the cincinnati insurance company · the cincinnati insurance company a stock insurance company...

The Cincinnati Insurance CompanyA Stock Insurance Company

Headquarters: 6200 S. Gilmore Road, Fairfield, OH 45014-5141Mailing address: P.O. Box 145496, Cincinnati, OH 45250-5496

www.cinfin.com 513-870-2000

COMMON POLICY DECLARATIONSPOLICY NUMBER

NAMED INSURED

ADDRESS(Number & Street,Town, County,State & Zip Code)

Previous Policy Number:

Billing Method:AGENCY BILLENP 013 70 17

COULEE REGION WOODTURNERS88 W 6TH STBUFFALO CITY, WI 54622-7152

ENP0137017Policy Period: At 12:01 A.M., STANDARD TIME AT YOUR MAILING ADDRESS SHOWN ABOVE

All coverages except Automobile and / or GaragePolicy number: FROM: TO:

Automobile and / or GaragePolicy number: FROM: TO:

AgencyCityLegal Entity / Business Description

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

ENP 013 70 17 05-15-2015 05-15-2018

ROBERTSON RYAN & ASSOCIATES, INC. 48-058LA CROSSE, WI

ORGANIZATION (ANY OTHER)

FORMS APPLICABLE TO ALL COVERAGE PARTS:COMMON POLICY CONDITIONSIL0017 11/98SUMMARY OF PREMIUMS CHARGEDIA102A 09/08SCHEDULE OF LOCATIONSIA904 04/04NOTICE TO POLICYHOLDERSIP446 08/01EXCLUSION OF CERTIFIED ACTS AND OTHER ACTS OF TERRORISMIA319 01/08WISCONSIN CHANGES - CANCELLATION AND NONRENEWALIA4112WI 06/14SIGNATURE ENDORSEMENTIA4338 05/11NOTICE TO POLICYHOLDERS - EXCLUSION - ACCESS OR DISCLOSURE OF CONFIDENTIAL OR PERSONAL INFORMATION AND DATA-RELATED LIABILITY

IA4442 05/14

WISCONSIN AMENDATORY ENDORSEMENTIA449WI 01/89NOTICE TO POLICYHOLDER - CANCELLATIONIP406WI 01/90KEEP THIS NOTICE WITH YOUR INSURANCE PAPERSIP427WI 07/12COMMERCIAL GENERAL LIABILITY COVERAGE PART DECLARATIONSGA532 07/08

Countersigned By(Date) (Authorized Representative)

04-23-2015 14:22

IA 509 01 12 Page ofENP 013 70 17

1 1

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

COMMON POLICY CONDITIONS

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

A. Cancellation

1. The first Named Insured shown in theDeclarations may cancel this policy bymailing or delivering to us advance writ-ten notice of cancellation.

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

a. 10 days before the effective date ofcancellation if we cancel for non-payment of premium; or

b. 30 days before the effective date ofcancellation if we cancel for anyother reason.

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

4. Notice of cancellation will state the effec-tive date of cancellation. The policy pe-riod will end on that date.

5. 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.The cancellation will be effective even ifwe have not made or offered a refund.

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

B. Changes

This policy contains all the agreements be-tween 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.

C. Examination of Your Books and Records

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.

D. Inspections and Surveys

1. We have the right to:

a. Make inspections and surveys at anytime;

b. Give you reports on the conditionswe find; and

c. Recommend changes.

2. We are not obligated to make any in-spections, surveys, reports or recom-mendations and any such actions we doundertake relate only to insurability andthe premiums to be charged. We do notmake safety inspections. We do not un-dertake to perform the duty of any personor organization to provide for the healthor safety of workers or the public. Andwe do not warrant that conditions:

a. Are safe or healthful; or

b. Comply with laws, regulations, codesor standards.

3. Paragraphs 1. and 2. of this conditionapply not only to us, but also to any rat-ing, advisory, rate service or similar or-ganization which makes insurance in-spections, surveys, reports or recom-mendations.

4. Paragraph 2. of this condition does notapply to any inspections, surveys, reportsor recommendations we may make rela-tive to certification, under state or munici-pal statutes, ordinances or regulations, ofboilers, pressure vessels or elevators.

E. Premiums

The first Named Insured shown in the Decla-rations:

1. Is responsible for the payment of all pre-miums; and

2. Will be the payee for any return premi-ums we pay.

F. Transfer of Your Rights and Duties Underthis Policy

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

If you die, your rights and duties will betransferred to your legal representative butonly while acting within the scope of duties asyour legal representative. Until your legal rep-resentative is appointed, anyone havingproper temporary custody of your property willhave your rights and duties but only with re-spect to that property.

ALL OTHER TERMS AND CONDITIONS REMAIN UNCHANGEDIA 102 A 09 08

SUMMARY OF PREMIUMS CHARGEDAttached to and forming part ofPOLICY NUMBER: Effective Date:

Named Insured:

THIS POLICY CONSISTS OF THE FOLLOWING COVERAGEPARTS FOR WHICH A PREMIUM CHARGE IS INDICATED

Commercial Property Coverage Part $Commercial General Liability Coverage Part $Commercial Auto Coverage Part $Commercial Umbrella / Excess Liability Coverage Part $

$$$$$$$$$$$$$$$$$$$

Terrorism Coverage $Installment Charge $

$PAYMENTS

First RemainingInstallment Installment(s)

Automobile Coverages, Employers Liability, Employment Practices Liability Coverage, Professional LiabilityCoverage, Terrorism Coverage and / or Wrongful Acts Coverage, if included in the policy, are subject to AnnualAdjustment of rates and premium on each anniversary of the policy.

Commercial Umbrella and Excess Liability, if included in the policy, may be subject to Annual Adjustment ofpremium on each anniversary. Refer to the Commercial Umbrella or Excess Liability Coverage PartDeclarations form to see if this is applicable.

ENP 013 70 17 05-15-2015

COULEE REGION WOODTURNERS

250

EXCLUDE

ANNUAL TOTAL 250

ANNUAL 250 250

IA 904 04 04

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

SCHEDULE OF LOCATIONS

LOC. STREET ADDRESS CITY STATE ZIP CODE1 VARIOUS MEETING LOCATIONS

LA CROSSE, WI 54601

IP 446 08 01

THE CINCINNATI INSURANCE COMPANYTHE CINCINNATI CASUALTY COMPANYTHE CINCINNATI INDEMNITY COMPANY

NOTICE TO POLICYHOLDERS

Please be advised that in your application for insurance you disclosed information to The Cincinnati InsuranceCompany, The Cincinnati Casualty Company and The Cincinnati Indemnity Company. The information dis-closed in the application and all information subsequently collected by any of these companies may beshared among all three.

Includes copyrighted material of ISOProperties, Inc. and American Association

IA 319 01 08 of Insurance Services, Inc., with their permission. Page 1 of 3


EXCLUSION OF CERTIFIED ACTS ANDOTHER ACTS OF TERRORISM

This endorsement modifies insurance provided under the following:

All Commercial Lines Coverage Parts, Coverage Forms, Policies and Endorsements except Medi-cal Professional Liability (professional liability forms insuring dentists, optometrists, nurses, andnursing homes, among others)

A. The following definitions are added with re-spect to the provisions of this endorsement:

1. "Certified act of terrorism" means an actthat is certified by the Secretary of theTreasury, in concurrence with the Secre-tary of State and the Attorney General ofthe United States, to be an act of terror-ism pursuant to the federal TerrorismRisk Insurance Act. The criteria containedin the Terrorism Risk Insurance Act for a"certified act of terrorism" include the fol-lowing:

a. The act resulted in insured losses inexcess of $5 million in the aggre-gate, attributable to all types of in-surance subject to the TerrorismRisk Insurance Act; and

b. The act is a violent act or an act thatis dangerous to human life, propertyor infrastructure and is committed byan individual or individuals as part ofan effort to coerce the civilian popu-lation of the United States or to influ-ence the policy or affect the conductof the United States Government bycoercion.

2. "Other act of terrorism" means a violentact or an act that is dangerous to humanlife, property or infrastructure that iscommitted by an individual or individualsand that appears to be part of an effort tocoerce the civilian population or to influ-ence the policy or affect the conduct ofany government by coercion, and the actis not a "certified act of terrorism".

B. The following exclusion is added:

EXCLUSION OF CERTIFIED ACTS ANDOTHER ACTS OF TERRORISM

We will not pay for any loss, injury or damagecaused directly or indirectly by a "certified actof terrorism" or an "other act of terrorism".Such loss or damage is excluded regardlessof any other cause or event that contributesconcurrently or in any sequence to the loss.

But with respect to an "other act of terrorism",this exclusion applies only when one or moreof the following are attributed to such act:

1. The terrorism is carried out by means ofthe dispersal or application of pathogenicor poisonous biological or chemical mate-rials;

2. Pathogenic or poisonous biological orchemical materials are released, and itappears that one purpose of the terrorismwas to release such materials;

3. The total of insured damage to all typesof property in the United States, its territo-ries and possessions, Puerto Rico andCanada exceeds $25,000,000. In deter-mining whether the $25,000,000 thresh-old is exceeded, we will include all in-sured damage sustained by property ofall persons and entities affected by theterrorism and business interruptionlosses sustained by owners or occupantsof the damaged property. For the pur-pose of this provision, insured damagemeans damage that is covered by anyinsurance plus damage that would becovered by any insurance but for the ap-plication of any terrorism exclusions. Mul-tiple incidents of "other acts of terrorism"which occur within a 72-hour period andappear to be carried out in concert or tohave a related purpose or common lead-ership will be deemed to be one incident;

4. Fifty or more persons sustain death or se-rious physical injury. For the purposes ofthis provision, serious physical injurymeans:

a. Physical injury that involves a sub-stantial risk of death;

b. Protracted and obvious physical dis-figurement; or

c. Protracted loss of or impairment ofthe function of a bodily member ororgan; or



5. The terrorism involves the use, release orescape of nuclear materials, or directly orindirectly results in nuclear reaction or ra-diation or radioactive contamination.

Paragraphs B.3. and B.4. immediately pre-ceding, describe the threshold used to meas-ure the magnitude of an "other act of terror-ism" and the circumstances in which thethreshold will apply, for the purpose of deter-mining whether this Exclusion will apply to thatincident. When the Exclusion applies to an"other act of terrorism", there is no coverageunder this Coverage Part, Coverage Form,Policy or Endorsement, except as provided inthis Endorsement.

However, Paragraph B.4. immediately pre-ceding, is not to be used as a threshold tomeasure the magnitude of an "other act of ter-rorism" for the purposes of determining if thisexclusion applies to a Commercial PropertyCoverage Part, Commercial Inland MarineCoverage Part, Machinery and EquipmentCoverage Part, Commercial Crime CoverageForm, Commercial Crime Policy, EmployeeTheft and Forgery Policy, Farm Property Cov-erage Part, Government Crime CoverageForm, Government Crime Policy, StandardProperty Policy, or Section I of the Business-owners Package Policy.

C. Exception Covering Certain Fire Losses

The following modifies insurance providedunder the following: Commercial Inland Ma-rine Coverage Part, Commercial PropertyCoverage Part, Farm Coverage Part andStandard Property Policy:

If a "certified act of terrorism" or an "other actof terrorism" causes fire damage to propertythat is subject to the Standard Fire Policy in astate that utilizes the Standard Fire Policy asits minimum fire coverage standard, we willpay for the loss or damage caused by thatfire. Such coverage for fire applies only to di-rect loss or damage by fire to Covered Prop-erty. Therefore, for example, the coveragedoes not apply to insurance provided underBusiness Income and / or Extra Expense cov-erages, or to the Legal Liability CoverageForm or the Leasehold Interest CoverageForm.

With respect to fire resulting from any one ormore "certified acts of terrorism" under thefederal Terrorism Risk Insurance Act, we willnot pay any amounts for which we are not re-sponsible under the terms of that Act (includ-ing subsequent action of Congress pursuantto the Act) due to the application of any clausewhich results in a cap on our liability for pay-ments for terrorism losses.

This Section C. does not apply to:

1. A Coverage Part for a "certified act of ter-rorism" or "other act of terrorism" that oc-curs in a state that allows an exceptionfor fire resulting from terrorism; or

2. An Inland Marine Coverage Part for a"certified act of terrorism" or "other act ofterrorism" that occurs in a state that al-lows a commercial inland marine excep-tion,

to its Standard Fire Policy minimum fire cov-erage regulations.

D. Exception Covering Minimum FinancialResponsibility

The following applies to the Business AutoCoverage Form, Business Auto PhysicalDamage Coverage Form, Garage CoverageForm, Motor Carrier Coverage Form, SingleInterest Automobile Physical Damage Insur-ance Policy and Truckers Coverage Form ifthey are included in, or are part of, this Policyand if the "certified act of terrorism" or "otheract of terrorism" causes loss in a state that re-quires compulsory or financial responsibilityminimum limits apply to excluded acts of ter-rorism:

The exclusion stated in Section B. of this en-dorsement does not apply to:

1. Liability or Personal Injury ProtectionCoverage, but only up to the state com-pulsory or financial responsibility lawminimum limits of insurance for eachcoverage; and

2. Uninsured and / or Underinsured Motor-ists Coverage, if applicable, but only up tothe minimum statutory permitted limits ofinsurance for each coverage.

