cover sheet emp jlumsde...you are hereby notified that under the terrorism risk insurance act as...

COVER SHEET

POLICY NUMBER:

MIC INVOICE(01/95) Markel Insurance Company InvoiceMKL TERR 3b(01/15) TERRORISM DISCLOSURE NOTICEMJIL 1000(06/10) POLICY JACKETMDGL1500(03/14) COMMERCIAL GENERAL LIAB POLICY DECLARATIONSCG0001(04/13) COMMERCIAL GENERAL LIABILITY COVERAGE FORMCG2106(05/14) EXCLUSION-ACCESS OR DISCLOSURE OF CONFIDENTIAL OR PERSONALCG2133(11/85) EXCLUSION-DESIGNATED PRODUCTSCG2135(10/01) EXCLUSION-COVERAGE C-MEDICAL PAYMENTSCG2149(09/99) TOTAL POLLUTION EXCLUSION ENDORSEMENTCG2151(04/13) AMENDMENT OF LIQUOR LIABILITY EXCL-EXC FOR SCHED ACTIVITIESCG2160(09/98) EXCL Y2K COMPUTER-RELATED AND OTHER ELECTRONIC PROBLEMSCG2173(01/15) EXCLUSION OF CERTIFIED ACTS OF TERRORISMCG2196(03/05) SILICA OR SILICA-RELATED DUST EXCLUSIONCG2407(01/96) PRODUCTS/COMPLETED OPERATIONS HAZARD REDEFINECG2620(10/93) NEW JERSEY CHANGES-LOSS INFORMATIONMGL-TERR-2(01/15) CONFIRMATION OF EXCLUSION OF CERTIFIED ACTS OF TERRORISMMGL1238(03/14) ADDITIONAL INSURED - SPORTS LIABILITYMGL1239(03/14) BLANKET ADDITIONAL INSURED ENDORSEMENTMGL1262(08/14) ABUSE OR MOLESTATION COVERAGEMGL1266(08/14) AMENDED DUTIES & REPRESENTATIONS CONDITIONSMGL1319(01/16) EXCLUSION - UNMANNED AIRCRAFTMGL132(09/95) TRAMPOLINE EXCLUSIONMGL215(02/03) CANCELLATION PROVISIONS - SEASONAL RISKSMIL005(09/95) MINIMUM EARNED PREMIUM ENDORSEMENTMIL1207(05/15) TWO OR MORE COVERAGE FORMS OR POLICIES ISSUED BY USMIL1301(03/14) EXCLUSION - FUNGI OR BACTERIAMIL1305(05/15) EXCLUSION - PUNITIVE DAMAGESIL0017(11/98) COMMON POLICY CONDITIONSIL0021(09/08) NUCLEAR ENERGY LIABILITY EXCLUSIONIL0141(09/08) NEW JERSEY CHANGES - CIVIL UNIONIL0208(09/07) NEW JERSEY CHANGES-CANCELLATION & NONRENEWALMPIL1007(03/14) PRIVACY POLICY

New Products EMP

JLUMSDE

3602AH022378 - 5

NEW PRINT PROCESSOR

MKL TERR 3b (1/15)

POLICY HOLDER DISCLOSURENOTICE OF TERRORISMINSURANCE COVERAGE

We are required to provide you this notice pursuant to federal legislation concerning terrorism insurance.

You are hereby notified that under the Terrorism Risk Insurance Act as amended, you now have a right to purchase

insurance coverage for losses arising out of acts of terrorism, as defined in Section 102(1) of the Act: The term "act

of terrorism" means any act that is certified by the Secretary of the Treasury, in consultation with the Secretary of

Homeland Security, and the Attorney General of the United States to be an act of terrorism; to be a violent act or

an act that is dangerous to human life, property, or infrastructure; to have resulted in damage within the United

States, or outside the United States in the case of an air carrier or vessel or the premises of a United States mission;

and to have been committed by an individual or individuals as part of an effort to coerce the civilian population of

the United States or to influence the policy or affect the conduct of the United States Government by coercion

YOU SHOULD KNOW THAT WHERE COVERAGE IS PROVIDED BY THIS POLICY FOR LOSSESCAUSED BY CERTIFIED ACTS OF TERRORISM, SUCH LOSSES MAY BE PARTIALLY REIMBURSEDBY THE UNITED STATES UNDER A FORMULA ESTABLISHED BY FEDERAL LAW. HOWEVER, YOURPOLICY MAY CONTAIN OTHER EXCLUSIONS WHICH MIGHT AFFECT YOUR COVERAGE, SUCH ASEXCLUSION FOR NUCLEAR EVENTS. UNDER THIS FORMULA, THE UNITED STATES GENERALLYREIMBURSES 85% THROUGH 2015; 84% BEGINNING ON JANUARY 1, 2016; 83% BEGINNING ONJANUARY 1, 2017; 82% BEGINNING ON JANUAY 1, 2018; 81% BEGINNING ON JANUARY 1, 2019 AND80% BEGINNING ON JANUARY 1, 2020 OF COVERED TERRORISM LOSSES EXCEEDING THESTATUTORILY ESTABLISHED DEDUCTIBLE PAID BY THE INSURANCE COMPANY PROVIDING THECOVERAGE. THE PREMIUM CHARGED FOR THIS COVERAGE IS PROVIDED BELOW AND DOES NOTINCLUDE ANY CHARGES FOR THE PORTION OF LOSS COVERED BY THE FEDERAL GOVERNMENTUNDER THE ACT.

YOU SHOULD ALSO KNOW THAT THE TERRORISM RISK INSURANCE ACT, AS AMENDEDCONTAINS A $100 BILLION CAP THAT LIMITS UNITED STATES GOVERNMENT REIMBURSEMENTAS WELL AS INSURERS’ LIABILITY FOR LOSSES RESULTING FROM CERTIFIED ACTS OFTERRORISM WHEN THE AMOUNT OF SUCH LOSSES IN ANY ONE CALENDAR YEAR EXCEEDS $100

Page 1 of 2

Includes copyrighted material of National Association of Insurance

Commissioners, with its permission.

_

Re: Policy Number 3602AH022378-5

Westfield Youth Soccer Association518 Clark StreetWestfield, NJ 07090

Markel Insurance Company06/07/2016

3602AH022378-5

MKL TERR 3b (1/15)

I hereby elect to purchase the Certified Acts of Terrorism Coverage required to be offered under the Act for thefollowing coverage part(s) and associated premium. Please indicate the coverage part(s) for which you accept orreject Certified Acts of Terrorism Coverage. If applicable in your state, an additional tax or fee may be applied. Ifyou have a location in a state that requires fire coverage be provided, regardless of cause, a mandatory charge forterrorism has been included in the coverage part(s) premium shown below and may not be rejected.

COVERAGE SELECTIONACCEPT REJECT Coverage Part(s) Premium

Page 2 of 2

Total:

SELECTION OR REJECTION OF CERTIFIED ACTS OF TERRORISM INSURANCE COVERAGE

WHAT YOU NEED TO DO NOW:

IF YOU WISH TO PURCHASE CERTIFIED ACTS OF TERRORISM COVERAGE, YOU MAY DO SO BY

CHECKING THE DESIRED COVERAGE PARTS UNDER THE ACCEPT COLUMN BELOW. IF YOU

CHOOSE TO DECLINE CERTIFIED ACTS OF TERRORISM COVERAGE, CHECK THE REJECT

OPTION NEXT TO THE APPROPRIATE COVERAGE PART.

Nothing in this notice affects or modifies your coverage except and only to the extent specifically required by the

Act. You should also know that under federal law you are NOT required to purchase terrorism coverage.

Named Insured(As shown on policy) Policy Number Effective Date

I understand that an exclusion of Certified Acts of Terrorism losses will be applied to the coverage parts in whichterrorism coverage is not purchased.

In order to purchase Terrorism Coverage on the Umbrella, the Terrorism Coverage must also be purchased on theunderlying Liability Coverage, if applicable.

Optional terrorism premiums are in addition to proposal terms.

Action:Please sign and return this form, with your request for coverage.

If you DO NOT wish to change your prior selection or rejection of Terrorism Coverage, this form DOESNOT need to be returned. Your renewal policy has been issued as expiring.

Policyholder/Applicant’s Signature Print Name Date

Includes copyrighted material of National Association of Insurance

Commissioners, with its permission.

Commercial General Liability 31.00[ ] [ ]

$31.00

3602AH022378-5

Re: Renewal Policy Number:Renewal Premium:State Tax/Fees:

Markel Insurance Company is pleased to renew your policy for the term of to .Your producer will be forwarding your policy to you shortly. Please review your coverage withyour producer for any changes in the policy.

In order to continue coverage, please send your premium payment to your producer prior to theexpiration date indicated below.

Please review the attached form(s) for information regarding your renewal policy.

We appreciate your business and the opportunity to continue serving you for another year. Thankyou for choosing Markel. If you have any questions regarding your renewal policy, please contactyour producer.

Sincerely,

Extension #

condaut(03/97)

cc:

IMPORTANT NOTICEYour current insurance expires as of 12:01 a.m. on .This is subject to the terms and conditions indicated in your contract.

MARKEL INSURANCE COMPANY4600 Cox Road, Glen Allen, Virginia 23060-9817 P. O. Box 2009, Glen Allen, Virginia 23058-2009

(804) 527-7602 (800) 431-1270 Fax: (804) 524-7598

June 7, 2016

Westfield Youth Soccer Association Bollinger Inc518 Clark Street 150 JFK ParkwayWestfield, NJ 07090 4th Floor

Short Hills, NJ 07078

3602AH022378-5$750.00$5.25

7/2/16 7/2/17

Dave DePuy

Underwriter

117665

7/2/16

Our commitment to youOur commitment to you begins the moment you choose Markel as your insurance company.You expect quality coverage-that's why you buy insurance. But good service, someone whoreally wants to help you? That almost seems too much to hope for.

From the minute you pick up the phone and talk with our receptionist (a real person, not anautomated system!), you'll notice what separates us from the pack-our people.

Our underwriters, claims associates, loss control representatives, and administrativeassociates are real people, too. We treat you the way you want to be treated: respectfully,courteously, and professionally. When you have a question, we get the answer. When youleave a message, we call you back. You get service, not the run-around.

Our claims staff is experienced, efficient, and effective-everything you expect. What you maynot expect is how our loss control and risk management specialists suggest improvements thatcan help you avoid losses and accidents altogether.

How else is Markel committed to you? Our prudent, conservative approach to fiscalmanagement makes us financially stable, so you have greater assurance of our ability to payclaims when you need it.

Our commitment to you is simple. We treat you right. We deliver what we promise. We are apartner you can rely on for many years to come.

F. Michael Crowley, President

4600 Cox RoadGlen Allen, VA 23060800-431-1270www.markelinsurance.com

Markel ClaimsP.O. Box 2009 o Glen Allen, VA 23058-2009800-362-7535 (24 hours, 7 days) Fax: 855-662-7535Email: [email protected]

Step one: Report all claims.Immediately report all claims to your agent or to

Markel Claims by calling 800-362-7535 or [email protected] emergencies such as death, serious bodily injury,

or catastrophic property damage, immediately callMarkel Claims.For after-hours Horse Mortality, call 800-446-7925.Report all claims involving theft, vandalism, or other

crimes to the police. Get the police report whenpossible.

Step two: Get the facts.Print a Markel incident report form ahead of time from

the Claims page at markelinsurance.com.Write down how, where, and the time the accident or

injury occurred.Get the names, addresses, and phone numbers of

everyone involved. If possible, take pictures at thescene.For serious property claims, take the necessary steps

to preserve the damaged property and mitigate anyfurther damage. Make temporary repairs whennecessary, and keep all receipts.

Step three: Copy and submit all correspondence.Send all accident-related correspondence (reports,

statements, bills, and letters) to Markel Claims viaemail: [email protected],fax: (855) 662-7535, or regular mail:P.O. Box 2009, Glen Allen, VA 23060.Send all correspondence as soon as you receive it.Reference your policy number and claim number on

each document.If you receive any type of legal papers, immediately

call Markel Claims. If possible, fax the documents to us(855) 662-7535.Correspondence related to open claims may also be

submitted via email to [email protected]: All new claims should be sent [email protected].

.

.

..

.

Reporting a claim

.

Important contact information

Markel Claims email: [email protected] Claims phone: 800-362-7535Markel Claims fax: 855-662-7535

Insurance agentName: ____________________________________

Agency: ___________________________________

Daytime phone: _____________________________

Evening phone: _____________________________

Fax: ______________________________________

General liability coveragePolicy number: _____________________________

Effective dates:__ / ___ / _____ to __ / ___ / ______

Property coveragePolicy number: _____________________________


Automobile coveragePolicy number: _____________________________


Special proceduresIf you are served with a lawsuit, call Markel at

800-362-7535 and ask to speak with a claimsmanager/supervisor.Don't reveal information about your insurance coverage

other than the names of the company and the agent toanyone.Don't admit responsibility for the accident or injury. Try

not to move vehicles from an accident scene until afterpolice arrive.Don't discuss the accident or injury with anyone other

than your insurance agent or authorized representative,Markel associates, or law enforcement officials.Don't give copies of documents to anyone other than

Markel associates or authorized representatives.

.

.

.

..

.

.

.

.

.

.

.

Markel Insurance CompanyTen Parkway North

Deerfield, Illinois 60015(800) 431-1270

Page 1 of 1MJIL 1000 06 10

A STOCK COMPANY

INSURANCE POLICY

In Witness Whereof, the company (insurer) has caused this policy to be executed and attested and countersignedby a duly authorized representative of the company (insurer) identified in the Declarations.

Coverage afforded by this policy is provided by the Company (Insurer) and named in the Declarations.

Secretary President

Retroactive Date (CG 00 02 Only) N/A In New York

COMMERCIAL GENERAL LIABILITY POLICY DECLARATIONS

RENEWAL OF NUMBER:

Named Insured And Mailing Address (No., Street, Town or City, County, State, Zip Code)

IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL TERMS OF THISPOLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY.

Policy Period: From ____________ To ____________, at 12:01 A.M. Standard Time at your mailing address shownabove.

POLICY NUMBER:

Producer Number, Name and Mailing Address

Limits Of Insurance

$

MDGL 1500 03 14

$

Business Description And Location Of PremisesForm Of Business:Business Description:Location Of All Premises You Own, Rent Or Occupy:

This insurance does not apply to "'bodily injury", "property damage" or "personal and advertising injury" which occursbefore the Retroactive Date, if any, shown below.

