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Signed Contract_Bries Holdings, LLC / ADA Ramp 1046 Central Avenue Copyrighted January 22, 2019 City of Dubuque Consent Items # 21. ITEM TITLE: Signed Contract(s) SUMMARY: Revocable License with Bries Holding, LLC for an ADA access ramp at 1046 Central Avenue. SUGGESTED DISPOSITION: Suggested Disposition: Receive and File ATTACHMENTS: Description Type Revocable License for Bries Holdings, LLC Supporting Documentation THE CITY OF Dubuque � All•A�W'iq 6il) UB E , �. _ � �� ;�� � ► I Masterpiece on the Mississippi 2°°'�Z°lz 2013•2017 TO: Michael C. Van Milligen, City Mana � FROM: Gus Psihoyos, City Engineer DATE: December 21, 2018 � `� �"c' ` RE: Revocable License — 1046 Central Ave — Access Ramp INTRODUCTION This is in response to a request from Mr. Kenneth Bries owner of Bries Holding, LLC of 1046 Central Avenue who is requesting permission to construct an access ramp encroaching on the public right of way, for ADA compliance access to his business. BACKGROUND Mr. Bries' son is remodeling the building for an upscale pizzeria and cocktail bar. As part of that renovation and opening of the business, an accessible entrance is required. DISCUSSION The public right-of-way behind the back of curbing on Central Avenue is 9.6". The proposed access ramp would encroach 5', which leaves 4'6" of pedestrian passage area. The ramp is to be designed and constructed with standard grey concrete and black railing which will meet City and ADA standards. All the required documents have been received which include the License Application, signed Acceptance of Terms, and Certificate of Insurance. Engineering, Planning Services and Building Services have reviewed the request and documents and have found them to be acceptable. BUDGET IMPACT Th� paym�nt pf th� ��Sp,QQ �nnlic�ti�n f�e will be vv�,ived a� this is f�r cc�m�li�n�e with the Americans with Disabilities Act for public access. ACTION STEP The requested action is for review of the attached materials submitted by Mr. Kenneth Bries, for the encroachment of an access ramp onto public right of way of Central Avenue. Your approval, denial or approval with conditions will be forwarded to Mr. Bries by the City Engineering Department. cc: Gary Biosch, Bldg. Services Wally Wernimont, Planning Services Kerry Bradley, Engineering Asst. F:\JANE SMITH\ROW\ROWENCR\LICENSE REQUEST\2018 Prepared by: Return to: 11 11 11 11 111 11 YI 11 w Doc ID 010231360008 Type GEN Kind: MISCELLANEOUS Recorded: 01/09/2019 at 02:52:13 PM Fee Amt: $42.00 Page 1 of 8 Dubuque County Iowa John Murphy Recorder File2019_00000376 Gus Psihoyos, City Engineer, City of Dubuque, 50 W. 13`h Street, Dubuque, IA 52001 (563 589-4270) Gus Psihoyos, City Engineer, City of Dubuque, 50 W. 13th Street, Dubuque, IA 52001 (563 589-4270) REVOCABLE LICENSE AUTHORIZING 42/' S /IoL,pilt}G LL CU TO CONSTRUCT A- OA- ANA A P ON PUBLIC RIGHT-OF-WAY Section 1. Le - ES it/OLDMCc, L ( as the owner of the premises, (business) (Licensee), known as /6 i9 66/-7449 L in Dubuque, Iowa, and legally described as S z3 Fee+ 4 'wick e,s C(1- L01-2-7 be and is hereby granted a Revocable License and authority to construct and maintain hal j ,' P , (Encroachment) (see attachment for location) under the terms and conditions set forth in this License. Section 2. The permission herein granted is expressly conditioned on Licensee's agreement to: a. Assume any and all liability for damages to persons or property which may result from the existence, location, installation, construction or maintenance of said Encroachment; b. Procure and maintain in force during the term of this License a policy of liability insurance as set forth in the attached Insurance Schedule or private policy of liability insurance which covers your encroachment of the public right of way; as required by the City Manager c. Pay on behalf of the City of Dubuque, all sums which the City of Dubuque shall become obligated to pay by reason of the liability imposed upon the City of Dubuque for damages of any kind resulting from the location, installation, existence, construction or maintenance of said Encroachment sustained by any person or persons, caused by accident or otherwise to defend at its own expense and on behalf of said City any claim against the City of Dubuque arising out of the location, installation, existence, construction or maintenance of Encroachment and to pay reasonable attorney fees therefor; and uirZ°' CAI J .V d. Indemnify, defend and hold the City of Dubuque free and harmless from any and all claims, including but not limited to damages, loss, liability and expense for death and/or injuries to third persons or damages to property of third persons, or for damage to any property of the City of Dubuque which may occur as a result of or in connection with the location, installation, existence, construction, maintenance and repair of Encroachment. e. Any special conditions as set forth for this License as identified: Section 3. The Encroachment shall be maintained in accordance with all applicable state and federal laws and regulations, and the Ordinances of the City of Dubuque. Section 4. The permission herein granted is expressly conditioned upon Licensee's further agreement that should the right and privilege herein granted be rescinded or revoked by the City Manager, with or without cause, Licensee, shall within ten (10) days after receipt of written notice from the City Manager, so to do, at its own expense, remove said Encroachment at Licensee's expense and dispose of the same, and Licensee shall have no claim against the City or its officers, agents, or employees for damages resulting from the removal of said Encroachment. Section 5. Licensee covenants and agrees that the Revocable License herein granted does not constitute an approval of the design, erection, location, construction, repair or maintenance of said Encroachment and Licensee hereby covenants and agrees not to assert such claim or defense against the City of Dubuque in the event of claim asserted for death, personal injuries and/or property damage against Licensee arising out of or in any way connected with the location, installation, construction, design, repair and maintenance of the Encroachment. Section 6. This Revocable License shall become effective and the rights hereunder accrue to Licensee when this License has been approved by the City Manager and the terms and conditions thereof accepted by Licensee by acceptance endorsed on this License. This Revocable License is not assignable or transferable to another location. This license is for this property only. Section 7. The City Clerk shall file a copy of this License at Licensee's expense in the Office of the Recorder in and for Dubuque County, Iowa. 2 Section 8. Iowa One -Call registration may be required by the Code of Iowa. When applicable Licensee shall submit documentation to the City Engineer of Iowa One -Call registration membership. Signed this day of Dig2. t""r --)./ , 20 Michael C. Van Milligen, City Manager Attest: Kevin Firnstahl, ity Clerk State of Iowa ) ss: County of Dubuque ) On this I - day ofin 0,,er , , before me, the undersigned, a Notary Public in -and for the State of Iowa, personally appeared Michael C. Van Milligen and Kevin S. Firnstahl, to me personally known, who, being by me duly sworn, did say that they are the City Manager and City Clerk, respectively, of the City of Dubuque, Iowa, a municipal corporation, that the seal affixed to the foregoing instrument is the corporate seal of the corporation, and that the instrument was signe4 and seal -d on balf of the cor oration, by authority of its City Council, on the day of , �l , and Michael C. Van Milligen and Kevin S. Firnstahl acknowledged the execution of the instrument to be their voluntary act and deed. 'R` PAMELA J. McCARRON Commission Nu her 772419 /own My Comm. Exp. -- 2.)21 Notary Publi/in and for said State 3 ACCEPTANCE OF TERMS AND CONDITIONS OF LICENSE The undersigned, being duly authorized to execute this Acceptance on behalf of 8(L/C5 it/o4/0I14; 1-66 , and having read and being familiar with the terms and conditions of the Revocable License, accepts the same and agrees to be bound by the terms and conditions herein. LICENSEE: Signature By: A0 T1% ,i Title: ,/ N/1/(T// !1 gre46 S v OWf'Jci� Dated: /d-- 7-/ Signature requires notary — Use "All Purpose Acknowledgement" on next page 4 ALL PURPOSE ACKNOWLEDGMENT STATE OF IOWA ) COUNTY OF DUBUQUE ) On this '' day of ( gee 20M, before me,. he undersigned, a Notary Public in and for said State, personally appeared pm 04;4jq» �°'reS. (NAME/S) to me personally known, OR proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument the person(s) acted, executed the instrument. (Notary Seal) i c ,ad8p KERRY JO BRADLEY Commission Number 808090 MyImmissi-a on Ex 'i�res �=�C� (sign in ink) (print/type name) Notary P blic in and f• State of Iowa CAPACITY CLAIMED BY SIGNER X INDIVIDUAL CORPORATE OFFICER(S) (CORP SEAL) AFFIXED NO SEAL PROCURED PARTNER(S) LIMITED GENERAL ATTORNEY-IN-FACT TRUSTEE(S) GUARDIAN/CONSERVATOR OTHER SIGNER IS REPRESENTING: Name of Person(s) or Entity(ies): (Title) 5 OWNER: OWNER MAILING: CITY/STATE/ZIP: LOCATION: PARCEL ID #: CITY OF DUBUQUE ENGINEERING DEPARTMENT APPLICATION FOR LICENSE OF ENCROACHMENT - DETAIL SHEET '2Y1 es %TISaby LL -6 otKe Ce -' ma -c A/c Contact Name &Pone Number: /11(ke. 6r'ics Date: '2 --2'd ugu &a ( (,4 SZoC roe Ce4-L ,vc /U z f 7(R oQ LEGAL DESCRIPTION: c5' Z3' /" Cir -y Items that need to be shown to scale on drawing - Use Additional sheets as needed Street Names Right-of-way Widths Pavement Widths Sidewalk Location & Size Obstacles/improvements in/or near area - ie - trees, fences, drainage structures, vaults, signs, meters, etc. Horizontal and vertical location and physical size Utility locations (One -call required -1-800-292-8989 or #811) Special Attention Areas - i.e.- railing size, dimension, height, material, color Encroachment construction material - i.e. concrete, stone, dirt, metal, colors, etc. 4 5i 6 7 8 9„,.„.40:„ 11 12 13 14 15 16 ?,24 25 26 27 '2 Image capture: Jul 2018 2018 Google [6 C , Abe MIME III 1111 111d111111111111111111111 111111 11111111 111E111111111 IMMINNIN 1.1111fferfarrara---- imminsman 1111111111111111MMIll 110111111/11111111111MNIM111111111111111. 11111111111101MENMIN t' 16- 111111111. 11111•1111 11111w11111111111111111111111111 MIME 1°4; t Riar/ 63(006„,/ P.-Last,e-e- 1,1 0*1:14. ;0,'.7,7•Y?4,„ . ' 49'.'4.0,N10)44-044,...044.444-4 R,••••"•,, •• • •••:, • •••••"' ••• • 444'4744 ,zi,4,•41.:;- ,44'47,:,43e4 444t4 -4:-.4,447.r. 27444 tOn'4, tle'' '44 „„. Bries Holding LLC 1046 Central Ave Dubuque, IA 52001 Legal: S 23 4" City Lot 271 Parcel In- 1n24477Anns i � � i i �ia�vever, s�lf��Iled v�htcles vvith tn�f�llc�vding iYl�� '��."F�ducts-c�mpl�fi�d c��er•a�ias�s hazard": � of perm�E��r,t3y ait�ctt�d �quip�nent a� n�t "met��� �. GncCud� a(! °t�o�ily injuiy° artd "pr�}��c�� damage� � ` �ul�m�nt"�ut will b��r�,s.=dered"�ut�s"': �c�ur�ng a�t��fr�sm preml�yo�o�rr;ar ren�and�tf�ing j � (1� �uipm�nt d�ic�ned pr��a�ily fnr. out e�f"yaur�r�cluct"�r"your�ac��k"except � ;i {a) �r�ot�r��ova1; {9� Frodttet�tk�a�are stil!(n}+aur physEcal�oss�ssion;�t ' � {b) F:�ad m�ir�te��nce, �ut not corstru�#ion or {�� [�r�thaU ha�ruat yet t�an comr�l�ted vr�bandar�ed, ; � r�su�f��ing;c�� N��rev�r, "�our�;€c" �rill be dee�ned c�mple�d at {c� ,�tre�tc[�nir��r #h�ear��esCafthefall��vingtim�: , f� �tUnen �II �fl tk��vvo�t�al�d E�r in c�ur c:ffntr�ct $ ��� .�`i�'SE�'I� �:II�{fi.'