E. Application of Other Exclusions

The terms and limitations of any terrorism ex-clusion, or the inapplicability or omission of aterrorism exclusion, do not serve to createcoverage for any loss which would otherwisebe excluded under this Coverage Part, Cov-erage Form, Policy or endorsement such aslosses excluded by:

1. Exclusions that address war, warlike ac-tion, insurrection, rebellion, revolution,military action, nuclear hazard, nuclearmaterials, nuclear reaction, radiation, orradioactive contamination;

2. Exclusions that address pollutants, con-tamination, deterioration, fungi or bacte-ria; or

3. Any other exclusion,



regardless if the "certified act of terrorism" or"other act of terrorism" contributes concur-rently or in any sequence to the loss, injury ordamage.

F. Conformity With Statute

If any terms or conditions of this endorsementare in conflict with the laws of the jurisdictionunder which this policy is construed, thensuch terms and conditions will be deemedchanged to conform with such laws, but onlyto the extent that such terms and conditionsare otherwise covered by the Coverage Part,Coverage Form, Policy or Endorsement towhich this endorsement applies.

G. Supersession

The exclusions for acts of terrorism in this en-dorsement supersede any offers of terrorismcoverage.

H. Sunset Clause

If the federal Terrorism Risk Insurance Actexpires or is repealed, then this endorsementis null and void for any act of terrorism except"other acts of terrorism" that takes place afterthe expiration or repeal of the Act.

Includes copyrighted material of InsuranceIA 4112 WI 06 14 Services Office, Inc., with its permission. Page 1 of 3


WISCONSIN CHANGES - CANCELLATION AND NONRENEWAL


CLAIMS-MADE CONTRACTORS ERRORS AND OMISSIONS COVERAGE FORMCLAIMS-MADE EXCESS LIABILITY COVERAGE PARTCOMMERCIAL AUTO COVERAGE PARTCOMMERCIAL CRIME AND FIDELITY COVERAGE PARTCOMMERCIAL GENERAL LIABILITY COVERAGE PARTCOMMERCIAL INLAND MARINE COVERAGE PARTCOMMERCIAL OUTPUT POLICYCOMMERCIAL PROPERTY COVERAGE PARTCOMMERCIAL UMBRELLA LIABILITY COVERAGE PARTCONTRACTOR'S ERRORS AND OMISSIONS COVERAGE PART – CLAIMS-MADECONTRACTORS' LIMITED POLLUTION LIABILITY COVERAGE FORMCRIME AND FIDELITY COVERAGE PARTELECTRONIC DATA LIABILITY COVERAGE PARTEMPLOYEE BENEFIT LIABILITY COVERAGE PARTEMPLOYMENT PRACTICES LIABILITY COVERAGE PARTEXCESS LIABILITY COVERAGE PARTFARM COVERAGE PARTGOLF COURSE CHEMICAL APPLICATION LIMITED LIABILITY COVERAGE PARTHOLE-IN-ONE COVERAGE PARTINTERNET LIABILITY COVERAGE PARTLIQUOR LIABILITY COVERAGE PARTMACHINERY AND EQUIPMENT COVERAGE PARTPOLLUTION LIABILITY COVERAGE PARTPRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PARTPROFESSIONAL LIABILITY COVERAGE PARTPROFESSIONAL UMBRELLA LIABILITY COVERAGE PARTPROFESSIONAL UMBRELLA LIABILITY COVERAGE PART - CLAIMS-MADESEPTIC SYSTEMS DESIGN AND INSPECTION ERRORS AND OMISSIONS COVERAGE FORMSINGLE INTEREST AUTOMOBILE PHYSICAL DAMAGE INSURANCE POLICY

A. Paragraph 2. of the Cancellation CommonPolicy Condition is replaced by the following:

2. We may cancel this policy by mailing ordelivering to the first Named Insured writ-ten notice of cancellation at least 10 daysbefore the effective date of cancellation.

If this policy has been in effect for lessthan 60 days and is not a renewal policy,we may cancel for any reason.

If this policy has been in effect for 60 daysor more or is a renewal of a policy we is-sued, except as provided in Paragraph 7.below, we may cancel this policy only forone or more of the following reasons:

a. The policy was obtained by materialmisrepresentation;

b. There has been a substantial changein the risk we originally assumed, ex-cept to the extent that we shouldhave foreseen the change or consid-ered the risk in writing the policy;

c. There have been substantial breach-es of contractual duties, conditions orwarranties; or

d. Nonpayment of premium.

If this policy has been in effect for 60 daysor more or is a renewal of a policy we is-sued, the notice of cancellation will statethe reason for cancellation.

B. The following is added to the CancellationCommon Policy Condition:

7. Anniversary CancellationIf this policy is written for a term of morethan one year or has no fixed expirationdate, we may cancel this policy for anyreason by mailing or delivering to the firstNamed Insured written notice of cancella-tion at least 60 days before the anniver-sary date of the policy. Such cancellationwill be effective on the policy's anniversarydate.


We may cancel this policy because of thetermination of an insurance marketing in-termediary's contract with us only if thenotice of cancellation contains an offer tocontinue the policy with us if we receive awritten request from the first Named In-sured prior to the date of cancellation.

C. The following applies to the:

COMMERCIAL CRIME COVERAGE PARTCOMMERCIAL INLAND MARINE COVER-AGE PARTCOMMERCIAL PROPERTY COVERAGEPARTFARM COVERAGE PARTMACHINERY AND EQUIPMENT COVERAGEPART1. We may rescind this policy because of the

following:

a. Misrepresentation made by you or onyour behalf in the negotiation for orprocurement of this Coverage Part, ifthe person knew or should haveknown that the representation wasfalse;

b. Breach of affirmative warranty madeby you or on your behalf in the nego-tiation for or procurement of thisCoverage Part;

c. Failure of a condition before a loss ifsuch failure exists at the time of loss;or

d. Breach of a promissory warranty ifsuch breach exists at the time ofloss.

2. We may not rescind this policy:

a. For the reasons in Paragraphs C.1.a.and C.1.b. unless:

(1) We rely on the misrepresenta-tion or affirmative warranty andthe misrepresentation or affirma-tive warranty is either material ormade with intent to deceive; or

(2) The facts misrepresented orfalsely warranted contribute tothe loss.

b. For the reasons in Paragraphs C.1.c.and C.1.d. unless such failure orbreach:

(1) Increases the risk at the time ofloss; or

(2) Contributes to the loss.

3. If we elect to rescind this policy, we willnotify the first Named Insured of our inten-tion within 60 days after acquiring knowl-

edge of sufficient facts to constitutegrounds for rescission.

D. The following are added and supersede anyother provisions to the contrary:

1. Nonrenewala. If we elect not to renew this policy we

will mail or deliver written notice ofnonrenewal to the first Named In-sured's last mailing address known tous. We may elect not to renew forany reason; the notice will state thereason for nonrenewal. We will mailor deliver the notice at least 60 daysbefore the expiration date of this pol-icy.

We need not mail or deliver the no-tice if:

(1) You have insured elsewhere;

(2) You have accepted replacementcoverage;

(3) You have requested or agreed tononrenewal of this policy; or

(4) This policy is expressly desig-nated as nonrenewable.

b. We may refuse to renew this policybecause of the termination of an in-surance marketing intermediary'scontract with us only if the notice ofnonrenewal contains an offer to re-new the policy with us if we receive awritten request from the first NamedInsured prior to the renewal date.

c. If you fail to pay the renewal or con-tinuation premium by the premiumdue date, this policy will terminate onthe policy expiration or anniversarydate, if we have:

(1) Given you written notice of therenewal or continuation premiumnot more than 75 days nor lessthan 10 days prior to the duedate of the premium; and

(2) Stated clearly in the notice theeffect of nonpayment of premiumby the due date.

2. Anniversary AlterationIf this policy is written for a term of morethan one year or has no fixed expirationdate, we may alter the terms or premiumsof this policy by mailing or delivering writ-ten notice of less favorable terms or pre-miums to the first Named Insured's lastmailing address known to us. We willmail, by first class mail, or deliver this no-


tice at least 60 days prior to the anniver-sary date.

If we notify the first Named Insured within60 days prior to the anniversary date, thenew terms or premiums will not take ef-fect until 60 days after the notice wasmailed or delivered. The notice will in-clude a statement of the first Named In-sured's right to cancel. The first NamedInsured may elect to cancel the policy atany time during the 60-day period, in ac-cordance with Paragraph 1. of the Cancel-lation Common Policy Condition. If thefirst Named Insured elects to cancel thepolicy during the 60 day period, returnpremiums or additional premium chargeswill be calculated proportionately on thebasis of the old premiums.

3. Renewal with Altered TermsIf we elect to renew this policy but on lessfavorable terms or at higher premiums,we will mail or deliver written notice of thenew terms or premiums to the first NamedInsured's last mailing address known tous. We will mail, by first class mail, or de-liver this notice at least 60 days prior tothe renewal date.

If we notify the first Named Insured within60 days prior to the renewal date, the newterms or premiums will not take effect un-til 60 days after the notice was mailed ordelivered. The notice will include a state-ment of the first Named Insured's right to

cancel. The first Named Insured mayelect to cancel the renewal policy at anytime during the 60 day period, in accor-dance with Paragraph 1. of the Cancella-tion Common Policy Condition. If the firstNamed Insured elects to cancel the re-newal policy during the 60 day period, re-turn premiums or additional premiumcharges will be calculated proportionatelyon the basis of the old premiums.

We need not mail or deliver this notice ifthe only change adverse to you is a pre-mium increase that:

a. Is less than 25% and is generally ap-plicable to the class of business towhich this policy belongs; or

b. Results from a change based on youraction that alters the nature or extentof the risk insured against, includingbut not limited to a change in theclassification or the units of exposure,or increased policy coverage.

E. Special Provision - Cancellation and Non-renewalWith respect to insurance provided under theCommercial Auto Coverage Part, we will notcancel or refuse to renew Liability Coveragewholly or partially because of age, sex, resi-dence, race, color, creed, religion, national ori-gin, ancestry, marital status or occupation ofanyone who is an insured.

IA 4338 05 11

SIGNATURE ENDORSEMENT

IN WITNESS WHEREOF, this policy has been signed by our President and Secretary in the City of Fairfield,Ohio, but this policy shall not be binding upon us unless countersigned by an authorized representative ofours. The failure to countersign does not void coverage in Arizona, Virginia and Wisconsin.

Secretary President

The signature on any form, endorsement, policy, declarations, jacket or application other than the signature ofthe President or Secretary named above is deleted and replaced by the above signatures.

Includes copyrighted material of InsuranceIA 4442 05 14 Services Office, Inc., with its permission. Page 1 of 2

NOTICE TO POLICYHOLDERS - EXCLUSION - ACCESS ORDISCLOSURE OF CONFIDENTIAL OR PERSONALINFORMATION AND DATA-RELATED LIABILITY

This is a notice of a change in your policy. NO COVERAGE IS PROVIDED BY THIS NOTICE nor can it beconstrued to replace any provisions of your policy. YOU SHOULD READ YOUR POLICY AND REVIEWYOUR DECLARATIONS PAGE for complete information on the coverage you are provided. If there is anyconflict between the policy and this notice, THE PROVISIONS OF THE POLICY SHALL PREVAIL.

This notice applies to the following coverage parts:BUSINESSOWNERS PACKAGE POLICYCLAIMS-MADE EXCESS LIABILITY COVERAGE PARTCOMMERCIAL GENERAL LIABILITY COVERAGE PARTCOMMERCIAL UMBRELLA LIABILITY COVERAGE PARTELECTRONIC DATA LIABILITY COVERAGE PARTEXCESS LIABILITY COVERAGE PARTFARM LIABILITY COVERAGE FORMOWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PARTPERSONAL LIABILITY ENDORSEMENTPRODUCTS/COMPLETED OPERATIONS COVERAGE PARTPROFESSIONAL UMBRELLA LIABILITY COVERAGE PARTPROFESSIONAL UMBRELLA LIABILITY COVERAGE PART - CLAIMS-MADE

This Notice provides information concerning the following new endorsements. More than one may apply toyour renewal policy being issued by us:

The following forms apply to Commercial General Liability Coverage Part (CG or GA prefix),Businessowners Package Policy (IB prefix), Farm Liability Coverage Form or Personal LiabilityEndorsement (FL prefix), or Umbrella or Excess Liability Coverage Parts (US or XS prefix).Forms: GA 3024 05 14, FL 10 12 12 14, IB 320 05 14 or US 3093 05 14 all titled:

Exclusion - Access or Disclosure of Confidential or Personal Information and Data-Related Liability -With Limited Bodily Injury ExceptionWhen one of these endorsements is attached to your policy:

• For any liability or damages for Bodily Injury and Property Damage Liability, coverage is excluded fordamages arising out of any access to or disclosure of confidential or personal information. This is areinforcement of coverage.

• For any liability or damages for Personal and Advertising Injury Liability, coverage is excluded for personaland advertising injury arising out of any access to or disclosure of confidential or personal information. Tothe extent that any access or disclosure of confidential or personal information results in an oral or writtenpublication that violates a person's right of privacy, this may result in a reduction in coverage.

Forms: GA 3025 05 14, FL 10 13 12 14, IB 321 05 14 or US 3094 05 14 all titled:

Exclusion - Access or Disclosure of Confidential or Personal Information and Data-Related Liability -Limited Bodily Injury Exception Not IncludedWhen one of these endorsements is attached to your policy:

• For any liability or damages for Bodily Injury and Property Damage Liability, coverage is excluded fordamages arising out of any access to or disclosure of confidential or personal information. This is areinforcement of coverage. However, when this endorsement is attached, it will result in a reduction ofcoverage due to the deletion of an exception with respect to damages because of bodily injury arising outof loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate electronicdata.

• For any liability or damages for Personal and Advertising Injury Liability, coverage is excluded for personaland advertising injury arising out of any access to or disclosure of confidential or personal information. Tothe extent that any access or disclosure of confidential or personal information results in an oral or writtenpublication that violates a person's right of privacy, this may result in a reduction in coverage.