Retroactive Date:

Includes copyrighted material of Insurance Services Office, Inc.,with its permission.

General Aggregate Limit (Other Than Products-Completed Operations)Products-Completed Operations Aggregate LimitPersonal And Advertising Injury LimitEach Occurrence LimitDamage To Premises Rented To You Limit Any One PremisesMedical Expense Limit Any One Person

$$$

$

(Enter Date Or "None" If No Retroact Date applies)

SEE ATTACHED "EXTENSION OF DECLARATIONS"

InsuredInsured

3,000,000

1,000,000

None

1,000,000

1,000,000

100,000

5,000

Markel Insurance Company

3602AH022378-5 3602AH022378-4

Westfield Youth Soccer Association

518 Clark Street

Westfield, NJ 07090

07-02-2016 07-02-2017

Association

Amateur Sports

88707 / Bollinger Inc150 JFK Parkway4th FloorShort Hills, NJ 07078

Forms And EndorsementsForms and Endorsements applying to this Coverage Part and made a part of this policy at time of issue:

Countersigned: By:AUTHORIZED REPRESENTATIVEDATE

These Declarations, together with the Common Policy Conditions, Coverage Form(s) andany endorsements, complete the above numbered policy.

MDGL 1500 03 14

Classifications And Premium

Total Advance Premium: $

Premium BasisClassification Prem/OpsCode No.Prod/Comp

OpsProd/Comp

OpsPrem/Ops

Advance PremiumRate

Includes copyrighted material of Insurance Services Office, Inc.,with its permission.

SEE ATTACHED "EXTENSION OF DECLARATIONS"

MJIL 1000(06/10), MDGL1500(03/14), CG0001(04/13), CG2106(05/14), CG2151(04/13), CG2407(01/96), MGL1238(03/14), MGL1239(03/14), MGL1262(08/14), MGL1266(08/14), MGL132(09/9

MGL215(02/03), MIL1207(05/15), CG2173(01/15), CG2620(10/93), MGL-TERR-2(01/15), CG2133(11/85), CG2135(10/01), CG2149(09/99), CG2160(09/98), CG2196(03/05), MGL1319(01/16)

MIL005(09/95), MIL1301(03/14), MIL1305(05/15), IL0141(09/08), IL0208(09/07), IL0017(11/98), IL0021(09/08)

GuarAssoc-NJ $5.25

750.00

June 7, 2016 Bruce A. Kay

JLU

Glen Allen, VA

Location Of Premises

Location of All Premises You Own, Rent Or Occupy:

Classifications And Premium

Extension Of Declarations - Total Advance Premium $

PremiumBasisClassification

Prem/Ops

CodeNo.

Prod/CompOps

Prod/CompOps

Prem/Ops

Advance PremiumRate

COMMERCIAL GENERAL LIABILITYEXTENSION OF DECLARATIONS

Page ofMDGL 1500 03 14 Includes copyrighted material of Insurance Services Office, Inc.,with its permission.

3

Location #1 518 Clark Street, Westfield, NJ, 07090

LOCATION #1

Soccer - Youth - Not for profit 40067 65 - Per Participant INCL. INCL.

Sexual Abuse Buyback 44444 615 - Camper Day (Each) INCL. INCL.

Day Camp - Youth - Moderate 44444 550 - Camper Day (Each) INCL. INCL.

Additional Blanket Insured 49950 1 - Additional Insured (Blanket) INCL. INCL.

3

COMMERCIAL GENERAL LIABILITYCG 00 01 04 13

COMMERCIAL GENERAL LIABILITY COVERAGE FORM

The "bodily injury" or "property damage" iscaused by an "occurrence" that takes placein the "coverage territory";

(1)

No other obligation or liability to pay sums orperform acts or services is covered unlessexplicitly provided for under Supplementary Pay-ments - Coverages A and B.

Insuring Agreement1.

Page 1 of 14

SECTION I - COVERAGES

Our right and duty to defend ends when wehave used up the applicable limit of insurancein the payment of judgments or settlementsunder Coverages A or B or medical expensesunder Coverage C.

a.

Throughout this policy the words "you" and "your"refer to the Named Insured shown in the Dec-larations, and any other person or organizationqualifying as a Named Insured under this policy. Thewords "we", "us" and "our" refer to the companyproviding this insurance.

COVERAGE A - BODILY INJURY AND PROPERTYDAMAGE LIABILITY

Various provisions in this policy restrict coverage.Read the entire policy carefully to determine rights,duties and what is and is not covered.

The word "insured" means any person or or-ganization qualifying as such under Section II - WhoIs An Insured.

(1)

Other words and phrases that appear in quotationmarks have special meaning. Refer to Section V -Definitions.

The amount we will pay for damages islimited as described in Section III - Limits OfInsurance; and

(2)

We will pay those sums that the insuredbecomes legally obligated to pay as damagesbecause of "bodily injury" or "property damage"to which this insurance applies. We will havethe right and duty to defend the insured againstany "suit" seeking those damages. However,we will have no duty to defend the insuredagainst any "suit" seeking damages for "bodilyinjury" or "property damage" to which thisinsurance does not apply. We may, at ourdiscretion, investigate any "occurrence" andsettle any claim or "suit" that may result. But:

This insurance applies to "bodily injury" and"property damage" only if:

b.

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

(2)

POLICY NUMBER:

Prior to the policy period, no insured listedunder Paragraph 1. of Section II - Who Is AnInsured and no "employee" authorized by youto give or receive notice of an "occurrence" orclaim, knew that the "bodily injury" or"property damage" had occurred, in whole orin part. If such a listed insured or authorized"employee" knew, prior to the policy period,that the "bodily injury" or "property damage"occurred, then any continuation, change orresumption of such "bodily injury" or "propertydamage" during or after the policy period willbe deemed to have been known prior to thepolicy period.

(3)

"Bodily injury" or "property damage" whichoccurs during the policy period and was not,prior to the policy period, known to haveoccurred by any insured listed under Paragraph1. of Section II - Who Is An Insured or any"employee" authorized by you to give or receivenotice of an "occurrence" or claim, includes anycontinuation, change or resumption of that"bodily injury" or "property damage" after theend of the policy period.

c.

d. "Bodily injury" or "property damage" will bedeemed to have been known to have occurredat the earliest time when any insured listedunder Paragraph 1. of Section II - Who Is AnInsured or any "employee" authorized by you togive or receive notice of an "occurrence" orclaim:(1)Reports all, or any part, of the "bodily injury"

or "property damage" to us or any otherinsurer;

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

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

Damages because of "bodily injury" includedamages claimed by any person or organizationfor care, loss of services or death resulting atany time from the "bodily injury".

e.

Copyright, Insurance Services Office, Inc., 2012CG 00 01 04 13

3602AH022378-5

Assumed in a contract or agreement that isan "insured contract", provided the "bodilyinjury" or "property damage" occurs subse-quent to the execution of the contract or a-greement. Solely for the purposes of liabilityassumed in an "insured contract", reasonableattorneys' fees and necessary litigation ex-penses incurred by or for a party other thanan insured are deemed to be damages be-cause of "bodily injury" or "property damage",provided:

"Bodily injury" or "property damage" for whichthe insured is obligated to pay damages by rea-son of the assumption of liability in a contract oragreement. This exclusion does not apply to lia-bility for damages:

b.

(2)

Contractual Liability

Such attorneys' fees and litigation ex-penses are for defense of that party a-gainst a civil or alternative dispute reso-lution proceeding in which damages towhich this insurance applies are alleged.

(b)

Liability to such party for, or for the costof, that party's defense has also been as-sumed in the same "insured contract";and

(a)

That the insured would have in the absenceof the contract or agreement; or

(1)

c. Liquor Liability

Any statute, ordinance or regulation relatingto the sale, gift, distribution or use ofalcoholic beverages.

(3)

This exclusion applies even if the claims againstany insured allege negligence or other wrong-doing in:

The furnishing of alcoholic beverages to aperson under the legal drinking age or underthe influence of alcohol; or

(2)

"Bodily injury" or "property damage" for whichany insured may be held liable by reason of:

Causing or contributing to the intoxication ofany person;

(1)

The spouse, child, parent, brother or sister ofthat "employee" as a consequence ofParagraph (1) above.

(2)

e. Employer's Liability

An "employee" of the insured arising out ofand in the course of:

d. Workers' Compensation and Similar LawsAny obligation of the insured under a workers'compensation, disability benefits or unemploy-ment compensation law or any similar law.

Performing duties related to the conductof the insured's business; or

(b)

f. Pollution"Bodily injury" or "property damage" arisingout of the actual, alleged or threatened dis-charge, dispersal, seepage, migration, re-lease or escape of "pollutants":

(1)

This exclusion applies whether the insured maybe liable as an employer or in any other capacityand to any obligation to share damages with orrepay someone else who must pay damagesbecause of the injury.This exclusion does not apply to liability as-sumed by the insured under an "insured con-tract".

Employment by the insured; or(a)

"Bodily injury" to:(1)

At or from any premises, site or locationwhich is or was at any time owned or oc-cupied by, or rented or loaned to, any in-sured. However, this subparagraph doesnot apply to:

(a)

"Bodily injury" if sustained within abuilding and caused by smoke, fumes,vapor or soot produced by or originatingfrom equipment that is used to heat,cool or dehumidify the building, or e-quipment that is used to heat water forpersonal use, by the building's occu-pants or their guests;

(i)

This insurance does not apply to:Exclusions2.

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

Page 2 of 14Copyright, Insurance Services Office, Inc., 2012CG 00 01 04 13

Providing or failing to provide transpor-tation with respect to any person that maybe under the influence of alcohol;

(b)

The supervision, hiring, employment,training or monitoring of others by that in-sured; or

(a)

if the "occurrence" which caused the "bodily in-jury" or "property damage", involved that whichis described in Paragraph (1), (2) or (3) above.However, this exclusion applies only if you are inthe business of manufacturing, distributing, sell-ing, serving or furnishing alcoholic beverages.For the purposes of this exclusion, permitting aperson to bring alcoholic beverages on yourpremises, for consumption on your premises,whether or not a fee is charged or a license isrequired for such activity, is not by itself consid-ered the business of selling, serving or furnish-ing alcoholic beverages.

"Bodily injury" or "property damage" forwhich you may be held liable, if you area contractor and the owner or lessee ofsuch premises, site or location has beenadded to your policy as an additional in-sured with respect to your ongoing op-erations performed for that additional in-sured at that premises, site or locationand such premises, site or location isnot and never was owned or occupiedby, or rented or loaned to, any insured,other than that additional insured; or

(ii)

"Bodily injury" or "property damage" a-rising out of heat, smoke or fumes froma "hostile fire";

(iii)

Which are or were at any time trans-ported, handled, stored, treated, disposedof, or processed as waste by or for:

(c)

At or from any premises, site or locationon which any insured or any contractors orsubcontractors working directly or indirect-ly on any insured's behalf are performingoperations if the "pollutants" are broughton or to the premises, site or location inconnection with such operations by suchinsured, contractor or subcontractor. How-ever, this subparagraph does not apply to:

(d)

(i) Any insured; or(ii) Any person or organization for whom

you may be legally responsible; or

At or from any premises, site or locationwhich is or was at any time used by or forany insured or others for the handling,storage, disposal, processing or treatmentof waste;

(b)

"Bodily injury" or "property damage" a-rising out of the escape of fuels, lubri-cants or other operating fluids which areneeded to perform the normal electrical,hydraulic or mechanical functions nec-essary for the operation of "mobile e-quipment" or its parts, if such fuels,lubricants or other operating fluids es-cape from a vehicle part designed tohold, store or receive them. This ex-ception does not apply if the "bodily in-jury" or "property damage" arises out ofthe intentional discharge, dispersal orrelease of the fuels, lubricants or otheroperating fluids, or if such fuels, lubri-cants or other operating fluids arebrought on or to the premises, site orlocation with the intent that they be dis-charged, dispersed or released as partof the operations being performed bysuch insured, contractor or subcontrac-tor;

(i)

(ii) "Bodily injury" or "property damage"sustained within a building and causedby the release of gases, fumes or va-pors from materials brought into thatbuilding in connection with operationsbeing performed by you or on yourbehalf by a contractor or subcontractor;or

(iii) "Bodily injury" or "property damage" a-rising out of heat, smoke or fumes froma "hostile fire".

At or from any premises, site or location onwhich any insured or any contractors orsubcontractors working directly or indirectlyon any insured's behalf are performing op-erations if the operations are to test for,monitor, clean up, remove, contain, treat,detoxify or neutralize, or in any way re-spond to, or assess the effects of, "pol-lutants".

(e)

Any loss, cost or expense arising out of any:(2)Request, demand, order or statutory orregulatory requirement that any insured orothers test for, monitor, clean up, remove,contain, treat, detoxify or neutralize, or inany way respond to, or assess the effectsof, "pollutants"; or

(a)

Claim or "suit" by or on behalf of a gov-ernmental authority for damages becauseof testing for, monitoring, cleaning up, re-moving, containing, treating, detoxifying orneutralizing, or in any way responding to,or assessing the effects of, "pollutants".

(b)

However, this paragraph does not apply toliability for damages because of "propertydamage" that the insured would have inthe absence of such request, demand,order or statutory or regulatory require-ment, or such claim or "suit" by or onbehalf of a governmental authority.

g."Bodily injury" or "property damage" arising outof the ownership, maintenance, use or en-trustment to others of any aircraft, "auto" orwatercraft owned or operated by or rented orloaned to any insured. Use includes operationand "loading or unloading".

Aircraft, Auto or Watercraft

This exclusion applies even if the claims againstany insured allege negligence or other wrong-doing in the supervision, hiring, employment,training or monitoring of others by that insured, ifthe "occurrence" which caused the "bodily in-jury" or "property damage" involved the owner-ship, maintenance, use or entrustment to othersof any aircraft, "auto" or watercraft that is ownedor operated by or rented or loaned to any in-sured.


"Bodily injury" or "property damage" arisingout of:

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

This exclusion does not apply to:

Not being used to carry persons or prop-erty for a charge;

(b)

(5)

Less than 26 feet long; and(a)

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

(3)

A watercraft while ashore on premises youown or rent;

Liability assumed under any "insured con-tract" for the ownership, maintenance or useof aircraft or watercraft; or

(4)

(1)

The operation of machinery or equipmentthat is attached to, or part of, a land vehi-cle that would qualify under the definitionof "mobile equipment" if it were not subjectto a compulsory or financial responsibilitylaw or other motor vehicle insurance lawwhere it is licensed or principally garaged;or

(a)

The operation of any of the machinery orequipment listed in Paragraph f.(2) or f.(3)of the definition of "mobile equipment".