(S "dC1C� S€Illt'�if` C��'d1�°5 CTI��SI7��t� QI"F 4 � � i g a�rta�obile or�r�ek ch�ssis and us�ts�ra��e vr I�wer izas b�n cc�mp€�ted. i '' v�o�it�rs,and {b} �en a€i e��the�arK tc b�dorte�t fhe job sit�tz�s � � {�� �r c�mpr�ssors, pump� ar�d �en�r�t�r�, including b�en ecar�plet�d i�yc�ur c�ntr�ct r.alls f�r u+�rK�t � ��rr�yinc�, �Idin�, �u(ldinc� ci�anir��� s�e�#�1�ysk:a# t�c�re ti�an ane j€�b si��. � ex�Ear�tioii,lighting�n��^iell��vi�iny�q�ipment. (�} Utfi�r�'that}�rt of th�v�o�k don�at a j�b s�has � Ev s II �Ee��,�5rer, "mobii� ��ui�ain�n�' daes n�t inc€ude any Eand beer� put t� its 5nt�r�ded us� k�y any pers�n c�r ; vehlcles tf�s�t ar� suia��c� fi� a c�mpulsbry c�r finanGiai c�r���fz�tla�n oth�r th�� anc�ther eotitractt�� c�� x (i resp�cyresi�ilit�la�vorc�th�rmotQrv�hicl�insura�cel�5�vt�+�€`�ifi su'�nt�ckorvvark[ng�nth��amep�oj�k: i � i�iicens�ett�r��r�cCp�lly ga�a��d, Land uehiele��bj�c�tc�a VL�r�that��y need sehric�,�t�inte�nc�,carrecti��, � � ��mpul�eiry c�r finar�ciaE r�c�rssit�ilitx,� fa�v v{ c�ther ��ta.r r���r �r "c�lacettter�t, �uti �hich 1� �t�t��is� ? � ve�ticle Insea�ance la��a€��orsidered"a€��t�s". corrtp3et�,avi.(��tr��a�t��cs�m�leted. � q1 ��,"C��urr�nc�"' rr�e�n� �t� �eci��nt, includln� a�ntini�u� or E�. Lk�es nc�t include "�adily inj�r�" �r ""prc�p�rty da�a�e" � re t�c� �xpc�su€�tt�s€�bsfi.�nti�lly the sam�ger��ral t�rmfuE ��sin�at�t of; _ � Ctirtditiohs� f ; ('�} '��transpo�ti�c� �if �tQ��r�y, �n[�ss t� in�ury c�r '14."Per�rtal and �dver�isina irij�rr j" �n��ns inJu�y,, incd�dln� c9ar�age�ris�s tsctt of a cc�nditic�n En r�r nn�v�hie[e r�rrt ! cons�e�a�r��af"t�dily'snj:ary`�,arisir���t,�4�ar€e or m���af th� cs+,�,�n��# or op��a�d by you, anc3 fhat cnt�di�i�rt+�ras � fo3lo�n�ing�fenses; cr�at�d by the"Icading or unEaading"c�f fhat v�h€�le a. �'al�e�rr�,dete�sti�n or Imprisc��men�; by any in�:r�d; � ; i � b, Malici�us pco�ut;an; {�} "E�� �xistenc� of to�3s, uninst�lE�d �q�fpment or � abandonec€�r unus�materials;ar � C> Th���ong'ru��v�i�r�frc�m,�rongful entry into,or invasi�n ; of th��ight c�f�rn�ate�cct�pancy��a room,dwr�lEir�r� ar {�� E�d�acts or apera�ions fcxr�n�ri�h Che elassi�ic�ti�n� � pr�mi�s �hat a �rstin �c�upins; a�mr�itted by ai�ari Iis��d in �he [���ratior� c�r in a '�Eic� S�h�u[e, 1 �eP�aEt�f ifi�e���er,Eancil�rd c�r lessor, stat�s th�t prcd�r�s-c�mplei�d e�p�rati�sr�s ar���jec� � #t�the�r,eral��r�;�#e 1:i�it i � �. ��al ar v�i+�en publlcatic�n;in any rnanne€;c�f mat�ri�(tt��k � �land�ss csr I�be�s�p��ra or orc�aniz��ian ar dis�arag��a 17."Pr�perty damae�e"m�ns: �ersc�n's ororga�iz�tion's g��ods,pradu�s�rseri�ic�s; �. Ph�ic�(in�u.ry t�tan�ible pc��erty, including a[3 re�ulting � � �. Oral c�r�rcitt�n�u�Elcation, �n any ma�n��,Qf mat�r�a!that loss of us��sf th�t prc��;er�y: A��sucl�Icss e�f use sh�Il � ' viaiates a��t��r�'s�ir�Frt of priv�cy; d�med tc,� �ccur a�t�e tit�e c�f tl�� �hVs�cai injury tha� � � f, Th� us� af an�the€'s a�uert�sing ic��� ir� yaur c�used it;or h�dvertls�ment";ar t�. �o;� �f usA czf tangibl� pr�p�rty t1�at is nat physically injur�c3. Ail such Ic�ss c�f u��hall h�deemad t�accur at � � �. Infringin�upc�n anoth�r's copyright,trad��firess�c slogan „ IYt yot�r"a�+ier�I�sn't�C�t". #he time�tf the"bccur€�nce that caus��t ik ; Far f#� purpc�se� of this insur�nce, electr�nic ciata is not � "1�."F�Ilutants"m�an ary sQlid; II��;td,gas�aus czr iherma3 irr�ant tangibf��rap�rty. or cc�ntaminarrt, ir��3udirg smok�; vap�r, scr�t,fum��, �clds, alkali�, �hemica�s an�v�ast�.U�st�Includes rnat�riais t� k� ra;y�led,r�canditic�n�d c�r re�a€med. ? � i �@ € ; ; { } ��� 00�1 Q�1� � Insuranc�S�rvices�f�'t�e,lr�c:,�G1� l��g��5�sf 1� y � � � � � ; � i , �useci in this deflnitian,electrc�n(c data mear�s informatic�n, b. Includes: : i facts nt pragw�ms stnred as ar on, created or usec( on, or � i {'�} V�rr�nties or capresentations m�de at any tlene with transmitte�to ar from camputer svfkt,�re, incfuding sysfiems ; and applicatic�ns soft�r�rar�, hard or flappY t�isks; CGt-RC�+,1s, res�ect ta the fitness,c�ualit�, dur�bility, per�Qrmance , tapes, drives, c�lfs, data processin� devlr:�s or �ny �th�r �r use of'your produ�`;and ` I media vthich are used ti�llth ele�trc�nically ccsntro(led (2} The providing af or faifure fio �ravide �rramings c�r ;� �quipment. instructions. �� `I$."Sui�'means a civil proce�ding in which dama��s because at c. C�as� not inclutle vendin� mac�ines �r ather praperty ; ! ��bodily injury" ��praperEy damage"or"personai and adverEising r�nted to�r locatecf forthe use af others k�ut not s�Cd. j injury�� to whieh this insurane..� a�pfies ar� a(leged. '"��tit' 22."Yourv+rork" ' • includes; � �. N1e�ns. ' �. �n arbitratian proceecfing €n �rfhich such damac�es are � claimed �nd ta v�rhich the insur�d must submit or dc�es {�) ��rk �� €�p�ratic�ns perFormec( �y you rsr nn yaur ! b�halP;and submit�lith c�urconsent;nr ��� ���terials, parts or ec�uipment fiumished(n cannection ; I;� k�. Ar�y other atkerrra'tive c[[sput� resolution proeeedirtg sn I which such�amages ar�clai�ne�and to�;��hich the insured �v€th such v�rork ar o{�eratEons. ; � stabtnits�fx7th oucccrns�nt. b, Iric[udes: � I� 7�.'Tempor�ry+rzor�er"me�ris a person�vhr is fumisheti to you t� �'1} V�tarranfies ar r�presentatians ma�e af any time 4vith ; � su€�stitute fior a permane�rt �'employ��" �n leave or ta meet t�spect to the fitness,�ualliy, du�al�[lity, petform�n�e � �asonal�r shar�t�rm tftirorkload c€�nditiorts. or use�f"your vdorK";:and 2�."Ucaluntee� v�rork�r" r�eans a per�an �rha is not your (2} The pro�tdinc� c�f or failur� t� �r�svide wamings or � "em�aloye�", and�ha donates his or h�r�uork and acts�t the Cnstructi�ns. 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I � � � ' � / / - � � ` _ i j% L, G / � � � , � � o ' � n e � `- � � ; �i , � � � �� � / � , , n ic G � _ � �, . � � z �< c�� f� 1 �'�lf �;�� o '1��w �� / y3c/ �� t� � i �•,} w �� ��200/ v ;�.Gu$u � ; Ph' ��j �ro__ �r r� ��<�� h�tps://www.google.com/i��aps/pl�ce/10�6+Ce��tral+Ave,+Dubuque,+IA+52001/ a 42.5034... 1 ] /28/?018 � � � � � � � Checklist €�f Required Ifiems for Revo��ble Er�croachment of Public Right-of-WaY � � h � Proje�t Descriptian: �' ��1�- /��- �c-..�. ���� ���a��� �, G � � � Subr�tt#ed. � M � # Letter af Applicatian � � F Application �.icense � � �) � Insurance Certific�te � a � Drawing widimer�sions ';I & right-of way °''�� - Use Attached L�etai[ Dra�nring Sheet or Scaled plan of y�ur chc�ice j ; i �, � License Fee _(�.,U ���� ;�_ ($250.00 U�ILESS OTHERWISE ENDICATED} {Does r�ot include Permit to Work In Right c�f Way F�:e s�r Recording Fee) � � * Amaunt df staff investigation, revi�w, involvement2 reasc�n fc�r encrc�achment, ma� � necessitate the adjustment of this fee and will be determined by the Citv iUlar�aqer. �, � Rec4rdin fq, ee far this documenfi �s nc�t included, � Any �ermits fihrac�qh Buildinq Services Qr other departm�nts a�e not included. � � � i STANDARD FC�RM FC�R "REVt�CABLE" ENCROACHMENT LIGENSE Rev 1 22 2014 Rev. �� 18 �015 2b � � i � i �`"� � � ( OR72(fr�fr11C301Y1'YYJ ",��"��' ��F��"#F[C►,ATE C}F L.�A,�1�,.tT'�` lN�I�R�:C��� ��ro7r2o�� ; � TMI�GEF2TIFI�ATE IS#�SE7ED A�,��v1A1"3"ER Q�[NFC3t�ATI�7N�SNLY/�tE��C}N��F25 iwtE7 Ri�NTS t,li�t}N THE CERTtFIC,AT�NQLDEk�.TH3� � C�32�'IFiGATE DC7E�I�t�T AFFIRhrM�T1V�L.�"C}l�NEGRTtVELY A14CENC?:�XT`ENE3 C76t ALTEI�THE Cf)V�I��E�kF�t}R�7Ei3 Bi'7FiE PQLtCi�� ; � ��t�aw. �r��s���T��ic�,;�a��r�s���rtc��c��s r���'�t�r�s�'��ru���ct�t��r�acr e����s���tssu�r���t��u���a{s�,�:ur�tc���z�t� ? R���t���l�"I`ATIV��3R P�C}Dt10ER,kNC�TME���TIFICAT�HCtLE�ER. � � IMPC}�2TANT: If#he cer�i�cat�h€�Eder Is an AI?t3ITIt}NAi,it�SUREC7,th�poEicy{ies}mi�sti have Ai�DtT1QNAl.fSJSt7R�D pravlsion�r�r be ersdors�d, � � 1��L#BRQGATIt?hJ 15 WAiVEQ,subJect trtz�e terms and cc�nditi�ns of f4�e palicy.cert�in pol�c�es�nay r�quire an endocsement. A statement on � � thts certifica#e dtres ncst ccanfier r���ats ta the cert3#icate�older in 6i��of�uch endorsement(s�, ' n�oouc�R ���� � Lind�a Gaspersen ; ; Key City tnsura���e �C�H��t {563}583-t}1fl� ,atc.r�o: t563)583-0t27 � � 4E35 Asb�ry Road �osa��Ess: k�nd�cQtnrkpsins.oc�m ! �, irasuR��t(-s}n�Ft��tt��hE6covee�AG� NA�c� � E}43�t11{�ue . 1/� S�C�� )tdSIJREft A: P@Eitt-�����Ys.5Uf8�iGB CiS� ` � E thtStlFtEi} � tAtStSR�R�El: � u Br�es Haldings LLG iz�su���t C; j !i PQ F3cix 22 1t�5Utz�R�: � s � I�kBURER E: Dubuqua IA 52t}G�-Ot322 �NSUR�RF: , "' CC}V��21kGES CERTIFIGATE NUME3�1�; C1.9$�27t754?�� �i�Vl^aI(}N N€1MBER; �I TH1S ES TQ CERTIFY 7FEt�T TI-fE'.�OLIGI��bF INStiftt�t�iC�t.PSTEf}FELC7VV FfA}!�E��EEV ISSU�G�°ft�'FNE 4NSl.�R�f3 NAIv1E[?ABQVE F0�THE POLECY PER#4lD � , It��iGATE�. hft3'MfITt15TkND#hiG ANY F2�QU[ftE�ENF,T�Ft�rt[}R CQNalTit}�l OF ANY G{}Nl"ftF1CTfJR C?THEf��C7�UMENT W2'tN RESP�CT?C}WH?GH T�iIS ' CGt�TIFICATE N1AX B�[aSUE�J�r^x MAY PE�'Tr'ttt*1,THE thlSUft�'+#\C�A�t=t`3RC}�[)6`f THE Pt}E�1GIE5 C}�.SCRI8E6 HER�II�!iS SUSJEGT TC�AL[.T3-(�7ERIvFS, j i EX:;I.U51flN5 Ahlq GC3t��€TItJNS t}�SUCN Pbt�4CiE5�Ll�rli'�'S�HDi�°JN 1�AY C1AVE 6EEN E2�C3tJGED BY PA111 GLAfNt�4 � ii iL7R TYP�QF�NSUC�ANC� INSl7 WVD PQLIGYlVtlM�tER Mtvt@D�tYYI'Y CdMICrOlY YYS l.lMiTS `,� Cc3M�kERC1A4.G�Pt�RAGL1A6iiXS1' �AGHCI�GURRENGE � 1,b4t7,�0t3 � il t� :'e � GLAt�95yR�iAq� �OCC3JR PR�M95�S#Ea ac�uerenc�l � �`�{3;�Q�� t A Y �'AG145`#28 i1,'fS512t}18 111t351�a1� M�o��A, i�nee�r�aij 5 �,�0� � ! 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AtYO E�PLQY�FiS"�LSA81�.tTY �YlN � � ,q nNY PI'xt}PRS�'}'f�R�PAR'1`NER7FJCc.CU'flVrc .N f R f1C1CS''G�c^C�IOti-i70 BC7T �0 885 E.L.E.ACN AGCIk7ENT $ � tl {}FFICEEtt,AE�vl��FtEXCLtiD6EYd � K� Y ^." {Pr�anda#otytn�FH}. £.L.i�I5Es1SE-EAEfviPL�YE� $ , `f�as:descrfi>e vnder � . . � �rS�RI#�T19N t)F OFEl�a�TEGNS beksw E.E..pIS�ABE-P+.�LIGY L;h9iT $ - f $ t � DE5CRiFTIflN C}F CiPERATiOi�iS 3[.00ATIQNB!V�HiGL�S�(P.GORD iQi,Addiiional Remarks Scheduie,znay�o attached if more sp�c�'ss r�tqurr�d} { Job: Har�dicap C;amp at 1G46 Centrai Ave.,gubuque,]A. Attached are farms�G 2t11Q 10f01,GA�t09�1Qf01,EPA-17fi2 2117,GG 2d94'[11�5 and CG dt7 ; 01 4f33 ° i � CER71F(CATE F1OLLIER GARIG�I»I.A,Ti(3iV ! a �HC}LtLb ANY t)F THE Ak�tSV��IESC�tI���}F'bLfC2ES BE Cd�GELLED BEFt}k�� TNE E�PIFtATI�}N C}AT�THEREC7F�NOTtGE YVILL BE[}EL.3VERED�N The City c�f Clubuque ACCOR�}ANCE Wt7H THE POLEGY PROV18iONS. 5f7 GVeSt 93tJ�5E. �,usyca�iz�o s�����seNrnrnr� : i t7uhu�ue � !A 520p^fi-A864 ���.�e+�`�tj�i."� . � t�7't9$8»2i31�AGt��tD�t1RPQR�TICiN. Aft Pights reservecl. ` � i .A�C}�t]25(209614�j The AC£��t�name and(og�z ar�registered marks��'AGt7RfT � I i 7 P¢ � Y � PC}L1�`�C�UM��R: G�IMMER�1�,�.C�NERAL LIABIE.1�'1" � �t3�t}'�f�'t0 Qi i � TH1� ENt�{�R���f�NT �HANC��� THE FC3�.1�G�. 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UVith r��peck �c� th� ir�sur�r�c� a�c�rded #� th�s� t�on�E insured{�} �t th� site �f fih� ct� f � �dditi�anal insurec�s; the fallowing exc�usior� is �red c�p�r�tions has beer�cc�mpleted,or f c �' �dded: (2} That p�rtic�n c�f"y�ur wor�C° �ut af wi�ich ; 2< �xclu��e�r�s fhe injury c�r dar�age aris�s �as �aen � �"his ins�r�nce does nc�t a 1 ��"bodif iri u " �ut to its�nt�ndec�us� by�r��person c�r � i P3�Y Y� 1 �Y argan��atii�rt rsther fhan �noth�r �r�prc�pert y c�ama ge"c�ccur�i€�g after: con tra�t�r or su bcontr�ctc�r engage d in � � p�rfc�rrr�ng op�:rat��ns fic�r a principal as ! � a�aarf af tE�e s�me projec�� } � � i � � � � s � i � � � � i �G 241t}1�Q'� t�ISQ�'rc�perties, 6nc., 2�00 A�ge fi c��'�[ E� � c � E � � # � � � � � ; � a `�`l�f� �.NC}C�R�EME�T G�AhCt��a TH� �C}l.I�;`t'. F'�L�A.�� I�EAG? 1T�,�C�.�Ft�LL,I�, t { }'��'^� jx ]� f� �M�y, j'"��{�^y �{ �'+� ; # # �Y,��.lil" i�� � ��M/��w�riF�� R ���V E SM`R R� X #.���ni������ *�M�� � k +1�iMP��� ! ���1M �`�4M'�� V�iwE�V�l'"1��� Y'"#ieM[.