisura Specialty
Insurance Company, 210 Park Avenue, Suite 1400, Oklahoma City, OK 73102-5636 or his or her representative,
and that in any suit instituted against the Company upon this policy, the Company will abide by the final
decision of such court or of any appellate court in the event of an appeal. Further, pursuant to any statute
of any state, territory, or district of the United States which makes provision therefore, the Company
hereby designates the Superintendent, Commissioner or Director of Insurance, other officer specified for
that purpose in the statute, or his successor or successors in office as its true and lawful attorney upon
whom may be served any lawful process in any action, suit, or proceeding instituted by or on behalf of the
Insured or any -beneficiary hereunder arising out of this policy of insurance and hereby designates the
above named Counsel as the person to whom the said officer is authorized to mail such process or a true
copy thereof.



Includes copyrighted material from Disclosure 2, © 2007 by The National Association of Insurance Commissioners

TRISURA TRIA DISCLOSURE
Ed. 09/2012
Page 1 of 2

POLICYHOLDER DISCLOSURE
NOTICE OF TERRORISM INSURANCE COVERAGE AND
CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM

Coverage for acts of terrorism is included in your policy. You are hereby notified that under the Terrorism
Risk Insurance Act (the “Act”) effective December 26, 2007, the definition of act of terrorism has changed.
Terrorism is defined as any act certified by the Secretary of the Treasury, in concurrence with the
Secretary of State and the Attorney General of the United States, to be an act of terrorism; to be a
violent act or an act that is dangerous to human life, property or infrastructure; to have resulted in
damage within the United States, or outside the United States in the case of an air carrier or vessel or
the premises of a United States Mission; and to have been committed by an individual or individuals as
part of an effort to coerce the civilian population of the United States or to influence the policy or affect
the conduct of the United States Government by coercion.

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

The portion of your annual premium that is attributable to coverage for acts of terrorism is «terrprem», and
does not include any charges for the portion of losses covered by the United States government under the
Act.

If your policy provides commercial property insurance in a jurisdiction that has a statutory standard fire
policy, the premium shown above includes an amount attributable to the insurance provided pursuant to
that statutory standard fire policy, which cannot be rejected.

That amount is $

If aggregate insured losses attributable to terrorist acts certified under the Act exceed $100 billion in a
Program Year (January 1 through December 31) and we have met our insurer deductible under the Act,
we shall not be liable for the payment of any portion of the amount of such losses that exceeds $100
billion, and in such case insured losses up to that amount are subject to pro rata allocation in
accordance with procedures established by the Secretary of the Treasury.

Under the Act, you have thirty (30) days from the date of this notice to consider whether or not you
wish to maintain insurance for terrorism losses covered by the Act.

If you elect not to maintain this insurance, please so indicate by placing an "X" in the space
provided on the next page, sign and return this disclosure notice to your agent or broker as soon
as possible. By electing not to maintain this insurance, you agree that we may attach a terrorism
exclusion or sublimits to your policy. If you do not sign and return this disclosure notice, you will be
deemed to have decided to maintain this insurance, subject to the next paragraph.

If you elect to maintain this insurance, you must pay the premium disclosed above, otherwise we
will avail ourselves of our normal remedies for nonpayment of premium, including cancellation of
your policy in accordance with its terms.







Includes copyrighted material from Disclosure 2, © 2007 by The National Association of Insurance Commissioners

TRISURA TRIA DISCLOSURE
Ed. 09/2012
Page 2 of 2

REJECTION OF FEDERAL TERRORISM INSURANCE COVERAGE


I hereby elect to purchase the federal terrorism insurance coverage for the premium of $



I hereby reject this offer of the federal terrorism insurance coverage and elect to have a terrorism
exclusion, sublimit or other limitation included in my policy. I understand that I will have no, or
limited, coverage for losses arising from acts of terrorism under my policy.







Applicant/Named Insured
Signature or

Policy Number
Authorized Signature








Title

Date






BY RECEIPT OF THIS NOTICE YOU HAVE BEEN NOTIFIED, UNDER THE ACT THAT COVERAGE
UNDER THIS POLICY FOR ANY LOSSES RESULTING FROM CERTIFIED ACTS OF TERRORISM
MAY BE PARTIALLY REIMBURSED BY THE UNITED STATES GOVERNMENT AND MAY BE
SUBJECT TO A $100 BILLION CAP THAT MAY REDUCE YOUR COVERAGE. YOU HAVE ALSO
BEEN NOTIFIED OF THE PORTION OF YOUR PREMIUM ATTRIBUTABLE TO SUCH COVERAGE.




TSIC CIU IL 031 05 20
Includes copyrighted material of ISO Properties, Inc.
used with permission
Page 1 of 2



TRISURA SPECIALTY INSURANCE COMPANY


POLICY NUMBER:




THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CANCELLATION AND NONRENEWAL ENDORSEMENT



This endorsement modifies insurance provided under the following:

BUILDING AND PERSONAL PROPERTY COVERAGE FORM
BUSINESS INCOME COVERAGE FORM – WITH EXTRA EXPENSE
BUSINESS INCOME COVERAGE FORM – WITHOUT EXTRA EXPENSE
COMMERCIAL CRIME COVERAGE FORM
COMMERCIAL GENERAL LIABILITY COVERAGE FORM
COMMERCIAL LIABILITY UMBRELLA COVERAGE FORM
CONDOMINIUM ASSOCIATION COVERAGE FORM
CONDOMINIUM DIRECTORS, OFFICERS AND EMPLOYMENT PRACTICES LIABILITY INSURANCE
POLICY
DIFFERENCE IN CONDITIONS COVERAGE FORM
DIFFERENCE IN CONDITIONS COVERAGE FORM – NAMED PERILS
HOMEOWNERS ASSOCIATIONS DIRECTORS, OFFICERS AND EMPLOYMENT PRACTICES LIABILITY
INSURANCE POLICY
LIQUOR LIABILITY COVERAGE FORM
ENVIRONMENTAL INSURANCE POLICY


A. Paragraph 2. Of the Cancellation Common Policy Condition is replaced by the following:
2. Cancellation Of Policies In Effect
a. For 90 Days Or Less
If this policy has been in effect for 90 days or less, we may cancel this policy by mailing or delivering to
the first Named Insured written notice of cancellation, accompanied by the reasons for cancellation, at
least:
(1) 10 days before the effective date of cancellation if we cancel for nonpayment of premium; or
(2) 20 days before the effective date of cancellation if we cancel for any other reason, except we may
cancel immediately if there has been:
(a) A material misstatement or misrepresentation; or
(b) A failure to comply with the underwriting requirements established by the insurer.
b. For More Than 90 Days
If this policy has been in effect for more than 90 days, we may cancel this policy only for one or more of
the following reasons:
(1) Nonpayment of premium
(2) The policy was obtained by a material misstatement;