(b)

The use of "mobile equipment" in, or while inpractice for, or while being prepared for, anyprearranged racing, speed, demolition orstunting activity.

(2)

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

The transportation of "mobile equipment" byan "auto" owned or operated by or rented orloaned to any insured; or

(1)

i. War

Warlike action by a military force, includingaction in hindering or defending against anactual or expected attack, by any govern-ment, sovereign or other authority usingmilitary personnel or other agents; or

(2)

"Bodily injury" or "property damage", howevercaused, arising, directly or indirectly, out of:

War, including undeclared or civil war;(1)

Insurrection, rebellion, revolution, usurpedpower, or action taken by governmental au-thority in hindering or defending against anyof these.

(3)

j. Damage to Property"Property damage" to:

Property you own, rent or occupy, includingany costs or expenses incurred by you, orany other person, organization or entity, forrepair, replacement, enhancement, restora-tion or maintenance of such property for anyreason, including prevention of injury to a per-son or damage to another's property;

(1)


Personal property in the care, custody or con-trol of the insured;

Property loaned to you;(3)

Premises you sell, give away or abandon, ifthe "property damage" arises out of any partof those premises;

(2)

(4)

That particular part of real property on whichyou or any contractors or subcontractorsworking directly or indirectly on your behalfare performing operations, if the "propertydamage" arises out of those operations; or

(5)

That particular part of any property that mustbe restored, repaired or replaced because"your work" was incorrectly performed on it.

(6)

Paragraph (2) of this exclusion does not apply ifthe premises are "your work" and were neveroccupied, rented or held for rental by you.

Paragraphs (1), (3) and (4) of this exclusion donot apply to "property damage" (other than dam-age by fire) to premises, including the contentsof such premises, rented to you for a period ofseven or fewer consecutive days. A separatelimit of insurance applies to Damage To Prem-ises Rented To You as described in Section III -Limits Of Insurance.

Paragraphs (3), (4), (5) and (6) of this exclusiondo not apply to liability assumed under a side-track agreement.Paragraph (6) of this exclusion does not apply to"property damage" included in the "products-completed operations hazard".

"Property damage" to "your product" arising outof it or any part of it.

k. Damage to Your Product

"Property damage" to "your work" arising out ofit or any part of it and included in the "products-completed operations hazard".

l. Damage to Your Work

This exclusion does not apply if the damagedwork or the work out of which the damage a-rises was performed on your behalf by a sub-contractor.

m.

"Property damage" to "impaired property" orproperty that has not been physically injured,arising out of:

Damage to Impaired Property or PropertyNot Physically Injured

This exclusion does not apply to the loss of useof other property arising out of sudden andaccidental physical injury to "your product" or"your work" after it has been put to its intendeduse.

A delay or failure by you or anyone acting onyour behalf to perform a contract or agree-ment in accordance with its terms.

(2)

A defect, deficiency, inadequacy or dan-gerous condition in "your product" or "yourwork"; or

(1)

n. Recall of Products, Work or Impaired Prop-erty

"Impaired property";(3)

"Your product";(1)

Damages claimed for any loss, cost or expenseincurred by you or others for the loss of use,withdrawal, recall, inspection, repair, replace-ment, adjustment, removal or disposal of:

"Your work"; or(2)

if such product, work, or property is withdrawnor recalled from the market or from use by anyperson or organization because of a known orsuspected defect, deficiency, inadequacy ordangerous condition in it.

o. Personal and Advertising Injury

"Bodily injury" arising out of "personal and ad-vertising injury".

p. Electronic DataDamages arising out of the loss of, loss of useof, damage to, corruption of, inability to access,or inability to manipulate electronic data.

As used in this exclusion, electronic data meansinformation, facts or programs stored as or on,created or used on, or transmitted to or fromcomputer software, including systems and ap-plications software, hard or floppy disks, CD-ROMs, tapes, drives, cells, data processing de-vices or any other media which are used withelectronically controlled equipment.

However, this exclusion does not apply to lia-bility for damages because of "bodily injury".

Exclusions c. through n. do not apply to dam-age by fire to premises while rented to you ortemporarily occupied by you with permission ofthe owner. A separate limit of insurance appliesto this coverage as described in Section III -Limits Of Insurance.

q.

"Bodily injury" or "property damage" arising di-rectly or indirectly out of any action or omissionthat violates or is alleged to violate:

Recording And Distribution Of Material OrInformation In Violation Of Law

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

(1)

The CAN-SPAM Act of 2003, including anyamendment of or addition to such law;

(2)

The Fair Credit Reporting Act (FCRA), andany amendment of or addition to such law,including the Fair and Accurate Credit Trans-actions Act (FACTA); or


(3)

Any federal, state or local statute, ordinanceor regulation, other than the TCPA, CAN-SPAM Act of 2003 or FCRA and their a-mendments and additions, that addresses,prohibits, or limits the printing, dissemination,disposal, collecting, recording, sending,transmitting, communicating or distribution ofmaterial or information.

(4)

We will pay those sums that the insured be-comes legally obligated to pay as damages be-cause of "personal and advertising injury" towhich this insurance applies. We will have theright and duty to defend the insured against any"suit" seeking those damages. However, we willhave no duty to defend the insured against any"suit" seeking damages for "personal and ad-vertising injury" to which this insurance does notapply. We may, at our discretion, investigate anyoffense and settle any claim or "suit" that mayresult. But:

Insuring Agreement

COVERAGE B - PERSONAL AND ADVERTISINGINJURY LIABILITY1.

a.

Our right and duty to defend end when wehave used up the applicable limit of insurancein the payment of judgments or settlementsunder Coverages A or B or medical ex-penses under Coverage C.

(2)

The amount we will pay for damages is lim-ited as described in Section III - Limits of In-surance; and

(1)

No other obligation or liability to pay sums orperform acts or services is covered unless ex-plicitly provided for under Supplementary Pay-ments - Coverages A And B.This insurance applies to "personal and ad-vertising injury" caused by an offense arisingout of your business but only if the offense wascommitted in the "coverage territory" during thepolicy period.

b.

Exclusions2.This insurance does not apply to:

"Personal and advertising injury" caused by or atthe direction of the insured with the knowledgethat the act would violate the rights of anotherand would inflict "personal and advertisinginjury".

Knowing Violation Of Rights Of Anothera.

"Personal and advertising injury" arising out oforal or written publication, in any manner, of ma-terial whose first publication took place beforethe beginning of the policy period.

Material Published Prior to Policy Period

"Personal and advertising injury" arising out of acriminal act committed by or at the direction ofthe insured.

c.

Criminal Actsd.

"Personal and advertising injury" for which theinsured has assumed liability in a contract oragreement. This exclusion does not apply to lia-bility for damages that the insured would have inthe absence of the contract or agreement.

Contractual Liabilitye.

Breach Of Contractf."Personal and advertising injury" arising out of abreach of contract, except an implied contract touse another's advertising idea in your "adver-tisement".

"Personal and advertising injury" arising out oforal or written publication, in any manner, of ma-terial, if done by or at the direction of the insuredwith knowledge of its falsity.

Material Published With Knowledge Of Fal-sity

b.

Quality Of Performance Of Goods - FailureTo Conform To Statements"Personal and advertising injury" arising out ofthe failure of goods, products or services to con-form with any statement of quality or perfor-mance made in your "advertisement".Wrong Description Of Prices"Personal and advertising injury" arising out ofthe wrong description of the price of goods,products or services stated in your "advertise-ment".

g.

h.

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

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

Insureds In Media And Internet Type Busi-nesses"Personal and advertising injury" committed byan insured whose business is:

j.

(1)Advertising, broadcasting, publishing or tele-casting;

(3)An Internet search, access, content or serviceprovider.

Page 6 of 14CG 00 01 04 13 Copyright, Insurance Services Office, Inc., 2012

However, this exclusion does not apply to Par-agraphs 14.a., b. and c. of "personal and ad-vertising injury" under the Definitions section.

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

k.

For the purposes of this exclusion, the placing offrames, borders or links, or advertising, for youor others anywhere on the Internet, is not byitself, considered the business of advertising,broadcasting, publishing or telecasting.

Unauthorized Use Of Another's Name OrProduct"Personal and advertising injury" arising out ofthe unauthorized use of another's name or pro-duct in your e-mail address, domain name ormetatag, or any other similar tactics to misleadanother's potential customers.

l.

Request, demand, order or statutory or reg-ulatory requirement that any insured or oth-ers test for, monitor, clean up, remove, con-tain, treat, detoxify or neutralize, or in anyway respond to, or assess the effects of,"pollutants"; or

(1)

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

(2)

Any loss, cost or expense arising out of any:

Pollution"Personal and advertising injury" arising out ofthe actual, alleged or threatened discharge, dis-persal, seepage, migration, release or escape of"pollutants" at any time.

m.

Pollution-relatedn.

Waro.

War, including undeclared or civil war;(1)

"Personal and advertising injury", howevercaused, arising, directly or indirectly, out of:

Warlike action by a military force, includingaction in hindering or defending against anactual or expected attack, by any govern-ment, sovereign or other authority usingmilitary personnel or other agents; or

(2)

p.

"Personal and advertising injury" arising directlyor indirectly out of any action or omission thatviolates or is alleged to violate:

Recording And Distribution Of Material OrInformation In Violation Of Law

Insurrection, rebellion, revolution, usurpedpower, or action taken by governmental au-thority in hindering or defending against anyof these.

(3)

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

(1)

The CAN-SPAM Act of 2003, including any a-mendment of or addition to such law;

(2)

(3)The Fair Credit Reporting Act (FCRA), andany amendment of or addition to such law, in-cluding the Fair and Accurate Credit Trans-actions Act (FACTA); or

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

Insuring Agreement1.COVERAGE C - MEDICAL PAYMENTS

(4)Any federal, state or local statute, ordinanceor regulation, other than the TCPA, CAN-SPAM Act of 2003 or FCRA and their a-mendments and additions, that addresses,prohibits, or limits the printing, dissemination,disposal, collecting, recording, sending, trans-mitting, communicating or distribution of ma-terial or information.

On premises you own or rent;(1)On ways next to premises you own or rent; or(2)Because of your operations;(3)

provided that:

The injured person submits to examination,at our expense, by physicians of our choiceas often as we reasonably require.

(c)

The expenses are incurred and reported tous within one year of the date of the acci-dent; and

(b)

We will make these payments regardless offault. These payments will not exceed the appli-cable limit of insurance. We will pay reasonableexpenses for:

b.

First aid administered at the time of an ac-cident;

(1)

Necessary medical, surgical, X-ray and den-tal services, including prosthetic devices; and

(2)

Necessary ambulance, hospital, professionalnursing and funeral services.

(3)


The accident takes place in the "coverageterritory" and during the policy period;

(a)

Exclusions

a.

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

Any InsuredTo any insured, except "volunteer workers".

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

Hired Person

c.To a person injured on that part of premises youown or rent that the person normally occupies.

Injury On Normally Occupied Premises

d.To a person, whether or not an "employee" ofany insured, if benefits for the "bodily injury" arepayable or must be provided under a workers'compensation or disability benefits law or similarlaw.

Workers' Compensation And Similar Laws

g.

e.To a person injured while practicing, instructingor participating in any physical exercises orgames, sports, or athletic contests.

Excluded under Coverage A.

f.Included within the "products-completed opera-tions hazard".

Athletics Activities

Products-Completed Operations Hazard

Coverage A Exclusions

SUPPLEMENTARY PAYMENTS - COVERAGES AAND B

All expenses we incur.a.Up to $250 for cost of bail bonds required be-cause of accidents or traffic law violations a-rising out of the use of any vehicle to which theBodily Injury Liability Coverage applies. We donot have to furnish these bonds.

b.

We will pay, with respect to any claim we investi-gate or settle, or any "suit" against an insured wedefend:

1.

The cost of bonds to release attachments, butonly for bond amounts within the applicable limitof insurance. We do not have to furnish thesebonds.

c.

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

e.

All reasonable expenses incurred by the insuredat our request to assist us in the investigation ordefense of the claim or "suit", including actualloss of earnings up to $250 a day because oftime off from work.

d.

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

f.

All interest on the full amount of any judgmentthat accrues after entry of the judgment andbefore we have paid, offered to pay, or de-posited in court the part of the judgment that iswithin the applicable limit of insurance.

g.

These payments will not reduce the limits of in-surance.If we defend an insured against a "suit" and anindemnitee of the insured is also named as a partyto the "suit", we will defend that indemnitee if all ofthe following conditions are met:

2.

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

b. This insurance applies to such liability assumedby the insured;

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

e. The indemnitee and the insured ask us to con-duct and control the defense of that indemniteeagainst such "suit" and agree that we can assignthe same counsel to defend the insured and theindemnitee; and

d. The allegations in the "suit" and the informationwe know about the "occurrence" are such thatno conflict appears to exist between the in-terests of the insured and the interests of theindemnitee;

f. The indemnitee:(1)Agrees in writing to:

(a)

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

Cooperate with us in the investigation, set-tlement or defense of the "suit";

(d)Cooperate with us with respect to coordi-nating other applicable insurance availableto the indemnitee; and

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


(2)Provides us with written authorization to:

(b) Conduct and control the defense of theindemnitee in such "suit".

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

So long as the above conditions are met, attorneys'fees incurred by us in the defense of that in-demnitee, necessary litigation expenses incurredby us and necessary litigation expenses incurredby the indemnitee at our request will be paid asSupplementary Payments. Notwithstanding theprovisions of Paragraph 2.b.(2) of Section I - Cov-erage A - Bodily Injury And Property Damage Lia-bility, such payments will not be deemed to bedamages for "bodily injury" and "property damage"and will not reduce the limits of insurance.Our obligation to defend an insured's indemniteeand to pay for attorneys' fees and necessary liti-gation expenses as Supplementary Paymentsends when we have used up the applicable limit ofinsurance in the payment of judgments or settle-ments or the conditions set forth above, or theterms of the agreement described in Paragraph f.above, are no longer met.

a. An individual, you and your spouse are insureds,but only with respect to the conduct of a busi-ness of which you are the sole owner.

If you are designated in the Declarations as:1.SECTION II - WHO IS AN INSURED

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

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

d. An organization other than a partnership, jointventure or limited liability company, you are aninsured. Your "executive officers" and directorsare insureds, but only with respect to their dutiesas your officers or directors. Your stockholdersare also insureds, but only with respect to theirliability as stockholders.

e. A trust, you are an insured. Your trustees arealso insureds, but only with respect to their du-ties as trustees.