�����yP��� � �''� ���U���� ; C 3 � � ; `i'his�n�t�rs�:ment modi�es in�ur�nce prervid�d ur�der the f�1l�wir��: ? � �t�N�i��R�1AL GEt�ERA�,�»tAB1�,C`T'�'CC�V�RA��F�A�T � ° �CH��YIJL��. E ` � 1�a��tsfi Per�c�n c�r tlrganiz�ticsn�Ads�itic�nal lnsure€� : ; y . �`h� �ity t��' Dt�b�tque, includ�n� a1� its e�e�ted and app�inted af�ic�a`�s, a11 � its er�p��,ye�s �r�d v��unteers, a1� its 6�ard�, car�m`issi�ns &/�r a�tl�c�ri���� j � �nd -�he�r bc�ard rr�e�bers, em�1 nye�s �r�d v�1 t�r��eers j ,j �� ��s t �.3�h [ � D�tbuqu�� I� 52�(�I � � � � � � ;; � �� �Nith ���pect t� insura��e prc�vade� th� additianaE . 1NF��n #�is 9nsuran�� i� eitc��s ov�r any � � i�sur�� shc�wn in t�e Schedul�, SE�TI�N N - c�tf�er insur�nce; w� wi11 pay �nly c��ar ; ;� CCC?NIM�R�IAL G�1��RAL L,l,�.�iLl"FY G{}N�1- sh�r� c�f the a�c�unt crf th� loss, if any, ; , 'Cl�?I��, �. C►fher insurance i� deleted in its en- th�t exce�ds the si.�rt� af; � � tir�ty�nd eeplac�d�y th�f�lic�winc�; ; ��1) The t�t�E �rr�c�urit th�t a€3 �uch ather ; � �. C�t�er lnsuranc� insurance w�u�d pay fc�r th� ��s� in the�hsen�e€�f t�sis Insur�nce;an�i ! I (f c��her ��Iid ar�d colEect�bt� insuran� is ; � availa�S� to �f�e acl��t�c�nal ir�sured far a Ic�ss ��� T�� tc�tal t�f a!1 t��ductibl� �nd �e�f j � w� cc�v�r ur�d�r Cov�ra�es A c�r B �af this ir�sured amounfs €�n��r�ll tha�t c���r � � Cov�r�c�e P�rt, �ur obli���orrs a�e Iirnited as insurance. � ; fo![aws� l�!� v�ilE sl�are the re��inir�� lass, ifi �ny, � � �. E'r�mary[ns�canc� . aui�t� any e�ther ic�s�rrar��e that v�as n�t � b�+u�ht s�eci3ically tta �zpp�y {r� excess c�f � � UVhe�`e r�quireti ��a writt��c�ntract,tI�is �he L'trr��ts �� (nsu�an�e sh�wrt in t#�e f � in�uranc�i� p�mary �nd noric�r�tri�autc�ry p��Ear�ti�ns�f t�is�v�era�e Park. � V as resp�cts ar�y �ther 'snsur�n�� p��icy � s�sued �a tl�e additit�n�l ins�rec�, t�ther- �. N��fihr�d of�haring � � �v€s�,b.below appEies. ; If�If of�he �ther €n�urance perrnits cQn- ; � b. ��cc�ss lnsurance #.ri1��t�an hy equal sh�res, we will fallow t�is rnethcrd a'so. L1�der this apprc��ch ' Thi�insurance is excess over any �f the e�ch inscarer canfiributes equ�1 ame�unts ' c�ther lnsucanca av�il��l�#o the additional until it�:as paid its �p�licable iimit �f irt- , insur`ed w�re�f�ser primary, �x��ss, �an�in- � surance or rton� of the lcrss r�mains, ��nt c�r+�n any c�ther basis. �tvh�cF��ver comes firs�, ; i �lhen this insuranc� is �xcess, we will If any �af fihe o�her insur�t�c� d�es n�t ` hav� n� duty�r�d�r Coverages A c�r� to perrnit cantri�utian �y equal sha��s, we � d�f�nd any claim or"suit`" that any o�her will �c�rs�rit�u#e l�y 1ir�tit�. Llrtc��r this { insurer has a dufy tc� d�f�nd. If nc� c�ther m�thoci, �ach insuce�'s sh�re is b�s�d on : in�urer de-Fencis, �.re wil! ��nderta�te t� do th�ratio a�F its appli�ble limit of ir��urar�ce � scr, but w��vill be entitE�d t�the in�ured`s tc�th�tatal a�p€scable iimats +a�insur�nce = rights ac�ainsf all th�s�oth�r insur�rs. t�f all insurers. � s . 3 ; �A�#l9�'1 t�0'! ` 9 � � � i [ � � � Ij t � � 3 � A �' � � ���� �����i.����N��t}`��� ,�7�.� r�� ���..��r�. ����+�� ���� �� ��������.�. � k � � �.�� �T��'It��] �F ��1�� c�� �`� ���1��1.��"�G � � �'F��� 1���`, �`�tJJE:�:�" {�� �1�����IC}I"�I � � � � �his endot�ement modifi���nsura�rc��r�vl���underthe fc�ICa�irg: � , � � �CJ�9I�l�RClAE.�E�7ERAl.LIt�IE.I C`t'CC��A��PAr'�'f` ? j ' i i �G�i�i�t�L� � I� � � Pr�mis�:�: 1) �a�6 Genttal C7ubUque lA��0�'I { 4 �����5 E��lie� l�ub�a€�ue IA S�Ut�1 f � � ;I Prc�j�ct t�r t�¢��rat�c�r�. � i � � I � � � ii 3r�rtn�tion� uire�to c��n lete tha5�Gh��ui�,�nat sh��abave,�iil Ge shtawn in th�?�iarati�ns. w � I . , ': R< if ihis�r:dorserrrer�t Is aft�c��eci tr��a�m�rcial�ener�l�iab€lity �3} F'��i�r t���paolicy �:�rled, rto ins�sr�f Its��d under � ;� C�av�ra�e FQrm +G� �k{� C3�, th� ��rovisi�ns �ar��er t�is F�ra�r��l� '!. �f�ctian EI -�tbito Is� Insureci � � 3�aragr��h A.a�r�Ey; �nd na"e�pi�ye�'"auth+�rtae�J #�y y��to giV��r ` d '�. Fara�r�ph "I.b. �x���r ��G#i�C� � —�ove�'�g� � — r�ceiu� r��tEc�of�cs"�ceurr�nce°�ir c{aim, k��r � �c��#ily �a�,��ry An�i I��'c�pe�y Ct�a�ae�� Li��iiity th�t the'��d�[� ir��ury°°�r"proper�y��na�e° �a� ; � is r�pfa�4d}�y th�fa3lowing. t�ccUr�ecl, in �iol� nr Er� �a�. If such a l[sted insur�d vr autha�zed"em�a]ay�e" lin�wr, pric�ta ; I� k�. �"his Insisrarce app{i�s t�"�c�dily inJury""and"prop�rky fi.h� p�licy perl�zd„ �hat t�r� °b�dily injur,�' crr � I da:m�ge"causa�iay an"c�cc�srrence"that takes p(ace "�ras��rty damag�" ae�u�€�d, t�en any � ;� i�the"c�v�r�c��t��rif�ry"c�nly lf: cantinu�t�on, change car r�urr,pti��� �f st�ch t �� (�� Th�"i��ity ir€jury"or"�acopertf�dar�ag�": "bodi� injury" �at „pr�r��riy damat��"` during or ' � ��} C�curs �n th� pr�mises shso�ar� En the �fter�re ��[[cy }a�ri�d �±itl b�d�m�d t� have been sir�wn p�ic��t�the pa�icy p�ri�d. � S�hedufe �r th� grountis and structures : ap�u�kerrantt�rfhosep�rraises;ar �. I�r���aph �t.b. unaer ���ti�aCt � --�4v�r�c�e B — ' {�a) �ris��sut c�f the�r�jec��ar ca�rat�an sho�,vrr in P'��`�c�nal Artd �d��t`�is�t'�� t�j�t�'� E.i�bi(�ty is � th�5c3°t�d�:le; r�p��ced k�y th�Pollowing: s (�} The'"l�dily injury" c�r"proparty darr�ac�e" c�ccurs �= This �nsuranc� appi3es ka "perscanaC an�f adv��tising ¥ tturinc�th��al'scy��riod;and �n3'��Y" caused 1�r an affer�se cn�rni#E�d in th� � °cnvera�e t�rrkt�ry"E�ut c�nly ifi: � {'�} The oifense arises out o#your k�c�siness: � i �a} P�rfn;med an th� �remt�s shown in the ' � ScEteciu,�;�r I � 4 � � � � � ; � � f � EPA-976�(t�2!�fl17) [ncEud�s copyrigi-�t�d m�t�:ial of Insurance��nri��s C�fFic�, Inc,;v�tifih Page 1 t�f 3 i ` !tS�8CfT�lSS'tOC3e IN��.1R�t3 z i i �p i I I � , � � � � �, £ � � �, (E�) In ccann�ctic�n �i�th t�ts pr�ject or oper�tir�r� B. 1f thl�en�or�em�nfi is attacheci to Gi3rnin�r��al�enet�l Liab€lity � shcr�rn in th��hec��afa;and �ov�r�ge �rm GC� E3�t G�Z, tt�r� prauisaor�s under t1-��s � ��} '� oifense �ras committ�i durine� th� pali�y �'ara�raph B.app(y: � � peri�c�. �. €�e��ra�h �t,b. und�r S��tie�n I —GaV�rage A -- � ; �s�c#i1y�n�ury�nd F'r+�perty[��ma�e Liabi�i�y � NoS�rever, �vith r�spect to Fara�ra�h '�.b.{'1}{a) of � this lnsuring �reament, i� th� "p�rst�nal and is r�plac�d by�he f�l[a�air��: � advertisir�injury"is c��tsed#��` b. TP�i�it�sur�rsce applies t�"bt�di;y injur�r"and"property } � �'�� �'alse am�st,datei�tion c�r icn�i�sonmer�t,nr datria�e"caus�d by an"accurr�n�' tk�at#ak�pl�ce � s ir€th��"c��rat���t��rriE�ry"anCy if: ; � (�} 't1�e�+�r��c��ul e�vic�ian firom,+t�c,n��l�ntr�inta,�r ' � in�,+asi�n t�f the right afi �ri+ra#� n�cu�ncy vf a {1} "CF;�"S�dily injury"c�r°pr��ei�,�damat�e"; � � rorm, d�ntellin� �r premis� tl�at a ��r�on {a� C�ccars an #.he �rerri[s� sY�i���n in the � � c�c�upEes,ccam�ni�ted by=�r on bei�alf�f Pts o�Nner, w ch�3u(e c�f th� graun�� and structures � ii I�ndE�rd�r l�ssc�r; �ppur�enant��th�s�pr�mEses;or i ' a then �uch �Per�se �n�ast ��� t�u� c�f y�c�r �rusin�ss {�r) t�ri�;s�u�a�th�p�c��ect c�r��rat;���ho�}m i� � p�r��r�nad �n th� �ramises sh�n in the Sch�du(� the�ch�du(e, � �t1d �'i�B t1f��Ct"a#� tTtUS�i��4'G' ��Il CC?E]'€F111C�8{� �Jtl tfl@ : ��} "€1��"b�iiy Fr�ju�y"�r '�r�p�rty dam��e'"d[d n�# , � �aresnises shc�wr in the�C��iu,e nr th�grounds and c�ccur b�€�re the�i�roac��ve C)ate,(f any,s"�wtt f� I k s�ructu;�s�ppurt�nant t��hcse pc�m��s, the �I�ration� �c a5�er th� etid �rfi ftt� pa[icy � � 3. I�r�grap�r "!.�. under �eCiat�r� 1 —�t3�tei'�t�� C:� � �riQd;ar�d ° � � ' M�:�#i�!��yr�n�is r��lac�!�yft�€�I(awinc�; ��) Ac[�ir�fvrdar�ag�.sbe�u��fth�°k�dyiy injury" � la a= �'t�;�v1,1 p��medical e�a�nses as das��i�ec� �elo�r�far rac"pr�perty darr�ag�" is f�r�f m�de ac�a'sr�st�ny "�sdily ir�j�:ry"cau�etE by an��cidertt th�tt Eakes pfac� Ensured, in accordar�ce witt� Paeagr�pi� "1.�. crf � i�s x��"cav�rage terriioay"iFthe"k�dily injuy" �his(r,�urin�Agr��n�r�t; �urin�r t�e�o�'c'1 la�ri�d a tl or �ny ��ndeti l�e�o�ing F'eriacl t��e prc�ul�ie � {"1} C�ccu�s r�n t���r�mises sho�rn in ti�te�h�dul�ar � � th�gr�us��s��ic�str�ac#ucws apE�u�te�ant tc�th�� under�'e�tior�V-�fended€iepar�ir�P�t�t�ds. 3 pr�mises:�r �, P�rac�ra�l� �1.�, und�r ��cfi�t�r� 1 -C�v�a`�tge B �-- ' � {�} firis�s outaf the pra�eck 4r�aperati�n sho��n in the �'��svnal �tnci .�dvertisis�j 1nj�r� �,i�ksi�it�t �s � Sch�dule; rep!ae�d by the#oltc�wir�g: pravided t�at: b. '�`h`ss insurancs �p�lies ta "per�nal and ad��rtis(ng i ir��ury" c�us�d Gy �n c�er�� com�ttitted in the j ,i {�� Th�ac�;dent ��es piace clur[ng the ��Iicy ,�c�verage te�rit�ry"tat��nly if: j � ��ri��; �b) `T'��e�ya�nses ar�inGurred anci r�:part��t�us ��) ihe orF�;nsa�ris�s vu�€�f y�rur bus�[��: g Ntl�'i1t1 CsCt��f2��`tY�t�i� C�fl����t�YB 3��'�; t$P P�'����'� CSCt f�l� �It�CIlIS25 S�IQ�VC� [t� C�'34' � an� �h�#ui�,ar � (C) Th�ln�€�red p€��sarr submtsta examina�i�ri,at (1�} In er�r�n�:.�tia�s u�ri#h ti�e prc��ct vr fl�r�tic�r� ; �ur ex�nse,by pl�ysicians of aur c�ol��as shot�ti in th��edule; �ft�as�b�e Ce�sona�ly reqealre, (2� Th� �+f�e� w�s n�t cQmtni�ed befar� the f R�trs�ac�;v�E�te,(�any,sh�nun in th�t�lar�ti�ns ' �ar after th�end of th�pr�iicy p�;riad;ar�t� � � : � � � i � ; � ! 9i I � i �P�-9'?62�fk�f�(��I7) Incl�des�c�pyr��hted m�t�rial oF lnsurance��evices(�fFice,1na.,uvith F'�ge 2 c�f 3 � it�permission. � � � { � � � � � � � � {�� A c#�im far cfarr�ag�s because af the "'�er�or�al �. F�aragr��h `t,�, un��<�eC'tic�t'l I —Gt�V�t`��� � -� � � an� a�iver�i�i�c� injucy" is fir�t inade a�ains�an� IVTe�IiC�I F�a�rr�ent�i�r��Eaced byth�f�l�c�u+In�; � � insur�,t, in acc�rdanGe vvith Pac�giYap�r `�.�. �f �< �rvil� pa�r m�ri3c�1 ex�nses a�des�r`sk�ec,i b�(crk�r far � this frtsurirt�A�reem��t,durinc�tt��poli�r��ic�ci ��odiEy i�jt��y'°caused by an acci��nt t€�attalt�s plac� � � �r arry ��ncled F�epa�ing l�aEod � prt�vide in t17a"cov�ra��t�rrit�ry��ifi the"�n�iily irsjury" � und�r��fi�n 1�-Ea�ended Repo�(ng 1�e�3ad:�. Hc�tuever; ��i�h r���t �o I�rac�r�ph '�,#�,{"!�(a� r�� ��� c�curs�r�t��premise�sF��v�ninth��h�duleor � � thl� G�suring A�re�menf, ]f th� "'pe��nai and ��e�ro�nds anct struck�€r�s app�rrken�rrt t�t#�asa : � �?t'�rrtlses,or = � �dvertising injuty"I�c�used by. , ��� ��ses�ut c�f+he��e�t�r��ratian shc�v�n in fihe i �'1} �a�s�arres`�,�etenticn or impri�anm�nt;c�r � $ �ct�edule; {�} 'I'���rmr�iul evic�Eon from,wrangful�ntry infic�,c�r pr�vide�ti�at. � a ir�v�s��n �f the right of pmrate ��cupanry af a � j rc��m, d+nrellirs� or prer�is�s tt��t a pe�s�sn {�� The accid�rtt t�k� ;�f�c� dutin� �I�� pvlC�}r � � ac��rpi�s,�om�nitt�i by�r�n t��haif c�f(�s�acnm�r, p�ririd; I lar�d6c�rc�oi-��r {�S� 'T"r���x�erses ar�incurreti and��ptsr��to us � �' c�hin one �r ofi t�e date c�f��re ac�id�nt; ; th�n such o���e ��rst�rise aut c�f ya�ar b�isi�eas Y ' �e�form�ci ar�tl�e p�emises st-�v�n in#h��hedul� ��d � �nd th�b*#��� mc��haua be�n C�mrttltt�d an the {�} 'T't»[njur��petsc�n SUk�mitstc�e�raminati�n,at i � ��:mi����n+rtt�ir9�he��ul�ae fY��gmurtds and asar���rise,�y ��ysici�ris a�t�ur eh�ice a� � �CUG�;�T����?�5UT�1'311�fC?�YItkSG�(�C1't�5�`. p��*��S kV6 i�'d�t}CI�bI�t`�tit,�. � � � ,, E F i j � � t � ( € � � (g t � � � t k, 4 F t � 2 �I 4 � i i i � , f � # � t # } � � �y 1 S � t s EPA-1762�0�!20't 7� (rrcluct�s cc��yri�hted materi�[of Insurartce S��vic��t3�Fi��, Inc.;=�Iitli Pat��3 of� # €ts}�errr:iss[c�n. � � i € � � � � � � a � GC)3VI('JI�I�GIAL.�EP��F�A�L.L.I��ILITY � � C� QQ tl1 t�4"13 f I �i E � ,� �r��� � ������,.. ���`1� ���.. �...�����.��� �����c�l .��I� ���►.� i F� � d i � � Vaei�us�r�avlsions in tf�i�p�alicy r�strict c�ver�c e. �ead the er�iee {2� `I'he'"��dily ir�juty"c�r"�f��rty dam��e"ac�,urs t�urinc� � � pol�y carefully to d�termin�ric�ht�,d�ities ar�d vrhat is�nd�s n�t the pc�Cicy�eriod;�nd � � cav�red. ��� Prir�r t� �he�a1i�y per�od, no insure� I��teci under • �, 'Tl�r�u�I�aut thls �alf�y the v,�rds "yQu" and "your" r�fer t� fihe C�arag�apt�'�.