Includes copyrighted material of InsuranceIA 4442 05 14 Services Office, Inc., with its permission. Page 2 of 2

Forms CG 21 08 05 14 Exclusion - Access or Disclosure of Confidential or Personal Information(Coverage B only), IB 322 05 14 Exclusion - Access or Disclosure of Confidential or PersonalInformation (Personal and Advertising Injury Only), and US 3095 05 14 and XS 345 05 14 Both titled:Exclusion - Access or Disclosure of Confidential or Personal InformationWhen one of these endorsements is attached to your policy, coverage is excluded for personal and advertisinginjury arising out of any access to or disclosure of confidential or personal information. To the extent that anyaccess or disclosure of confidential or personal information results in an oral or written publication that violatesa person's right of privacy, this may result in a reduction in coverage

Forms GA 237 05 14 Electronic Data Liability Endorsement and FL 04 22 12 14 Electronic Data LiabilityWith respect to damages arising out of access or disclosure of confidential or personal information, when thisendorsement is attached to your policy:

• Under Bodily Injury and Property Damage Liability, coverage is excluded for damages arising out of anyaccess to or disclosure of confidential or personal information. This is a reinforcement of coverage.

• Under Personal and Advertising Injury Liability, coverage is excluded for personal and advertising injuryarising out of any access to or disclosure of confidential or personal information. To the extent that anyaccess or disclosure of confidential or personal information results in an oral or written publication thatviolates a person's right of privacy, this may result in a reduction in coverage.

The following forms apply to the coverage(s) indicated under each description of the form number andtitle.GA 3026 05 14 - Exclusion - Access or Disclosure of Confidential or Personal Information and Data-Related Liability - With Limited Bodily Injury Exception (For use with The Owners and ContractorsProtective Liability Coverage Part and Products/Completed Operations Coverage Part)

When this endorsement is attached to your policy, coverage is excluded for damages arising out of any accessto or disclosure of confidential or personal information. This is a reinforcement of coverage.

GA 3027 05 14 - Exclusion - Access or Disclosure of Confidential or Personal Information and Data-Related Liability - Limited Bodily Injury Exception Not Included (For use with The Owners andContractors Protective Liability and Products/Completed Operations Liability Coverage Parts)

When this endorsement is attached to your policy, coverage is excluded for damages arising out of any accessto or disclosure of confidential or personal information. This is a reinforcement of coverage.

However, when this endorsement is attached, it will result in a reduction of coverage due to the deletion of anexception with respect to damages because of bodily injury arising out of loss of, loss of use of, damage to,corruption of, inability to access, or inability to manipulate electronic data.

CG 33 63 - Exclusion - Access, Disclosure or Unauthorized Use of Electronic Data (For use with TheElectronic Data Liability Coverage Part)

With respect to damages arising out of access or disclosure of confidential or personal information, when thisendorsement is attached to your policy coverage is excluded for damages arising out of any access to ordisclosure of confidential or personal information. This is a reinforcement of coverage.

However, to the extent that damages arising out of theft or unauthorized viewing, copying, use, corruption,manipulation or deletion, of electronic data by any Named Insured, past or present employee, temporaryworker or volunteer worker of the Named Insured may extend beyond loss of electronic data arising out ofsuch theft or the other listed items, this revision may be considered a reduction in coverage.

FL 10 14 12 14 - Exclusion - Electronic Data (Bodily Injury and Property Damage Liability Only) andAccess or Disclosure of Confidential or Personal Information (Personal or Advertising Injury LiabilityOnly) (For use with Farm Liability Coverage Form or Personal Liability Endorsement)

With respect to bodily injury and property damage arising out of the loss of, loss of use of, damage to,corruption of, inability to access, or inability to manipulate electronic data, these changes are a reinforcementof coverage intent. Coverage for such injury or damage is not intended to be provided under theaforementioned forms.

However, to the extent that any access or disclosure of confidential or personal information results in an oral orwritten publication that violates a person's right of privacy, this revision may be considered a reduction inpersonal injury and advertising injury coverage.

IA 449 WI 01 89

WISCONSIN AMENDATORY ENDORSEMENT

Where it may be stated that a policy shall not be valid or effective until countersigning on the DeclarationsPage by a duly authorized agent of the company, this statement is not applicable to policies issued or deliv-ered in Wisconsin.

IP 406 WI 01 90

NOTICE TO POLICYHOLDER - CANCELLATION

As required by Wisconsin law, this notice is intended to make you aware that you may pay a substantial pen-alty if you cancel this policy prior to its expiration date. Please carefully read the Policy Conditions.

IP427WI (7/12)

KEEP THIS NOTICE WITH YOUR INSURANCE PAPERS

PROBLEMS WITH YOUR INSURANCE? - If you are having problems with your insurance company or agent,do not hesitate to contact the insurance company or agent to resolve your problem.

The Cincinnati Insurance CompanyP.O. Box 145496Cincinnati, Ohio 45250-5496Toll Free 1-888-242-8811Telephone (513) 870-2000The Cincinnati Casualty CompanyP.O. Box 145496Cincinnati, Ohio 45250-5496Toll Free 1-888-242-8811Telephone (513) 870-2000The Cincinnati Indemnity CompanyP.O. Box 145496Cincinnati, Ohio 45250-5496Toll Free 1-888-242-8811Telephone (513) 870-2000The Cincinnati Life Insurance CompanyP.O. Box 145496Cincinnati, Ohio 45250-5496Toll Free 1-888-242-8811Telephone (513) 870-2000

You can also contact the OFFICE OF THE COMMISSIONER OF INSURANCE, a state agency which enforcesWisconsin's insurance laws, and file a complaint. You can contact the OFFICE OF THE COMMISSIONER OFINSURANCE by contacting:

Office of the Commissioner of InsuranceComplaints DepartmentP.O. Box 7873Madison, WI 53707-7873

or you can call 1-800-236-8517 outside of Madison or 266-3585 in Madison, and request a complaint form.

THE CINCINNATI INSURANCE COMPANYA Stock Insurance Company

COMMERCIAL GENERAL LIABILITY COVERAGEPART DECLARATIONS

Attached to and forming part of POLICY NUMBER:

Named Insured is the same as it appears in the Common Policy Declarations

LIMITS OF INSURANCEEACH OCCURRENCE LIMIT $GENERAL AGGREGATE LIMIT $PRODUCTS-COMPLETED OPERATIONS AGGREGATE LIMIT $PERSONAL & ADVERTISING INJURY LIMIT $ ANY ONE PERSON OR

ORGANIZATIONDAMAGE TO PREMISES RENTED TO YOU LIMIT ANY ONE$100,000 limit unless otherwise indicated herein: $ PREMISESMEDICAL EXPENSE LIMIT$5,000 limit unless otherwise indicated herein: $ ANYONEPERSON

ENP 013 70 17

1,000,0002,000,0002,000,0001,000,000

CLASSIFICATION CODENO.

PREMIUMBASE

RATE ADVANCE PREMIUM

A - AreaB - PayrollC - Gross SalesD - UnitsE - Other

Products /CompletedOperations

All Other Products /CompletedOperations

All Other

LOC. 1 - WICLUBS - CIVIC, SERVICE 41670 E12 EACH 1.365 250OR SOCIAL - NFPINCL PROD AND/OR COMP OP

The General Liability Coverage Part is subject to anannual minimum premium.

TOTAL ANNUAL PREMIUM $ 250

FORMS AND / OR ENDORSEMENTS APPLICABLE TO COMMERCIAL GENERAL LIABILITY COVERAGE PART:COMMERCIAL GENERAL LIABILITY COVERAGE FORMGA101 12/04WISCONSIN CHANGES - AMENDMENT OF POLICY CONDITIONSCG0124 01/93ADDITIONAL INSURED--CLUB MEMBERSCG2002 11/85EXCLUSION - ACCESS OR DISCLOSURE OF CONFIDENTIAL OR PERSONAL INFORMATION AND DATA-RELATED LIABILITY - WITH LIMITED BODILY INJURY EXCEPTION

GA3024 05/14

MOBILE EQUIPMENT SUBJECT TO MOTOR VEHICLE INSURANCE LAWSGA4250 11/05

GA 532 07 08 Page ofENP 013 70 17 1 1

Includes copyrighted material of InsuranceGA 101 12 04 Services Office, Inc., with its permission. Page 1 of 22

COMMERCIAL GENERAL LIABILITY COVERAGE FORM

Various provisions in this Coverage Part restrictthis insurance. Read the entire Coverage Partcarefully to determine rights, duties and what isand is not covered.

Throughout this Coverage Part the words "you"and "your" refer to the Named Insured shown inthe Declarations, and any other person or organi-zation qualifying as a Named Insured under thisCoverage Part. The words "we", "us" and "our"refer to the Company providing this insurance.

The word "insured" means any person or organi-zation qualifying as such under SECTION II - WHOIS AN INSURED.

Other words and phrases that appear in quotationmarks have special meaning. Refer to SECTIONV - DEFINITIONS.

SECTION I - COVERAGES

COVERAGE A. BODILY INJURY AND PROP-ERTY DAMAGE LIABILITY

1. Insuring Agreement

a. We will pay those sums that the insuredbecomes legally obligated to pay asdamages because of "bodily injury" or"property damage" to which this insur-ance applies. We will have the right andduty to defend the insured against any"suit" seeking those damages. However,we will have no duty to defend the in-sured against any "suit" seeking dam-ages for "bodily injury" or "property dam-age" to which this insurance does notapply. We may, at our discretion, investi-gate any "occurrence" and settle anyclaim or "suit" that may result. But:

(1) The amount we will pay for damagesis limited as described in SECTIONIII - LIMITS OF INSURANCE; and

(2) Our right and duty to defend endswhen we have used up the applica-ble limit of insurance in the paymentof judgments or settlements underSECTION I - COVERAGES, COV-ERAGE A. BODILY INJURY ANDPROPERTY DAMAGE LIABILITY;SECTION I - COVERAGES, COV-ERAGE B. PERSONAL AND AD-VERTISING INJURY LIABILITY; ormedical expenses under SECTION I- COVERAGES, COVERAGE C.MEDICAL PAYMENTS.

No other obligation or liability to pay sumsor perform acts or services is coveredunless expressly provided for under

SUPPLEMENTARY PAYMENTS - COV-ERAGES A AND B.

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

(1) The "bodily injury" or "property dam-age" is caused by an "occurrence"that takes place in the "coverage ter-ritory";

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

(3) Prior to the "coverage term" in which"bodily injury" or "property damage"occurs, you did not know, per Para-graph 1.d. below, that the "bodily in-jury" or "property damage" had oc-curred or had begun to occur, inwhole or in part.

c. "Bodily injury" or "property damage"which:

(1) Occurs during the "coverage term";and

(2) Was not, prior to the "coverageterm", known by you, per Paragraph1.d. below, to have occurred;

includes any continuation, change or re-sumption of that "bodily injury" or "prop-erty damage" after the end of the "cover-age term" in which it first became knownby you.

d. You will be deemed to know that "bodilyinjury" or "property damage" has oc-curred at the earliest time when any"authorized representative":

(1) Reports all, or any part, of the "bodilyinjury" or "property damage" to us orany other insurer;

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

(3) First observes, or reasonably shouldhave first observed, the "bodily in-jury" or "property damage";

(4) Becomes aware, or reasonablyshould have become aware, by anymeans other than as described in (3)above, that "bodily injury" or "prop-erty damage" had occurred or hadbegun to occur; or

(5) Becomes aware, or reasonablyshould have become aware, of a


condition from which "bodily injury"or "property damage" is substantiallycertain to occur.

e. Damages because of "bodily injury" in-clude damages claimed by any person ororganization for care, loss of services ordeath resulting at any time from the "bod-ily injury".

2. Exclusions

This insurance does not apply to:

a. Expected or Intended Injury

"Bodily injury" or "property damage"which may reasonably be expected to re-sult from the intentional or criminal acts ofthe insured or which is in fact expected orintended by the insured, even if the injuryor damage is of a different degree or typethan actually expected or intended. Thisexclusion does not apply to "bodily injury"resulting from the use of reasonable forceto protect persons or property.

b. Contractual Liability

"Bodily injury" or "property damage" forwhich the insured is obligated to paydamages by reason of the assumption ofliability in a contract or agreement. Thisexclusion does not apply to liability fordamages:

(1) That the insured would have in theabsence of the contract or agree-ment; or

(2) Assumed in a contract or agreementthat is an "insured contract", pro-vided the "bodily injury" or "propertydamage" occurs subsequent to theexecution of the contract or agree-ment. When a claim for such "bodilyinjury" or "property damage" ismade, we will defend that claim pro-vided the insured has assumed theobligation to defend such claim in the"insured contract". Such defensepayments will not reduce the limits ofinsurance.

c. Liquor Liability

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

(1) Causing or contributing to the intoxi-cation of any person;

(2) The furnishing of alcoholic bever-ages to a person under the legaldrinking age or under the influenceof alcohol; or

(3) Any statute, ordinance or regulationrelating to the sale, gift, distributionor use of alcoholic beverages.

This exclusion applies only if you are inthe business of manufacturing, distribut-ing, selling, serving or furnishing alcoholicbeverages.

d. Workers' Compensation and SimilarLaws

Any obligation of the insured under aworkers' compensation, disability benefitsor unemployment compensation law orany similar law.

e. Employer's Liability

"Bodily injury" to:

(1) An "employee" of the insured sus-tained in the "workplace";

(2) An "employee" of the insured arisingout of the performance of duties re-lated to the conduct of the insured'sbusiness; or

(3) The spouse, child, parent, brother orsister of that "employee" as a conse-quence of Paragraphs (1) or (2)above.