Each of the following is also an insured:2.a. Your "volunteer workers" only while performing

duties related to the conduct of your business,or your "employees", other than either your "ex-ecutive officers" (if you are an organization otherthan a partnership, joint venture or limited lia-bility company) or your managers (if you are alimited liability company), but only for acts withinthe scope of their employment by you or whileperforming duties related to the conduct of yourbusiness. However, none of these "employees"or "volunteer workers" are insureds for:(1) "Bodily injury" or "personal and advertising

injury":To you, to your partners or members (ifyou are a partnership or joint venture), toyour members (if you are a limited liabilitycompany), a co-"employee" while in thecourse of his or her employment or per-forming duties related to the conduct ofyour business, or to your other "volunteerworkers" while performing duties relatedto the conduct of your business;

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

(a)

(d) Arising out of his or her providing or fail-ing to provide professional health careservices.

(c) For which there is any obligation to sharedamages with or repay someone else whomust pay damages because of the injurydescribed in Paragraph (1)(a) or (b) a-bove; or

(2)(a)Owned, occupied or used by;(b)Rented to, in the care, custody or

control of, or over which physical controlis being exercised for any purpose by;

"Property damage" to property:

you, any of your "employees", "volunteerworkers", any partner or member (if youare a partnership or joint venture), or anymember (if you are a limited liability com-pany).

b. Any person (other than your "employee" or "vol-unteer worker"), or any organization while actingas your real estate manager.

c. Any person or organization having proper tem-porary custody of your property if you die, butonly:

(2)Until your legal representative has been ap-pointed.

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

d.

Any organization you newly acquire or form, otherthan a partnership, joint venture or limited liabilitycompany, and over which you maintain ownershipor majority interest, will qualify as a Named Insuredif there is no other similar insurance available tothat organization. However:

3.

a.

Your legal representative if you die, but only withrespect to duties as such. That representativewill have all your rights and duties under thisCoverage Part.

Coverage under this provision is afforded onlyuntil the 90th day after you acquire or form theorganization or the end of the policy period,whichever is earlier;

c. Coverage B does not apply to "personal andadvertising injury" arising out of an offensecommitted before you acquired or formed the or-ganization.

b. Coverage A does not apply to "bodily injury" or"property damage" that occurred before youacquired or formed the organization; and

No person or organization is an insured with re-spect to the conduct of any current or past part-nership, joint venture or limited liability companythat is not shown as a Named Insured in the Dec-larations.

a. Insureds;b. Claims made or "suits" brought; or

1. The Limits of Insurance shown in the Declarationsand the rules below fix the most we will payregardless of the number of:

c. Persons or organizations making claims orbringing "suits".

SECTION III - LIMITS OF INSURANCE


The General Aggregate Limit is the most we willpay for the sum of:

2.

a. Medical expenses under Coverage C;b. Damages under Coverage A, except damages

because of "bodily injury" or "property damage"included in the "products-completed operationshazard"; and

The Products-Completed Operations AggregateLimit is the most we will pay under Coverage A fordamages because of "bodily injury" and "propertydamage" included in the "products-completed op-erations hazard".

3.c. Damages under Coverage B.

Subject to Paragraph 2. above, the Personal AndAdvertising Injury Limit is the most we will pay un-der Coverage B for the sum of all damages be-cause of all "personal and advertising injury" sus-tained by any one person or organization.

4.

5.

b. Medical expenses under Coverage Ca. Damages under Coverage A; and

because of all "bodily injury" and "property dam-age" arising out of any one "occurrence".

Subject to Paragraph 2. or 3. above, whicheverapplies, the Each Occurrence Limit is the most wewill pay for the sum of:

Subject to Paragraph 5. above, the Damage ToPremises Rented To You Limit is the most we willpay under Coverage A for damages because of"property damage" to any one premises, whilerented to you, or in the case of damage by fire,while rented to you or temporarily occupied by youwith permission of the owner.

6.

7. Subject to Paragraph 5. above, the Medical Ex-pense Limit is the most we will pay under Cov-erage C for all medical expenses because of"bodily injury" sustained by any one person.

The Limits of Insurance of this Coverage Part applyseparately to each consecutive annual period and toany remaining period of less than 12 months, startingwith the beginning of the policy period shown in theDeclarations, unless the policy period is extendedafter issuance for an additional period of less than 12months. In that case, the additional period will bedeemed part of the last preceding period for purposesof determining the Limits of Insurance.SECTION IV - COMMERCIAL GENERAL LIABILITYCONDITIONS1.

Bankruptcy or insolvency of the insured or of theinsured's estate will not relieve us of our obligationsunder this Coverage Part.

Bankruptcy

2. Duties In The Event Of Occurrence, Offense,Claim Or Suita. You must see to it that we are notified as soon

as practicable of an "occurrence" or an offensewhich may result in a claim. To the extent pos-sible, notice should include:(1)How, when and where the "occurrence" or

offense took place;

(3)

(2)The names and addresses of any injuredpersons and witnesses; andThe nature and location of any injury or dam-age arising out of the "occurrence" or offense.

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

b.

You must see to it that we receive written noticeof the claim or "suit" as soon as practicable.

(2)Notify us as soon as practicable.

If a claim is made or "suit" is brought againstany insured, you must:

Authorize us to obtain records and otherinformation;

(2)

c. You and any other involved insured must:Immediately send us copies of any de-mands, notices, summonses or legal papersreceived in connection with the claim or "suit";

(1)

Cooperate with us in the investigation or set-tlement of the claim or defense against the"suit"; and

(3)

Assist us, upon our request, in the enforce-ment of any right against any person or or-ganization which may be liable to the insuredbecause of injury or damage to which this in-surance may also apply.

(4)

d. No insured will, except at that insured's owncost, voluntarily make a payment, assume anyobligation, or incur any expense, other than forfirst aid, without our consent.


b. To sue us on this Coverage Part unless all of itsterms have been fully complied with.

a.

Legal Action Against Us3.No person or organization has a right under thisCoverage Part:

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

Other Insurance4.If other valid and collectible insurance is availableto the insured for a loss we cover under CoveragesA or B of this Coverage Part, our obligations arelimited as follows:

A person or organization may sue us to recover onan agreed settlement or on a final judgment a-gainst an insured; but we will not be liable fordamages that are not payable under the terms ofthis Coverage Part or that are in excess of theapplicable limit of insurance. An agreed settlementmeans a settlement and release of liability signedby us, the insured and the claimant or the claim-ant's legal representative.

a. Primary InsuranceThis insurance is primary except when Para-graph b. below applies. If this insurance is pri-mary, our obligations are not affected unless anyof the other insurance is also primary. Then, wewill share with all that other insurance by themethod described in Paragraph c. below.

b. Excess InsuranceThis insurance is excess over:(1)

That is insurance purchased by you tocover your liability as a tenant for "prop-erty damage" to premises rented to youor temporarily occupied by you with per-mission of the owner; or

Any other insurance, whether primary, ex-cess, contingent or on any other basis:

(a)

That is Fire insurance for premisesrented to you or temporarily occupiedby you with permission of the owner;

(ii)

(iii)

That is Fire, Extended Coverage, Build-er's Risk, Installation Risk or similarcoverage for "your work";

(i)

If the loss arises out of the maintenanceor use of aircraft, "autos" or watercraftto the extent not subject to Exclusiong. of Section I - Coverage A - Bodily In-jury And Property Damage Liability.

(iv)

Any other primary insurance available toyou covering liability for damages arisingout of the premises or operations, or theproducts and completed operations, forwhich you have been added as an addi-tional insured.

(b)

When this insurance is excess over otherinsurance, we will pay only our share of theamount of the loss, if any, that exceeds thesum of:

(3)

When this insurance is excess, we will haveno duty under Coverages A or B to defendthe insured against any "suit" if any otherinsurer has a duty to defend the insuredagainst that "suit". If no other insurer defends,we will undertake to do so, but we will beentitled to the insured's rights against allthose other insurers.

(2)

The total amount that all such other in-surance would pay for the loss in the ab-sence of this insurance; and

(a)

We will share the remaining loss, if any, withany other insurance that is not described inthis Excess Insurance provision and was notbought specifically to apply in excess of theLimits of Insurance shown in the Declarationsof this Coverage Part.

The total of all deductible and self-insuredamounts under all that other insurance.

(b)

(4)

c. Method of SharingIf all of the other insurance permits contributionby equal shares, we will follow this method also.Under this approach each insurer contributesequal amounts until it has paid its applicablelimit of insurance or none of the loss remains,whichever comes first.

If any of the other insurance does not permitcontribution by equal shares, we will contributeby limits. Under this method, each insurer'sshare is based on the ratio of its applicable limitof insurance to the total applicable limits of in-surance of all insurers.

Premium Audit5.a. We will compute all premiums for this Coverage

Part in accordance with our rules and rates.b. Premium shown in this Coverage Part as ad-

vance premium is a deposit premium only. Atthe close of each audit period we will computethe earned premium for that period and sendnotice to the first Named Insured. The due datefor audit and retrospective premiums is the dateshown as the due date on the bill. If the sum ofthe advance and audit premiums paid for thepolicy period is greater than the earned pre-mium, we will return the excess to the firstNamed Insured.

c. The first Named Insured must keep records ofthe information we need for premium compu-tation, and send us copies at such times as wemay request.

c.

By accepting this policy, you agree:

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

Representations6.

We have issued this policy in reliance upon yourrepresentations.

a. The statements in the Declarations are accurateand complete;

b. Separately to each insured against whom claimis made or "suit" is brought.

If the insured has rights to recover all or part of anypayment we have made under this Coverage Part,those rights are transferred to us. The insuredmust do nothing after loss to impair them. At ourrequest, the insured will bring "suit" or transferthose rights to us and help us enforce them.

Transfer Of Rights Of Recovery Against OthersTo Us

8.

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

Except with respect to the Limits of Insurance, andany rights or duties specifically assigned in thisCoverage Part to the first Named Insured, this in-surance applies:

Separation of Insureds7.

Page 11 of 14Copyright, Insurance Services Office, Inc., 2012

If we decide not to renew this Coverage Part, wewill mail or deliver to the first Named Insuredshown in the Declarations written notice of thenonrenewal not less than 30 days before the ex-piration date.

9. When We Do Not Renew

If notice is mailed, proof of mailing will be sufficientproof of notice.

SECTION V - DEFINITIONS1. "Advertisement" means a notice that is broadcast

or published to the general public or specificmarket segments about your goods, products orservices for the purpose of attracting customers orsupporters. For the purposes of this definition:a. Notices that are published include material

placed on the Internet or on similar electronicmeans of communication; and

b. Regarding web -sites, only that part of a web-site that is about your goods, products or ser-vices for the purposes of attracting customers orsupporters is considered an advertisement.

"Auto" means:2.a.

b. Any other land vehicle that is subject to a com-pulsory or financial responsibility law or othermotor vehicle insurance law where it is licensedor principally garaged.

However, "auto" does not include "mobile equip-ment".

"Coverage territory" means:4.

"Bodily injury" means bodily injury, sickness or dis-ease sustained by a person, including death re-sulting from any of these at any time.

3.

a. The United States of America (including its terri-tories and possessions), Puerto Rico and Can-ada;

b.

c.

International waters or airspace, but only if theinjury or damage occurs in the course of travelor transportation between any places included inParagraph a. above; orAll other parts of the world if the injury or dam-age arises out of:

Goods or products made or sold by you inthe territory described in Paragraph a. above;

(1)

The activities of a person whose home is inthe territory described in Paragraph a. above,but is away for a short time on your busi-ness; or

(2)

"Personal and advertising injury" offensesthat take place through the Internet or similarelectronic means of communication

(3)

provided the insured's responsibility to pay dam-ages is determined in a "suit" on the merits, inthe territory described in Paragraph a. above orin a settlement we agree to.

"Executive officer" means a person holding any ofthe officer positions created by your charter, consti-tution, by-laws or any other similar governing docu-ment.

6.

"Employee" includes a "leased worker". "Employ-ee" does not include a "temporary worker".

5.

CG 00 01 04 13

A land motor vehicle, trailer or semitrailer de-signed for travel on public roads, including anyattached machinery or equipment; or

a. A contract for a lease of premises. However,that portion of the contract for a lease of prem-ises that indemnifies any person or organizationfor damage by fire to premises while rented toyou or temporarily occupied by you with permis-sion of the owner is not an "insured contract";

"Insured contract" means:9.

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

d. An obligation, as required by ordinance, to in-demnify a municipality, except in connectionwith work for a municipality;

b. A sidetrack agreement;

"Impaired property" means tangible property, otherthan "your product" or "your work", that cannot beused or is less useful because:

8.

a. It incorporates "your product" or "your work" thatis known or thought to be defective, deficient,inadequate or dangerous; or

"Hostile fire" means one which becomes uncon-trollable or breaks out from where it was intendedto be.

7.

if such property can be restored to use by the re-pair, replacement, adjustment or removal of "yourproduct" or "your work"; or your fulfilling the termsof the contract or agreement.

b. You have failed to fulfill the terms of a contractor agreement;


e. An elevator maintenance agreement;f.

Paragraph f. does not include that part of anycontract or agreement:

That part of any other contract or agreementpertaining to your business (including an indem-nification of a municipality in connection withwork performed for a municipality) under whichyou assume the tort liability of another party topay for "bodily injury" or "property damage" to athird person or organization. Tort liability meansa liability that would be imposed by law in theabsence of any contract or agreement.

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

(1)

That indemnifies an architect, engineer orsurveyor for injury or damage arising out of:

(2)

Preparing, approving or failing to prepareor approve, maps, shop drawings, opin-ions, reports, surveys, field orders, changeorders, or drawings and specifications; or

(a)

Giving directions or instructions, or failingto give them, if that is the primary cause ofthe injury or damage; or

(b)

Under which the insured, if an architect,engineer or surveyor, assumes liability for aninjury or damage arising out of the insured'srendering or failure to render professionalservices, including those listed in (2) aboveand supervisory, inspection, architectural orengineering activities.

(3)

a. After it is moved from the place where it isaccepted for movement into or onto an aircraft,watercraft or "auto";

"Loading or unloading" means the handling ofproperty:

11.

"Leased worker" means a person leased to you bya labor leasing firm under an agreement betweenyou and the labor leasing firm, to perform dutiesrelated to the conduct of your business. "Leasedworker" does not include a "temporary worker".