�if S�.�Can tl�U'uh�!s An lnsur�i and M� � � Nam�d lnsured s�o�fun in t}re C7ecEaratic���s,and�€�y ather pers�r,c�r "errtplr�yee"�t�ht�nz�c(by y�ru to gnte�r r�cr�i��e n�#ice ! j �rganizatian qualifyin��s a Riam�d Insur�d un�#�r�his po[i�y, The e�t an "'Q�currer�c�" or cC�i€n, kt�e�rr that th� "br�d€1}� i 4 words '�n�", "us" a�d "au�" refe�to th�c�mpany pr�vidlr�g this 'sr,jury"ot"pi�c�p�rty dam�ge"had�ccurr�dr ir w�hul�or } ' �nsurarice: in ��t. I� su.h � �i�ffed insured �r auth�srized � � The�vard"insu��ci"rrr�.ansany�erssan ororgar�3zation qu�3ifyinc�as "em#�rye�" 1���r, pr�ar ta fihe p��icy �riad,th�t��� � �1 sueh ur�tier S�cti�n Il-�o I�An Ir�sured. "bodily [njur�` �r"prapeety �ar���e" occ�rr�d, th�n � ar;y cot�tlnuaki�n �h�r�g� car rtesump�ac�n o� sucn { C�her a�a�rds anc� p?�ras�s tYrat�pce�r Ir� quatat'scan maiks have , ' U i? speciai meaning.Refert��ee�Cic�r�1d�fini#i�r�s. "bod'€ly in�ury` �r'"praperty darrsage during c��afiterth� i� pc}1i�y perica�l �ll be deet�ed to�av� b�n kn��.�n ' ���71��d�»�tSV��AE^s�S pxic�t�t��pnEicy p�r>a�i. ° � CQ1��Ata��-�t�C?iLS�t�JUS�'Y A�L��'�t1��R""f"Y' �, "�adi�y inj�a�"�r,�prt�p��'ty damag�"w�Ech orcu�durirc� � I�AI�1�,���0�18��.1"3"Y' the policy�riod ar�ci w�ra�nc�t,pr'sor t�the pc�licy�r(€�d, a �. Irts�rir�g,�gre�rr��� �no�t�n ta h��a �ccur��d b� any ir�surec# 1Este� und�r ` ,I, @ara�ra�h 9. oi 5��cti�n I( —'J� #�An Insure� ar ar�y = �, �will pay thflse sums t�afi tk�e tl�sureci tr�es l��allyr "�rnploy��"ac�thr�sEzed l�v you�glue o�rec�ive natice c�� _ �E�IEg�#ed to�y as d�mac�es�r�cause c�i"b�dily E�sJury'��tr �� an �c�urr�nce" or claim, �ncludes �y cz��t`snuati�r�, s "pnypesfi,��tarrs�g�"to�n,��t€ct�this insue�ane�appties,�wi11 �h��ge�r�e�urr�p�c�t��r"t�€at"E��ily injury" or"prop�t�y f � t�a�ra th�r'�ht an�4��tu ti�ct�f�er�th�insured agairr�ari� � "s�rit"see�ir�g those damaaes. Hc�v��ev�r,�i��v�1il1 Y�ave nv dacnage af��rth�end�f the pelicy�rz�i�. � ` duEy tc� d�feru� th� insure� a�ainst any "suit"` se�lan� �� "8c�diEy in,�ur�'"or"�rnper�v damage" �til( lae d�n'ted t� ; � dam #�r"��di1 it�,u or" ra e dama �"to�hicf� have �n kno��rr td have a�curr�d at �e e�rEEest time C Y � �'" P P �3` 9 ` I; tt�is'insaranc�does h�t aP�alY•Vb�ma�,at c�ur diseretion, :��e�any ir�sured i1st�ur�d�r�r��r�ph'�.����on li— , inv�st'sc�ate arty"qccurr�r€��"`and s�k(�any c3aim �r's�it" ��3s�n lnsured or any aemploys�"autho�i��d kay yau ta ; th�fi may r�sulC.But: giv�€���ceiv�r�catic�c���n°c�cc�arrenc.��c�r cfaim: I � {'�) TI?� amount v�e S�ril( p�y f€��d�r,tat��s is limited as {'�� ��Ia�tYs �11, �r ar�� �a�, c�f the "t�d[�y injut}+" ur � �� �escrib�d in�ctican 1[1-�:imits 4�Insur�rce;and "'���p��y�amage"t�us ar any atFaes�lr�surer � ; � Re�eiv�� � v�en �r ve!�aI d�tnand or c€aim f�� � � {�} (?ur right�nd duYy��defer��endsi��hen c�hav�used '� � i c:�t�e a�plica�(e Eim�of insurance[n fhe p�y€nent of d�mac��s becauss�c�th�e"bo�ily ir�juty" c�r"prc��eriy � � ju�fg�ents or�ttlem�r,ts�nd�r Govera�es A e�r B ar dama�e';c�r � med�l e�}aenses under G�v�rage G. (8} Become� av�ar� by �tiy oth�c m�ans �hat "bodEly � � �J�i�t�;er�biigatlor�ar(lala�City to pay suEns ar��#arm a�ts i�J�ry,. or ''�rt�perty d�mag�`� has �ccuEr� or has � , or�er�ic�s is cavete�i unE�ss�xplicitly pr€�vided fcsr under beciun to c�ce;.�r. , u tet ; Suppl�r��ntary i�aymer�ts-�vera�es A ar��E�. �. G"�mages becaus� af "kmdily inj�ry" inc1��#e dama�es ; b, ThCs Irs�ur�nr� appii�s ta "bodily snjury" ar�cf "�ro�e�y clairned by any �e�crn 4r crganizati�n for care, (oss�af ; daenage"c�nly i#: � s�rvices or d�at3� r�sutting at any t€m�from th�"�aoctily � '[ The"bod`€1 ;n u or" r� dama �"is caus�d b i����'�'. ( } Y i J �l" � I��Y � Y an "o�cc�rr�nce° �hat �akes p3ac� 1r; the '"�ower�ge � terr'stnry", t s � � � CG 00 f�� 0413 � lt�suranc�5�rdices C3�fice, Inc.,�C3'i� �ege� oi�� ; i i � E3 I f € � � � � � � 2. �Xclusic�ns "fhis exclusi�an a��fies e�en i� �h� cialms a�air,st any � � �' lnsurec�a�i�g�negEig�nce�r oth�r��ngdc�ing in: ; '�hEs Insuranc�d�es nc�t�pply to; ; �a� T�� su��risior�, hirinc�, ei�p�oym�nt, trdinin� o� 4 �. ����#�d�r 1nt�rt��d Injc�ry � Il"fpCit�QTiC3�L��Q�h�(S�?�f C�lr�II�SUtE:f�;t�l` # i "`&�dEly Injury„or"pr�perty dam�c�e"ex�seet�d nr i�t�nd�i i ; from thes�andpaint�f th�ir�sured.l"hi��xclu�i�n does nnt ��} �'rouiding c�r fafling ta provid�#Ean���taEion�rnth I r�s��ct �� any persnn tnat m�y ka� un�er the � �pp(y #c� °bodily ir�j�ary" re��tlk3r�g from th� use �P I reasonaE�C�for��t€�prt�tect p�rs�rts Qr prrsp�rty. influence af a1ccE�1. � � b, �c�r�tr�c��tal�.iat�i�ity i� th� ac��c�rr�nce" y��hi��i �c�sed t;te "b�dily Enjuy'� c�r s ; `�prc�p�r�y damage", inrclve� that v�hich #s d��ri�d in i "�a�ily in��sy"or'"prc���rty dam�ge"�ar�t�Irh the insur�d Para��aPh("1�, (2J or(��a�ove. � a is o�lig�t�ci�a�ay�ar�a�es by reasn��sFth�assum�ia:�r Howeu�r, thi� �c1€asian ap��ie� c�nly i� yau are in �Se � c�f l�bilifiy it��cc�ntr�t��r agreem�ri�Thfis�x�lusi�rt da�s business of r��nufaeiu�ing,dist�b�ting,selling,serv;n�crr � nat ap�aly ta liabll:�y fnr dama,ces. + fiur�lshln� alcc�h�lzc b�verac�es. �a�fihe pur�os�s of tk�is I �'1} Thatt th� insured ��Id ha�e in the�k;�enc��P the ��c�us€�n, permitting a p�rsc�n t� �rlr�g aicoh�lic { con�ract or a�reem�nt;c�r k�everages c�n y�itr premi�, for con�umptiQr� �;� yaur i �. ��} Asst�med Ira a car�itraet c�� ��re�ment �f�a� s� �� p�rri3�es, �vtsetE�er t�r not�f�is ch�Cged or�license is � � `tnsurec# contract", prcr�'sd�d ths "bc�di(y in�ury" �r r�c�uis�d for such ac�i�zity, is��t by its�lf cc�n�ider� the j '"prn�tty dam�e" t��curs suE�s�qu�nt to tit� busir��s� �af seillne�, s�rvzng �r furn]sh€ng �1�oha1�� , I �eGuti�n t��the canfra�t���e�r�em�nt Sc�l��y fi�r�e b�ver��es. � purp�s�s�f Iiabiltty ass�rrsed�n�n°Ir�sured ccsnt3a�"= d. l�t��k�t's`�t�rr�pe�sat[e��Artd�it'nll,�t���s i � �a��nab� attc�rne�s` fe�s �nd n sary li�ic��ie=n �ry �krlig�t�n o€ fhe in��tr�d �n��r � wo�ks' � G ex�rts� i��urr�� �y t�r ft�t � pa�y' athar thar� ar� 8 i�rsttr�� are deerr�ed tr� t�a damag� ��e�us� cf campp�ctsation, disapility k�n��#ts or unemplc�ymer�t e � � "badily i�jur+�"or"peo�rf�r��m are",pi c�vid�d: c�mpens�ti�an�avd or any simiCar la�n+ € ��� La`�hility t4 such }��Y far, crr fc�r tl�e cc�s��e;t�at e. �3�'sp�t���T"S 1_i��sil�i � � �arty's de��n� has alsc� b�en assutnet� its th� '"�odit�injury"ro: � ;7 �me"insure��rre�fr°act";arx� (�9� �"`�mpEcty�e"af the ir�s�ared�risin�c�ut t�f a�,d�n the � 'j� {�� �u�h ai�omev�`f�s and li�igatiors ext�rs�ar� c�����: I � ' for �i�*ense ra� thaE p�rty ar�ainst a c.viE c�r ��} �mp,c��+ment by the i€�sur�d,�r � ' �I#�rr:��i�e dis�ut��esc�luti�n prc�cc�eding in�ic� ! � d-ar��ges to a�Y�ich t'w:i� insu�ar��� �ppt:es are ��} F'�rf�rm�ng d��ti�s rot��ed tt� fi�e cc�ndu�t c�f t�e � � �lle��d, IC1SCtt'�deS bUSiC1�5,U�` ; � �, LE+��IO�'L.���ii��t (2� The spcause, �hikd, paY�r�; brnther c,r sister�f�€�at ' � u�rn�#c�y�e" as a canse�u�nce �fi l�ar�g�ph {`�� i ��d�l�Injury'��r"�rc�p�riy damag�°��r wl�ich�n�E�[sur�d ��v$, i � may be held Ilahl�by re�s�ti cf: � 7'hi�e;�clusl�r�a�pll�s v�he�her the insus�t�ay b�Eiable � � {'1} �ausin� ar cor�ributinr tp the i�taxtc�tion t�: ar_y �s an �m�ai�yer t�r in ari�r rather �a�a�ity �nd to any � �� pe�son; c�bligafCan ta sha����tnages;,�th �r r��ay sc�i�ec�ne e(s� � J (�� "�`t�e f�arnishir�g o� a(coholic laeverag�s tc � �rs�s�: �rr1'a�m�st p�yd�ma�es�aus�caf the inj�try. � ,� ur�cf�r�the I�gal dT(raKin�age�r und�r th�it�fluen�cf �i���lusian d�es nat app€y to Ilability �s��m�d by ttie � � �(coh�l;nr , insured u�der an"ins�red ccxntract"_ 3 ' {�� .4rty stafiut�, nr�ina�ce tar regulafiic�n r�lating t� the ? � sat�,g'rFt,distrib�tion ar use bF alc�h�€ic iaevera��s. ; � t a � ' � � E . r� ,�,,�. � P���2 c�f 16 � Insur�nce��rvices t�tfic�,lnc:,�s?�� C� 4C}01 U�13 ; � ' a � � � $ � � i � } k � � f. P�r11�1tiCaC1 (t�} At c�r fro�n any premises, sit��r E�tic,n c�n v�ihlch � � ('�} "B��ily In}ury'�o�"prap�r�y d�mage"�rtsing out ofi�h� any finsured�r any c��ttra�tcs�s t�r sut�antr��c�rs � actu�l; a([eget9 ar threat�ne�# discha�g�, �i�sp�rsa[, warkin� c�ir��kl� ar indir��t{y on �rty ins�tred`s j seepac�e;rni�rati€�n,r��ase ar escap��f"pvllut�nt�": b�ha[f are �r��rmin� �sperr�ti�sns iP the j ��} At�r fmm any premises,stte ar iacatlon�rvhlch is "p�1it��ar�ts"ar��r�u�ht an c�r#��h��r�mises,si�� � ° c�r v�,�as at any ticne �v�ned crr ac�upied by, ar �r�ocatio�in e,i��nection�rith siach csperatinn�by � � sUch lnsu��ci, ca��t�r�r or su��infta�tor, r�n�ec!�r lo�n�d tc�, any insured, Howr�ver, fihis �#owever,tlii�subpa�t��aph dc��s n�t appl��� � � suf�paragraph does rca�apply t�a; � � {i} "F3od!!y in�ury.° e�r"�eaperty d�r�age'" �rising � � �1� "�e�dily inju�iH i�su��ir�ed vvithln`a bullding c�ut cf the�sr.�pe c�f fuels,f�ak�ric�s or c��h�r € � � �� �n��aus�d by smok�,fusnes,+rapor or ssc�cxt o��ting filuids�rhi�h ar�n��c3ezi ta p�r€�rm ' � pr�duc�d �y or�rigi�sating frc��i et��ipr��nfi the ncrmaE elec�r�cal, hydr�ulic�r tnechanicc�l � ; that i� tsste's fia heat, cc��l c�r����umidify the furi�ic��rs necessary �r the caperaticrn c�s +' � bu#Idin�, c�c�qui�m�nt�at is us�t# to heat °���i�e ec�ulprr�ent"c�r�fs�a�ts,if su4h fu�1s, i v��at�r fi�r pers��al use, #�' t�� k�uilcting"s (�af�r]�ants or other c,pe�tin� ftuids e�cap� ; occuparits�r�eirguests; # ` firt��n a ue�iicle part desig�see�to lio3�l,store or � {Ia� "[��dil�inj�€y"c�r"pr��erty ciamage"'f�r�fiich rec�ive tl��m,'T#7is ex�eptior�daes n�w ap�Ey if � y�u m�y�e E�e(d E€�bfe, ifi yc�u ar�a cx�rr�r�ctoc �he�"'b�di�u ir���,y"or"praperty�am���"�r�s�s 4 an� th� Q�+nar ar Ces�� of such pc�;nis�s, out oi z�r�in�ntion�(disch�rg�, dis ( car � ��Ee ar facatiQn has b�ac�ded ta}+�ur pc�#'scy release �af t�� Yuels, lubri��rrts or �h�r � � ���n�dditional insured v�lth resp��t ta�aur c���ratEnc�fi'ui�s,�zr�fi such fuef�;lu"�ri�ari�or j � c�ri�e��g �p�€�4ic�ns per��rrn�d fc�r th€at ath�r o�rating�u#ds are k�ru�ught cr��ir tz�th� � � addi�lt�n�I €r�sured at th�t p��mis�s; sit� br pr�rr�ises, sit2 c,r lacati�rr�n+Eth th�(rrterct t�at s lo�tic�n and such�r�mis�s,s�!�a�lci�atic�n is th�y be discharg�d, dis or released as � � n�t ar�d ne°deru�;�s csv�tr�d�r�c�up's�d b�, �r part c���I�e operatl�ns �€ng �r�trrraed �,y � �. ren�ed ar Ecaned�o, any ir�surf:d; �ttter than sG�h lnss�red,contract�rorstab�antr�ct�t; ; r thafi�dditional insur�cl,or (�i� �°g�E(� �����y°� �� '�p�p��;Y darna��' _ {iB4} "BndiCy injury" �r "pr��rky datnag�" �rlsing sust�in�d�vithin a buiEci�ng ae;d c��[����y the ' i �ut of h�, sa�c�ke et#umes fr�m a"hasti(e r�le�s� afi c�ases, futrr�s �r ���rs frcm � fire"; inateri�l� brou jht intcr th�t �t�31d1t�g in ! i � (!a} A#or fr�m�ny prer�i�s,sit�rar lo�atiors�uh1�h Is conne�ti��!