This exclusion applies:

(1) Whether the insured may be liableas an employer or in any other ca-pacity; and

(2) To any obligation to share damageswith or repay someone else whomust pay damages because of theinjury.

This exclusion does not apply to liabilityassumed by the insured under an "in-sured contract".

f. Pollutant

(1) "Bodily injury" or "property damage"arising out of the actual, alleged orthreatened discharge, dispersal,seepage, migration, release, escapeor emission of "pollutants":

(a) At or from any premises, site orlocation which is or was at anytime owned or occupied by, orrented or loaned to, any insured.However, Paragraph (a) doesnot apply to:

1) "Bodily injury" to any personinjured while on any prem-ises, site or location ownedor occupied by, or rented orloaned to, you provided:


a) The injury is caused bythe inadequate ventila-tion of vapors;

b) The person injured isfirst exposed to suchvapors during the pol-icy period; and

c) Within 30 days of suchfirst exposure, the per-son injured is clinicallydiagnosed or treatedby a physician for themedical conditioncaused by the expo-sure to such vapors.However, Paragraph c)does not apply if the"bodily injury" is causedby vapors produced byor originating fromequipment that is usedto heat, cool or dehu-midify the building, orequipment that is usedto heat water for per-sonal use, by thebuilding's occupants ortheir guests.

This exception 1) shall ap-ply only to Named Insureds;we shall have no duty todefend or pay damages forany person or organizationthat is not a Named In-sured. However, this para-graph does not apply if the"bodily injury" is caused byvapors produced by ororiginating from equipmentthat is used to heat, cool ordehumidify the building, orequipment that is used toheat water for personal use,by the building's occupantsor their guests.

For the purpose of the ex-ception granted in Para-graph 1) only, vaporsmeans any gaseous or air-borne irritant or airbornecontaminant, includingsmoke, fumes, vapor orsoot, but excluding asbes-tos, which is discharged,dispersed, emitted, re-leased or escapes frommaterials, machinery orequipment used in theservice or maintenance ofthe premises. Vapors doesnot mean any gaseous or

airborne irritants or con-taminants used in a manu-facturing process or whichis the product or by-productof any manufacturing proc-ess;

2) "Bodily injury" or "propertydamage" for which you maybe held liable, if you are acontractor, and the owneror lessee of such premises,site or location has beenadded to this Coverage Partas an additional insuredwith respect to your ongo-ing operations or "yourwork" performed for thatadditional insured at thatpremises, site or locationand such premises, site orlocation is not and neverwas owned or occupied by,or rented or loaned to, anyinsured, other than that ad-ditional insured; or

3) "Bodily injury" or "propertydamage" arising out of heat,smoke or fumes from a"hostile fire";

(b) At or from any premises, site orlocation which is or was at anytime used by or for any insuredor others for the handling, stor-age, disposal, processing ortreatment of waste;

(c) Which are or were at any timetransported, handled, stored,treated, disposed of, or proc-essed as waste by or for:

1) Any insured; or

2) Any person or organizationfor whom you may be le-gally responsible;

(d) At or from any premises, site orlocation on which any insured orany contractors or subcontrac-tors working directly or indirectlyon any insured's behalf areperforming operations if the"pollutants" are brought on or tothe premises, site or location inconnection with such operationsby such insured, contractor orsubcontractor. However, Para-graph (d) does not apply to:

1) "Bodily injury" or "propertydamage" arising out of thedischarge, dispersal, seep-age, migration, release, es-


cape or emission of fuels,lubricants or other operatingfluids, or exhaust gases,which are needed to per-form, or are the result of,the normal electrical, hy-draulic or mechanical func-tions necessary for the op-eration of "mobile equip-ment" or its parts, if suchfuels, lubricants or otheroperating fluids, or exhaustgases, escape, seep or mi-grate, or are discharged,dispersed, released oremitted from a vehicle partdesigned to hold, store orreceive them. This excep-tion does not apply if the fu-els, lubricants or other op-erating fluids, or exhaustgases, escape, seep or mi-grate, or are discharged,dispersed, released oremitted with the intent tocause "bodily injury" or"property damage" or withthe knowledge that "bodilyinjury" or "property damage"is substantially certain tooccur, or if such fuels, lubri-cants or other operatingfluids, or exhaust gases,are brought on or to thepremises, site or locationwith such intent to escape,seep or migrate, or be dis-charged, dispersed, re-leased or emitted as part ofthe operations being per-formed by such insured,contractor or subcontractor;

2) "Bodily injury" or "propertydamage" sustained within abuilding and caused by therelease of gases, fumes orvapors from materialsbrought into that building inconnection with operationsbeing performed by you oron your behalf by a con-tractor or subcontractor; or

3) "Bodily injury" or "propertydamage" arising out of heat,smoke or fumes from a"hostile fire"; or

(e) At or from any premises, site orlocation on which any insured orany contractors or subcontrac-tors working directly or indirectlyon any insured's behalf areperforming operations if the op-

erations are to test for, monitor,clean up, remove, contain, treat,detoxify or neutralize, or in anyway respond to, or assess theeffects of, "pollutants".

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

(a) Request, demand, order orstatutory or regulatory require-ment that any insured or otherstest for, monitor, clean up, re-move, contain, treat, detoxify orneutralize, or in any way re-spond to, or assess the effectsof, "pollutants"; or

(b) Claim or suit by or on behalf of agovernmental authority for dam-ages because of testing for,monitoring, cleaning up, remov-ing, containing, treating, detoxi-fying or neutralizing, or in anyway responding to, or assessingthe effects of, "pollutants".

However, Paragraphs (2)(a) and (b)do not apply to liability for damagesbecause of "property damage" thatthe insured would have in the ab-sence of such request, demand, or-der or statutory or regulatory re-quirement, or such claim or "suit" byor on behalf of a governmentalauthority.

g. Aircraft, Auto or Watercraft

"Bodily injury" or "property damage" aris-ing out of the ownership, maintenance,use or entrustment to others of any air-craft, "auto" or watercraft owned or oper-ated by or rented or loaned to any in-sured. Use includes operation and"loading or unloading".

This exclusion applies even if the claimsagainst any insured allege negligence orother wrongdoing in the supervision, hir-ing, employment, training or monitoring ofothers by that insured, if the "occurrence"which caused the "bodily injury" or "prop-erty damage" involved the ownership,maintenance, use or entrustment to oth-ers of any aircraft, "auto" or watercraftthat is owned or operated by or rented orloaned to any insured.

This exclusion does not apply to:

(1) A watercraft while ashore on prem-ises you own or rent;

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

(a) Less than 51 feet long; and


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

(3) Parking an "auto" on, or on the waysnext to, premises you own or rent,provided the "auto" is not owned byor rented or loaned to you or the in-sured;

(4) Liability assumed under any "insuredcontract" for the ownership, mainte-nance or use of aircraft or watercraft;or

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

(a) The operation of machinery orequipment that is on, attachedto, or part of, a land vehicle thatwould qualify under the defini-tion of "mobile equipment" if itwere not subject to a compul-sory or financial responsibilitylaw or other motor vehicle insur-ance law in the state where it islicensed or principally garaged;or

(b) The operation of any of the ma-chinery or equipment listed inParagraph f.(2) or f.(3) of thedefinition of "mobile equipment".

h. Mobile Equipment

"Bodily injury" or "property damage" aris-ing out of:

(1) The transportation of "mobile equip-ment" by an "auto" owned or oper-ated by or rented or loaned to anyinsured; or

(2) The use of "mobile equipment" in, orwhile in practice for, or while beingprepared for, any prearranged rac-ing, speed, demolition, or stuntingactivity.

i. War

"Bodily injury" or "property damage",however caused, arising, directly or indi-rectly, out of:

(1) War, including undeclared or civilwar;

(2) Warlike action by a military force, in-cluding action in hindering or de-fending against an actual or ex-pected attack, by any government,sovereign or other authority usingmilitary personnel or other agents; or

(3) Insurrection, rebellion, revolution,usurped power, or action taken by

governmental authority in hinderingor defending against any of these.

j. Damage to Property

"Property damage" to:

(1) Property you own, rent or occupy,including any costs or expenses in-curred by you, or any other person,organization or entity, for repair, re-placement, enhancement, restora-tion or maintenance of such propertyfor any reason, including preventionof injury to a person or damage toanother's property;

(2) Premises you sell, give away orabandon, if the "property damage"arises out of any part of those prem-ises;

(3) Property loaned to you;

(4) Personal property in the care, cus-tody or control of an insured;

(5) That particular part of real propertyon which you or any contractors orsubcontractors working directly orindirectly on your behalf are per-forming operations, if the "propertydamage" arises out of those opera-tions; or

(6) That particular part of any propertythat must be restored, repaired orreplaced because "your work" wasincorrectly performed on it.

Paragraphs (1), (3) and (4) of this exclu-sion do not apply to "property damage"(other than damage by fire or explosion)to premises, including the contents ofsuch premises, rented to you for a periodof 7 or fewer consecutive days, for whichthe amount we will pay is limited to theDamage To Premises Rented To YouLimit as described in SECTION III - LIM-ITS OF INSURANCE.

Paragraph (2) of this exclusion does notapply if the premises are "your work" andwere never occupied, rented or held forrental by you.

Paragraphs (3), (4), (5) and (6) of this ex-clusion do not apply to liability assumedunder a sidetrack agreement.

Paragraph (6) of this exclusion does notapply to "property damage" included inthe "products-completed operations haz-ard".

k. Damage to Your Product

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


l. Damage to Your Work

"Property damage" to "your work" arisingout of it or any part of it and included inthe "products-completed operations haz-ard".

This exclusion does not apply if the dam-aged work or the work out of which thedamage arises was performed on yourbehalf by a subcontractor.

m. Damage to Impaired Property or Prop-erty Not Physically Injured

"Property damage" to "impaired property"or property that has not been physicallyinjured, arising out of:

(1) A defect, deficiency, inadequacy ordangerous condition in "your prod-uct" or "your work"; or

(2) A delay or failure by you or anyoneacting on your behalf to perform acontract or agreement in accordancewith its terms.

This exclusion does not apply to the lossof use of other property arising out ofsudden and accidental physical injury to"your product" or "your work" after it hasbeen put to its intended use.

n. Recall of Products, Work or ImpairedProperty

Any liability or damages claimed for anyloss, cost or expense incurred by you orothers for the loss of use, withdrawal, re-call, inspection, repair, replacement, ad-justment, removal or disposal of:

(1) "Your product";

(2) "Your work"; or

(3) "Impaired property";

if such product, work or property is with-drawn or recalled from the market or fromuse by any person or organization be-cause of a known or suspected defect,deficiency, inadequacy or dangerouscondition in it.

o. Personal and Advertising Injury

"Bodily injury" arising out of "personal andadvertising injury".

p. Asbestos

"Bodily injury" or "property damage" aris-ing out of, attributable to, or any way re-lated to asbestos in any form or trans-mitted in any manner.

q. Employment-Related Practices

"Bodily injury" to:

(1) A person arising out of any:

(a) Refusal to employ that person;

(b) Termination of that person'semployment; or

(c) Other employment-related prac-tices, policies, acts or omissionsincluding but not limited to coer-cion, criticism, demotion,evaluation, failure to promote,reassignment, discipline, defa-mation, harassment, humiliationor discrimination directed at thatperson; or

(2) The spouse, child, parent, brother orsister of that person as a conse-quence of "bodily injury" to that per-son at whom any of the employment-related practices described in Para-graphs (a), (b) or (c) above is di-rected.




r. Additional Insured Prior Knowledge

An additional insured added by attach-ment of an endorsement to this CoveragePart that is seeking coverage for a claimor "suit", if that additional insured knew,per the following paragraph, that "bodilyinjury" or "property damage" had oc-curred or had begun to occur, in whole orin part, prior to the "coverage term" inwhich such "bodily injury" or "propertydamage" occurs or begins to occur.

An additional insured added by attach-ment of an endorsement to this CoveragePart will be deemed to have known that"bodily injury" or "property damage" hasoccurred or has begun to occur at theearliest time when that additional insured,or any one of its owners, members, part-ners, managers, executive officers, "em-ployees" assigned to manage that addi-tional insured's insurance program, or"employees" assigned to give or receivenotice of an "occurrence", "personal andadvertising injury" offense, claim or "suit":


(1) Reports all, or any part, of the "bodilyinjury" or "property damage" to us orany other insurer;

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

(3) First observes, or reasonably shouldhave first observed, the "bodily in-jury" or "property damage";

(4) Becomes aware, or reasonablyshould have become aware, by anymeans other than as described in (3)above, that "bodily injury" or "prop-erty damage" had occurred or hadbegun to occur; or

(5) Becomes aware, or reasonablyshould have become aware, of acondition from which "bodily injury"or "property damage" is substantiallycertain to occur.

s. Electronic Data

Damages arising out of the loss of, lossof use of, damage to, corruption of, in-ability to access, or inability to manipulate"electronic data".

t. Distribution of Material in Violation ofStatutes

"Bodily injury" or "property damage" aris-ing directly or indirectly out of any actionor omission that violates or is alleged toviolate:

a. The Telephone Consumer ProtectionAct (TCPA), including any amend-ment of or addition to such law; or

b. The CAN-SPAM Act of 2003, includ-ing any amendment of or addition tosuch law; or

c. Any statute, ordinance or regulation,other than the TCPA or CAN-SPAMAct of 2003, that prohibits or limits thesending, transmitting, communicatingor distribution of material or informa-tion.