10.

b.

but "loading or unloading" does not include themovement of property by means of a mechanicaldevice, other than a hand truck, that is not at-tached to the aircraft, watercraft or "auto".

While it is in or on an aircraft, watercraft or"auto"; or

c. While it is being moved from an aircraft, water-craft or "auto" to the place where it is finally de-livered;

"Mobile equipment" means any of the followingtypes of land vehicles, including any attached ma-chinery or equipment:

12.

c. Vehicles that travel on crawler treads;

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

a.

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

Bulldozers, farm machinery, forklifts and othervehicles designed for use principally off publicroads;

Power cranes, shovels, loaders, diggers ordrills; orRoad construction or resurfacing equipmentsuch as graders, scrapers or rollers;

(2)

(1)

e. Vehicles not described in Paragraph a., b., c. ord. above that are not self-propelled and aremaintained primarily to provide mobility to per-manently attached equipment of the followingtypes:

Air compressors, pumps and generators, in-cluding spraying, welding, building cleaning,geophysical exploration, lighting and well ser-vicing equipment; or

(1)

Cherry pickers and similar devices used toraise or lower workers;

(2)

CG 00 01 04 13

f. Vehicles not described in Paragraph a., b., c.,or d. above maintained primarily for purposesother than the transportation of persons or car-go.

Equipment designed primarily for:

Street cleaning;(c)

However, self-propelled vehicles with the follow-ing types of permanently attached equipmentare not "mobile equipment" but will be consid-ered "autos":

(1)Snow removal;(a)Road maintenance, but not construction orresurfacing; or

(b)

Cherry pickers and similar devices mountedon automobile or truck chassis and used toraise or lower workers; and

(2)

Air compressors, pumps and generators, in-cluding spraying, welding, building cleaning,geophysical exploration, lighting and well ser-vicing equipment.

(3)

However, "mobile equipment" does not include anyland vehicles that are subject to a compulsory orfinancial responsibility law or other motor vehicleinsurance law where it is licensed or principallygaraged. Land vehicles subject to a compulsory orfinancial responsibility law or other motor vehicleinsurance law are considered "autos".


b. Malicious prosecution;c. The wrongful eviction from, wrongful entry into,

or invasion of the right of private occupancy of aroom, dwelling or premises that a person oc-cupies, committed by or on behalf of its owner,landlord, or lessor;

d. Oral or written publication, in any matter, of ma-terial that slanders or libels a person or organi-zation or disparages a person's or organization'sgoods, products or services;

a. False arrest, detention or imprisonment;

"Occurrence" means an accident, including contin-uous or repeated exposure to substantially thesame general harmful conditions.

13.

"Personal and advertising injury" means injury,including consequential "bodily injury", arising outof one or more of the following offenses:

14.

e. Oral or written publication, in any matter, of ma-terial that violates a person's right of privacy;

f. The use of another's advertising idea in your"advertisement"; or

g. Infringing upon another's copyright, trade dress,or slogan in your "advertisement".

"Pollutants" mean any solid, liquid, gaseous orthermal irritant or contaminant, including smoke,vapor, soot, fumes, acids, alkalis, chemicals andwaste. Waste includes materials to be recycled,reconditioned or reclaimed.

15.

When that part of the work done at a jobsite has been put to its intended use byany person or organization other than an-other contractor or subcontractor workingon the same project.

(c)

"Products-completed operations hazard":16.a. Includes all "bodily injury" and "property dam-

age" occurring away from premises you own orrent and arising out of "your product" or "yourwork" except:

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

(1)

Work that has not yet been completed or a-bandoned. However, "your work" will bedeemed completed at the earliest of the fol-lowing times:

(2)

When all of the work to be done at the jobsite has been completed if your contractcalls for work at more than one job site.

(b)

When all of the work called for in yourcon- tract has been completed.

Work that may need service, mainte-nance, correction, repair or replacement,but which is otherwise complete, will betreated as completed.

(a)

(3)

b. Does not include "bodily injury" or "propertydamage" arising out of:

(2) The existence of tools, uninstalled equipmentor abandoned or unused materials; orProducts or operations for which the class-ification, listed in the Declarations or in a pol-icy Schedule, states that products-completedoperations are subject to the General Aggre-gate Limit.

(1) The transportation of property, unless the in-jury or damage arises out of a condition in oron a vehicle not owned or operated by you,and that condition was created by the "load-ing or unloading" of that vehicle by any in-sured;

a. Physical injury to tangible property, including allresulting loss of use of that property. All suchloss of use shall be deemed to occur at the timeof the physical injury that caused it; or

"Property damage" means:17.

b. Loss of use of tangible property that is notphysically injured. All such loss of use shall bedeemed to occur at the time of the "occurrence"that caused it.

CG 00 01 04 13

For the purposes of this insurance, electronic datais not tangible property.

"Suit" means a civil proceeding in which damagesbecause of "bodily injury", "property damage" or"personal and advertising injury" to which this in-surance applies are alleged. "Suit" includes:

18.

As used in this definition, electronic data meansinformation, facts or programs stored as or on,created or used on, or transmitted to or from com-puter software, including systems and applica-tions software, hard or floppy disks, CD-ROMs,tapes, drives, cells, data processing devices or anyother media which are used with electronically con-trolled equipment.

a.

b. Any other alternative dispute resolution pro-ceeding in which such damages are claimed andto which the insured submits with our consent.

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

"Temporary worker" means a person who is fur-nished to you to substitute for a permanent "em-ployee" on leave or to meet seasonal or short-termworkload conditions.

19.

"Volunteer worker" means a person who is not your"employee", and who donates his or her work andacts at the direction of and within the scope ofduties determined by you, and is not paid a fee,salary or other compensation by you or anyoneelse for their work performed for you.

20.


b.

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

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

Includes:

A person or organization whose businessor assets you have acquired; and

(2)Containers (other than vehicles), materials,parts or equipment furnished in connectionwith such goods or products.

(1)

You;(a)Others trading under your name; or

21.a. Means:"Your product":

(c)

Any goods or products, other than real prop-erty, manufactured, sold, handled, distributedor disposed of by:

(b)

Does not include vending machines or otherproperty rented to or located for the use of oth-ers but not sold.

22.

(2)The providing of or failure to provide warningsor instructions.

b.(1)Warranties or representations made at any

time with respect to the fitness, quality, du-rability, performance or use of "your work";and

a. Means:"Your work":

(1)

Materials, parts or equipment furnished inconnection with such work or operations.

Includes:

c.

Work or operations performed by you or onyour behalf; and

(2)

CG 00 01 04 13

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

EXCLUSION - ACCESS OR DISCLOSURE OFCONFIDENTIAL OR PERSONAL INFORMATION AND

DATA-RELATED LIABILITY - WITHLIMITED BODILY INJURY EXCEPTION



B.

2.

As used in this exclusion, electronic da-ta means information, facts or pro-grams stored as or on, created or usedon, or transmitted to or from computersoftware, including systems and appli-cations software, hard or floppy disks,CD-ROMs, tapes, drives, cells, dataprocessing devices or any other mediawhich are used with electronically con-trolled equipment.

Exclusions

p.

A. Exclusion 2.p. of Section I - Coverage A - Bodi-ly Injury And Property Damage Liability is re-placed by the following:

Access Or Disclosure Of ConfidentialOr Personal Information And Data-relat-ed Liability

Page 1 of 1

This insurance does not apply to:

(1) Any access to or disclosure of anyperson’s or organization’s confiden-tial or personal information, includ-ing patents, trade secrets, process-ing methods, customer lists, finan-cial information, credit card infor-mation, health information or anyother type of nonpublic informa-tion; or

Damages arising out of:

(2) The loss of, loss of use of, damageto, corruption of, inability to ac-cess, or inability to manipulate elec-tronic data.

The following is added to Paragraph 2. Exclu-sions of Section I - Coverage B - Personal AndAdvertising Injury Liability:

2.

This exclusion applies even if damagesare claimed for notification costs, creditmonitoring expenses, forensic expens-es, public relations expenses or anyother loss, cost or expense incurred byyou or others arising out of that whichis described in Paragraph (1) or (2) a-bove.

However, unless Paragraph (1) aboveapplies, this exclusion does not applyto damages because of "bodily injury".

Exclusions


Access Or Disclosure Of Confidential OrPersonal Information

"Personal and advertising injury" arising outof any access to or disclosure of any per-son’s or organization’s confidential or per-sonal information, including patents, tradesecrets, processing methods, customerlists, financial information, credit card infor-mation, health information or any othertype of nonpublic information.

This exclusion applies even if damages areclaimed for notification costs, credit moni-toring expenses, forensic expenses, publicrelations expenses or any other loss, costor expense incurred by you or others aris-ing out of any access to or disclosure ofany person’s or organization’s confidentialor personal information.

POLICY NUMBER: COMMERCIAL GENERAL LIABILITY


EXCLUSION DESIGNATED PRODUCTS


COMMERCIAL GENERAL LIABILITY COVERAGE PARTPRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART

Designated Product(s):

CG 21 33 11 85 Copyright, Insurance Services Office, Inc., 1984

(If no entry appears above, information required to complete this endorsement will be shown in theDeclarations as applicable to this endorsement.)

This insurance does not apply to "bodily injury" or "property damage" included in the "products-completedoperations hazard" and arising out of any of "your products" shown in the Schedule.

SCHEDULE

Athletic exercise equipment, including gymnastic exercise equipment, which iseither manufactured by you or manufactured by others to your designspecifications.

3602AH022378-5

POLICY NUMBER: COMMERCIAL GENERAL LIABILITYCG 21 35 10 01


EXCLUSION - COVERAGE C - MEDICAL PAYMENTSThis endorsement modifies insurance provided under the following:


Description and Location of Premises or Classification:

CG 21 35 10 01 Copyright, ISO Properties, Inc., 2000

(If no entry appears above, information required to complete this endorsement will be shown in the Declarationsas applicable to this endorsement.)

SCHEDULE

With respect to any premises or classification shownin the Schedule:

1.

Page 1 of 1

Section I - Coverage C - Medical Paymentsdoes not apply and none of the references to it inthe Coverage Part apply: and

2. The following is added to Section I -Supplementary Payments:h. Expenses incurred by the insured for the first

aid administered to others at the time of anaccident for "bodily injury" to which thisinsurance applies.

Athletics or Sports participants or Volunteers

3602AH022378-5




TOTAL POLLUTION EXCLUSION ENDORSEMENT



Exclusion f. under Paragraph 2., Exclusions ofSection I - Coverage A - Bodily Injury And Property

Damage Liability is replaced by the following:

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

(1)

(a) Request, demand, order or statutory orregulatory requirement that any insured orothers test for, monitor, clean up, re-move, contain, treat, detoxify or neutralize,or in any way respond to, or assess theeffects of "pollutants"; or

"Bodily injury" or "property damage" whichwould not have occurred in whole or part butfor the actual, alleged or threatened discharge,dispersal, seepage, migration, release or es-cape of "pollutants" at any time.

f.

(b) Claim or suit by or on behalf of a gov-ernmental authority for damages becauseof testing for, monitoring, cleaning up, re-moving, containing, treating, detoxifyingor neutralizing, or in any way respondingto, or assessing the effects of "pollutants".


POLICY NUMBER:

Page 1 of 1

Pollution

3602AH022378-5

POLICY NUMBER: COMMERCIAL GENERAL LIABILITYCG 21 51 04 13


AMENDMENT OF LIQUOR LIABILITY EXCLUSION -EXCEPTION FOR SCHEDULED PREMISES OR ACTIVITIES



SCHEDULE

Description Of Premises Or Activities:

Liquor Liability

The following replaces Exclusion c. under Para-graph 2. Exclusions of Section I - Coverage A -Bodily Injury And Property Damage Liability:

Exclusions

The furnishing of alcoholic beverages toa person under the legal drinking age orunder the influence of alcohol; or

Providing or failing to provide trans-portation with respect to any personthat may be under the influence ofalcohol;

(b)

Manufacture, sell or distribute alcoholicbeverages;


(2)

Serve or furnish alcoholic beverages fora charge whether or not such activity:

(2)

(1)

if the "occurrence" which caused the "bodilyinjury" or "property damage", involved thatwhich is described in Paragraph (1), (2) or(3) above.

Requires a license;

Serve or furnish alcoholic beverageswithout a charge, if a license is requiredfor such activity; or

(3)

Permit any person to bring any alcoholicbeverages on your premises, for con-sumption on your premises.

The selling, serving or furnishingof alcoholic beverages at thespecified activity described in theSchedule; or

(4)

(i)

2.

(a)

Is for the purpose of financial gain orlivelihood;

c.


Information required to complete this Schedule, if not shown above, will be shown in the Declarations.

Causing or contributing to the intox-ication of any person, including causingor contributing to the intoxication of anyperson because alcoholic beverageswere permitted to be brought on yourpremises, for consumption on yourpremises;

(1)

"Bodily injury" or "property damage" forwhich any insured may be held liable byreason of:

Any statute, ordinance or regulationrelating to the sale, gift, distribution oruse of alcoholic beverages.

(3)

The supervision, hiring, employment,training or monitoring of others bythat insured; or

(a)

This exclusion applies even if the claims a-gainst any insured allege negligence or otherwrongdoing in:

This exclusion applies only if you:

Page 1 of 1

(b)

However, this exclusion does not apply to"bodily injury" or "property damage" arisingout of:

(ii) Permitting any person to bringany alcoholic beverages on thepremises described in the Sched-ule, for consumption on thepremises described in the Sched-ule.

.

3602AH022378-5



EXCLUSION - YEAR 2000 COMPUTER-RELATED ANDOTHER ELECTRONIC PROBLEMS




The following exclusion is added to Paragraph 2.,Exclusions of Section I - Coverage A - Bodily Injuryand Property Damage Liability and Paragraph 2.,Exclusions of Section I - Coverage B - Personal andAdvertising Injury Liability:

Exclusions

This insurance does not apply to "bodily injury","property damage", "personal injury" or"advertising injury" (or "personal andadvertising injury" if defined as such in yourpolicy) arising directly or indirectly out of:

Any actual or alleged failure, malfunction orinadequacy of:

Any of the following, whether belongingto any insured or to others:

2.

(1)

a.

Computer hardware, including micro-processors;

Computer application software;

Computer operating systems andrelated software;

(a)

(b)

(c)

Computer networks;

Microprocessors (computer chips) notpart of any computer system; or

Any other computerized or electronicequipment or companies; or

(d)

(e)

(f)

Any other products, and any services,data or functions that directly orindirectly use or rely upon, in anymanner, any of the items listed inParagraph 2.a.(1) of this endorsement.