�r���pe�rations h�iri� petfarm�d � by ycr�€ar on��ur�ehalf�y��r�t�act�r ar t or vv�s�t ar�y t�me u� �}csr f+�r�ny Insur�d ar s�kzcont�actar,�r ' o�h�rs far the har�dlirz�, �tctraga� uis�sa3, � �c�c��ingortra�tment�f��ras�e; {i��� "B�dily [njt�ry" �r"pro��Y darnage" ar�sir�� � ; t�ut�sf h�at, srrteke c�r�.tm�s�rom � "hostil� � �C� U�f't���1 �#'� GF t'121'� �� �3'1;1 tltl3f.? �3dC1S�}QCC�, c a han�il�d, skc�r�d, t�eated, dks���c# �1, or ��`�' i � proc�sec{asv�tast�by ar fr�r (�} At or frc�rn ary pr��nlses,sit�or laeation an which � a ��� ,Any in��rec3,�r any`tns�ced�r any contractc>�s�r subcan�ra�tor� � ? vwc�rk;ng �is�iy or indirectly c�n any i��ured`s � �I ([i� Rny �e�s�n �r �rganizatic�n f�r �F�€�sr� ycair bet��lfi are perf�rm�ng t�peratE�t�s if tE���peratio�s I � m�y b�legaily res�rt�ible;c,r ar�t�t��or,m�ni��r;c3ean up,rem�ue,eanfiain, � t��at,d�taxif}r ar ne�tra[`€ze,car in any��ay�sp�and � to,or assess the effee�.s t�f„„pcillui�nfs", I f f 3 � �} t ! ; t f fi � k � � � �G OCl�1 ��#13 � Ensuranc�Servicas C�fficex[nc., �0'1� P�ge 3 ar 16 � � � ; � I $ d � � t � ; 3 � � i (2� any lass,cost or�x,��n��rising crut of ar�y: {�} "&�d'€1y injury"ar"pr�p�rty c�a;na��"�rising ac�t c��: � , �a� Reqc�est,de�anti,ord�r ar st�at�r�or�ar r�gufa��ry {�� Tne�per�ti�sn c�f t��chinery ar eyu'rpm�nt that i� re�uirement that ar�y insur�d ar t�th�rs test fc�r„ altat��d fio,+ar�ar�of,a��nd vehicl�:tttat v�ui�t ` � mvnitc�r,elean up,ret�io�e,cc��ain, d��ify �{u�lify ur�[erth�de�in(tion of°mo�il��qu'sprn�nt" c�r neutra(Iz�;or in�ny�ray�es�:t>nd tr,or assess iF it v���e nc�t sub�ect t����m�.tlsary or�inar�ci�l � t[�s effe�ts c�f,"pt�li�a�at�is';ar res�nslbility lavv or esth�r m4tc�rvehlc3e�nsur�nc�; { {b� Cl�i[� c�s surt�y c�r on b�h��l�t�f a governmer�t�� lavrwh�r�;t is Gc�nsed or�inci�+ally c�aeager#;c�r i k auth�rity far �am�gg� b�cause trf teskir� fcr, �b� The aperation o# ar�yf of the �'nachin�ry or � i� rnanitor�ng, cleaning up, r�mnutrg, curr�aining, equ3�ment fis�ed In E�arac�raph f.{2� �r f.��� �� ; � tre�t�n�,tiettaxiPx�irg�r n��tra(izing,c�r in any v�ay th�defiinrtion c�€"'mobile�c{tii�rn�n�'. i , resp�a�d�ng t�, r�r ass�ssing the �f�t� ��, h. (Vl[��Sil� �quip€�nt ` "palfuta�ts". j "Bo�iily�r�jury"c+r"�art�per�y darna�e"ar��ing c��af; � : Mov��r�r,thl�p�r��ra�h d�es nc�t apply to 11af�ilify�ar � G dar��g�s b�ca�zs� of "pr��rCy dam�g�" that �� (1) "��e t�ans�rortatian of"rn�abile equ9pm�r�t"by an"autc�" � � insured�roul�hav� in th�ak;s�nce of such request, �ed or�p�rated �y or r�nt�d �r loan�d tv an� � ; de;t��ncf,�rdet or statutc�r�c�r r�e�saEakc�r�+ t�uir�merrt; lnsus`e�i,�r ; � or s��h cl�1�tt or "suit'" bx,r or c�n behai� �f a ��} '��e us�tzf"ma�sile e��aipmertt'"Ir,vr�rhil�!n prae�.ice ' i gcavemcnerrtal authc�rity. far; c�t v�nil� being pcepar�ti fcr, a�ty pre�rran�e� ; � s�. A�c�t'�,Alit��?r 1�{��ercr�� r��inc�,s�e�d,dernoii��n,arsturifi3��actnai�y. i. l�l�r i � „B�d'tl� �r��ury" or �c�r�p�rty c�amags'" ari�in� �ut o;�the J r�t��rt�rshtp, m�int�nanc�, use€�r etttr�s�m�nt to otl��rs�f '�Bc�dily inj�ar}�'" �r "pt�perty dama��", hew�v�r cau�d, � �Cl�f r�(i'�:E"c��, ,�2i.iitJ"Q�t���CCCe�f�t?�N114d OC t1�5�`f���'s�b�f Q3' BtISli:{�,€�ICBC$C f t3fi�Pi`�IC�t;���,Q!f�A�: rent�i �r ician�� ta �ny lnsur�cl. �ls� €nclude�c��rats�n j and"la�din��r unlc�adtng". �"�} VVar,In�3uding untlee�ar�d�r�ivil�ar, � �'�� CIt�iB �G�I4'til�?�f r'�ITt(1ltc�ij+'�Q!'�; �31CICK�Itl4�'�CXIt�Y� 1�'t � I `T'h;s �xc3usi�n a�plies �veri 1� �e �c�ims a��irist arty I, insur�d aif�g� ��y(ig¢;�� �r c�ther v�rorigdo�nc� in t�te h�r�d�(nc�or defendir�g ��ains�ar��taai�r���ed �tta�k, by any governm�ne, �s�����i�n e�r ather I ; su�ervts�vn,hirl�g,et�ploymer�t;tcairsir�r�cr ttranit�rin�t�f i � �y� p p author�ty�sinc�mil�t�ry pe�s�nnel�c c��ier ac��nts;�r �}�1�ers'�y�t��t�r}sur�d, tf Fhe'bccurren�" ��+h(ch�aus� � 3 ` the "�ad3ly in;Gry° �r "�r�}�erty d�nag�� invaCv�d th� {'�� Ir;sarr�~t��n, �ta�El;ran, rev�lu#ian, usur�# ��v��; r�r � s��+ne�s}�ip, �aint�nan�e,us�c�r erttru�tm�nt ta ath�r�a� acti�rt taken k�y gc�vemmer��{act�h�sit�f in h�r�ci�ring or : i; any��r�ft, "aut�"�r�:�teruraft tli�k[����rt��or opera�ed �efending��air�st�ny�€th�se, : '� ��ar r�r�ted or faar�ed t�i any ir���r�i. j. ����e Tc�F't'+�pe1'� � i"��s���lusic�n dc�es nc�t a I ta; k F�p Y ,�F�'ti�rfy dair��g�"to; E ; {1} A w�t�rcr�tit ����ile ashar�art �rem�es you o��n or {�} �roperty yc�u�v>rn,ren�,��occupY,tn����ing anycosts ° i ���; or ex}�:n�s incurre� by ycau, c�r eny ott�er p��sart, � u {�� Av�t�r�ratt�Qu��r�c�t a�nin fhaf is; org�niz�l�n a!� �r�t�ty, �or re�air, replacemenfi, � enhanc�ment, r�st�ra�in� ar rna�r�t�nan� a� such � {�} Less than�6 f�et�ng;and i '� prap�rh;�far any re�s�n,t`ncludir�g preVen#ion o�injury ; i (b� 1�3�t beinc�us�d t�car�y per��ns ar prap�rty f�r a to a�ersan�rr d�mac�e�a another`s}arol���, ; � ch�rge; �2) Pr�mise� y�� se(1, gi�e aw�� €�� �kranc�on, t� th� � � (3� Fbarkir�g an"a�tt�"r�n,nrc�n fh�w�ys ne�t�,p��nis�±s "prc�perky da�nage° ar�s�s �ut of ary park of th�se y�aU a��r�or tnnt, provided the"at.�o"is nct c�t�r€ed by pr�r,tis�s; �r rented or Ic��n�ct t�you r�r tC�e insured; {�� F'roparty ioanec�t+�you, {4} Giabl�iry assumed uncier any"[nsure�i c�r�raee'for th� ; owr,ership; mainten�nc� or u� �f aircrafk or � �ratercraft;c�r � � € x � k : Page 4�f 1 S C� Insuranc��ervic�s Offce,In�.,'�Q12 �� Cl{7 a1 D4 �3 � � ` � a � � � € � t { d � � � {�t) Pars�nal pr��t�,�in the car�,c�rstt�dy t�r��ttrol�f t�e 't'his�clusic�n�i€�es nat apply�a t�e Ir�ss c�f use oP�ther ` � x in��ared; pr�perty arising ���f suddert a�d acclder�t�� physPcal � j it�jr�ry tc�"`yc�ur�rc�du�°'or"yotar�r�rk"*after�t has kr�en put ; ,� {�} 'TCrat�artic�rt�r par�c�f r�l preap�r�y �n whlc�r you ar tca i�s intended���. 4 � �ny c�ntractors�r subce�nir�ctnrs w�arkirrg c�ire�tly �r # a irtdir�ctly�n y�ur�nal�ar���rfarr�ing op�r�lo�rs.i� tt. Re��IC C�f F�r€�dUc�s,Wt�rk�r lir��ir�d � i the°prope�ty d�m��e`a�ises c�ut of t�rose aper�tians, 1��'���3`t�t i i �r [�mages ciatmed fc�r ar�y lo�;c�st nr�r,�s�nse 9n�urr�� � {�� That patti���ar part �f any �r�perty that rrsust k� �Y You c�r catl�rers far the loss of u�, withdrau�aaE; r��<alE, ' au r�csr�; �}��red oc re�lacec� �eca�as� "'y�ur vvc�r�' inspectian, r��air, rep(ac�me�, aci�ustm�nk; re€�t�va[ �r = � �ras�rrce�rr��ly�aer�t�cmed an it. di�persal of: � � s � F'aragraphs {'I�, �3� and �4} �f this �xctt�s€nn da not {"�� "�'��rprc�duct", � � appEy ta°prc�p��y damage"`{oth�rtl�a�d��age by fire}t� ��� "Yatarwark°4r ' � �Srem'€ses, Inciuc�ing the�n�ents of such pr�mi�es,r�nted � :� t��u fc�r a p���4d of��n or f��ver�c�n�eu�ive����s.,4 {�� "'Impai€��prop�cty'�; � �) s��!ar�te lixnit o� insuran�e appEles t� i�ai�age `i"o if su�h product,�tork,crr�r�rpeet}��s�rifih�r�vrt i�r r�called E P��mi�s l�ent�d To You a� �esc�ib�c3 �n �ct��n !t� — �r�rn the r�ark�t�r fr�m use by any p�r�4n csr�rg�ni���ion � Lirnits{�f 3ns�€rar�ce, Use of a kno�re� c�r suspe�t�d deP�t, d��icie:�cy; � I 'tn�d�quau�or danc�erc>us condit��a fn it. F�ragra�P� {2� �f th(s e��us��sn d�es not appl+{ #� th� ! �� pr�mis�ar�"yourv�rcark"andtr�ero n�verpccupiecf,r�;rrted t�. Pe[sc�na��#�c�Ad�t��isit�g InjUr�" � � ar h�Ecs'�c�r r�rita�b}�yau. "8c�dily In�ury" a�Ising �ut o� "pers�n�i �nd ���rertisirig � � �a�grap€�s ��}, ��}, (5� ar�� {�} ��t�ris exc�us�c�n dc� in�u�y". � � r�at appl� ta Ci�bility asscrm� ut��� � sidef�aek p. �1��€��ie��ta � ° �gc�err��rrt; � � �m�ges��is��c�aut of tha Icss cf,�ss�f use nf,damac�e � . F'�ragra�h {�) of this �xcCusi�n dcs� not ap}�iy 'ti� tr�, c�rrupfii�ri r�f, in�k�ility tcr �ecess, c�r inabi(it� tc� r "property d�mag�" 9r�clu�e� in th� "�r��ucts-�€�r���et�d m�r�i�ulat��lec�ror�i��afa. ; � oper�ti�n�hazarcE". ' � F[��v�r t�Es �xc3usion d�es n�t �p�[y tt� Ila;�iCi�y for � i �. t7ac�a��1"c�Yc�ur F�r��3u� ' : � d�m�c��s��aus�r�f"�o�ify injury". � "F�op�rty�iamac��"ta"y�ur�r�uct"arising autcaf it c�r ar�y � � � �s us�d in thts �elt�sion, electrt�nic data means = pa:��#iC, infc�rmati�n,facts c�r prag�a�ns s#c�red as�r crn,creat�ci�r ; I, C?��g�'�`ct'�`t��tr'U�1ork u�e�i anf c�r �r�rrs�r�it�ted to �r f��m cam���r ��ft�ar�, � � "Pccapersy d�mac�e,��o�•your�nro�k° �rising t�ut af it 6r at�y indudint� �yst�ms and a��lsca�i�ns st�ft4n�are, hard c�r � patt t�f it ar�d inc]uc�e� in the ;�}�rc�dt:�s-ct�rrrpi�ttt� f1��pY til���s, GL�-RflG,1s, E��s, driv�:s, c�CEs, d�#� i ;i �p�ra*€�n��r��3,� pro�essin� c�vl�s �sr any oth�t r��cfia which �r� us�d � � �vv�th el�etr�n��11y coz�tEc�lied�ulpr�e�Y. E � Tf��s 2xelusirsrt�c�ss not ap�ly if the dam�ed 5�rark�r the � I wc�rk au#r�f�uhich#he damage orises vv��r�c�m~�ed on �� ��'cordirl��ct C}�tribufiian�}f l��terr�l Ot � j � � [r�€c+rrr�tia� En�c�lation t7f Lavv � � �� your behalf E��t a su�ntractc,r, ;� �€. 1��€t�g�Tt�Idri�����:d��'op�t'�y�?�'6�t't��#��y "�otilly injuty�� or "�aropett}� cf�mag�" arisl�ig directly or I � Nc�t F']��s9��.1l�'Ir��u�'ed ind[r�ctly �ut c�f any acti��ar�m�ss€on th�t v1�lates cx is i ,� �Il�g�d tCk ViQlatt: � "Proper�y dar��ge"tcs"1mpa�r�� pr�a�s�rty"or pr���r�y t�at �1� The Tcl�phon� Gor�sum�r Pt�ot��tion A�t {T�P�, � has nc�t#��ti�hysical(y injur�},arising c�ut c�f; # inclr�ding any amendment c�€or additian t�sueh Eaw; ��) A d�f�ct, c�eficiency, �nadeq�ary or danc�erous ��� The G�Iv-SPAM �t �f �C)t)3, ir��l�ding any s conditCnn in'"yc�ur procluct`ar'yc�ue vuc�rk";or ��n�ment of�e acidition to such ia4v; � {�} fi delay ar#al#urA b�� ynu�r ar�yc�ne a�fing csr� y�Ltr � �i�haEf ta �erfo�m a contract vr ac�r�er��nt in (3} 7he �air Gred�t Reparting P�Y {FCF�A), and any � accordanc��reitl�its t�rms, ame�dmenk af�e additian t��t�eh law, ineluding ttae , �Er�nd�cccur�te creditTrat�sactic�ns�t��AC1',4);or � i s t ; � 1 � � � r GG OQ O'E {?4"!3 �} 3nsur�n����rric�s f��fice,1n�.;20"l2 �"�c�e 5 ofi'!�i $ � � � � � � # � � � � � � (4� Arry f�dezat, s�te or la�al �t�tut�, c��finance or �. �3�clusittt�� � � � r�uEati�n, at�ee than�he TGP1� �P�1 firt c�f �ris Insuran�da�n�t app!y ta: j ? ° �OQ3 r�r FGRA a�d��ai amendmet�#s�n€i additian�, � �, Knt�win t/i�slaf�on C�f Ri hts���nc��her � �hat �ddres�es, p�oE�9�its, ar limi�s �h� pri�tint�, � � � dissemE��tl�an, disposal, ��Ii�etin�, r�eording, "'F�rsse�rs�l artt� advertising �njury" causeci �y �r at the � '� s�nding, transmi�tinc�, c,�mmunicating �r d'€stri�u�9c�n directl�r� �t the insured�vith the knowl�dge that the�ct i � c��m�k�riak ar infarm�tt�nn. t+�auld �rio(�t� the r��l�ts �fi another and �uld inflict � � �clu�3ons C.tf�r�ugh Ct. �a n�t�}api�{t�damage �y fi�t4 ,�����I an�adv�;rtisi�g in�u€�'". � �remi�es�rhila rente�ta you vr t���rarilt,��sccupied �y yc�� t�. I�l�#�ri�l i��bli�hed�tVith�nc�vuE�d���� � i vuikh �rmission of t�� ���rner. A sep�eat� 13mit �fi Ins��rance ����i�� � � app[ies ta th�s c�vert�e�s descrikae� in��tlon I�I�..imits CF � � I�st�ranee. "P�rs�naE �s�l �dvert€sing inju�" arisir�� �ut caf ��� or i il writt�n p�blic�ti�n, in any manner,of rr�at�rial,if don�by � � �t�!l�E�Ca��-��f�St)3��..���}RAV�3�TI�ING ar at the di��ion of the �n�ured writh Ic�-�ow2edge o��C� � � I�iJ�RY Lt1��1�1"F'Y fal��ty: � �. I���rir��Age��men� �. Mat�ri�1 P�k�lishe��ric�r'�o I�c�licy f'�rio�! � � a, �dill p�y�I�c�s�st��st��t�F,�ir�sure�!k��cam�s#eg�lly uF�rsanal and aduertis€n� En�uty"' �risin� out �if t��al or � a �k�iic��ted tc� pay as dari�ages b�c�use t�f��p��se��ai and wmltte�t pubtica#ion,i�t any rr�anner,af�a��rlal�+hrse fir�t ; I acflr�rtising ir�jury'��c�which thi�insu€�nc�a�s�ll�s.Ul��+il( pubCic�k�e�n ta�k pEace l��fore the begir�nir��a�kh��1icy 3 h��e th�ri�'rtt�r��duty�:�cfef�nd th�€n�ur�d a�a��st�ny p�ri�zd. � � „�uik"s�eking ti�se darria��s. H v�r,�rde wrif! ttave€�c� � , d. �'`rriCt�lT'��1�$�fi� • � duty fio a���c# tha insure� �a�nst arr,y "sult° s��klrig � damac��f�r"paasanal ar��aau�rfi�lr��Irrj��y"to�I�Ich�his "I�r�c��ai and adver�ising inj��"��i�ir��puk nf a crimin�l i�t��rraac� d�s nc�t a�ply. V4� m�y, at �ur t�i�rekk�n, �c�cot�m�tt�d by c�r�t t��dii�:,�n���h�ins�i�ed; � � i�v�stx�ate any cxEfer,�and s�ttle any clairrs t�r"�u3t"that �. �at�tr�t�t��l L��tb[�i#�t � � m�y�esu6k.�uk ;,F'er�ana(a�ci adv�r�asing injury"f�r�hlch the insured has � � {�� Th� ama�nt,��wii# pay fc�r�I�ma��s Is Ilr�ited as �ssurn�d Ei�b111ty in a e�ntract �r ��r�rr7�rrt. This � ,' d Cibed in�ction 111-�imi�C�Ir��ur�rt�e;an�I �ciusiori daes n�t apjaly tb C�abiEity f��`�iama�e�th�r the � ' {2} t��t�ric�h�an�t d�rty t�c�€end erd�n�Frer�v�hav�us�1 insur�d vv�ulci �,t� in t�t� a�n�� t�� th� car�r�ct or �p tt�e��p]icabi� fisn€t�f i�s�trsn��in fhe p�ym�nt Qf agr�ment. � ! judc�s�ents c�r s��lemer�ts�rrd�r��v�rages��c�c�c f. �r�a�Y��?