Exclusions c. through q. do not apply to"property damage" by fire or explosion topremises while rented to you or temporarilyoccupied by you with permission of the owner,for which the amount we will pay is limited tothe Damage to Premises Rented To You Limitas described in SECTION III - LIMITS OF IN-SURANCE.

COVERAGE B. PERSONAL AND ADVERTISINGINJURY LIABILITY


a. We will pay those sums that the insuredbecomes legally obligated to pay asdamages because of "personal and ad-vertising injury" to which this insuranceapplies. We will have the right and dutyto defend the insured against any "suit"seeking those damages. However, wewill have no duty to defend the insuredagainst any "suit" seeking damages for"personal and advertising injury" to whichthis insurance does not apply. We may,at our discretion, investigate any offenseand settle any claim or "suit" that may re-sult. But:

(1) The amount we will pay for damagesis limited as described in SECTIONIII - LIMITS OF INSURANCE; and

(2) Our right and duty to defend endswhen we have used up the applica-ble limit of insurance in the paymentof judgments or settlements underSECTION I - COVERAGES, COV-ERAGE A. BODILY INJURY ANDPROPERTY DAMAGE LIABILITY;SECTION I - COVERAGES, COV-ERAGE B. PERSONAL AND AD-VERTISING INJURY LIABILITY; ormedical expenses under SECTION I- COVERAGES, COVERAGE C.MEDICAL PAYMENTS.

No other obligation or liability to pay sumsor perform acts or services is coveredunless expressly provided for underSUPPLEMENTARY PAYMENTS - COV-ERAGES A AND B.

b. This insurance applies to "personal andadvertising injury" only if:

(1) The "personal and advertising injury"is caused by an offense arising outof your business; and

(2) The "personal and advertising injury"offense was committed in the "cov-erage territory" during the policy pe-riod; and

(3) Prior to the "coverage term" in whichthe "personal and advertising injury"offense is committed, you did notknow, per Paragraph 1.d. below, thatthe offense had been committed orhad begun to be committed, in wholeor in part.

c. "Personal and advertising injury" causedby an offense which:

(1) Was committed during the "coverageterm"; and


(2) Was not, prior to the "coverageterm", known by you, per Paragraph1.d. below, to have been committed;

includes any continuation, change or re-sumption of that offense after the end ofthe "coverage term" in which it first be-came known by you.

d. You will be deemed to know that a "per-sonal and advertising injury" offense hasbeen committed at the earliest time whenany "authorized representative":

(1) Reports all, or any part, of the "per-sonal and advertising injury" to us orany other insurer;

(2) Receives a written or verbal demandor claim for damages because of the"personal and advertising injury";

(3) First observes, or reasonably shouldhave first observed, the offense thatcaused the "personal and advertis-ing injury";

(4) Becomes aware, or reasonablyshould have become aware, by anymeans, other than as described in(3) above, that the offense had beencommitted or had begun to be com-mitted; or

(5) Becomes aware, or reasonablyshould have become aware, of acondition from which "personal andadvertising injury" is substantiallycertain to occur.

2. Exclusions


a. Knowing Violation of Rights of Another

"Personal and advertising injury" causedby or at the direction of the insured withthe knowledge that the act would violatethe rights of another and would inflict"personal and advertising injury".

b. Material Published With Knowledge ofFalsity

"Personal and advertising injury" arisingout of oral or written publication of mate-rial, if done by or at the direction of the in-sured with knowledge of its falsity.

c. Material Published Prior to CoverageTerm

"Personal and advertising injury" arisingout of oral or written publication of mate-rial whose first publication took place be-fore the later of the following:

(1) The inception of this Coverage Part;or

(2) The "coverage term" in which insur-ance coverage is sought.

d. Criminal Acts

"Personal and advertising injury" arisingout of a criminal act committed by or atthe direction of the insured.

e. Contractual Liability

"Personal and advertising injury" forwhich the insured is obligated to paydamages by reason of the assumption ofliability in a contract or agreement. Thisexclusion does not apply to liability fordamages:

(1) That the insured would have in theabsence of the contract or agree-ment; or

(2) Assumed in a contract or agreementthat is an "insured contract", pro-vided the "personal and advertisinginjury" is caused by or arises out ofan offense committed subsequent tothe execution of the contract oragreement. When a claim for such"personal and advertising injury" ismade, we will defend that claim, pro-vided the insured has assumed theobligation to defend such claim in the"insured contract". Such defensepayments will not reduce the limits ofinsurance.

f. Breach of Contract

"Personal and advertising injury" arisingout of a breach of contract, except an im-plied contract to use another's advertisingidea in your "advertisement".

g. Quality or Performance of Goods -Failure to Conform to Statements

"Personal and advertising injury" arisingout of the failure of goods, products orservices to conform with any statement ofquality or performance made in your "ad-vertisement".

h. Wrong Description of Prices

"Personal and advertising injury" arisingout of the wrong description of the priceof goods, products or services stated inyour "advertisement".

i. Infringement of Copyright, Patent,Trademark or Trade Secret

"Personal and advertising injury" arisingout of the infringement of copyright, pat-


ent, trademark, trade secret or other in-tellectual property rights.

However, this exclusion does not apply toinfringement, in your "advertisement", ofcopyright, trade dress or slogan.

j. Insureds in Media and Internet TypeBusinesses

"Personal and advertising injury" com-mitted by an insured whose business is:

(1) Advertising, broadcasting, publishingor telecasting;

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

(3) An Internet search, access, contentor service provider.

However, this exclusion does not apply toParagraphs 17. a., b. and c. of "personaland advertising injury" under SECTION V- DEFINITIONS.

For the purposes of this exclusion, theplacing of frames, borders or links, or ad-vertising, for you or others anywhere onthe Internet is not, by itself, consideredthe business of advertising, broadcasting,publishing or telecasting.

k. Electronic Chatrooms or BulletinBoards

"Personal and advertising injury" arisingout of an electronic chatroom or bulletinboard any insured hosts, owns, or overwhich any insured exercises control.

l. Unauthorized Use of Another's Nameor Product

"Personal and advertising injury" arisingout of the unauthorized use of another'sname or product in your e-mail address,domain name or metatag, or any othersimilar tactics to mislead another's poten-tial customers.

m. Employment Related Practices

"Personal and advertising injury" to:

(1) A person arising out of any:

(a) Refusal to employ that person;

(b) Termination of that person'semployment; or

(c) Other employment-related prac-tices, policies, acts or omissionsincluding but not limited to coer-cion, criticism, demotion,evaluation, failure to promote,reassignment, discipline, defa-mation, harassment, humiliation

or discrimination directed at thatperson; or

(2) The spouse, child, parent, brother orsister of that person as a conse-quence of "personal and advertisinginjury" to that person at whom any ofthe employment-related practicesdescribed in Paragraphs (a), (b) or(c) above is directed.




n. Pollutant

"Personal and advertising injury" arisingout of the actual, alleged or threateneddischarge, dispersal, seepage, migration,release, escape or emission of "pollut-ants" at any time.

o. Pollutant-Related

Any loss, cost or expense arising out ofany:

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

(2) Claim or suit by or on behalf of agovernmental authority for damagesbecause of testing for, monitoring,cleaning up, removing, containing,treating, detoxifying or neutralizing,or in any way responding to, or as-sessing the effects of, "pollutants".

p. Asbestos

"Personal and advertising injury" arisingout of, attributable to, or any way relatedto asbestos in any form or transmitted inany manner.

q. Additional Insured Prior Knowledge

An additional insured added by attach-ment of an endorsement to this CoveragePart that is seeking coverage for a claimor "suit", if that additional insured knew,per the following paragraph, that a "per-sonal and advertising injury" offense hadbeen committed or had begun to becommitted, in whole or in part, prior to the"coverage term" in which such offense


was committed or began to be commit-ted.

An additional insured added by attach-ment of an endorsement to this CoveragePart will be deemed to have known that a"personal and advertising injury" offensehas been committed or has begun to becommitted at the earliest time when thatadditional insured, or any one of its own-ers, members, partners, managers, ex-ecutive officers, "employees" assigned tomanage that additional insured's insur-ance program, or "employees" assignedto give or receive notice of an "occur-rence", "personal and advertising injury"offense, claim or "suit":

(1) Reports all, or any part, of the "per-sonal and advertising injury" to us orany other insurer;

(2) Receives a written or verbal demandor claim for damages because of the"personal and advertising injury";

(3) First observes, or reasonably shouldhave first observed, the offense thatcaused the "personal and advertis-ing injury";

(4) Becomes aware, or reasonablyshould have become aware, by anymeans other than as described in (3)above, that the "personal and adver-tising injury" offense had been com-mitted or had begun to be commit-ted; or

(5) Becomes aware, or reasonablyshould have become aware, of acondition from which "personal andadvertising injury" is substantiallycertain to occur.

r. War

"Personal and advertising injury", how-ever caused, arising, directly or indirectly,out of:

(1) War, including undeclared or civilwar;

(2) Warlike action by a military force, in-cluding action in hindering or de-fending against an actual or ex-pected attack, by any government,sovereign or other authority usingmilitary personnel or other agents; or

(3) Insurrection, rebellion, revolution,usurped power, or action taken bygovernmental authority in hinderingor defending against any of these.

s. Distribution of Material in Violation ofStatutes

"Personal and advertising injury" arisingdirectly or indirectly out of any action oromission that violates or is alleged toviolate:

a. The Telephone Consumer ProtectionAct (TCPA), including any amend-ment of or addition to such law; or

b. The CAN-SPAM Act of 2003, includ-ing any amendment of or addition tosuch law; or

c. Any statute, ordinance or regulation,other than the TCPA or CAN-SPAMAct of 2003, that prohibits or limits thesending, transmitting, communicatingor distribution of material or informa-tion.

COVERAGE C. MEDICAL PAYMENTS


a. We will pay medical expenses as de-scribed below for "bodily injury" causedby an accident:

(1) On premises you own or rent;

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

(3) Because of your operations;

provided that:

(1) The accident takes place in the"coverage territory" and during thepolicy period;

(2) The expenses are incurred and re-ported to us within three years of thedate of the accident; and

(3) The injured person submits to ex-amination, at our expense, by physi-cians of our choice as often as wereasonably require.

b. We will make these payments regardlessof fault. These payments will not exceedthe applicable limit of insurance. We willpay reasonable expenses for:

(1) First aid administered at the time ofan accident;

(2) Necessary medical, surgical, x-rayand dental services, including pros-thetic devices; and

(3) Necessary ambulance, hospital,professional nursing and funeralservices.

2. Exclusions

We will not pay expenses for "bodily injury":


a. Any Insured

To any insured, except "volunteer work-ers".

b. Hired Person

To a person hired to do work for or onbehalf of any insured or a tenant of anyinsured.

c. Injury on Normally Occupied Premises

To a person injured on that part of prem-ises you own or rent that the person nor-mally occupies.

d. Workers' Compensation and SimilarLaws

To a person, whether or not an "em-ployee" of any insured, if benefits for the"bodily injury" are payable or must beprovided under a workers' compensationor disability benefits law or a similar law.

e. Athletic Activities

To any person injured while officiating,coaching, practicing for, instructing orparticipating in any physical exercises orgames, sports, or athletic contests or ex-hibitions of an athletic or sports nature.

f. Products-Completed Operations Haz-ard

Included within the "products-completedoperations hazard".

g. Coverage A Exclusions

Excluded under COVERAGE A. BODILYINJURY AND PROPERTY DAMAGE LI-ABILITY.

SUPPLEMENTARY PAYMENTS - COVERAGESA AND B

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

1. All expenses we incur.

2. Up to $250 for cost of bail bonds required be-cause of accidents or traffic law violationsarising out of the use of any vehicle to whichthe Bodily Injury Liability Coverage applies.We do not have to furnish these bonds.

3. The cost of bonds to release attachments, butonly for bond amounts within the applicablelimit of insurance. We do not have to furnishthese bonds.

4. All reasonable expenses incurred by the in-sured at our request to assist us in the inves-tigation or defense of the claim or "suit", in-

cluding actual loss of earnings up to $250 aday because of time off from work.

5. All costs taxed against the insured in the"suit".

6. Prejudgment interest awarded against theinsured on that part of the judgment we be-come obligated to pay and which falls withinthe applicable limit of insurance. If we makean offer to pay the applicable limit of insur-ance, we will not pay any prejudgment interestbased on that period of time after the offer.

7. 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 thatis within the applicable limit of insurance.

These payments will not reduce the limits of insur-ance.

SECTION II - WHO IS AN INSURED

1. If you are designated in the Declarations as:

a. An individual, you and your spouse areinsureds, but only with respect to theconduct of a business of which you arethe sole owner.

b. A partnership or joint venture, you are aninsured. Your members, your partners,and their spouses are also insureds, butonly with respect to the conduct of yourbusiness.

c. A limited liability company, you are an in-sured. Your members are also insureds,but only with respect to the conduct ofyour business. Your managers are in-sureds, but only with respect to their du-ties as your managers.

d. An organization other than a partnership,joint venture or limited liability company,you are an insured. Your "executive offi-cers" and directors are insureds, but onlywith respect to their duties as your offi-cers or directors. Your stockholders arealso insureds, but only with respect totheir liability as stockholders.

e. A trust, you are an insured. Your trusteesare also insureds, but only with respect totheir duties as trustees.