(2)

Any advice, consultation, design, evaluation,inspection, installation, maintenance, repair,replacement or supervision provided or doneby you or for you to determine, rectify ortest for, any potential or actual problemsdescribed in Paragraph 2.a. of thisendorsement.

b.

due to the inability to correctly recognize,process, distinguish, interpret or accept theyear 2000 and beyond.

Page 1 of 1


COMMERCIAL GENERAL LIABILITY COVERAGE PARTLIQUOR LIABILITY COVERAGE PARTOWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PARTPOLLUTION LIABILITY COVERAGE PARTPRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PARTRAILROAD PROTECTIVE LIABILITY COVERAGE PARTUNDERGROUND STORAGE TANK POLICY


EXCLUSION OF CERTIFIED ACTS OF TERRORISM

COMMERCIAL GENERAL LIABILITY

CG 21 73 01 15


1.

The following exclusion is added:A.


"Any injury or damage" arising, directly or indi-rectly, out of a "certified act of terrorism". b. The act is a violent act or an act that is

dangerous to human life, property or in-frastructure and is committed by an in-dividual or individuals as part of an ef-fort to coerce the civilian population ofthe United States or to influence thepolicy or affect the conduct of the U-nited States Government by coercion.

The following definitions are added:

"Certified act of terrorism" means an actthat is certified by the Secretary of theTreasury, in accordance with the provisionsof the federal Terrorism Risk Insurance Act,to be an act of terrorism pursuant to suchAct. The criteria contained in the TerrorismRisk Insurance Act for a "certified act ofterrorism" include the following:

For the purposes of this endorsement, "anyinjury or damage" means any injury or dam-age covered under any Coverage Part towhich this endorsement is applicable, andincludes but is not limited to "bodily in-jury", "property damage", "personal andadvertising injury", "injury" or "environ-mental damage" as may be defined in anyapplicable Coverage Part.

TERRORISM

2.

B.

a. The act resulted in insured losses in ex-cess of $5 million in the aggregate, at-tributable to all types of insurance sub-ject to the Terrorism Risk InsuranceAct; and

The terms and limitations of any terrorism ex-clusion, or the inapplicability or omission of aterrorism exclusion, do not serve to create cov-erage for injury or damage that is otherwise ex-cluded under this Coverage Part.

C.

Copyright, ISO Properties, Inc., 2004


SILICA OR SILICA-RELATED DUST EXCLUSION

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

Exclusions of Section I - Coverage B - PersonalAnd Ad- vertising Injury Liability

CG 21 96 03 05

A.

Silica or Silica-Related Dust


B.

a.

Page 1 of 1

POLICY NUMBER:

2. Exclusions

"Bodily injury" arising, in whole or in part, outof the actual, alleged, threatened orsuspected inhalation of, or ingestion of,"silica" or "silica-related dust"

2.This insurance does not apply to:

b. "Property damage" arising , in whole or inpart, out of the actual, alleged, threatened orsuspected contact with, exposure to,existence of, or presence of, "silica" or"silica-related dust"

c. Any loss, cost or expense arising, in wholeor in part, out of the abating, testing for,monitoring, cleaning up, removing,containing, treatinf, detoxifying, neutralizing,remediating, or disposing of, or in any wayresponding to or assessing the effects of,"silica" or "silica-related dust"' by any insuredor by any other person or entity.

Exclusions

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

DISTRIBUTION OF MATERIAL INVIOLATION OF STATUTES

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

c. Any statute, ordinance or regulation, otherthan the TCPA or CAN-Spam Act of 2003,that prohibits or limits the sending,transmitting, communicating or distribution ofmaterial or information.


"Personal and advertising injury" arising directlyor indirectly out of any action or omission thatviolates or is alleged to violate:



3602AH022378-5

POLICY NUMBER: COMMERCIAL GENERAL LIABILITY


PRODUCTS/COMPLETED OPERATIONS HAZARD

REDEFINED



Description of Premises and Operations:

CG 24 07 01 96 Copyright, Insurance Services Office, Inc., 1984

(If no entry appears above, information required to complete this endorsement will be shown in theDeclarations as applicable to this endorsement.)

SCHEDULE

With respect to "bodily injury" or "property damage"arising out of "your products" manufactured, sold,handled or distributed:

1.

2.

On, from or in connection with the use of anypremises described in the Schedule, or

In connection with the conduct of any operationdescribed in the Schedule, when conducted byyou or on your behalf,

Paragraph a. of the definition of "Products -completed operations hazard" in the DEFINITIONSSection is replaced by the following:

a.

"Products - completed operations hazard":

Includes all "bodily injury" and "propertydamage" that arises out of "your products" ifthe "bodily injury" or "property damage"occurs after you have relinquished possessionof those products.

3602AH022378-5



NEW JERSEY CHANGES - LOSS INFORMATION


COMMERCIAL GENERAL LIABILITY COVERAGE PART ("OCCURRENCE" VERSION)

The following Condition is added TO COMMER-CIAL GENERAL LIABILITY CONDITIONS (SectionIV):

We will provide the first Named Insured shown inthe Declarations the following loss informationrelating to this and any preceding general liabilityCoverage Part we have issued to you during theprevious three years:

A list or other record of each "occurrence" ofwhich we were notified in accordance withparagraph 2.a. of the Duties in the Event ofOccurrence, Offense, Claim or Suit Conditionin this Section. We will include a brief de-scription of the "occurrence" and informationon whether any claim arising out of the "oc-currence" is open or closed.


Amounts reserved are based on our judgment.They are subject to change and should not beregarded as ultimate settlement values.

You must not disclose this information to anyclaimant or any claimant’s representative withoutour consent.

10.Your Right to Loss Information

a.

We will provide this information only if we re-ceive a written request from the first Named In-sured during the policy period. We will providethis information within 45 days of receipt of therequest.

We compile claim and "occurrence" informationfor our own business purposes and exercise rea-sonable care in doing so. In providing this infor-mation to the first Named Insured, we make norepresentations or warranties to insureds, insurersor others to whom this information is furnishedby or on behalf of any insured.A summary by policy year, of payments made

and amounts reserved, stated separately underany applicable General Aggregate Limit andProducts-Completed Operations AggregateLimit.

b.

THIS ENDORSEMENT IS ATTACHED TO AND MADE PART OF YOUR POLICY INRESPONSE TO THE DISCLOSURE REQUIREMENTS OF THE TERRORISM RISK

INSURANCE ACT. THIS ENDORSEMENT DOES NOT GRANT ANY COVERAGE ORCHANGE THE TERMS AND CONDITIONS OF ANY COVERAGE UNDER THE POLICY.

CONFIRMATION OF EXCLUSION OF CERTIFIED ACTS OF TERRORISMCOVERAGE - TERRORISM RISK INSURANCE ACT


SCHEDULE

The United States Government, Department of the Treasury, will pay a share of terrorism losses insured under the fed-eral program. The federal share equals a percentage (as shown in the Schedule of this notice) of that portion of the a-mount of such insured losses that exceeds the applicable insurer retention. However, if aggregate insured losses at-tributable to terrorist acts certified under the Terrorism Risk Insurance Act exceed $100 billion in a calendar year, theTreasury shall not make any payment for any portion of the amount of such losses that exceeds $100 billion.

Disclosure Of Federal Participation In Payment Of Terrorism Losses

Disclosure Of PremiumWe have notified you that under the Terrorism Risk Insurance Act we must make certified acts of terrorism coverageavailable in the policies we offer. At that time we advised you that the premium for such terrorism coverage would bethe amount shown in the Schedule of this notice.

Page 1 of 1MGL-TERR-2 01 15 Includes copyrighted material of Insurance Services Office, Inc.,with its permission.

POLICY NUMBER:

If you have not indicated to us or your agent that certified acts of terrorism coverage is desired, a certified act of terror-ism exclusion will be attached to your policy and we will not charge your policy for terrorism coverage.

If you desire to purchase terrorism coverage, please contact us or your agent.

Terrorism Premium: $Federal Share Of Terrorism Losses:

84% In 201683% In 2017

85% In 2015

81% In 201980% In 2020

82% In 2018

31.00

3602AH022378-5



ADDITIONAL INSURED - SPORTS LIABILITY

This endorsement modifies insurance provided under the following:COMMERCIAL GENERAL LIABILITY COVERAGE FORM

All other terms and conditions remain unchanged.

The insurance afforded to such additional insured only applies to the extent permitted by law; and1.

With respect to the insurance afforded to these additional insureds, the following is added to Section III - Limits OfInsurance:

B.

Required by the contract or agreement; or1.

COMMERCIAL GENERAL LIABILITYPOLICY NUMBER:

SCHEDULE

Other (describe):

Person(s) Or Organization(s) Interest

Field Owner

Section II - Who Is An Insured is amended to include as an additional insured:A.Team members, managers, coaches, assistants, referees and officials, sponsors and other individuals partici-pating in the official functions of the Named Insured.

1.

The person(s) or organization(s) shown in the Schedule above, if any;2.

However:

If coverage provided to the additional insured is required by a contract or agreement, the insurance afforded tosuch additional insured will not be broader than that which you are required by the contract or agreement toprovide for such additional insured.

but only with respect to liability for "bodily injury", "property damage" and "personal and advertising injury" caused,in whole or in part, by your acts or omissions or the acts or omissions of those acting on your behalf in the perform-ance of your ongoing operations in connection with your "sports activities".

2.

If coverage provided to the additional insured is required by a contract or agreement, the most we will pay on behalfof the additional insured is the amount of insurance:

Available under the applicable Limits of Insurance shown in the Declarations;2.

For the purposes of this endorsement, "sports activities" means the organization, promotion, administration andconduct of games, practices, tournaments and related activities of the Named Insured.

C.

whichever is less.This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations.

Page 1 of 1Includes copyrighted material of Insurance Services Office, Inc.,with its permission.

MGL 1238 03 14

3602AH022378-5



BLANKET ADDITIONAL INSURED

This endorsement modifies insurance provided under the following:COMMERCIAL GENERAL LIABILITY COVERAGE FORM


Grantor Of Franchise2.


Liability as grantor of a franchise to you.

Any "occurrence" which takes place after you cease to be a tenant in that premises; anda.

Lessors Of Leased Equipment3.

The insurance afforded to such additional insureds only applies to the extent permitted by law; and1.

COMMERCIAL GENERAL LIABILITYPOLICY NUMBER:

SCHEDULE

Liability for "bodily injury", "property damage" or "personal and advertising injury" caused, in whole or in part, byyour maintenance, operation or use of equipment leased to you by such person(s) or organization(s).

Person(s) Or Organization(s): Only those person(s) or organization(s) to which a Certificate of Insur-ance is issued by us or our authorized representative and on file withus. The information required to complete this endorsement will beshown on the Certificate of Insurance applicable to this endorsement.

Required by the contract or agreement; or

Section II - Who Is An Insured is amended to include as an additional insured the person(s) or organization(s)shown in the Schedule as an insured but only with respect to the following specified liability:

A.

Managers Or Lessors Of Premises1.

1.

With respect to the insurance afforded to these additional insureds, this insurance does not apply to any "oc-currence" which takes place after the equipment lease expires.

Liability arising out of the ownership, maintenance or use of that part of the premises leased to you and shownin the Schedule and subject to the following additional exclusions:

Structural alterations, new construction or demolition operations performed by or on behalf of the person(s)or organization(s) shown in the Schedule.

If coverage provided to the additional insured is required by a contract or agreement, the most we will pay on behalfof the additional insured is the amount of insurance:

b.

Available under the applicable Limits of Insurance shown in the Declarations;

If coverage provided to the additional insureds is required by a contract or agreement, the insurance afforded tosuch additional insureds will not be broader than that which you are required by the contract or agreement toprovide for such additional insured.

2.

With respect to the insurance afforded to these additional insureds, the following is added to Section III - Limits OfInsurance:

B.

However:

2.


MGL 1239 03 14

whichever is less.This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations.

3602AH022378-5



ABUSE OR MOLESTATION COVERAGE



The following is added to Section I - Coverages:


The following exclusion is added to Paragraph 2. Exclusions under Section I - Coverages, Coverage A - Bodily In-jury And Property Damage Liability and Coverage B - Personal And Advertising Injury Liability:

A.

B.

Insuring Agreement


1.We will pay those sums the insured becomes legally obligated to pay as damages because of "bodily in-jury" arising out of abuse, molestation or exploitation to which this insurance applies. We will have the rightand duty to defend the insured against any "suit" seeking such damages. However, we will have no duty todefend the insured against any "suit" seeking damages to which this insurance does not apply. Nor do wehave a duty to defend any insured who is alleged to have taken part in the abuse, molestation or ex-ploitation. We may, at our discretion, investigate and settle any claim or "suit" that may result. But:

a.


MGL 1262 08 14

POLICY NUMBER:

$ Aggregate

SCHEDULE

Abuse Or Molestation Limits Of Insurance $ Each Person

The amount we will pay for damages is limited as described in Paragraph C. Limits Of Insurance be-low; and

(1)

The following changes apply only to the coverage provided by this endorsement.

Abuse Or Molestation"Bodily injury", "property damage" or "personal and advertising injury" arising out of the actual or threatened abuse,molestation or exploitation by anyone. This exclusion applies even if the claim against the insured alleges negli-gence or other wrongdoing in the employment, investigation, supervision, reporting to the proper authorities or fail-ure to so report, training or retention.

ABUSE OR MOLESTATION COVERAGE

Our right and duty to defend ends when we have used up the applicable limit of insurance in the pay-ment of judgments or settlements under Abuse Or Molestation Coverage.

(2)

This insurance applies to "bodily injury" arising out of abuse, molestation or exploitation only if the abuse,molestation or exploitation:

b.

Takes place in the "coverage territory";(1)Results from the insured's negligence in employment, investigation, supervision, reporting to the properauthorities or failure to so report, training or retention; and

(2)

First occurs during the policy period.(3)Abuse, molestation or exploitation which first occurs during the policy period includes any continuation,change or resumption of that abuse, molestation or exploitation after the end of the policy period.

c.

Multiple acts of abuse, molestation or exploitation of any one person by one or more perpetrators will bedeemed to have first occurred at the time of the first act of such abuse, molestation or exploitation and shallbe subject to the coverage and limits in effect at the time of the first act of abuse, molestation or ex-ploitation.

d.

1,000,0002,000,000

3602AH022378-5


Exclusions2.

Fines And Penaltiesa.

Participating Insuredb.


Any fines, penalties, punitive damages, exemplary damages or aggravated damages.