TSIC CIU IL 031 05 20
Includes copyrighted material of ISO Properties, Inc.
used with permission
Page 2 of 2


(3) Failure to comply with underwriting requirements established by the insurer within 90 days of the
effective date of coverage;
(4) A substantial change in the risk covered by the policy; or
(5) The cancellation is for all insureds under such policies for a given class of insureds.
(6) On the basis of property insurance claims that are the result of an act of God, if we can
demonstrate, by claims frequency or otherwise, that you have failed to take action reasonably
necessary as requested by us to prevent recurrence of damage to the insured property;
(7) On the basis of filing of claims for partial loss caused by sinkhole damage, or on the basis of the
risk associated with the occurrence of such a claim, if:
(a) The total of such property insurance claim payments for this policy exceeds the current policy
limits of coverage for property damage; or
(b) You have failed to repair the structure in accordance with the engineering recommendations
upon which any loss payment or policy proceeds were based; or
(8) On the basis of a single property insurance claim which is the result of water damage, if we can
demonstrate that you have failed to take action reasonably requested by us to prevent a future
similar occurrence of damage to the insured property.
If we cancel this policy for any of these reasons, we will mail or deliver to the first Named Insured
written notice of cancellation, accompanied by the reasons for cancellation, at least:
(a) 10 days before the effective date of cancellation if we cancel for nonpayment of premium; or
(b) 45 days before the effective date of cancellation if we cancel for any of the other reasons
stated in Paragraph 2.b.
B. Paragraph 3. Of the Cancellation Common Policy Condition is replaced by the following:
3. We will mail or deliver our notice to the first Named Insured at the last mailing address known to us.
C. Paragraph 5. Of the Cancellation Common Policy Condition is replaced by the following:
5.
If this policy is cancelled, we will send the first Named Insured any premium refund due. If we cancel, the
refund will be pro rata. If the first Named Insured cancels, the refund may be less than pro rata.
If the return premium is not refunded with the notice of cancellation or when this policy is returned to us,
we will mail the refund within 15 working days after the date cancellation takes effect, unless this is an
audit policy.
If this is an audit policy, then, subject to your full cooperation with us or our agent in securing the
necessary data for audit, we will return any premium refund due within 90 days of the date cancellation
takes effect. If our audit is not completed within this time limitation, then we shall accept your own audit,
and any premium refund due shall be mailed within 10 working days of receipt of your audit.
The cancellation will be effective even if we have not made or offered a refund.
D. The following is added and supersedes any other provision to the contrary:
Nonrenewal
1.
If we decide not to renew this policy, we will mail or deliver to the first Named Insured written notice of
nonrenewal, accompanied by the reason for nonrenewal, at least 45 days prior to the expiration of this
policy.
2. Any notice of nonrenewal will be mailed or delivered to the first Named Insured at the last mailing address
known to us. If notice is mailed, proof of mailing will be sufficient proof of notice.

ALL OTHER TERMS, CONDITIONS AND EXCLUSIONS REMAIN UNCHANGED.






Trisura Specialty Insurance Company
Page 1 of 1 TSIC CIU CP 019 07 13
Includes copyrighted material of ISO, Inc., with its permission.

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

SPECIAL ACTIVITIES EXCLUSION


THIS ENDORSEMENT MODIFIES INSURANCE PROVIDED UNDER THE FOLLOWING:
COMMERCIAL GENERAL LIABILITY COVERAGE FORM
COMMERCIAL LIABILITY UMBRELLA COVERAGE FORM

In consideration of the premium charged, it is agreed that:
This insurance does not apply to:

1. Any loss, cost, expense, claim or suit arising out of:
a. The rental or lease of (including any rental or lease involving a third party vendor), or any organized activity
involving:
(1) Rollerblades, roller skates, skateboards, or longboards;
(2) Non-motorized vehicles, including, but not limited to bicycles;
(3) All-terrain vehicles, go-carts, scooters, segways and motorcycles; or
(4) Motor boats and/or any offshore water activities, including but not limited to water skiing, jet skiing, knee
boarding, tubing, sailing, kayaking, canoeing, kite boarding, wind surfing and surfing;
b. Aerial activities, including, but not limited to ballooning, parasailing, parachuting, parasurfing, hang gliding,
jetpacking, fly boarding, paragliding, and ultralighting;
c. Mechanical, animal, or amusement rides;
d. Bungee jumping, hunting, archery; or
e. Any activity which occurs at a:
(1) Shooting range;
(2)
Skate park;
(3)
Roller hockey rink; or
(4)
Equestrian center, including any location where equestrian activities take place.

ALL OTHER TERMS, CONDITIONS AND EXCLUSIONS REMAIN UNCHANGED.

COMMERCIAL GENERAL LIABILITY

CG 00 01 12 07

CG 00 01 12 07
© ISO Properties, Inc., 2006
Page 1 of 16


COMMERCIAL GENERAL LIABILITY COVERAGE FORM

Various provisions in this policy restrict coverage.
Read the entire policy carefully to determine rights,
duties and what is and is not covered.
Throughout this policy the words "you" and "your"
refer to the Named Insured shown in the Declarations,
and any other person or organization qualifying as a
Named Insured under this policy. The words "we",
"us" and "our" refer to the company providing this
insurance.
The word "insured" means any person or organization
qualifying as such under Section II – Who Is An In-
sured.
Other words and phrases that appear in quotation
marks have special meaning. Refer to Section V –
Definitions.
SECTION I – COVERAGES
COVERAGE A BODILY INJURY AND PROPERTY
DAMAGE LIABILITY
1. Insuring Agreement

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

(1) The amount we will pay for damages is
limited as described in Section III – Limits
Of Insurance; and

(2) Our right and duty to defend ends when we
have used up the applicable limit of insur-
ance in the payment of judgments or set-
tlements under Coverages A or B or medi-
cal expenses under Coverage C.
No other obligation or liability to pay sums or
perform acts or services is covered unless ex-
plicitly provided for under Supplementary Pay-
ments – Coverages A and B.
b. This insurance applies to "bodily injury" and
"property damage" only if:

(1) The "bodily injury" or "property damage" is
caused by an "occurrence" that takes place
in the "coverage territory";

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

(3) Prior to the policy period, no insured listed
under Paragraph 1. of Section II – Who Is
An Insured and no "employee" authorized
by you to give or receive notice of an "oc-
currence" or claim, knew that the "bodily in-
jury" or "property damage" had occurred, in
whole or in part. If such a listed insured or
authorized "employee" knew, prior to the
policy period, that the "bodily injury" or
"property damage" occurred, then any con-
tinuation, change or resumption of such
"bodily injury" or "property damage" during
or after the policy period will be deemed to
have been known prior to the policy period.