2. Each of the following is also an insured:

a. Your "volunteer workers" only while per-forming duties related to the conduct ofyour business, or your "employees",other than either your "executive officers"(if you are an organization other than apartnership, joint venture or limited liabilitycompany) or your managers (if you are alimited liability company), but only for actswithin the scope of their employment by


you or while performing duties related tothe conduct of your business. However,none of these "employees" or "volunteerworkers" are insureds for:

(1) "Bodily injury" or "personal and ad-vertising injury":

(a) To you, to your partners ormembers (if you are a partner-ship or joint venture), to yourmembers (if you are a limited li-ability company), to a co-"employee" while in the courseof his or her employment orperforming duties related to theconduct of your business, or toyour other "volunteer workers"while performing duties relatedto the conduct of your business;

(b) To the spouse, child, parent,brother or sister of that co-"employee" or "volunteerworker" as a consequence ofParagraph (1)(a) above;

(c) For which there is any obligationto share damages with or repaysomeone else who must paydamages because of the injurydescribed in Paragraphs (1)(a)or (b) above; or

(d) Arising out of his or her provid-ing or failing to provide profes-sional health care services.

(2) "Property damage" to property:

(a) Owned, occupied or used by; or

(b) Rented to, in the care, custodyor control of, or over whichphysical control is being exer-cised for any purpose by,

you, any of your "employees", "vol-unteer workers", any partner ormember (if you are a partnership orjoint venture), or any member (if youare a limited liability company).

b. Any person (other than your "employee"or "volunteer worker"), or any organiza-tion while acting as your real estate man-ager.

c. Any person or organization having propertemporary custody of your property if youdie, but only:

(1) With respect to liability arising out ofthe maintenance or use of that prop-erty; and

(2) Until your legal representative hasbeen appointed.

d. Your legal representative if you die, butonly with respect to duties as such. Thatrepresentative will have all your rightsand duties under this Coverage Part.

3. Any organization you newly acquire or form,other than a partnership, joint venture or lim-ited liability company, and over which youmaintain ownership or majority interest, willqualify as a Named Insured if there is no othersimilar insurance available to that organiza-tion. However:

a. Insurance under this provision is affordedonly until the 90th day after you acquireor form the organization or the end of thepolicy period, whichever is earlier;

b. COVERAGE A. BODILY INJURY ANDPROPERTY DAMAGE LIABILITY doesnot apply to "bodily injury" or "propertydamage" that occurred before you ac-quired or formed the organization; and

c. COVERAGE B. PERSONAL AND AD-VERTISING INJURY LIABILITY does notapply to "personal and advertising injury"arising out of an offense committed be-fore you acquired or formed the organi-zation.

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.

SECTION III - LIMITS OF INSURANCE

1. The Limits of Insurance shown in the Declara-tions and the rules below fix the most we willpay regardless of the number of:

a. Insureds;

b. Claims made or "suits" brought; or

c. Persons or organizations making claimsor bringing "suits".

2. a. The General Aggregate Limit is the mostwe will pay for the sum of:

(1) Medical expenses under COVER-AGE C. MEDICAL PAYMENTS;

(2) Damages under COVERAGE A.BODILY INJURY AND PROPERTYDAMAGE LIABILITY, except dam-ages because of "bodily injury" or"property damage" included in the"products-completed operationshazard"; and

(3) Damages under COVERAGE B.PERSONAL AND ADVERTISINGINJURY LIABILITY.

This General Aggregate Limit will not ap-ply if either the Location General Aggre-


gate Limit of Insurance, Paragraph 2.b.,or the Construction Project General Ag-gregate Limit of Insurance, Paragraph2.c. applies.

b. A separate Location General AggregateLimit of Insurance, equal to the amount ofthe General Aggregate Limit shown in theDeclarations, shall apply to each locationowned by, or rented or leased to you andis the most we will pay for the sum of:


(2) Medical expenses under COVER-AGE C. MEDICAL PAYMENTS,

which can be attributed to operations atonly a single location owned by, or rentedor leased to you.

c. A separate Construction Project GeneralAggregate Limit of Insurance, equal tothe amount of the General AggregateLimit shown in the Declarations, shall ap-ply to each construction project and is themost we will pay for the sum of:


(2) Medical expenses under COVER-AGE C. MEDICAL PAYMENTS;

which can be attributed only to ongoingoperations and only at a single construc-tion project.

d. Only for the purpose of determining whichGeneral Aggregate Limit of Insurance,2.a., 2.b., or 2.c., applies:

(1) Location means premises involvingthe same or connecting lots, orpremises, whose connection is inter-rupted only by a street, roadway,waterway or right-of-way of a rail-road.

(2) Construction project means a loca-tion you do not own, rent or leasewhere ongoing improvements, al-terations, installation, demolition ormaintenance work is performed byyou or on your behalf. All connectedongoing improvements, alterations,installation, demolition or mainte-nance work performed by you or on

your behalf at the same location forthe same persons or organizations,no matter how often or under howmany different contracts, will bedeemed to be a single constructionproject.

3. The Products-Completed Operations Aggre-gate Limit is the most we will pay under COV-ERAGE A. BODILY INJURY AND PROP-ERTY DAMAGE LIABILITY for damages be-cause of "bodily injury" and "property dam-age" included in the "products-completed op-erations hazard".

4. Subject to 2.a. above, the Personal and Ad-vertising Injury Limit is the most we will payunder COVERAGE B. PERSONAL AND AD-VERTISING INJURY LIABILITY for the sum ofall damages because of all "personal and ad-vertising injury" sustained by any one personor organization.

5. Subject to 2. or 3. above, whichever applies,the Each Occurrence Limit is the most we willpay for the sum of:

a. Damages under COVERAGE A. BODILYINJURY AND PROPERTY DAMAGE LI-ABILITY; and

b. Medical expenses under COVERAGE C.MEDICAL PAYMENTS;

because of all "bodily injury" and "propertydamage" arising out of any one "occurrence".

6. Subject to 5. above, the Damage to PremisesRented to You Limit is the most we will payunder COVERAGE A. BODILY INJURY ANDPROPERTY DAMAGE LIABILITY for dam-ages because of "property damage" to anyone premises, while rented to you, or in thecase of damage by fire or explosion, whilerented to you or temporarily occupied by youwith permission of the owner.

7. Subject to 5. above, the Medical ExpenseLimit is the most we will pay under COVER-AGE C. MEDICAL PAYMENTS for all medicalexpenses because of "bodily injury" sustainedby any one person.

The Limits of Insurance of this Coverage Part ap-ply separately to each "coverage term".

SECTION IV - COMMERCIAL GENERAL LI-ABILITY CONDITIONS

1. Bankruptcy

Bankruptcy or insolvency of the insured or ofthe insured's estate will not relieve us of ourobligations under this Coverage Part.

2. Duties in the Event of Occurrence, Offense,Claim or Suit

a. You must see to it that we are notified assoon as practicable of an "occurrence" or


a "personal and advertising injury" of-fense which may result in a claim. To theextent possible, notice should include:

(1) How, when and where the "occur-rence" or offense took place;

(2) The names and addresses of anyinjured persons and witnesses; and

(3) The nature and location of any injuryor damage arising out of the "occur-rence" or offense.

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

(1) Immediately record the specifics ofthe claim or "suit" and the date re-ceived; and

(2) Notify us as soon as practicable.

You must see to it that we receive writtennotice of the claim or "suit" as soon aspracticable.

c. You and any other involved insured must:

(1) Immediately send us copies of anydemands, notices, summonses orlegal papers received in connectionwith the claim or "suit";

(2) Authorize us to obtain records andother information;

(3) Cooperate with us in the investiga-tion or settlement of the claim or de-fense against the "suit"; and

(4) Assist us, upon our request, in theenforcement of any right against anyperson or organization which may beliable to the insured because of in-jury or damage to which this insur-ance may also apply.

d. No insured will, except at that insured'sown cost, voluntarily make a payment,assume any obligation, or incur any ex-pense, other than for first aid, without ourconsent.

3. Legal Action Against Us

No person or organization has a right underthis Coverage Part:

a. To join us as a party or otherwise bringus into a "suit" asking for damages froman insured; or

b. To sue us on this Coverage Part unlessall of its terms have been fully compliedwith.

A person or organization may sue us to re-cover on an agreed settlement or on a finaljudgment against an insured; but we will notbe liable for damages that are not payable

under the terms of this Coverage Part or thatare in excess of the applicable limit of insur-ance. An agreed settlement means a settle-ment and release of liability signed by us, theinsured and the claimant or the claimant's le-gal representative.

4. Liberalization

If, within 60 days prior to the beginning of thisCoverage Part or during the policy period, wemake any changes to any forms or endorse-ments of this Coverage Part for which there iscurrently no separate premium charge, andthat change provides more coverage than thisCoverage Part, the change will automaticallyapply to this Coverage Part as of the latter of:

a. The date we implemented the change inyour state; or

b. The date this Coverage Part became ef-fective; and

will be considered as included until the end ofthe current policy period. We will make noadditional premium charge for this additionalcoverage during the interim.

5. Other Insurance

If other valid and collectible insurance isavailable to the insured for a loss we coverunder COVERAGE A. BODILY INJURY ANDPROPERTY DAMAGE LIABILITY or COV-ERAGE B. PERSONAL AND ADVERTISINGINJURY LIABILITY of this Coverage Part, ourobligations are limited as follows:

a. Primary Insurance

This insurance is primary except when b.below applies. If this insurance is pri-mary, our obligations are not affectedunless any of the other insurance is alsoprimary. Then, we will share with all thatother insurance by the method describedin c. below.

b. Excess Insurance

This insurance is excess over:

(1) Any of the other insurance, whetherprimary, excess, contingent or onany other basis:

(a) That is Fire, Extended Cover-age, Builder's Risk, InstallationRisk or similar insurance for"your work";

(b) That is Fire or Explosion insur-ance for premises rented to youor temporarily occupied by youwith permission of the owner;

(c) That is insurance purchased byyou to cover your liability as atenant for "property damage" to


premises rented to you or tem-porarily occupied by you withpermission of the owner; or

(d) If the loss arises out of themaintenance or use of aircraft,"autos" or watercraft to the ex-tent not subject to SECTION I -COVERAGES, COVERAGE A.BODILY INJURY AND PROP-ERTY DAMAGE LIABILITY, 2.Exclusions, g. Aircraft, Auto orWatercraft.

(2) Any other primary insurance avail-able to the insured covering liabilityfor damages arising out of thepremises or operations, or the prod-ucts and completed operations, forwhich the insured has been addedas an additional insured by attach-ment of an endorsement.

(3) Any other insurance:

(a) Whether primary, excess, con-tingent or on any other basis,except when such insurance iswritten specifically to be excessover this insurance; and

(b) That is a consolidated (wrap-up)insurance program which hasbeen provided by the primecontractor/project manager orowner of the consolidated proj-ect in which you are involved.

When this insurance is excess, we willhave no duty under COVERAGE A.BODILY INJURY AND PROPERTYDAMAGE LIABILITY or COVERAGE B.PERSONAL AND ADVERTISING IN-JURY LIABILITY to defend the insuredagainst any "suit" if any other insurer hasa duty to defend the insured against that"suit". If no other insurer defends, we willundertake to do so, but we will be entitledto the insured's rights against all thoseother insurers.

When this insurance is excess over otherinsurance, we will pay only our share ofthe amount of the loss, if any, that ex-ceeds the sum of:

(1) The total amount that all such otherinsurance would pay for the loss inthe absence of this insurance; and

(2) The total of all deductible and self-insured amounts under all that otherinsurance.

We will share the remaining loss, if any,with any other insurance that is not de-scribed in this Excess Insurance provi-sion and was not bought specifically toapply in excess of the Limits of Insurance

shown in the Declarations of this Cover-age Part.

c. Method of Sharing

If all of the other insurance permits con-tribution by equal shares, we will followthis method also. Under this approacheach insurer contributes equal amountsuntil it has paid its applicable limit of in-surance or none of the loss remains,whichever comes first.

If any of the other insurance does notpermit contribution by equal shares, wewill contribute by limits. Under thismethod, each insurer's share is based onthe ratio of its applicable limit of insuranceto the total applicable limits of insuranceof all insurers.

6. Premium Audit

a. We will compute all premiums for thisCoverage Part in accordance with ourrules and rates.

b. Premium shown in this Coverage Part asadvance premium is a deposit premiumonly. At the close of each audit period wewill compute the earned premium for thatperiod and send notice to the first NamedInsured. The due date for audit and ret-rospective premiums is the date shownas the due date on the bill. If:

(1) The earned premium is less than thedeposit premium, we will return theexcess to the first Named Insured; or

(2) The earned premium is greater thanthe deposit premium, the differencewill be due and payable to us by thefirst Named Insured upon notice fromus.

c. The first Named Insured must keep rec-ords of the information we need for pre-mium computation, and send us copies atsuch times as we may request.

7. Representations

By accepting this Coverage Part, you agree:

a. The statements in the Declarations areaccurate and complete;

b. Those statements are based upon repre-sentations you made to us; and

c. We have issued this Coverage Part in re-liance upon your representations.

8. Separation of Insureds

Except with respect to the Limits of Insurance,and any rights or duties specifically assignedin this Coverage Part to the first Named In-sured, this insurance applies:


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

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

9. Transfer of Rights of Recovery AgainstOthers to Us

If the insured has rights to recover all or partof any payment we have made under thisCoverage Part, those rights are transferred tous. The insured must do nothing after loss toimpair them. At our request, the insured willbring "suit" or transfer those rights to us andhelp us enforce them.

10. Two or More Coverage Forms or PoliciesIssued by Us

If this Coverage Part and any other CoverageForm, Coverage Part or policy issued to youby us or any company affiliated with us applyto the same "occurrence" or "personal andadvertising injury" offense, the aggregatemaximum limit of insurance under all the Cov-erage Forms, Coverage Parts or policies shallnot exceed the highest applicable limit of in-surance under any one Coverage Form, Cov-erage Part or policy. This condition does notapply to any Coverage Form, Coverage Partor policy issued by us or an affiliated companyspecifically to apply as excess insurance overthis Coverage Part.