����itr`��t � m�l�al ex�ns�:s under Gov�rag�C, � '°Pe�son�l and a��ertising inj�r�ari�inc�aufi af a br�ch�f i I�1�o#h�robli�ataz�n c�r liabillty��p�y sums ac�rft�rm a�s ccir�trat�, �xce� an irn�1=�i ��ir�ttaet �r� us� a�vfher's ` �r�ervices is�v�r�d unless�x�l€�atEy prarric�c�far under ��Iverti�Ing�ctea in yc�ur"adve�r��nt". ? �applem�ntary 1�ayrr�enis-�ove€��ges�ane€�, � g. €�u�ii�y C�r P�rf�rmance U�'��c�ds-�ailur� �+. This irtsurar�ce ap�rlies#�"p�rs�nal anc�adv�rtisEng injuty" To C4��c�C��"�S�te€t�r�t� i c�used by ar���€�nse aris�ng�ut of yc�u��u�in�ss�u't only 9 ,:, if tC�e ertf�trse wa� cammit�e�f in th� "cov�ra�j� ��it�ry" "Persona� �nd adve€�isin� injury„�rlsin� out�f the failure � �urinc�th��oiicy�etic�d. of gc�od�, prc�du�s or se�vic.�s tc� c�znf�rm v,r�h any � s�at�ment. af qu�.iiy or �rForm�rr�e made in �{our � j "adve�tisem�nt". ; � � ', �1. 1�1F'Ofi� ��SCI"1�t1�kC��f P1`IGB� "P�rsan�l ar;d advertis�r�g�njury" arisinc��ut cf th�v�r�n� d€sc�i�r�i�rt �f the price cf �noc€�, praclucts ar s�;tvic�� € , st�ted l�yc�u�"a�ver�is�ment". i I 1 1 i # i ' � I i I � � ' 4 } ¢ � 3 Paf,�B�c}€i�s t� �r45ur�isG�ServEG@�Q�i��,fYtC.����� GG QtI C�1 C1�1�93 j � I i $ � � � � � � f � � � �. Enfr'sngem�nt tJf Cc��syri�ht, Pa��nt, r�. Pr�llutivrt-rel�t�d � 9 ; �'radeertark�r'Fract��ectet f � e�n,�lo�,cosk�r�x�err�arisirrr��ut c�any: ; „Pe�sc�nal �ncf adtfertlsing inju�y� aeis[ng c�uf afi t�r� �°�� �e�u�st, der�ant�, �rder or �a�ut�rry �r r�c��Eatar}r � infring�m�nt of�pyr`rgh�, paf�nt,trac3e�nark,tra��s�cr�t requirerr�ent t�at any ir�sured a� crt�?ers i�st fcrr, �r ot�rer inteli�c�u�E pr�perty�i�hts. Ur�der this e�lusic�n, i � t��nit�r�c��an up, re�nc�v�,c�rr�.ain,treat,d�toxify c�r su�h c�ther Inttilf�c�:aaE pr�p�riy rights da r�at Inciucie tfl� � � neutralize, or�n a�y�nray r�s�nd ta, �r assess th� � � u�e c�f�notY�er"s a�vertisit�c�ic�ea in y€�ur"advertis�:ment", etfects�f,"pQltutants";pr � H�o�r�r �is exclusi�n dc��s rsot a�ply t�infringeme�t,in ��� �i�i[n or suit by dr on �h�[� of � �ov�rr�m�;nt�{ � � yaur"adv�€t���ment",of capyr�ht,trad�dr�ss or sPagar;. a�hc�rity f�r dar��ges �ecau� cf testing f�r, ; � t�sur�c�s En�14edi��inc#It���rr���"Y' e mantt�rin cleani u remav[nr�, ��ntainin ; � �. � �, � �� �� 8u5[Cte�ses tr��sng, detc�xlfyinc� or n�ufiralizin�, or in any x�ray „Fersanal a��adu�rtisln�lrt]ury"�am�ni��d by an Insur�d �s�c�r��tnc�to,csr�ss�sir�t�f��effi�s of,"pol[ut�n�s". ; I �;tis�biasirte,s is: t�. Vf�f�� # ('1} A��ertisint�„#�roadc�sting,publishinc�c�rt�les�stinc�; '�F'�i�r�3 an���tver�isii7�I��ur�",ho���w�rcaus�d=�ris,ng, � � �2� G�si jning or d�t�rmin"srg �ont�r�t ���n�kr s3�es ��r �iir�ctly ar lr�dlc�ctly,aut af; ath�rs,�r (�} t�r,incSuding uru��claredc�rclv�lvv�r; "i (3} An Int�m�fi search,��ss,�crrt�r�nC se�.rlc�pra+ri��r. (2} �a�5i�e �ctic�r�byt a mi3l�ry fi�rce; €neiuding ac�'ton in i � Hvwe��er, thls �cfus��r� clo�s nat apply to F'�ra�raphs hindsring�r�ef�nding agains�an a�tual ar exp�c�ed � "��.�., 1�, �r�d �. �f"��r�an�( anci �dv�rtisinr� 3r��ury° at*�c�. k�y any ga�mment, s�v�r�sgn �r a#�i�� � uta�€�r the t�firttians s�t;tic�n, a�harity�sinc�mil�tar}�rsanr�e�or�stft�rag�trts,car � � Far tI�purp4ses caf t�ts�xc��sion,�ft�:p(�cft�g �f�ram�s, �3} tnsurrectian, re�llion, r�c�Pution, �sur�ed �S�vver, ar �• ' actian tak�t�kiy c��avernmers#�I auth�rify in hin�ering s�r �, batders or links,:€ar ativertiwing,f�r you tir crt��ers ar��h�re f on t�e lntemm�t,is r��E�y its�ff,cQnsidsred the busin�s�r� �f�ndir�g agait��t any oP th���. % C��eordirr And C?istri�u�iar�i��Ma�er"ra�C?r ' aclvertising,�rc���c��t(n�,pubiisE�ing�e#�le�asting• p� 9 i tc� ����rr��f��h�tr��+t'r�t3���lletira�c�ard� Cr��'�rrr�ti�r� (n��la�i�n t�f l,�w � "F'�r�nal and adver�sin� injury" arsina diractly o� � "f�rs�nal �nd' a�+r�rtisinc� Injury" �risi�g out �af ar� � ef�ct=onlc cha�rnom �r bulletin b�a�d th�insur�d ho�, in��recfly o�t�f�ny action�ie omsssiarr tha#v�al���s or�s � o�ra�s,or av�r�ich t��e fns�a�ec��x��es contr��. �ll�g�d ta vi�late: �; 1. t�tz��It�or��ec�tJ�e t7f A,rtt��h�r`s#�art�e�}r �'�} Tt�� �'eEe�h4ne �cansum�r Prz�tactl�n l�cr {�ct�A), '� ��t7t#u� , ir�c(u�ing�ny ar��ndment caf cr�dt��an to such I��i; ; � "F�e€�nal and adt��rtisln� injury" �rlsing c�ut �f tYre ��) The C�N-�P��1 r� c�t ��, irsclud'[r�g any � � unauthc�r�zed use c�f�rrc�ther`s erarne or produ�t[n yaur am�ndrnent�,t�radcl�ic�n ta 5t�ch la�; i � �-�nail a�d�ss, do��in r�a��vr matatac�, or�7� �ther ��� '1'he Fair �r�di� R�pvrking t� {i��tt), and �ny � sitnil��tact�estr�misle�d�n�th�r`s�t�r,ti�l custoi��rs. amenclment n#�r a�diti€�n t�su�h la+r�, inclu�ing the t�t f��t[�Ft6�r1 Fair atrd t�.,cur�t��rec�i�Transs��ions r'�t(FAC3A};c�r "�eisona3 ar�d adti��r�Esing inju�r"arising ot�t of t�e actua[, ��� Any federai, s�at� c�r 1Q��I statu�, crd[nanc� o�` alle.��d €�� threatened discharg�, dis�ersal, s���age, r�c�uEation� �th�r than the T�PA, CA,�l-��`Pt�t;� P,ct af � migr�ti�n,t�E�s�cr es�a�ae€�f"poltutants"at at�y tlm�. 2�C�i rsr FGRA and fih�i�amen�me�t�and addltfans, that addr�sses, prbhibits, or lirnits the prirrking, � �fis�rn�natian, dfs�aosai, collecting, recard`€ng; � sending, tt�r€st7�i��n�, commu�tieating or distnbutian � of mat�rial�r infc�rmation. t I � � � �} 9 Y # ; G� �0 Q� U4 '13 C� ins�aranc���rvices�€�i��,Ir��.,�01� Pac�e 7 nf 16 � i � I E � f � � � � � � �� � � s � GQ11�l�A���-���I��L PRYNt�N3 a d. U1£c«rkers`�c��n�ensati€�n Anci�ir�il�r Lav� � ' '�. ICt�u�`itt�At�ir+��tTi�Ct� i�a p�rson,���r�rnot an"�mplc�y�"�fiany insu�d, � � �t. ��€II pay medi�E �penses �s deserl��r# beErnf� iar �b�t��flts fc�r��"1�d�ly iniury"ar� ��a�l� s�r mus�be i 4, , pt`c�vided under a �tr�rs' c�t�p�nsa�i�n �ir �is�bllity j � ,�k�odily�njur�'�aused by a�a�ldent; � I {1� �n premises yciu�t�m or ren`c; �nefiits Ea�v or a similar lav�. ; I. �. Rt�t��t3��CICfi�Vi�ie� � {�) C�vtrays rt�ct tp�reinis�yc�u��vn�ar rerrt,'�r € "f'o a person in�ur�ci �i�� pra�icinr�, Instrc�c.tin� �r � � (�� F.3�cause a#ycurtsper�ions; p�rticl�tin�In any physical�xerci�es c�r g�m��,sp�rts,or € provide�f th�t �t�letle c.�nt.�, � � {�) Trse ac��dent tak�s p���� 1i� tta� ���over��� f. l�r+��tsc:�s-�or�let�d��tera�ans��zard i � � terr'rtor�"arcd dta�ing tl�e pai[cy p��oc3, Inciude�f �uii�in the °products-cc�mp'�t�r# ap�l��s � � (b� Th� ex�nses ar� incurr�d �n� r�por�ed ta us h�zard". j � �v�thi��on�year c�f tE��dat�af th�accid�ttt;and �, Cc��'�s"ag�A��tt�sE�rt� � ��� The ir��ur�d�rs�n s�b�nitsto��mir��tian;at�ur ��lu�ed u�rd�r�av�r�ge� x � ���rise,bY �hys�ci�n�r�f c,ar choic�as c��en as S�l��L.�1���1"CAf�Y Pl�'�tV���TS-�t?'1TI�FiA��S A { we r�a��n����r�sir�. ���� , b. U��uilE m�k�thesse pays�ents reg�rdless �f f�ul�. Th� � � payrn�nts v+�ll��at exceeci the appt(cab1�IEmit�f i�surarice. �. �;'�`Ei��ay,�v�r�spect t€�any clai�n we inv�stic�ate ac s�t1�, � V�vuiil��y r��s�r�aE�le�;<�n��s f�r �r�ny nsuit"agalr�st a�4ns�:r�d��d�er�et: � {'�) �rs�ai�at��ntni�t�re�at t#��t��ne���n acc►dent; �. �!�x ses v�e`sncrar, � � ��} Rl�s��t� medie�l, surgi�C, ��ray �i�d d�ntal �. �p to ���c�r ee��t of Y�raCl b���3s ree�uired bec�uus� t�f � � ��� acsid�rtts�a�tsat�ic I�w violaticr�s arlsing�tt�pfi t}ie u�af � serv[c�s,in�3ucif csthetic de�rices;and � � �r�y vehicle to�r�lch tF�e Bodily Injury�i�bili�yr G�ru�r��� �3� �Vec�;,�ry amb��an�e, #�aspital, �rc�e�sianal nursing appli�.s.VUe dcs nc�t hau�t�€urnish thes�bc�n�is. ; an�1�;,in�rai s�rvi�,es. �: �'h�ca�t oP faortds�a rele�se atta�'r�r�nts; Iaut �nE;� for � �. �XC�Ii�I{3I'�� Y�E7i1d�EYtCYU�IkS!rJl�htl"t#!'l���ptIC��1�I�[YII�t5f ItiSUi"d�it�.�1,�; ` i 1/��rril!nc��pay�x;��r�s�s fcir"i�odily In���}", d�s�ic�t hav�to Pum=sh tP:���ds. � � �. An�lr�su�'�� �9. 1�t r� na�te �x�e�s�s �r�c�rrr�� by`th� [rr�u�� at �ur � "Ta any In�ur�d;��ept"vo(unteesu��rker�". request to assist us in the inv�s�i��tion�r def���cafi tl�e � �4 �lai�rr�ar°�u�",incic�ciinr�a�u�l(oss�af�arr�i���u�fia�t3 €�, ��C�d �'+�t`�t�t� a�ay�ee�t���f�ime c�ff f�om Y,vork; � � 1 To a p��s�n hi��d tcs d���ork fot ar ar� �S�l�if af anY �. AJI ccau�t cc�s�s taxed a�ainst the ir�zired in the "suit", i 5 insur�d c�r a t�nant af any ir�sured. HauJever,#i-�e��raym�nts dcs nat fnclude att�rneys'f�es nr i � c. In,j�s�,r�}� ht�rt��Eyt��cupied P€'��'a[��s �tt�n��ys'ex�ens�stax�+against�k��tnsured. � ��a �rson in;uced an tl��par�r��pr�mise�y�u�i��n ar f. Pr�j�adgm�nt En��res�a�ar�ed agains�tl��irrsur�cfi�n thafi ` r�tthat tt�e��rs�n nor�al�y ar�up��s, I�rt t�f the Ju�igrrs�r����pay. lf��m�k��trt�ff�r ta pay � �h� applic�bf� Iimit i�f insuran�, v+�e t�ll tiot I�Y �Y � fl }��e��d�rner�t 3nt�cest based�nthat peti��i c�ftim�aft�rthe � o�er. i F i � € f � x � ; # i 1 4 � � � { t Pa��8€�f 1�i � �nsur�t�ae S�r,rices t��ce,tn�:, �d�� �� �0 C}1 C�4 13 i i ; i I ; I � � ( � �, �II intere�sst on th� full am�unt �€ any judgm�nt t}�at � I€�ng as the abnve cczndition� �r� met, af��mey�' fees � � � �cc,rue�a#ter�ntry af th�judgrn�rtt�nd b�:fore�ve h�vv� Incurr�t� k�� us 1n the def�ns�of tttat ind�m�it�, r�eeessaty i „ pai�t, o�i�r�d�o pay, or depvsit�d 3n ccrur�th�part�sf the ►i1€gatic�n ex}�en� incurr�c# by us and ner.�sary #iti�ation "' jcadgm�rstth�t is�itl�(n�he���Ilcak�l�lim��if]nsur�nc�. e;cp�ns� inctarred by the ind�mn�t�e�t�ur requesl:wi€I � � r ht � � , Th�se payrr���ts�vitl not r�du�t#��Cimits�i Ins�ran�e. ��fd as S'u��aE�ner��r�� �'aymee�ts.. �Jr�tkvtthst�nding the ; � �rovisior�s oP F�ara�iaph �.b.��� ��5ecttc�n [ �overage A - � �: �. �f�r��i�fien�3 an i�sur�d ae�ains�a'�uiC'and�n�nd�t�n�e��f B�dily Injury Rnd Presp�ity C'�in�ge L.i�bility; such paym�nts ; � ti�: ir��ur�d is a3st� named as � �arty ta fhe"su�", v.� u�ili will n�t k�e d�med t� be �€�r�ag� for"bc��ily in�ury" and � : defend that ind�mnit��* ic all c�f the foll�wing eor�3ltinns ar� "prc�p�rtE�d�rnac��"`and+�ili n�zt reduce th�lirnit�af 3nsu�nce. � met: t�Ur�bifgafiion Ec�de��nd ar insut�d's ind�t�ni�ne��d tq pay � ` a. The "sui�` ac�ain�t the fndemn�ee seeks �amages f�e f�r �tfom�ys' f�;s ar�d n�essary €�igation eitpe� as ' �i �rrhich th� insur�t has assumed tY�e (ia�zilit�,+ af the SUppl�m�nt�ry Paymer�ts �nds ti�uF�n +r� i�a�,re used �p the � i� €ndemntte�in a�ntract+�r�gre�m�nt t�at��arr"�ns�r�d ���3ica�le limit of insucc�nce in th�p�ymet�t t�f judc�m�nt�c�r i cor�tr�ct'; �ttlem�nts�ar fhe canditi�r�s�f�rt(��t��;e,c�r the t�rms ef ; �i b; This insurarrcc� a�pkies t� suctt 1`sakiil�ty;��st�rr��d �y ti�� th�agr�merr�descrik�ed!n F�ragraph�.�brnreE�re��3nnC�r � (� insur�cf, m�t ' i � c. Th��blig�ti€snto��end,orthecas��ftY�ede�ensec,�,.th�t ��GTIC3i� ll�?�-1�[��N 1NS�lR�L} � �_ it�den'tnit�, �ias alst�b�en assum�d by the insured�n the '�. If you ar�d�signat�in�h�I�;clacatians as: ,; s2me"jnsur�cf contract"; �. �indi�ldt�a�,you artd yc�ur spc�use a�ins€ar��s,but c�n3y � ' i d» T��al��atia��rs in th�"su'tt"at��th�inttsrma�t�rt�kn�w , wi�h res�ct tc�#�e ccFndu�t of a�uslr.��af��h9�h ycsu aee � � abaut the°or.curr�nc�"�re suc�r that no cc�nfli�t�ppears t� th�s�l�ov�neE, � �i�t������n th�€ntecests a�tht�ir�s�r�d an�t th�It�tsr�� ` I, b. t�partnership or jo�rr�uentu�s, you are�ti insur�d, Your ' �fth�ind�snni��e', ������, �c��r �artn�rs, ar�d tF�r�ir s��use� are a�svv � 'I e. Th�[ndemnii�e �r��th�insur�d �sk us t� candu���d it�s�reds„ but ��ly�i��t resp��t �r�the c�n�u�t �f y4ur � ;:. ct�nfirct the def�ns��f that indemnite�ac�ainst sucl�*su�" o�9n�ss, � � �l1d 2C�r��tFt�t Vi+O C�E7 c�SS��CI�}1�Sck�S1�C:t}Ctf1SE;�kQ t�i2i'K! i the in�ured and th�ind�mn(t�ek ar�� C. A lim��� liab[lity campae�Y� You a€�s an i�su�d. Yt�ur ; �; rnemb�rs ar�a1s� ir�sureds, k�uf onl�;�ith res��ct fia the I a f. '�"h�ind�ni��; cc�ndu� csf your bu�ness. Yaur mana?