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

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

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

(2) Receives a written or verbal demand or
claim for damages because of the "bodily
injury" or "property damage"; or

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

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e. Damages because of "bodily injury" include
damages claimed by any person or organiza-
tion for care, loss of services or death resulting
at any time from the "bodily injury".
2. Exclusions
This insurance does not apply to:

a. Expected Or Intended Injury
"Bodily injury" or "property damage" expected
or intended from the standpoint of the insured.
This exclusion does not apply to "bodily injury"
resulting from the use of reasonable force to
protect persons or property.

b. Contractual Liability
"Bodily injury" or "property damage" for which
the insured is obligated to pay damages by
reason of the assumption of liability in a con-
tract or agreement. This exclusion does not
apply to liability for damages:

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

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

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

(b) Such attorney fees and litigation ex-
penses are for defense of that party
against a civil or alternative dispute res-
olution proceeding in which damages to
which this insurance applies are alleged.

c. Liquor Liability
"Bodily injury" or "property damage" for which
any insured may be held liable by reason of:

(1) Causing or contributing to the intoxication of
any person;

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

(3) Any statute, ordinance or regulation relating
to the sale, gift, distribution or use of alco-
holic beverages.
This exclusion applies only if you are in the
business of manufacturing, distributing, selling,
serving or furnishing alcoholic beverages.

d. Workers' Compensation And Similar Laws
Any obligation of the insured under a workers'
compensation, disability benefits or unem-
ployment compensation law or any similar law.

e. Employer's Liability
"Bodily injury" to:

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

(a) Employment by the insured; or

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

(2) The spouse, child, parent, brother or sister
of that "employee" as a consequence of
Paragraph (1) above.
This exclusion applies whether the insured
may be liable as an employer or in any other
capacity and to any obligation to share damag-
es with or repay someone else who must pay
damages because of the injury.
This exclusion does not apply to liability as-
sumed by the insured under an "insured con-
tract".

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f. Pollution

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

(a) At or from any premises, site or location
which is or was at any time owned or
occupied by, or rented or loaned to, any
insured. However, this subparagraph
does not apply to:

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

(ii) "Bodily injury" or "property damage"
for which you may be held liable, if
you are a contractor and the owner
or lessee of such premises, site or
location has been added to your pol-
icy as an additional insured with re-
spect to your ongoing operations
performed for that additional insured
at that premises, site or location and
such premises, site or location is not
and never was owned or occupied
by, or rented or loaned to, any in-
sured, other than that additional in-
sured; or

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

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

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

(i) Any insured; or

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

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

(i) "Bodily injury" or "property damage"
arising out of the escape of fuels,
lubricants or other operating fluids
which are needed to perform the
normal electrical, hydraulic or me-
chanical functions necessary for the
operation of "mobile equipment" or
its parts, if such fuels, lubricants or
other operating fluids escape from a
vehicle part designed to hold, store
or receive them. This exception does
not apply if the "bodily injury" or
"property damage" arises out of the
intentional discharge, dispersal or re-
lease of the fuels, lubricants or other
operating fluids, or if such fuels, lub-
ricants or other operating fluids are
brought on or to the premises, site or
location with the intent that they be
discharged, dispersed or released as
part of the operations being per-
formed by such insured, contractor
or subcontractor;

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

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

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

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

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

(b) Claim or "suit" by or on behalf of a gov-
ernmental authority for damages be-
cause of testing for, monitoring, cleaning
up, removing, containing, treating, de-
toxifying or neutralizing, or in any way
responding to, or assessing the effects
of, "pollutants".
However, this paragraph does not apply to
liability for damages because of "property
damage" that the insured would have in the
absence of such request, demand, order or
statutory or regulatory requirement, or such
claim or "suit" by or on behalf of a govern-
mental authority.

g. Aircraft, Auto Or Watercraft
"Bodily injury" or "property damage" arising out
of the ownership, maintenance, use or en-
trustment to others of any aircraft, "auto" or wa-
tercraft owned or operated by or rented or
loaned to any insured. Use includes operation
and "loading or unloading".
This exclusion applies even if the claims
against any insured allege negligence or other
wrongdoing in the supervision, hiring, employ-
ment, training or monitoring of others by that
insured, if the "occurrence" which caused the
"bodily injury" or "property damage" involved
the ownership, maintenance, use or entrust-
ment to others of any aircraft, "auto" or water-
craft that is owned or operated by or rented or
loaned to any insured.
This exclusion does not apply to:

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

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

(a) Less than 26 feet long; and

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

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

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

(5) "Bodily injury" or "property damage" arising
out of:

(a) The operation of machinery or equip-
ment that is attached to, or part of, a
land vehicle that would qualify under the
definition of "mobile equipment" if it were
not subject to a compulsory or financial
responsibility law or other motor vehicle
insurance law in the state where it is li-
censed or principally garaged; or

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

h. Mobile Equipment
"Bodily injury" or "property damage" arising out
of:

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

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

i. War
"Bodily injury" or "property damage", however
caused, arising, directly or indirectly, out of:

(1) War, including undeclared or civil war;

(2) Warlike action by a military force, including
action in hindering or defending against an
actual or expected attack, by any govern-
ment, sovereign or other authority using
military personnel or other agents; or

(3) Insurrection, rebellion, revolution, usurped
power, or action taken by governmental au-
thority in hindering or defending against any
of these.

j. Damage To Property
"Property damage" to:

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

(2) Premises you sell, give away or abandon, if
the "property damage" arises out of any
part of those premises;

(3) Property loaned to you;

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

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Page 5 of 16
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(5) That particular part of real property on
which you or any contractors or subcontrac-
tors working directly or indirectly on your
behalf are performing operations, if the
"property damage" arises out of those op-
erations; or

(6) That particular part of any property that
must be restored, repaired or replaced be-
cause "your work" was incorrectly per-
formed on it.
Paragraphs (1), (3) and (4) of this exclusion do
not apply to "property damage" (other than
damage by fire) to premises, including the con-
tents of such premises, rented to you for a pe-
riod of 7 or fewer consecutive days. A separate
limit of insurance applies to Damage To Prem-
ises Rented To You as described in Section III
– Limits Of Insurance.
Paragraph (2) of this exclusion does not apply
if the premises are "your work" and were never
occupied, rented or held for rental by you.
Paragraphs (3), (4), (5) and (6) of this exclu-
sion do not apply to liability assumed under a
sidetrack agreement.
Paragraph (6) of this exclusion does not apply
to "property damage" included in the "products-
completed operations hazard".

k. Damage To Your Product
"Property damage" to "your product" arising out
of it or any part of it.

l. Damage To Your Work
"Property damage" to "your work" arising out of
it or any part of it and included in the "products-
completed operations hazard".
This exclusion does not apply if the damaged
work or the work out of which the damage aris-
es was performed on your behalf by a subcon-
tractor.
m. Damage To Impaired Property Or Property
Not Physically Injured
"Property damage" to "impaired property" or
property that has not been physically injured,
arising out of:

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

(2) A delay or failure by you or anyone acting
on your behalf to perform a contract or
agreement in accordance with its terms.
This exclusion does not apply to the loss of use
of other property arising out of sudden and ac-
cidental physical injury to "your product" or
"your work" after it has been put to its intended
use.

n. Recall Of Products, Work Or Impaired
Property
Damages claimed for any loss, cost or ex-
pense incurred by you or others for the loss of
use, withdrawal, recall, inspection, repair, re-
placement, adjustment, removal or disposal of:

(1) "Your product";

(2) "Your work"; or

(3) "Impaired property";
if such product, work, or property is withdrawn
or recalled from the market or from use by any
person or organization because of a known or
suspected defect, deficiency, inadequacy or
dangerous condition in it.

o. Personal And Advertising Injury
"Bodily injury" arising out of "personal and ad-
vertising injury".

p. Electronic Data
Damages arising out of the loss of, loss of use
of, damage to, corruption of, inability to access,
or inability to manipulate electronic data.
As used in this exclusion, electronic data
means information, facts or programs stored as
or on, created or used on, or transmitted to or
from computer software, including systems and
applications software, hard or floppy disks, CD-
ROMS, tapes, drives, cells, data processing
devices or any other media which are used
with electronically controlled equipment.

q. Distribution Of Material In Violation Of
Statutes
"Bodily injury" or "property damage" arising di-
rectly or indirectly out of any action or omission
that violates or is alleged to violate:

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

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

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

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Exclusions c. through n. do not apply to damage
by fire to premises while rented to you or tempo-
rarily occupied by you with permission of the own-
er. A separate limit of insurance applies to this
coverage as described in Section III – Limits Of
Insurance.
COVERAGE B PERSONAL AND ADVERTISING
INJURY LIABILITY
1. Insuring Agreement

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

(1) The amount we will pay for damages is
limited as described in Section III – Limits
Of Insurance; and

(2) Our right and duty to defend end when we
have used up the applicable limit of insur-
ance in the payment of judgments or set-
tlements under Coverages A or B or medi-
cal expenses under Coverage C.
No other obligation or liability to pay sums or
perform acts or services is covered unless ex-
plicitly provided for under Supplementary Pay-
ments – Coverages A and B.

b. This insurance applies to "personal and adver-
tising injury" caused by an offense arising out
of your business but only if the offense was
committed in the "coverage territory" during the
policy period.
2. Exclusions
This insurance does not apply to:

a. Knowing Violation Of Rights Of Another
"Personal and advertising injury" caused by or
at the direction of the insured with the
knowledge that the act would violate the rights
of another and would inflict "personal and ad-
vertising injury".

b. Material Published With Knowledge Of
Falsity
"Personal and advertising injury" arising out of
oral or written publication of material, if done by
or at
the direction of the insured with
knowledge of its falsity.

c. Material Published Prior To Policy Period
"Personal and advertising injury" arising out of
oral or written publication of material whose
first publication took place before the beginning
of the policy period.

d. Criminal Acts
"Personal and advertising injury" arising out of
a criminal act committed by or at the direction
of the insured.

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

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

g. Quality Or Performance Of Goods – Failure
To Conform To Statements
"Personal and advertising injury" arising out of
the failure of goods, products or services to
conform with any statement of quality or per-
formance made in your "advertisement".

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

i. Infringement Of Copyright, Patent,
Trademark Or Trade Secret
"Personal and advertising injury" arising out of
the infringement of copyright, patent, trade-
mark, trade secret or other intellectual property
rights. Under this exclusion, such other intellec-
tual property rights do not include the use of
another's advertising idea in your "advertise-
ment".
However, this exclusion does not apply to in-
fringement, in your "advertisement", of copy-
right, trade dress or slogan.

j. Insureds In Media And Internet Type
Businesses
"Personal and advertising injury" committed by
an insured whose business is:

(1) Advertising, broadcasting, publishing or
telecasting;

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

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(3) An Internet search, access, content or
service provider.
However, this exclusion does not apply to Par-
agraphs 14.a., b. and c. of "personal and ad-
vertising injury" under the Definitions Section.
For the purposes of this exclusion, the placing
of frames, borders or links, or advertising, for
you or others anywhere on the Internet, is not
by itself, considered the business of advertis-
ing, broadcasting, publishing or telecasting.

k. Electronic Chatrooms Or Bulletin Boards
"Personal and advertising injury" arising out of
an electronic chatroom or bulletin board the in-
sured hosts, owns, or over which the insured
exercises control.

l. Unauthorized Use Of Another's Name Or
Product
"Personal and advertising injury" arising out of
the unauthorized use of another's name or
product in your e-mail address, domain name
or metatag, or any other similar tactics to mis-
lead another's potential customers.
m. Pollution
"Personal and advertising injury" arising out of
the actual, alleged or threatened discharge,
dispersal, seepage, migration, release or es-
cape of "pollutants" at any time.

n. Pollution-Related
Any loss, cost or expense arising out of any:

(1) Request, demand, order or statutory or
regulatory requirement that any insured or
others test for, monitor, clean up, remove,
contain, treat, detoxify or neutralize, or in
any way respond to, or assess the effects
of, "pollutants"; or

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

o. War
"Personal and advertising injury", however
caused, arising, directly or indirectly, out of:

(1) War, including undeclared or civil war;

(2) Warlike action by a military force, including
action in hindering or defending against an
actual or expected attack, by any govern-
ment, sovereign or other authority using
military personnel or other agents; or

(3) Insurrection, rebellion, revolution, usurped
power, or action taken by governmental au-
thority in hindering or defending against any
of these.

p. Distribution Of Material In Violation Of
Statutes
"Personal and advertising injury" arising direct-
ly or indirectly out of any action or omission
that violates or is alleged to violate:

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

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

(3) Any statute, ordinance or regulation, other
than the TCPA or CAN-SPAM Act of 2003,
that prohibits or limits the sending, transmit-
ting, communicating or distribution of mate-
rial or information.
COVERAGE C MEDICAL PAYMENTS
1. Insuring Agreement

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

(1) On premises you own or rent;

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

(3) Because of your operations;
provided that:

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

(b) The expenses are incurred and reported
to us within one year of the date of the
accident; and

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

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

(1) First aid administered at the time of an
accident;

(2) Necessary medical, surgical, x-ray and
dental services, including prosthetic devic-
es; and

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

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2. Exclusions
We will not pay expenses for "bodily injury":

a. Any Insured
To any insured, except "volunteer workers".