11. When We Do Not Renew

If we decide not to renew this Coverage Part,we will mail or deliver to the first Named In-sured shown in the Declarations written noticeof the nonrenewal not less than 30 days be-fore the expiration date.

If notice is mailed, proof of mailing will be suf-ficient proof of notice.

SECTION V - DEFINITIONS

1. "Advertisement" means a notice that is broad-cast, telecast or published to the general pub-lic or specific market segments about yourgoods, products or services for the purpose ofattracting customers or supporters. "Adver-tisement" includes a publicity article. For pur-poses of this definition:

a. Notices that are published include mate-rial placed on the Internet or on similarelectronic means of communication; and

b. Regarding web-sites, only that part of aweb-site that is about your goods, prod-ucts or services for the purposes of at-tracting customers or supporters is con-sidered an "advertisement".

2. "Authorized representative" means:

a. If you are designated in the Declarationsas:

(1) An individual, you and your spouseare "authorized representatives".

(2) A partnership or joint venture, yourmembers, your partners, and theirspouses are "authorized representa-tives".

(3) A limited liability company, yourmembers and your managers are"authorized representatives".

(4) An organization other than a part-nership, joint venture or limited liabil-ity company, your "executive offi-cers" and directors are "authorizedrepresentatives". Provided you arenot a publicly traded organization,your stockholders are also "author-ized representatives".

(5) A trust, your trustees are "authorizedrepresentatives".

b. Your "employees":

(1) Assigned to manage your insuranceprogram; or

(2) Responsible for giving or receivingnotice of an "occurrence", "personaland advertising injury" offense, claimor "suit";

are also "authorized representatives".

3. "Auto" means:

a. A land motor vehicle, trailer or semitrailerdesigned for travel on public roads, in-cluding any attached machinery orequipment; or

b. Any other land vehicle that is subject to acompulsory or financial responsibility lawor other motor vehicle insurance law inthe state where it is licensed or principallygaraged.

However, "auto" does not include "mobileequipment".

4. "Bodily injury" means bodily injury, sickness ordisease sustained by a person, includingdeath resulting from any of these at any time.

5. "Coverage term" means the following individ-ual increment, or if a multi-year policy period,increments, of time, which comprise the policyperiod of this Coverage Part:

a. The year commencing on the EffectiveDate of this Coverage Part at 12:01 AMstandard time at your mailing addressshown in the Declarations, and if a multi-year policy period, each consecutive an-nual period thereafter, or portion thereof ifany period is for a period of less than 12months, constitute individual "coverageterms". The last "coverage term" ends at


12:00 AM standard time at your mailingaddress shown in the Declarations on theearlier of:

(1) The day the policy period shown inthe Declarations ends; or

(2) The day the policy to which this Cov-erage Part is attached is terminatedor cancelled.

b. However, if after the issuance of thisCoverage Part, any "coverage term" isextended for an additional period of lessthan 12 months, that additional period oftime will be deemed to be part of the lastpreceding "coverage term".

6. "Coverage territory" means:

a. The United States of America (includingits territories and possessions), PuertoRico and Canada;

b. International waters or airspace, but onlyif the injury or damage occurs in thecourse of travel or transportation betweenany places included in a. above; or

c. All other parts of the world if the injury ordamage arises out of:

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

(2) The activities of a person whosehome is in the territory described ina. above, but is away for a short timeon your business; or

(3) "Personal and advertising injury" of-fenses that take place through theInternet or similar electronic meansof communication,

provided the insured's responsibility topay damages is determined in a "suit" onthe merits, in the territory described in a.above or in a settlement to which weagree.

7. "Electronic data" means information, facts orprograms stored as or on, created or used on,or transmitted to or from computer software,including systems and applications software,hard or floppy disks, CD-ROMs, tapes, drives,cells, data processing devices or any othermedia which are used with electronically con-trolled equipment.

8. "Employee" includes a "leased worker". "Em-ployee" does not include a "temporaryworker".

9. "Executive officer" means a person holdingany of the officer positions created by yourcharter, constitution, by-laws or any othersimilar governing document.

10. "Hostile fire" means one which becomes un-controllable or breaks out from where it wasintended to be.

11. "Impaired property" means tangible property,other than "your product" or "your work", thatcannot be used or is less useful because:

a. It incorporates "your product" or "yourwork" that is known or thought to be de-fective, deficient, inadequate or danger-ous; or

b. You have failed to fulfill the terms of acontract or agreement;

if such property can be restored to use by:

a. The repair, replacement, adjustment orremoval of "your product" or "your work";or

b. Your fulfilling the terms of the contract oragreement.

12. "Insured contract" means:

a. A contract for a lease of premises. How-ever, that portion of the contract for alease of premises that indemnifies anyperson or organization for "propertydamage" by fire or explosion to premiseswhile rented to you or temporarily occu-pied by you with permission of the owneris not an "insured contract";

b. A sidetrack agreement;

c. Any easement or license agreement, ex-cept in connection with construction ordemolition operations on or within 50 feetof a railroad;

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

e. An elevator maintenance agreement;

f. That part of any other contract or agree-ment pertaining to your business (includ-ing an indemnification of a municipality inconnection with work performed for amunicipality) under which you assumethe tort liability of another party to pay for"bodily injury", "property damage" or"personal and advertising injury" to a thirdperson or organization. Tort liabilitymeans a liability that would be imposedby law in the absence of any contract oragreement.

Paragraph f. does not include that part ofany contract or agreement:

(1) That indemnifies a railroad for "bodilyinjury", "property damage" or "per-sonal and advertising injury" arisingout of construction or demolition op-erations, within 50 feet of any rail-


road property and affecting any rail-road bridge or trestle, tracks, road-beds, tunnel, underpass or crossing;

(2) That indemnifies an architect, engi-neer or surveyor for injury or damagearising out of:

(a) Preparing, approving, or failingto prepare or approve, maps,shop drawings, opinions, re-ports, surveys, field orders,change orders or drawings andspecifications; or

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

(3) Under which the insured, if an archi-tect, engineer or surveyor, assumesliability for an injury or damage aris-ing out of the insured's rendering orfailure to render professional serv-ices, including those listed in Para-graph (2) above and supervisory, in-spection, architectural or engineeringactivities;

(4) That indemnifies an advertising, pub-lic relations or media consulting firmfor "personal and advertising injury"arising out of the planning, executionor failure to execute marketing com-munications programs. Marketingcommunications programs includebut are not limited to comprehensivemarketing campaigns; consumer,trade and corporate advertising forall media; media planning, buying,monitoring and analysis; direct mail;promotion; sales materials; design;presentations; point-of-sale materi-als; market research; public relationsand new product development;

(5) Under which the insured, if an adver-tising, public relations or media con-sulting firm, assumes liability for"personal and advertising injury"arising out of the insured's renderingor failure to render professionalservices, including those serviceslisted in Paragraph (4), above;

(6) That indemnifies a web-site designeror content provider, or Internetsearch, access, content or serviceprovider for injury or damage arisingout of the planning, execution or fail-ure to execute Internet services.Internet services include but are notlimited to design, production, distri-bution, maintenance and administra-tion of web-sites and web-banners;hosting web-sites; registering do-main names; registering with search

engines; marketing analysis; andproviding access to the Internet orother similar networks; or

(7) Under which the insured, if a web-site designer or content provider, orInternet search, access, content orservice provider, assumes liability forinjury or damage arising out of theinsured's rendering or failure to ren-der Internet services, including thoselisted in Paragraph (6), above.

13. "Leased worker" means a person leased toyou by a labor leasing firm under an agree-ment between you and the labor leasing firm,to perform duties related to the conduct ofyour business. "Leased worker" includes su-pervisors furnished to you by the labor leasingfirm. "Leased worker" does not include a"temporary worker".

14. "Loading or unloading" means the handling ofproperty:

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

b. While it is in or on an aircraft, watercraftor "auto"; or

c. While it is being moved from an aircraft,watercraft or "auto" to the place where itis finally delivered;

but "loading or unloading" does not includethe movement of property by means of a me-chanical device, other than a hand truck, thatis not attached to the aircraft, watercraft or"auto".

15. "Mobile equipment" means any of the follow-ing types of land vehicles, including any at-tached machinery or equipment:

a. Bulldozers, farm machinery, forklifts andother vehicles designed for use princi-pally off public roads;

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

c. Vehicles that travel on crawler treads;

d. Vehicles, whether self-propelled or not,maintained primarily to provide mobility topermanently mounted:

(1) Power cranes, shovels, loaders, dig-gers or drills; or

(2) Road construction or resurfacingequipment such as graders, scrap-ers or rollers;

e. Vehicles not described in a., b., c. or d.above that are not self-propelled and aremaintained primarily to provide mobility to


permanently attached equipment of thefollowing types:

(1) Air compressors, pumps and gen-erators, including spraying, welding,building cleaning, geophysical explo-ration, lighting and well servicingequipment; or

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

f. Vehicles not described in a., b., c. or d.above maintained primarily for purposesother than the transportation of personsor cargo.

However, self-propelled vehicles with thefollowing types of permanently attachedequipment are not "mobile equipment"but will be considered "autos":

(1) Equipment designed primarily for:

(a) Snow removal;

(b) Road maintenance, but not con-struction or resurfacing; or

(c) Street cleaning;

(2) Cherry pickers and similar devicesmounted on automobile or truckchassis and used to raise or lowerworkers; and

(3) Air compressors, pumps and gen-erators, including spraying, welding,building cleaning, geophysical explo-ration, lighting and well servicingequipment.

However, "mobile equipment" does not in-clude any land vehicles that are subject to acompulsory or financial responsibility law orother motor vehicle insurance law in the statewhere it is licensed or principally garaged.Land vehicles subject to a compulsory or fi-nancial responsibility law or other motor vehi-cle insurance law are considered "autos".

16. "Occurrence" means an accident, includingcontinuous or repeated exposure to substan-tially the same general harmful conditions.

17. "Personal and advertising injury" means in-jury, including consequential "bodily injury",arising out of one or more of the following of-fenses:

a. False arrest, detention or imprisonment;

b. Malicious prosecution;

c. The wrongful eviction from, wrongful entryinto, or invasion of the right of private oc-cupancy of a room, dwelling or premisesthat a person occupies, committed by oron behalf of its owner, landlord or lessor;

d. Oral or written publication, in any manner,of material that slanders or libels a per-son or organization or disparages a per-son's or organization's goods, products orservices;

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

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

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

18. "Pollutant" means any solid, liquid, gaseous orthermal irritant or contaminant, includingsmoke, vapor, soot, fumes, acids, alkalis,chemicals, petroleum, petroleum productsand petroleum by-products, and waste.Waste includes materials to be recycled, re-conditioned or reclaimed. "Pollutants" includebut are not limited to substances which aregenerally recognized in industry or govern-ment to be harmful or toxic to persons, prop-erty or the environment regardless of whetherthe injury or damage is caused directly or indi-rectly by the "pollutants" and whether:

a. The insured is regularly or otherwise en-gaged in activities which taint or degradethe environment; or

b. The insured uses, generates or producesthe "pollutant".

19. "Products-completed operations hazard":

a. Includes all "bodily injury" and "propertydamage" occurring away from premisesyou own or rent and arising out of "yourproduct" or "your work" except:

(1) Products that are still in your physicalpossession; or

(2) Work that has not yet been com-pleted or abandoned. However,"your work" will be deemed com-pleted at the earliest of the followingtimes:

(a) When all of the work called for inyour contract has been com-pleted; or

(b) When all of the work to be doneat the job site has been com-pleted if your contract calls forwork at more than one job site;or

(c) When that part of the work doneat a job site has been put to itsintended use by any person ororganization other than anothercontractor or subcontractorworking on the same project.


Work that may need service, main-tenance, correction, repair or re-placement, but which is otherwisecomplete, will be treated as com-pleted.

b. Does not include "bodily injury" or "prop-erty damage" arising out of:

(1) The transportation of property, un-less the injury or damage arises outof a condition in or on a vehicle notowned or operated by you, and thatcondition was created by the "load-ing or unloading" of that vehicle byany insured;

(2) The existence of tools, uninstalledequipment or abandoned or unusedmaterials; or

(3) Products or operations for which theclassification, listed in the Declara-tions or in a schedule, states thatproducts-completed operations areincluded.

20. "Property damage" means:

a. Physical injury to tangible property, in-cluding all resulting loss of use of thatproperty. All such loss of use shall bedeemed to occur at the time of the physi-cal injury that caused it; or

b. Loss of use of tangible property that isnot physically injured. All such loss ofuse shall be deemed to occur at the timeof the "occurrence" that caused it.

For the purposes of this insurance, "electronicdata" is not tangible property.

21. "Suit" means a civil proceeding in whichmoney damages because of "bodily injury","property damage" or "personal and advertis-ing injury" to which this insurance applies arealleged. "Suit" includes:

a. An arbitration proceeding in which suchdamages are claimed and to which theinsured must submit or does submit withour consent;

b. Any other alternative dispute resolutionproceeding in which such damages areclaimed and to which the insured submitswith our consent; or

c. An appeal of a civil proceeding.

22. "Temporary worker" means a person who isfurnished to you to substitute for a permanent"employee" on leave or to meet seasonal orshort-term workload conditions.

23. "Volunteer worker" means a person who isnot your "employee", and who donates his or

her work and acts at the direction of andwithin the scope of duties determined by you,and is not paid a fee, salary or other compen-sation by you or anyone else for their workperformed for you.