Any insured who takes part in the abuse, molestation or exploitation.

Passive Insuredc.Any insured who remains passive upon gaining knowledge of any actual, alleged or threatened abuse, mo-lestation or exploitation.

Section III - Limits Of Insurance is replaced by the following:C.SECTION III - LIMITS OF INSURANCE

The Limits of Insurance shown in the Schedule of this endorsement and the rules below fix the most we will payunder Abuse Or Molestation Coverage regardless of the number of:

1.

Insureds;a.Claims made or "suits" brought; orb.Persons or organizations making claims or bringing "suits".c.

The Aggregate Limit shown in the Schedule of this endorsement is the most we will pay under Abuse Or Mo-lestation Coverage for the sum of all damages.

2.

Subject to Paragraph 2. above, the Each Person limit shown in the Schedule of this endorsement is the mostwe will pay under Abuse Or Molestation Coverage for damages because of "bodily injury" arising out of abuse,molestation or exploitation committed upon any one person, regardless of the number of acts of abuse, mo-lestation or exploitation committed, the period of time over which such acts occur, or the number of perpetratorstaking part in the abuse, molestation or exploitation.

3.

The coverage provided by this endorsement does not provide any duplication or overlap of any other coverageprovided elsewhere in this policy. No coverage is provided for abuse, molestation or exploitation under this poli-cy except as provided in this endorsement.

4.

The Limits of Insurance provided by this endorsement are in addition to, not part of, the Limits of Insuranceprovided by the Commercial General Liability Coverage Form.

5.

Section IV - Commercial General Liability Conditions is amended as follows:D.

The Limits of Insurance shown in the Schedule of this endorsement apply separately to each consecutive annualperiod and to any remaining period of less than 12 months, starting with the beginning of the policy period shown inthe Declarations of the Commercial General Liability Coverage Form, unless the policy period is extended after is-suance for an additional period of less than 12 months. In that case, the additional period will be deemed part of thelast preceding period for purposes of determining the Limits of Insurance.

The heading and Paragraph a. of Condition 2. is replaced by the following:1.Duties In The Event Of Abuse, Molestation, Exploitation, Claim Or Suit2.

You must see to it that we are notified as soon as practicable of an act or allegation of abuse, molesta-tion or exploitation which may result in a claim. To the extent possible, notice should include:

a.

How, when and where the abuse, molestation or exploitation took place;(1)The names and addresses of any injured persons and witnesses; and(2)The nature and location of any injury or damage arising out of the abuse, molestation or exploita-tion.

(3)


MGL 1262 08 14

The following is added to Paragraph b. Excess Insurance of Condition 4. Other Insurance:2.The insurance provided by this endorsement is excess over any other insurance provided to any insured,whether such other insurance is provided on a primary, excess, contingent or any other basis, unless such oth-er insurance is written to be specifically excess of this insurance.



MGL 1262 08 14

The following Condition is added:3.Multiple Coverage Forms Or Policies Issued By UsWhen two or more Coverage Forms or policies issued by us or any other Markel Corporation owned or op-erated insurance company apply to the same claim, "suit" or loss, the maximum limit of our liability under allsuch Coverage Forms or policies combined shall not exceed the highest applicable limit of liability under anyone Coverage Form or policy among them.

Definition 3. "bodily injury" under Section V - Definitions is amended as follows:E."Bodily injury" means bodily injury, sickness, disease, mental anguish or emotional distress sustained by a person,including death resulting from any of these at any time.


AMENDED DUTIES AND REPRESENTATIONS CONDITIONS






MGL 1266 08 14

The following is added to Condition 2. Duties In the Event Of Occurrence, Offense, Claim Or Suit under Section IV -Commercial General Liability Conditions:

A.

The following is added to Condition 6. Representations under Section IV - Commercial General Liability Conditions:B.

Your obligation to notify us as soon as practicable of an "occurrence", offense, claim or "suit" is satisfied if you sendus written notice as soon as practicable after you or any of your "executive officers", directors, partners, insurancemanagers or legal representatives become aware of or should have become aware of such "occurrence", offense,claim or "suit".

If you unintentionally fail to disclose all hazards prior to the beginning of the policy period of the Coverage Form, weshall not deny coverage under this Coverage Form because of such failure.

This endorsement shall not apply with respect to any "occurrence" involving abuse, molestation or exploitation.



Unmanned Aircraft"Personal and advertising injury" arising out of the ownership, maintenance, use or entrustment to others of any"unmanned aircraft". Use includes operation and "loading or unloading".

Unmanned Aircraft


EXCLUSION - UNMANNED AIRCRAFT



"Bodily injury" or "property damage" arising out of the ownership, maintenance, use or entrustment to others of any"unmanned aircraft". Use includes operation and "loading or unloading".




MGL 1319 01 16

This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the super-vision, hiring, employment, training or monitoring of others by that insured, if the "occurrence" which caused the"bodily injury" or "property damage" involved the ownership, maintenance, use or entrustment to others of any "un-manned aircraft".

A. The following is added to Paragraph 2. Exclusions under Section I - Coverages, Coverage A - Bodily Injury AndProperty Damage Liability:

This exclusion does not serve to create coverage for "bodily injury" or "property damage" that is otherwise excludedunder this Coverage Form.


B. The following is added to Paragraph 2. Exclusions under Section I - Coverages, Coverage B - Personal And Ad-vertising Injury Liability:

(1) The use of another's advertising idea in your "advertisement"; or

This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the super-vision, hiring, employment, training or monitoring of others by that insured, if the offense which caused the "person-al and advertising injury" involved the ownership, maintenance, use or entrustment to others of any "unmannedaircraft".This exclusion does not apply to:

(2) Infringing upon another's copyright, trade dress or slogan in your "advertisement".

C. The following is added to the Definitions section:

a. Designed;"Unmanned aircraft" means an aircraft that is not:

b. Manufactured; orc. Modified after manufacture;

to be controlled directly by a person from within or on the aircraft.



MARKEL INSURANCE COMPANY



MGL 132 (9/95)

All other terms and conditions remain the same.

TRAMPOLINE EXCLUSION

This insurance does not apply to any claim, "suit" or cause of action, which arises directly or

indirectly from provision, maintenance, supervision or use by any person of a trampoline or any

similar device.


POLICY NUMBER: 3602AH022378-5



The following is added to the Cancellation Provision of the policy:

If this policy is cancelled effective at any time other than at the inception date shown on the declarations, we will sendthe first Named Insured any premium refund due, and the earned premium shall be calculated according to thefollowing and based on the schedule shown below.

Term of Season: As stated in documentation on file with company

Percentage of Premium Attributed to the Season: 80%

The percentage of premium attributed to the season described above shall be returned pro-rata over the length of theterm of the season. The remaining premium shall be returned pro-rata over the term of the policy.

If the first Named Insured cancels, the return premium may be reduced by 10%. The cancellation will be effective evenif we have not made or offered a refund.

The minimum amount we retain will be the policy writing minimum premium.



Schedule

MGL 215 (02/03) Page 1 of 1Copyright, Markel Insurance Company, 2003

CANCELLATION PROVISIONS - SEASONAL RISKS

POLICY NUMBER: 3602AH022378-5



MINIMUM EARNED PREMIUM ENDORSEMENT

MARKEL INSURANCE COMPANY


FARM PROPERTY COVERAGE PARTCOMMERCIAL GENERAL LIABILITY COVERAGE PARTCARE, CUSTODY, & CONTROL COVERAGE PARTINLAND MARINE COVERAGE PART

MIL005 (9/95)

ATTACHED TO AND FORMING PART OF FARM PROPERTYPOLICY NUMBER: COMMERCIAL GENERAL LIABILITY

CARE, CUSTODY & CONTROLINLAND MARINE

All other terms and conditions remain the same .

It is hereby understood and agreed that if this policy is canceled, the basepremium of $_____________________ is fully earned.

3602AH022378-5

750.00


TWO OR MORE COVERAGE FORMS OR POLICIES ISSUED BY US

This endorsement modifies insurance provided under the following:COMMERCIAL GENERAL LIABILITY COVERAGE FORMFARM LIABILITY COVERAGE FORM


The following condition is added:Two Or More Coverage Forms Or Policies Issued By UsIf this Coverage Form and any other Coverage Form or policy issued to you by us or any company affiliated with usapplies to the same "occurrence", the aggregate maximum Limit of Insurance under all such Coverage Forms or poli-cies shall not exceed the highest applicable Limit of Insurance under any one Coverage Form or policy. This conditiondoes not apply to any Coverage Form or policy issued by us or an affiliated company specifically to apply as excess in-surance over this Coverage Form.

MIL 1207 05 15 Page 1 of 1Includes copyrighted material of Insurance Services Office, Inc.,with its permission.



EXCLUSION - FUNGI OR BACTERIA

b.



COMMERCIAL GENERAL LIABILITY COVERAGE FORMAUTO DEALERS COVERAGE FORMGARAGE COVERAGE FORMFARM LIABILITY COVERAGE FORM

a. "Bodily injury", "property damage", "personal and advertising injury", "personal injury" or "advertising in-jury" which would not have occurred, in whole or in part, but for the actual, alleged or threatened inhalationof, ingestion of, contact with, exposure to, existence of, or presence of, any "fungi" or bacteria on or within abuilding or structure, including its contents, regardless of whether any other cause, event, material or prod-uct contributed concurrently or in any sequence to such injury or damage.

This exclusion applies:

c.

2.a.b. To any obligations to share damages with or repay someone else who must pay damages; and

Regardless of whether such is included within the "products-completed operations hazard".

c. To any "fungi" existing, emanating from or moving anywhere indoors or outdoors.

B. The following definition is added to the Definitions Section:

This exclusion does not apply to any "fungi" or bacteria that are, are on, or are contained in, a good or product in-tended for bodily consumption.

1.

Any loss, cost or expense arising out of the abating, testing for, monitoring, cleaning up, removing, con-taining, treating, detoxifying, neutralizing, remediating or disposing of, or in any way responding to, or as-sessing the effects of, "fungi" or bacteria, by any "insured" or by any other person or entity.Costs and expenses to investigate or defend any claim or "suit" or payment of any fine or penalty for theexclusions in Paragraphs a. or b. above.

C. The addition of this Endorsement does not imply that other provisions, including but not limited to any pollutionexclusion, do not also exclude coverage for "fungi" related injury, damage, expense, cost, loss, liability or legal obli-gation.

"Fungi" means any type or form of fungus, including mold or mildew and any mycotoxins, spores, scents or by-products produced or released by fungi.

A.

INTERLINE

The following is added to the Exclusions Section:

Fungi Or Bacteria





EXCLUSION - PUNITIVE DAMAGES

This endorsement modifies insurance provided under the following:AUTO DEALERS COVERAGE FORMCOMMERCIAL GENERAL LIABILITY COVERAGE FORMFARM LIABILITY COVERAGE FORM


The following exclusion is added:



Fines, penalties or sanctions imposed by law; or

Punitive or exemplary damages;1.Punitive Damages

2.Defense costs related to any of the above.3.


IL 00 17 11 98

COMMON POLICY CONDITIONS

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

B. CHANGES

C.

1.

2.

3.

4.

5.

6.

The first Named Insured shown in theDeclarations may cancel this policy bymailing or delivering to us advance writtennotice of cancellation.

We may cancel this policy by mailing ordelivering to the first Named Insuredwritten notice of cancellation at least:

We will mail or deliver our notice to thefirst Named Insured’s last mailing addressknown to us.

Notice of cancellation will state theeffective date of cancellation. The policyperiod will end on that date.

If this policy is cancelled, we will send thefirst Named Insured any premium refunddue. If we cancel, the refund will be prorata. If the first Named insured cancels,the refund may be less than pro rata. Thecancellation will be effective even if wehave not made or offered a refund.

If notice is mailed, proof of mailing will besufficient proof of notice.

a.

b.

10 days before the effective date ofcancellation if we cancel fornonpayment of premium; or

30 days before the effective date ofcancellation if we cancel for any otherreason.

This policy contains all the agreementsbetween you and us concerning the insuranceafforded. The first Named Insured shown inthe Declarations is authorized to makechanges in the terms of this policy with ourconsent. This policy’s terms can be amendedor waived only by endorsement issued by usand made a part of this policy.

EXAMINATION OF YOUR BOOKS ANDRECORDS

We may examine and audit your books andrecords as they relate to this policy at anytime during the policy period and up to threeyears afterward.

INSPECTIONS AND SURVEYS

A. CANCELLATION

1.

4.

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

b.

POLICY NUMBER:

Give you reports on the conditions wefind; and

We have the right to:

a. Make inspections and surveys at anytime;

c. Recommend changes.

a.

2.

Are safe or healthful; or

We are not obligated to make any inspec-tions, surveys, reports or recommendationsand any such actions we do undertakerelate only to insurability and the premiumsto be charged. We do not make safetyinspections. We do not undertake toperform the duty of any person ororganization to provide for the health orsafety of workers or the public. And we donot warrant that conditions:

b. Comply with laws, regulations, codes orstandards.

Paragraph 2. of this condition does not applyto any inspections, surveys, reports orrecommendations we may make relative tocertification, under state or municipal sta-tutes, ordinances or regulations, of boilers,pressure vessels or elevators.

PREMIUMS

3.

F.

Paragraphs 1. and 2. of this conditionapplies not only to us, but also to any rating,advisory, rate service or similar organizationwhich makes insurance inspections, surveys,reports or recommendations.

1.

The first Named Insured shown in the Declara-tions:

2. Will be the payee for any return premiumswe pay.

Is responsible for the payment of allpremiums; and

TRANSFER OF YOUR RIGHTS AND DUTIESUNDER THIS POLICY

Your rights and duties under this policy maynot be transferred without our written consentexcept in the case of death of an individualnamed insured.

E.

If you die, your rights and duties will betransferred to your legal representatives butonly while acting within the scope of duties asyour legal representative. Until your legalrepresentative is appointed, anyone havingproper temporary custody of your property willhave your rights and duties but only withrespect to that property.

3602AH022378-5

Under any Medical Payments coverage, toexpenses incurred with respect to "bodilyinjury" resulting from the "hazardous pro-perties" of "nuclear material" and arising outof the operation of a "nuclear facility" byany person or organization.

The "nuclear material" (a) is at any"nuclear facility" owned by, or operatedby or on behalf of, an "insured" or (b)

has been discharged or dispersedtherefrom;

Under any Liability Coverage, to "bodilyinjury" or "property damage" resulting from"hazardous properties" of "nuclearmaterial", if:

C.