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

c. Injury On Normally Occupied Premises
To a person injured on that part of premises
you own or rent that the person normally occu-
pies.

d. Workers Compensation And Similar Laws
To a person, whether or not an "employee" of
any insured, if benefits for the "bodily injury"
are payable or must be provided under a work-
ers' compensation or disability benefits law or a
similar law.

e. Athletics Activities
To a person injured while practicing, instructing
or participating in any physical exercises or
games, sports, or athletic contests.

f. Products-Completed Operations Hazard
Included within the "products-completed opera-
tions hazard".

g. Coverage A Exclusions
Excluded under Coverage A.
SUPPLEMENTARY PAYMENTS – COVERAGES A
AND B
1. We will pay, with respect to any claim we investi-
gate or settle, or any "suit" against an insured we
defend:

a. All expenses we incur.

b. Up to $250 for cost of bail bonds required
because of accidents or traffic law violations
arising out of the use of any vehicle to which
the Bodily Injury Liability Coverage applies. We
do not have to furnish these bonds.

c. The cost of bonds to release attachments, but
only for bond amounts within the applicable
limit of insurance. We do not have to furnish
these bonds.

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

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

f. Prejudgment interest awarded against the
insured on that part of the judgment we pay. If
we make an offer to pay the applicable limit of
insurance, we will not pay any prejudgment in-
terest based on that period of time after the of-
fer.

g. All interest on the full amount of any judgment
that accrues after entry of the judgment and
before we have paid, offered to pay, or depos-
ited in court the part of the judgment that is
within the applicable limit of insurance.
These payments will not reduce the limits of insur-
ance.
2. If we defend an insured against a "suit" and an
indemnitee of the insured is also named as a party
to the "suit", we will defend that indemnitee if all of
the following conditions are met:

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

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

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

d. The allegations in the "suit" and the information
we know about the "occurrence" are such that
no conflict appears to exist between the inter-
ests of the insured and the interests of the in-
demnitee;

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

f. The indemnitee:

(1) Agrees in writing to:

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

(b) Immediately send us copies of any
demands, notices, summonses or legal
papers received in connection with the
"suit";

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

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

(2) Provides us with written authorization to:

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

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Page 9 of 16
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(b) Conduct and control the defense of the
indemnitee in such "suit".
So long as the above conditions are met, attor-
neys' fees incurred by us in the defense of that in-
demnitee, necessary litigation expenses incurred
by us and necessary litigation expenses incurred
by the indemnitee at our request will be paid as
Supplementary Payments. Notwithstanding the
provisions of Paragraph 2.b.(2) of Section I –
Coverage A – Bodily Injury And Property Damage
Liability, such payments will not be deemed to be
damages for "bodily injury" and "property damage"
and will not reduce the limits of insurance.
Our obligation to defend an insured's indemnitee
and to pay for attorneys' fees and necessary litiga-
tion expenses as Supplementary Payments ends
when we have used up the applicable limit of in-
surance in the payment of judgments or settle-
ments or the conditions set forth above, or the
terms of the agreement described in Paragraph f.
above, are no longer met.
SECTION II – WHO IS AN INSURED
1. If you are designated in the Declarations as:

a. An individual, you and your spouse are in-
sureds, but only with respect to the conduct of
a business of which you are the sole owner.

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

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

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

e. A trust, you are an insured. Your trustees are
also insureds, but only with respect to their du-
ties as trustees.
2. Each of the following is also an insured:

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

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

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

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

(c) For which there is any obligation to
share damages with or repay someone
else who must pay damages because of
the injury described in Paragraphs (1)(a)
or (b) above; or

(d) Arising out of his or her providing or
failing to provide professional health
care services.

(2) "Property damage" to property:

(a) Owned, occupied or used by,

(b) Rented to, in the care, custody or con-
trol of, or over which physical control is
being exercised for any purpose by
you, any of your "employees", "volunteer
workers", any partner or member (if you are
a partnership or joint venture), or any mem-
ber (if you are a limited liability company).

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CG 00 01 12 07
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b. Any person (other than your "employee" or
"volunteer worker"), or any organization while
acting as your real estate manager.

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

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

(2) Until your legal representative has been
appointed.

d. Your legal representative if you die, but only
with respect to duties as such. That repre-
sentative will have all your rights and duties
under this Coverage Part.
3. Any organization you newly acquire or form, other
than a partnership, joint venture or limited liability
company, and over which you maintain ownership
or majority interest, will qualify as a Named In-
sured if there is no other similar insurance availa-
ble to that organization. However:

a. Coverage under this provision is afforded only
until the 90th day after you acquire or form the
organization or the end of the policy period,
whichever is earlier;
b. Coverage A does not apply to "bodily injury" or
"property damage" that occurred before you
acquired or formed the organization; and

c. Coverage B does not apply to "personal and
advertising injury" arising out of an offense
committed before you acquired or formed the
organization.
No person or organization is an insured with respect
to the conduct of any current or past partnership, joint
venture or limited liability company that is not shown
as a Named Insured in the Declarations.
SECTION III – LIMITS OF INSURANCE
1. The Limits of Insurance shown in the Declarations
and the rules below fix the most we will pay re-
gardless of the number of:

a. Insureds;

b. Claims made or "suits" brought; or

c. Persons or organizations making claims or
bringing "suits".
2. The General Aggregate Limit is the most we will
pay for the sum of:

a. Medical expenses under Coverage C;

b. Damages under Coverage A, except damages
because of "bodily injury" or "property damage"
included in the "products-completed operations
hazard"; and

c. Damages under Coverage B.
3. The Products-Completed Operations Aggregate
Limit is the most we will pay under Coverage A for
damages because of "bodily injury" and "property
damage" included in the "products-completed op-
erations hazard".
4. Subject to Paragraph 2. above, the Personal and
Advertising Injury Limit is the most we will pay un-
der Coverage B for the sum of all damages be-
cause of all "personal and advertising injury" sus-
tained by any one person or organization.
5. Subject to Paragraph 2. or 3. above, whichever
applies, the Each Occurrence Limit is the most we
will pay for the sum of:

a. Damages under Coverage A; and

b. Medical expenses under Coverage C
because of all "bodily injury" and "property dam-
age" arising out of any one "occurrence".
6. Subject to Paragraph 5. above, the Damage To
Premises Rented To You Limit is the most we will
pay under Coverage A for damages because of
"property damage" to any one premises, while
rented to you, or in the case of damage by fire,
while rented to you or temporarily occupied by you
with permission of the owner.
7. Subject to Paragraph 5. above, the Medical Ex-
pense Limit is the most we will pay under Cover-
age C for all medical expenses because of "bodily
injury" sustained by any one person.
The Limits of Insurance of this Coverage Part apply
separately to each consecutive annual period and to
any remaining period of less than 12 months, starting
with the beginning of the policy period shown in the
Declarations, unless the policy period is extended
after issuance for an additional period of less than 12
months. In that case, the additional period will be
deemed part of the last preceding period for purposes
of determining the Limits of Insurance.
SECTION IV – COMMERCIAL GENERAL LIABILITY
CONDITIONS
1. Bankruptcy
Bankruptcy or insolvency of the insured or of the
insured's estate will not relieve us of our obliga-
tions under this Coverage Part.
2. Duties In The Event Of Occurrence, Offense,
Claim Or Suit

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

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

(2) The names and addresses of any injured
persons and witnesses; and

CG 00 01 12 07
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(3) The nature and location of any injury or
damage arising out of the "occurrence" or
offense.