�ers are insur�ds; � r � but Qnly;�l4h r�s�ta#hsir duties�s ya��manac�ers, � �'1} �g�s in v�it�rtg�o: i � �fl� �{?t3j5vi'3����1 US IYl��t�it1V�S�i��t({2CI;5��1�17t�4�� {�• fX7t(5t'��hlZ��l��t Ck��IEC�'I�CI 3 p3t�tl�t'�13I�?,,�CSIk'1�V�13tGlV�C3� i� �Cdef�r���fthe"su€t", iimCt�d lEabi!'�ty cv��ar�yx �u �r� an in�ured. �'�ur � � '"ex�cutive c�ffice�s" an� dir�ct�rs ar� insur�ds, b�at nr��y ;, �b� Immed`�tely �nd tas coples �� any c#etn��ds, �ri�� r��c t�the?r du�i�s as y��r a��ers or d(r�ct�rs. � notices, summar��s oc f��al paper� reeeived tn ��sur st�sckhcilr��rs'�re a,��(nsurec�,���nly v�it€�ees�ecC � i cxinne�t:t�n vvithth�"su�t"; tta their li�bitit���s�tt��kE�tald�rs. � �c} C�a�ify �ny t�ther ir�surer t�tY2cse cr�ta�ra�e Is ,� � ' �. A trust,vou ac�an insur�ci.'IQurtrus�ees ar��l�ins�.�ds, ; � av��labl�t�th�lndesnnit�e;�nc[ �St a�ly�+�ith r�specc to fiheit dut;es as tru�es: , _ ��� Ct7t?�Cd�B��h US�ti%€�h 3'�5�?�C�t� CQt7[C�I�i�IClf� ! U t�4�i�t` ��S�JIIC�k1E� �i�SUf3t1G� �V�1�3��E' t0 ��� j � in�lemn�e�;ar�d ' � {2} 3�ovi��s us with wri��autharizatic�n tc�: : � m �a) t7f�t�in r�cords anci c�th�r infc�rrnatlo� �elat�ct tcs � � #he"`s�sit";ancf i (�a} �c�nd�ct and c�nt�r�l t�e defer.se oF the ir�3�mnit�e in such"s�uit". i I i i � F S �� � d f � � � C�C3�i�� Q4�3 � irrsuran���nrvic��t)ffice,Ir�c.,2Q�� �'�g�9 e�f��i , E , 1 � � � � � � � � � � � �. �eh�fthe f��JQ�vin�is alsc��n insu�ed: c. �y persocr ras �rr�anizatian hav3ng �rc�p�C tempora� � � � �. 1`ot�r 'Vi�lunt�er �t��Ccer�" c�nly t�il� perF�rminc� tiuties ctistndy�f your propetfiy if ycau die,�ut e�nly: , � relat�d ta tY��* c���detct c�f y�ur busi��es�, �r �c.ru� {'1� tt�th��s�rect�li�bility arisin�r�ut c�f th�ma�ntenarr�� € ;� "�mplaye�s", �th�:r than�itt�r y�ur°�x��utiv�ofFlc�irs"{if �e�s��sf that pe�perty;artd � i1, you �re:an ar�an�zation c�ther tt�arc a partner�h�, �oir€� ��� Until yo�r l�gal re�resentat�v�has be�n appoirtted, � € venture€�r limit�d 3iaoiC�y c�r�pany;c�r y�ur man���rs(if � yr�u ars a �{rr�Eteci liabil'rEy ccrmpany}, �ufi c�nly fc�r ac�s d. Y�ur l�ai r���e�nta'znre If yau dle, but�nly v�th res�ct � ' ��t[C�In the �p� afi th�ir emplayr��n� by y�u or �l�il� tzi d�a�res as such. That r�preser�t��ive avifl h�ve ali ycur � � perf�rrraing clu��s r�lat�d tc�the cc�n�iucC df your busin�ss. ri�h�s�r��diriesur���rthk�G�vera�e Pa� � � Hc��er, no�re �fi tt�cese "employ�s° or 'lroiunte�� 3, Ar�y ��anlzat�n y�a n�nrlx acqui€� Qr fc�rn�t, �ther tiha� a � H �u+�rkers'are ir�sur��s for �ra�raershi�,Jo[nt v�ntur�c�r limited 3iabi���ampany,and tlu�r " � "B�di( �n u ae'" �or�a�and adv�rkisiri rn� ° 4±�ic#�yvu maintair�c�U�n��ship or ma�c�rify interes�,��i(I qualify � t ( � �I� .1 �+" � �4 1 �� �s � �i�rxied lnsure� if th��e Es no t�t€ter simiiar Ensura�ice , �a� To yc�t�,tc�ycuc�rkn�rs or memk�rs�i��ou ara a �,��iiabl�to that or�;araizatian.}�C€nue�t�r. � � par��hi��r,{�fi�t ventur�},t�y�ur memb��(1f i you are � lirrait�d lia�liity carnp��Y), to a a. Cover��� under tF€is pravlsPort is aff�rd���nly un�i( th� f � cc�w„em�Ioy�" wi�il� in the�t�urs� af �is or her �th c��y�er y��aCq�tir�sar ft�m�the c�rganizatian�r the � � �r��ic�ym�nt�rr perf�rrn3n� tlutEes refat�c#t�#he �n�l�P the poli�y�siod,�?hi�h��er is���li�r, � � c�n�luct rafi yc�ur �rusi��ss, �r t� youC �ther b, C�sver�ge A cit�e�not a�pEy to"I�dlly inJ��"���P���Y � ` "v�lunt�er �rkecs`" �?hil� perfar�nln� �fc�i�s c��r�age"tl�at c�ecurr�d b��re yau a�quirect c�r f�ztm�d���; � � r�(ate�i tc�the eonducfi�fi y�iur�iusin�� �ry�riza#fan;�nd � �Fl� I� Eil{'�.fiJ��.�7.�eb .f.lt�[�� �.}C�.«.�4t !3�{�I.Ij�.�{��.�''a.����{�I L. 1..+�}�.iu�{'�.#+7 1'.l�i��QS'i���}���k��k�f.'t`�"�'uQl�t�' ���S�.�J��r��.YJ'��{� e thai cti='em�lc�ye�" or "�rc�lur�r wc�rkWr" as � ����ry,� ���iri� �ut tif art aflense carctr�i��d �efar� yeu ; i �n�quence ttfi F'ar�g��ah{'I}{��a�oue, acquir�d�r€�i��d th��rt�anizaEz�in. j a � (�j �c�r v�hicY� th�r� is any �b(f��t�c�n `t� sYt��e ��pArsar�ar��gai�i�atic�n is an ins�re��r�th��sp�tot�e canc�uct i � dam� �s 4riri;��r re satneane else��h� �u�t + € � P�Y af�rry curren.c�r�ast�ar��ership:jc�€i�t vent[�re�i;I�m��i liabi(lf� E pay�amages because af th�injury r�sc�sk�� in cain�ny tl:a� is n€�t si�c��3�r€ as � h�arne�! Insur��l irr the �' Pc'�f"�(`����h����`��Ot'��3�"��4V�.xQI' C�;�`11C`c�'LIQYFS. � (t3} Aris€ng �ut t�f �is or h�r �rov�dlr�y �r ��iling t� 5��1'(��1 I(9-�,.tl�[TS t��11�St.l�t�l�� � ? �r��'sde pr�Pes�onal heaE�fr c�r�seivices: �. Tl�e �.imits o� lrsuran�e shovan in th� �claratic�rrs and the � � ��� "Pr�per�,�dar�ag�'°to propert�� �uies b�l�r f�the r�e��t vv���31 pay r�c�ard��ss c�f fh�r,u�nb�r ! [a�, t��t�t�,�eeupied c���€s�d�y; ��; � , (�+} f�ent�d to; in th�c���, �us��dy ar c�r�r�i] crF, or �. l�sureds, � au�r�uhich��t,��ic�l c�r�tr�l{s b�in��acercise�P�r b. Gkal��rs m�de c�r"suif�"broughY;�r �ny purpos�k�y; , I',, c, F�r�rt� ar c�rganlzations making �I�itns vr �aringlt�g you,any t�f��ur"��p3oyees";'�rtalt�nt�er�r�ers",any "sui�s", � � partner nr m�rnber('�yc�a ar� a ��rtnersE�Ip crr j�lnt ^a. "�]'�e C,�neral�grec��k� �.imt� is tFte mos�v+te�^�ilE pay f�sr th� � ' venture),i�r any�nemb�r�if y�u ate� limiteci Ei�biE�ty sum t�f: � � com�C�y}. �. �,9e�ical�p�n�s urder�ov�rac�e C, k�< t�n� p�rsc�n (ather th�r� y�ur "��nploy�e° or "vc�l;�nt�eer � � vaorker'�}, �r any orc�ar�izat;Qn ���hi1e actin� �� y�ur real �. C}a�tn�g�s under Gov�rag�A,exi�pt damage�because 4f � ��tate m�nar�ar, "�iadi(y injury" 4r "pres�e[ty cfamag�;" inciud� in tE�e � � ,�pro�i�cts-.�mpl�fed ap�r�#ior�s hazard";an� E � �. C�mages tander t;cav�r�g�B. � � a € � � � s � £ 1 € � i � i j '{ 1 i # Pag�1�1 c�f��r t� Ir�rsuranc��er�ic�s�fkic�,Ina.,20�2 GG Otl tl� C?413 ? i � � € � I � i }¢ i � � � � ( � �. 'T'h� F�'c�ducts�Campte� �eratians A�r��t� �imit is the �3} The n�t�ar� �r�d I��ation cfi an�+ ir�jury c�r d�rnage � � mast�ve will p�y und�`Gaverage A Fc�r�arna€�es be�ause af arisin���f�f ihe"�ccutren�"�r o�nse. � � "bodily inju�+° a�d "p�operiy �amac�e" ir��lud�d �rr th� �z �fi a clalm E�r�adc�r"suie'ls brouc�ht�g�i�st any insur�d, j ' "pr�ducts-c�rnpl�t�d a��rat'sosis ha�ard", �u mus�: � �1 ; ;1 4, ��:bje�t to F�ara�raph �.a�ve, tl�e F�ersan�l And A�€v�rtisi�g ��} #s�medlate(y r�c�rd i�e specif[cs c�fttte�lai�i �r"su�" ; � Irs�u�}L1mifi is t���i-ra�t w��vi1#pa�;r r�r�d�r��rv�r��e l�f�r tEi� a�d the�late cec��re�i;and ; � sum af a1(dam�c„� b�cause�af aEi"�r��nai an��d���isin� � � in�ury"susta€r�ed by any crn�p�rs�n c�r�rgarr�zati��. {^�} �1��`�us�s sa�n as pra�tticak�le. � �' You rr�usk s�e to it that�1e ceceive���ri�t�n r�ati�e�af th� C' �a, �uEajecfi t� i�ra�rapts �. or�, a�ove;�rdhich�ver a�plies, t� � � Each C�ccurrer�ce L,imit is t�re mr,sf��wlll pay f�rtElee sum of; claim�r'"�uit"�s s��n as practical�e, i �. �mages�n��r t:ov��e A;arid c, `Fau anc!ar��,��ther Inu�a�ved insured rr��st: E�. ivf�dPcaC�x�enwe�tandet-Goverage G {1� Immedlat�l�send us copies�€any�emands, n�tices, � st�mm+�ns�s �r legai papers t�ived in cr�nnec�ior, � � ��ca�a�� af all '"�dily injury" and "propert}+ cf�nt�g�" �rising ,� ; �vith t��cf�im�r suit'; t}U�Q��C�y tknG'"�CGUfI`�Y1C�'� � ��} A�tth�ri�e us fia rabtain recards and oth���hftarrrtatis�n; 6. �ubj�cfi tc� E�ragra�ai� 5. abc�ve, tl�e C�amage Tcr Pr�cr3ises �' R�rttet�Tc�Yt�E�Li�tit is th��n�ast�ie�i3�(�y�nd�r�o�r��t�e�1 ��} �t�operat�vv�h us in th�i�v�.�tit�sti�n or s�€tl�m�rit of � �; far ��ma��s b�caus� o� "pro,r�;�y �am�ge'" tc� any an� the cEaim ar de��rss��gain�t�h�"sui�";an� � � p�m ises,�hil�r�r��ec�t�y�su,i�r�n the case 4P dam�g�I�y fi�e,. �4� A�ist us,�a��t�i�r r��ses�,ii�the ent�src�m�nt cs�as�y � � +riri(e rented to ye�u or tem�or�ri]y� o�c��eci by s�o� v�� right��alr�st any pe�san ar�r�an3zatii�n which m�y k� � �� �rml�si�n���o�rner. 1C�k�1�to the insur� bec;au�c�f injury ar da�r,���to j �� 7. �ak�jvct tt� �r��ra�h�, a�av�,the 1�9eclic�l���ns�LimE�[s �hicF�fhi�insc��artce may al��p�a(�. # � the m�sst v�+e �r�ll '#�y und�r Caverac�� G far �Il m�dicaC d, Ncr Insur�d wiil, ex�epf at th�t insur��'s �wn c�st, ! �pertses b�cause �f �ba�1i€� injury" su�ta�nc�d �y any �w�e vnlut�t�riiy me�e a �aavme�7t, �s�t�m��ny ��itr�atia�, r�r E p�rs�n. i�cur an� expense, �tl�er than fior fii-s� ��d, with�ut ��r � � Tiz�Lin-€its of Insuran�e c�f�ris�u�ra�� Part ap��y�e�r�t�ly to e���€�r�fi. � �! e�ch cc�nsecutiv�annuaE �eri�d and t� �r�y r�mainir�� p��fcsd of �. L�g�l A�ti�sn A��in�t lJs � � less than �� r�c��#hs, �a�ing �r#h th� b�ginrting oP tF�� pei(icy ! � � period shcr�rn in k�s� E�cfarations; unl� th� pc�ilcy per�ad is �o pers�rn car crrg�nizatic�� h�a r��ht und�r tl�i� Gover��e � � e���d��i �fter lssu�n�fc�r an a�di�icr�al �rira�l �af 1�ts-Ean �2 I��: j , �c�nttts. In tha��ase,th�aaditional�e�i�d i�{I��een��d �art� �. Ta�ln us as a party �r ��ecv�is�bcin� us�nto a "suit'$ ; ! th�l�st precedfr�g perlo�f fo;�urposes nf��terminfn��h�Limsts 4f �ski�rg#�r��mac�ey fr�am an ins�ar�el;or j Irasu�anc.�. b. Tcs su� us �n�hi�G�avera�� �'ar� uni��all �f its t�m�s : N S��TI�7N IV-��t�t]���€��(1�L G��I��L��.��1�ILITY ha���ka�sn ful�y.c��piied:hiith. � a j s �C>t+,}�#ITl�?11r� A persa��t�r ar�an€iatia,�ma;�si�e us t�rect�ver c��n ar�reed '` � �. Ban�t�'u(��cy' ;�3�m�nt ar an��ir�1 judgment against�r� insuredk but w� � � ��iE! n�t b�li�ble f�r damag�s that�re not payabl�tanee,ieer the � ��ttrttptcy csr inseiver�cy of the insured ar of the fnsue�d's , u e.s�tatew�i€I not��li�+�e us�i our�blig�tions unr��r�hi��ov�rage t�rm� r�f fhis Cou�rag� I�ar� �r �h�fi �r� 9n �c�ss of the ; P��. a�,{�I"�bl� lfmit c�fi insuranee, An��reed�ttl�m�nt means a � a s��tf�G`�en�an� re�ease r�f Ilabfli�y s'€gnes� by �;s,tt�e ir�sur�d F � �. C?Uti��It�'�`he�`Ve�$C)f C?CGu�Ce��e, t�"I"f��s�fi and the c��itnant ortl�e claimar�t's��aa i��sres�ntaiive, � �fairt�t���e�it ' a. �r`�u i��r�t ses t� lt �n�t vue ar� n�tifi�� as so�r� as ; � pracllcable c�f an "vccurr�nce'" �zr��t esi�e��u+rhiali may result irt � c1�Em, T�th� e�k�rrt p�ssiC�te, n�tic� should � � include: � � �'#� Ncnv, when at�d where fh� °crr�urrenc�" t�r cf�anse � ta�€�piace; � � {�� Th�names and address�s c�f any in�ur�d pers�ns art�i ' f witne�;and ° i � i � i � 3 � CC t3t3 U"I E34 "�� �7 lrtsusanc��ervices Off'ic�,lnc,, �{?"12 F�ag�11 Qf'I� � I � i � � � � � � 1 �� # � � �i �� t�t��c Ettsti�'�I�� (�} Vtt��n�hi�ir�urrr�e is �c�ss c�ver i�th�r#nsura�e, � � � � � _ �� csth�r v�[id anc� e�li�c�ible insurance Cs a�raiSab�e � the we will pay�nit�c�ur share��t�s�sau�f of�h�lr�s�,i� � insr�red s�r a bss�cQvar undei�Cou�rac��s��r� af ti�ris �ny,th�t ex��ds the sum nf: Cc�u�r���F�r��ur�bii�atic�ns at�3im�ted a�f�lltzws: {�►� Ti�e totai arnt�unt th�t a(i �uch �t��r i�suranre i � ww�uid ��y for th� I�ss in th� abs�rEc� �f this �. F�rirr�r�[r���aran�� ' 9 insu�nce;�nd � , `f'his in��r�nc� i� primary �ce}5t �h�n F'�ar��ra�h �, ��� T`n� 2atal of all ��iu�tlk�le and se�=insured � V b�1ov�applies, If thrs irsuranc�i����n�ry, aur abl"�a�E�in� � are f7of a�fi�t�i un;�ss any of the�fh�r Cnsurar��e is also amounts under ai1 tF��t other insuranca. I k I � prim�ry. Th�,w�wiil shar�wi�th a�l tY�at othet insur�n� (4) V��+�i�l share�he rerr�ainitsg 1�ss,�any,with ar�y�ther � � by the crz�t�e�d d�seri�ed in Fya�ag�ph�.belcnv; l�surance that is n�ir des�nk�d ln tYris �eess � �. �XC���1#15�€C�t1C�? fns�ti�nc�prt�uision and vrr�s��out�ht sp�c:ific�Ely tt� € i 'C 'This in�ur��is ex�,ess over: �PK��y�n�c�ss k`tt��Lim�s raf[nsuran�shQwn in Th� ; j � � C�cl�r�tions t�f th`ss�ovew��s['�rt. � ' {�� Rny of the oth�� ir�s��.trahca, ���h�� �ar[[nary, � �: c. �#f�tJhat�t�f S3�arirtr� a i �cess,c�r�€r�c,�r�t t�r an any oth�r basis: ; ! if�1�af tkr�ot�rer insura�e��rmi�s�ca�fributic�n b�e�ual � y �i} That [s Fr�, E.