IL 00 21 09 08 Copyright ISO Properties, Inc., 2007

The "bodily injury" or "property damage"arises out of the furnishing by an"insured" of services, materials, parts orequipment in connection with theplanning, construction, maintenance,operation or use of any "nuclear facility",but if such facility is located within theUnited States of America, its territoriesor possessions or Canada, this exclusion(3) applies only to "property damage" tosuch "nuclear facility" and any propertythereat.


NUCLEAR ENERGY LIABILITY EXCLUSIONENDORSEMENT

(Broad Form)


COMMERCIAL AUTOMOBILE COVERAGE PARTCOMMERCIAL GENERAL LIABILITY COVERAGE PARTFARM COVERAGE PARTLIQUOR LIABILITY COVERAGE PARTMEDICAL PROFESSIONAL LIABILITY COVERAGE PARTOWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PARTPOLLUTION LIABILITY COVERAGE PARTPRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PARTRAILROAD PROTECTIVE LIABILITY COVERAGE PARTUNDERGROUND STORAGE TANK POLICY

Page 1 of 2

IL 00 21 09 08

(1)

The "nuclear material" is contained in"spent fuel" or "waste" at any timepossessed, handled, used, processed,stored, transported or disposed of, by oron behalf of an "insured"; or

(2)

The insurance does not apply:

(3)

As used in this endorsement:2.

1.

Under any Liability Coverage, to "bodilyinjury" or "property damage":

"Hazardous properties" includes radioactive,toxic or explosive properties;

"Nuclear material" means "source material","special nuclear material" or "by-productmaterial";

(1) With respect to which an "insured" underthe policy is also an insured under anuclear energy liability policy issued byNuclear Energy Liability InsuranceAssociation, Mutual Atomic EnergyLiability Underwriters, Nuclear InsuranceAssociation of Canada or any of theirsuccessors, or would be an insured underany such policy but for its terminationupon exhaustion of its limit of liability; or

(2) Resulting from the "hazardous properties"of "nuclear material" and with respect towhich (a) any person or organization isrequired to maintain financial protectionpursuant to the Atomic Energy Act of1954, or any law amendatory thereof, or(b) the "insured" is, or had this policy notbeen issued would be, entitled toindemnity from the United States ofAmerica, or any agency thereof, underany agreement entered into by the UnitedStates of America, or any agency thereof,with any person or organization.

A.

B.

Copyright ISO Properties, Inc., 2007 Page 2 of 2IL 00 21 09 08

"Source material", "special nuclear material",and "by-product material" have the meaningsgiven them in the Atomic Energy Act of 1954or in any law amendatory thereof;

"Spent fuel" means any fuel element or fuelcomponent, solid or liquid, which has beenused or exposed to radiation in a "nuclearreactor";

"Waste" means any waste material (a)

containing "by-product material" other than thetailings or wastes produced by the extraction orconcentration of uranium or thorium from anyore processed primarily for its "source material"content, and (b) resulting from the operation byany person or organization of any "nuclearfacility" included under the first two paragraphsof the definition of "nuclear facility".

Any "nuclear reactor";

(c)

Any structure, basin, excavation, premisesor place prepared or used for the storage ordisposal of "waste";

(a)

Any equipment or device designed or usedfor (1) separating the isotopes of uranium orplutonium, (2) processing or utilizing "spentfuel", or (3) handling, processing orpackaging "waste";

(b)

(d)

Any equipment or device used for the proc-essing, fabricating or alloying of "specialnuclear material" if at any time the totalamount of such material in the custody ofthe "insured" at the premises where suchequipment or device is located consists of orcontains more than 25 grams of plutoniumor uranium 233 or any combination thereof,or more than 250 grams of uranium 235;

"Nuclear facility" means:

and includes the site on which any of theforegoing is located, all operations conducted onsuch site and all premises used for suchoperations;

"Nuclear reactor" means any apparatus designedor used to sustain nuclear fission in aself-supporting chain reaction or to contain acritical mass of fissionable material.

"Property damage" includes all forms ofradioactive contamination of property.



NEW JERSEY CHANGES - CIVIL UNION

IL 01 41 09 08

Copyright, Insurance Services Office, Inc., 2008IL 01 41 09 08

COMMERCIAL AUTOMOBILE COVERAGE PARTCOMMERCIAL GENERAL LIABILITY COVERAGE PARTCOMMERCIAL LIABILITY UMBRELLA COVERAGE PARTELECTRONIC DATA LIABILITY COVERAGE PARTEMPLOYMENT-RELATED PRACTICES LIABILITY COVERAGE PARTFARM COVERAGE PARTFARM UMBRELLA LIABILITY POLICYLIQUOR LIABILITY COVERAGE PARTMEDICAL PROFESSIONAL LIABILITY COVERAGE PARTOWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PARTPOLLUTION LIABILITY COVERAGE PARTPRODUCT WITHDRAWAL COVERAGE PARTPRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PARTUNDERGROUND STORAGE TANK POLICY

Page 1 of 1

A. The term "spouse" is replaced by the following:

Spouse or party to a civil union recognized underNew Jersey law.

B. Under the Commercial Auto Coverage Part, theterm "family member" is replaced by thefollowing:

"Family member" means a person related to the:

C. With respect to coverage for the ownership,maintenance, or use of "covered autos"provided under the Commercial LiabilityUmbrella Coverage Part, the term "familymember" is replaced by the following:

"Family member" means a person related toyou by blood, adoption, marriage or civilunion recognized under New Jersey law, whois a resident of your household, including award or foster child.

1. Individual Named Insured by blood, adoption,marriage or civil union recognized under NewJersey law, who is a resident of such NamedInsured’s household, including a ward orfoster child; or

Individual named in the Schedule by blood,adoption, marriage or civil union recognizedunder New Jersey law, who is a resident ofthe individual’s household, including a wardor foster child, if the Drive Other CarCoverage - Broadened Coverage For NamedIndividual Endorsement is attached.

2.


Page 1 of 3


NEW JERSEY CHANGES - CANCELLATIONAND NONRENEWAL

Copyright, ISO Properties, Inc., 2006IL 02 08 09 07

CAPITAL ASSETS PROGRAM (OUTPUT POLICY) COVERAGE PARTCOMMERCIAL AUTOMOBILE COVERAGE PARTCOMMERCIAL GENERAL LIABILITY COVERAGE PARTCOMMERCIAL INLAND MARINE COVERAGE PARTCOMMERCIAL LIABILITY UMBRELLA COVERAGE PARTCOMMERCIAL PROPERTY COVERAGE PARTCRIME AND FIDELITY COVERAGE PARTEMPLOYMENT-RELATED PRACTICES LIABILITY COVERAGE PARTEQUIPMENT BREAKDOWN COVERAGE PARTFARM COVERAGE PARTFARM UMBRELLA LIABILITY POLICYLIQUOR LIABILITY COVERAGE PARTPOLLUTION LIABILITY COVERAGE PARTPRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART

Pursuant to New Jersey law, this policy cannotbe cancelled or nonrenewed for any underwritingreason or guideline which is arbitrary, capriciousor unfairly discriminatory or without adequateprior notice to the insured. The underwritingreasons or guidelines that an insurer can use tocancel or nonrenew this policy are maintained bythe insurer in writing and will be furnished to theinsured and/or the insured’s lawful representativeupon written request.

This provision shall not apply to any policy whichhas been in effect for less than 60 days at thetime notice of cancellation is mailed or delivered,unless the policy is a renewal policy.

Paragraph 2. of the Cancellation Common PolicyCondition is replaced by the following:

If this policy has been in effect for less than60 days, we may cancel this policy for anyreason subject to the following:

We may cancel this policy by mailing ordelivering to the first Named Insured andany person entitled to notice under thispolicy written notice, of cancellation, atleast:

Nonpayment of premium; or

Existence of a moral hazard, asdefined in N.J.A.C. 11:1-20.2(f) asfollows:

30 days before the effective date ofcancellation if we cancel for any otherreason.

Cancellation Of Policies In Effect For 60 Daysor More

"The substantial risk, danger orprobability that the character,circumstances or personal habits ofthe insured may increase thepossibility of loss or liability forwhich an insurer will be heldresponsible. Any change in thecharacter or circumstances of anindividual, corporate, partnership orother insured that will increase theprobability of such a loss or liabilitymay be considered a ’moralhazard’".

A.

B.

2.

a.

(1)

(b)

(i)

(ii)

(2)

C.

7.

IL 02 08 09 07

10 days before the effective date ofcancellation if we cancel for:

(a)

b. In the notice of cancellation which is sent to thefirst Named Insured, we will state the reason forcancellation.

"The risk, danger or probability thatthe insured will destroy, or permit tobe destroyed, the insured propertyfor the purpose of collecting theinsurance proceeds. Any change inthe circumstances of an insured thatwill increase the probability of sucha destruction may be considered a’moral hazard’"; and

The following is added to the CancellationCommon Policy Condition:

of 3

If this policy has been in effect for 60 daysor more, or is a renewal of a policy weissued, we may cancel this policy only forone or more of the following reasons:

IL 02 08 09 07

Failure by the insured to comply withany Federal, State or local fire, health,safety or building or constructionregulation, law or ordinance withrespect to an insured risk whichsubstantially increases any hazardinsured against within 60 days ofwritten notification of a violation ofany such law, regulation or ordinance;

Copyright, ISO Properties, Inc., 2006

Nonpayment of premium;

Existence of a moral hazard, as definedin N.J.A.C. 11:1-20.2(f);

Material misrepresentation ornondisclosure to us of a material factat the time of acceptance of the risk;

Increased hazard or material change inthe risk assumed which we could nothave reasonably contemplated at thetime of assumption of the risk;

Substantial breaches of contractualduties, conditions or warranties thatmaterially affect the nature and/orinsurability of the risk;

Lack of cooperation from the insuredon loss control matters materiallyaffecting insurability of the risk;

Fraudulent acts against us by theinsured or its representative thatmaterially affect the nature of the riskinsured;

Loss of or reduction in availableinsurance capacity;

Material increase in exposure arisingout of changes in statutory or case lawsubsequent to the issuance of theinsurance contract or any subsequentrenewal;

Loss of or substantial changes inapplicable reinsurance;

Failure by the insured to providereasonable and necessary underwritinginformation to us upon written requesttherefor and a reasonable opportunityto respond;

Agency termination, provided:

We document that replacementcoverage at comparable rates andterms has been provided to the firstNamed Insured, and we haveinformed the first Named Insured,in writing, of the right to continuecoverage with us; or

We have informed the first NamedInsured, in writing, of the right tocontinue coverage with us and thefirst Named Insured has agreed, inwriting, to the cancellation ornonrenewal based on thetermination of the first NamedInsured’s appointed agent.

Any other reasons in accordance withour underwriting guidelines forcancellation of commercial linescoverage.

If we cancel this policy based onParagraphs 7.a.(1) or (2) above, we willmail or deliver a written notice, to the firstNamed Insured and any person entitled tonotice under this policy, at least 10 daysbefore the effective date of cancellation. Ifwe cancel this policy for any other reasonlisted above, we will mail or deliver awritten notice to the first Named Insuredand any person entitled to notice under thispolicy, not more than 120 days nor lessthan 30 days before the effective date ofsuch cancellation.

Notice will be sent to the last mailingaddresses known to us, by:

Certified mail; or

First class mail, if we have obtainedfrom the post office a date stampedproof of mailing showing names andaddresses.

We need not send notice of cancellation ifyou have:

Replaced coverage elsewhere; or

Specifically requested termination.

a.

(1)

(13)

(a)

(2)

(3)

(9)

(10)

(4)

(11)

(12)

(5)

(8)

(b)

(6)

(7)

(14)

b.

d.

(1)

(2)

(1)

e.

(2)

c. In the notice of cancellation which is sent tothe first Named Insured, we will state thereason for cancellation. For cancellation dueto the nonpayment of premium, the noticewill state the effect of nonpayment by thedue date. Cancellation for nonpayment ofpremium will not be effective if payment ofthe amount due is made before the effectivedate set forth in the notice.

The following is added and supersedes any otherprovision to the contrary:

NONRENEWAL

We may elect not to renew this policy for anyreason permitted to cancel it. If we elect notto renew this policy, we will mail a notice ofnonrenewal, stating the reasons fornonrenewal, to the first Named Insured atleast 30 days but not more than 120 daysbefore the expiration date of this policy. If thispolicy does not have a fixed expiration date,it shall be deemed to expire annually on theanniversary of its inception.

This notice will be sent to the first NamedInsured at the last mailing address known tous by:

Certified mail; or

First class mail, if we have obtained fromthe post office a date stamped proof ofmailing showing the first Named Insured’sname and address.

We need not mail or deliver this notice if youhave:

Replaced coverage elsewhere; or

Specifically requested termination.

D.

1.

2.

a.

b.

3.

a.

b.

Page 3 of 3IL 02 08 09 07 Copyright, ISO Properties, Inc., 2006

PRIVACY NOTICE

We are committed to safeguarding your privacy. We understand your concerns regarding the privacy of your nonpublicpersonal information. No nonpublic personal information is required to be collected when you visit our websites; how-ever, this information may be requested in order to provide the products and services described. We do not sell non-public personal information to non-affiliated third parties for marketing or other purposes. We only use and share thistype of information with non-affiliated third parties for the purposes of underwriting insurance, administering your policyor claim and other purposes as permitted by law, such as disclosures to insurance regulatory authorities or in responseto legal process. Notwithstanding the foregoing, we may use this information for the purpose of marketing our own prod-ucts and services to you.

Service providers, such as insurance agents and/ or brokers and claims adjusters; and/or

MPIL 1007 03 14 Page 1 of 1

We collect nonpublic personal information about you from the following sources:Information we receive from you on applications or other forms;Information about your transactions with us, our affiliates, or others; and/orInformation we receive from consumer reporting agencies and inspection reports.

We may disclose nonpublic personal information about you to the following types of third parties:

We do not disclose any nonpublic personal information about our customers/claimants or former customers/claimantsto anyone, except as permitted by law.

We restrict access to nonpublic personal information about our customers/claimants to those individuals who need toknow that information to provide products and services to our customers/claimants or as permitted by law. We maintainphysical, electronic, and procedural safeguards to guard your nonpublic personal information.

Residents of California:

INTERLINE

Other non-affiliated third parties as permitted by law.

You may request to review and make corrections to recorded non-public personal information contained in our files. Amore detailed description of your rights and practices regarding such information is available upon request. Please con-tact your agent/broker for instructions on how to submit a request to us.


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