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

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

(2) Notify us as soon as practicable.
You must see to it that we receive written no-
tice of the claim or "suit" as soon as practica-
ble.

c. You and any other involved insured must:

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

(2) Authorize us to obtain records and other
information;

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

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

d. No insured will, except at that insured's own
cost, voluntarily make a payment, assume any
obligation, or incur any expense, other than for
first aid, without our consent.
3. Legal Action Against Us
No person or organization has a right under this
Coverage Part:

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

b. To sue us on this Coverage Part unless all of
its terms have been fully complied with.
A person or organization may sue us to recover on
an agreed settlement or on a final judgment
against an insured; but we will not be liable for
damages that are not payable under the terms of
this Coverage Part or that are in excess of the ap-
plicable limit of insurance. An agreed settlement
means a settlement and release of liability signed
by us, the insured and the claimant or the claim-
ant's legal representative.
4. Other Insurance
If other valid and collectible insurance is available
to the insured for a loss we cover under Coverag-
es A or B of this Coverage Part, our obligations
are limited as follows:

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

b. Excess Insurance

(1) This insurance is excess over:

(a) Any of the other insurance, whether
primary, excess, contingent or on any
other basis:

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

(ii) That is Fire insurance for premises
rented to you or temporarily occu-
pied by you with permission of the
owner;

(iii) That is insurance purchased by you
to cover your liability as a tenant for
"property damage" to premises rent-
ed to you or temporarily occupied by
you with permission of the owner; or

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

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

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

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CG 00 01 12 07
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(3) When this insurance is excess over other
insurance, we will pay only our share of the
amount of the loss, if any, that exceeds the
sum of:

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

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

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

c. Method Of Sharing
If all of the other insurance permits contribution
by equal shares, we will follow this method al-
so. Under this approach each insurer contrib-
utes equal amounts until it has paid its applica-
ble limit of insurance or none of the loss
remains, whichever comes first.
If any of the other insurance does not permit
contribution by equal shares, we will contribute
by limits. Under this method, each insurer's
share is based on the ratio of its applicable lim-
it of insurance to the total applicable limits of
insurance of all insurers.
5. Premium Audit

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

b. Premium shown in this Coverage Part as ad-
vance premium is a deposit premium only. At
the close of each audit period we will compute
the earned premium for that period and send
notice to the first Named Insured. The due date
for audit and retrospective premiums is the
date shown as the due date on the bill. If the
sum of the advance and audit premiums paid
for the policy period is greater than the earned
premium, we will return the excess to the first
Named Insured.

c. The first Named Insured must keep records of
the information we need for premium computa-
tion, and send us copies at such times as we
may request.
6. Representations
By accepting this policy, you agree:

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

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

c. We have issued this policy in reliance upon
your representations.
7. Separation Of Insureds
Except with respect to the Limits of Insurance, and
any rights or duties specifically assigned in this
Coverage Part to the first Named Insured, this in-
surance applies:

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

b. Separately to each insured against whom claim
is made or "suit" is brought.
8. Transfer Of Rights Of Recovery Against Others
To Us
If the insured has rights to recover all or part of
any payment we have made under this Coverage
Part, those rights are transferred to us. The in-
sured must do nothing after loss to impair them. At
our request, the insured will bring "suit" or transfer
those rights to us and help us enforce them.
9. When We Do Not Renew
If we decide not to renew this Coverage Part, we
will mail or deliver to the first Named Insured
shown in the Declarations written notice of the
nonrenewal not less than 30 days before the expi-
ration date.
If notice is mailed, proof of mailing will be sufficient
proof of notice.
SECTION V – DEFINITIONS
1. "Advertisement" means a notice that is broadcast
or published to the general public or specific mar-
ket segments about your goods, products or ser-
vices for the purpose of attracting customers or
supporters. For the purposes of this definition:

a. Notices that are published include material
placed on the Internet or on similar electronic
means of communication; and
b. Regarding web-sites, only that part of a web-
site that is about your goods, products or ser-
vices for the purposes of attracting customers
or supporters is considered an advertisement.
2. "Auto" means:

a. A land motor vehicle, trailer or semitrailer de-
signed for travel on public roads, including any
attached machinery or equipment; or
b. Any other land vehicle that is subject to a com-
pulsory or financial responsibility law or other
motor vehicle insurance law in the state where
it is licensed or principally garaged.
However, "auto" does not include "mobile equip-
ment".

CG 00 01 12 07
© ISO Properties, Inc., 2006
Page 13 of 16


3. "Bodily injury" means bodily injury, sickness or
disease sustained by a person, including death re-
sulting from any of these at any time.
4. "Coverage territory" means:

a. The United States of America (including its
territories and possessions), Puerto Rico and
Canada;

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

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

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

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

(3) "Personal and advertising injury" offenses
that take place through the Internet or simi-
lar electronic means of communication
provided the insured's responsibility to pay dam-
ages is determined in a "suit" on the merits, in the
territory described in Paragraph a. above or in a
settlement we agree to.
5. "Employee" includes a "leased worker". "Employ-
ee" does not include a "temporary worker".
6. "Executive officer" means a person holding any of
the officer positions created by your charter, con-
stitution, by-laws or any other similar governing
document.
7. "Hostile fire" means one which becomes uncon-
trollable or breaks out from where it was intended
to be.
8. "Impaired property" means tangible property, other
than "your product" or "your work", that cannot be
used or is less useful because:

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

b. You have failed to fulfill the terms of a contract
or agreement;
if such property can be restored to use by the re-
pair, replacement, adjustment or removal of "your
product" or "your work" or your fulfilling the terms
of the contract or agreement.
9. "Insured contract" means:

a. A contract for a lease of premises. However,
that portion of the contract for a lease of prem-
ises that indemnifies any person or organiza-
tion for damage by fire to premises while rent-
ed to you or temporarily occupied by you with
permission of the owner is not an "insured con-
tract";

b. A sidetrack agreement;

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

d. An obligation, as required by ordinance, to
indemnify a municipality, except in connection
with work for a municipality;

e. An elevator maintenance agreement;

f. That part of any other contract or agreement
pertaining to your business (including an in-
demnification of a municipality in connection
with work performed for a municipality) under
which you assume the tort liability of another
party to pay for "bodily injury" or "property
damage" to a third person or organization. Tort
liability means a liability that would be imposed
by law in the absence of any contract or
agreement.
Paragraph f. does not include that part of any
contract or agreement:

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

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

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

(b) Giving directions or
instructions, or
failing to give them, if that is the primary
cause of the injury or damage; or

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

Page 14 of 16
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CG 00 01 12 07