�etide� Coverag�, �ui�de�� s�r�, ave� �;i1! fc�ll� fi(�is methad ats�. Under tnis � Risk, (nstali�ti�n Rfs��sr similar cc�v�r�g��o� ��y��~�a�h each �nsur�-cc�r�iribut�s ec{uak�t�tar�ts �sr�tSl it � } "yQur�ork'; ����aid its appliri�le 1im�t�f ir�sE�r�nce ar none cf fhe � I �i�} That 3s�ire ir�urance tc�r p��mis��r�rrtecf#o iass r��naik��,�rieheuercc�mesfiirr�f. € 1 � yau or ter�porari�{ �e�upied by you �ith If�€�y c�fi t�a t�thec insuran��cfo�s nt�t p�r�nit cr�rrtrib�tion � �rr�i�sicn c��the��:�tn�r; I�y er�ua[ �har�s,��r�wifl eantribu�by li�lts. lJnder tYtls � ; 1 r �tl�} i'h�t i�instir�,n��p�ircha�d�y��u to cov�r m�thod,�ac11 [n�t�rer`s shar�is��e�vn the�'atir�of�ts � ys�ur IiaLlli#y �s � ter�ant fc�r "�ruperE3r ap�li�abl� Ett�it t�insuranc�to fi.��tofal��p�i�able limit� c�amag�" t� premis�s r�nted tta '�r4u ar afi ir�s�arance a�aIl Insar�r�. � '; t�m�orar�ly�ucu�ie�!by y�u�t�i��e��tissiorr �, pret�'siui'r1AEitfi� € r� c�f fhe����r;�t� � � �. k�w�il �Q�r��ute all premiu�s fcrr this�c�v�ra�� P�rt iri ��Vj I�th� lass arise�u�of the mairrh�nance pr � � accord�n�e v^rith��r ruEes a�d rates. . r us� �i aircra�, '"�utn�" or v�rat�r�raft tc� th� �, Pt�rri��m shor�vn in t�iis �ver�ge F'�rk as at��ance ` ext�nt not su�j�t to�rtclusion g.r�f�cti�n� i -�vee�ge R —�adily Inji�ry Ar�d Pr�ipe�t� �'��3�a�n is a�eposit�r�mi��i ��li�.At th�elc�se��e��h � �ina�Liabi[ity; �udi�}�Klc�d��,vill ccmpu€�the earn�d premiu�fic�r#h�t ; �aeriod and ��rs� nGtice to tt�e�irst�lam�d Insured.'l"h� � (ka� Ariy oth�r primary insi�rance av�31�k�1� tc yo;� du�date fior audit anci retrt�s��iv�pr�miums is the date � r.�verir�g lia�ility f�r damages araslnc� �ut c�f the �p��,,�-e as t�� due �afie c�n the bi�E. €� the sum r�f th� ; prern€ses �r �pe�tions, nr �h� prc�clucts and adv�nc��nd audit remiums a�3 fcsrth� r�11 i � P � P cY peri�d is i cc�mplet�d ��r�t�ors, fo�s�i�h you have been �rn�tnr tt��n ths�ari�ed�reini�im,r��i�I re��cn Che�xcess # ; acfd�d as an adciiti�s�al insur�f. ta the fiirst I���a��r�suc��{, , ' i {�} Ulhze�this irtsuranc�is �xcess Ujre vdill F�au�rtt� duiy � � � �. Th� �€rst hJam�d Ir�ur�d must ke�p rds of fk�e n ur�der Cc�verac��s A �t B t� ��fer,d �th� Erts�reed in�armatir�n we ne�ci for�rerr�ium c�m�rutatian,and�nd � � �c��.�r�st any ��suit"if any�ther tnsurer has a d�y t� us copi�s at such t;rr�s as�ve may req�est, ; � d��en�i fh� insured agairtst t€�at "suit". If na o#��r 6. ��}ar����t�t�ltaCts ; � Ir���t�r�IefencEs,5rve�rnfl un�iertake tcr�a so,but v�t�r�ll �e �r�tEtle�t to �� insuretf's ti�i�s �gaEnst aH th�se By acc�pting t�is poiic�l,Yc�u agr�e: �th�r#nsur�rs, a, Th� st�f�m�nts In the E7e�laration� are accurate anc� ! ccrrrplete; i x I t I ( � � S F � I ' } i l�g�'I�of"1� �7 Jnsuranc�S�rvicest�f�i�e,3rtc:, �tl'#� GGOC��'IQ4�3 � � � � 1 � i � � � � r � k � f � I�. These �at�ments are �rased �pan r�pr�en�at�ns you Hrnnl�v�r,"autn"cioes n+at{�rclu��"rnc�E�i(e�q�i}�r��nt". ° � �' mad�tct�a�,ai�d �. "Bodi3y� inJun�" me�ns �sdi(y Inj�try, sickkn��.s �r diseas� I � £ c. � have ��ued thi� policy In r�lian� upan yc��cr sust�in�by a p�rs�tn; inciudln�d�h re�ul�ing��rn any�f � � r�pr�ntatie�r�s. th�at any�im�. '�. S�p�r��ion#�f Insurecls 4w yGa�r�g��er�t��y�mean$: ��spt witf�i r�spect�c��he Limits a#�nsuran�e,and any rigtits a. �i,lnited St�tes of/�nerica(in�lu�i�g its t�eritor�es ar�cf ' � or dutl�s speei�ical3y assign�tn this Gover�c��E'�ar�tcr the f"sr� i�ss�sslc�ns),Pueet�Ri�a�r�d Can�ia, � : Nam�cl Ins�a�d,thi�in�urance appff�: b. Or�t�mational vdaters or ai�s�ac�, b�at+�n(y �f th�injury �r � ' �. As i�eac� f�amed I�sureci lver�th�c�nly�tarr�e�i Insurec�; damage accu�s in th�c�urse�f tr�v�i or transportatiesn � � �and b�;i.�een any plac�s in�Cuded it�Paragcaph a.abt�u�,or �; k�. Se�ar�teCy to�ach Insur�d��ainst�v�t���l�irn Is mad�or �. fiJi r�th�c parts c��t��v�rlcf if�he inju�y or�.iaarnaye ari��s ! � "sui�"ls lar�ac�ht. ���� i � � �. Tr�tn�fer C}f Ri�hts�?f F��esav�ty Ac��i�3�i�t�ers �T� C�a�d��r prt�ctucts made c�r�caid!ay y�u En t�e terrltc�ry � Ttr U� cEesc�bed In CC'aaragrapF�a.�bt�v�; � ,) � � "1'he activ[tles of a er�n �r�c�s� €�me is #n the � 1 E�th�insurect Y�as right,s t�r�cover all or part c�, anY pa4�nent { } p � �t�; �tave rrt��e urder t#7is Cover�c�� �rt, thase rig�s �re t��itc,ry describ�in i�ragr��h�.ab�v�t�ut is a�rray t�ansfe�red tc+ us.fi�insurec� �ust dc� n�thl�g afi��r lass tc� tar a sMar��r�e on yo�€r b��s�ne�s;crr � 3 : impair z4��m,A� our requ�t, t#�e in�ureci ��if br��g "�uit° �r ��� °°F'errss�c�af and ��iv�rtisin� inlury" of€�nses tl�ak ta�Ce � i,, traE�sf�r th�s�ri�hts t�us and he��us�n;or�e tM�m. �rla�th��ugh the 1n��enet�r s�rr�llar���tresntc rr��ar�s € � 9w UV���t 1N�G}o f�c��Rett�W ot commt�r��cation; � �; t�we d�sde n�fi t�ten�fv this C.�uec��e F��,�v�v�ilC �ail car �rovide� :Yte it��fed's r��t�i#�ilit �� � Y !�Y d�m�ges is d�[iver tc the�irst l�I��ied In�u��;ci shcswn in the E:'�laratic�ns d�t�rminec3 in a °�t�it" �rn the m�rits; in the tecritary i +�rtt�en n�fi�of th�nc�nr�ne�v�al t�€�t 1�ss t#�ar 3i�days �ePc�re d�rlbed In ����r�ph �E ai�ov�c�r in a s�t�m�nt v�e ± i th�expirakiqrr daf�. a�r��t�. ; � 1�n�fiic�is mailed, prc4f of�ailin���i�l �sufificient�roc+f c�� S. "Emplay�'" inciuctes � "lea�d t�rk�r". "Etn�rlayee'" d��s nafi f Io n�t�, inelu�ie�"`ter�pc�r��y t±uc�r�eP`. � ���"C��?�V�1����11Tt�'9I�� �. °Eac�cutiu�€ri�Fie�i"m��ns�g�sson hz�ldtnc�a�j�c�f���rfiFic�r € � '1 "1�ver�is�m�nt"meat�s�r�ot�ce that 1�broadcasf r�r publ�hed �si�i�ns c€eated E�y y�ur ch�r�c, �sanstit�tion, �iyEaw��ar any � � o�Y��r simi'argv�.r�mint�cfoG�imec�t, ` �� tc�the�enera!public e�e s�ciflc mark�t��tnenfs a1�cs#ya�tr , �oods, �rodu�ts �r ��r�ic�s f�r #h�e purpdse �f a�€r�:�ing '�. "t-(�st't� Pfre" means ar�� �+h[ch b�c�rn� ��n�rtfrolla�fe r�r i clrs�or�ers�r sup�ite�s.Forth�purpp��s c�f this cie�nitic�n: br�aks c�ut fr�m�ec�if was int�ndecf t�b�. � �. �1�rtir�s it?�t are pubii�hed ir�clude maE�ri�l p[acecE�n the �. '�r�p�ired [�mpe�I:y"me�r�s ta�gEb(��rop�rky;�ther t?�ar�,`y�aur I Intern�t cir on similar e��ctrQ�lc means�s1 communica�icin; prcduc�"or`�,�c�ur u�ark„ t�a��ar�no�be usec�csr 3s i�ss useful i ;i �Cld l��Ce�tlS�#; 3 3 � �. It ir�cor �ates' c�ur roduct"or" oa� } ` € �a. R�ardin���b sites,c�n(�ttaat part c�f a rv�b site�ha�1� l� '� P Y ��r�' th�t is k;��wn � ab�ut yr�ur goeds�prc��u�s c�r servi���c�rthe pur�ses�� or tht�u�l� to be defertive, de�icient, Inad�cuate �t � attracting c�sta�ters or su�aporter� is �onsider�d an ct�r�et�us;o� ; advertisemer�t. b. l'r�ct Fra;re fail�� t� �tl€ill th� terms �f a eo�tract �r � � 2, ".�ut�"means: a�r��nent; � �t. ,� land motc�r ve3�i�l�, traiier c�r semltral3er dEsic�ne�! fc�r if s�ch prnp�r�y can be r�st�re� to use by the repaFr, tra��el on �a�blic mads, incl�acSing any atta�h�d machin�ry repl�c��€ten�,acsjust�ner�t or i'��tt�val of"yoar prt��uct"�r"yc�ur � or e�uipmer�t,�r w�rk"at yciur fiulfilling the t�rms�f fihe��ntract ar a�r�emen#, � #�. Any oth�r(anc4 vehicle tnat Is subjeGt to��ompu3sory cr financial r�sponsib�lity laav csr other rr�otar ve�ii�[e insur�nce Iau�wh�re it is il��rrsed�r princi�al(y g�raged, � � � � � � i ; � ; �� €Jt�f�1 �4"�� 4 3risuranc���rvic�s C,�f�i�e,#nc.,2fl'E� F`age 1�c�f`�� � i � � § � � � � � f � � a $ � y^y �{#+� � 1 x��. �����.0�.'rt�l�4�c 4G ��r'�i��'. 3\,+.��t.��� ��'71�I% �i�..�.{�J� 't�.. �..�� ���� L�1 �{�� 3J� C� �Yd�� � ; �, ��ont��#�r�l��s�a�pre;nises.t�a�r.�ver,that portior�of �asinc�fErm undes an agre�r��r�t i�ei��r�vnu and the labor ' � the cnntract fvr a(s�se caf premis�ss that€nctemnifi�s ar�� [eas�ng f1€m,ts�p�r€c�rm duti�re3ated ta t�e cc�nduct of yt�uT � � bus;ness. "��ased vvarfi€�r" d�es nc�f ir��lu�� a "t�mpc�rary ;� pecs�n cir arg�ni�atiqn €or darrta+�e by fire tc� p�emi�s ;I v�h(1e rent�d ta y�u or t�mpor�rily ��cupied by yc�u with v`�r��; � I �rmissit�n pfi tt�e c�r�ner 1s n���r�°Pnsu�:d c�r�tract°; �'�,,"I.oadtnc�or ur�laading"rr€eans#he�n�ling oP pC�p�rty: } � b, Asid�tr�ckac�r��merh; �t. �ft�r�t ls m�sued from t�se pCa�e�±h�re rt Is�ccepted fi�r � �. Any�as�m�r�t c�r€lc�ns�a.gr�eme�t,�tcept In ccsnn�tl�an [nn4r�rn�nt irta�r�nto an�ircrr�ft,�rafierc�C'c or"�uto", ; yvit�c�oc�structi�rr�r demal�t�on a��ra�ians on�r�ithir��t} b. Wf�ile€t is in or on an�Er�r�f�,x�ter�eaft or"autc�";c�r � fiee�aP�raClrcr�cE; �. V4f�rile it is beinc� m�veci �rom an air�raf�, wratercra� c�r � � d. An a�([ga�it�n, as �quirud by orcEinan�, t� indemni€y a "aut�r"to t�e pl�ce uvher�ii[s�in�lly deiivered; ; � tnunicipa`s�t�}, �xc�pt I� �artrec`�ion �r�t� �,�rrk fc�r a r �r but 'loau�r�g c�r unloa�ing��does nat��cEude fhe m�vem�nt�f : � mti�sicipality, i �;c�pe�by mear�s�f a m�charii�ai deviee,a�herti���a hand �. An eleuator��i�n�r�c��c�reemen�; fruck:that is nc�t attac�ee#tta the�ircra�t,wafier�r�af�ar"atstt�". � � 1 f» Th�t p�rt of any otl�r cantract vr a�reetY��n#��r`�aining�Cr '1�."�,1�ak�ile�qulpmet�i"tnear�s:a�y of�I�e foil�tn�n�tYpes tif tan� ; ;� yc�ur �s(r�ess �Includ�rsg �n �n��mnlfi�a#i�n af � ve#�icles,insludina anp at�ack�ed machln�€y�zr ec�uf�ment. � �tunieip�€ity in cc�rtneetaon ��kh't�rcarlc p�rfar.med fo�' � �. �uild4zers; fiarm machiner�, tori�ifts ans� �;�t v�hi�les � � munici�ra�lty} !�rtd�r�ii��r yc�u a�stan7�tY�e zcar�lia�i3ity c�f ��slgn�c�far use prlt�ci�ai#�c�f�puk�li�roads� i ; �na�her part�� ta �aay ��sr °°kmdily In,ury'° t�r "propeity : ri�mag�° fi� a�ir� persc�n ar c�r�nizatic�n. T4�fi Ei�bil'�ty �. �ehi��:s mai�i#ained fc�r�rse�zle3y c�n or ne�k ta pr�mfsss � hi tnearrs a liabilitu t�tat uvaiald �e impc�s�d kr��+ l��u �n fhe Y'�� �rr�nfi; � ;i abs�r�ce n�an�cc��tra�t t�r a�r�em�r�t. �, V�hicles that t�ve1 czr c�a��lertr�ds; � k � E� Fka€��raph�.does n���n�lud��haf part�#�ny���tr�Ct or d. V�hic,�s; avhether s�iP�r�peif�d �ar ri��, maint�iried � I; �r�me�t: prlmarity ta�rc�v`sd�maY�i[it�f ta parr�aan�r�tly rr�€�unte�; {'1} "�h�at Inde�mnifies a €a�lraa� fe�r "�cadt�� inj��y" ar �1} ���r cranes,sr��veis,lr�ader�;d�gg��or drii3s;�r � "propet�� d�mag�" �isinc� c�ut o# cor�stru�t'€c�n or ��� �o��#ccnstcuctit�n�r r�sur�acin� equipm�r�t such as �' demalftion ope�tians, vu�hir� �0 faet af an�° raiVr�ac1 ��ders;s�rapers car r�Ef�rs; f ; �rra,�e� and a#��cfiny �ny railr�a�1 bhi�ig� c�r t�le, ; tr�cks;rffac�-b�ds,t�anne6,u�c#�rpass or�ra�in�; �. �fe�icl�s not d��cri�Z��i 1� F'ara��ph �,, kt., c. ar �. i � ��zvs that �re �tr�t seif-pc�p�ll�d an� are mair�f,�i��d � � �"�� Thdt iCkE��Cf�IIE�iE:S�I�31'GhIsEC�,�t1t�Iti�2C t5i'�uN�yUC�t�C � � inj�r}t�C�a��g+�a�ising c�ut�f; �eim�rity tr� pr�rv[� �n�bility ta p�m�a�nt�y at�a�h�d € ecuipr€S�nt�f the f�i�e�vin9 tYpes. i �a� Pr�parl;�g: ��prcav�ng; �r failirtg to �r��aare or ` 1 ap�r���e, maps,�hapd�rir7c�s, ci�inions,t�parts, �'�� �r com�ress�rs, pumps arr� g�ner�tc�rs, incl�tdir�g � sur�eys,fie l� �r�ter�,c t r ange a r d�:�s�r dra�ngs �����!�� ���ding, lauifding c€e�riis�ig, g�cphysicaC y � at�d speciPi��tioe�s;4r e.�cplc�ta'raon;Eightin�and t��ll se�vl�in��qui�snent;�r � 1 ��?� .�`.-sIVE7i��3i�'G`�IQ�IS G��`I�iS�(`C€4�14V't�;pffe����t1C,��Q t�IV� ��� �'�'33`� �tC?t�(� s'�Il� S�I7tl�k't��VIGG5 !15`�'d x0 fcIESL' C?C � � them, €f tk'i��is tl�e pr�mary cause i�f tt�e lri�c�ry Qr la�ve�v�rk�rs� , � t��mac��;ar f. Vehicles nc� descri(�� iE1 I�rr�graph a,, b,, �. ar t3. � (3� Unt#er u�hich t(��i�sur�d, i��n ar�hE�ct; �nginesr cr abc�ve m��t��air�eec� prima�i€y �c�r pur�s�s o#��r t,han th� ` � �� transporkatic�n c��cersons ar carc�a. surveyor, assu�t�s liability #�r an injcsr�r Qr dam�ge arisii�g caut �rf the insured"s rendering �r f�ilure t� j render�rof�ssion�f s�v3ce�, inc[uding thcse 3i�ked In ' (Z��b4�r�and�up��visary,ins�.�cii�r€,arcPritect�rr�l or � ersgin��r�ng�etivities, < � t i 't t � �',. � 3 Pag� 14 c�f 1� t� lnsueanc���rvices�ffiG�,l�c.,2Q1� GG 0�7(}1 Q�13 � � ' � F � � 'ti i