24. "Workplace" means that place and duringsuch hours to which the "employee" sustain-ing "bodily injury" was assigned by you, orany other person or entity acting on your be-half, to work on the date of "occurrence".

25. "Your product":

a. Means:

(1) Any goods or products, other thanreal property, manufactured, sold,handled, distributed or disposed ofby:

(a) You;

(b) Others trading under your name;or

(c) A person or organization whosebusiness or assets you haveacquired; and

(2) Containers (other than vehicles),materials, parts or equipment fur-nished in connection with suchgoods or products.

b. Includes:

(1) Warranties or representations madeat any time with respect to the fit-ness, quality, durability, performanceor use of "your product"; and

(2) The providing of or failure to providewarnings or instructions.

c. Does not include vending machines orother property rented to or located for theuse of others but not sold.

26. "Your work":

a. Means:

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

(2) Materials, parts or equipment fur-nished in connection with such workor operations.

b. Includes:

(1) Warranties or representations madeat any time with respect to the fit-ness, quality, durability, performanceor use of "your work"; and

(2) The providing of or failure to providewarnings or instructions.


NUCLEAR ENERGY LIABILITY EXCLUSION(Broad Form)

1. The insurance does not apply:

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

(1) With respect to which an insured un-der this Coverage Part is also an in-sured under a nuclear energy liabilitypolicy issued by Nuclear Energy Li-ability Insurance Association, MutualAtomic Energy Liability Underwriters,Nuclear Insurance Association ofCanada, or any of their successors,or would be an insured under anysuch policy but for its terminationupon exhaustion of its limit of liability;or

(2) Resulting from the "hazardous prop-erties" of "nuclear material" and withrespect to which (a) any person ororganization is required to maintainfinancial protection pursuant to theAtomic Energy Act of 1954, or anylaw amendatory thereof, or (b) theinsured is, or had this Coverage Partnot been issued would be, entitled toindemnity from the United States ofAmerica, or any agency thereof, un-der any agreement entered into bythe United States of America, or anyagency thereof, with any person ororganization.

B. Under any Medical Payments coverage,to expenses incurred with respect to"bodily injury" resulting from the "hazard-ous properties" of "nuclear material" andarising out of the operation of a "nuclearfacility" by any person or organization.

C. Under any Liability Coverage, to "bodilyinjury" or "property damage" resultingfrom the "hazardous properties" of "nu-clear material", if:

(1) The "nuclear material" (a) is at any"nuclear facility" owned by, or oper-ated by or on behalf of, an insured,or (b) has been discharged or dis-persed therefrom;

(2) The "nuclear material" is contained in"spent fuel" or "waste" at any timepossessed, handled, used, proc-essed, stored, transported or dis-posed of, by or on behalf of an in-sured; or

(3) The "bodily injury" or "property dam-age" arises out of the furnishing by

an insured of services, materials,parts or equipment in connectionwith the planning, construction,maintenance, operation or use ofany "nuclear facility", but if such fa-cility is located within the UnitedStates of America, its territories orpossessions or Canada, this Exclu-sion (3) applies only to "propertydamage" to such "nuclear facility"and any property thereat.

2. As used in this exclusion:

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

"Nuclear material" means "source material","special nuclear material" or "by-product ma-terial".

"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 "nuclear re-actor".

"Waste" means any waste material (a) con-taining "by-product material" other than thetailings or wastes produced by the extractionor concentration of uranium or thorium fromany ore processed primarily for its "sourcematerial" content, and (b) resulting from theoperation by any person or organization ofany "nuclear facility" included under the firsttwo paragraphs of the definition of "nuclearfacility".

"Nuclear facility" means:

A. Any "nuclear reactor";

B. Any equipment or device designed orused for (1) separating the isotopes ofuranium or plutonium, (2) processing orutilizing "spent fuel", or (3) handling,processing or packaging "waste";

C. Any equipment or device used for theprocessing, fabricating or alloying of"special nuclear material" if at any timethe total amount of such material in thecustody of the insured at the premiseswhere such equipment or device is lo-cated consists of or contains more than25 grams of plutonium or uranium 233 orany combination thereof, or more than250 grams of uranium 235;


D. Any structure, basin, excavation, prem-ises or place prepared or used for thestorage or disposal of "waste";

and includes the site on which any of theforegoing is located, all operations conductedon such site and all premises used for suchoperations.

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

"Property damage" includes all forms of ra-dioactive contamination of property.

CG 01 24 01 93 Copyright, Insurance Services Office, Inc., 1984, 1992


WISCONSIN CHANGES - AMENDMENT OF POLICY CONDTIONS


COMMERCIAL GENERAL LIABILITY COVERAGE PARTLIQUOR LIABILITY COVERAGE PARTPOLLUTION LIABILITY COVERAGE PARTPRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART

1. The following is added to CHANGES (CommonPolicy Conditions):

If one of our agents knows of a fact thatbreaches a condition of this Coverage Part, wewill be considered to have knowledge of thissame fact if:

a. The agent knows of this fact at the time theCoverage Part is issued or an application ismade; or

b. The agent later learns of this fact in thecourse of his dealings as an agent withyou.

Any fact that breaches a condition of thisCoverage Part and is known to the agentprior to loss shall not void the CoveragePart or prevent a recovery in the event ofloss.

2. The LEGAL ACTION AGAINST US Condition(Section IV) does not apply.

3. The following is added to Condition 6. REP-RESENTATIONS (Section IV):

No misrepresentation or breach of affirmativewarranty made by you or on your behalf in thenegotiation of this Coverage Part affects ourobligation under this Coverage Part unless:

a. We rely on it and it is either material ormade with intent to deceive; or

b. The facts misrepresented or falsely war-ranted contribute to the loss.

No failure of a condition before the loss and nobreach of a promissory warranty affects our ob-ligation under this Coverage Part unless suchfailure or breach:

a. Exists at the time of the loss; and

b. Either increases the risk at the time of theloss or contributes to the loss.

The provisions of this condition do not apply tononpayment of premium.

4. Condition 8. TRANSFER OF RIGHTS OF RE-COVERY AGAINST OTHERS TO US (SectionIV) is replaced by the following:

In the event of any payment under this Cover-age Part, we will be entitled to the insured'srights of recovery against any person or or-ganization and the insured will do whatever isnecessary to secure such rights. We will be en-titled to a recovery only after the insured hasbeen fully compensated for damages.

5. CONFORMITY TO STATUTE OR RULE

Any provision of this policy (including endorse-ments which modify the policy) that is in conflictwith a Wisconsin statute or rule is herebyamended to conform to that statute or rule.

The term rule means a valid rule promulgatedby the Commissioner of Insurance in accor-dance with the rule-making authority conferredunder Wis. Stat. Ann. 227.11(2) and pub-lished in the Wisconsin Administrative Code.

K

CG 20 02 11 85 Copyright, Insurance Services Office, Inc., 1984


ADDITIONAL INSURED--CLUB MEMBERS


COMMERCIAL GENERAL LIABILITY COVERAGE PART.

WHO IS AN INSURED (Section II) is amended to include as an insured any of your members, but only withrespect to their liability for your activities or activities they perform on your behalf.

Includes copyrighted material of InsuranceGA 3024 05 14 Services Office, Inc., with its permission.


EXCLUSION - ACCESS OR DISCLOSURE OFCONFIDENTIAL OR PERSONAL INFORMATION AND

DATA-RELATED LIABILITY - WITHLIMITED BODILY INJURY EXCEPTION


COMMERCIAL GENERAL LIABILITY COVERAGE PART

A. Exclusion 2.s. of Section I - Coverage A -Bodily Injury and Property Damage Liabilityis replaced by the following:

2. ExclusionsThis insurance does not apply to:

s. Access or Disclosure of Confiden-tial or Personal Information andData-Related LiabilityDamages arising out of:

(1) Any access to or disclosure ofany person's or organization'sconfidential or personal informa-tion, including patents, trade se-crets, processing methods, cus-tomer lists, financial information,credit card information, health in-formation or any other type ofnonpublic information; or

(2) The loss of, loss of use of, dam-age to, corruption of, inability toaccess, or inability to manipulateelectronic data.

This exclusion applies even if dam-ages are claimed for notificationcosts, credit monitoring expenses, fo-rensic expenses, public relations ex-penses or any other loss, cost or ex-pense incurred by you or others aris-

ing out of that which is described inParagraph (1) or (2) above.

However, unless Paragraph (1)above applies, this exclusion doesnot apply to damages because of"bodily injury".

B. The following is added to Paragraph 2. Exclu-sions of Section I - Coverage B - Personaland Advertising Injury Liability:2. Exclusions


Access or Disclosure of Confidential orPersonal Information"Personal and advertising injury" arisingout of any access to or disclosure of anyperson's or organization's confidential orpersonal information, including patents,trade secrets, processing methods, cus-tomer lists, financial information, creditcard information, health information or anyother type of nonpublic information.

This exclusion applies even if damagesare claimed for notification costs, creditmonitoring expenses, forensic expenses,public relations expenses or any otherloss, cost or expense incurred by you orothers arising out of any access to or dis-closure of any person's or organization'sconfidential or personal information.

Includes copyrighted material of ISOGA 4250 11 05 Properties, Inc., with its permission Page 1 of 2


MOBILE EQUIPMENT SUBJECT TO MOTORVEHICLE INSURANCE LAWS


COMMERCIAL GENERAL LIABILITY COVERAGE PART

A. SECTION I - COVERAGES, COVERAGE A.BODILY INJURY AND PROPERTY DAMAGELIABILITY, 2. Exclusions, g. Aircraft, Auto orWatercraft is replaced by the following:


g. Aircraft, Auto or Watercraft

"Bodily injury" or "property damage" aris-ing out of the ownership, maintenance,use or entrustment to others of any air-craft, "auto" or watercraft owned or oper-ated by or rented or loaned to any in-sured. Use includes operation and"loading or unloading".

This exclusion applies even if the claimsagainst any insured allege negligence orother wrongdoing in the supervision, hir-ing, employment, training or monitoring ofothers by that insured, if the "occurrence"which caused the "bodily injury" or "prop-erty damage" involved the ownership,maintenance, use or entrustment to oth-ers of any aircraft, "auto" or watercraftthat is owned or operated by or rented orloaned to any insured.

This exclusion does not apply to:

(1) A watercraft while ashore on prem-ises that you own or rent;

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

(a) Less than 51 feet long; and

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

(3) Parking an "auto" on, or the waysnext to, premises you own or rent,provided the "auto" is not owned byor rented or loaned to you or the in-sured;

(4) Liability assumed under any "insuredcontract" for the ownership, mainte-nance or use of aircraft or watercraft;or

(5) "Bodily injury" or "property damage"arising out of the operation of any ofthe equipment listed in Paragraph f.

(2) or f. (3) of the definition of "mobileequipment".

B. SECTION II - WHO IS AN INSURED isamended to include:

4. With respect to "mobile equipment" reg-istered in your name under any motorvehicle registration law, any person is aninsured while driving such equipmentalong a public highway with your permis-sion. Any other person or organizationresponsible for the conduct of such per-son is also an insured, but only with re-spect to liability arising out of the opera-tion of the equipment, and only if no otherinsurance of any kind is available to thatperson or organization for this liability.However, no person or organization is aninsured with respect to:

a. "Bodily injury" to a co-"employee" ofthe person driving the equipment; or

b. "Property damage" to propertyowned by, rented to, in the charge ofor occupied by you or the employerof any person who is an insured un-der this provision.

C. SECTION V - DEFINITIONS, 3. "Auto" and 15."Mobile equipment" are replaced by the fol-lowing:

3. "Auto" means a land motor vehicle, traileror semitrailer designed for travel on pub-lic roads, including any attached machin-ery or equipment. But "auto" does not in-clude "mobile equipment".

15. "Mobile equipment" means any of thefollowing types of land vehicles, includingany attached machinery or equipment:

a. Bulldozers, farm machinery, forkliftsand other vehicles designed for useprincipally off public roads;

b. Vehicles maintained for use solelyon or next to premises you own orrent;

c. Vehicles that travel on crawlertreads;

Includes copyrighted material of ISOGA 4250 11 05 Properties, Inc., with its permission Page 2 of 2

d. Vehicles, whether self-propelled ornot, maintained primarily to providemobility to permanently mounted;

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

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

e. Vehicles not described in a., b., c. ord. above that are not self-propelledand are maintained primarily to pro-vide mobility to permanently at-tached equipment of the followingtypes:

(1) Air compressors, pumps andgenerators, including spraying,welding, building cleaning, geo-physical exploration, lighting andwell servicing equipment; or

(2) Cherry pickers and similar de-vices used to raise or lowerworkers;

f. Vehicles not described in a., b., c. ord. above maintained primarily forpurposes other than the transporta-tion of persons or cargo.

However, self-propelled vehicles withthe following types of permanentlyattached equipment are not "mobileequipment" but will be considered"autos":

(1) Equipment designed primarily for:

(a) Snow removal;

(b) Road maintenance, but not con-struction or resurfacing; or

(c) Street cleaning;

(2) Cherry pickers and similar devicesmounted on automobile or truckchassis and used to raise or lowerworkers; and

(3) Air compressors, pumps and gen-erators, including spraying, welding,building cleaning, geophysical explo-ration, lighting and well servicingequipment.

D. This endorsement does not apply to any li-ability arising from an "occurrence" caused byor arising from any land vehicle if:

1. You have an Auto Coverage Form inforce at the time of the "occurrence"; and

2. The land vehicle meets the definition ofauto in your Auto Coverage Form or pol-icy, regardless of whether or not suchland vehicle is:

a. A covered auto under such AutoCoverage Form or policy; or

b. Specifically described on a scheduleof covered autos on your Auto Cov-erage Form or policy.

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