10. "Leased worker" means a person leased to you by
a labor leasing firm under an agreement between
you and the labor leasing firm, to perform duties
related to the conduct of your business. "Leased
worker" does not include a "temporary worker".
11. "Loading or unloading" means the handling of
property:

a. After it is moved from the place where it is
accepted for movement into or onto an aircraft,
watercraft or "auto";
b. While it is in or on an aircraft, watercraft or
"auto"; or

c. While it is being moved from an aircraft, water-
craft or "auto" to the place where it is finally de-
livered;
but "loading or unloading" does not include the
movement of property by means of a mechanical
device, other than a hand truck, that is not at-
tached to the aircraft, watercraft or "auto".
12. "Mobile equipment" means any of the following
types of land vehicles, including any attached ma-
chinery or equipment:

a. Bulldozers, farm machinery, forklifts and other
vehicles designed for use principally off public
roads;

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

c. Vehicles that travel on crawler treads;

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

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

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

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

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

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

f. Vehicles not described in Paragraph a., b., c.
or d. above maintained primarily for purposes
other than the transportation of persons or car-
go.
However, self-propelled vehicles with the fol-
lowing types of permanently attached equip-
ment are not "mobile equipment" but will be
considered "autos":

(1) Equipment designed primarily for:

(a) Snow removal;

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

(c) Street cleaning;

(2) Cherry pickers and similar devices mounted
on automobile or truck chassis and used to
raise or lower workers; and

(3) Air compressors, pumps and generators,
including spraying, welding, building clean-
ing, geophysical exploration, lighting and
well servicing equipment.
However, "mobile equipment" does not include
any land vehicles that are subject to a compulsory
or financial responsibility law or other motor vehi-
cle insurance law in the state where it is licensed
or principally garaged. Land vehicles subject to a
compulsory or financial responsibility law or other
motor vehicle insurance law are considered "au-
tos".
13. "Occurrence" means an accident, including con-
tinuous or repeated exposure to substantially the
same general harmful conditions.
14. "Personal and advertising injury" means injury,
including consequential "bodily injury", arising out
of one or more of the following offenses:

a. False arrest, detention or imprisonment;

b. Malicious prosecution;

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

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

e. Oral or written publication, in any manner, of
material that violates a person's right of priva-
cy;

f. The use of another's advertising idea in your
"advertisement"; or
g. Infringing upon another's copyright, trade dress
or slogan in your "advertisement".

CG 00 01 12 07
© ISO Properties, Inc., 2006
Page 15 of 16


15. "Pollutants" mean any solid, liquid, gaseous or
thermal irritant or contaminant, including smoke,
vapor, soot, fumes, acids, alkalis, chemicals and
waste. Waste includes materials to be recycled,
reconditioned or reclaimed.
16. "Products-completed operations hazard":

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

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

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

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

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

(c) When that part of the work done at a job
site has been put to its intended use by
any person or organization other than
another contractor or subcontractor
working on the same project.
Work that may need service, maintenance,
correction, repair or replacement, but which
is otherwise complete, will be treated as
completed.
b. Does not include "bodily injury" or "property
damage" arising out of:

(1) The transportation of property, unless the
injury or damage arises out of a condition in
or on a vehicle not owned or operated by
you, and that condition was created by the
"loading or unloading" of that vehicle by any
insured;

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

(3) Products or operations for which the classi-
fication, listed in the Declarations or in a
policy schedule, states
that products-
completed operations are subject to the
General Aggregate Limit.
17. "Property damage" means:

a. Physical injury to tangible property, including
all resulting loss of use of that property. All
such loss of use shall be deemed to occur at
the time of the physical injury that caused it; or

b. Loss of use of tangible property that is not
physically injured. All such loss of use shall be
deemed to occur at the time of the "occur-
rence" that caused it.
For the purposes of this insurance, electronic data
is not tangible property.
As used in this definition, electronic data means
information, facts or programs stored as or on,
created or used on, or transmitted to or from com-
puter software, including systems and applications
software, hard or floppy disks, CD-ROMS, tapes,
drives, cells, data processing devices or any other
media which are used with electronically controlled
equipment.
18. "Suit" means a civil proceeding in which damages
because of "bodily injury", "property damage" or
"personal and advertising injury" to which this in-
surance applies are alleged. "Suit" includes:

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

b. Any other alternative dispute resolution pro-
ceeding in which such damages are claimed
and to which the insured submits with our con-
sent.
19. "Temporary worker" means a person who is fur-
nished to you to substitute for a permanent "em-
ployee" on leave or to meet seasonal or short-term
workload conditions.
20. "Volunteer worker" means a person who is not
your "employee", and who donates his or her work
and acts at the direction of and within the scope of
duties determined by you, and is not paid a fee,
salary or other compensation by you or anyone
else for their work performed for you.
21. "Your product":

a. Means:

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

(a) You;

(b) Others trading under your name; or

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

(2) Containers (other than vehicles), materials,
parts or equipment furnished in connection
with such goods or products.
b. Includes:

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

Page 16 of 16
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CG 00 01 12 07



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

c. Does not include vending machines or other
property rented to or located for the use of oth-
ers but not sold.
22. "Your work":

a. Means:

(1) Work or operations performed by you or on
your behalf; and

(2) Materials, parts or equipment furnished in
connection with such work or operations.
b. Includes:

(1) Warranties or representations made at any
time with respect to the fitness, quality, du-
rability, performance or use of "your work",
and

(2) The providing of or failure to provide warn-
ings or instructions.
POLICY NUMBER:
COMMERCIAL GENERAL LIABILITY

CG 03 00 01 96

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CG 03 00 01 96
Copyright, Insurance Services Office, Inc., 1994
Page 1 of 2



DEDUCTIBLE LIABILITY INSURANCE

This endorsement modifies insurance provided under the following:

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


SCHEDULE
Coverage
Amount and Basis of Deductible

PER CLAIM or PER OCCURRENCE
Bodily Injury Liability
$
$
OR

Property Damage Liability
$
$
OR

Bodily Injury Liability and/or
Property Damage Liability Combined
$
$

(If no entry appears above, information required to complete this endorsement will be shown in the Declarations
as applicable to this endorsement.)
APPLICATION OF ENDORSEMENT (Enter below any limitations on the application of this endorsement. If no
limitation is entered, the deductibles apply to damages for all "bodily injury" and "property damage", however
caused):





A. Our obligation under the Bodily Injury Liability and
Property Damage Liability Coverages to pay dam-
ages on your behalf applies only to the amount of
damages in excess of any deductible amounts
stated in the Schedule above as applicable to
such coverages.
B. You may select a deductible amount on either a
per claim or a per "occurrence" basis. Your se-
lected deductible applies to the coverage option
and to the basis of the deductible indicated by the
placement of the deductible amount in the Sched-
ule above. The deductible amount stated in the
Schedule above applies as follows:

1. PER CLAIM BASIS. If the deductible amount
indicated in the Schedule above is on a per
claim basis, that deductible applies as follows:

a. Under Bodily Injury Liability Coverage, to all
damages sustained by any one person be-
cause of "bodily injury";

b. Under Property Damage Liability Coverage,
to all damages sustained by any one per-
son because of "property damage"; or

c. Under Bodily Injury Liability and/or Property
Damage Liability Coverage Combined, to
all damages sustained by any one person
because of:

(1) "Bodily injury";

(2) "Property damage"; or

(3) "Bodily injury" and "property damage"
combined
as the result of any one "occurrence".
If damages are claimed for care, loss of ser-
vices or death resulting at any time from "bodily
injury", a separate deductible amount will be
applied to each person making a claim for such
damages.
With respect to "property damage", person in-
cludes an organization.
Page 2 of 2
Copyright, Insurance Services Office, Inc., 1994
CG 03 00 01 96



2. PER OCCURRENCE BASIS. If the deductible
amount indicated in the Schedule above is on
a "per occurrence" basis, that deductible
amount applies as follows:

a. Under Bodily Injury Liability Coverage, to all
damages because of "bodily injury";

b. Under Property Damage Liability Coverage,
to all damages because of "property dam-
age"; or

c. Under Bodily Injury Liability and/or Property
Damage Liability Coverage Combined, to
all damages because of:

(1) "Bodily injury";

(2) "Property damage"; or

(3) "Bodily injury" and "property damage"
combined
as the result of any one "occurrence", regard-
less of the number of persons or organizations
who sustain damages because of that "occur-
rence".
C. The terms of this insurance, including those with
respect to:

1. Our right and duty to defend the insured
against any "suits" seeking those damages;
and

2. Your duties in the event of an "occurrence",
claim, or "suit"
apply irrespective of the application of the deduct-
ible amount.
D. We may pay any part or all of the deductible
amount to effect settlement of any claim or "suit"
and, upon notification of the action taken, you shall
promptly reimburse us for such part of the deduct-
ible amount as has been paid by us.

COMMERCIAL GENERAL LIABILITY


THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CG 20 04 11 85
Copyright, Insurance Services Office, Inc., 1984
Page 1 of 1



ADDITIONAL INSURED – CONDOMINIUM
UNIT OWNERS
This endorsement modifies insurance provided under the following:
COMMERCIAL GENERAL LIABILITY COVERAGE PART.
WHO IS AN INSURED (Section II) is amended to include as an insured each individual unit owner of the insured
condominium, but only with respect to liability arising out of the ownership, maintenance or repair of that portion of
the premises which is not reserved for that unit owner's exclusive use or occupancy.

COMMERCIAL GENERAL LIABILITY

CG 00 67 03 05

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CG 00 67 03 05
© ISO Properties, Inc., 2004
Page 1 of 1


EXCLUSION – VIOLATION OF STATUTES THAT GOVERN
E-MAILS, FAX, PHONE CALLS OR OTHER METHODS OF
SENDING MATERIAL OR INFORMATION

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

A. The following exclusion is added to Paragraph 2.,
Exclusions of Section I – Coverage A – Bodily
Injury And Property Damage Liability:

2. Exclusions
This insurance does not apply to:
DISTRIBUTION OF MATERIAL IN
VIOLATION OF STATUTES
"Bodily injury" or "property damage" arising di-
rectly or indirectly out of any action or omission
that violates or is alleged to violate:

a. The Telephone Consumer Protection Act
(TCPA), including any amendment of or
addition to such law; or

b. The CAN-SPAM Act of 2003, including any
amendment of or addition to such law; or

c. Any statute, ordinance or regulation, other
than the TCPA or CAN-SPAM Act of 2003,
that prohibits or limits the sending, transmit-
ting, communicating or distribution of mate-
rial or information.
B. The following exclusion is added to Paragraph 2.,
Exclusions of Section I – Coverage B – Per-
sonal And Advertising Injury Liability:

2. Exclusions
This insurance does not apply to:
DISTRIBUTION OF MATERIAL IN
VIOLATION OF STATUTES
"Personal and advertising injury" arising direct-
ly or indirectly out of any action or omission
that violates or is alleged to violate:

a. The Telephone Consumer Protection Act
(TCPA), including any amendment of or
addition to such law; or

b. The CAN-SPAM Act of 2003, including any
amendment of or addition to such law; or

c. Any statute, ordinance or regulation, other
than the TCPA or CAN-SPAM Act of 2003,
that prohibits or limits the sending, transmit-
ting, communicating or distribution of mate-
rial or information.

COMMERCIAL GENERAL LIABILITY

CG 21 47 12 07

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CG 21 47 12 07
© ISO Properties, Inc., 2006
Page 1 of 1


EMPLOYMENT-RELATED PRACTICES EXCLUSION

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

A. The following exclusion is added to Paragraph 2.,
Exclusions of Section I – Coverage A – Bodily
Injury And Property Damage Liability:
This insurance does not apply to:
"Bodily injury" to:

(1) A person arising out of any:

(a) Refusal to employ that person;

(b) Termination of that person's employment;
or

(c) Employment-related practices,
policies,
acts or omissions, such as coercion, demo-
tion, evaluation, reassignment, discipline,
defamation, harassment, humiliation, dis-
crimination or malicious prosecution di-
rected at that person; or

(2) The spouse, child, parent, brother or sister of
that person as a consequence of "bodily injury"
to that person at whom any of the employment-
related practices described in Paragraphs (a),
(b), or (c) above is directed.
This exclusion applies:

(1) Whether the injury-causing event described in
Paragraphs (a), (b) or (c) above occurs before
employment, during employment or after em-
ployment of that person;

(2) Whether the insured may be liable as an em-
ployer or in any other capacity; and

(3) To any obligation to share damages with or
repay someone else who must pay damages
because of the injury.
B. The following exclusion is added to Paragraph 2.,
Exclusions of Section I – Coverage B – Person-
al And Advertising Injury Liability:
This insurance does not apply to:
"Personal and advertising injury" to:

(1) A person arising out of any:

(a) Refusal to employ that person;

(b) Termination of that person's employment;
or

(c) Employment-related practices,
policies,
acts or omissions, such as coercion, demo-
tion, evaluation, reassignment, discipline,
defamation, harassment, humiliation, dis-
crimination or malicious prosecution di-
rected at that person; or

(2) The spouse, child, parent, brother or sister of
that person as a consequence of "personal and
advertising injury" to that person at whom any
of the employment-related practices described
in Paragraphs (a), (b), or (c) above is directed.
This exclusion applies:

(1) Whether the injury-causing event described in
Paragraphs (a), (b) or (c) above occurs before
employment, during employment or after em-
ployment of that person;

(2) Whether the insured may be liable as an em-
ployer or in any other capacity; and

(3) To any obligation to share damages with or
repay someone else who must pay damages
because of the injury.